Search found 141 matches

by sksbog
Mon Jan 15, 2018 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Jumping in when the market is high
Replies: 24
Views: 1614

Re: Portfolio Advice - Jumping in when the market is high

For retirement accounts, I would stay the course. It's probably going to be untouched for more than 30 years, so i don't even think about market timing. For taxable accounts, if money is not needed for long time ; > 5 years; I would dollar cost average . Divide the money into 24 months ( or 36 or wh...
by sksbog
Mon Jan 15, 2018 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Jumping in when the market is high
Replies: 24
Views: 1614

Re: Portfolio Advice - Jumping in when the market is high

For retirement accounts, I would stay the course. It's probably going to be untouched for more than 30 years, so i don't even think about market timing. For taxable accounts, if money is not needed for long time ; > 5 years; I would dollar cost average . Divide the money into 24 months ( or 36 or wh...
by sksbog
Sun Jan 14, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Favorite Deal Aggregation site?
Replies: 7
Views: 706

Re: Favorite Deal Aggregation site?

I check clarkdeals.com from time to time.
by sksbog
Sat Jan 13, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 1213

Re: Storing Important Documents Online

I wish I could get comfortable with the concept of digital storage for personal information. An event earlier in my career where we had to convert a huge amount of data from one storage format to another has made me skittish. To be able to rely on info stored in digital form you need - media that s...
by sksbog
Sat Jan 13, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 1213

Re: Storing Important Documents Online

I faced this issue recently and, call me paranoid, but I decided that I simply was not comfortable trusting any online method, even after encrypting the information. Do you have a bank safe deposit box? Really want somewhere I can access from anywhere, so I can access in the event I’m traveling and...
by sksbog
Fri Jan 12, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: New Washer - Frontload or HE Top Load
Replies: 57
Views: 7086

Re: New Washer - Frontload or HE Top Load

The the problem I faced with my front load washer is I have to keep the door open otherwise the mold will get develop and it will smell bad.

I would like to have the top load.
by sksbog
Thu Jan 11, 2018 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Need help in selecting funds for 401K
Replies: 13
Views: 854

Re: Need help in selecting funds for 401K

Thanks everyone. this is how i think i will go. Please let me know how this looks. i understand and there is no foreign component here. is there an option i can do or i would need to adjust my IRA to increase foreign allocation. Intermediate-Term Bond Western Asset Core Bond IS 20.00% Inflation-Prot...
by sksbog
Tue Jan 09, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: Help gmail security question
Replies: 27
Views: 1504

Re: Help gmail security question

This is a tuffy.
Can you email/call Google android support and ask?
by sksbog
Thu Jan 04, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Two vastly different career considerations...Stability vs. Income
Replies: 64
Views: 4013

Re: Two vastly different career considerations...Stability vs. Income

Have another thought.

In each job- do you believe in the product?
Would you recommend the product to brothers, sisters , parents and friends?

This will help in your decision making.
by sksbog
Thu Jan 04, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Two vastly different career considerations...Stability vs. Income
Replies: 64
Views: 4013

Re: Two vastly different career considerations...Stability vs. Income

How close is your friend?
Does he have a referral incentive from the company if he get you hired? How much?

Can you try job B for few weeks and still keep option for job A open? That way
If you don't like it you switch.

You can try vice-versa too.
by sksbog
Sat Dec 30, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 131
Views: 10337

Re: Do you meditate?

. . . . . understanding of the mainstream meditation around you these days. Thanks for posting the links. Interesting fellow, Coyne. I feel greatly indebted to him. I was fooled by all the "research" around mediation, almost portraying it as a panacea for stress, cholesterol, immunity, cancer, anyt...
by sksbog
Mon Dec 25, 2017 9:32 pm
Forum: Personal Consumer Issues
Topic: How to use up my FSA account?
Replies: 13
Views: 1160

Re: How to use up my FSA account?

If you have allergies, buy years worth of allergy meds. They are expensive. Like Zertec, Claritin, etc.
I also buy mine and DWs contact lenses.
Pharmacy is also eager to fill any prescription if it's getting due in a few weeks or so.
by sksbog
Sun Dec 24, 2017 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Need help in selecting funds for 401K
Replies: 13
Views: 854

Re: Need help in selecting funds for 401K

75% stocks 25% bonds.
Usual 3 or 4 fund lazy portfolio.
60-40 domestic and international.
by sksbog
Sun Dec 24, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Need help in selecting funds for 401K
Replies: 13
Views: 854

Need help in selecting funds for 401K

I will be eligible for 401 starting Jan 01. This will be traditional and/or Roth 401 K. Below are the choices presented to me by the retirement benefits. Using bogleheads philosophy, what would you pick ? Age: 43 I was thinking American target 2035, but expense ration looks high. Fund Type Fund Name...
by sksbog
Sat Dec 23, 2017 9:11 am
Forum: Investing - Theory, News & General
Topic: How I got to $1.5MM
Replies: 42
Views: 7345

Re: How I got to $1.5MM

bigwood177 wrote:
Fri Dec 22, 2017 11:27 am
stemikger wrote:
Thu Dec 21, 2017 11:33 pm


Congrats!
I've got friends who are still patting themselves on the back for selling at the bottom of the 2009 bear and "not losing everything".
LOL
by sksbog
Fri Dec 22, 2017 6:52 pm
Forum: Investing - Theory, News & General
Topic: Happy New Year. Congratulations on your progress! What success tips do we pass on to others?
Replies: 20
Views: 2124

Re: Happy New Year. Congratulations on your progress! What success tips do we pass on to others?

01) Live well below your means and invest at least 20% of your gross a year. 02) Avoid getting married as it is an uncontrollable risk factor. 03) Target retiring in your mid 40s with a contingency plan of 50 and another contingency of 55. 04) Choose your state of residence carefully. MrPotatoHead ...
by sksbog
Wed Dec 13, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Is it good idea to buy yearly maintenance from HVAC company
Replies: 14
Views: 1542

Is it good idea to buy yearly maintenance from HVAC company

My heat pump malfunctioned.
Now I got two quotes.


$427 with 1 year of membership of 24 dollars a month (270 /yr). Comes with discounts on future repairs and 2 free yearly checkups.

Or

$497 without membership.

I went with 497.
Thoughts?
by sksbog
Mon Dec 11, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless: What are the gotchas?
Replies: 38
Views: 2248

Re: Cricket Wireless: What are the gotchas?

Cricket wireless customer for three years. I love their service.

You can do tethering as long as your phone offers.
WiFi calling if you buy their phone.

I always buy my phone with full price and outside of their store.
by sksbog
Fri Dec 01, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Older Software Engineer Advice ~ Languages?
Replies: 41
Views: 3414

Re: Older Software Engineer Advice ~ Languages?

In my experience, certifications pay a lot of dividends in IT.
whatever you choose to do, language, or cloud or both, keep certification as end goal in mind.
by sksbog
Mon Nov 27, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: I have Microsoft Office 2007. Should I upgrade?
Replies: 37
Views: 1989

Re: I have Microsoft Office 2007. Should I upgrade?

yes, absolutely.
the older versions you have (unsupported) , the more vulnerable you are, for being hacked.
by sksbog
Sun Nov 26, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Are there any unspoken rules to "keep in touch" with previous boss?
Replies: 21
Views: 2632

Are there any unspoken rules to "keep in touch" with previous boss?

When I was leaving my previous job, my boss was very surprised that I am leaving the position. Although, he did not counter offer me the current position, he did repeatedly mentioned to me to "keep in touch" and "let me know in future if you need anything". I did leave the firm, which added 2 hours ...
by sksbog
Sun Nov 12, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 131
Views: 10337

Re: Do you meditate?

Interesting read on mindfulness.
Book: The Mindfulness Edge
Author : Matt Tenney

https://www.amazon.in/Mindfulness-Edge- ... 1119183189
by sksbog
Tue Oct 17, 2017 7:04 pm
Forum: Investing - Theory, News & General
Topic: How to learn about financial statement analysis?
Replies: 31
Views: 3257

Re: How to learn about financial statement analysis?

I learned from this book _- Seeing the big picture by Kevin cope Author takes a case study of a small business being set up by an entrepreneur and keeps expanding it until it becomes an enterprise. At each stage, Kevin details about cash flow and balance sheet and how it looks like. I enjoyed readin...
by sksbog
Sun Sep 17, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 27711

Re: Iphone X is $1000

Excellent time to buy iPhone 6 or 6+ :D
by sksbog
Sat Sep 16, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: Why are so many Chinese visiting my website?
Replies: 24
Views: 5908

Re: Why are so many Chinese visiting my website?

You can block visitors from other continents /regions or countries. Alternatively you can only allow us visitors.

Pm me if you need details on how. I will point you to the documentation from amazon/azure.
by sksbog
Fri Aug 11, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Maxed out 401K now switched job. New employer auto enrolled in 401K.
Replies: 7
Views: 1382

Maxed out 401K now switched job. New employer auto enrolled in 401K.

Hello Bogleheads, Earlier this year, i was afraid of getting laid off. So I aggressively contributed to my 401 K, in order to front load it, just in case I loose my job. Fast forward now, I have contributed max 18K to my 401 with previous employer and started working for a new employer who matches 6...
by sksbog
Tue Aug 08, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 124
Views: 14334

Re: Replace car battery after X years or wait till it dies?

sam's club can check the remaining juice, for free :) Good Luck !
by sksbog
Mon Jul 17, 2017 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Do you guys accept first Job offer or negotiate?
Replies: 26
Views: 2212

Do you guys accept first Job offer or negotiate?

After struggling and trying to switch for past few months, I got couple of job offers. Yeah, lot of hard work, countless hours of studying and phone interviews gone into this. One company, that I am not interested in joining , I will refuse to join. The second company, did a very good first offer ( ...
by sksbog
Sat Jul 08, 2017 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Help me with potential new job situation
Replies: 13
Views: 1147

Re: Help me with potential new job situation

Thanks Everyone ! Lot of good advise for now and to keep notes for future :)
by sksbog
Sat Jul 08, 2017 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Help me with potential new job situation
Replies: 13
Views: 1147

Re: Help me with potential new job situation

Thanks @MutualEdge, CaliJim.

How to respond when the recruiter will say" You seem very much interested when we spoke earlier. Why do you need time? What do you want to think about?"
by sksbog
Fri Jul 07, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Help me with potential new job situation
Replies: 13
Views: 1147

Help me with potential new job situation

After failed attempts to attain meaningful (& interesting) work at my current company, I decided few months ago to look for another job. I started giving many phone interviews and finally secured 3 face-to-face interviews. Coincidentally, these interviews are lined up within a day or two from each o...
by sksbog
Fri Jul 07, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: What do you use to capture/save web pages for archival purposes?
Replies: 9
Views: 863

Re: What do you use to capture/save web pages for archival purposes?

MS OneNote comes default with most newer PCs.
You could send the prinout to OneNote and there it has features to organize the articles you capture.
by sksbog
Mon Jul 03, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Hearing aid help
Replies: 15
Views: 1288

Re: Hearing aid help

I have been using hearing aid from costco for 7 years now. A year ago, I tried to switch to an good audiologist nearby. Let me tell, you, my experience. Most Private audiologists would charge for adjustments and cleaning/consultation. They would give a visit or two free, but not follow-ups and aid-d...
by sksbog
Mon May 15, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 8133

Re: The recent WannaCry ransomware

The march software update from windows have proofed the ransomware. The affected machines had not applied that update.
by sksbog
Fri Apr 21, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Improving my Math Skills
Replies: 27
Views: 3783

Re: Improving my Math Skills

backslash2718 wrote:I'd check out Khan Academy, and watch the videos that you feel you are lacking knowledge in. I watch his videos from time to time.
+1
by sksbog
Mon Apr 10, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Car collision repair advice
Replies: 7
Views: 601

Re: Car collision repair advice

How much are your deductibles? I'm guessing this would be covered under "comprehensive" coverage and not "collision", and the deductible will be lower. I don't know the shops or business climate where you live, but in many trades, you can negotiate a discount by paying cash and not making the shop ...
by sksbog
Mon Apr 10, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Car collision repair advice
Replies: 7
Views: 601

Re: Car collision repair advice

CorradoJr wrote:We need more details:

What make/model/year of the car?
Honda Accord - Sport
by sksbog
Mon Apr 10, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Car collision repair advice
Replies: 7
Views: 601

Car collision repair advice

Fellow Bogleheads, Today when I was about to take my kid to daycare, I or Kid forgot to shut the car door and I backed up in garage. The door is damaged and is not closing. Having said that, last year i had a major claim (car totaled, my fault) and my insurance company has jacked up premiums quite a...
by sksbog
Mon Mar 13, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tax saving question - newbie
Replies: 4
Views: 554

Re: Tax saving question - newbie

sign up for HSA and max it out.
have 529 plan and take classes, go back to school.
produce / adopt kids :) [ btw, I am up for adoption ;)]
by sksbog
Wed Mar 08, 2017 10:35 pm
Forum: Personal Consumer Issues
Topic: Safest way to encrypt pdf tax documents to send via email?
Replies: 40
Views: 4202

Re: Safest way to encrypt pdf tax documents to send via email?

you can use PGP via mailvelope utility,
instructions are here under mailvelope

https://www.nytimes.com/newsgraphics/20 ... n=top-news
by sksbog
Fri Mar 03, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: How to ask back the book I lent to a Director?
Replies: 45
Views: 3571

How to ask back the book I lent to a Director?

Hello Bogleheads, Few months back, actually, its around Thanksgiving last year, I helped a director from a different business unit, a few grades above me. TO help her with team related issues, I helped her with ideas on solutions and also lent her a really nice book for her to read. Since, then I me...
by sksbog
Sun Jan 08, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: Protecting information on cell phone
Replies: 10
Views: 1305

Re: Protecting information on cell phone

i would 1. register with samsung remote, if you have samsung android. if you loose your phone, you can sort of erase remotely, (website claims) 2. use evernote to keep encrypted info. you can deregister the phone in evernote website, in case you loose the phone. I would not focus on "find my phone" ...
by sksbog
Fri Jan 06, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to best afford IVF [In Vitro Fertilization]
Replies: 55
Views: 6540

Re: How to best afford IVF

we used integramed, used 3 tries and fourth one worked.

covers 6 tries with one flat price , 33k or something.

read ur contract carefully, those people are investors. good luck !
by sksbog
Fri Jan 06, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: Virtual Machines for Finances, etc.
Replies: 22
Views: 1978

Re: Virtual Machines for Finances, etc.

which VM software do you use?
by sksbog
Thu Dec 01, 2016 10:39 pm
Forum: Personal Consumer Issues
Topic: Long ethernet cable or wireless?
Replies: 81
Views: 8001

Re: Long ethernet cable or wireless?

Let me cover the two concerns one at a time. 1. security. i agree wired connection is the secure way, if you turn off wireless. period. however, you can expect reasonable security with wireless if you follow standard recommendations like mentioned below. please not that these are just examples not a...
by sksbog
Sun Oct 30, 2016 11:34 am
Forum: Personal Consumer Issues
Topic: Printer/Copier recommendation for home use
Replies: 18
Views: 1980

Re: Printer/Copier recommendation for home use

I have leXmarks black and white Lazer printer for last night 10 years. :D works well with generic cartridge.
by sksbog
Thu Aug 25, 2016 11:08 am
Forum: Personal Consumer Issues
Topic: Four years old spilled dark nail Polish on carpet
Replies: 8
Views: 1559

Four years old spilled dark nail Polish on carpet

My four years old daughter spilled dark nail Polish on carpet. It's pretty bad. Saw some youtube videos but really not sure what really works.
Has anyone of you had such experience before? Please share what worked out for you?
by sksbog
Wed Aug 24, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: AC blower motor died. need replacement
Replies: 20
Views: 1813

Re: AC blower motor died. need replacement

Just found out The air handler in my HVAC has ECM.
by sksbog
Wed Aug 24, 2016 12:54 pm
Forum: Personal Consumer Issues
Topic: AC blower motor died. need replacement
Replies: 20
Views: 1813

Re: AC blower motor died. need replacement

I meant home air conditioner, not automotive.
apologies, for not being clear.