Search found 362 matches

by aqan
Sun Jul 15, 2018 4:26 pm
Forum: Investing - Theory, News & General
Topic: 3% APY 14 month CD (New England States Only)
Replies: 3
Views: 332

Re: 3% APY 14 month CD (New England States Only)

Great find OP. I live in NE. will definitely give it a try.
by aqan
Mon Jul 09, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: Neighbor’s Contractor Damaged Adjoining Property
Replies: 30
Views: 2041

Re: Neighbor’s Contractor Damaged Adjoining Property

AZAttorney11 wrote:
Mon Jul 09, 2018 4:43 pm
I don't know why this forum permits legal advice. And I don't know why non-lawyers are so quick to chime in with their thoughts / suggestions.
Because it is not a legal matter yet and OP is asking for best way to deal with a situation not a legal advice.
by aqan
Mon Jul 09, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: Neighbor’s Contractor Damaged Adjoining Property
Replies: 30
Views: 2041

Re: Neighbor’s Contractor Damaged Adjoining Property

Does the contractor or neighbor know about it? They should have been made aware of the damage as soon as your friend found out about it. I’d discuss it with whoever I can find first. Personally I’d deal with the neighbors, they’re the ones who hired the contractor hence they should be involved in an...
by aqan
Sun Jul 08, 2018 10:02 pm
Forum: Personal Consumer Issues
Topic: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?
Replies: 19
Views: 1527

Re: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?

Poster wrote:
Wed Jul 04, 2018 11:03 pm
Dude, go for the Model 3.!!! No brainer. It rocks! And save the earth (more).
There’s a difference of $20,000. How’s that a no brainer?
by aqan
Thu Jul 05, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Affording a $1.8-2M house
Replies: 54
Views: 8980

Re: Affording a $1.8-2M house

You make good money and you have a ton of stocks vesting every six months. There’s no point torchring yourself when all you’re doing is divesting from stocks and investing in real estate.
My 2c.
by aqan
Thu Jul 05, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Affording a $1.8-2M house
Replies: 54
Views: 8980

Re: Affording a $1.8-2M house

ShowMeTheER wrote:
Mon Jul 02, 2018 5:45 am
$60K - $80K for food; is that correct?
Lol. I was shocked too.
by aqan
Sun Jul 01, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103265

Re: To take or not to take delivery of Tesla 3

just received "design your tesla model 3" email, delivery in 3-5 months - is it impossible to predict if we'll receive tax credit/rebate? - awd is going to run around $43k, the car is for my wife, who currently drives an acura mdx, which is about the same price. Thoughts about mdx vs model 3awd? th...
by aqan
Wed Jun 27, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 10240

Re: Lost out on promotion

Today I got passed over for promotion at work. The boss says he hasn't seen initiative in me yet. I'm new here, but much more experienced in the industry. I do great things in the background, whereas the other guy chats with the boss all day. They talk non-work things all day. Boss has a set of fav...
by aqan
Mon Jun 25, 2018 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Sudden appearance of multiple buyers real or negotiation tactic?
Replies: 61
Views: 4012

Re: Sudden appearance of multiple buyers real or negotiation tactic?

As mentioned earlier I’ve been negotiating to buy a new house over the past several days. The seller way overpriced and was sitting on the market for months as a result. All was going well and I brought the buyer down significantly and looked like I was about to close. Suddenly we get a strange ema...
by aqan
Sat Jun 23, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: 2.7 13-Month CD
Replies: 7
Views: 943

Re: 2.7 13-Month CD

tomd37 wrote:
Sat Jun 23, 2018 1:57 pm
What bank please? :moneybag
exactly what i was wondering.. OP seems too excited to mention the detail.
by aqan
Tue Jun 19, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance by U.S. Citizen from Former U.S. Green Card Holder
Replies: 29
Views: 3052

Re: Inheritance by U.S. Citizen from Former U.S. Green Card Holder

I am trying to determine whether a prospective, possible inheritance will be subject to U.S. tax, and whether any action can be taken now to influence the situation. I first asked this question on this board's Canadian sister site - the Financial Wisdom Forum - but now realize that an American tax ...
by aqan
Tue Jun 19, 2018 6:37 am
Forum: Investing - Help with Personal Investments
Topic: Shorting Amazon
Replies: 44
Views: 4354

Re: Shorting Amazon

There’s no stopping Amazon. You may get lucky if there’s a black swan event in which entire market goes down and a mass exodus happens to Amazon.
That said I’m hoping for it to fall like there’s no tomorrow so i can get in.... but sadly the wishes don’t always cone true.
by aqan
Mon Jun 18, 2018 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Having a hard time pulling the trigger...
Replies: 25
Views: 2480

Re: Having a hard time pulling the trigger...

I was in a similar situation earlier this year, not as lucky as you tho to pocket $250k after tax. I put a third in the market and 2/3 in a CDs expiring over the next 2 years. Plan is to put the money into the market as the CDs expire. So far it’s looking like a wise move. Last I checked I was down ...
by aqan
Wed Jun 13, 2018 8:52 pm
Forum: Investing - Theory, News & General
Topic: Imagine a 10 year, 0%, noncallable loan
Replies: 49
Views: 3106

Re: Imagine a 10 year, 0%, noncallable loan

I am confused. You state that the APR is 0%. Ergo, the cost is 0. By definition a 0% APR loan is 0. You are giving somebody a loan and expect to earn nothing back. This does not hang together so maybe you are asking a different question? Are you talking about a zero coupon loan? Or are you going to...
by aqan
Sat Jun 09, 2018 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k - fidelity vs. vanguard
Replies: 20
Views: 1368

Re: Solo 401k - fidelity vs. vanguard

MP123 wrote:
Fri Jun 08, 2018 2:14 pm
I think Schwab has the most flexible i401k, followed closely by Fidelity, with Vanguard a distant third.
Does schwab allow e-transfers into your i401K? If so, I'm switching tomorrow.
by aqan
Fri Jun 08, 2018 5:22 am
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 3505

Re: Upgrade to SSD for 5-year old desktop?

The SSD will breathe new life into your machine and easily last another five years. Do it. I’d check the “Windows Performance Index” to see if HDD is the bottleneck before concluding above. That said it may provide some boost in startup time but not necessarily a “new” life in everything your compu...
by aqan
Thu Jun 07, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Where to buy Health Insurance?
Replies: 13
Views: 1256

Re: Where to buy Health Insurance?

If their income is too high for subsidies then their premiums will be very high. $2500/month is probably about right but maybe a little on the high side. Assuming they are both in their 60s (pre-Medicare) that may be for a Gold level plan, you might price a Bronze level for the lowest premiums but ...
by aqan
Thu Jun 07, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Where to buy Health Insurance?
Replies: 13
Views: 1256

Re: Where to buy Health Insurance?

They withdraw approx 5K from their retirement accounts but I was told since they live in our house hold, our income becomes their house hold income. That doesn't sound correct unless you are claiming them as dependents: https://www.healthcare.gov/income-and-household-information/household-size/ Inc...
by aqan
Thu Jun 07, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Where to buy Health Insurance?
Replies: 13
Views: 1256

Re: Where to buy Health Insurance?

If their income is too high for subsidies then their premiums will be very high. $2500/month is probably about right but maybe a little on the high side. Assuming they are both in their 60s (pre-Medicare) that may be for a Gold level plan, you might price a Bronze level for the lowest premiums but ...
by aqan
Thu Jun 07, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Where to buy Health Insurance?
Replies: 13
Views: 1256

Re: Where to buy Health Insurance?

My in-laws just moved to the US on green card, I was wondering how/where they can purchase an affordable health insurance plan. I checked with a local agent who's affiliated to the CT state ACA, but according to him they will not receive any subsidy. They don't have much income to pay $2500 monthly...
by aqan
Wed Jun 06, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: Where to buy Health Insurance?
Replies: 13
Views: 1256

Where to buy Health Insurance?

My in-laws just moved to the US on green card, I was wondering how/where they can purchase an affordable health insurance plan. I checked with a local agent who's affiliated to the CT state ACA, but according to him they will not receive any subsidy. They don't have much income to pay $2500 monthly ...
by aqan
Tue Jun 05, 2018 6:16 am
Forum: Investing - Theory, News & General
Topic: Do bond funds lose value while CDs do not?
Replies: 31
Views: 3442

Re: Do bond funds lose value while CDs do not?

Well to compare apples to apples you need to compare CD’s to an individual Bond/T-Bill. If held to maturity both will not lose value unless bond issuer goes bankrupt. Bond fund on the other hand keeps rotating bonds in order to allow for redemptions, invest new money or adhere to the fund guidelines...
by aqan
Mon Jun 04, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 6149

Re: Need advice on 1st international vacation

English is also very commonly spoken in: Holland, Denmark, Sweden, Norway, and Finland. There is a bit of a communications barrier for Americans in England and Ireland, and perhaps more in Scotland. Although in Scotland the language is very pleasant to hear and people are quite friendly. Hong Kong ...
by aqan
Mon Jun 04, 2018 6:55 am
Forum: Investing - Help with Personal Investments
Topic: Should I put some money aside in money market for market correction
Replies: 94
Views: 6907

Re: Should I put some money aside in money market for market correction

I was convinced two years ago (when I wasn’t a boglehead) that a stock market correction can happen in next one year and allocated my new money to money market. Needless to say how stupid I feel about that idea now. My moral of the story was stop timing the market and stay the course.
by aqan
Sat Jun 02, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Friends with an EJ Advisor
Replies: 49
Views: 4033

Re: Friends with an EJ Advisor

I’d tell him that I’d rather not mix business and friendship. In most cases it ends in disaster.
by aqan
Thu May 31, 2018 6:08 am
Forum: Personal Consumer Issues
Topic: DNA ancestry testing
Replies: 84
Views: 8072

Re: DNA ancestry testing

PhilosophyAndrew wrote:
Tue May 29, 2018 8:07 pm
National Geographic's Geno 2.0 provides a rich and fascinating analysis!

https://genographic.nationalgeographic.com/about/

Andy.
Does NatGeo allow you to upload your DNA?
by aqan
Wed May 30, 2018 6:11 am
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 9015

Re: Router hack, have you acted?

munemaker wrote:
Tue May 29, 2018 10:43 pm
I am not worried about it. There are a lot of routers in this country. The chances of the bad guys coming after mine are pretty small.
FYI Chances of bad guys randomly choosing you are exactly the same as choosing any other router in this country.
by aqan
Sun May 27, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12369

Re: done with Gmail

I was changing passwords with keepass - when there was a crash. Password took, but keepass doesn't have the password. Trying to get it unlocked has been like being a Kafka novel. Right now, they will be reviewing and decide in the next 5 days whether I will get my email back (it''s locked). Much of...
by aqan
Mon May 21, 2018 6:56 am
Forum: Investing - Theory, News & General
Topic: will the SP500 double in 7 years?
Replies: 109
Views: 13471

Re: will the SP500 double in 7 years?

It would take a drop of nearly 20% from current levels for stocks to not have doubled since the time of the OP. That is, of course, possible, but historically not likely to occur within the next seven months . It goes to show you that a majority of Bogleheads (at least those who participated in the...
by aqan
Mon May 21, 2018 6:48 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12369

Re: done with Gmail

I was changing passwords with keepass - when there was a crash. Password took, but keepass doesn't have the password. Trying to get it unlocked has been like being a Kafka novel. Right now, they will be reviewing and decide in the next 5 days whether I will get my email back (it''s locked). Much of...
by aqan
Wed May 16, 2018 8:29 pm
Forum: Investing - Theory, News & General
Topic: NRIA.NET - Real Estate Private Placement - 16% return
Replies: 11
Views: 1068

Re: NRIA.NET - Real Estate Private Placement - 16% return

I do RE for a living. As I have said before control is everything in real estate. I would never invest passively in a real estate deal ie one I did not control. Also I am sure they are not a benevolent society meaning high fees. I would steer clear. I think the “high fees” comment is the key. Here ...
by aqan
Wed May 16, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: NRIA.NET - Real Estate Private Placement - 16% return
Replies: 11
Views: 1068

Re: NRIA.NET - Real Estate Private Placement - 16% return

So, if I'm reading this right... 1. Investor gives them a minimum of $50k in cash. 2. They use cash from investors to build/flip/rent real estate in expensive areas of the east coast. 3. They return an increasing % back to you based on how much money you sink in. Seems like a scam to me - how exact...
by aqan
Tue May 15, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: NRIA.NET - Real Estate Private Placement - 16% return
Replies: 11
Views: 1068

NRIA.NET - Real Estate Private Placement - 16% return

After hearing their commercial for many years on Bloomberg I decided to call them to find out more. In a nutshell they are real estate developers, and offer 16-20% return on your investment of multiples of 50K. You're pretty much locked in for 5 years and WILL lose all your money if the market tanks...
by aqan
Mon May 14, 2018 6:47 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 12188

Re: The front page is ugly

Most of this forum looks professional and well maintained. But the front page has some kind of text-based forum preview from the early 90s. This should really be changed. I know the current front page may be useful to some users, but shouldn't it be placed elsewhere? This website should put its bes...
by aqan
Sat May 12, 2018 5:39 am
Forum: Personal Finance (Not Investing)
Topic: Received a 1099-R Form Late
Replies: 19
Views: 1846

Re: Received a 1099-R Form Late

If they sent it to you late, most probably they reported it to IRS late as well. So why not let IRS decide if it wants you to amended your return or not.
by aqan
Tue May 08, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Recommendation For Shirts
Replies: 36
Views: 2537

Re: Recommendation For Shirts

SeaToTheBay wrote:
Tue May 08, 2018 11:15 am
For dress shirts, ctshirts.com has great quality and $50/ea if you buy four (or $45 if you wait for a $179 for 4 deal).
i was going to post this too.. awesome quality & fit, made in UK:)
by aqan
Sat Apr 28, 2018 7:03 am
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9722

Re: How did you tell the boss you're leaving/retiring?

randomizer wrote:
Wed Apr 25, 2018 5:09 pm
I fantasize about this conversation almost daily.
you made my morning.
:beer :beer :beer :beer :beer
by aqan
Thu Apr 19, 2018 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401K Excess Employer Profit Sharing Contribution--Ugh
Replies: 19
Views: 1267

Re: Solo 401K Excess Employer Profit Sharing Contribution--Ugh

Thanks Spirit Rider! One follow up question: Could I recharacterize my “employer” contribution as an “employee” contribution? I submit all of the money I give to Fidelity on the same form (401K contributions and profit sharing). I do have to list what amounts go to what category. So, I think it cou...
by aqan
Sun Apr 15, 2018 7:18 pm
Forum: Investing - Theory, News & General
Topic: 2-year AA Munis at Vanguard and Fidelity Today
Replies: 134
Views: 9737

Re: 2-year AA Munis at Vanguard and Fidelity Today

For me, at 27% federal and 8% state marginal tax rates, not itemizing , this is a taxable-equivalent yield (TEY) of 3.099%. This is compared to the 2.65% yield on the best new-issue 2-year brokered CDs, which is an example of what I've been buying in tax-advantaged (typically getting slightly highe...
by aqan
Sat Apr 14, 2018 9:30 am
Forum: Investing - Theory, News & General
Topic: 2-year AA Munis at Vanguard and Fidelity Today
Replies: 134
Views: 9737

Re: 2-year AA Munis at Vanguard and Fidelity Today

For me, at 27% federal and 8% state marginal tax rates, not itemizing , this is a taxable-equivalent yield (TEY) of 3.099%. This is compared to the 2.65% yield on the best new-issue 2-year brokered CDs, which is an example of what I've been buying in tax-advantaged (typically getting slightly highe...
by aqan
Sat Apr 14, 2018 9:25 am
Forum: Investing - Help with Personal Investments
Topic: As an expat with no US address, can I move my 401k?
Replies: 18
Views: 1976

Re: As an expat with no US address, can I move my 401k?

Bfwolf wrote:
Thu Apr 12, 2018 9:11 pm
fredjohnson wrote:
Thu Apr 12, 2018 8:39 pm
Your an ex-Pat so you are NOT a US citizen any longer? I'd say you won't be able to move the money anywhere.
Fred, a US expat is a US citizen living abroad. They keep their citizenship.
And they still have to file taxes
by aqan
Mon Apr 09, 2018 1:51 am
Forum: Personal Consumer Issues
Topic: New Lexus LS or Tesla Model S
Replies: 63
Views: 4741

Re: New Lexus LS or Tesla Model S

Alexa9 wrote:
Sun Apr 08, 2018 9:17 am
Tesla sportier, Lexus more comfortable and proven reliable. I'd go with the Lexus if you're over 40 and Tesla if under 40.
what kind of logic is that?
by aqan
Mon Apr 02, 2018 5:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1448870

Re: U.S. stocks in freefall

BogleMelon wrote:
Mon Apr 02, 2018 2:56 pm
For all the folk who decided to buy today, haven't you guys read rule #5? :oops:
https://www.bogleheads.org/wiki/Boglehe ... the_market
Whatever happened to ‘buy low’ sell high 15 years from niw.
by aqan
Thu Mar 29, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Tax calculators for solo 401(k)s are wrong! (or I hope I'm wrong)
Replies: 4
Views: 453

Re: Tax calculators for solo 401(k)s are wrong! (or I hope I'm wrong)

The 20% is supposed to be calculated off the employer profits... atleast that’s how I have been calculating for my wife.
You might be able to report the difference towards 2018 401K as long as you made the contribution in 2018.
by aqan
Thu Mar 29, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 130
Views: 14025

Re: 2018 Forester vs CRV vs RAV4

All 3 are solid vehicles. It will just boil down to what you feel most comfortable driving, sitting position etc.
I’d take a couple of test drives for each and try to feel the car.
by aqan
Sun Mar 25, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: How to Learn to Build a Web App
Replies: 19
Views: 1862

Re: How to Learn to Build a Web App

https://www.pluralsight.com is a very good tech learning website. They have beginner, intermediate, and advanced courses on a wide range of subjects. We use it at our company and I assign my junior developers courses when I feel they need to learn a new technology. If you're looking to build a mode...
by aqan
Fri Mar 09, 2018 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: Can I take an 85+% pay cut for fun?
Replies: 80
Views: 9478

Re: Can I take an 85+% pay cut for fun?

since you're a software developer you can probably find another developer job with similar salary in case your dream doesn't turnout to be as good as you thought. I'd say go for it. BTW if you don't mind sharing whats the other profession? just wondering what could be worth loosing $250k a year.
by aqan
Wed Mar 07, 2018 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: TDA Solo 401k Question
Replies: 4
Views: 183

Re: TDA Solo 401k Question

To all those with a TDA solo 401k, Is there a way to fund the account via an electronic transfer or internal transfer from the brokerage account? I am trying to transfer funds over but it doesn't seem to let me. Are my only choices physically mailing in a check or dropping one off to a TDA branch l...
by aqan
Mon Mar 05, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: Is digital retinal imaging a scam?
Replies: 14
Views: 1319

Re: Is digital retinal imaging a scam?

Ophthalmologist here. Yes, it's a scam. The only reason to image the retina is if you have a problem that warrants further investigation. If the optometrist can't determine this with a clinical exam, then you should find a different optometrist or see an M.D. Is this the same thing as the picture o...
by aqan
Thu Mar 01, 2018 9:51 am
Forum: Investing - Theory, News & General
Topic: AAPL, AMZN, or GOOG?
Replies: 77
Views: 7798

Re: AAPL, AMZN, or GOOG?

All three. Throw in MSFT and TSLA as well. Can’t go wrong with an tech etf either.