Search found 334 matches

by aqan
Mon May 21, 2018 6:56 am
Forum: Investing - Theory, News & General
Topic: will the SP500 double in 7 years?
Replies: 101
Views: 11186

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: 96
Views: 9743

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: 933

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: 933

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: 933

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: 127
Views: 8982

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: 18
Views: 1558

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: 2321

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: 9216

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: 14
Views: 906

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: 8904

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: 8904

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: 1710

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: 4423

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: 6550
Views: 1405530

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: 440

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: 13018

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: 1687

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: 9203

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: 164

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: 1221

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: 7320

Re: AAPL, AMZN, or GOOG?

All three. Throw in MSFT and TSLA as well. Can’t go wrong with an tech etf either.
by aqan
Sat Feb 24, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 186
Views: 24764

Re: TurboTax Prices

Turbo Tax Premier is $69 @ Amazon now. Right, and it's been pretty stable since end of November, except for one day (Dec 7) where it dropped to $54.86... for about four hours. I did get the camelcamelcamel notification that day, but by the time I got around to buying it the price had already been c...
by aqan
Thu Feb 22, 2018 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about selling GE to invest in an index fund
Replies: 25
Views: 2905

Re: Thinking about selling GE to invest in an index fund

No one knows whether or not the stock has hit the bottom but You’ve probably taken the biggest hit already. Moreover its only 2% of your portfolio. Unless you’re taking a capital loss I don’t see the point in selling now?
by aqan
Sat Feb 17, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 11602

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: 2663

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: 12048

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: 81
Views: 10051

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: 6550
Views: 1405530

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: 2117

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: 6550
Views: 1405530

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: 6550
Views: 1405530

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: 6550
Views: 1405530

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: 16423

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: 2117

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: 1604

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: 366

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: 8501

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: 2858

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: 545

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: 3548

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: 8911

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: 3243

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: 5168

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: 2481

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: 4967

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: 4952

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: 77
Views: 9310

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: 743

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: 1242

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...