Search found 424 matches

by aqan
Mon Nov 05, 2018 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Lock mortgage rate at 5%?
Replies: 34
Views: 3699

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: 106
Views: 12647

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: 440

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: 4657

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 freefall
Replies: 7814
Views: 1605432

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: 3990

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: 5187

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 freefall
Replies: 7814
Views: 1605432

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: 1348

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...
by aqan
Sat Oct 20, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: What if your risk tolerance is lower than what's best for your portfolio?
Replies: 51
Views: 3910

Re: What if your risk tolerance is lower than what's best for your portfolio?

I keep hearing about bond market bubble, so not sure if increasing bond allocation will give much relief either. Unless you’re thinking about CD or T-Bills.
by aqan
Sat Oct 20, 2018 9:02 am
Forum: Investing - Theory, News & General
Topic: Protecting large sums of cash.
Replies: 30
Views: 3996

Re: Protecting large sums of cash.

This topic keeps coming up here a lot. Just wondering when was the last time someone actually needed FDIC protection?
Don’t flame me, I’m not saying you should not care about it, just trying to put a perspective in my head.
by aqan
Fri Oct 19, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: Selling to CarMax if maintenance light is on?
Replies: 33
Views: 3016

Re: Selling to CarMax if maintenance lights on?

[post removed by admin LadyGeek]
there it is.. I was looking for this comment as I was reading down the thread.

BTW OP. I sold my 2000 Accord EX at blue book value for $3500. It had 90K miles on it and was in pretty good condition. this may give you some benchmark of what to expect.
by aqan
Sun Oct 14, 2018 1:47 am
Forum: Investing - Help with Personal Investments
Topic: $50,000: Should I buy now or wait for the market to drop further?
Replies: 43
Views: 7083

Re: $50,000: Should I buy now or wait for the market to drop further?

Btw, there is also no harm in leaving your cash in a money market fund earning over 2% while you figure this out... that's what I would do too. No one knows if market is going to drop or go up.. but no harm in waiting for a few days to let the dust settle down if you're unsure. DCA would be a good ...
by aqan
Sat Oct 13, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Drop in MPG (09 Civic)
Replies: 24
Views: 1386

Re: Drop in MPG (09 Civic)

Those are some really good tips. Although I don’t have this issue but it’s a good knowledge that can come handy anytime. This is why I love this forum.
by aqan
Wed Oct 10, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: Google's Titan Key for 2fa
Replies: 23
Views: 2140

Re: Google's Titan Key for 2fa

If you leave the key plugged in all the time and someone steals your computer they have your 2fa too, right? I'm guessing they still have to know your password to get in. But they could likely recover the password via the attached 2FA key. Depending on the site I guess. I haven't used this particul...
by aqan
Wed Oct 10, 2018 9:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605432

Re: U.S. stocks in freefall

ImUrHuckleberry wrote:
Wed Oct 10, 2018 9:13 pm
I was just looking at the implied open of the DJ and it went from -350 to -1200 and then right back to -370 a minute later. Anyone know what that means or if that is common?
someone trading after hours got owned :)

no clue.. just kidding
by aqan
Wed Oct 10, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Google's Titan Key for 2fa
Replies: 23
Views: 2140

Re: Google's Titan Key for 2fa

Firefox has experimental, opt-in support for u2f. I actually just found this at work today as I am trying to abandon Google Chrome after some of the recent changes they made. I got the same error message as you until I enabled it, and it works perfectly. https://www.yubico.com/2017/11/how-to-naviga...
by aqan
Wed Oct 10, 2018 8:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605432

Re: U.S. stocks in freefall

Doom&Gloom wrote:
Wed Oct 10, 2018 8:09 pm
My loss today was almost exactly 100X the amount we expected to spend on a new lawnmower if I hadn't been able to repair our old lawnmower successfully yesterday. Today's loss is "meh"; yesterday's savings is "yahoo!" What is wrong with me?
unrealized loss vs real cash saved.
by aqan
Wed Oct 10, 2018 8:15 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605432

Re: U.S. stocks in freefall

If you happen to deal in futures you care about points A LOT. This is the history of emini SP futures drops. Today is the second worst in history, behind the February one. This is what Mr. Bogle was referring to during the spring........gigantic point moves even compared to 87. http://i67.tinypic.c...
by aqan
Wed Oct 10, 2018 8:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605432

Re: U.S. stocks in freefall

TeeDee wrote:
Wed Oct 10, 2018 6:41 pm
I’m still building up my portfolio. Must I buy on days like these? Feels like a Columbus Day dale to me.
be cautious, it could be a falling knife.
by aqan
Wed Oct 10, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Google's Titan Key for 2fa
Replies: 23
Views: 2140

Re: Google's Titan Key for 2fa

MP123 wrote:
Wed Oct 10, 2018 7:47 pm
If you leave the key plugged in all the time and someone steals your computer they have your 2fa too, right?
I'm guessing they still have to know your password to get in.
by aqan
Wed Oct 10, 2018 5:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605432

Re: U.S. stocks in freefall

Any turbulence and you can couton this thread to be on the top. Every one gets spooked so easily here.
by aqan
Mon Oct 08, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to NYC, self-employed, with a kid. How big will my tax hit be?
Replies: 21
Views: 2203

Re: Moving to NYC, self-employed, with a kid. How big will my tax hit be?

looks like you've decided to move anyway so how does it matter what the tax hit will be.. IMHO the cost of living will be much bigger hit than the tax hit. That's true, but the extra cost of living I can accept. I live frugally wherever I go. I just don't like the high income taxes of the city and ...
by aqan
Sun Oct 07, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to NYC, self-employed, with a kid. How big will my tax hit be?
Replies: 21
Views: 2203

Re: Moving to NYC, self-employed, with a kid. How big will my tax hit be?

looks like you've decided to move anyway so how does it matter what the tax hit will be.. IMHO the cost of living will be much bigger hit than the tax hit.
by aqan
Sat Oct 06, 2018 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 11953

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

The A/C was working since we had to open the home for pest control company few days prior to closing. They wanted pest control invoice submitted few days before closing so it's more current. Timeline: 20 days prior: Inspection done and only issue was pest control Wed: Pest Control and A/C was worki...
by aqan
Wed Oct 03, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: Apple - macOS Mojave
Replies: 35
Views: 2963

Re: Apple - macOS Mojave

literally just upgraded and launched safari :)
I like the dark mode so far. Will update as I find out more.
by aqan
Mon Oct 01, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Invisalign and Dentist pricing
Replies: 19
Views: 2488

Re: Invisalign and Dentist pricing

I’m currently on my week 2 for Smile Direct Club for $1850. I actually saw invisialign on groupon for $3000 but there was an additional $600 for the retainer and another $300 for can't remember what. I chose SDC because it was right Nextdoor to my work and much cheaper for the similar service. Neve...
by aqan
Mon Oct 01, 2018 7:27 am
Forum: Investing - Theory, News & General
Topic: SEC charges Musk with Fraud!
Replies: 117
Views: 10800

Re: SEC charges Musk with Fraud!!!

Tanelorn wrote:
Mon Oct 01, 2018 3:27 am
Up 10-15% premarket on the news, about $300 again.
He has 9 lives err I meant 90. :)
by aqan
Tue Sep 25, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Invisalign and Dentist pricing
Replies: 19
Views: 2488

Re: Invisalign and Dentist pricing

I’m currently on my week 2 for Smile Direct Club for $1850. I actually saw invisialign on groupon for $3000 but there was an additional $600 for the retainer and another $300 for can't remember what. I chose SDC because it was right Nextdoor to my work and much cheaper for the similar service. Never...
by aqan
Tue Sep 25, 2018 7:31 am
Forum: Investing - Theory, News & General
Topic: DIYers Taking a Toll
Replies: 50
Views: 6575

Re: DIYers Taking a Toll

He warned me that anyone can do well with index investing in a bull market but when/if it changes indexers will get crushed. seems like your son still has a lot to learn. One could argue that since record amount money is flowing into index funds, a slight fear can cause the whole index to unfairly ...
by aqan
Sun Sep 23, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: New immigrant with complicated situation
Replies: 24
Views: 2750

Re: New immigrant with complicated situation

I am puzzled by your receiving Medicaid within the first year of immigrating to the U.S. How did the NY state decide to waive the customary 5-year waiting period? Do keep in mind that the Department of Homeland Security has put out a draft regulation for public comments that will very likely deny g...
by aqan
Sat Sep 08, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to buy phone for T-mobile
Replies: 18
Views: 1373

Re: Cheapest way to buy phone for T-mobile

it doesn't have to be unlocked phone.. The cheapest way will be to buy a t-mobile locked phone from facebook marketplace, craigslist or eBay.
by aqan
Wed Sep 05, 2018 12:07 am
Forum: Personal Consumer Issues
Topic: Walmart is not Amazon
Replies: 54
Views: 6874

Re: Walmart is not Amazon

Turns out, much of WM online is from 3rd party vendors - called, ironically, "Walmart Prime". I browse Walmart.com a lot, and there is no such thing as "Walmart Prime". LOL. If you would post a link to the item you purchased, we would know for sure exactly from whom you purchased your Mophie batter...
by aqan
Fri Aug 31, 2018 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer US dollars to a country with 7% CD rates
Replies: 31
Views: 3218

Re: Transfer US dollars to a country with 7% CD rates

No one captured the tax implications you asked for, and I think they're very important. The primary issue here is that the interest amount will be taxed at least at your US income tax rate, and you'll generate more "income" in India due to the devaluing currency, meaning you'll pay more in taxes. I...
by aqan
Fri Aug 24, 2018 10:23 pm
Forum: Personal Consumer Issues
Topic: Need a cheap smartphone - no service needed
Replies: 29
Views: 2417

Re: Need a cheap smartphone - no service needed

Best bet. Buy a used and locked phone from CL,Facebook marketplace etc.
The locked phones go for cheap but since you will only be using on wifi you’ll be fine.
by aqan
Thu Aug 23, 2018 3:52 am
Forum: Investing - Theory, News & General
Topic: Stock options inducing employee sabotage
Replies: 14
Views: 1688

Re: Stock options inducing employee sabotage

Edit:
Lol. They could. Thanks for giving ideas to people :)

You could profit from shoplifting too, can you think of any reason why it’s not such a good idea?
by aqan
Fri Aug 17, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Today I retired [should I invest in rental properties?]
Replies: 25
Views: 2996

Re: Today I retired [should I invest in rental properties?]

Managing rentals by yourself can be pain in the behind.
If you can find a profitable one in a professionally managed apartment complex then go for it.
by aqan
Mon Aug 13, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 50
Views: 2594

Re: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)

I’d check out t-mobile. International roaming is included in your plan. International phone calls are 20 cent per minute to receive and 20 cent + international call rates to make calls. You get 2G data free in many countries, its fast enough to make FaceTime or WhatsApp audio calls when you’re not n...
by aqan
Mon Aug 13, 2018 4:09 am
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 121
Views: 9834

Re: Can I buy a Tesla?

You can certainly afford it and if you wait you’ll loose out on the federal tax credit. I would go for it If i were you.
by aqan
Sun Aug 12, 2018 8:33 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe:Don’t Go “Mad Money”
Replies: 22
Views: 3437

Re: Larry Swedroe:Don’t Go “Mad Money”

lol.. my conclusion after following him for a year was that Cramer is a good entertainer and can get people excited about investing in stocks/markets. I followed AAP for one year not 100% tho, just the ones I liked. I made good money but that was a good year for stocks overall anyway.. didn't compar...
by aqan
Wed Aug 08, 2018 2:47 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 25975

Re: Invest in Tesla?

Whakamole wrote:
Wed Aug 08, 2018 1:41 pm
Shouldn't a CEO be more focused on building a viable long-term business than going after short sellers?
I was wondering the same. Maybe too many shorts sacre the investors away?
by aqan
Tue Aug 07, 2018 7:04 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 25975

Re: Invest in Tesla?

This means TSLA in play. I suspect that some serious number crunching now being done by likes of Apple, Google, and legacy auto makers like Daimler Benz and Volkswagen. Not to mention unknown Chinese or Japanese companies. We live in interesting times. I don't think Musk wants to lose control of th...
by aqan
Tue Aug 07, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 25975

Re: Invest in Tesla?

crystalbank wrote:
Tue Aug 07, 2018 5:52 pm
So who is willing to pour $70B into Tesla right now?
Is there a timeline for this?
Lastly, when will the shareholder vote take place?

This whole thing is very weird and erratic.
the word on the street is: Saudis
by aqan
Tue Aug 07, 2018 6:01 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 25975

Re: Invest in Tesla?

I'm trying to figure out why the price didn't go right up to $420 or at least significantly closer. The only conclusion is that the market is not convinced that much of what Musk says/tweets is truthful. Obviously :beer Market always takes everything with a pinch of salt.. until the official word c...
by aqan
Tue Aug 07, 2018 6:59 am
Forum: Personal Consumer Issues
Topic: Cost of ownership of buying Model 3
Replies: 50
Views: 3404

Re: Cost of ownership of buying Model 3 vs keeping my M235i.

DanMahowny wrote:
Mon Aug 06, 2018 2:39 pm
Wait 6 months. If Tesla is still in business by Feb 2019, revisit the Model 3.

You'll be glad you waited. Tesla is going to fold before then.
you learned nothing here so far.
by aqan
Thu Aug 02, 2018 2:47 pm
Forum: Investing - Theory, News & General
Topic: What we know about robo advisors
Replies: 156
Views: 25290

Re: What we know about robo advisors

I think this whole robo-adviser thing is just a gimmick. It's just passive investing with extra fees for the provider. It's like a target or balanced index fund with higher expenses, that's all. I tend to agree except you can customize the mix to certain extent. How about the tax loss harvesting ro...
by aqan
Thu Aug 02, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 753
Views: 75337

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I wish they had simply dropped the ER of their existing funds (FSTVX and FSIVX) to ZERO. The large capital gains I have will likely prevent me from taking advantage of the lower ERs on these new funds. Pretty sure they had modify the fine print to allow themselves to make some money by other means.
by aqan
Wed Aug 01, 2018 5:36 am
Forum: Personal Finance (Not Investing)
Topic: $8712/year for insurance (auto, home, rental) How to reduce?
Replies: 40
Views: 3124

Re: $8712/year for insurance (auto, home, rental) How to reduce?

Reminds me of my move from NJ to CT years ago. NJ auto insurance is sky high and I was hoping to get a break when we moved to CT but when I called liberty to change the address my rate almost doubled. I hung up and called Geico and they offered me a nice 25% (or so) discount over my rate in NJ. I'd ...
by aqan
Mon Jul 30, 2018 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie enlightened by Bogleheads
Replies: 23
Views: 3252

Re: Newbie burned by bonds

you have hight expectation since you made 100K in one stock, it doesn't always work like that. BH strategy works in your favor in the long term (15+ years). Stay the course and you'll do well.. at least that's what I'm hoping :) Don't forget this is a turbulent year... stocks may end up losing a lot...