Search found 140 matches

by Faisal
Tue Aug 04, 2020 3:28 am
Forum: Personal Finance (Not Investing)
Topic: Any fundamental reasons that a co-op would be cheaper than a condo?
Replies: 15
Views: 1322

Re: Any fundamental reasons that a co-op would be cheaper than a condo?

Having lived in NYC and looked at the difference between the significantly here is the basic difference between the two. 1. Condo - Freedom 2. Co-op - Limited freedom. And this is what I mean. With a Condo you can make any changes to your apartment as you see fit, you can make lay out changes, make ...
by Faisal
Mon Aug 03, 2020 10:34 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19474
Views: 2697100

Re: U.S. stocks in free fall

Its amazing how disconnected the US stock market is to the fundemental economics of major economies. Before you get worked up about the validity of that question, you first need to ask yourself how connected the stock market has ever been to 'fundamental economics of major economies'. For instance,...
by Faisal
Mon Aug 03, 2020 10:09 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19474
Views: 2697100

Re: U.S. stocks in free fall

I was informed this was a better place for my post. Its amazing how disconnected the US stock market is to the fundemental economics of major economies. Its frankly extremely worrying while companies like Apple hit new marks and 2 million value mark, World economies are contracting faster and ever b...
by Faisal
Mon Aug 03, 2020 10:03 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 7463
Views: 607183

Re: U.S. stocks continue to soar!

Its amazing how disconnected the US stock market is to the fundemental economics of major economies. Its frankly extremely worrying while companies like Apple hit new marks and 2 million value mark, World economies are contracting faster and ever before. If this continues into the third quarter i a...
by Faisal
Mon Aug 03, 2020 9:50 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 7463
Views: 607183

Re: U.S. stocks continue to soar!

Edit - Deleted. Was informed there was a more appropriate thread to post the doom and gloom and general concerns about the stock market.
by Faisal
Sun Aug 02, 2020 8:16 am
Forum: Personal Consumer Issues
Topic: Book recommendations on leadership and management
Replies: 18
Views: 1351

Re: Book recommendations on leadership and management

Thanks guys. Will look into these books too.
by Faisal
Sat Aug 01, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: Book recommendations on leadership and management
Replies: 18
Views: 1351

Re: Book recommendations on leadership and management

Thank you all for the recommendations. Sorry for the delayed reply but I was deep in the field without internet access for this time. I noticed they are a lot of military orientated recommendations which i will definitely read as some of the skills translate into my field of work. The effective exec...
by Faisal
Tue Jul 14, 2020 8:51 pm
Forum: Personal Consumer Issues
Topic: Book recommendations on leadership and management
Replies: 18
Views: 1351

Book recommendations on leadership and management

I am currently finishing off a role where i was responsible for manging and briefing senior officials in my organization on the the latest political developments world wide and a very specific reason in the world. I learned a tremendous amouth about myself personally and professionally and one thing...
by Faisal
Sat Jul 11, 2020 9:31 am
Forum: Personal Consumer Issues
Topic: Who is your favorite fiction author and what is your favorite book of theirs?
Replies: 121
Views: 5658

Re: Who is your favorite fiction author and what is your favorite book of theirs?

Brandon Sanderson is my favorite these days, and my favorite work is the Mistborn series of novels -- a fantastic that begins life as an elaborate heist plot to steal the greatest treasure in a fantasy setting that's new and lovely (ok, it's a dirty, terrible, almost post-apocalyptic setting, so no...
by Faisal
Wed Jun 10, 2020 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1693
Views: 425130

Re: Share your net worth progression

In my case its been an interesting change in fortunes. 2008 to 2013 - Single working in hotspots like Darfur, Afghanistan etc. 2008 - 0 2009 - 60k 2010 - 100k 2011 - 140k 2012 - 190k 2013 - 250k Got married, move to the US had to rent a home, pay for our wedding and general things involved in settin...
by Faisal
Wed Jun 10, 2020 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1693
Views: 425130

Re: Share your net worth progression

Double post.
by Faisal
Thu May 21, 2020 1:06 pm
Forum: Personal Consumer Issues
Topic: Floor are slanting
Replies: 26
Views: 1767

Re: Floor are slanting

It can be a whole gaggle of reasons as to what is the issue. It sounds like an interior wall (not exterior) at the low point of the floor of that room, if so what does the wall directly beneath it look like on the lower floor? Any bowing, cracking, something funny looking about where the ceiling me...
by Faisal
Thu May 21, 2020 12:42 pm
Forum: Personal Consumer Issues
Topic: Floor are slanting
Replies: 26
Views: 1767

Re: Floor are slanting

As others have said a structural engineer, but before taking that step you might just see if it gets worse. Also, since your house was built in 1953, does it have drywall or plasterboard? Is either cracking? Is the mortar cracking around the brick (inside or out)? Does your county / city map if you...
by Faisal
Thu May 21, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: Floor are slanting
Replies: 26
Views: 1767

Re: Floor are slanting

barnaclebob wrote:
Thu May 21, 2020 12:37 pm
Any evidence of termites or carpenter ants?
No termites. No ants. No insects at all in the house taht we have seen. We have seen mice but got that situation fixed with plugging some holes.
by Faisal
Thu May 21, 2020 12:34 pm
Forum: Personal Consumer Issues
Topic: Floor are slanting
Replies: 26
Views: 1767

Re: Floor are slanting

Okay so got one coming in on Tuesday. So lets see what he says. found him on Home advisor seems to have good rating and over 200 verifications.
by Faisal
Thu May 21, 2020 12:04 pm
Forum: Personal Consumer Issues
Topic: Floor are slanting
Replies: 26
Views: 1767

Re: Floor are slanting

Thanks guys. Seeking a structural engineer right now.
by Faisal
Thu May 21, 2020 11:51 am
Forum: Personal Consumer Issues
Topic: Floor are slanting
Replies: 26
Views: 1767

Re: Floor are slanting

Thanks guys. Our inspector was crap and we realized that now that we have seen all these issues. The realtor recommended the inspector and that was our mistake. The first slant near the kitchen existed before. So that we knew about. The new ones are on the second floor where the bedrooms are, and t...
by Faisal
Thu May 21, 2020 11:33 am
Forum: Personal Consumer Issues
Topic: Floor are slanting
Replies: 26
Views: 1767

Re: Floor are slanting

Thanks guys. Our inspector was crap and we realized that now that we have seen all these issues. The realtor recommended the inspector and that was our mistake. The first slant near the kitchen existed before. So that we knew about. The new ones are on the second floor where the bedrooms are, and th...
by Faisal
Thu May 21, 2020 11:18 am
Forum: Personal Consumer Issues
Topic: Furniture for an infant in the living room
Replies: 46
Views: 2617

Re: Furniture for an infant in the living room

Got 2 boys here. 3 year old and 1 year old. So congrats on your first kid. Secondly and more importantly - no rock and play. https://www.usatoday.com/story/money/2019/04/12/fisher-price-rock-n-play-recall-company-recalls-4-7-million-sleepers/3450923002/ It was recalled. So do not buy it. This is a b...
by Faisal
Thu May 21, 2020 11:10 am
Forum: Personal Consumer Issues
Topic: Floor are slanting
Replies: 26
Views: 1767

Floor are slanting

Our home is rather old. Built in 1953. The home is a split level home and the foundation is pure solid concrete. So the ground floor is great and has no problems. However the other two floors have elements which are slanting. Specifically on the first floor where the living room, dining room and the...
by Faisal
Thu May 14, 2020 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Good Time to Buy New Car or Wait?
Replies: 38
Views: 3692

Re: Good Time to Buy New Car or Wait?

We got a 2020 outback permium for 0% APR and roughly 5k off MSRP so it can in below 30k with taxes.

So i would say its a good time to buy and if you wait a few weeks it may get better.
by Faisal
Sun May 10, 2020 8:25 am
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 64324

Re: So bottom is probably behind us....right?

We are gonna hit bottom in the winter. The way the virus is playing out and too many countries are opening up too quickly its gonna get worse economically and socially before it gets better. Also dont forget to factor in political instability in the US in Oct and Nov if the virus is not under contro...
by Faisal
Fri May 08, 2020 2:35 pm
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 521
Views: 21273

Re: "The economy is in free fall. So why isn't the stock market?"

It will shrink again this quarter and will shrink in quarter three from what the WB and IMF Are stating... when the second wave comes its not going to do well at all and the economy will do worse. I see you have forecasts that seemingly run contrary to what is priced in... "Will shrink In quarter t...
by Faisal
Fri May 08, 2020 10:11 am
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 521
Views: 21273

Re: "The economy is in free fall. So why isn't the stock market?"

Basically even though the market is doing well right now, when the second wave comes its not going to do well at all and the economy will do worse. But as the boglehead philiopshy goes keep calm and stick to your strategy. I'm curious...given your expertise and your view on the economy going forwar...
by Faisal
Fri May 08, 2020 8:55 am
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 521
Views: 21273

Re: "The economy is in free fall. So why isn't the stock market?"

I was just about to post the same thing looking at the trends. I have a Master's in Economics and Law - deals specifically with politically economy, world trade and other stuff, so this stock market makes no senses to me. Mind you if you put 10 economists in a room you will get 11 different reasons ...
by Faisal
Wed May 06, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: How do i check if a room has a draft or leak?
Replies: 17
Views: 1099

Re: How do i check if a room has a draft or leak?

I have had one of these for over 5 years and it works great. https://www.amazon.com/BLACK-DECKER-TLD100-Thermal-Detector/dp/B0044R87BE/ref=sr_1_1?crid=RBMTL529TE9H&dchild=1&keywords=black+and+decker+infrared+thermometer&qid=1588633456&sprefix=black+and+decker+infrared%2Caps%2C203&sr=8-1 Thanks will...
by Faisal
Sat May 02, 2020 10:30 am
Forum: Personal Consumer Issues
Topic: How do i check if a room has a draft or leak?
Replies: 17
Views: 1099

Re: How do i check if a room has a draft or leak?

Thanks for all the help guys. The garage ceiling is nit finished. And the garagr door is not insulated.

Looks like i have my summer project with some expert help.

Thank you again.
by Faisal
Fri May 01, 2020 9:14 am
Forum: Personal Consumer Issues
Topic: How do i check if a room has a draft or leak?
Replies: 17
Views: 1099

Re: How do i check if a room has a draft or leak?

Thanks guys for all the inputs.

The room has two exterior walls and two windows in the wall. The room sits over the garage. I am not sure if the floor between the garage and the room is insulated.

Using the baby camera i have figured out it is usually 2 degrees colder than other rooms.
by Faisal
Fri May 01, 2020 8:25 am
Forum: Personal Consumer Issues
Topic: How do i check if a room has a draft or leak?
Replies: 17
Views: 1099

How do i check if a room has a draft or leak?

One of the rooms in the house is always colder than the rest of the house and we cant figure out why. The HVAC works - the room warns up and all it just gets colder much quicker.

Is there some diy way i can figure out why the room is colder?
by Faisal
Thu Apr 16, 2020 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Help us save more money on a monthly basis.
Replies: 50
Views: 3420

Re: Help us save more money on a monthly basis.

Hey guys thanks for all your comments and advice. I did forget the car insurance which is 250 a month. I will update the post with the number once i am done responding. So the percentages come from our spending in 2019 thus the average. I agree our variable costs are extremely high and I honestly ca...
by Faisal
Wed Apr 15, 2020 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Help us save more money on a monthly basis.
Replies: 50
Views: 3420

Help us save more money on a monthly basis.

As always Bogleheads has been a great resources for investments and budgeting and currently we are looking at saving more money on a monthly basis. Basically I want to increase our savings rate. Here is the relevant information. Family of 4 - 2 adults one 3 year old and one 11 month old. Both parent...
by Faisal
Tue Mar 17, 2020 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4630
Views: 318002

Re: Refinance Mega Thread

To everyone who helped earlier a great big thank you for the advice and support. We are in the process of getting the refinance application put in and I got a decent mortgage rate. 2.750 for a 30 year fixed rate. I however am getting quoted a very large closing cost. They are quoting Closing costs o...
by Faisal
Tue Mar 03, 2020 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4630
Views: 318002

Re: Refinance Mega Thread

Need some advice guys. So refinancing to a 10/1 ARM at 4.125 percent with 410,906 left on a 420,000 mortgage. The new mortgage is 30 year fixed rate mortgage at 3.0 percent on the same amount. I am doing it from a federal credit union and they are giving me the following costs 1. Closing costs 6,200...
by Faisal
Sat Feb 29, 2020 7:19 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4005
Views: 307014

Re: Coronavirus and the market

Everyone here realizes that the nCor virus has the lowest mortality rate of any pandemic in 20 years right? Lower than swine, MERS and SARS. Secondly those who have perished have been old or with pre-existing conditions that weaken the immune system. Lastly of the 70,000 infected in China, 30,000 ha...
by Faisal
Tue Feb 25, 2020 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Whole life insurance
Replies: 14
Views: 930

Re: Whole life insurance

Married 2 kids 3.5 years and 9 months. Live in a VHCOL area. The idea is that if i die the organization pays 300k. And term life is 1 million. Mortgage paid off easily with money left to invest and or pay any addition bills and to cover schooling and life in general. I am of course making the assump...
by Faisal
Tue Feb 25, 2020 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Whole life insurance
Replies: 14
Views: 930

Re: Whole life insurance

Thanks guys my search on boglehead basically reinforced the idea that everyone believes in term life over whole life. So a term policy is cheaper, covers the amount I need say 1 million USD and expires after a set period.
by Faisal
Tue Feb 25, 2020 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Whole life insurance
Replies: 14
Views: 930

Whole life insurance

So had a small scare on a Turkish airlines flight. One Engine failed mid flight other almost conked out around landing in Istanbul. So finally decided to look at whole life insurance. Now I have a few questions. My organization has a standard life insurance that covers us anywhere in the world with ...
by Faisal
Sat Feb 15, 2020 10:45 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138672

Re: Coronavirus (Consumer Issues) How you are preparing?

Nothing more than i do for the common flu in the US. While the media reports deaths and stuff note that the mortality rate of the corona virus is less than the flu SARS and H1N1. Right now its close to 2.5%. So wash your hands rest and recover. While people are being infected remember that people ar...
by Faisal
Sun Jan 19, 2020 2:37 pm
Forum: Personal Consumer Issues
Topic: Credit Karma says someone added me as an authorized user on their card
Replies: 30
Views: 3208

Re: Credit Karma says someone added me as an authorized user on their card

okay update - handed over to the mrs as i can't do [anything] from here in Africa.

Equifax has the account and she is disputing it via their online platform. Lets see what happens.

[Edit by moderator oldcomputerguy]
by Faisal
Sun Jan 19, 2020 2:28 pm
Forum: Personal Consumer Issues
Topic: Credit Karma says someone added me as an authorized user on their card
Replies: 30
Views: 3208

Re: Credit Karma says someone added me as an authorized user on their card

Called Barclay - they said they see nothing. They recommend call equifax.
by Faisal
Sun Jan 19, 2020 1:49 pm
Forum: Personal Consumer Issues
Topic: Credit Karma says someone added me as an authorized user on their card
Replies: 30
Views: 3208

Re: Credit Karma says someone added me as an authorized user on their card

A new account was added to your credit report. Update A new address was added to your credit report. Update You were listed as an authorized user on a new account. Hi - Name Removed- Does the info above look right? If not, there are steps you can take to make it right. Log in now to see the full de...
by Faisal
Sun Jan 19, 2020 8:14 am
Forum: Personal Consumer Issues
Topic: Credit Karma says someone added me as an authorized user on their card
Replies: 30
Views: 3208

Re: Credit Karma says someone added me as an authorized user on their card

No prior relationship at all. Got nothing in Barclays or Delaware. Opened no new accounts in a few years now.

I do have a credit karma account and use it every now and then. Nothing else is linked with it.
by Faisal
Sun Jan 19, 2020 7:47 am
Forum: Personal Consumer Issues
Topic: Credit Karma says someone added me as an authorized user on their card
Replies: 30
Views: 3208

Re: Credit Karma says someone added me as an authorized user on their card

It showed up in my equifax credit report. What can I do to fix this problem? This is what i got According to your Equifax credit report, someone added you as an authorized user of their account with BARCLAYS BANK DELAWARE.1 Accounts that you're an authorized user on can affect your credit score jus...
by Faisal
Sun Jan 19, 2020 1:05 am
Forum: Personal Consumer Issues
Topic: Credit Karma says someone added me as an authorized user on their card
Replies: 30
Views: 3208

Re: Credit Karma says someone added me as an authorized user on their card

It showed up in my equifax credit report. What can I do to fix this problem? This is what i got According to your Equifax credit report, someone added you as an authorized user of their account with BARCLAYS BANK DELAWARE.1 Accounts that you're an authorized user on can affect your credit score just...
by Faisal
Sat Jan 18, 2020 11:52 pm
Forum: Personal Consumer Issues
Topic: Credit Karma says someone added me as an authorized user on their card
Replies: 30
Views: 3208

Credit Karma says someone added me as an authorized user on their card

And I know its not my wife and my family.

So what should I do? Is this an issue of concern?
by Faisal
Thu Jan 09, 2020 3:46 am
Forum: Personal Finance (Not Investing)
Topic: What Are Your 2020 Goals?
Replies: 56
Views: 12165

Re: What Are Your 2020 Goals?

Personal 1. Lose Weight - I have gained 40 pounds since I got married and we had 2 kids. 2. Get in better physical shape so I can actually run around with my kids for the next 20 to 40 years. 3. Be a better husband and father Financial 1. Save more money 2. Pay off a larger portion of our mortgage 3...
by Faisal
Wed Jan 08, 2020 7:42 am
Forum: Personal Consumer Issues
Topic: Florida for winter break
Replies: 39
Views: 4782

Re: Florida for winter break

Just wanted to say thank you to everybody who provided advice and locations. We ended up doing Cocoa Beach and Disney for a week and the kids and mrs loved it.

Thanks again!
by Faisal
Wed Jan 08, 2020 7:40 am
Forum: Personal Consumer Issues
Topic: Paying Mother-in-Law for babysitting/Nanny - Social Security related question
Replies: 11
Views: 822

Paying Mother-in-Law for babysitting/Nanny - Social Security related question

We have two boys now and my Mother in Law has been a great help with the boys and we want to pay her for helping us out. The kids adore their grandmother and she does a lot including making sure my wife is not stressed about many things. However I wanted to look at all options of helping out my MIL ...
by Faisal
Sun Dec 15, 2019 7:26 am
Forum: Personal Consumer Issues
Topic: Cable/internet/tv
Replies: 13
Views: 2042

Re: Cable/internet/tv

Live the same area. Look at optimum - it tends to be cheaper but not that great on service.

Though you may wish to look at a combination of a decent internet connection mixed in with Hulu, Netflix, Disney and the Antenna. It will be much cheaper than 200 bucks.
by Faisal
Sun Dec 01, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Florida for winter break
Replies: 39
Views: 4782

Re: Florida for winter break

For those recommending St Pete's - do you have any hotels you have stayed at that you would recommend to a family of 4 with a three year old and a six month old? Thanks. Right now looking at the Sirata and the Beachcomber as they seem to be family friendly and right on the beach. Sirata more than t...