Search found 295 matches

by DrGoogle2017
Sat Oct 21, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: Questions for Landlords - How clean is clean?
Replies: 35
Views: 1414

Re: Questions for Landlords - How clean is clean?

Cleanliness depends on a person. I swear I don’t see dirt at all.
by DrGoogle2017
Sat Oct 21, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for medical school for son?
Replies: 42
Views: 1400

Re: Paying for medical school for son?

My nephew owes at least $400k for medical school, he is now working 7 days a week. I do think it’s good for character building, he is young and healthy, so why not. His undergraduate was free, all scholarship money.
by DrGoogle2017
Sat Oct 21, 2017 12:08 pm
Forum: Investing - Theory, News & General
Topic: 401k "only" up 13.5% YTD
Replies: 17
Views: 1295

Re: 401k "only" up 13.5% YTD

Mine is up more than 10%, last I checked I was less than 30/70. My AA fluctuates, but no more than 50/50.
by DrGoogle2017
Sat Oct 21, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 81
Views: 4730

Re: Does anyone here with net worths north of $1 mil use financial advisors?

I was thinking I might need a FA for a larger amount, maybe between $20-$50 million. By then I shouldn’t have to worry. Maybe I should just put 100% in the stock market, if it drops 50%, I still have $10-$25 million to spend.
by DrGoogle2017
Fri Oct 20, 2017 1:34 pm
Forum: Investing - Theory, News & General
Topic: Regular Taxable Accounts vs Tax-Advantaged
Replies: 19
Views: 1742

Re: Regular Taxable Accounts vs Tax-Advantaged

I have all 3 types of account because each has its own advantage. There's limitation with Roth and Traditional IRA.
by DrGoogle2017
Fri Oct 20, 2017 1:09 am
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 93
Views: 7394

Re: how long did it take to get used to retirement

I think it takes about 2 years, thats how long I’ve been retired and finally don’t feel bored. Plenty of time for regular exercise. Plenty of time to catch up on my sleep. Plus now I’ve developped a regular programming for my husband and I. We’re are enjoying our retirement life. Plus I have a long ...
by DrGoogle2017
Fri Oct 20, 2017 1:03 am
Forum: Personal Finance (Not Investing)
Topic: How soon to cancel a credit card after signup bonus.
Replies: 27
Views: 2353

Re: How soon to cancel a credit card after signup bonus.

I usually cancel them before I forget and get charged some fees.
by DrGoogle2017
Thu Oct 19, 2017 11:04 am
Forum: Investing - Theory, News & General
Topic: Dow more than tripled in 8 years
Replies: 6
Views: 916

Re: Dow more than tripled in 8 years

You’re missing a zero, it’s 23,000+ not 2300+.
by DrGoogle2017
Tue Oct 17, 2017 12:08 am
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 5412

Re: What do you buy in Asian food stores?

Curry leaves from British Indian shop.
by DrGoogle2017
Mon Oct 16, 2017 11:07 pm
Forum: Investing - Theory, News & General
Topic: Roth as good as you think?
Replies: 29
Views: 3447

Re: Roth as good as you think?

I do both and I advised my kids to do both. Max out 401k contribution so it will lower your tax threshold so you can qualify for Roth IRA contribution.
by DrGoogle2017
Sat Oct 14, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Anyone Ever Jackhammered a Concrete Patio?
Replies: 27
Views: 1584

Re: Anyone Ever Jackhammered a Concrete Patio?

Not a large patio but a small 2’ by 2’ step about 3 inches thick. My husband and could do it but we paid our tall( 6.2 ft and above) strapping nephews $50 per person to help and they did remove in less than 10 minutes. They did enjoy the experience. If you know some young strapping boys, that would ...
by DrGoogle2017
Thu Oct 12, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: HSA’s: What level of risk do you prefer?
Replies: 58
Views: 3747

Re: HSA’s: What level of risk do you prefer?

It’s a very small amount and treat it as gambling money. The money has been sitting in my DCU account earning less than 1%. This year I’m making up for lost time. Up 30% so far investing in individual stocks. I originally was thinking of using it for future dental implants. If I keep making this kin...
by DrGoogle2017
Wed Oct 11, 2017 12:30 am
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6400

Re: Asking for discounts

squirm wrote:
Tue Oct 10, 2017 9:41 pm
guys are just more aggressive at trying to get a better deal. My wife never ask either....i'm the one always asking and jockeying for the discounts...i'm fine with that.
I wouldn’t stereotype either. My husband is too shy to ask for discount when I’m not.
by DrGoogle2017
Tue Oct 10, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6400

Re: Asking for discounts

I always ask for senior discount for my husband. Small amount but it beats bending down and picking up pennies, which is something I don’t do. Picking up pennies is an exercise for the back. It saves the mattress cost. Victoria I have Pilates for that and belly dancing. It costs more money to wash ...
by DrGoogle2017
Mon Oct 09, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Rent or Sell
Replies: 12
Views: 816

Re: Rent or Sell

It’s a good time to sell. I suggest selling.
by DrGoogle2017
Mon Oct 09, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6400

Re: Asking for discounts

I always ask for senior discount for my husband. Small amount but it beats bending down and picking up pennies, which is something I don’t do.
by DrGoogle2017
Mon Oct 09, 2017 11:10 am
Forum: Investing - Theory, News & General
Topic: Does anyone hold cash?
Replies: 58
Views: 5570

Re: Does anyone hold cash?

If you count VCSH as cash then I have over 40% cash, my AA needs rebalancing but I’m going to let it ride until year end before rebancing.
by DrGoogle2017
Mon Oct 09, 2017 9:36 am
Forum: Investing - Help with Personal Investments
Topic: What advice to give 21 year old?
Replies: 133
Views: 9401

Re: What advice to give 21 year old?

I know somebody who graduated from UC Berkeley EECS recently, I doubt that she makes over $150k. The company she works for is stable but not FAANG like, not exciting, just a stable company. It took her 5 years to graduate and her mom said she did have very high GPA her freshman year, more like 3.8 G...
by DrGoogle2017
Mon Oct 09, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Any mileage plan experts?
Replies: 8
Views: 953

Re: Any mileage plan experts?

LifeIsGood wrote:
Mon Oct 09, 2017 5:09 am
DaftInvestor wrote:
Sun Oct 08, 2017 8:09 pm
Free magazine or Wall Street Journal subscriptions is an option. Magsformiles.com
WSJ is NOT listed under any of the mileage programs at Magsformiles.com.
They do for new customer only. I received a flyer with WSJ subscription. But when I went online it was not there.
by DrGoogle2017
Sun Oct 08, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Paternity/Maternity Leave & Its Influence on Career Trajectory
Replies: 23
Views: 1681

Re: Paternity/Maternity Leave & Its Influence on Career Trajectory

I would take some time off, at least 8 weeks, but do check on email, you are not completely out. Play it by ear, if things are bad enough at work then you can end it sooner.
by DrGoogle2017
Sun Oct 08, 2017 10:55 am
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 8107

Re: I'm thinking about cashing completely out of equites....

Thanks to this thread, I’m thinking of cashing out a larger chunk than normal to spend on my up coming vacation.
by DrGoogle2017
Sun Oct 08, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Third time in my 32 year career I have been laid off
Replies: 87
Views: 10059

Re: Third time in my 32 year career I have been laid off

I do not understand this post/thread at all. The OP has real estate valued at over $1m, plus $1.6m in investments. I'd figure out a way to sell both properties (not in the same year), move to a LCOL area. Either buy a nice condo/small house or rent and enjoy life. In a LCOL area, you can buy a nice...
by DrGoogle2017
Sun Oct 08, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Spouse gets blowouts? [Hair care]
Replies: 47
Views: 2272

Re: Spouse gets blowouts?

My husband and I never argue about money. But it’s easy for me to say that because I’m the one do all the spending. Haha. Not on blowouts and pedicures, I can’t stand them, but on other stuff.
by DrGoogle2017
Sat Oct 07, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 77
Views: 7035

Re: Tips on Uber

It’s a second job for some people. One woman in my class drives for Uber but she is a state employee with lots of benefits already. The other is a retiree with full pension from an airline company.
by DrGoogle2017
Sat Oct 07, 2017 3:04 pm
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 91
Views: 8813

Re: Flagship Reps

I agree they are useless, I avoid mine. Ocassionally when my daughter’s account need help to sort out something, I call the flagship line and conference her in, it’s faster that way. She’s still a minor in my account.
by DrGoogle2017
Sat Oct 07, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 103
Views: 17935

Re: Growing old without kids or younger caring relatives

I have two siblings who are not married. One is a doctor and has a girl friend in the healthcare profession. Hopefully his girl friend will help him. My other sibling, I have suggested for her to move closer to me and she did. My husband and I are helping her taking care of her yard. If I have the h...
by DrGoogle2017
Sat Oct 07, 2017 12:36 pm
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 103
Views: 6114

Re: Has your "risk tolerance" been tested?

2000 time frame. 100% in stocks. Both my husband and I lost our jobs, it was startup mania in the Bay Area,we were over confident. I learned my lesson well and escaped 2008-2009 downturn. Same with 2015. Luckily we did crawl back to the market in late 2009 and not missing the market ride since.
by DrGoogle2017
Sat Oct 07, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 77
Views: 7035

Re: Tips on Uber

The first time I used Uber I did tip $5, but my daughter hailed the ride, I gave the cash for tip. The second time, I actually used my own account, I didn’t tip. The guy is a retiree and I’m a retiree, so why should I tip him. He drives a better car than mine. I have no idea what my rating is either...
by DrGoogle2017
Sat Oct 07, 2017 11:59 am
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 8107

Re: I'm thinking about cashing completely out of equites....

Every time I see a thread like this the market continues to go up. Good luck with your decision. I thought by being 50/50 means you are half out and half in the stock market, so you can’t be wrong. At least that’s my thinking for having an AA of 50/50.
by DrGoogle2017
Sat Oct 07, 2017 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Third time in my 32 year career I have been laid off
Replies: 87
Views: 10059

Re: Third time in my 32 year career I have been laid off

I’ve been laid off 3 times in my 35 years as an engineer. It’s not uncommon. Worst yet,it always happened during a recession where everybody’s out of work. Take your time and enjoy your time off. You’ll find work again if you want to work, otherwise you are in good shape. Nothing to worry about.
by DrGoogle2017
Sat Oct 07, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks, how safe are they?
Replies: 31
Views: 1876

Re: Paper checks, how safe are they?

This is how I view it when you give someone a check: 1. Here is my name. 2. Here is my address. 3. Here is where I bank. 4. Here is my account number with my money in it. 5. Here is how to forge my signature. Let’s not be too paranoid shall we, otherwise we go back to bartering for goods and servic...
by DrGoogle2017
Sat Oct 07, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks, how safe are they?
Replies: 31
Views: 1876

Re: Paper checks, how safe are they?

I this is the banks’ problem. They need to verify the identity of the people who cash the checks. Some banks don’t cash checks from strangers perio Banks already have an incentive to prevent check fraud: they could be the ones who have to eat the loss from a fraudulent or bogus check. From what I'v...
by DrGoogle2017
Fri Oct 06, 2017 10:28 pm
Forum: Personal Consumer Issues
Topic: Best credit cards for our college kids? (credit building)
Replies: 9
Views: 590

Re: Best credit cards for our college kids? (credit building)

One of mine got a credit card from Bank of America when she was 16. The other one went overseas without a credit card at first, I Just transferred money to her account since I have the same bank.
by DrGoogle2017
Fri Oct 06, 2017 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks, how safe are they?
Replies: 31
Views: 1876

Re: Paper checks, how safe are they?

I this is the banks’ problem. They need to verify the identity of the people who cash the checks. Some banks don’t cash checks from strangers perio
by DrGoogle2017
Fri Oct 06, 2017 11:41 am
Forum: Investing - Theory, News & General
Topic: Time Value of Money (Young Investors)
Replies: 29
Views: 1907

Re: Time Value of Money (Young Investors)

It’s sad for me when my daughter told me nobody her age expects to live till they retire. Such a bunch of pessimistic people she knows. Maybe that’s why they don’t want to invest and just live at the moment.
by DrGoogle2017
Fri Oct 06, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Easier Account Authorization for Spouses/Partners, etc.
Replies: 9
Views: 752

Re: Easier Account Authorization for Spouses/Partners, etc.

Thanks to this thread, I’m going to add me to my husband’s account. He has no interest in finance and I have been managing his account.
by DrGoogle2017
Fri Oct 06, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating merit scholarships
Replies: 32
Views: 2023

Re: Negotiating merit scholarships

I also think the cost of attendance might be slightly exaggerated. My daughter just graduated, but I think I paid between $80k-$100k for four years.
by DrGoogle2017
Fri Oct 06, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Barcelona Hotel Recommendations
Replies: 30
Views: 2201

Re: Barcelona Hotel Recommendations

I booked a hotel that has view of La Sagrada Familia but I’m wondering if it’s worth it, maybe I should book near La Barceloneta, nearer to the ocean. But the week I booked was the cheapest and the price jumps to 3 times the week afterwards, I just felt compelled to take advantage of the deal.
by DrGoogle2017
Fri Oct 06, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 14256

Re: Bay Area Real Estate

[A more likely scenario, in my opinion, is that the core parts of the Bay Area will continue to appreciate at the rates that we've seen over the last few decades, with lower and more volatile (but still high) appreciation in the periphery. The spread of really high prices and the disappearance of a...
by DrGoogle2017
Fri Oct 06, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Retirees, how and how much do you pay for health insurance?
Replies: 33
Views: 3975

Re: Retirees, how and how much do you pay for health insurance?

About $360 for Federal BCBS for a family, plus about $80 for dental insurance, and $128 for Medicare part B. So about $500 for premium per month.
by DrGoogle2017
Fri Oct 06, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating merit scholarships
Replies: 32
Views: 2023

Re: Negotiating merit scholarships

IIRC, you need to keep a good GPA for merit scholarship at UA. I would stay in-state, my daughter ruled out any school that’s in hot area. She can’t stand the heat anywhere. But maybe he’ll get some scholarships from other UCs. Like UCSB or UCR. I remember UCSB gave my daughter $6000 per year. Her f...
by DrGoogle2017
Fri Oct 06, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3868

Re: How do you value your time?

I value my life more than my time. I now park a little further so I can walk, in the past I would do the opposite. We pay for valet parking because it reduces stress, especially when we go out to eat in a nice restaurant. My husband and I try to do most things ourselves, hoping to keep our brain not...
by DrGoogle2017
Thu Oct 05, 2017 5:38 pm
Forum: Investing - Theory, News & General
Topic: Cannot logon to Vanguard using iPad application
Replies: 10
Views: 434

Re: Cannot logon to Vanguard using iPad application

I did have this problem today. I thought I may have mistyped or something.
by DrGoogle2017
Wed Oct 04, 2017 9:49 am
Forum: Investing - Theory, News & General
Topic: Does anyone hold cash?
Replies: 58
Views: 5570

Re: Does anyone hold cash?

I hold lots of cash, probably higher than 20%. Still very decent return. More than 10% YTD for my account.
by DrGoogle2017
Mon Oct 02, 2017 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for 22 year old daughter's portfolio?
Replies: 29
Views: 2155

Re: Suggestions for 22 year old daughter's portfolio?

My 21 just asked me the same question. 80% US Stock index and 20% of international index. All has low ER of .04%. No bonds.
by DrGoogle2017
Mon Oct 02, 2017 12:42 am
Forum: Personal Finance (Not Investing)
Topic: Question About Long Term Care
Replies: 75
Views: 5759

Re: Question About Long Term Care

I bought LTC for five years, the premium was negligible because it was with pretax money. Now that I've retired, it's with after tax money so I cancelled it. I'm glad I did because both of my aunts are in their 90s and still coherent. No Alzheimer's yet, they are still cooking food. One has not even...
by DrGoogle2017
Sun Oct 01, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7395

Re: What will happen if I refuse to pay a medical bill?

I would negotiate with the doctor's office. They are as much to blame. And they lose just as much if the bill is going to collection. I did refuse to pay one doctor and asked him to remove the fee, I had bigger reason to sue him for less than $500 bill. He did. On another occasion, I moved over the ...
by DrGoogle2017
Sun Oct 01, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: which of my 6 credit cards to keep?
Replies: 11
Views: 1302

Re: which of my 6 credit cards to keep?

I would close all AE cards at least. I don't check every month on every cards, once I'm done spending the required amount to get the rewards, the card is cut and stored in my special sandwich bag. However, before I do, I take a picture of each card front and back. So at most I will only pay 2 credit...