Search found 162 matches

by aqan
Sat Jun 24, 2017 10:43 pm
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 45
Views: 4415

Re: Costco vs. Amazon - Thoughts of Prime Members?

Costco has slipped from $180 to $159 since Amazon purchased Whole Foods. I can't see any correlation between Amazon owning a grocery store and how my shopping habits at Costco would change. kjvm exactly my thoughts. no one really knows what amazon plans to do with whole foods. Some say it will be a...
by aqan
Sat Jun 24, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: Travel to Kazakhstan - Health Insurance
Replies: 8
Views: 625

Re: Travel to Kazakhstan - Health Insurance

Watty wrote:Also check with your health insurance company to see what coverage you have overseas.

+1. I don't believe I've ever had a plan that didn't cover overseas.
by aqan
Tue Jun 20, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 61
Views: 3268

Re: Good camera - new baby coming

I feel that these days you only need to buy a decent DSLR... most of the time you'll be using your smartphone as that will be always handy to record the spontaneous cuteness :)
by aqan
Mon Jun 19, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy an $800k house?
Replies: 89
Views: 5865

Re: Should I buy an $800k house?

always paid about 2000 to 2200k per month in rent, so shelling out 4k per month for mortgage+tax seems weird.) Thanks! 4K mortgage + tax - Am I right that you'll approximately be paying $800 towards principal and will get approx 25% tax break on $3200. so that will be an $800 savings on tax. So you...
by aqan
Wed Jun 14, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: 2004 LEXUS RX 330
Replies: 46
Views: 2557

Re: 2004 LEXUS RX 330

Thanks for the responses. We took out a $35,000 loan and now owe around $31,200. I just want to ditch it and get the Lexus. It would save us quite a bit. I'm a Dave Ramsey guy and really have kicked myself for signing up for this! you have already taken the biggest hit in car buying... how much do ...
by aqan
Tue Jun 13, 2017 2:49 am
Forum: Personal Consumer Issues
Topic: Got a parking ticket - what to do?
Replies: 44
Views: 2995

Re: Got a parking ticket - what to do?

No, I'm pretty sure the ticket was meant for me. The make was correct. The color was close but not right. The license plate was off by one digit. The time of the ticket exactly matched when my initial two hours was up. You can lookup and pay NY tickets online. I'd go to the website and check with y...
by aqan
Sat Jun 10, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Cell phone service abroad
Replies: 79
Views: 6253

Re: Cell phone service abroad

OP you should take a look at tmobile. Absolutely not. I've already ranted on that topic in this particular context and thread. T-Mobile will never get another dime of my business. well.. sorry to hear you had issues with t-mobile. I've had t-mobile for many years and it worked wonderfully for us......
by aqan
Mon Jun 05, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Any work-around to use ultimate reward points to book a car rental that returns at different lcoation
Replies: 6
Views: 447

Re: Any work-around to use ultimate reward points to book a car rental that returns at different lcoation

have you tried airline rewards to rent cars? You can transfer UR points to airline rewards and use it to rent the car.
I've personally never tried it but should be possible.
by aqan
Mon Jun 05, 2017 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Question regarding bonds in taxable accounts - muni bond fund recommended?
Replies: 18
Views: 1001

Re: Question regarding bonds in taxable accounts - muni bond fund recommended?

Tax Rate: With our income, I believe we are in the 33% Federal, 4.24% State brackets. Although our effective federal tax rate last year was abou 7.5% according to Turbotax. These two numbers do not seem right to me. Otherwise tell us how you did it. I think my effecive rate was 17% and I'm in the s...
by aqan
Fri Jun 02, 2017 2:40 am
Forum: Personal Finance (Not Investing)
Topic: Job offer without an in person interview
Replies: 41
Views: 3446

Re: Job offer without an in person interview

I'd like to see the work environment and meet the boss face to face before accepting any offer. Meeting face to face can give to a good idea about their personality and weather your frequency is going to match theirs. Are you going to move or is this a traveling/telecommuting job? Wouldn't you like ...
by aqan
Tue May 30, 2017 1:27 am
Forum: Personal Consumer Issues
Topic: Cell phone service abroad
Replies: 79
Views: 6253

Re: Cell phone service abroad

OP you should take a look at tmobile.
tmobile offers unlimited 2G data/text in many countries. It's generally good enough to make FaceTime/whatsapp audio calls. Incoming calls are 20c/min. outgoing could be more expensive (just don't recall the exact details.)
by aqan
Fri May 26, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio 100% in VTSAX for first 5 years of my career?
Replies: 18
Views: 1381

Re: Portfolio 100% in VTSAX for first 5 years of my career?

If I were you I'd do a 50/50 portfolio until the next market crash... at some point after the dust settles I'd gradually start shifting my portfolio to my target allocation of 100% stocks. you may lose a couple of points on the returns but most likely the rebalancing will make up for it... and then ...
by aqan
Fri May 26, 2017 5:41 am
Forum: Personal Finance (Not Investing)
Topic: Risky to ask for raise with another offer?
Replies: 28
Views: 2323

Re: Risky to ask for raise with another offer?

I'd ask the supervisor 'What do I need to do in order to move up (or get a raise)?'
by aqan
Wed May 24, 2017 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Any advice on investing 200k, short term 1 yr?
Replies: 15
Views: 1993

Re: Any advice on investing 200k, short term 1 yr?

We have been looking for bonds.. But have little idea about which bonds are best for my case. So I am here to get some help. Thanks in advance!! Don't invest in INDIVIDUAL bonds. Invest in a total bond market index fund. BTW 100% bonds is actually more risky than 72% bonds / 28% stocks. http://inve...
by aqan
Wed May 24, 2017 5:40 am
Forum: Investing - Help with Personal Investments
Topic: Any advice on investing 200k, short term 1 yr?
Replies: 15
Views: 1993

Re: Any advice on investing 200k, short term 1 yr?

If you can take a little risk to earn more return than a CD and better liquidity, consider Vanguard Short Term Investment Grade (VFSTX) or Short Term Corporate ETF (VCSH). I have my 2nd tier emergency fund in VCSH. Stay away from anything intermediate or long term. thanks. I was looking for somethi...
by aqan
Thu May 18, 2017 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 5972

Re: Convince me to get back into stocks!

amd7239 wrote:
delamer wrote:What if the market goes up 25% before it experiences a 15% drop?


That would be fine. All I want is for it to drop by 15 percent so i cam buy.

lol.. you made my day
by aqan
Thu May 18, 2017 9:20 pm
Forum: Personal Consumer Issues
Topic: Neighbor draining onto / flooding my patio and yard daily - what can I do?
Replies: 59
Views: 5024

Re: Neighbor draining onto / flooding my patio and yard daily - what can I do?

My neighbor's yard behind my property is about 10-15 feet below mine, although I've never seen any of my water go into his property it will be inevitable in a heavy rain. He sent a city inspector to my house complaining about the water the very first week we moved in. He never spoke to me about it.....
by aqan
Wed May 17, 2017 6:00 am
Forum: Investing - Theory, News & General
Topic: What Will Burst the Next Bubble?
Replies: 66
Views: 6616

Re: What Will Burst the Next Bubble?

Market is teasing the people who are on the sidelines. When the maximum number of bystanders give up and jump into the market, the market will crash for no particular reason.
by aqan
Sun May 14, 2017 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 18376

Re: Buying a luxury car (how dumb would it be to do this?)

you're making enough money that you can fulfill your long time desires... go for it otherwise you'll end up spending a lot more when you retire:)
by aqan
Sat May 13, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 118
Views: 15242

Re: Best DNA genealogy testing kits

It's not an easy decision for me.. I normally don't believe in finding my fate ahead of its time but in this case I was wondering if my dad passed his Parkinson gene to me and if he did should I be doing something about it. I'm still on the fence. Thoughts? My report said this about Parkinson's: Pa...
by aqan
Sat May 13, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 118
Views: 15242

Re: Best DNA genealogy testing kits

I can bet it is only a matter of time those forms you sign when applying for insurance underwriting will include accessing this type of data. With medical advancements it is only a matter of time one will get denied for some insurance coverage based on a tissue swab that you took and those results ...
by aqan
Sat May 13, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 118
Views: 15242

Re: Best DNA genealogy testing kits

Hey guys.. i was wondering if someone can guide me on which test is best for finding out health information? I'm not too keen on the family tree thing just want to know which diseases/medical conditions did I inherit. 23andme has had its "health reports" restored. In 2013, the FDA asked 2...
by aqan
Sat May 13, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 118
Views: 15242

Re: Best DNA genealogy testing kits

Hey guys.. i was wondering if someone can guide me on which test is best for finding out health information? I'm not too keen on the family tree thing just want to know which diseases/medical conditions did I inherit. I have the grandfathered 23andme health information. I got it for the ancestry an...
by aqan
Sat May 13, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Price for brakes and rotors?
Replies: 73
Views: 3255

Re: Price for brakes and rotors?

Check craigslist services section for mechanics you pay them by the hour (usually fixed beforehand for the type of job) and bring your own parts.
by aqan
Fri May 12, 2017 5:33 pm
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 118
Views: 15242

Re: Best DNA genealogy testing kits

Hey guys.. i was wondering if someone can guide me on which test is best for finding out health information? I'm not too keen on the family tree thing just want to know which diseases/medical conditions did I inherit.
by aqan
Mon May 08, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: Why is Citi giving me money?
Replies: 10
Views: 2086

Re: Why is Citi giving me money?

Nice!! never thought it will be so easy to get money out of citi (or any other bank).
The only citi card I have is the costco card. is this feature available on costco card?
by aqan
Sun May 07, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Will and Estranged Child advice
Replies: 44
Views: 4026

Re: Will and Estranged Child advice

Sorry to hear about your situation OP. I'd ask yourselves that If you cut off your estranged daughter and the very next day she shows up at your doorstep feeling sorry, what would you do? If the answer is add her back then no point removing her. If you don't have hard feelings for her, why make her ...
by aqan
Sun May 07, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: Mazda CX3 lease... is this a good deal
Replies: 22
Views: 1826

Re: Mazda CX3 lease... is this a good deal

Hi ... first post ... never leased a car ... hoping someone smarter than me can tell me if this a good lease or not ... here goes 1. 2017 mazda cx 3 touring model Awd 2. $0 down 3. No trade in 4. 36 months 5. 15000 miles per year 6. $350/mo Not enough info. You need to ask the dealer of a quote con...
by aqan
Sun May 07, 2017 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 800K house?
Replies: 52
Views: 4999

Re: Can we afford a 800K house?

While we had planned to stay in USA for the longer term earlier, but our permanent residency process has been delayed significantly in the last few months - any new immigration policy that could impact us is a potential risk. Although its a valid concern I wouldn't worry about it that much. Especia...
by aqan
Fri May 05, 2017 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Unmarried couple purchasing a home?
Replies: 72
Views: 4018

Re: Unmarried couple purchasing a home?

Just wondering what's the rationale behind behind buying the home together if you're not planning to get married ever? You mentioned that you currently own the condo, does your partner pay you rent? Why not just maintain your current arrangement i.e. You buy/own the house and the other person pays y...
by aqan
Tue May 02, 2017 5:44 am
Forum: Investing - Help with Personal Investments
Topic: If you had 30,000 dollars to invest in your future, how would you do it?
Replies: 49
Views: 5105

Re: If you had 30,000 dollars to invest in your future, how would you do it?

If I were you I'd allocate some money to a futuristic investment like TSLA. I understand its a bit risky but in 20-30 years EV technology is going to be the most growing & profitable technology. Since Tesla is the leader and most advanced, chances are that you're going to come out ahead.
by aqan
Mon May 01, 2017 5:21 pm
Forum: Investing - Theory, News & General
Topic: Five year CD paying more than 10 yr. treasury
Replies: 30
Views: 4389

Re: Five year CD paying more than 10 yr. treasury

OP, are you really asking why a five year CD is paying more than a five year Treasury? That's a more apples-to-apples question. Yes this is really what I am asking. I can't find a readily available datasource but did find several articles that quotes 40-50 basis points as the usual spread of CD rat...
by aqan
Sat Apr 29, 2017 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: If you pay a high AMT, would you take out $1M mortgage?
Replies: 45
Views: 3866

Re: If you pay a high AMT, would you take out $1M mortgage?

Dottie57 wrote:I have a hard time swallowing someone whose family income is almost 4 times as much as mine complaining about taxes which are 1/3 of what I pay.


Clearly you have no idea what you are talking about. re-read the OP and if you don't understand google AMT.
by aqan
Fri Apr 28, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: Need a car for 9-12 months
Replies: 21
Views: 1792

Re: Need a car for 9-12 months

you could pickup the remaining lease from someone..

try https://forum.leasehackr.com/c/marketplace
by aqan
Tue Apr 25, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 5067

Re: $300+ to remove a racoon. Really?

crazylightgirl wrote:I would trap it myself but since it may have babies, I don't want to separate mom from babies and have them starve to death, thus leaving a stench in my crawlspace.

thats why I'd pay $300 to get rid of it.
by aqan
Sun Apr 09, 2017 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Buying high yielding Bonds 5-10%
Replies: 21
Views: 2061

Re: Buying high yielding Bonds 5-10%

Nate79 wrote:Frontiers bonds are often held by junk bond funds if that tells you anything. Not sure about the others but you can easily look up the holding of funds like JNK.

lol.. there's a 11 % Frontier bond in JNK :)
by aqan
Sun Apr 09, 2017 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Buying high yielding Bonds 5-10%
Replies: 21
Views: 2061

Re: Buying high yielding Bonds 5-10%

Most of the extra yield is because of the increased bankruptcy risk of the underlying company. Remember that going bankrupt does not mean the company ceases to exist; many companies have gone into bankruptcy, defaulted on the bonds leaving the bondholders with pennies on the dollar, and reemerged a...
by aqan
Sun Apr 09, 2017 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Buying high yielding Bonds 5-10%
Replies: 21
Views: 2061

Re: Buying high yielding Bonds 5-10%

High yield bonds have equity like characteristics and don't give you the diversification benefits to stocks that higher quality bonds do. In other words, high yield bonds often perform badly at the same time that stocks perform badly. Think of these as a hybrid between stocks and bonds and you won'...
by aqan
Sun Apr 09, 2017 7:25 am
Forum: Investing - Help with Personal Investments
Topic: Buying high yielding Bonds 5-10%
Replies: 21
Views: 2061

Buying high yielding Bonds 5-10%

I saw the following article on seeking alpha. The author mentions a few bonds which yield 5-10% (ignore the levering up part). That got me thinking if these bonds are yielding way above market they must have a lot of risk (author doesn't think so) for example 1. Frontier Comm expires 6/2022 yields 1...
by aqan
Sun Apr 02, 2017 10:53 pm
Forum: Personal Consumer Issues
Topic: Excel (Office 2007) Question
Replies: 9
Views: 1087

Re: Excel (Office 2007) Question

sorry but the blue font is giving me headache.
by aqan
Sun Apr 02, 2017 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone decreasing % of bonds this year?
Replies: 91
Views: 7516

Re: Is anyone decreasing % of bonds this year?

I increased my bond allocation a couple of months ago primarily to ease my nerves. Fed rate will impact stocks more than it will impact bonds at least for the next few increases. Heigher bond allocation has an added advantage of buying stocks on the cheap when everyone else is selling. (Hopefully bo...
by aqan
Fri Mar 31, 2017 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?
Replies: 75
Views: 4234

Re: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?

Jiu Jitsu Fighter wrote:The advisor is a complete idiot that doesn't understand basic math. He is also a market timer. Please disregard anything he says.

Haha.. I agree with you.
I would have preferred some asset class diversification so when (not if) S&P drops you have room to rebalance.
by aqan
Wed Mar 29, 2017 5:32 am
Forum: Personal Finance (Not Investing)
Topic: Daugther's Credit Card Windfall
Replies: 40
Views: 5015

Re: Daugther's Credit Card Windfall

itstoomuch wrote:Very odd.
Several bits got confused. Not likely. :annoyed
Discover Card have humans entering online payments :confused not software automated :annoyed :confused :x

Some banks send checks when you make online payments. Maybe thats what happened here
by aqan
Wed Mar 29, 2017 5:28 am
Forum: Personal Finance (Not Investing)
Topic: Daugther's Credit Card Windfall
Replies: 40
Views: 5015

Re: Daugther's Credit Card Windfall

stumblebum wrote:this is a gigantic "teaching" opportunity for a parent. maybe i"m old-school, but dishonesty is a very bad habit for a parent to instill in offspring.
:confused

+1. OP do this now and she'll be all set for life.
100% discover will catch the error and fix it.
by aqan
Sun Mar 26, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401K: 1099 income reported as 'Other Income'
Replies: 5
Views: 408

Re: Solo 401K: 1099 income reported as 'Other Income'

The CPA is correct that the client should have reported the Independent Contractor payments in Box 7 instead of Box 3. The client should file a corrected 1099-MISC. However, at this late date there is no problem for the taxpayer to report this on Schedule C, flowing through to Schedule SE, make Sol...
by aqan
Sun Mar 26, 2017 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401K: 1099 income reported as 'Other Income'
Replies: 5
Views: 408

Re: Solo 401K: 1099 income reported as 'Other Income'

Hi Bogleheads, Today I went to do our taxes with my CPA and he raised an issue with the way my wife's income is reported on her 1099. She started working as a consultant in 2016 and this is her first year filing taxes and doing Solo 401K. Her income is reported in Box 3 'Other Income ' and my CPA b...
by aqan
Sat Mar 25, 2017 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401K: 1099 income reported as 'Other Income'
Replies: 5
Views: 408

Solo 401K: 1099 income reported as 'Other Income'

Hi Bogleheads, Today I went to do our taxes with my CPA and he raised an issue with the way my wife's income is reported on her 1099. She started working as a consultant in 2016 and this is her first year filing taxes and doing Solo 401K. Her income is reported in Box 3 'Other Income ' and my CPA be...
by aqan
Thu Mar 23, 2017 5:30 am
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 9149

Re: The $1,124,176 Car.

Silence Dogood wrote:
aqan wrote:OP your numbers are completely messed up. I see your point but the math is not right.

If you invest 35K for 40 years at 7% you'll get $524,106.02.


Where is your "35K" figure coming from?

thats the savings of buying toyota over BMW per OP
by aqan
Wed Mar 22, 2017 10:23 pm
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 9149

Re: The $1,124,176 Car.

OP your numbers are completely messed up. I see your point but the math is not right.

If you invest 35K for 40 years at 7% you'll get $524,106.02.
by aqan
Mon Mar 20, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: When does a new computer make sense...
Replies: 27
Views: 2027

Re: When does a new computer make sense...

WolfgangPauli wrote:Any experience with chrome books?

My middle schooler got one from school.. seems okay if you do most of your stuff on the browser. You don't really have an option of installing apps locally. So no excel, word etc on your computer.

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