Search found 193 matches

by aqan
Sat Aug 19, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 67
Views: 4768

Re: How useful is a home security system?

Your son slept through them smashing a glass door, breaking open a safe, and searching every room in the house (conveniently, except his)? Hate to say it, but I know who my prime suspect would be. Tough situation to be in as a parent. +1 You have to have a reason to rule him out OP. it may not be d...
by aqan
Sat Aug 19, 2017 12:17 am
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 166
Views: 11623

Re: Lost $7000 today in ONE DAY!

whodidntante wrote:
Fri Aug 18, 2017 11:39 pm
abuss368 wrote:
Fri Aug 18, 2017 10:39 pm
As Warren Buffett noted during the financial crisis "things are on sale".
I don't hear him saying that right now.
I don't believe there's a financial crises either
by aqan
Sat Aug 19, 2017 12:14 am
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 84
Views: 5993

Re: DUI lawyer - need advice

My dc is up on dui/oui charges for a first offense. A tree was hit with no injury to anyone. Is it worth it to spend more money on a more expensive lawyer or is this standard fees and terms from a judge that a less expensive lawyer can handle? Lawyer 1: $2000 fee upfront Lawyer 2: $6000 fee upfront...
by aqan
Sat Aug 19, 2017 12:02 am
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 84
Views: 5993

Re: DUI lawyer - need advice

kramer wrote:
Fri Aug 18, 2017 1:09 pm
I don't know what or who a "dc" is?
Dear Child.

glad i was able to contribute something :)
by aqan
Tue Aug 15, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 123
Views: 6446

Re: Is $9000 too much for a sectional sofa ?

Marjimmy wrote:
Tue Aug 15, 2017 11:39 am
Is $9000 too much for a sectional sofa ?

Yes.
Not if you have a billion dollars 😜
by aqan
Sun Aug 13, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: Luck with DirectTV Now?
Replies: 37
Views: 5255

Re: Luck with DirectTV Now?

Lindrobe wrote:
Mon Dec 26, 2016 2:51 pm
am having constant buffering issues. Has anyone else had this problem with DirectTV Now?
yup I did too... had to switch the resolution to 720P to make it work. give that a try.
by aqan
Tue Aug 08, 2017 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Selling company stock (90% of portfolio)
Replies: 31
Views: 2508

Re: Selling company stock (90% of portfolio)

At 25 years you can afford to take some risk. After all no risk = no reward:)
I agree with leaving the 25K casino money in the game.... if you strongly believe in the potential of the company.
by aqan
Thu Jul 27, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 6793

Re: Post Nuptial agreement guaranteeing alimony?

Can your husband change jobs to an employer who doesn't care so much about spouse's business? to me this seems like a more appropriate proposal than a post-nup.
by aqan
Thu Jul 27, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: WiFi Thermostat?
Replies: 59
Views: 3693

Re: Follow up on wifi thermostat

wilked wrote:I can recommend the Sensi. Made by Emerson who is a leader in industry for measurement instruments

+1 using sense for two years with no issues
by aqan
Sun Jul 23, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: How am I doing? (dual physician household)
Replies: 45
Views: 5664

Re: How am I doing? (dual physician household)

Gross Income: 550


it has to be per head
by aqan
Sun Jul 23, 2017 3:47 am
Forum: Investing - Help with Personal Investments
Topic: Need investing advice
Replies: 23
Views: 1932

Re: Need investing advice

I would not invest money in this market if i were in your shoes.
Also, sorry to hear you're not having luck with finding employment. FWIW i know a few people who are making a living out of ebay/uber/cl etc.
by aqan
Fri Jul 21, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: 4% mortgage rate vs 2.5% BND yield
Replies: 92
Views: 6897

Re: 4% mortgage rate vs 2.5% BND yield

Klang let's lend each other money. I'll lend you $100,000 at 4% interest and you lend me $100,000 at 2.5%. The remainder of your or my portfolio is irrelevant. What is relevant is that you would be willing to lend money at 2.5% while borrowing it at 4%. Please don't try to explain the logic to me. ...
by aqan
Fri Jul 21, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: 4% mortgage rate vs 2.5% BND yield
Replies: 92
Views: 6897

Re: 4% mortgage rate vs 2.5% BND yield

One reason is that while 4% is a high rate now, the mortgage is for a long time, maybe 30 years. If rates return to historical levels, you can have a 4% mortgage while bonds/CDs etc. yield 5% or 6%. If that happens, you would be glad to have that "low" rate mortgage. When I bought my firs...
by aqan
Tue Jul 18, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7548

Re: how to destroy hard disk with personal info

I wiped mine with DBAN and then copied a large file to it until the disk was full. Also did create a small file to make sure the disk was 100% full. I guessed if the media was totally written over then the previous contents must've been wiped. Of course if you have something incriminating on it you ...
by aqan
Mon Jul 17, 2017 12:15 am
Forum: Personal Consumer Issues
Topic: YouTube TV - Anyone used or currently using?
Replies: 29
Views: 3136

Re: YouTube TV - Anyone used or currently using?

is there an app for Apple/Fire TV or you'll need to get chrome cast ?
by aqan
Sat Jul 15, 2017 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: FNG ETF and the expense ratio dilemma
Replies: 4
Views: 286

Re: FNG ETF and the expense ratio dilemma

seems like a fairly new fund. If it catches on and they get a lot of new money in, the fees will drop. Anywho, I hope you realize that you're taking a lot more risk (and hopefully potential reward) on this fund as opposed to total stock market fund, that's what I'd be more worried about rather than ...
by aqan
Sat Jul 15, 2017 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Investing in company stock?
Replies: 17
Views: 761

Re: Investing in company stock?

does she have any holding period? generally she would have to pay tax on the 10% subsidy if she sells the stock before 18 months (Qualifying Disposition aka IRS holding period.. check your employee handbook to confirm the exact details).. if you sell as qualifying disposition you only pay capital ga...
by aqan
Sat Jul 15, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 9502

Re: [Amazon Prime Day]

Amazon is selling an "Instant Pot DUO80 7-in-1 Multi-Use Programmable Pressure Cooker, 8 Quart/1200W" - whatever that is - for " $89.99 via Alexa" - whatever that means. Last year it was $69.99 , per Doctor of Credit. DoC is wrong on this. I bought the $69.99 one last year, whic...
by aqan
Fri Jul 14, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: Is it Safe to Get Your DNA Tested?
Replies: 71
Views: 6543

Re: Is it Safe to Get Your DNA Tested?

How about just setting up a fake profile for you test and disclose your self to only those you want to disclose to? user name, email address, even a fake drop box / p.o. box for the testing? thats what i did still awaiting results. so far I didn't provide any research info they kept asking for, wan...
by aqan
Fri Jul 14, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Cheap source for basic will
Replies: 34
Views: 2271

Re: Cheap source for basic will

https://www.doyourownwill.com

This site is pretty good. They ask you a few questions and generate a PDF file for you.
Haven't done it myself yet but planning to this summer.
by aqan
Fri Jul 14, 2017 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest 300K
Replies: 33
Views: 2578

Re: How to invest 300K

The "right" answer is to put it all in because that works out better most of the time. Some people can't do that. Did anyone ever try that with the worst market timer guy story who always bought at the peak? Just curious what how would he have done if he kept investing every paycheck? Not...
by aqan
Thu Jul 13, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: Cutting the Cord: Who's Best?
Replies: 46
Views: 5053

Re: Cutting the Cord: Who's Best?

How do you cut the cord and get: 1. standard basic cable channels (cnbc, cnn, msnbc, etc.) 2. a choice of premium channels (HBO, etc.) 3. DVR service 4. multiroom access 5. your local channels ? You can get HBO and Showtime through DirecTV Now. I was an early subscriber, so I get HBO free for 1 yea...
by aqan
Mon Jul 10, 2017 11:42 pm
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 9502

Re: [Amazon Prime Day]

great deal for $100. I just paid $180

23andMe DNA Test - Health + Ancestry Personal Genetic Service

https://www.amazon.com/dp/B01G7PYQTM
by aqan
Sat Jul 08, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 4887

Re: Better hurry if you want a gas-engine Volvo

if all/most cars become electric someday, where will all the electricity come from to power them every day? how will it be generated? ICE is extremely inefficient, about 90% of the energy gets wasted as heat. The big power plants used by power generating companies are a lot more efficient (only 50%...
by aqan
Sat Jul 08, 2017 3:39 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance: 401K BONDs Funds ; Ex-US BOND Fund?
Replies: 3
Views: 359

Re: Rebalance: 401K BONDs Funds ; Ex-US BOND Fund?

exactly something crossed my mind yesterday... markets are getting choppy.
bump!!
by aqan
Wed Jul 05, 2017 7:02 am
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 54
Views: 5624

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

TomatoTomahto wrote:Every year or so I give her a State Of Our Investments talk. She mostly doesn't care, but tries to act interested. For a while. Then we watch Netflix.

lol.. glad I'm not alone.
by aqan
Wed Jul 05, 2017 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on 1.2m (now 900K) house purchase
Replies: 188
Views: 11484

Re: Seeking advice on 1.2m house purchase

Income (Annual): $149K (Base) + Average stock equity about $50K = $~200K . I work in a Silicon Valley high tech company. Confused by average '50K-200K' statement. It would be helpful if you can post the actual average of the RSU granted in the last 5 years? also, you didn't mention your age, how lo...
by aqan
Wed Jun 28, 2017 11:07 pm
Forum: Personal Consumer Issues
Topic: Lexus RX400h - smoke from hood. What could be the issue?
Replies: 9
Views: 771

Re: Lexus RX400h - smoke from hood. What could be the issue?

how did you get home if the you saw the smoke coming out within a minute?? any who doesn't look like you gotta clue on whats going on (me neither;) the best option will be to get a couple of estimates. I wound't discount dealer without getting a quote.. the main problem is how do you get the car to ...
by aqan
Mon Jun 26, 2017 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Can we/should we afford a $2M house?
Replies: 93
Views: 12570

Re: Can we/should we afford a $2M house?

To OP's question about building sites: in the second location, you say land as far as the eye can see. What does that mean? Who owns it, and what's going to happen with it? Unless there's an easement or restrictive covenant, I have to assume its going to become another neighborhood in the soonish f...
by aqan
Sun Jun 25, 2017 8:19 pm
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 11159

Re: Amazon Buys Whole Foods

100+ Years ago Sears and Roebuck was a catalog company selling at bargain prices and taking advantage of the railroads transforming the nation. In 1925 they started moving into retail outlets, eventually growing into one of the largest companies out there. Today people question if there will be a f...
by aqan
Sun Jun 25, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Can we/should we afford a $2M house?
Replies: 93
Views: 12570

Re: Can we/should we afford a $2M house?

Shackleton wrote:Yeah, if you can't afford a $2M home, no one can.

+1
by aqan
Sat Jun 24, 2017 10:43 pm
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 80
Views: 8774

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: 12
Views: 1336

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: 64
Views: 4180

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: 6749

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: 2975

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: 3268

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: 6850

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: 551

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: 1154

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: 3880

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: 6850

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: 1547

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: 2497

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: 2150

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. m m @Bogle_...
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: 2150

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: 6541

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: 5541

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: 7158

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: 20113

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:)