Search found 1277 matches

by harrychan
Wed Aug 16, 2017 4:51 pm
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 98
Views: 13700

Re: Revealing Usernames

First two names that came up when I was generating a username. It has zero meaning or association to myself.
by harrychan
Sat Aug 12, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: buying a rental property vs investing more in stocks
Replies: 26
Views: 2587

Re: buying a rental property vs investing more in stocks

Numbers don't work out in your situation in my view. It's too much eggs in one basket and too many things can go wrong (deadbeat renter, earthquake, tech crash). I love me some investment property but only if you can afford to pay cash and not flinch. Otherwise, you can get much better return with $...
by harrychan
Sat Aug 12, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Career Decision - HCOL area vs. LCOL area
Replies: 13
Views: 1381

Re: Career Decision - HCOL area vs. LCOL area

As you have identified, this is not as simple as a HCOL vs LCOL decision. I live in a HCOL area and live a quality life with little to no debt because we budget. I have a friend that constantly brag about how life is in his MN ranch. I can outright buy out his ranch with the equity I have in my home...
by harrychan
Fri Aug 11, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Feeling guilty about travel expenses
Replies: 25
Views: 2989

Re: Feeling guilty about travel expenses

I'll be the one to say it. 30% of your take home pay of €29000 is too much to spend on travel. Get it over with this year and try to get yourself a little more frugal next year. This. It is so tempting to keep up with the Jones. It is a saying Americans use as a euphemism when someone is spending m...
by harrychan
Tue Aug 08, 2017 6:07 am
Forum: Personal Consumer Issues
Topic: Buy Google Pixel mobile now or wait for Pixel 2
Replies: 28
Views: 2218

Re: Buy Google Pixel mobile now or wait for Pixel 2

If you can't wait and want a good budget android device, get the one plus 5.im using it now after 3 years with the one plus one.
by harrychan
Sat Jul 22, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: Career Advice
Replies: 19
Views: 1581

Re: Career Advice

Initially, I thought teaching for sure but after rereading your post, I would go to the megacorp for 3-4 more years then go teaching. I think you have too much in you to 'settle' for a part time teaching job. It also sounds like the teaching job will be there. Alternative may be to go part time / co...
by harrychan
Sat Jul 15, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Urgent 1st world problem [coffeemaker]
Replies: 48
Views: 3338

Re: Urgent 1st world problem [coffeemaker]

I tried many coffee makers and ultimately settled on using an aeropress for my daily brewing. Economical and great taste.
by harrychan
Mon Jul 10, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Having someone else pay our mortgage
Replies: 13
Views: 2567

Re: Having someone else pay our mortgage

Seems like you made the right decision. The only exception would be if you had the cash to buy the future house outright but then it wouldn't be mortgage :)
by harrychan
Mon Jul 10, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 12331

Re: How did you handle the costs of your child's wedding?

Our kids are about your age. We haven't thought about paying for their wedding but from the rate we are saving with boglehead mentality, we would be in good shape to support them as needed. For our own wedding, my great uncle from my dad's side gifted us gold coins and my FIL gifted us stocks. 4 yea...
by harrychan
Fri Jul 07, 2017 12:12 am
Forum: Personal Consumer Issues
Topic: Task management / organizing app
Replies: 52
Views: 2052

Re: Task management / organizing app

I use evernote for my personal notes and to do lists which can sync across devices.
For lists such as shopping, I use alexa app which integrates into my echo devices.
by harrychan
Tue Jul 04, 2017 7:47 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Pixel?
Replies: 46
Views: 4256

Re: Anyone bought a Pixel?

I passed by the Pixel and got the recently launched One Plus 5. Despite all the criticism it is receiving, it is a great phone for a fraction of the cost of a Samsung Galaxy S8 or iphone 7+. I haven't had any issues and very happy with the purchase. I've used the One Plus One for 2.5 years.
by harrychan
Tue Jul 04, 2017 7:44 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 11283

Re: What do you splurge on?

I get a full body massage once every 2-3 weeks. My wife's splurge is the cleaning lady who comes twice a month. She does a fantastic job!
by harrychan
Tue Jul 04, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: UberX or UberXL??
Replies: 15
Views: 1466

Re: UberX or UberXL??

Go UberXL. It will at least assure you a 7 seater. I usually compare between uber and lyft and choose between the two that gives me the best price. If you are anxious, just give uber a try to go to run an errand or something just to get a feel of everything.
by harrychan
Tue Jul 04, 2017 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon FBA Seller
Replies: 9
Views: 1306

Re: Amazon FBA Seller

Ever wonder how Amazon makes money from Prime members offering free shipping? The sellers foot the bill. The fees associated with FBA is so atrocious that you need a really high margin in order to make any money. For a lot of small potato sellers, it simply isn't worth it. I currently consult for a ...
by harrychan
Tue Jul 04, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: When to leave a job?
Replies: 11
Views: 1929

Re: When to leave a job?

I got out. I am about a decade younger than you. I was a network engineer who eventually become team lead and then manager. Initially, I was managing network engineers across the US and Europe who were soon replaced by engineers in India where the salary is 1/4 that of direct hires. Calculate benefi...
by harrychan
Sat Jul 01, 2017 1:35 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 13558

Re: Sam's Club vs. Costco

We have a Sam's and Costco across the street from each other (more or less). We went with Sam's for 2 main reasons. 1) Crowds - Always much slower at Sam's with plenty of checkout folks around. Hardly every a wait. Costco, well, it is a disaster, and I am not a fan of paying for the privilege of wa...
by harrychan
Fri Jun 30, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo vs. Google Home: which to get?
Replies: 41
Views: 2868

Re: Amazon Echo vs. Google Home: which to get?

I have Echo and Echo dot. It works for me as I mainly use it to listen to pandora, link it with my honeywell home thermostat and to manage calendar and shopping or to do lists. The major up GH have on AE is search. If you will use the device to ask a lot of wiki type questions then get the Home. If ...
by harrychan
Mon Jun 26, 2017 11:59 pm
Forum: Personal Consumer Issues
Topic: California Vehicle - lien holder issue?
Replies: 3
Views: 358

Re: California Vehicle - lien holder issue?

Contact Toyota Financial. Tell them the situation. They should be able to find information from your VIN number that it has been paid off. They will then issue a new pink slip without a lien.
by harrychan
Sun Jun 25, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: Buy condo at Trump Tower Chicago a good deal?
Replies: 24
Views: 3476

Re: Buy condo at Trump Tower Chicago a good deal?

From an outsider perspective, I would wait to buy anything in Chicago.

http://thehill.com/blogs/blog-briefing- ... ed-to-junk
by harrychan
Sun Jun 25, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Can we/should we afford a $2M house?
Replies: 93
Views: 12526

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

Congrats on the success OP. The only feedback I can give is to account for delays in construction and cost for options and upgrades for your home. Just because you get to choose on materials and design, you will find that the developer will upsell you on everything way above market. And even so, you...
by harrychan
Sat Jun 24, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Bay Area housing
Replies: 69
Views: 5948

Re: Bay Area housing

We were in the same shoes except in SoCal and 10 years ago. Prices didn't make sense where condos were selling for $550k. We saw the dip and pulled the trigger. What helped was we bought a house that we knew we could stay in long term and that a 10-20% market dip couldn't bother us. The prices kept ...
by harrychan
Thu Jun 22, 2017 10:37 pm
Forum: Forum Issues and Administration
Topic: Amazon link
Replies: 1
Views: 439

Re: Amazon link

No. The point is by using the amazon link on this page, a small % of all referrals from your purchase will help with the expense of running this forum. Amazon Smile is Amazon's attempt at minimizing that cost by claiming they donate to your charity but in fact they are simply taking away referrals f...
by harrychan
Thu Jun 22, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: New Baby - Wife stay at home for 1 year?
Replies: 48
Views: 4256

Re: New Baby - Wife stay at home for 1 year?

Also in CA and the wife decided to stay at home for 2 years. Similar income. No regrets. It took a bit for her to find a job but it was fine. Now happily employed. She will likely quit when I can make a bit more (maybe $20-40k) which I expect in about 3-4 years.
by harrychan
Sun Jun 18, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Poaching chicken
Replies: 51
Views: 4308

Re: Poaching chicken

Forget cooking them. Buy the cooked rotisserie chicken meat they have at Costco the same day and repackage them. They will already be shredded and the salad person can just toss them in. If asked, just fess up that you are vegetarian and have never cooked chicken. Poaching a single chicken breast is...
by harrychan
Sun Jun 18, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone into real estate investing here?
Replies: 9
Views: 699

Re: Anyone into real estate investing here?

At one point I invested in a 4-plex near a university with a colleague. After maybe 2-3 years we sold it. The truth with real estate investing is it is based on the locality of the property. Around here, a HCOL area, you need a lot of capital to purchase a home that you think would appreciate. Other...
by harrychan
Sat Jun 17, 2017 10:01 pm
Forum: Personal Consumer Issues
Topic: Car purchase Vs. car leasing
Replies: 11
Views: 1461

Re: Car purchase Vs. car leasing

If you are purely looking at financial aspect, the best deal is to buy a 2-3 year old car where it has depreciated but still under factory warranty.
by harrychan
Wed Jun 14, 2017 11:43 pm
Forum: Personal Consumer Issues
Topic: To buy or not to buy and move?
Replies: 19
Views: 1529

Re: To buy or not to buy and move?

For me its a no brainer, move. I've been separated from my parents since I was 17 and I wish they were 10 min away. Now my kids are growing up without knowing their grandparents. They only know them through facetime / skype.
by harrychan
Sat Jun 10, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 8495

Re: College admissions question - she got a "C"

From my experience mentoring recent HS graduates, top tier colleges look for students who can demonstrate success in different arenas. Example: I've seen kids who appear to be comparable in terms of GPA, SAT, ACT scores but one would get into an elite school while the other wouldn't. If you look dee...
by harrychan
Thu Jun 08, 2017 10:01 pm
Forum: Investing - Theory, News & General
Topic: Does anyone feel they missed out on AMZN, NFLX,TSLA?
Replies: 103
Views: 7136

Re: Does anyone feel they missed out on AMZN, NFLX,TSLA?

My wife bought AMZN and FB early. Reaping some nice returns. I bought AAPL when it was $100. It dropped down to I think $60 (?) and when it went back to $100I sold :oops:
by harrychan
Tue Jun 06, 2017 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Housing is too expensive.
Replies: 49
Views: 6516

Re: Housing is too expensive.

Too much risk associated with single income and too little in your retirement accounts. Can you make a compromise in an area where the school district is not the best but decent and home prices around the $550k mark? Here in SoCal, the best school districts are ultra competitive and can backfire if ...
by harrychan
Mon Jun 05, 2017 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: I'm considering buying a house in the $800k range.. can I?
Replies: 67
Views: 6567

Re: I'm considering buying a house in the $800k range.. can I?

You are right in that you can afford it. We are somewhat in a similar situation. We bought our house for $600k. My wife has been itching to do a remodel which would require us to take a home equity loan of roughly $200k. Can we afford it? Sure. The main question for us is are we willing to delay ret...
by harrychan
Sun Jun 04, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting
Replies: 47
Views: 3464

Re: Budgeting

Dave Ramsey encourages that people learn to budget first to control yourself and let the math do the rest. He built a great free platform called EveryDollar to do just that with your entire expected income on the first of the month. m "And now to conclude, experience keeps a dear school, but f...
by harrychan
Wed May 31, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: Car engine dispute
Replies: 29
Views: 2782

Re: Car engine dispute

You can try to raise a case with BBB. I've had success through there majority of the time I had a dispute with a large corp.
by harrychan
Mon May 29, 2017 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Pay Debt or invest with my Unique situation. Help!
Replies: 23
Views: 2114

Re: Pay Debt or invest with my Unique situation. Help!

Contribute 401k up to the match and squeeze in anything you can towards the student loan. Rice and beans!
by harrychan
Mon May 29, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Just realized I have been doing wrong my whole life financially.
Replies: 10
Views: 3078

Re: Just realized I have been doing wrong my whole life financially.

I did a handful of side hustle when my wife decided to stay at home. Most of it were active side hustle (consulting, uber) and one passive (bloggin). Ultimately, I found a new job that paid 40% more and I stopped all of the active side hustles.
by harrychan
Sat May 27, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 52
Views: 4579

Re: Mexican Pacific Beaches

We stayed at the Westin at Cabo San Lucas and you could not enter the ocean due to the large current. I think a lot of beaches were in that category. They did have really nice pools though. Just keep in mind pretty much every local that is extra ordinary friendly to you is likely trying to get you i...
by harrychan
Sat May 27, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Havings twins
Replies: 24
Views: 2470

Re: Havings twins

3- Don't feel bad about getting certain things hand-me-down and second hand. Contrary to all the scare tactic marketing you will be bombarded with a lightly used crib will NOT harm your child and this is a good way to manage the double expenses of twins. 5 - Be ready to offer a LOT of support to yo...
by harrychan
Wed May 24, 2017 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Guidance needed, at a crossroads in my current job.
Replies: 23
Views: 2663

Re: Guidance needed, at a crossroads in my current job.

Press for that 1 year review. Speak in person then write an email to remind them. If you don't get anywhere near where you feel your market is, use your latest accomplishment and QUANTIFY your accomplishment on your resume and cover letter and jump ship.
by harrychan
Mon May 22, 2017 12:55 am
Forum: Personal Consumer Issues
Topic: Sell 2015 Subaru or Keep?
Replies: 71
Views: 6085

Re: Sell 2015 Subaru or Keep?

No brainer. Keep it. You already took the hit on the depreciation. A car should never be thought of as an investment alternative. It is a utility and leave it as that.
by harrychan
Sun May 07, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Career/job question
Replies: 8
Views: 937

Re: Career/job question

Have you talked to either of the senior guys to express your concerns?
by harrychan
Sun May 07, 2017 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Buying vacation home
Replies: 29
Views: 3711

Re: Buying vacation home

I think you still owe too much on your primary to consider buying a vacation home.
by harrychan
Sun May 07, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: Seattle and Vancouver with kids
Replies: 19
Views: 1385

Re: Seattle and Vancouver with kids

My wife and I did that exact same trip late last year but w/o our kids. If you will have a car the entire time then I would recommend staying at Bellevue during your stay in Seattle. There may be traffic going into Seattle during rush hours but a late start wouldn't be a problem. I would recommend t...
by harrychan
Sun May 07, 2017 10:30 pm
Forum: Investing - Theory, News & General
Topic: Can 8% rental income help my Early Retirement?
Replies: 35
Views: 3419

Re: Can 8% rental income help my Early Retirement?

My DF has similar views as her parents been retired since their early 40's because of their real estate holdings in SE Asia. Personally, I would be concerned of having to deal with managing the rentals and renters. You can bring in a management agency but that will eat into your cash flow. There is ...
by harrychan
Sun May 07, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Stay home with kids?
Replies: 103
Views: 8203

Re: Stay home with kids?

My wife just went through this. She stayed home for 2 years and we had to put a pretty strict budget together and follow it. Recently she went back to work as the kiddos are now in grade school. From hearing your wife's background and expertise, it sounds like she can easily get back into the indust...
by harrychan
Sat May 06, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Job Decision
Replies: 53
Views: 4063

Re: Job Decision

If I were in your position, I would lean towards not taking the offer but I need to know more about your marketability before really being assured. That is only something you can gauge. Coastal cities are not cheap and the competition is fierce. I'm also an immigrant but have never been unemployed. ...
by harrychan
Tue May 02, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Buying a diamond ring
Replies: 57
Views: 3788

Re: Buying a diamond ring

I bought mine through a relative who knew a diamond broker. I got a diamond that was GIA certified. I could've bought a ring that was bigger in size that wasn't GIA certified. My wife has received comments more than she can count that her diamond shines more than their own. :sharebeer