Search found 647 matches

by anoop
Sat Apr 21, 2018 11:31 pm
Forum: Investing - Theory, News & General
Topic: Is anyone putting money aside into Gold?
Replies: 147
Views: 13887

Re: Is anyone putting money aside into Gold?

I believed the doom websites instead of following my gut. Now my gut tells me to stay out. The gig economy is very elastic. Most of the jobs are part time and don’t include benefits. So while the unemployment rate is low, most of the people hold multiple jobs and those are all dependent on easy cre...
by anoop
Sat Apr 21, 2018 6:27 pm
Forum: Investing - Theory, News & General
Topic: Is anyone putting money aside into Gold?
Replies: 147
Views: 13887

Re: Is anyone putting money aside into Gold?

... BTW, earlier in the thread you talked about people whose returns have suffered in the last 10 years. I'm one of them. I got out of stocks in early 2008 before the crash and never got back in. There are some quarters when my 401k earned less than the $20 maintenance fee! I'm about to make out li...
by anoop
Thu Apr 19, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 32
Views: 2726

Re: Do you use Yahoo? New Privacy Terms

Deleted Yahoo 5 years ago after their 2013 breach. :annoyed I thought about that. My concern was that someone else could then sign up using my old username and some random folks might end up impersonating me. A year or so ago, I logged in to Yahoo after a really long time. I discovered someone had ...
by anoop
Thu Apr 19, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 32
Views: 2726

Re: Do you use Yahoo? New Privacy Terms

Pretty easy for me to switch email providers. I use an alias which is forwarded to what my current email provider is. Originally, it pointed to my university email address, then to hotmail, then to yahoo, and now to gmail. Any time I switch providers, I lose the ability to take my archive, but othe...
by anoop
Thu Apr 19, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 32
Views: 2726

Re: Do you use Yahoo? New Privacy Terms

I have an account with https://protonmail.ch but I primarily still use gmail. Some day I may get away. I've had a ProtonMail account for a while, but I haven't really used it. I just upgraded to a $5/month paid account to test out the more advanced features. If I like it, it's $48/year paid annuall...
by anoop
Thu Apr 19, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 32
Views: 2726

Re: Do you use Yahoo? New Privacy Terms

I don't know if all this is inevitable but they don't want pieces of us anymore. They want ALL of us. https://www.theverge.com/2018/4/14/17237864/oath-aol-yahoo-email-privacy-terms-scan-ads Another link: https://www.cnet.com/news/yahoo-aol-oath-privacy-policy-verizon-emails-messages/ I have not cli...
by anoop
Thu Apr 19, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4255

Re: PC laptops

FWIW, I suggest taking a look at Lenovo. In the original complaint against Lenovo, the FTC charged that "beginning in August 2014 Lenovo began selling consumer laptops in the United States that came with a pre-installed advertising software program called VisualDiscovery that interfered with how a ...
by anoop
Thu Apr 19, 2018 2:30 am
Forum: Personal Consumer Issues
Topic: landline solutions
Replies: 27
Views: 1503

Re: landline solutions

If reliability is your concern then landline via copper (aka POTS) is there to serve. If the power goes out a 'traditional' plugged in phone will still work. I've kept POTS for this reason, but at ~$55/mo w/o LD it's getting hard to justify even considering the reliability of copper landline. I als...
by anoop
Thu Apr 19, 2018 2:10 am
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 32
Views: 2726

Re: Do you use Yahoo? New Privacy Terms

I have an account with https://protonmail.ch but I primarily still use gmail. Some day I may get away.
by anoop
Wed Apr 18, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: Rise in rates continues - good for fixed income investors and banks
Replies: 6
Views: 1146

Re: Rise in rates continues - good for fixed income investors and banks

It also feels more like "normal equilibrium." Sure feels like, except my opinion is that it isn't. If it were true, the rates on the 30 year would be a lot higher. May be my memory is doing me in, but I remember all the talk about the fed engineering a soft landing for housing and how subprime woul...
by anoop
Wed Apr 18, 2018 3:09 am
Forum: Personal Finance (Not Investing)
Topic: Please help figuring out cost of medical treatment(s)
Replies: 8
Views: 785

Re: Please help figuring out cost of medical treatment(s)

My husband has an autoimmune disease. Up until now he's been taking a medication that was mostly covered by his insurance (the remaining part was covered by a copay assistance program through the drug manufacturer, so he actually didn't have to pay anything out of pocket). His doctor has suggested ...
by anoop
Thu Apr 12, 2018 9:31 pm
Forum: Investing - Theory, News & General
Topic: Meb Faber/Cambria/Trinity Funds
Replies: 44
Views: 2885

Re: Meb Faber/Cambria/Trinity Funds

Too complicated for me.

If I were interested in trend following I would build a portofolio with 5 funds and use the signals published by dshort.com at the end of every month.

But even that is too much for me. So I’m only in money market and individual treasuries. :)
by anoop
Thu Apr 12, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 9772

Re: Mid-40s in tech - how to pass off as acceptably young

HongKonger wrote:
Thu Apr 12, 2018 1:44 pm
People still wear pleated pants :shock: I nearly spat my coffee through my nose.
The non-conformists. I happen to be one of them and proud to admit it!
by anoop
Thu Apr 12, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 9772

Re: Mid-40s in tech - how to pass off as acceptably young

Usually they will ask what your salary expectations are and that answer is typically a give away for the number of years of experience at which point the expectations of the employer go up. Any chance they asked you that question in your last interview? As of this year, salary history questions are...
by anoop
Thu Apr 12, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 9772

Re: Mid-40s in tech - how to pass off as acceptably young

Question: What can I do to come off as more "with it" and "not obviously old" - both on the phone and in-person. What have you done in the past that seems to have helped? Show up 5 mins late to the interview Complain about your parents Immediately ask about work/life balance and if the company sche...
by anoop
Thu Apr 12, 2018 12:48 am
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 9772

Re: Mid-40s in tech - how to pass off as acceptably young

I would be curious if any of these strategies to appear younger actually work out. It's a tough market in IT. Most mid-career folks that I know find jobs through professional contacts, not by a regular application process. Those that do find positions through regular channels usually take a step dow...
by anoop
Wed Apr 11, 2018 1:45 am
Forum: Personal Finance (Not Investing)
Topic: How do you estimate your home's market value?
Replies: 53
Views: 3388

Re: How do you estimate your home's market value?

Zillow, Redfin, whatever gives you a price estimate is unreliable and should not be used. How frequent is for a sale price to fall outside the zillow bracket ? Personally, I still have to see one. To get your value, there are several factors involved, but the most important item is recent sold home...
by anoop
Mon Apr 09, 2018 3:06 am
Forum: Personal Consumer Issues
Topic: New Lexus LS or Tesla Model S
Replies: 63
Views: 4168

Re: New Lexus LS or Tesla Model S

airahcaz wrote:
Sun Apr 08, 2018 9:07 am
For 2018, both are mid $70’s, so wondering what the BH’s think....
have you driven both? try both for yourself.

imo the tesla interior is not up to par for a 70k+ car.

if you want sporty in lexus, you probably should look at gs.

lexus has messed up infotainment across the board.
by anoop
Sun Apr 08, 2018 10:27 am
Forum: Investing - Theory, News & General
Topic: Is anyone putting money aside into Gold?
Replies: 147
Views: 13887

Re: Is anyone putting money aside into Gold?

I can buy all the SGOL and GLD I want, but if I want to buy physical, local dealers don't have any to sell. I called my local dealer that is listed on US Mint website several times and gave up. I don't trust online sources because of the tungsten stories. Why is a local dealer safer than a reputabl...
by anoop
Fri Apr 06, 2018 1:50 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3498
Views: 986568

Re: What Movie Have You Recently Watched?

Full Disclosure -- a free < 20 min chick flick which I think everyone should watch.
https://www.youtube.com/watch?v=XFXKcNMCRTM

(I saw it a few months ago.)
by anoop
Fri Apr 06, 2018 1:46 am
Forum: Personal Consumer Issues
Topic: Any hardworkers here who half-a** at work?
Replies: 27
Views: 3690

Re: Any hardworkers here who half-a** at work?

I've worked in an office environment for about a year now and find it so exhausting and disappointing. I'm a hard worker and when given responsibilities, I strive to learn the ins-and-outs of it. It's kind of like I don't want to just solve an equation with given steps, I want to understand it. I h...
by anoop
Thu Apr 05, 2018 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: flood and earthquake insurance for house
Replies: 15
Views: 1071

Re: flood and earthquake insurance for house

Personally, I wouldn't buy earthquake insurance unless a home was in the shade of red. Plus damage in here was not well-defined. If some china or a tv breaks, big deal, you don't insurance for that. You want it for structural damage. 6.5 or higher is the kind of earthquake that can cause that kind ...
by anoop
Thu Apr 05, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: flood and earthquake insurance for house
Replies: 15
Views: 1071

Re: flood and earthquake insurance for house

Watty wrote: ↑Wed Apr 04, 2018 11:21 pm What is the house worth? Would that change whether or not I should get either insurance? Yes, The policies you mentioned would cost about $75 a month. If it is a million+ dollar house then that is basically meaningless compared to the other costs of home owne...
by anoop
Thu Apr 05, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: flood and earthquake insurance for house
Replies: 15
Views: 1071

Re: flood and earthquake insurance for house

There was an earthquake in Dixon in 1892 with an est. MM of 6.5. (MM = moment magnitude...modern version of Richter) Things to consider.... Is your home single story or two story? Is your home structurally wood frame? If two story is part of 2nd floor above garage? Modern single story wood frame ho...
by anoop
Thu Apr 05, 2018 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: flood and earthquake insurance for house
Replies: 15
Views: 1071

Re: flood and earthquake insurance for house

I couldn't believe the high deductible on EQ insurance when quoting things out last home purchase. It was 20% of the value of the house, which equated to a six figure amount. That's a LOT of damage that would need to be caused, in order to exceed. I'm not in an epicenter zone (red or bright orange ...
by anoop
Thu Apr 05, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Asking for a raise/promotion with another offer in hand
Replies: 103
Views: 6582

Re: Asking for a raise/promotion with another offer in hand

OP here. Here's an update. I have until tomorrow 4/5 to answer the new offer. I talked to my manager about wanting a promotion/raise and he agrees wholeheartedly. He is trying to rush a promotion/raise through but neither of us have high hopes so it is likely I will be taking the offer. He did ask ...
by anoop
Thu Apr 05, 2018 1:14 am
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 101
Views: 12030

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

Volvo seats are highly rated. But I bet someone has some complaints. Yeah I found them amazing on my test drive of the S60 R Design. I found the drive very uninspiring, but the seats were just out of the world. Apparently, the newer ones in the redesigned cars are not as comfortable as the old ones...
by anoop
Thu Apr 05, 2018 1:01 am
Forum: Personal Finance (Not Investing)
Topic: flood and earthquake insurance for house
Replies: 15
Views: 1071

Re: flood and earthquake insurance for house

Thanks for the replies so far. The earthquake map is very useful. I am in Roseville in the Sacramento area. As far as flooding, we have a small creek nearby, but I am at least 20-30 ft above the lowest houses near the creek. And the creek typically has only enough water to allow mosquitoes and other...
by anoop
Wed Apr 04, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 101
Views: 12030

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

Hello! Oh my gosh. I have having the EXACT same problem. I bought a brand new, Honda HRV one week ago and from the moment I drove it I am having excruciating lower back and leg pain. I KNOW it's the car, I've never had such a thing! I am wondering if you have found a fix? I ordered some support pro...
by anoop
Wed Apr 04, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: flood and earthquake insurance for house
Replies: 15
Views: 1071

flood and earthquake insurance for house

My house is not in a flood zone, nor in a seismically active area (I did feel very slight tremors from an earthquake about 150 miles away). However, given that weird things can happen I decided to look into quotes. If I add earthquake ($300) and flood insurance ($450), it will more than double my an...
by anoop
Wed Apr 04, 2018 1:08 am
Forum: Investing - Theory, News & General
Topic: Is anyone putting money aside into Gold?
Replies: 147
Views: 13887

Re: Is anyone putting money aside into Gold?

Look at gold vs S&p 500 total return since 2000, when QE and printing money to inflate asset prices became the norm. This is what concerns me. I am not saying i want to go 100% gold, but I could see myself using a decent chunk say up to 25% in a permanent portfolio type of implementation. What I am...
by anoop
Tue Apr 03, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 700
Views: 56615

Re: To take or not to take delivery of Tesla 3

I agree people won't rush to do that, but we are definitely moving to a "usership not ownership" model of vehicle use-- Zipcar, Uber etc. Autonomous Vehicles will accelerate that. American cars sit unused for something like 95% of the day, so why own that as a depreciating household asset? I'm goin...
by anoop
Tue Apr 03, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 700
Views: 56615

Re: To take or not to take delivery of Tesla 3

I have no crystal ball as to the future of Tesla as a company. I do know that my Model S converted this right wing Republican BMW-loving gas-burning gearhead to a EV driver for life. One drive in a model S opened my eyes to the superiority of EVs, I've had my Model S 3.5 years and have yet to perso...
by anoop
Tue Apr 03, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 700
Views: 56615

Re: To take or not to take delivery of Tesla 3

I have no crystal ball as to the future of Tesla as a company. I do know that my Model S converted this right wing Republican BMW-loving gas-burning gearhead to a EV driver for life. One drive in a model S opened my eyes to the superiority of EVs, I've had my Model S 3.5 years and have yet to perso...
by anoop
Mon Apr 02, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 101
Views: 12030

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

***UPDATE*** Spent a lot of time looking into options. Tried 5 different cushions/pillows, some with memory foam, and none of them worked. I realized that it wasn't the seat material that was uncomfortable, it was the shape of the seat back itself and the headrest. The seat back and the headrest ha...
by anoop
Sat Mar 31, 2018 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Co-worker told me 401k/403b is a bad idea.
Replies: 52
Views: 5713

Re: Co-worker told me 401k/403b is a bad idea.

If I get to a point where my 401k RMD's push me into a higher tax bracket, I'll happily deal with that problem. For most people, this will never be an issue. It's like worrying about the property taxes on the mansion I can't afford. that completely depends on tax rates in the future, something whic...
by anoop
Sat Mar 31, 2018 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: roth 401k vs roth IRA for mega backdoor conversion
Replies: 4
Views: 269

Re: roth 401k vs roth IRA for mega backdoor conversion

It is interesting see Option 2 offered. There were no examples of this option issued with Notice 2014-54. The balance of the after tax sub account is typically distributable at some point during each year, and amounts rolled out of the sub account retain this benefit and are referred to as "ODAs" (...
by anoop
Sat Mar 31, 2018 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: roth 401k vs roth IRA for mega backdoor conversion
Replies: 4
Views: 269

Re: roth 401k vs roth IRA for mega backdoor conversion

There is ERISA unlimited creditor and bankruptcy protection in 401k plans. The unlimited bankruptcy protection continues to apply to such assets when rolled over to an IRA. The inflation adjusted $1M ($1,283,025) bankruptcy protection is on IRA contributions and earnings. Regardless of source, all ...
by anoop
Sat Mar 31, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: roth 401k vs roth IRA for mega backdoor conversion
Replies: 4
Views: 269

roth 401k vs roth IRA for mega backdoor conversion

I have the following options for my after-tax 401k and would like to find out which is best. 1 convert entire amount to roth 401k, pay tax on earnings 2 convert post tax contributions to roth 401k, earnings go to regular 401k 3 convert entire amount to roth ira, pay tax on earnings 4 convert post ta...
by anoop
Tue Mar 27, 2018 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone buying CDs now instead of I bonds?
Replies: 22
Views: 3315

Re: Is anyone buying CDs now instead of I bonds?

Leif wrote:
Tue Mar 27, 2018 12:37 pm
I'll also be buying more TIPS.
In a taxable account? So far I have stayed away from TIPS in taxable.
by anoop
Tue Mar 27, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone buying CDs now instead of I bonds?
Replies: 22
Views: 3315

Re: Is anyone buying CDs now instead of I bonds?

I'm trying to decide whether to buy I bonds this year. I have a good amount of FI in 3-4% CDs, most of which are coming due late this year and early next. Since interest rates will continue to increase (according to the Fed) over the next couple years, I wonder if CDs make more sense in this enviro...
by anoop
Sun Mar 25, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21695

Re: Anyone Deleting Facebook?

One thing I gleaned from 14 years on Facebook.... I have yet to gain more respect for a person based on what they post, but I have often lost respect for people. I think it is a bit like Newton's laws. You can't win. You are lucky if you break even. So if you think your posts are making people thin...
by anoop
Sun Mar 25, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21695

Re: Anyone Deleting Facebook?

My favorite restaurant has a public facebook page which I used to access to get updates. There would be annoying prompts to login to facebook for a better experience, which I used to ignore. As of yesterday, I can no longer access that page without logging in to facebook. Since I don't have an accou...
by anoop
Sun Mar 25, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on rising rate 5-year CD
Replies: 6
Views: 518

Re: Thoughts on rising rate 5-year CD

I don't think it's a good product. You can already get 2% for a 1 year CD today, heck 2+% state-tax free with a 1-year T-bill. The Fed has signaled 2 more rate increases this year and more aggressive increases next year. Unless we see a recession this year, which is highly unlikely, I think we will ...
by anoop
Sun Mar 25, 2018 1:43 am
Forum: Investing - Help with Personal Investments
Topic: Self-insuring for healthcare - how would you invest
Replies: 34
Views: 2339

Re: Self-insuring for healthcare - how would you invest

This is kind of a thought-exercise that I've been pondering. The first and most prominent risk most people raise for early retirement is uncertainty over health care. So I've been thinking about this question - If you had a million dollars and wanted to use it to self-insure, how would you invest i...
by anoop
Sun Mar 25, 2018 1:40 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 206
Views: 26020

Re: MoviePass-Too good to be true, but it's legit.

This is another beneficiary of ZIRP. It will be gone some time in the next 2 years.

Aside from that, the quality of movies being released nowadays is so bad that I have trouble finding more than 1 movie per month, on average, that I would actually care to see.
by anoop
Sat Mar 24, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21695

Re: Anyone Deleting Facebook?

^ Also, a company like Apple doesn’t need to monetize this information. They make plenty of money selling actual product and don’t need to sell the user. And while I’m not an expert, I think their App Store is better managed. Nevertheless I avoid downloading apps to my phone and prefer instead doing...
by anoop
Sat Mar 24, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21695

Re: Anyone Deleting Facebook?

Kompass wrote:
Sat Mar 24, 2018 2:10 pm
What the heck should I do about this?
You could write your senator/representative and ask them why they are allowing this. It might not lead to anything but if enough folks show concern they might actually do something about it. Like get these businesses to close down.
by anoop
Sat Mar 24, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21695

Re: Anyone Deleting Facebook?

What very much caught me off guard was the #1 hit which is some sort of an aggregation of public records outfit called mylife.com. Full of accurate and current information neatly curated in one place. It includes such things as my current income which could only be gotten from last year's tax retur...