Search found 407 matches

by anoop
Thu Jun 22, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: storing loyalty/membership cards digitally?
Replies: 10
Views: 364

Re: storing loyalty/membership cards digitally?

I was in the same boat when I retired 10 years ago. Most of them just disappeared I think. I used very few of them. I have over 500K miles left on AA but I have no plans to fly them. Every 18 months I donate a few miles to keep rest active. I'm pretty sure I had about that many UA miles when they e...
by anoop
Thu Jun 22, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: storing loyalty/membership cards digitally?
Replies: 10
Views: 364

Re: storing loyalty/membership cards digitally?

which is redundant bc the app works and holds your info for the most part anyways. The problem for me is I have too many of them and I don't really use them. There was a time when I used to travel a lot but not anymore. So I don't have or want apps from any of those companies. I just hold on to the...
by anoop
Thu Jun 22, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: storing loyalty/membership cards digitally?
Replies: 10
Views: 364

storing loyalty/membership cards digitally?

I have a bunch of cards for airline, hotel, and rental loyalty programs. I don't really have a need for them -- I have all the membership info in a document and the just keep the cards in a stack in a card wallet. I also carry a bunch of membership cards with me all the time -- AAA, Car Club, health...
by anoop
Mon Jun 12, 2017 3:07 am
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 12059

Re: Bogle Doubles Down on US Index Funds

Maybe he means that US businesses will take over the world and eventually put all the others out of business. :D Since the number of public companies in the US is shrinking: http://politicalcalculations.blogspot.com/2016/09/the-shrinking-us-stock-market.html they will eventually start going internat...
by anoop
Wed Jun 07, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Going from cash to equities now?
Replies: 47
Views: 4298

Re: Going from cash to equities now?

I'm sitting on almost all cash and individual treasuries and have been doing so since 2008 (before the crash). I have gone back and forth about investing in stocks but have decided against it. There are too many weirdnesses about the current recovery that bother me. The field I work in has been goin...
by anoop
Tue Jun 06, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 90
Views: 7761

Re: Worth it to buy expensive clothes?

Do people think this is too extravagant, or is it worth it to buy quality? Paying a lot does not mean you are getting quality. It is very hard to tell when you're getting quality. 99% of the time one is just paying for the brand. If you are truly paying for quality, it is worth it. How to know if y...
by anoop
Sun Jun 04, 2017 9:02 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 242
Views: 29209

Re: Retreat to cash

TheTimeLord wrote:Like I posted in another thread the fear is palpable here in the last couple weeks.


Did I hear fear? Maybe it's time invest then. ;-)
by anoop
Sun Jun 04, 2017 8:37 pm
Forum: Investing - Theory, News & General
Topic: What is the best way to invest for cash flow?
Replies: 18
Views: 1984

Re: What is the best way to invest for cash flow?

If you are willing to invest some time, I hear there is nothing like real-estate. Between depreciation and deducting various expenses, you can generate what literally amounts to tax free income.

There is risk -- you may buy a lemon, end up with really bad tenants, etc.
by anoop
Sun Jun 04, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 105
Views: 6840

Re: Flying first class, business, versus economy.

If you can afford it, do it!

And while you're at it, don't forget to use the private terminal.
https://www.theguardian.com/world/2017/ ... elebrities

Expect to see more of these (and not just in the travel sector) as the wealth gap widens.
by anoop
Sun Jun 04, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: New laptop needed, any ideas?
Replies: 24
Views: 1530

Re: New laptop needed, any ideas?

In all honesty, I think this is an irrational fear and even if it is a rational fear, then I think your solution is irrational. Just curious, what are you afraid of happening? And I can promise you, even if google doesn't have your info, someone else will. It's just fear of having my privacy violat...
by anoop
Sun Jun 04, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: New laptop needed, any ideas?
Replies: 24
Views: 1530

Re: New laptop needed, any ideas?

My 7 y/o HP is going downhill and I'm in the market for a quality new one. I've been looking at a Lenovo thinkpad so far from reviews I've read. I guess I'm a typical user and just need something for data/files storage, streaming/surfing the web, and microsoft office applications. I'm wanting to ke...
by anoop
Sun Jun 04, 2017 10:56 am
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 242
Views: 29209

Re: Retreat to cash

Tycoon wrote:I've got no evidence, just intuition, but it's my belief that marge-g is not alone and there is a ton of cash sitting idle just waiting for ?????.


How can you have a ton of cash sitting idle? For every seller, there is a buyer.
by anoop
Wed May 31, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Do I deserve it? [A new car]
Replies: 69
Views: 5199

Re: Do I deserve it? [A new car]

Hello All, hope everyone had a nice 3 day weekend. Little background about me. 25, single no kids, never bought a new car, (drive an 06 ford taurus 135k miles) recent graduate, no debt (living at home), 6 months emergency funds, and roughly 100k in vanguard. Since graduating I landed a job which pa...
by anoop
Thu May 25, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: When does Saving become missing out on life?
Replies: 74
Views: 8417

Re: When does Saving become missing out on life?

As long as one is healthy, the scrimping model works. If one loses one health, that's when the model falls apart completely. One finds that the $20/month that one saved pales in comparison to the kind of money healthcare companies will get from you, with or without insurance. I recently had a test a...
by anoop
Wed May 24, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: How to buy (or invest) into Bitcoin?
Replies: 25
Views: 3252

Re: How to buy (or invest) into Bitcoin?

I would recommend going through this presentation (starting slide #77 and on).
https://www.usenix.org/sites/default/fi ... erlman.pdf

It mentions many of the pitfalls of bitcoin, which, somehow, people don't seem to care about.
by anoop
Tue May 23, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: Is it worth it spending money to keep your house looking sharp?
Replies: 54
Views: 7033

Re: Is it worth it spending money to keep your house looking sharp?

Why do you care what others think? If you care about it, that is all that really matters. The same is true for cars and most other durable goods. Some people wash and detail their cars regularly, some will wash it once a month, and some don't have a schedule for washing/cleaning it. Some will get ev...
by anoop
Mon May 22, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 3369

Re: Rice Cooker

Am using an Aroma - $20 on sale at Target. Use it for steaming veggies alone or with rice. It steams shrimp too. Haven't tried Shrimp Grits; Grits in the pot and shrimp in the steam tray. Anyone tried this, with cheese ? Am so pleased with the inexpensive Aroma that I am considering one of the $200...
by anoop
Mon May 22, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 3369

Re: Rice Cooker

Always buy a lot larger than you think you need--at least 6-8 cups cooked for a single measure of rice. Most rice cookers have a min recommended amount. So if you want 1 cup and have an 8 cup cooker, it will not cook it properly. IME, most of the cookers recommend cooking no less than 1/6 of what i...
by anoop
Sun May 21, 2017 11:15 pm
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 74
Views: 4855

Re: At what point to buy new car for safety

The overall driver death rate for all 2011 and equivalent models during 2009-12 was 28 deaths per million registered vehicle years. The overall driver death rate for all 2002 and equivalent models during 2000-03 was 87 deaths per million registered vehicle years. http://www.iihs.org/iihs/topics/dri...
by anoop
Sun May 21, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 3369

Re: Rice Cooker

BTW, as an aside, I recently found a partially milled brown rice that I like a lot. It has the taste and texture of white rice but comes with the benefits of brown rice. Which one? For some reason most brown rice I have tried cooking tastes rancid. It's called Sukoyaka Genmai. It's a bit expensive ...
by anoop
Sun May 21, 2017 12:45 pm
Forum: Investing - Theory, News & General
Topic: This is how many fund managers actually beat index funds
Replies: 9
Views: 3157

Re: This is how many fund managers actually beat index funds

What about bond funds? I'm not sure I was able to under the link in the article in the original post.

But this article says to avoid bond index funds.
http://www.kiplinger.com/article/invest ... funds.html
by anoop
Sun May 21, 2017 12:59 am
Forum: Investing - Help with Personal Investments
Topic: pulling the trigger
Replies: 29
Views: 3802

Re: pulling the trigger

john94549 wrote:In my Trust, I just sold. Frankly, were it I, I'd sell everything and buy CDs.


No bonds?
by anoop
Sat May 20, 2017 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: What if I have enough money?
Replies: 22
Views: 4379

Re: What if I have enough money?

You mention you have 2 houses -- is one of them rented? If you're not renting or living in the house, then you're probably better off selling that, hopefully taking tax free gains and adding that to your stock/bond portfolio so that it generates some additional income. You don't mention expenses, so...
by anoop
Sat May 20, 2017 7:28 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 3369

Re: Rice Cooker

I always do, but I don't enjoy the process at all. There is something called rinse free rice, but I have never tried it. I bought a rice washing bowl from Amazon that makes the rinsing process that much easier. I also find that brown rice needs less rinsing. BTW, as an aside, I recently found a par...
by anoop
Sat May 20, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 3369

Re: Rice Cooker

Do you folks wash your rice prior to cooking it? Wash - I mean - cover with water stir until water turns white - drain - and repeat about 2 more times until water is clear? If you don't do this - you usually have a gel like goop mess to deal with. I didn't realize there were people who didn't wash ...
by anoop
Sat May 20, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Question
Replies: 21
Views: 1407

Re: Auto Insurance Question

BTW, Progressive is known to specialize in high-risk policies. Their rates are typically lower than other traditional insurance companies (Amica, AAA, Farmer's, etc.) if you have one or more active at-fault accidents (last 3 years). If not, you will typically get a lower rate moving to a more tradi...
by anoop
Sat May 20, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 3369

Re: Rice Cooker

Do you folks wash your rice prior to cooking it? Wash - I mean - cover with water stir until water turns white - drain - and repeat about 2 more times until water is clear? If you don't do this - you usually have a gel like goop mess to deal with. I always do, but I don't enjoy the process at all. ...
by anoop
Sat May 20, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 3369

Re: Rice Cooker

I bought a Zojirushi a while ago, but I don't use it much at all because I bought one that is too big. I'm single and this one is rated at 6 cups. So if I try to make 1/2 a cup it doesn't turn out right. I should have gotten a 3 cup version. After that I bought a really cheap one with a stainless st...
by anoop
Sat May 20, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Shocking car insurance quote
Replies: 39
Views: 4982

Re: Shocking car insurance quote

Take a look at Amica, and when you compare prices, take into account that you get a dividend refund once a year. They do not screw over their customers. Dividend does not apply to some states, e.g. CA. https://www.amica.com/en/products/dividend.html >>> *Amica auto dividend policies are not availab...
by anoop
Sat May 20, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: What goes in your smoothie?
Replies: 45
Views: 2722

Re: What goes in your smoothie?

Fresh banana, low-to-no preservative almond milk (I like New Barn), and maybe fresh berries.

I just use a regular old Cuisinart blender, no fancy Vitamix. :) . It is so old, it is US-made!
by anoop
Sat May 20, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Question
Replies: 21
Views: 1407

Re: Auto Insurance Question

BTW, Progressive is known to specialize in high-risk policies. Their rates are typically lower than other traditional insurance companies (Amica, AAA, Farmer's, etc.) if you have one or more active at-fault accidents (last 3 years). If not, you will typically get a lower rate moving to a more tradit...
by anoop
Sat May 20, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Question
Replies: 21
Views: 1407

Re: Auto Insurance Question

They work off of statistics -- age, the car make/model/model year, marital status, ZIP code -- all come into play. Many years ago I moved from a HCOL area to a LCOL area and my insurance went up. A couple of years ago, I exchanged a 12 month old car (lemon) for a new one which was about $5K more exp...
by anoop
Tue May 16, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: What Will Burst the Next Bubble?
Replies: 66
Views: 6632

Re: What Will Burst the Next Bubble?

What I really think is that the next bubble/crash will NOT be market related. I think it will be government debt/tax related. Between Fed/State/Local Pensions, Student Debt, and Social Security Benefits, I think a day is coming (Maybe in the next decade) where as citizens, we will either lose out o...
by anoop
Tue May 16, 2017 9:05 am
Forum: Investing - Theory, News & General
Topic: What Will Burst the Next Bubble?
Replies: 66
Views: 6632

Re: What Will Burst the Next Bubble?

Usually bubbles burst because the fed pricks them by raising rates high. And the funny thing is that they (bubbles) are immune to the initial stages of rate increases and then topple over suddenly and violently at some point. This time around the fed is playing the game a little differently. They ar...
by anoop
Mon May 15, 2017 11:33 pm
Forum: Personal Consumer Issues
Topic: Few days in Portland in July
Replies: 36
Views: 2397

Re: Few days in Portland in July

Nate79 wrote:If you are fascinated by homeless tent cities then you are in luck. We've got a lot of them....


Is there any major city that doesn't have these?
by anoop
Thu May 11, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: what to look for in homeowner's insurance?
Replies: 5
Views: 728

what to look for in homeowner's insurance?

How do I know how much insurance I need for a house? Auto insurance is easy: Collision deductible Comprehensive deductible (I try and keep this very low like $100) Liability coverage per person max, total max Rental car coverage Towing coverage That's about it. With homeowners, there seem to be so m...
by anoop
Tue May 09, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: End of model year car purchases
Replies: 10
Views: 1015

Re: End of model year car purchases

There cannot possibly be a rule of thumb since different cars sell at different prices relative to MSRP even when early in the model year (MY). Sometimes you can get thousands of dollars in incentives even early in the MY, and sometimes cars will sell very close to MSRP because they are in short sup...
by anoop
Sun May 07, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: United Mileage Plus CC - worth it?
Replies: 25
Views: 1791

Re: United Mileage Plus CC - worth it?

If you plan ahead, the miles can be worth something. I'm not very good at planning trips months in advance, so for me they are practically worthless. I have a ton of miles accumulated from work travel. When I occasionally need to make personal trips I find that either I end up having to spend an exo...
by anoop
Sun May 07, 2017 1:59 am
Forum: Personal Finance (Not Investing)
Topic: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)
Replies: 50
Views: 3286

Re: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)

I have a paper with the fees information. It states: Per semester for 15 hours: Tuition: $3054 (waived with the tuition waiver) Mandatory Hourly Fees: $1,893.75 Mandatory Semester Fees: $126.50 Academic Excellence Fees: $1,125 College Program & Technology Fees: $651.75 Total (excluding tuition)...
by anoop
Fri May 05, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Job Decision
Replies: 53
Views: 3775

Re: Job Decision

I agree with others--take the job and start looking again. Try and schedule some time off instead of blowing the whole job away. Now if there's something other than pay that's bothering you about the job (like e.g. an oppressive culture) then that's a different thing, but that's a call only you can ...
by anoop
Mon May 01, 2017 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: I bonds May 2017
Replies: 66
Views: 8157

Re: I bonds May 2017

With the fixed rate at zero, I cannot get too excited about these bonds anymore. And, as I observe comments from investors looking at short term rates over the next 6 to 12 months, seems like I-bonds are becoming a short term vehicle with an optimal redemption holding period of just over 1 year, de...
by anoop
Mon May 01, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: I bonds May 2017
Replies: 66
Views: 8157

Re: I bonds May 2017

Fixed rate is in fact 0%, glad I bought last month... https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesandterms.htm#compositerate Yup. Last month was the month to have bought them. :beer Um, wasn't fixed rate 0% last month as well? Or am I just not understanding? (The l...
by anoop
Fri Apr 28, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 138
Views: 12584

Re: Cost of car compared to Gross Income

my first car (used) -- 15%,
4 years later
my second car (new) -- 30%
5 years later
my third car (new) -- 20%
11 years later
my fourth car (new) -- 15%
1 year later (4th car was a lemon)
my fifth car (new) -- 15%

Doing OK by Dave Ramsey, flunking by Financial Samurai.
by anoop
Fri Apr 28, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Somebody hit my car in a parking lot
Replies: 26
Views: 3754

Re: Somebody hit my car in a parking lot

I have a comprehensive deductible of $100 and use it a lot -- have had several windshields replaced, and recently cracked foglight assembly due to rock impact while driving. I don't think it has affected my rates, but it's possible they lower rates slightly for those with no claims. Even if they did...
by anoop
Fri Apr 28, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Home Warranty
Replies: 11
Views: 911

Re: Home Warranty

I would take some active steps to cancel. I decided not to renew my warranty with AHS last year and just ignored it. They sent it to collections. You should report that to the BBB. That's just plain illegal. How can they send something to collections for service they are not providing? Unless you w...
by anoop
Wed Apr 26, 2017 12:02 am
Forum: Personal Consumer Issues
Topic: Replacing MacBook Pro (retina) Battery
Replies: 12
Views: 774

Re: Replacing MacBook Pro (retina) Battery

Typically if you open up the machine yourself, if something else goes wrong down the line that requires more extensive repair like a system board replacement, Apple may refuse to do it. So it's probably best to get it done from them.
by anoop
Wed Apr 19, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Armageddon Insurance - how to spend $100k
Replies: 29
Views: 2685

Re: Financial Armageddon Insurance - how to spend $100k

Forget it - we live in an inter-connected world. When one domino falls, they will all fall. As far as your metals, guns and butter theory - you'd better have an invisible shield that protects you 24/7/365 because if it ever comes down to it there just is not going to be enough time, ammo, food/wate...
by anoop
Wed Apr 19, 2017 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Looking at buying our first home, what can I reasonably afford. Also a tax bracket question.....
Replies: 27
Views: 3283

Re: Looking at buying our first home, what can I reasonably afford. Also a tax bracket question.....

in my case (i'm in ca), bonuses and any other non-salary payouts are withheld at close to 40% as well (it might be higher, i have not tracked it). you should check with your hr/payroll folks, but, at least to me, it does not seem out of line at all, especially if they are withholding social security...

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