Search found 393 matches

by aqan
Sun Sep 23, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: New immigrant with complicated situation
Replies: 8
Views: 733

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: 1310

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: 6729

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: 3099

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: 2334

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: 1650

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: 2938

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: 2451

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: 108
Views: 8129

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: 3385

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: 25089

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: 25089

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: 25089

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: 25089

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 vs keeping my M235i.
Replies: 50
Views: 3181

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: 24527

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: 737
Views: 70204

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: 3060

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: 3189

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...
by aqan
Sat Jul 28, 2018 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve travel insurance
Replies: 33
Views: 3601

Re: Chase Sapphire Reserve travel insurance

Were you talking to chase directly? I never had to use it but I know you can reimburse up to 2.5k. Do you mind explaining what happened? My son's flight was cancelled in Shanghai last year. They were a party of five. Chase gave them 500 credit each to spend in the next 24 hours, which they did. I w...
by aqan
Sat Jul 28, 2018 9:33 pm
Forum: Investing - Theory, News & General
Topic: Hold one stock 25 years
Replies: 68
Views: 6342

Re: Hold one stock 25 years

Tesla... just because no one mentioned it yet.
by aqan
Fri Jul 27, 2018 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Routine Blood work with high deductible insurance
Replies: 25
Views: 1834

Re: Routine Blood work with high deductible insurance

I have a high deductible plan (Amerihealth NJ) and need to get some routine blood work for my sons. The "retail" price from LabCorp is over $650 each but I have no idea what the contracted rate would be if I ran it thru my insurance. you should always run it thru your insurance.. health insurance i...
by aqan
Wed Jul 25, 2018 6:57 am
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 9801

Re: Dealing with HOA Notice

I’d be a good citizen and get rid of it but HOA will have to pay for it because they failed to tell me about the rule at the time of purchase, at wich point it would have been the problem of the previous owner. The HOA doesn't need to tell you anything. The By-Laws and Covenants tell you the rules....
by aqan
Mon Jul 23, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 9801

Re: Dealing with HOA Notice

Long story short, received a notice from HOA regarding Satellite Dish cable hanging on the siding and to remove Window AC Unit. I bought this house 5 years ago, HOA letter during the time of sale had "No Violations", Window AC was part of sales contract. Have home inspection report done during the ...
by aqan
Sun Jul 22, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: High voltage powerlines near house
Replies: 72
Views: 5340

Re: High voltage powelines near house

How about those cell towers? They can popup anywhere and probably produce a lot more EM radiation, right?
by aqan
Sun Jul 22, 2018 5:56 am
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 102
Views: 7574

Re: How do you handle the urge to DO something?

Never really had such urge but I have recently setup an account with some play money where I invest in companies/technology I really believe in (cloud, electric car, social media etc)

So far the results have been mixed, so there goes the urge ;)
by aqan
Thu Jul 19, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: Fake IRS calls - anybody care?
Replies: 62
Views: 3664

Re: Fake IRS calls - anybody care?

J295 wrote:
Thu Jul 19, 2018 9:38 pm
I don’t answer any calls. If they are not in my contact list and don’t leave a message, I block the missed call number.
exactly what I do too. If you pickup once the call volume doubles next week.. so beware.
by aqan
Wed Jul 18, 2018 11:14 am
Forum: Investing - Theory, News & General
Topic: 3% APY 14 month CD (New England States Only)
Replies: 6
Views: 975

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

the link goes to home page now... looks like they killed it. :)

Edit: Still alive. Called in to apply over the phone.
by aqan
Tue Jul 17, 2018 11:33 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 10040

Re: Why own a bed?

Well... if you are like me and keep your money under the mattress, you want to keep it a little bit above ground level otherwise you run a risk of water damage to your money.

Edit: can’t believe there are so many serious replies to this thread.
by aqan
Tue Jul 17, 2018 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about job change but current job gives 9% salary into 401k..
Replies: 27
Views: 3520

Re: Thinking about job change but current job gives 9% salary into 401k..

You can always ask your new employer to match your current compensation. In many cases they will match or beat your current offer.
by aqan
Tue Jul 17, 2018 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Accepted new job, immediately laid off at old one?
Replies: 37
Views: 6169

Re: Accepted new job, immediately laid off at old one?

EVERYTHING HAS CLEARED AND I START IN TWO WEEEEEEEEEEEEEEEEEEEEEEEEEEEEEKS!!!!!!!!!! WHOOOOOOOOO HOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO looks like I was freaking out for no reason. wow. will still be paid for a extra 8 weeks after I start working at the new company..legit just double income for 2 months....
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: 6
Views: 975

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: 2255

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: 2255

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: 34
Views: 3110

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: 9502

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: 9502

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: 109544

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: 10894

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: 4246

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: 985

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: 3284

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: 4687

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: 2601

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: 3270

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: 1641

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: 4031

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: 1397

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: 1397

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: 1397

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 ...