Search found 106 matches

by emanuel_v19
Wed Aug 23, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Would you hire an obese nanny?
Replies: 81
Views: 2044

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: 11
Views: 1045

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: 15
Views: 1011

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: 11
Views: 1045

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: 11
Views: 1045

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: 11
Views: 1045

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: 11
Views: 1045

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: 37
Views: 1979

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: 89
Views: 7872

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: 89
Views: 7872

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: 89
Views: 7872

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: 106
Views: 16548

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: 754

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: 524

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: 524

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: 3709

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 F...
by emanuel_v19
Sun Apr 30, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: The Power of Habit
Replies: 15
Views: 3709

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: 3709

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: 3709

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: 6956

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: 4494

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: 26374

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 , at the moment I ...
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: 1877

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: 1877

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: 1877

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: 1877

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: 1251

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: 1251

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: 1358

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: 1358

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: 1251

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: 1251

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: 1358

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: 5629

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: 5250

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...
by emanuel_v19
Sat Mar 18, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: Life Strategy in Roth
Replies: 6
Views: 1358

Life Strategy in Roth

Hello, I have bought the Life Strategy fund and hoping for the best long term! Anyway, I will be transferring funds from the settlement account(Money Market Account) to the Life Strategy fund. However, it is giving me the option to reinvest dividends and capital gains to: Money Market account OR Lif...
by emanuel_v19
Sat Mar 18, 2017 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Buying Struggle
Replies: 6
Views: 1124

Re: Vanguard Buying Struggle

Got it, Thank you all.
by emanuel_v19
Sat Mar 18, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Buying Struggle
Replies: 6
Views: 1124

Re: Vanguard Buying Struggle

I apologize not to be clear. I know which Strategy Life Fund I want, I just need to find out how to buy it from my settlement account. Ill contact Vanguard Monday If I can't figure it out by then. Thank you!
by emanuel_v19
Sat Mar 18, 2017 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Buying Struggle
Replies: 6
Views: 1124

Vanguard Buying Struggle

Hello all,

I am struggling to find how I can select the Life Strategy fund for my Roth IRA at Vanguard. I am in the settlement account at the moment but want to move it to the Life Strategy fund. :confused
by emanuel_v19
Fri Mar 17, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Guidance on Portfolio setup - New to Investing
Replies: 14
Views: 1251

Re: Guidance on Portfolio setup - New to Investing

It looks like you are on the way to a good place. Target date funds are a great way to get going until you have lots more to spread into its components. Choose the date based on the % bonds you want, a near date may be closer to what you prefer. When you have at least 3k in Roth, you could change t...
by emanuel_v19
Fri Mar 17, 2017 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Guidance on Portfolio setup - New to Investing
Replies: 14
Views: 1251

Re: Guidance on Portfolio setup - New to Investing

With your debt can you maximize payments towards the loans with the highest interest rate? Or are your payments applied equally to all four student loans? Yes, I am paying off the highest first What account do you have your emergency funds in? Is it in a interesting bearing account? It is in a chec...
by emanuel_v19
Fri Mar 17, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Guidance on Portfolio setup - New to Investing
Replies: 14
Views: 1251

Guidance on Portfolio setup - New to Investing

Hello all, I have been reading many posts this year with the hopes of learning a little bit about investing. I admire all the knowledge that goes on this forum and the time that devoted from all members. Time is money for many! Here is my current situation. Forgive me if I missed something or seem c...
by emanuel_v19
Thu Mar 16, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Buying a rental car.. Any new experience?
Replies: 76
Views: 5929

Re: Buying a rental car.. Any new experience?

I think most rental cars do get abused and I avoid them as much possible. However, if you are mechanically inclined, go for it. Anything is fixable with some time and some tools!
by emanuel_v19
Wed Mar 15, 2017 11:44 pm
Forum: Investing - Theory, News & General
Topic: Investment books I have read.
Replies: 55
Views: 11564

Re: Investment books I have read.

Wow! Very Impressive
by emanuel_v19
Wed Mar 15, 2017 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 contributions before tax deadline. Confused!
Replies: 7
Views: 635

Re: 2016 contributions before tax deadline. Confused!

Of course, only traditional. I misread. Thank you
by emanuel_v19
Wed Mar 15, 2017 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 contributions before tax deadline. Confused!
Replies: 7
Views: 635

Re: 2016 contributions before tax deadline. Confused!

Whoah! Something new I didn't know. So at the moment I have the settlement account in my Roth IRA and have made some contributions since the end of last year and all this year. Do I still qualify for this deduction?
by emanuel_v19
Wed Mar 15, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 contributions before tax deadline. Confused!
Replies: 7
Views: 635

Re: 2016 contributions before tax deadline. Confused!

I see. I currently have a Roth IRA. Thank you!
by emanuel_v19
Wed Mar 15, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 contributions before tax deadline. Confused!
Replies: 7
Views: 635

2016 contributions before tax deadline. Confused!

Hello all,

I have a super newb question. Do I have until the tax filing deadline this year(April 18) to make contributions on my 403 for 2016? If so, can I deduct the contributions for my 2016 taxes? I am trying to minimize my taxable income but a bit confused :confused

Thank you
by emanuel_v19
Wed Mar 15, 2017 12:05 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Fund Date has Passed-Question
Replies: 8
Views: 869

Re: Retirement Fund Date has Passed-Question

I am also interested. Based on this, would there be a fee to change to a TR 2025 or TR 2035 or some other TR date? And assuming you have the fund in a tax-deferred account and there are no Life Strategy options, how do you go about avoiding the asset allocation changes in the TR? Do you keep bumping...
by emanuel_v19
Sat Mar 11, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Mexico 3rd week in June?
Replies: 16
Views: 1391

Re: Mexico 3rd week in June?

I like traveling whenever the sun is out. The weather makes it or breaks it for me. That is a "thumbs down" due to dates? Not sure of the dates and how the weather turns out. June in my state(Jalisco) is "rainy" season but Mexico City might be a bit different. I am going in Apri...