Search found 465 matches

by aqan
Wed Jul 17, 2019 10:54 pm
Forum: Personal Consumer Issues
Topic: Picking up New Subaru-Worth buying extended warranty?
Replies: 58
Views: 15170

Re: Picking up New Subaru-Worth buying extended warranty?

The dealer offered me an extended warranty, tire warranty, key warranty, a ceramic coating option and glass protection. All of this adds up and I've never been a big fan of extended warranties. The guy at the dealer said that everything is so computerized with this car that I should consider it. I ...
by aqan
Wed Jun 12, 2019 4:46 am
Forum: Personal Investments
Topic: How to invest $10,000 for 3 years
Replies: 20
Views: 2352

Re: How to invest $10,000 for 3 years

Blue456 wrote:
Tue Jun 11, 2019 8:43 pm
buhlaxtus wrote:
Tue Jun 11, 2019 8:06 pm
... oh good lord. You have millions in assets and you are nitpicking the return on a 10k 3 year investment? Are you trolling?
I don't have millions in assets. I apologize if I gave you such perception.
I don’t see anything wrong with being a thrifty millionaire.
by aqan
Fri May 31, 2019 6:13 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer
Replies: 59
Views: 5705

Re: Jim Cramer

You’ll be better off shorting cramer. He’s always wrong.
by aqan
Mon May 20, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: What computer to buy for snowbird
Replies: 37
Views: 3128

Re: What computer to buy for snowbird

Surface Book 2 with 16gb ram should work great for you.
by aqan
Tue May 14, 2019 12:57 am
Forum: Investing - Theory, News & General
Topic: Thinking of switching from Vanguard to Schwab Intelligent Portfolios
Replies: 28
Views: 3219

Re: Thinking of switching from Vanguard to Schwab Intelligent Portfolios

I read about it at the my money blog and did some research to get comfortable with the idea. I like the concept of fractional share ownership and the expert portfolios that they offer. I’m in the process of opening an account and will be funding it in two months when my CD matures. From what I remem...
by aqan
Sun May 12, 2019 9:34 am
Forum: Investing - Theory, News & General
Topic: Thinking of switching from Vanguard to Schwab Intelligent Portfolios
Replies: 28
Views: 3219

Re: Thinking of switching from Vanguard to Schwab Intelligent Portfolios

OP You can also consider M1Finance. No fee and minimal cash allocation.
by aqan
Tue Apr 30, 2019 12:46 pm
Forum: Personal Investments
Topic: Biggest Investment Mistake
Replies: 200
Views: 16536

Re: Biggest Investment Mistake

RJC wrote:
Fri Jan 11, 2019 8:57 am
cheese_breath wrote:
Fri Jan 11, 2019 8:55 am
Held onto too much of employer's stock too long.
I'm doing the same right now :(
haha.. me too!! I'm at 7% of my overall portfolio (including restricted stock) planning to ride it out until I get to 15% (3-4 years)... or it might be my biggest investment mistake.
by aqan
Fri Apr 26, 2019 6:20 pm
Forum: Personal Consumer Issues
Topic: Dash cam without wires
Replies: 9
Views: 1128

Re: Dash cam without wires

Wiring is actually surprisingly easy. You just tuck it under the trim, like this: https://www.youtube.com/watch?v=kHGzEgxIwqo&t=73s It can be done without any tools, but a nylon pry bar makes it much easier (< $8): https://www.amazon.com/Konpard-Removal-Molding-Fastener-Remover/dp/B07MQ5RZMX/ If yo...
by aqan
Fri Apr 26, 2019 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: 10 minutes worth $300K?
Replies: 61
Views: 8768

Re: 10 minutes worth $300K?

there has to be a real difference between two towns to justify the $300K difference. Better schools?
by aqan
Sat Apr 20, 2019 7:02 am
Forum: Personal Investments
Topic: Starting daughter's savings plan
Replies: 12
Views: 1000

Re: Starting daughter's savings plan

How about starting with robo advisors and use super aggressive strategy? It may help in downturns.
I’ve heard M1 Finance is free and cool enough for millennials to actually pay some interest:)
by aqan
Thu Mar 28, 2019 4:55 pm
Forum: Investing - Theory, News & General
Topic: Schwab switching to a subscription-based FP in its digital advisory service
Replies: 22
Views: 2881

Schwabflix

[Thread merged into here, see below. --admin LadyGeek] Schwab is introducing a subscription based advisory service. $30/month may not be so bad if you really need someone to keep an eye on your portfolio:) https://www.bloomberg.com/news/articles/2019-03-28/schwab-wants-the-investing-business-to-be-...
by aqan
Mon Mar 11, 2019 9:06 pm
Forum: Investing - Theory, News & General
Topic: My name is _____, & I am a MARKET TIMER.
Replies: 109
Views: 7765

Re: My name is _____, & I am a MARKET TIMER.

Is there an AA group for market timers like myself? Is there a CURE? :? Yup.. just bet big and loose a large chunk of the principal :) you'll never trade again;) Just kidding... I can understand where you're coming from... I personally keep a few thousand dollars in a discount broker account for di...
by aqan
Mon Feb 25, 2019 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Doing taxes first time
Replies: 11
Views: 1054

Re: Doing taxes first time

livesoft wrote:
Mon Feb 25, 2019 6:01 pm
I will be waiting until October. I will file an extension in April and make an upfront estimated payment then for expected taxes due as the instructions for filing an extension explain.

I think everyone should do that.
why not just file now and be done with it?
by aqan
Tue Feb 19, 2019 11:22 am
Forum: Personal Consumer Issues
Topic: Rear ended by drunk driver
Replies: 20
Views: 2511

Re: Rear ended by drunk driver

In my experience, the biggest advantage these days to leasing a vehicle is that you do not have to worry about the loss of value due to an accident on the record. With no injuries, what would you want from the lawyer? Ok, I wasn't aware of that (lost value). I had some concerns there might be extra...
by aqan
Sat Feb 16, 2019 10:11 pm
Forum: Personal Consumer Issues
Topic: using uber versus buying a car
Replies: 54
Views: 3745

Re: using uber versus buying a car

How about buying a used car?
by aqan
Thu Feb 14, 2019 9:09 am
Forum: Personal Investments
Topic: Missed the Boat!!
Replies: 47
Views: 6401

Re: Missed the Boat!!

pnagar wrote:
Wed Feb 13, 2019 10:46 pm
hi greg24,

Yes 60% in different forms of equities, either index, retirement date funds or capital appreciation funds. I thank you for your suggestion.


pnagar
You’re not in a bad spot then. Maybe slightly overweight on the bonds. If I were you I would move some of my bonds to target date fund.
by aqan
Thu Feb 07, 2019 12:38 am
Forum: Personal Consumer Issues
Topic: replacing tires on AWD cars do you have to do all 4
Replies: 83
Views: 4054

Re: replacing tires on AWD cars do you have to do all 4

You're supposed to replace all 4 to avoid wear on the differentials. You can also buy one new tire and have it "shaved" down to the correct diameter but I've never done this. My local flat repair shop sold me a used tire with similar tread as my other 3 for $15 + mounting. I even got the same brand...
by aqan
Wed Feb 06, 2019 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Crazy lady backs into my car...don't think she will pay me out of pocket
Replies: 103
Views: 10063

Re: Crazy lady backs into my car...dont think she will pay me out of pocket

You can make your own agreement with the lady if you choose. From a hassle standpoint, I wouldn't bother. If I were to even consider it, I'd let her know that the insurance company has said they expect that hidden damage will increase the cost, so if she shows up in one hour with $1000 in $20 bills...
by aqan
Sat Jan 26, 2019 6:10 am
Forum: Personal Consumer Issues
Topic: Flying from Atlanta to Pune India
Replies: 12
Views: 910

Re: Flying from Atlanta to Pune India

Anyone ever made this trip? Any ideas about what tp expect? How long does it take? Any advise? is this a business trip or are you traveling for fun? What will you be doing once in Pune? The flight itself could be painfully long, so certainly upgrade to the best class you can afford. I'd also arrang...
by aqan
Wed Jan 23, 2019 2:21 am
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 114
Views: 9128

Re: Electric bill with LED

wilked wrote:
Sun Dec 09, 2018 9:45 pm
If I remember right changing a house full of CFL to a house full of LED might have a payback of about 3-5 years.

Your energy savings will be on the order of $20/month at most
did you mean $2/month? at $20/month the payback will be 3 months.
by aqan
Fri Jan 18, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: Is My Iphone Now a Brick?
Replies: 27
Views: 3162

Re: Is My Iphone Now a Brick?

My mom passed away two months ago and had an iphone6. My father has a flip phone and I've convinced him to enter the smart phone world and have been trying to reformat my mom's old phone. The catch is I know my mom's AppleID but not the password. I tried her standard passwords to no avail and even ...
by aqan
Sun Jan 13, 2019 11:15 pm
Forum: Personal Investments
Topic: How to invest 5k monthly
Replies: 25
Views: 2701

Re: How to invest 5k monthly

Half on the first day of the month and half on the last day of the month seems a bit odd. As it is actually half one day and half the next day. Now half on the 1st and half on the 15th might make some sense if only psychological support - but not the first option. :sharebeer I was about to say the ...
by aqan
Sun Jan 06, 2019 7:43 am
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 274
Views: 24213

Re: $40,000 in debt, bankruptcy seems to be the best option right now

Any chance you/spouse can get a second job? You need additional income to come out of your situation, every little bit will help you greatly.
by aqan
Sat Jan 05, 2019 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 274
Views: 24213

Re: $40,000 in debt, bankruptcy seems to be the best option right now

How much equity do you have in the house? I'd consider selling the house and renting until you get back on the track.
by aqan
Tue Jan 01, 2019 9:22 pm
Forum: Investing - Theory, News & General
Topic: CNN Headline: The Dow finishes off its worst December since the Great Depression
Replies: 15
Views: 2755

Re: CNN Headline: The Dow finishes off its worst December since the Great Depression

I've heard that in other places. Is December a special month or would they still be screaming their lungs out if it were a worst November since great depression?
by aqan
Sun Dec 30, 2018 2:22 pm
Forum: Personal Investments
Topic: Opinions sought $3.5 M Net Worth
Replies: 76
Views: 9304

Re: Opinions sought $3.5 M Net Worth

I'd try living on 130K in 2019, if works go part time on 2020.
by aqan
Thu Dec 27, 2018 11:31 pm
Forum: Investing - Theory, News & General
Topic: QE, massive crash, Dow 3000?
Replies: 39
Views: 6068

Re: QE, massive crash, Dow 3000?

Do you normally find random people on the Internet and then just believe everything they write? Here's what you do: take the author's name and Google it. See what they wrote in 2016 or 2015 or 2010. Does it seem like they consistently make good predictions? Or does it seem like they have a track re...
by aqan
Tue Dec 25, 2018 10:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027129

Re: U.S. stocks in free fall

DanMahowny wrote:
Tue Dec 25, 2018 8:39 pm
What are the robots doing when the market goes up?
which ones?
by aqan
Tue Dec 25, 2018 10:13 pm
Forum: Personal Investments
Topic: As of 12/26, should I be in cash?
Replies: 17
Views: 3705

Re: As of 12/26, should I be in cash?

IBD = Investors Business Daily? Beat the market with individual stocks? 22% down since August? At 64, my exact age also, I am 50% stock index funds and 50% bond index funds. I am down 5.07% for the year and am not considering going to cash. I am guessing you are "all in" on individual stocks and ta...
by aqan
Tue Dec 25, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027129

Re: U.S. stocks in free fall

CULater wrote:
Tue Dec 25, 2018 9:06 am
DOW futures down 700. Could be an ugly Boxing Day.
this is how the rumors start.
by aqan
Mon Dec 24, 2018 4:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027129

Re: U.S. stocks in free fall

Is this a simple correction or has something to do with trade war that's going on? Or perhaps a combination of both, which lead to snowball selling effect? or something more? I guess what I'm trying to ask is WHEN do we usually find out what caused the bear market (ie. When did we find out it was h...
by aqan
Sat Dec 22, 2018 11:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027129

Re: U.S. stocks in free fall

Does anyone here believe that the short term bottom is in or is very close? I know most people here don't believe in market timing but just for the heck of it... I'll go first and say that we're pretty much done falling for now... that market may see some fallout from the govt shutdown (2-3%) but th...
by aqan
Fri Dec 21, 2018 11:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027129

Re: U.S. stocks in free fall

Zigma wrote:
Fri Dec 21, 2018 7:29 pm
I read somewhere that it took 25 years for the DOW to recover from the great depression.
Nikkei peaked at ~39K in 1989 and 29 years later it's only about 50% of that (~20K). so yeah.. its entirely possible.
by aqan
Fri Dec 21, 2018 7:21 pm
Forum: Investing - Theory, News & General
Topic: What will be the low for the S&P 500?
Replies: 87
Views: 8356

Re: What will be the low for the S&P 500?

1750 is when I'll go all in.
by aqan
Mon Dec 17, 2018 8:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027129

Re: U.S. stocks in free fall

I have been buying the dip since October. I purchased a small amount whenever the SP500 drops 1% or more. I stopped doing that today. Not because I don't have the money to, but I feel the market has entered a territory that has no support in near term. I think the next "fun" thing is to guess where...
by aqan
Sat Dec 08, 2018 8:32 am
Forum: Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 12381

Re: 20M Inheritance - What is best option for small/no risk on principle?

I believe brokered CDs of 250k each will do it. I believe that the FDIC limit of $250k still applies to CDs: https://www.fdic.gov/deposit/covered/notinsured.html . So you'd need to buy a lot of different CDs to hold and insure your full amount. I agree with above that I'd want at least some stocks. ...
by aqan
Thu Nov 22, 2018 9:48 pm
Forum: Investing - Theory, News & General
Topic: A bull market with low short term confidence
Replies: 8
Views: 1330

Re: A bull market with low short term confidence

diligentinvestor1994 wrote:
Thu Nov 22, 2018 5:37 pm
We’re in a bull market
Where is this coming from?
Last I heard 50% of the S&P constituents are in bear market territory.
by aqan
Tue Nov 20, 2018 6:58 pm
Forum: Personal Investments
Topic: I was 30% into US stocks.. Down 5.5% YTD. Should I now get back in ?
Replies: 14
Views: 2040

Re: I was 30% into US stocks.. Down 5.5% YTD. Should I now get back in ?

are you just being proactive and rebalancing or using the opportunity to buy the dip? either way you could be catching the falling knife make sure you're in for a long term.
by aqan
Mon Nov 19, 2018 11:23 pm
Forum: Personal Consumer Issues
Topic: When is Too Long to Return a Hair Dryer to Costco?
Replies: 73
Views: 5481

Re: When is Too Long to Return a Hair Dryer to Costco?

Costco is letting people abuse the policy on purpose, they know that customer will feel confident about getting their money back 'no questions asked' and hence will be more likely to buy stuff when they're not sure about it. Some customers will end up keeping stuff they intended to return, increasin...
by aqan
Mon Nov 05, 2018 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Lock mortgage rate at 5%?
Replies: 34
Views: 3958

Re: Lock mortgage rate at 5%?

My wife and I are set to close on our first house in a little over a month. Our lender is offering us the best rate he can offer. Up until last week, the rate was 4.875%. We hadn't locked the rate yet, and it's now moved to 5%. We can lock at 5% now for no charge based upon timing of closing, but w...
by aqan
Mon Nov 05, 2018 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 122
Views: 18903

Re: Are we in trouble?

I feel like we made some bad decisions and are headed for trouble but my spouse thinks we are just in a temporary bad spot and things will get better in 6 to 8 months. Please help me put things in perspective. anything i can do to help our situation. In case you didn't know with 370K in income you'...
by aqan
Fri Nov 02, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: Buy or Lease New Car (Small Business Tax Question)
Replies: 5
Views: 502

Re: Buy or Lease New Car (Small Business Tax Question)

you can lease the car personally and still write off a percentage as a business expense. That should get rid of the higher insurance costs at least.
by aqan
Wed Oct 31, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: Am I Risking My Life to Sell My Car?
Replies: 37
Views: 4929

Re: Am I Risking My Life to Sell My Car?

(2) Drive the car to the nearest mechanic and have the tire replaced. The main positive here is safety. The main negatives as I see it are: (a) I have to pay to buy and install the new tire (not sure what this would cost); (b) if I then take the car to CarMax, I wonder if they will withdraw their a...
by aqan
Sun Oct 28, 2018 11:40 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027129

Re: U.S. stocks in freefall

tennisplyr wrote:
Sun Oct 28, 2018 9:48 am
Haven't looked at my portfolio in over a month...life is good.
Deep down you know its down 6-10%.
JK.. I haven’t either and there’s no reason to at least the end of the year, when I do my yearly check up.
by aqan
Sun Oct 28, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: What A Deal! [Affordable Care Act policy costs]
Replies: 28
Views: 4097

Re: What A Deal! [Affordable Care Act policy costs]

IMO You definitely need the catastrophic coverage for the worst case scenario. If you really don’t need any regular checkups etc, I’d go with the cheapest high deductible plan. If that happens to be 17K, so be it. At least its tax deductible :mrgreen: Another option I’ve heard on this forum is to ge...
by aqan
Thu Oct 25, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 57
Views: 5394

Re: What to do with >$1000 in Amazon credits?

You can buy gift cards and liquidate them or give them as gifts. I saw that Amazon is selling Visa gift cards now. If you can buy those with your credits they can be liquidated as well. Make sure to use the bogleheads referral link so we can keep pretend not to care about the next market crash. Buy...
by aqan
Wed Oct 24, 2018 8:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027129

Re: U.S. stocks in freefall

McGilicutty wrote:
Wed Oct 24, 2018 5:52 pm
DIVE! DIVE! DIVE!

I'm expecting a big whoosh-down a few days from now on Monday. I wish I had more dry powder to deploy but I plan to deploy what I've got at that time.
You can wish all you want but Mr Market always does opposite of common expectations
by aqan
Sun Oct 21, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Stealing ID using only name and SSN
Replies: 16
Views: 1398

Re: Stealing ID using only name and SSN

If my name and SSN are inadvertently given out to an untrusted third party, is it possible to use this information only (without additional information such as address, date of birth, driver license information, etc.) to steal identity or use them for other malicious financial abuses? In this day a...