Search found 121 matches

by emanuel_v19
Mon Dec 11, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Work bonus Tax question
Replies: 5
Views: 445

Work bonus Tax question

Hello all, I received a $1,000 bonus but noticed they taxed about $500. My regular pay checks, bi weekly, get taxed much much lower than $500 and I make more than $1000. Can someone help me understand why I am being taxed so much??? My employer is a private University if that makes any difference.
by emanuel_v19
Tue Dec 05, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Want to sell my Bitcoin, but when?
Replies: 90
Views: 8327

Re: Want to sell my Bitcoin, but when?

I would give my opinion but I am still trying to figure how to sell it!
by emanuel_v19
Sat Nov 25, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Any BLACK FRIDAY deals for Bogleheads?
Replies: 51
Views: 6902

Re: Any BLACK FRIDAY deals for Bogleheads?

runner3081 wrote:
Fri Nov 24, 2017 11:17 am
$7.99 ZTE Maven phone from BestBuy to use with my FreedomPop free LTE card.

Will make a "music anywhere" player.
How can I get this deal!???
by emanuel_v19
Sat Nov 04, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: College student... Financial mess... Need advice...
Replies: 58
Views: 5843

Re: College student... Financial mess... Need advice...

Crudely said, man up and pay the consequences.

I too was in a familiar position back in college but I paid my dues and feel much better now.

Wayyy better in fact :sharebeer

Good luck :happy
by emanuel_v19
Sun Oct 29, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Going to SF, Yosemite and Sacramento and NOW PORTLAND
Replies: 49
Views: 2409

Re: Going to SF, Yosemite and Sacramento and NOW PORTLAND

Nice! I can only speak for SF and this is my tiny suggestion. If you enjoy walking, a small jaunty stroll from Union Square to "Local Edition", a speakeasy bar, will give you a nice intro to a potential long night in the city. After your favorite drink, take a walk to China town and enjoy the scener...
by emanuel_v19
Sun Sep 10, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3124
Views: 919324

Re: What Movie Have You Recently Watched?

TomatoTomahto wrote:
Sun Sep 10, 2017 10:04 am
emanuel_v19 wrote:
Sun Sep 10, 2017 9:03 am
Gattaca. Good 90's movie.
Iirc, this might be the only sci-fi movie I've ever enjoyed.
I agree. A good all-around movie, especially the scene where he explains to his brother how he was able to defeat him in the open water. Good lines through out the movie.
by emanuel_v19
Sun Sep 10, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3124
Views: 919324

Re: What Movie Have You Recently Watched?

Gattaca. Good 90's movie.
by emanuel_v19
Mon Sep 04, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3508

Re: Beginner Mountain Bike

Awesome! Thank you!
by emanuel_v19
Fri Sep 01, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3508

Re: Beginner Mountain Bike

Thank you for all the suggestion. I have made a decision and would really want a hardtail with a lockout front fork if possible. I don't think I need the full suspension. Frankly, I would want the lockout mechanism in the rear shock if I went full suspension but I know that will spike the price whic...
by emanuel_v19
Fri Sep 01, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3508

Re: Beginner Mountain Bike

Wow! So much information to absorb! I will keep reading for sure. I think I will shoot for an LBS unless I find a grand deal on CL, FB or other avenues.
by emanuel_v19
Wed Aug 30, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3508

Re: Beginner Mountain Bike

One other thing I wanted to mention. At the moment I am biking with my Giant Escape and I really enjoy it. Could I possibly transform this bike into a "mountain" bike? Will it be sturdy enough? Maybe just get some bigger tires and tougher wheels? That could save me some money right :happy
by emanuel_v19
Wed Aug 30, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3508

Re: Beginner Mountain Bike

I'd personally forgo the full suspension unless the OP plans are going crazy. I prefer this one for the $600 price range. http://www.bikesdirect.com/products/motobecane/29er-mountain-bikes/fantom-29er-trail-mtb-tcs-xvi.htm With that being said, go to their sister site bikeisland.com and look for a ...
by emanuel_v19
Wed Aug 30, 2017 1:01 am
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3508

Re: Beginner Mountain Bike

Thank you for all the replies! I will look on CL for a used one. I did some deep thinking after reading all the feedback and came to realize I should spend a little less to get my feet wet.
by emanuel_v19
Tue Aug 29, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3508

Beginner Mountain Bike

Good morning, I may want to get into mountain biking and I was trying to see if anyone here can recommend a good starting bike. $600 is my budget for the bike at the moment. Any recommendations? I was considering this bike. Not sure of the components but I would like to find the most bang for the bu...
by emanuel_v19
Thu Aug 24, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Help Painting Wood.
Replies: 15
Views: 1709

Re: Help Painting Wood.

I think water should be good enough but I will experiment with both. I do remember the oil-based stains have a strong odor.
by emanuel_v19
Wed Aug 23, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Would you hire an obese nanny?
Replies: 81
Views: 3418

Re: Would you hire an obese nanny?

Being judged on your looks or waistline is just a reality of life. I don't see a problem with it as long as you are not holding anybody to a standard you don't live up to yourself. Maybe your reality? Certainly not mine. I don't see anything wrong with hiring someone with how they look but everythi...
by emanuel_v19
Tue Aug 22, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: Help Painting Wood.
Replies: 15
Views: 1709

Re: Help Painting Wood.

Gotcha! Thank you. I will try the water-based stains.
by emanuel_v19
Tue Aug 22, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: Used True SUV recommendations
Replies: 18
Views: 1745

Re: Used True SUV recommendations

Toyota Land Cruiser?? or Honda Pilot? My sister has a Honda CR-V and that car has over 300k miles original everything. Now, I assume the Pilot can last longer due to its bigger engine? Perhaps...
by emanuel_v19
Sun Aug 20, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Help Painting Wood.
Replies: 15
Views: 1709

Re: Help Painting Wood.

Wow, I was looking at the colors for the stains and I might go that route instead. I just need to see if the odor is lighter than the usual classic stains they have. Thank you! :happy
by emanuel_v19
Sun Aug 20, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Help Painting Wood.
Replies: 15
Views: 1709

Re: Help Painting Wood.

I would use a semi-solid or solid wood stain made for indoor / outdoor use if you are not going for a specific color. This will penetrate the wood and last for a very long time in my experience. I will be painting them in different colors but I will be staining them as well so that is good to know!
by emanuel_v19
Sun Aug 20, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: Help Painting Wood.
Replies: 15
Views: 1709

Re: Help Painting Wood.

They will not be used for hanging clothes. It will be for a project and it's important that the paint does not chip or stain so easy.
by emanuel_v19
Sat Aug 19, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Help Painting Wood.
Replies: 15
Views: 1709

Help Painting Wood.

Hello all, Does anyone know of some useful links, videos or ideas that demonstrate how to paint birch hardwood? Specifically, these pins. https://www.amazon.com/Honey-Can-Do-DRY-01389-Traditional-Clothespins-100-Pack/dp/B002CH12E2/ref=sr_1_11?ie=UTF8&qid=1503175441&sr=8-11&keywords=clothespins It wi...
by emanuel_v19
Fri Aug 18, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: Folding Electric Bike
Replies: 41
Views: 2815

Re: Folding Electric Bike

I know you are asking for a folding bike but I figured I would post this link just in case you liked their bikes. I don't think they offer folding bikes though??

https://shop.juicedbikes.com/collections/e-bikes
by emanuel_v19
Mon Aug 14, 2017 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: 85/15 too aggressive at age 35?
Replies: 104
Views: 10914

Re: 85/15 too aggressive at age 35?

I think 80/20 is a good balance of risk/return. That is my allocation now but I have read that 5% difference isn't drastically going to kill you or make you any richer..So 85/15 at that age is good but maybe consider changing at 40yrs old? Of course, depending on your particular situation.. emanuel...
by emanuel_v19
Mon Aug 14, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: 85/15 too aggressive at age 35?
Replies: 104
Views: 10914

Re: 85/15 too aggressive at age 35?

I think 80/20 is a good balance of risk/return. That is my allocation now but I have read that 5% difference isn't drastically going to kill you or make you any richer..So 85/15 at that age is good but maybe consider changing at 40yrs old? Of course, depending on your particular situation.. emanuel...
by emanuel_v19
Sat Aug 12, 2017 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: 85/15 too aggressive at age 35?
Replies: 104
Views: 10914

Re: 85/15 too aggressive at age 35?

I think 80/20 is a good balance of risk/return. That is my allocation now but I have read that 5% difference isn't drastically going to kill you or make you any richer..So 85/15 at that age is good but maybe consider changing at 40yrs old? Of course, depending on your particular situation..
by emanuel_v19
Sat Aug 12, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 107
Views: 18649

Re: Best place (with warm weather) to raise children

I've lived in San Jose for 10yrs but work in Palo Alto. I can vouch for being one of the best climates in the States, according to many transplants coming from different parts of the US of A. Housing is tough, I rent. But I think the pros of the silicone valley trump the cons of prices, not just in ...
by emanuel_v19
Wed Aug 02, 2017 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: Help: portfolio choices
Replies: 6
Views: 815

Re: Help: portfolio choices

I can't really chime in as I do not have any knowledge of this but I am hoping someone can come and respond to this topic. I was looking at my sisters 403b plan and this is identical to what I saw. I was a bit skeptical first and I am trying to see what her best options are at the moment.
by emanuel_v19
Thu Jun 29, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: Suzuki V-Strom Negotiation
Replies: 5
Views: 601

Re: Suzuki V-Strom Negotiation

I do prefer local with a private seller but I cannot find one for the same price or same model unfortunately. I will ask if I can pay the OTD price as it stands with cash. Curious to see what they will reply with. :D
by emanuel_v19
Thu Jun 29, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Suzuki V-Strom Negotiation
Replies: 5
Views: 601

Suzuki V-Strom Negotiation

Hello, I want to buy a motorcycle in the next few weeks, possibly a month, and I found the bike I want at my local dealership. It is used and it's priced pretty fairly(I think). However, I was hoping to get some advice on how I can work out a better deal(Hoping to avoid haggle time and avoid extra f...
by emanuel_v19
Wed May 03, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: The Power of Habit
Replies: 15
Views: 3925

Re: The Power of Habit

Smarter Faster Better by Charles Duhigg (follow-up to The Power of Habit ) Triggers by Marshall Goldsmith (more applicable for habits in the workplace) Better than Before by Gretchen Rubin And haven’t read it yet, but hear good things about Grit by Angela Duckworth I will be reading "Smarter Faster...
by emanuel_v19
Sun Apr 30, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: The Power of Habit
Replies: 15
Views: 3925

Re: The Power of Habit

The interesting part of the book is that it gives examples of habits that were applied to many things in life. Tons of information to grasp in fact. For me, on a personal level, I have learned that some of the habits I had, stemmed from my parents past behavior. It doesn't necessarily mean they were...
by emanuel_v19
Sun Apr 30, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: The Power of Habit
Replies: 15
Views: 3925

Re: The Power of Habit

Thank you all! I will need to check those books out for sure.
by emanuel_v19
Fri Apr 28, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: The Power of Habit
Replies: 15
Views: 3925

The Power of Habit

Hello all,

I have been reading the book "The Power of Habit" by Charles Duhigg and it is eye riveting. I have learned a lot so far and it's an interesting book. I was wondering, do any of you know recommend other books that are about the same reading material? Thank you!
by emanuel_v19
Thu Apr 27, 2017 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Investing $1M
Replies: 57
Views: 7416

Re: Investing $1M

How about buying a home in and renting? Possibly in a different country? Just a wild thought...It could be fun too!
by emanuel_v19
Fri Apr 07, 2017 11:44 am
Forum: Investing - Theory, News & General
Topic: one last stupid question [What are "cash equivalents"?]
Replies: 44
Views: 4710

Re: one last stupid question

Hi Me, there is no such thing like a dumb question :happy.
by emanuel_v19
Thu Apr 06, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 28301

Re: Low-earners- What is your profession?

Front desk agent at a Hotel making $40k. I used to compare my income to others but after reading material from the recommended books, self help books and listening to motivational speakers, I am comfortable with my pay. Although I would love to make more money, to invest of course :happy , at the mo...
by emanuel_v19
Wed Apr 05, 2017 9:42 pm
Forum: Personal Consumer Issues
Topic: Lending a scooter to a friend for 3 months
Replies: 19
Views: 1999

Re: Lending a scooter to a friend for 3 months

Will sell and buy back. Thank you all!
by emanuel_v19
Tue Apr 04, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Lending a scooter to a friend for 3 months
Replies: 19
Views: 1999

Re: Lending a scooter to a friend for 3 months

Thank you all. Since I do not have insurance for the scooter anymore, I will just sell it to her and buy it back when she is done with it. I did not have insurance because I am planning to sell it. I wanted to avoid transfer of ownership because she only needs it for 3 months. There are just too man...
by emanuel_v19
Tue Apr 04, 2017 12:17 am
Forum: Personal Consumer Issues
Topic: Lending a scooter to a friend for 3 months
Replies: 19
Views: 1999

Re: Lending a scooter to a friend for 3 months

Yes, the DMV. I figured I could release liability but still have it registered under my name for liability purposes(if this is even legal). Instead of selling the scooter and release liability, I was hoping to just release it without having to sell it to avoid change of ownership cost/sales tax fees.
by emanuel_v19
Mon Apr 03, 2017 11:09 pm
Forum: Personal Consumer Issues
Topic: Lending a scooter to a friend for 3 months
Replies: 19
Views: 1999

Lending a scooter to a friend for 3 months

Hello all, I want to help out my friend by lending her my scooter for 3 months until she goes back to her home country(Italy). I have read the liability issues and insurance problems that may arise if she was to get in an accident. I have been looking for some ways to get around this but I don't thi...
by emanuel_v19
Thu Mar 30, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Guidance on Portfolio setup - New to Investing
Replies: 14
Views: 1408

Re: Guidance on Portfolio setup - New to Investing

I see, thank you! I will need to consider either breaking them down in my 403b now or leaving it alone with Life Strategy until I have enough $$$ to distribute them across the board.
by emanuel_v19
Wed Mar 29, 2017 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Guidance on Portfolio setup - New to Investing
Replies: 14
Views: 1408

Re: Guidance on Portfolio setup - New to Investing

Very informative! :happy
I live in California and wish to retire here but most likely will not. I will be going international most likely or Florida :)
by emanuel_v19
Wed Mar 29, 2017 1:39 pm
Forum: Investing - Theory, News & General
Topic: Life Strategy in Roth
Replies: 6
Views: 1441

Re: Life Strategy in Roth

Very encouraging! :happy
by emanuel_v19
Tue Mar 28, 2017 6:39 pm
Forum: Investing - Theory, News & General
Topic: Life Strategy in Roth
Replies: 6
Views: 1441

Re: Life Strategy in Roth

Thank you all :)
by emanuel_v19
Sun Mar 26, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Guidance on Portfolio setup - New to Investing
Replies: 14
Views: 1408

Re: Guidance on Portfolio setup - New to Investing

Good suggestions and good to see you planning ahead at that age! All these suggestions are good. The only thing I'd say is to go for the longest-dated Target Date fund to start--you're young enough to afford to be aggressive. I'd go with the 2060 fund in the 403b until you have enough to bear down ...
by emanuel_v19
Sun Mar 26, 2017 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Guidance on Portfolio setup - New to Investing
Replies: 14
Views: 1408

Re: Guidance on Portfolio setup - New to Investing

Wow. You have super cheap options in your 403b. You may want to consider having these funds in your 403b: VANG FTSE AW IDX IS (VFWSX) 0.1% (Vanguard FTSE All-World ex-US Index Fund Institutional Shares) - this is an International large cap fund VANG INST INDEX PLUS (VIIIX) 0.02% (Vanguard Instituti...
by emanuel_v19
Sun Mar 26, 2017 3:41 pm
Forum: Investing - Theory, News & General
Topic: Life Strategy in Roth
Replies: 6
Views: 1441

Re: Life Strategy in Roth

Thank you
by emanuel_v19
Fri Mar 24, 2017 9:38 am
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date Funds
Replies: 27
Views: 5922

Re: Vanguard Target Date Funds

Thank you!
by emanuel_v19
Sun Mar 19, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Looking for a snazzy car
Replies: 79
Views: 5735

Re: Looking for a snazzy car

GTI. I owned one for 7yrs and no problems at all. Granted, I was the original buyer, did my own service and didn't drive it hard(kinda regret not ever pushing turbo as much!) It sure is a pocket rocket. The by pass radiator hose blew on me at 160k miles. No biggie and was time for replacement. You w...