Search found 271 matches

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: 5238

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: 12
Views: 1117

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: 140
Views: 13337

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: 25
Views: 1611

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: 140
Views: 13337

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: 10572

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: 8458

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: 10572

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: 97
Views: 7677

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: 8458

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...
by aqan
Mon Nov 27, 2017 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $1,400,000 house
Replies: 93
Views: 8458

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

anon1212 wrote:
Mon Nov 27, 2017 8:20 pm
LarryAllen wrote:
Mon Nov 27, 2017 7:56 pm
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
boy.. 56K to 320K in 8 months... lucky you OP. go buy that house and some nice furniture too.
by aqan
Mon Nov 27, 2017 7:06 am
Forum: Investing - Help with Personal Investments
Topic: GE - a good value?
Replies: 97
Views: 7677

Re: GE - a good value?

PFInterest wrote:
Tue Nov 21, 2017 10:38 am
after 100 posts you think this is the place to ask about individual stocks?
Why not? I’ve seen posts about pretty much everything here..
all questions welcome.
by aqan
Sun Nov 26, 2017 10:11 pm
Forum: Personal Consumer Issues
Topic: Google Project Fi - "Device Protection" problem
Replies: 20
Views: 1085

Re: Google Project Fi - "Device Protection" problem

IMO In the long run the money spent on device protection is money down the drain unless you're extremely accident prone. The device value plummets as soon as the new version is launched, most devices are not worth much two years from purchase and hence can be replaced from eBay/CL pretty economicall...
by aqan
Sun Nov 26, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 10572

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.
by aqan
Thu Nov 16, 2017 5:37 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4184
Views: 1114705

Re: U.S. stocks in freefall

flyingaway wrote:
Wed Nov 15, 2017 10:33 am
Is the big one coming?
You should know better to not ask this question on BH
by aqan
Wed Nov 15, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)
Replies: 50
Views: 3883

Re: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)

I live in southern CT and funnily enough didn’t consider CT to be high tax state. Compared to neighboring NY, CT is lower in income and RE taxes. Although I must warn you that cost of living is quite high, coming from Dallas TX you will feel it every time you buy something. E.g. 10 year ago I paid $...
by aqan
Sun Nov 12, 2017 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Paying off Home mortgage, partner doubts?
Replies: 40
Views: 3000

Re: Paying off Home mortgage, partner doubts?

Kind of weird question.. Would a typical BH homeowner inform wife that you will be paying off mortgage? The insight this board gives me into some people's marriages makes me glad I am not married. Life is full of problems my friend. Married or not you will find yourself dealing with issues, disagre...
by aqan
Sun Nov 12, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Paying off Home mortgage, partner doubts?
Replies: 40
Views: 3000

Re: Paying off Home mortgage, partner doubts?

I’d certainly tell her especially because she already has an opinion about it. You should both discuss and decide the course of action. BTW I kinda agree with her. There’s no point paying down a 3% mortgage. After tax savings it probably costs you 2 and change. Better off investing or putting your m...
by aqan
Sun Nov 05, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: bidets
Replies: 35
Views: 3206

Re: bidets

I recently got a bidet add on from Amazon after reading endorsements on another forum. It's pretty awesome, I have to say. Does anyone else here use one? I got a Luxe Bidet Neo 185, which has male/female nozzles but only cold water. Pretty basic. Wondering what other features other BHs recommend or...
by aqan
Sun Nov 05, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: bidets
Replies: 35
Views: 3206

Re: bidets

Sparky1500 wrote:
Sun Nov 05, 2017 11:39 am
Costco is having a great sale on a luxury bidet add-on seat. I ordered 2 as Christmas presents to us from us.

https://www.costco.com/Bio-Bidet-USPA-6 ... 15779.html
you'll need a power outlet near the seat
by aqan
Sun Nov 05, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: bidets
Replies: 35
Views: 3206

Re: bidets

Incendiary wrote:
Sat Nov 04, 2017 9:55 am
stan1 wrote:
Sat Nov 04, 2017 9:47 am
Oh gosh, warm water sounds like a good idea.
It's actually not so bad with cold water. :happy
i second that.. especially if you had something spicy the night before
by aqan
Sat Nov 04, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 11412

Re: Got an iPhoneX

Thx OP.
I just decided that I'm getting one too.. $750 for 8+ vs $1000 for X.. sometimes you gotta splurge.
by aqan
Sat Nov 04, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: How secure are Wi-Fi cameras?
Replies: 28
Views: 2312

Re: How secure are Wi-Fi cameras?

I just remembered after seeing this post that the other day I noticed that my camera started panning on its own. I guessed that good for nothing fella has hacked into it and I just switched it off.. haven't had a need to turn it back on yet.
by aqan
Sat Nov 04, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 11412

Re: Got an iPhoneX

angelescrest wrote:
Fri Nov 03, 2017 9:06 pm
I am impressed with mine, more than I expected. But, it’s just a phone, it’s not going to change your life.
Lol. It changed the life of a lot of people at Apple.
by aqan
Thu Nov 02, 2017 7:42 am
Forum: Investing - Help with Personal Investments
Topic: My 401k is almost all cash now. 1/2 Mil
Replies: 89
Views: 8968

Re: My 401k is almost all cash now. 1/2 Mil

True story: my wife forgot about an old 401k account from 2013 until about a month ago. She was invested in a target retirement account, and when we discovered the account, we found that the value had increased by 50% since the last time we checked it. Turns out that ignoring the noise (even uninte...
by aqan
Thu Nov 02, 2017 7:37 am
Forum: Investing - Help with Personal Investments
Topic: My 401k is almost all cash now. 1/2 Mil
Replies: 89
Views: 8968

Re: My 401k is almost all cash now. 1/2 Mil

I empathize with OP, having recently gone to about 80% cash on a slightly bigger IRA before heading to Europe for two months. I wanted peace of mind in the event of a seasonal dip (?). Of course it didn't eventuate. No regrets, but now I have to get back in at slightly higher prices. I see my extre...
by aqan
Wed Nov 01, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 308
Views: 22239

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

So model 3 is not fetching any premium yet? I thought that there would be big demand from enthusiasts.
by aqan
Wed Nov 01, 2017 9:18 pm
Forum: Investing - Theory, News & General
Topic: CDs, general questions, ladders, etc.
Replies: 39
Views: 2412

Re: CDs, general questions, ladders, etc.

imho: not having at least 20 to 25% in equities is risky. equity is fractional ownership in companies that are actually producing stuff... creating tangible value. sure it fluctuates in market price...yes.. but a ton of guys work hard everyday to correct their mistakes and figure out how to make a ...
by aqan
Mon Oct 30, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k is almost all cash now. 1/2 Mil
Replies: 89
Views: 8968

Re: My 401k is almost all cash now. 1/2 Mil

What would you do? I'd stay in cash and visit this forum everyday. There are a ton of threads with similar questions and personally it took me a while (~6 months) to absorb the wealth of knowledge available here. you need to complete internalize the fact that market timing is fool's chase. You coul...
by aqan
Fri Oct 27, 2017 5:00 am
Forum: Personal Finance (Not Investing)
Topic: "Morningstar names best 529 college savings plans for 2017"
Replies: 17
Views: 2487

Re: "Morningstar names best 529 college savings plans for 2017"

Dang.. my CHET (CT) plan is bronze... should i be concerned? Just started last year.
BTW what do you guys think about out of state 529? Worth venturing into?
by aqan
Wed Oct 25, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime customers can now give Amazon access to their home
Replies: 53
Views: 4571

Re: Amazon Prime customers can now give Amazon access to their home

I bought an electronic lock which can be opened using a code or phone app. Wife wouldn’t let me install it. Can’t imagine she would even want to talk about give amazon a free access to our house.
by aqan
Wed Oct 25, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: Package addresssed to my address, someone else's name, on house I am selling
Replies: 35
Views: 2751

Re: Package addresssed to my address, someone else's name, on house I am selling

How do I go about getting the package to the right place? Do I need to be concerned someone may be using my unoccupied house as a drop point for illegal activity? (E.g., identify thief mailing things to an unoccupied house?) Yes, you should be concerned. Return the package to the sender and write "...
by aqan
Wed Oct 25, 2017 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Generous Insurance Claim. Should I worry?
Replies: 23
Views: 2187

Re: Generous Insurance Claim. Should I worry?

Keep it. Will come handy when they jack up your premium.
by aqan
Mon Oct 23, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Pay lump sum to get rid of PMI?
Replies: 13
Views: 1594

Re: Pay lump sum to get rid of PMI?

makes total sense.. save $123 in PMI and $80 in interest payment (even if your mortgage payment remains same you'll be paying $80 more towards the principal). so essentially you're recouping $203/month or $2400/year. no-brainer to me.
by aqan
Sat Oct 21, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Worry market crush, selling 50%, but increase buying 100%
Replies: 69
Views: 6669

Re: Worry market crush, selling 50%, but increase buying 100%

I did some AA this month, move AA to 50/50. However, I did 401k purchase allocation to 100% into equity. US/Intl 50/50. Yes, I am more comfortable. I will capture 50% of market gain but limit 50% loss. In case of crash, I will be all in again. This year is good for me. I am up 18.8%. In my experien...
by aqan
Sat Oct 21, 2017 8:23 pm
Forum: Investing - Theory, News & General
Topic: Shiller: the 1987 stock market panic can happen again
Replies: 29
Views: 2816

Re: Shiller: the 1987 stock market panic can happen again

ray.james wrote:
Sat Oct 21, 2017 1:12 am
circuit breakers?
Last I know they are at 7.5% and 10%.
7.5% & 13%. - 15 minute halt
20% - done for the day.
by aqan
Sat Oct 21, 2017 8:15 pm
Forum: Investing - Theory, News & General
Topic: Shiller: the 1987 stock market panic can happen again
Replies: 29
Views: 2816

Re: Shiller: the 1987 stock market panic can happen again

The markets now have a 20% circuit breaker that closes the market through the next day. So a panic of that magnitude would at least be halted for some time for reflection. Would mutual fund owner's orders placed after the circuit broke not be fulfilled till the end of the next actual trading day? M...
by aqan
Sat Oct 21, 2017 8:12 am
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 5816

Re: Is a crash coming soon?

These "market crash" threads are getting more and more annoying in my personal experience when they become unbearable they market will be ripe for a crash.
We could probably create a fear index out of these threads..
BTW OP checkout the "US stocks in free fall" thread.
by aqan
Sat Oct 21, 2017 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Where to park $100,000 safely for 2-3 years?
Replies: 17
Views: 2639

Re: Where to park $100,000 safely for 2-3 years?

https://www.gtefinancial.org/for-member ... te-special
have a look at GTE Financial credit union 30 month 2.5%/2.75% for jumbo CD seems spectacular .

Certificate Speacial

Jumbo Special
by aqan
Tue Oct 17, 2017 5:47 am
Forum: Investing - Help with Personal Investments
Topic: Buying Employer Shares
Replies: 13
Views: 921

Re: Buying Employer Shares

my firm offers ESPP at 15% discount too. I can invest 25K max receive a guaranteed 15% return + any gains in stock price since the beginning of grant period if sold immediately. If your company doesn't put any restrictions on the sale of the stock, I don't see you would reject a guaranteed 15% retur...
by aqan
Mon Oct 16, 2017 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Joined the 1 comma club today!!!
Replies: 18
Views: 3604

Re: Joined the 1 comma club today!!!

Today I placed the order that gave me 1,000 shares of VTI (Vanguard Total Market ETF) in my taxable account. Reaching this mark as a goal for 2017 as I work to increase the amount of equities held in my taxable accounts. I am now a proud member of the 1 comma club . one comma as is 1,000 shares of ...
by aqan
Sun Oct 15, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: I need a better online checking w billpay and mobile check deposit
Replies: 34
Views: 2797

Re: I need a better online checking w billpay and mobile check deposit

ProfLA wrote:
Thu Oct 12, 2017 11:30 am
8foot7 wrote:
Thu Oct 12, 2017 11:27 am
ProfLA wrote:
Thu Oct 12, 2017 9:59 am
Charles Schwab bank online platform and Christine service have been superb for me. The monthly deposit limit is $100,000.
What is Christine?
Sorry, customer service. Damn autocorrect!!! :oops:
you had my attention for a moment :)
by aqan
Sun Oct 15, 2017 7:59 am
Forum: Investing - Help with Personal Investments
Topic: should I buy in Record High? S&P 500
Replies: 43
Views: 5916

Re: should I buy in Record High? S&P 500

Man look at where we are now. This post is really telling. Indeed. According to the OP, they bought into the S&P500 at an "all-time high" closing price of 2053.44. This past Friday, the S&P 500 closed at 2553.17, an increase of over 24%. Nobody knows nuthin'. and this includes a drop of ~10% in 201...
by aqan
Sat Oct 14, 2017 4:03 pm
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 3648

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

If you had to choose, which equity exposure would you rather have, 100% Apple stock or 100% S&P 600 small cap index? I'm wondering, since they have approximately the same market cap. Apple is worth $803 billion and the combined value of the constituents in the S&P 600 is $780 billion. Total stock m...
by aqan
Fri Oct 13, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: How NOT to open a new Ally Bank account
Replies: 21
Views: 23683

Re: How NOT to open a new Ally Bank account

same thing here.. got REJECTED for a savings account, they just won't tell me whats missing and asked me to apply over the phone all over again. despite assuring that they will instantly let me know if there were any issues... my application went into review AGAIN and the guy couldn't explain why. a...
by aqan
Fri Oct 13, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 5476

Re: Which Streaming Service/Live TV?

don't get directv now.. the DVR function is a joke. only a few channels support it and its hit or miss where available. Changing channels is a nightmare. Extremely clunky software (on both android and apple). you'd expect a ton of cool features since the service is software based but in the one year...
by aqan
Fri Oct 13, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 58
Views: 5369

Re: Outback Vs Forester Vs CR-V ??

I've had a forester for 5 years now. awesome car, plenty of room, handles really well in wet/snow conditions.
by aqan
Thu Oct 12, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve 50k points for private banking checking relationship
Replies: 12
Views: 1730

Re: Chase Sapphire Reserve 50k points for private banking checking relationship

I received the call too but the guy didn't offer me any points. anyone setup an appointment yet?
by aqan
Tue Oct 10, 2017 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4458

Re: 2 factor authentication - What if something happens to you?

I have an extensive "death book" entitled "Everything You Need To Know To Handle My Estate" in excel which contains all the information my executor will ever need to quickly and efficiently handle my estate (including access to PW, backup access information, and a whole lot of other details). The e...