Search found 147 matches

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: 5465

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: 4640

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: 6223

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: 215
Views: 16882

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: 14757

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: 14757

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: 14757

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: 14757

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: 2928

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: 14757

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: 2011

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: 3828

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: 1698

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: 4594

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: 3805

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: 4970

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: 4305

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: 3741

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: 1722

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: 4760

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: 2007

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: 2007

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: 2007

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: 2007

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: 1031

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: 7280

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: 4115

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: 4890

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: 4890

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: 387

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: 387

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: 387

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: 8442

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: 8442

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: 1919

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.
by aqan
Sun Mar 19, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Cheapest dress shirt to wear under a sweater
Replies: 34
Views: 2362

Re: Cheapest dress shirt to wear under a sweater

cheapest under the sweater?? here you go :D :D


Image
by aqan
Sun Mar 19, 2017 6:04 pm
Forum: Investing - Theory, News & General
Topic: It's worth remembering that bull markets don't last forever
Replies: 95
Views: 6962

Re: It's worth remembering that bull markets don't last forever

Aftermath United States didn't see the same level in real terms until August 1993— over twenty years after the 1973–74 crash began.[1] https://en.wikipedia.org/wiki/1973%E2%80%9374_stock_market_crash O'Boy... I don't even want to imagine what it would be like for someone retiring in 1974. How long ...
by aqan
Sat Mar 18, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 169
Views: 15486

Re: "Millionaire Next Door" Net Worth Formula

randomizer wrote:I fail at this by a long way.

you're not alone:)
by aqan
Sat Mar 18, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2314
Views: 688493

Re: What Book Are You Currently Reading? Part VI

Just finished Susan Cains "Quiet: The Power of Introverts in a World that can't stop talking" Excellent examples and analyses. Introverts are wired to be Bogleheads with a "stay the course" brain. Thanks just started reading (actually listening) it. So far i like it (think I'm o...
by aqan
Fri Mar 17, 2017 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Plan: Do it myself or use Advisor?
Replies: 41
Views: 3426

Re: Retirement Plan: Do it myself or use Advisor?

I thought long and hard about how much I would need to live on. You can't have a retirement plan until you have an understanding of what you need. could you please elaborate on that? I'd like to understand what kind of expenses to expect in retirement. I didn't grow up in US and have limited knowle...
by aqan
Thu Mar 16, 2017 7:26 pm
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 10073

Re: Anyone else taking less risk

I went from 85/15 to 50/50.
I agree with pennstater2005 tho. There's something some time before the bubble bursts. [OT comment removed by moderator prudent]
by aqan
Sun Mar 12, 2017 12:08 am
Forum: Personal Consumer Issues
Topic: High Cost Prescriptions For Free
Replies: 24
Views: 2447

Re: High Cost Prescriptions For Free

I am a pharmacist and most drug companies have programs that provide medications for free or discounted prices to people without insurance who can't afford them. This is especially true with more costly and less common medications. Most drug companies are supplying the medication then they take the...
by aqan
Sat Mar 11, 2017 11:59 pm
Forum: Personal Consumer Issues
Topic: High Cost Prescriptions For Free
Replies: 24
Views: 2447

Re: High Cost Prescriptions For Free

I am a pharmacist and most drug companies have programs that provide medications for free or discounted prices to people without insurance who can't afford them. This is especially true with more costly and less common medications. Most drug companies are supplying the medication then they take the...
by aqan
Fri Mar 10, 2017 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: 28yo, New Millionaire, Advice on Wealth Management
Replies: 64
Views: 6886

Re: 28yo, New Millionaire, Advice on Wealth Management

congratulations on your success at this young age.
Wouldn't you want to keep some money aside for your next venture?
by aqan
Fri Mar 10, 2017 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Step By Step
Replies: 33
Views: 10251

Re: Backdoor Roth Step By Step

This is probably a stupid question, but... How do I "convert" the traditional IRA to a Roth IRA on the Vanguard website? I have already opened and funded the TIRA account; do I have to open a new Roth IRA and then "Exchange (sell to buy) Vanguard Funds" (one of the options I see...
by aqan
Fri Mar 10, 2017 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Step By Step
Replies: 33
Views: 10251

Re: Backdoor Roth Step By Step

co_investor wrote:
Am I missing something?

Thanks in advance.


yes... very important step :D :D .. file form 8606 with your return.
by aqan
Thu Mar 09, 2017 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Need 3% from $657K annually. What AA is best?
Replies: 21
Views: 3471

Re: Need 3% from $657K annually. What AA is best?

If you are going to be content with 3%, I'd go with Andrews FCU 84 month CD. The APY is exactly 3% and there's no market risk to your capital with 250K insurance per individual.
by aqan
Wed Mar 08, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 176
Views: 15615

Re: How Much in Your Emergency Fund And Is It Used?

We have $120 grand in cash in boring old savings account earning around 1 percent. We are loosing to inflation but we view it as an insurance policy for life's happenings. Last year, we did not have any emergency needs that we needed to tap into it. However, we have had to use it in the past, plumb...
by aqan
Wed Mar 08, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Changing allocation to 60/40 - Help with Selection
Replies: 4
Views: 851

Re: Changing allocation to 60/40 - Help with Selection

retiredjg wrote:
aqan wrote:VANG TOT BD MKT ADM (VBTLX) 0.06% No additional fees apply.

I'd use this one.

Done!
Appreciate your input.
by aqan
Tue Mar 07, 2017 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Andrews 3% CD or Total Bond Market?
Replies: 44
Views: 7915

Re: Andrews 3% CD or Total Bond Market?

Maybe I shouldn't try to peak behind the curtain, but do we have any idea how Andrews can afford to have this offer out there for an extended period of time when the next best CDs are at a meaningfully lower rate? I was wondering that too.. My only explanation was that they want capitalize the CU t...

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