Search found 705 matches

by expat
Tue Feb 21, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiate lowball offer? (new job)
Replies: 47
Views: 4057

Re: Negotiate lowball offer? (new job)

Unless you have a contract that states otherwise, being full time does not mean your job is "permanent" or that there is any security i.e. most likely you can be let go at any time for any or no reason.
by expat
Tue Feb 21, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Negotiate lowball offer? (new job)
Replies: 47
Views: 4057

Re: Negotiate lowball offer? (new job)

>> If I was looking for a new job, I could easily get 52k and as high as 68k with the right fit.

It's really hard to find a good employee. If you think they value you, use this information to negotiate a higher salary.
by expat
Fri Jan 20, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Where to get $100k for home remodel?
Replies: 34
Views: 3839

Re: Where to get $100k for home remodel?

'Buy a better house.
by expat
Wed Jan 18, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: How to improve my income as software lead/manager?
Replies: 52
Views: 5456

Re: How to improve my income as software lead/manager?

JOB stands for Just Over Broke. If you are in software, then you have the ability to build your own internet business.
by expat
Thu Jan 12, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating Hourly Rate for Remote IT Work
Replies: 9
Views: 582

Re: Negotiating Hourly Rate for Remote IT Work

Find out how much they are paying other contractors with similar skills.
by expat
Thu Jan 12, 2017 1:54 am
Forum: Personal Consumer Issues
Topic: France or Switzerland
Replies: 52
Views: 5298

Re: France or Switzerland

traveler90 wrote:A major city in the US is significantly more dangerous than anywhere in France.


You aren't looking hard enough.
by expat
Tue Jan 10, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: Best Ways to Buy Time
Replies: 68
Views: 7614

Re: Best Ways to Buy Time

Buy time for what?
by expat
Tue Jan 10, 2017 3:45 pm
Forum: Investing - Theory, News & General
Topic: Burton Malkiel says "Don't Buy Bonds"
Replies: 48
Views: 9074

Re: Burton Malkiel says "Don't Buy Bonds"

There is no such thing as bad publicity.
by expat
Tue Jan 10, 2017 2:57 am
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 224
Views: 18843

Re: How Bad was 2008, really?

The financial system stopped working and nearly collapsed. So sort of bad.
by expat
Sat Jan 07, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Vacationing in Spain - how to pay for things?
Replies: 42
Views: 3322

Re: Vacationing in Spain - how to pay for things?

The same as in America - Credit Card and ATM.
by expat
Sun Dec 18, 2016 12:39 pm
Forum: Investing - Theory, News & General
Topic: Ellis: "Under 40 years old - 100% in Stocks"
Replies: 54
Views: 5978

Re: Ellis: "Under 40 years old - 100% in Stocks"

why don't they make these pronouncements during bear markets?
by expat
Wed Dec 07, 2016 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement with $8M in investments
Replies: 166
Views: 21623

Re: Retirement with $8M in investments

I have a NW of over 30mm (9mm real estate and 21mm stocks/bonds/cash) and no debt. I'm 51 years old and I would like to retire but I am not yet confident in doing it.


What?
by expat
Thu Dec 01, 2016 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off mortgage?
Replies: 107
Views: 8020

Re: Pay off mortgage?

Lots of people say to pay off the mortgage without giving a good financial reason.
by expat
Tue Nov 22, 2016 11:18 pm
Forum: Personal Consumer Issues
Topic: Owning a Chromebook
Replies: 77
Views: 10035

Re: Owning a Chromebook

Unlike a Windows machine, a Chromebook starts up immediately, is fast, maintenance free and just works. It is hassle free.
by expat
Sun Nov 20, 2016 1:40 pm
Forum: Personal Consumer Issues
Topic: Mom has Office 2013, now wants Outlook
Replies: 12
Views: 1327

Re: Mom has Office 2013, now wants Outlook

Google docs is so much easier.
by expat
Fri Nov 11, 2016 11:21 pm
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 12736

Re: Anybody regretting holding on to your REITS?

No, but the 80% or so drop in 2008 was worrisome.
by expat
Sun Nov 06, 2016 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: 27/m. Wanting to Quit My Job. Any Words of Wisdom?
Replies: 55
Views: 6884

Re: 27/m. Wanting to Quit My Job. Any Words of Wisdom?

poker27 wrote: As a entry/mid level manager I've never quite understood how a boss could be so horrible in a corporate environment.


Really? I can easily.
by expat
Sun Nov 06, 2016 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: 27/m. Wanting to Quit My Job. Any Words of Wisdom?
Replies: 55
Views: 6884

Re: 27/m. Wanting to Quit My Job. Any Words of Wisdom?

Crimsontide wrote:
expat wrote:Assuming you have cash reserves, quit your job and enjoy your youth and freedom while you still have it.


Do not do this... you just need a break to clear your head. I repeat, do not do this...


Too late. I already did this and lived to tell the tale. No regrets.
by expat
Thu Nov 03, 2016 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: 27/m. Wanting to Quit My Job. Any Words of Wisdom?
Replies: 55
Views: 6884

Re: 27/m. Wanting to Quit My Job. Any Words of Wisdom?

Assuming you have cash reserves, quit your job and enjoy your youth and freedom while you still have it.
by expat
Tue Oct 25, 2016 11:03 am
Forum: Personal Consumer Issues
Topic: Declining Service Expectations. Are there any excellent companies still out there?
Replies: 81
Views: 7086

Re: Declining Service Expectations. Are there any excellent companies still out there?

In Europe, the service worker is King and the customer is a nuisance to be dispensed with as quickly as possible.
by expat
Mon Oct 24, 2016 1:17 am
Forum: Personal Consumer Issues
Topic: Microsoft Office
Replies: 34
Views: 5152

Re: Microsoft Office

I haven't used MS office in years. I use Google docs instead.
by expat
Mon Oct 17, 2016 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Money lessons for a 3 year old
Replies: 46
Views: 3334

Re: Money lessons for a 3 year old

way too young.
by expat
Sun Oct 09, 2016 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Percent back from landscaping investment
Replies: 19
Views: 2437

Re: Percent back from landscaping investment

Landscaping did not count as an improvement when refinancing.
by expat
Thu Oct 06, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: The 3 D's: Debt, Dave, Depression (mild)
Replies: 45
Views: 4549

Re: The 3 D's: Debt, Dave, Depression (mild)

Dave Ramsey got overextended to the point where he considered suicide for the life insurance money.


I read the bio on his web site and his personal story is not clear at all Hasn't he heard about bankruptcy laws??
by expat
Wed Oct 05, 2016 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: The 3 D's: Debt, Dave, Depression (mild)
Replies: 45
Views: 4549

Re: The 3 D's: Debt, Dave, Depression (mild)

I still don't get Dave Ramsey or the appeal of his radio show or his obsession with staying out of all debt. Obviously, credit card debt is bad but other types of debt can be a good idea. I assume his show is for people who have overspent using credit cards.
by expat
Wed Oct 05, 2016 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: What's going on with REITS this week?
Replies: 26
Views: 4297

Re: What's going on with REITS this week?

No clue. Time to buy more.
by expat
Thu Sep 29, 2016 1:37 am
Forum: Investing - Theory, News & General
Topic: Has anyone been tempted to buy AMZN?
Replies: 77
Views: 5594

Re: Has anyone been tempted to buy AMZN?

You bought AMZN when you bought VTSMX.

And AMZN is currently sixth largest holding in VTSMX.

https://personal.vanguard.com/us/funds/ ... =INT#tab=2
by expat
Sat Sep 24, 2016 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Milestone Today - $1.5M
Replies: 128
Views: 18389

Re: Net Worth Milestone Today - $1.5M

It's not a gain until you sell.
by expat
Wed Sep 14, 2016 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: What details about personal finance do you share with your kids?
Replies: 20
Views: 1870

Re: What details about personal finance do you share with your kids?

I don't think money should be a mystery to children. So I decided to answer their questions. If parents won't teach them, who will?
by expat
Sun Sep 11, 2016 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Help disputing a medical bill
Replies: 5
Views: 989

Re: Help disputing a medical bill

No bill, no payment. What's the worst the could happen?
by expat
Thu Sep 08, 2016 2:16 pm
Forum: Personal Consumer Issues
Topic: Water turned off in building-urgent! [Problem Resolved]
Replies: 39
Views: 2609

Re: Water turned off in building-urgent!

Move into a hotel and deduct the cost from the next month's rent.
by expat
Tue Aug 30, 2016 12:02 pm
Forum: Investing - Theory, News & General
Topic: Rich Dad/Poor Dad Assets
Replies: 57
Views: 6856

Re: Rich Dad/Poor Dad Assets

John T. Reed : Don't buy Kiyosaki's books. Buy my books instead! :oops:
by expat
Thu Aug 18, 2016 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 304
Views: 46000

Re: Self-made Millionaires: how did hitting 7 figures change you?

It's not net worth but how much income is produced. Let's say 1 million produces 40K in annual income. That is nothing in a high cost of living area.
by expat
Wed Aug 17, 2016 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Help. My boss is expecting me to read her mind.
Replies: 53
Views: 4102

Re: Help. My boss is expecting me to read her mind.

If in doubt, I would put the full name followed by the acronym.

And use a site like this to see how many meanings there were for an acronym - http://www.acronymfinder.com/
by expat
Wed Aug 17, 2016 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Help - How to deposit a check without endorsement?
Replies: 37
Views: 4469

Re: Help - How to deposit a check without endorsement?

I deposit unendorsed checks into other people's accounts (family, friends, vendors, etc) all the time. Walk up to the counter with the account name and number, they'll use a stamp to endorse the back, and that's it. Might be easiest to have the checks sent to someone in the states that is will to d...
by expat
Wed Aug 17, 2016 11:29 am
Forum: Investing - Theory, News & General
Topic: Why are bonds taxed more than stocks?
Replies: 29
Views: 3888

Re: Why are bonds taxed more than stocks?

Municipal bonds are not taxed more than stocks.
by expat
Mon Aug 15, 2016 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 304
Views: 46000

Re: Self-made Millionaires: how did hitting 7 figures change you?

If it's in the stock market, it is only a paper gain anyway. :happy
by expat
Fri Jul 29, 2016 11:12 pm
Forum: Investing - Theory, News & General
Topic: Stock Screeners
Replies: 68
Views: 4160

Re: Stock Screeners

I don't screen any stocks but if I did.

https://www.google.com/finance/stockscreener
by expat
Fri Jul 29, 2016 10:38 am
Forum: Personal Consumer Issues
Topic: Interview in Silicon Valley - Suit?
Replies: 95
Views: 6885

Re: Interview in Silicon Valley - Suit?

What is the culture of the company? In general, no suits for a technical position. It may disqualify you even.
by expat
Wed Jul 27, 2016 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: 20% In REITS?
Replies: 45
Views: 4272

Re: 20% In REITS?

FWIW. my ISP says I should be at 16 percent but I am actually at 17 percent.
by expat
Sun Jul 10, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: How Does Vanguard "Remember" My Computer?
Replies: 41
Views: 3546

Re: How Does Vanguard "Remember" My Computer?

Try unchecking this option

Continue running background apps when Google Chrome is closed

Under Settings | Advanced | System section.
by expat
Mon Jul 04, 2016 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a million dollar house?
Replies: 85
Views: 9786

Re: Can I afford a million dollar house?

There is no reason why a single young person should buy a house unless they want to be tied down to a neighborhood for the next 7-10 years. This is a horrible decision. Rent and save money. Reevaluate when you are married and have a child on the way. Why is it you want to own a house so badly? What...
by expat
Wed Jun 29, 2016 12:42 pm
Forum: Personal Consumer Issues
Topic: How best to take little kids sightseeing?
Replies: 37
Views: 2776

Re: How best to take little kids sightseeing?

>> How best to take little kids sightseeing?

Forget sightseeing. I would reorient your trip towards kid activities - swimming, playgrounds, amusement parks, zoos.

For example, for Vienna, I would go here.
http://www.praterwien.com/en/home/
by expat
Tue Jun 28, 2016 12:49 pm
Forum: Investing - Theory, News & General
Topic: For those that "buy" during stock market downturns...
Replies: 158
Views: 11515

Re: For those that "buy" during stock market downturns...

After investing 20 percent of gross income and after spending, there is some cash left over that accumulates. I use that to buy.
by expat
Sat Jun 25, 2016 3:41 pm
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 13141

Re: What did you learn from the post-Brexit bloodbath?

I learned that people get worked up very easily.
by expat
Fri Jun 24, 2016 6:20 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Total International] ETF currently down 7.09% - Time to sell?
Replies: 39
Views: 4577

Re: VXUS time to sell?

Buy a stock, if it goes up, sell it, if it goes down, don't buy it.

--Yogi Berra

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