Search found 310 matches

by aqan
Sat Feb 17, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 154
Views: 10232

Re: I'm Cancelling My Home Insurance

Anyone on here that doesn't have a home insurance policy? What's your experience? My home is paid for and worth about 12% of my net worth and I'm thinking about canceling the homeowners policy and keeping the umbrella policy. If I cancelled and the house burned down, it would just be like a 12% mar...
by aqan
Thu Feb 15, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Used Chevy Volt - Which year should I look at?
Replies: 33
Views: 2439

Re: Used Chevy Volt - Which year should I look at?

I didn't read all the posts, but I just saw an article this week on the top 10 quickly depreciating cars. The Volt was on the list. So, I guess that can be good or bad depending on your perspective. that might be why it caught OP's eye. My wife has the 2017 Volt and likes it. Pickup is great, she g...
by aqan
Thu Feb 15, 2018 7:17 am
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 11035

Re: Did you learn anything from the market correction?

Yup. It confirmed that the market always does the opposite of common concensus. When majority of people predict that market will kerp going up, it goes down and when everyone is panicked and believes that market will keep falling, it starts recovering:)
by aqan
Wed Feb 14, 2018 10:32 pm
Forum: Investing - Theory, News & General
Topic: Can someone help me explain to my wife...?
Replies: 80
Views: 8790

Re: Can someone help me explain to my wife...?

3funder wrote:
Wed Feb 14, 2018 10:21 pm
Make sure you're the only one with the account username and password! Kidding (sort of).
lol.. you'll surely get him kicked out to the doghouse if not worse.
by aqan
Thu Feb 08, 2018 10:46 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5594
Views: 1263453

Re: U.S. stocks in freefall

Xanadu wrote:
Thu Feb 08, 2018 10:32 pm
Cool I’m in the top 5 in the the 2018 Bogleheads contest now :D
the what?
by aqan
Mon Feb 05, 2018 5:58 pm
Forum: Personal Consumer Issues
Topic: How to receive large payment for a boat, PayPal vs Wire
Replies: 31
Views: 1969

Re: How to receive large payment for a boat, PayPal vs Wire

Meet at purchasers bank with the boat. Go to cashier with them and watch them get a cashiers check. Take the check and give them the title. Unhook the boat and go. You will get hosed if you use PayPal. Cashiers check is the safest. you don't really have to go to buyers bank tho, just ask them to ge...
by aqan
Mon Feb 05, 2018 5:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5594
Views: 1263453

Re: U.S. stocks in freefall

It's official. You dip-buyers stepping up or are you hiding under the covers?? STOCK ROUT IN FULL FORCE, DOW IN FREE FALL DOWN MORE THAN 1,000 POINTS Not enough of a drop to justify buying yet. We are only talking about 6-7% in a week. Not even at proper correction level. Wake me when it's at least...
by aqan
Mon Feb 05, 2018 5:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5594
Views: 1263453

Re: U.S. stocks in freefall

People need to stop wishing for a crash. At least out loud. Even if YOU don't get hurt, many people will. I've been thinking the exact same thing when I've been reading this thread for the past week. EXACTLY. Some of us are literally on the verge of retirement. Others are IN retirement. People like...
by aqan
Mon Feb 05, 2018 5:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5594
Views: 1263453

Re: U.S. stocks in freefall

knpstr wrote:
Mon Feb 05, 2018 5:31 pm
S&P 500 down 1.4% YTD... looking to go from all equities to all cash. IPS says: "act on impulse"

Thoughts?
And when do you plan to go back in?
by aqan
Sat Feb 03, 2018 6:57 pm
Forum: Investing - Theory, News & General
Topic: Blood in the water- buying?
Replies: 117
Views: 15926

Re: Blood in the water- buying?

Blood??? The market barely lost one week of gains. Its still up an unreal amount YTD.
by aqan
Sat Feb 03, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: How to receive large payment for a boat, PayPal vs Wire
Replies: 31
Views: 1969

Re: How to receive large payment for a boat, PayPal vs Wire

Meet at purchasers bank with the boat. Go to cashier with them and watch them get a cashiers check. Take the check and give them the title. Unhook the boat and go. You will get hosed if you use PayPal. Cashiers check is the safest. you don't really have to go to buyers bank tho, just ask them to ge...
by aqan
Mon Jan 29, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: Is middle initial important? [How to title a legal document]
Replies: 11
Views: 1421

Re: Is middle initial important?

I rarely use my middle initial. besides the international flights where they request name as in passport, I usually omit the middle initial line in most forms. never had any issue so far:)
good luck.
by aqan
Thu Jan 25, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Remotely power cycle devices?
Replies: 3
Views: 348

Re: Remotely power cycle devices?

Try the strip if you have multiple devices at the same spot

https://www.amazon.com/dp/B074SFQDN5
by aqan
Mon Jan 22, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 7689

Re: Short Commute or Nicer House?

Looks like a win-win to me... 30 minute commute is not too bad, you’ll get to spend some time alone and catch up on radio:)

both options are great options depending upon which stage of life you’re in. You’ll need to decide what works better for you at your current situation.
by aqan
Mon Jan 22, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: Cutting cable
Replies: 51
Views: 2664

Re: Cutting cable

We got DirectvNow. Good enough for my light appetite. Fair warning: DVR is non existent so you’ll be frustrated with the ads.
You can probably still get a free apple tv 4k + 4 months prepaid service for $120. Not a bad deal if you want to try.
by aqan
Sun Jan 21, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: 300K 15yr mortgage or sell investments?
Replies: 4
Views: 517

Re: 300K 15yr mortgage or sell investments?

You know better about your tax situation but may not be a bad idea to sell when the market is high and invest new money in the market instead of paying mortgage every month.
by aqan
Sat Jan 20, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: What's your annual cost of living (expenses)?
Replies: 40
Views: 3292

Re: What's your annual cost of living (expenses)?

OP How are you managing for 53K in a VHCOL? How is the COL categorized ?
by aqan
Sat Jan 20, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: Fear of dying with too much money?
Replies: 137
Views: 8310

Re: Fear of dying with too much money?

2b2 wrote:
Sat Jan 20, 2018 3:51 pm
How much is too much?
If one dies with $100 in a checking account, is that "dying with too much money"?

2b2
you decide.
by aqan
Sat Jan 20, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 44
Views: 3005

Re: Telemarketing calls from my own prefix

T-mobile has a great feature called Spam Blocking. Many of the calls will show up as "Scam Likely" or you can completely block them.
more here..
http://firstorion.com/who-is-scam-likel ... alling-me/
by aqan
Thu Jan 18, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Costco Citi removing Foreign Transaction Fees; No Fee/Reimbursed Fee International ATM; ; Free International Data
Replies: 40
Views: 4571

Re: Costco Citi removing Foreign Transaction Fees; No Fee/Reimbursed Fee International ATM; ; Free International Data

I use T-Mobile extensively overseas during by business trips and I have to say it is the best thing to know that you will have full connectivity no matter where you go. Last summer I happen to stop by a sprint store to checkout their offerings and the guy told me that the international data is inclu...
by aqan
Thu Jan 18, 2018 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Are ETFs Really That Safe?
Replies: 26
Views: 2190

Re: Are ETFs Really That Safe?

Whoever told you that.. ask them about the ‘safe’ upcoming bitcoin ETF.
by aqan
Tue Jan 16, 2018 8:02 am
Forum: Investing - Theory, News & General
Topic: Dow 30,000 S&P 3000, Nasdaq 10,000
Replies: 39
Views: 4682

Re: Dow 30,000 S&P 3000, Nasdaq 10,000

squirm wrote:
Mon Jan 15, 2018 2:31 pm
Around here is where I think the bull market ends, Similar to Dow 10,000 Nasdaq 5000 in 2000.
Lets see how many more people think that. Remember, market always does opposite of the most common consensus.
by aqan
Tue Jan 09, 2018 11:22 pm
Forum: Investing - Theory, News & General
Topic: Forgot to make my $5500 contribution for 2018
Replies: 36
Views: 4761

Re: Forgot to make my $5500 contribution for 2018

fastpace_re wrote:
Tue Jan 09, 2018 2:37 pm

Should I be kicking myself that I'm not getting my money in until today (or tomorrow)?
I’d be banging my head on the wall if i were you.
by aqan
Mon Jan 08, 2018 11:27 pm
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 75
Views: 7742

Re: New mattress

Start by reading the forums and the articles here https://www.themattressunderground.com/mattress-forum.html the user Phoenix is the most knowledgeable owner/member on a subject on any forum I've seen he knows more about mattresses than any one person should know, he breaks down the memory foam den...
by aqan
Mon Jan 08, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: Two-Factor Authentication (2FA) and Google Authenticator
Replies: 7
Views: 656

Re: Two-Factor Authentication (2FA) and Google Authenticator

isn't there a list of banks/FI's that support the MFA (Multi Factor Auth)? unfortunately my CU (GTE) doesn't support MFA yet but I remember seeing a thread with the list of institutions supporting MFA on BH.... you should check if your FI supports the MFA and go for it if it does. There's too much r...
by aqan
Mon Jan 08, 2018 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Tobacco Stocks
Replies: 10
Views: 1147

Re: Tobacco Stocks

I have quite some time before retirement, and I have all of my portfolio in ETFs. Now that I am properly prepared for market fluctuations, I'd be willing to take on the risk of purchasing individual stocks. I've taken interest into Philip Morris (PM), because it isn't subject to US lawsuits, and th...
by aqan
Fri Jan 05, 2018 12:19 am
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 27171

Re: Hitting The Sell Button

A nice problem to have but if I was 35 years old, I would simply be enjoying the ride. I'm 35 but certainly do not enjoy investing new money into stocks at a Shiller PE of 33. I already changed my AA from 80/20 to 75/25 but still feel uneasy about that. I'm 45. Changed my allocation to 60/40 for th...
by aqan
Wed Jan 03, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 133
Views: 13044

Re: Embarrassment Preventing Retirement Work: A factor for you?

I don't need the income, but wonder what it would be like to work various part-time jobs. I've thought about being a checkout clerk at Whole Foods or something similar. One thing that holds me back is that I've been quite successful in my community and I am certainly not anonymous. When I think abo...
by aqan
Sun Dec 31, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Solo 401k - Contribution Options
Replies: 7
Views: 572

Re: Fidelity Solo 401k - Contribution Options

That’s what bugs me too. I spoke to the rep last year and they said that there’s no other way, they need to keep a record of contribution.
by aqan
Wed Dec 27, 2017 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Should I continue paying off debt like I did in 2017?
Replies: 7
Views: 1618

Re: Should I continue paying off debt like I did in 2017?

Paying off debt certainly feels good. I'd allocate some of that money to the mortgage and taxable account (stocks/mf?). you're effectively getting ~3% return on your debt payoff due to it being tax deductible may not be a bad idea to invest some in a taxable account to get a better return over a lon...
by aqan
Sun Dec 24, 2017 8:00 am
Forum: Personal Finance (Not Investing)
Topic: cost basis of inherited home sold after 18 months
Replies: 7
Views: 976

Re: cost basis of inherited home sold after 18 months

I don't see why you'd do anything other than use the appraisal, given that a qualified appraiser has determined the value on the date of death. Why would your guess or theories about the value be more meaningful than a professional appraisal? I agree. If you had qualified appraiser appraise the hou...
by aqan
Fri Dec 22, 2017 6:56 am
Forum: Investing - Help with Personal Investments
Topic: Feels dumb to hold bonds - Currently 70% Stocks 30% Bonds
Replies: 97
Views: 12107

Re: Feels dumb to hold bonds - Currently 70% Stocks 30% Bonds

I’m in the same boat. Nothing wrong with 30% bonds in this market. Plus you’ll have something to sell and buy stocks when there’s a sale.
by aqan
Thu Dec 21, 2017 10:13 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 102
Views: 11199

Re: Any Instant Pot users here?

harrington wrote:
Thu Dec 21, 2017 7:20 pm
aqan wrote:
Thu Dec 21, 2017 6:05 pm
Lol. Is it only me who thought it was a new kind of POT.
Nope I did too :oops:
would have been great to see a pot thread on BH. :D :D
by aqan
Thu Dec 21, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 102
Views: 11199

Re: Any Instant Pot users here?

Lol. Is it only me who thought it was a new kind of POT.
by aqan
Sun Dec 17, 2017 8:15 am
Forum: Investing - Help with Personal Investments
Topic: How invest Bitcoin Gold/Cash using ACH
Replies: 24
Views: 2275

Re: How invest Bitcoin Gold/Cash using ACH

Time to short? This seems to be getting crazy. I cringe when I hear the radio news people call Bitcoin a "stock", though :oops: when doing their morning reports and commentary. Maybe get in touch with this party person https://www.bogleheads.org/forum/viewtopic.php?f=1&t=234790&p=3668021#p3668021 ?...
by aqan
Sun Dec 17, 2017 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Buy home with structural issues
Replies: 51
Views: 3837

Re: Buy home with structural issues

A solution is to buy and then spend the $20k on the corrections as noted. I'd think that the center of the house where the sag is would be cranked back up into proper level during this process. I agree that’s a solution. My concern is if there will be continuing problems and what it will do to my r...
by aqan
Sat Dec 16, 2017 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: When to move into bonds
Replies: 53
Views: 5317

Re: When to move into bonds

100% sounds like a lot of risk, I’d start taking something off the table while the stocks are still at all time high.
Your ultimate bond allocation depends upon your comfort level but anything 20+% sounds reasonable to me.
by aqan
Mon Dec 11, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: A Trip to Russia
Replies: 81
Views: 4659

Re: A Trip to Russia

Are you taking an arranged tour? Unless you speak Russian, it's not easy to do Russia by yourselves. I travelled to Moscow in 2000 with some friends and at that time I don't think we ran into any english speaking people. Oh yeah the highlight of the trip was that we got cornered by a army jeep a, b...
by aqan
Sun Dec 10, 2017 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 6342

Re: Does this happen to you? Educating friends about personal finance

If they do want a free advice, google is their friend. A few years ago i landed on bogleheads via google. And instantly realized the value of it. If a friend asks you just point them to BH and if they like they will discuss further. There’s no point shoving it down their throats:) As for the 1.5% ad...
by aqan
Sat Dec 09, 2017 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Pakistan Real Estate?
Replies: 38
Views: 3702

Re: Dubai and Pakistan Real Estate?

Not advocating this by any means. Difficult to find a pure reit play from within the US. THIS REIT has about 30 per cent reit in UAE. https://www.forbes.com/sites/kenrapoza/2015/01/26/how-to-buy-into-uaes-futuristic-real-estate-market/#62b9db25491e http://portfolios.morningstar.com/fund/summary?t=U...
by aqan
Thu Dec 07, 2017 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 149
Views: 17130

Re: A good friend has nearly $1M in BitCoin what do I tell him?

The word is that a bunch of crooked men (or women) propping up the price and will short it like hell as soon the futures trading begins
by aqan
Wed Nov 29, 2017 11:47 pm
Forum: Investing - Theory, News & General
Topic: Hedge Market Risk By Short Selling Index ETF Or Selling Index Futures?
Replies: 27
Views: 2060

Re: Hedge Market Risk By Short Selling Index ETF Or Selling Index Futures?

greg24 wrote:
Wed Nov 29, 2017 1:47 pm
For most people, derivatives increase risk, not reduce it.
Not true. its a zero sum game.. Buyers loss is sellers profit. so if it's increasing risk for one party it will be reducing for the other.
by aqan
Wed Nov 29, 2017 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 149
Views: 17130

Re: A good friend has nearly $1M in BitCoin what do I tell him?

This is what i'd say.
Great job bud. Thank god you didn't listen to me when I told you to sell it at $200. Now lets go drink some beer and talk about something not money.
by aqan
Wed Nov 29, 2017 12:08 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 11668

Re: Didn't buy Bitcoin at $4600

Amazon is a real company with huge assets and operations, some quite successful. of course it is but could you picture yourself saying the same at the height of dotcom bubble? At that time amazon was just a bet on future of e-commerce just like BitCoin is a bet on future of digital currency. I'm no...
by aqan
Mon Nov 27, 2017 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $1,400,000 house
Replies: 93
Views: 9217

Re: Can I afford a $1,400,000 house

Really? The mortgage payment is high but collectively they'll make 650K and I'm guessing they're both doctors.. so the job will be safe enough. "The job," meaning the field of medicine, may be safe enough to easily afford this house. But new attending physician jobs straight out of training have so...
by aqan
Mon Nov 27, 2017 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 11668

Re: Didn't buy Bitcoin at $4600

I say this bubble will pop at 10K. But I’m doubting myself as I’m typing this. So let’s says you ride this bubble, when do you sell? There is no PE10 to tell us how richly valued it is is. There are no profit or quarterly reports. There is always the threat of news that seems like it can be the las...
by aqan
Mon Nov 27, 2017 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: GE - a good value?
Replies: 113
Views: 10620

Re: GE - a good value?

Good morning BH community, Just made another pot of coffee and starting my morning. Getting ready to take my little puppy (1 year old German Shepard) in to get her fixed. Getting my Boglehead fix in first. :D after 100 posts you think this is the place to ask about individual stocks? Why not? I’ve ...
by aqan
Mon Nov 27, 2017 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $1,400,000 house
Replies: 93
Views: 9217

Re: Can I afford a $1,400,000 house

I am confused on income. What do you each make now including bonuses? Right now $330k + $56K. In 8 months spuose's income goes to 320k + bonus I would say you don't make enough. I would save more. I think you will be house poor. Really? The mortgage payment is high but collectively they'll make 650...