Search found 129 matches

by nexesn
Thu Aug 22, 2019 12:07 pm
Forum: Investing - Theory, News & General
Topic: Chinese property bubble?
Replies: 59
Views: 2337

Re: Chinese property bubble?

I just returned from China and it was really fascinating to hear the locals explain the way they buy property. Here were my key takeaways and I am still amazed by it: - Many Chinese people don't like equities/trust the stock market. They see property as something concrete, something they won't lose...
by nexesn
Thu Aug 08, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: Securing a smartphone for a child
Replies: 16
Views: 712

Re: Securing a smartphone for a child

Here's a great link from Apple discussing all the things you can do with Screen time. I actually didn't realize it was so elaborate and well managed. https://support.apple.com/en-us/HT201304 Edit: Apple is definitely better with general kid protection. They are also much harsher and have a higher s...
by nexesn
Thu Aug 08, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: Securing a smartphone for a child
Replies: 16
Views: 712

Re: Securing a smartphone for a child

Here's a great link from Apple discussing all the things you can do with Screen time. I actually didn't realize it was so elaborate and well managed. https://support.apple.com/en-us/HT201304 Edit: Apple is definitely better with general kid protection. They are also much harsher and have a higher st...
by nexesn
Thu Aug 08, 2019 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Real Life Experience. Credit Card Rewards and Transfer Bonus.
Replies: 58
Views: 2856

Re: Real Life Experience. Credit Card Rewards and Transfer Bonus.

So I decided to look into this game a few months ago to see what I could do. Dec 2018. I signed up for two Southwest cards ($99 and $69 annual fee) Jan 2019. Reached 110,000 Southwest points and obtained companion pass (buy one fare with either cash or points and get one fare free). During the next...
by nexesn
Tue Aug 06, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: Worth it to upgrade to Main Cabin Extra?
Replies: 76
Views: 3811

Re: Worth it to upgrade to Main Cabin Extra?

In a few months I will be taking an overnight 9-hour flight for pleasure. I will be meeting other ladies from my family there which will be flying from other cities in the US. Given the long flight I am thinking of upgrading my economy flight to “Main Cabin Extra” on an exit row so that I can stret...
by nexesn
Mon Aug 05, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 7272

Re: Financial anxiety and next steps in relationship

You write as if only men in the position to make difficult financial decisions with regard to relationships. Cyclesafe was responding to a man's post and offering the male point of view, I don't see how the post was written "as if only men in the position to make difficult financial decisions with ...
by nexesn
Sun Aug 04, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: Simplifying iphone home screen for senior citizen
Replies: 12
Views: 688

Re: Simplifying iphone home screen for senior citizen

I'm going to add a line to my Verizon plan for a senior citizen family member. It's a 6s iphone. I recall reading a previous post from someone about an app that can be used to "strip down" the home page to make it easier for a senior citizen to see and use. It basically removed any unwanted apps/ic...
by nexesn
Sun Aug 04, 2019 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 7272

Re: Financial anxiety and next steps in relationship

Hello – I have a rather complex situation and would appreciate any comments from the BH community that might ease (or validate) my financial anxiety: My gf and I have been together three years, and it’s time to take the next steps in our relationship (i.e. marriage). Our financial situations are cu...
by nexesn
Wed Jul 31, 2019 10:56 pm
Forum: Personal Consumer Issues
Topic: Johannesburg, VicFalls, Capetown suggestions
Replies: 10
Views: 526

Re: Johannesburg, VicFalls, Capetown suggestions

Will be visiting southern Africa in a few weeks and will have a few free days to immerse myself in each the above named locations while not otherwise occupied with other activities. Any recommendations? Art, history, hiking, culture - all of interest to me. Ideas appreciated. Many thanks. We loved ...
by nexesn
Tue Jul 30, 2019 9:46 pm
Forum: Personal Consumer Issues
Topic: Cheap Amazon Mattress Recommendations?
Replies: 14
Views: 1171

Re: Cheap Amazon Mattress Recommendations?

I know it's not the question... but have you thought about a futon mattress? Or, buying from IKEA. No need to respond directly to my inquiry. Just throwing those out there. Assuming you want Amazon as it's quick, and easy returns if you aren't happy with the product. Good luck with the rest of studi...
by nexesn
Thu Jul 25, 2019 5:30 pm
Forum: Investing - Theory, News & General
Topic: Financial Retirement (NYC area) - Looking for Resources
Replies: 3
Views: 454

Re: Financial Retirement (NYC area) - Looking for Resources

I edited the subject in hopes of getting a few more responses. :)

(Apologies in advance for the self push back to the top of the forum).
by nexesn
Thu Jul 25, 2019 11:40 am
Forum: Investing - Theory, News & General
Topic: Financial Retirement (NYC area) - Looking for Resources
Replies: 3
Views: 454

Re: NYC Financial Presentation - Looking for Resources

hlfo718 wrote:
Thu Jul 25, 2019 10:28 am
Try Fidelity. We had them come in for a few hours to go over the 401k and retirement benefits. Not sure you need to be a client first but you can call them since you can be a potential customer.
Thanks for the suggestion, I'll call them.
by nexesn
Thu Jul 25, 2019 7:53 am
Forum: Investing - Theory, News & General
Topic: Financial Retirement (NYC area) - Looking for Resources
Replies: 3
Views: 454

Financial Retirement (NYC area) - Looking for Resources

One of the groups I work with is a non-profit. Almost everyone that works there is pretty behind with the understanding of retirement, IRA's, investing, etc. They do not have their own 401k or 403(b). I've spoken one-on-one with several of the employees about retirement planning, but I'd really like...
by nexesn
Tue Jul 23, 2019 7:28 pm
Forum: Personal Investments
Topic: Can we afford $600k home?
Replies: 98
Views: 6827

Re: Can we afford $600k home?

My suggestion is keep renting. That is, unless all your entertainment needs will be met by living in your house. We debated buying (and keep going back and forth on the matter) but have realized from a financial standpoint, it makes a lot more sense to rent right now (we also are paying substantiall...
by nexesn
Sat Jul 20, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: Do you buy cellphone outright or pay over 2 years?
Replies: 129
Views: 8161

Re: Do you buy cellphone outright or pay over 2 years?

I buy outright; and from Apple (Unless, and it rarely happens, the cell company offers some upgrade or purchase deal). I like that by buying the phone outright it is unlocked and that I also don't have to think about a debt that I am paying (prefer to be as debt free as possible). Financially, it's ...
by nexesn
Thu Jul 11, 2019 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Living Options
Replies: 52
Views: 5615

Re: NYC Living Options

Thanks for the advice and links everyone. I will be working out of the airports and will be gone anywhere from 1 to 5 days at a time, and I am on my own for transportation to and from. I figured I'd use the subways/buses for most flights that are during business hours and use Uber/Lyft for those ea...
by nexesn
Thu Jul 11, 2019 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Living Options
Replies: 52
Views: 5615

Re: NYC Living Options

Hey everyone, As I mentioned in another thread, I should be finally starting my dream job shortly. This will require me to move to the NYC area welcome!, it's a great place to live where I will need easy access to all 3 airports, LaGuardia, Kennedy, and sometimes Newark will you have a car? is your...
by nexesn
Fri Jul 05, 2019 10:10 am
Forum: Personal Finance (Not Investing)
Topic: How much should I have saved for retirement by age 40?
Replies: 111
Views: 18198

Re: How much should I have saved for retirement by age 40?

$1 million by 40, mortgage paid off $2 million by 50 See what happens at 55 and up. Well, I'm screwed... Me too and I’m retired! :annoyed I love these responses. For some, the original posters comments are achievable.... for others, not so much. Also depends on where you live, etc. But, I do like t...
by nexesn
Tue Jun 18, 2019 7:42 am
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 185
Views: 31901

Re: A way to "thank" posts

Personally, I wish there was a way to "track" a thread. Currently, the only way I know is make a comment (even if I don't really have anything to contribute) so I can "view my posts" later. You can "subscribe" a topic if you want to keep track of it. That way, you get notified for any new posts. Go...
by nexesn
Mon Jun 17, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: Restore Corrupted External Hard Drive
Replies: 20
Views: 1331

Re: Restore Corrupted External Hard Drive

The first question is how important is this data to you? If you are willing to spend $500-1000 for the highest chance of recovery then your best bet is to immediately send the drive to one of those places as anything you or the Geek Squad may do may lessen the chances of recovery. If you aren't goi...
by nexesn
Thu Jun 13, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 11513

Re: Retired at 35 and have no friends :(

investingdad wrote:
Thu Jun 13, 2019 1:06 pm
retiredjg wrote:
Thu Jun 13, 2019 11:49 am
Goodness gracious! The first post was only about 12 hours ago!

:oops:
Well it's not like he's at work.

Hahaha. Sorry.
Funny sarcasm.

You know, for a forum who's mantra is sit and hold, they sure are being impatient with getting a response from the OP :D :D :D :D :D
by nexesn
Thu Jun 13, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 11513

Re: Retired at 35 and have no friends :(

Hello all. Been following for years and first time posting. Not sure if I'm posting in the right place, but here goes. Through some good fortune, working hard, and following sound financial advise, such as the advise found here with Bogleheads, I was able to retire ~9 months ago at the age of 35. T...
by nexesn
Mon Jun 10, 2019 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Umbrella Insurance - Found out my Geico Umbrella is terrible
Replies: 2
Views: 1147

Re: Personal Umbrella Insurance - Found out my Geico Umbrella is terrible

Thanks for the link, very helpful. I'm going to have to speak with CHUBB and ensure most of these are covered. As far as I know, most are.... but, I'll know more soon.
by nexesn
Sat Jun 08, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1380
Views: 143787

Re: [What TV Show Have You Recently Watched?]

Deadwood on Amazon (Produced by HBO). For those who are offended by lots of foulmouth language, I would avoid the show. I started watching it after listening to an NPR interview with the writer. Apparently the language is pretty true to form for gold diggers and the Wild West.
by nexesn
Sun Jun 02, 2019 11:13 pm
Forum: Investing - Theory, News & General
Topic: WSJ Article: Think Before You Fish for Bargains in Chinese Stocks
Replies: 50
Views: 4199

Re: WSJ Article: Think Before You Fish for Bargains in Chinese Stocks

After reading the following books, and more, I learned about : SOE = China's "State Owned Enterprises". Just finished reading: China's Great Wall of Debt by McMahon The Third Revolution by E Economy End of an Era by Minzner and several others. The larger context of China's history and evolution, cu...
by nexesn
Mon May 27, 2019 10:05 pm
Forum: Personal Consumer Issues
Topic: Drinking water systems
Replies: 8
Views: 695

Re: Drinking water systems

Berkey Filters are great. https://www.berkeyfilters.com.

I purchased a "Scratch and Dent" one from them (saved around $40) and there weren't any scratches or dents :).

We've now been using it for 4 years and still haven't had to replace the filters- just clean them; it's easy.
by nexesn
Fri May 24, 2019 5:39 pm
Forum: Investing - Theory, News & General
Topic: WSJ Article: Think Before You Fish for Bargains in Chinese Stocks
Replies: 50
Views: 4199

Re: WSJ Article: Think Before You Fish for Bargains in Chinese Stocks

Over the past 10 years, a $10,000 investment in the MSCI China stock index would have grown to just under $19,600, while the same amount in the S&P 500 would have turned into nearly $39,700, according to FactSet.[/I] Ah yes, because the past 10 years will be exactly like the next 10 years. Sometime...
by nexesn
Fri May 24, 2019 12:05 pm
Forum: Investing - Theory, News & General
Topic: WSJ Article: Think Before You Fish for Bargains in Chinese Stocks
Replies: 50
Views: 4199

Re: WSJ Article: Think Before You Fish for Bargains in Chinese Stocks

Over the past 10 years, a $10,000 investment in the MSCI China stock index would have grown to just under $19,600, while the same amount in the S&P 500 would have turned into nearly $39,700, according to FactSet.[/I] Ah yes, because the past 10 years will be exactly like the next 10 years. Agreed! ...
by nexesn
Fri May 24, 2019 11:44 am
Forum: Investing - Theory, News & General
Topic: WSJ Article: Think Before You Fish for Bargains in Chinese Stocks
Replies: 50
Views: 4199

WSJ Article: Think Before You Fish for Bargains in Chinese Stocks

Interesting article from the WSJ. Sorry, it's paywalled.... but here are a few snippets. https://www.wsj.com/articles/think-before-you-fish-for-bargains-in-chinese-stocks-11558710015?mod=hp_lead_pos9 .....The best returns for the MSCI China index came in the early to mid 2000s, not long after Wall S...
by nexesn
Thu May 23, 2019 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage almost paid off
Replies: 31
Views: 3450

Re: Mortgage almost paid off

Congratulations!
by nexesn
Sun May 12, 2019 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Buy or keep renting in Manhattan?
Replies: 43
Views: 7383

Re: Buy or keep renting in Manhattan?

An update to this thread. Most of you recommended that I rent rather than buy, and I've indeed decided to continue renting. Originally, I thought I'd have trouble finding a large enough apartment to rent. As I looked through the rental listings, I came upon a 4 bedroom place in a good location (for...
by nexesn
Sun May 12, 2019 8:57 pm
Forum: Personal Consumer Issues
Topic: Drill well today or drill well later?
Replies: 26
Views: 2226

Re: Drill well today or drill well later?

A lot of things can change over time, especially if it turns out to be 15 years. I'd wait until the project is a definite go. +1. Wait until you are much closer to starting your project. If you drill it now, you may get to replace the pump before you move in and may have other costs, like electrici...
by nexesn
Sun May 12, 2019 8:50 pm
Forum: Personal Investments
Topic: Feedback on house purchase
Replies: 19
Views: 1865

Re: Feedback on house purchase

This isn't too helpful.... but at first I read the $40,000 as net per year. I just kept scratching my head thinking how in the world is this going to work. My wife and I live in a HCOL city. For the longest time we kept thinking we had to buy. Fortunately we've finally kicked that bug. "If" we event...
by nexesn
Sun May 12, 2019 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Move out or stay at my parents?
Replies: 70
Views: 5001

Re: Move out or stay at my parents?

To everyone I live in a higher cost area (southwestern ct) I’m newly single and got out of a long term relationship so that was a huge reason I thought of moving out. Say I want to bring a girl over...I definitely could over my parents but I wouldn’t want to introduce her especially if it’s new..th...
by nexesn
Fri May 10, 2019 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Subaru CPO - Friends and family extended warranty price
Replies: 24
Views: 1950

Re: Subaru CPO - Friends and family extended warranty price

I'm not a Subaru person, and have no idea of prices- you could probably call a few dealers to get an idea of costs. I'm also not a big fan of paying for warranties. But, I'd probably by the extended warranty for this price. Price seems reasonable; I've known others who have bought the bumper to bump...
by nexesn
Tue May 07, 2019 6:20 pm
Forum: Personal Consumer Issues
Topic: wedding gift value
Replies: 80
Views: 4690

Re: wedding gift value

... I do like the rule of thumb of covering the cost of your plate. .. They've invited you to celebrate their wedding with them. If they'd have been interested in net total of the event, they'd have done it at city hall. Buy them a nice gift, that you can afford, and enjoy the day with them. +1 I a...
by nexesn
Mon May 06, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Anybody try the Blue Apron or the like?
Replies: 77
Views: 5969

Re: Anybody try the Blue Apron or the like?

Used it for the free trial twice, as several friends had it. Lots of packaging waste, which I didn't like Meals were just fine, liked the recipes and the directions. Between the cost and the packaging waste I concluded it would be much better to just try to expand cooking ideas by looking at stuff ...
by nexesn
Mon Apr 29, 2019 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Fed interviewing for a private sec job - value of FERS pension?
Replies: 37
Views: 2482

Re: Fed interviewing for a private sec job - value of FERS pension?

Sorry, this is off-topic from your question. And, you may have already be having these other discussions.... Sometimes money isn't the only item to consider. Try thinking of yourself as an 80 year old looking back on your life, will you be disappointed if you never tried the private sector? As a fri...
by nexesn
Mon Apr 15, 2019 8:14 pm
Forum: Personal Consumer Issues
Topic: Trip to Central Asia. Do you need a CC?
Replies: 44
Views: 3417

Re: Trip to Central Asia. Do you need a CC?

I agree that Visa is most commonly accepted, but these days, I am sure MasterCard will also be taken without issue where cards are accepted. Amex is usually the most difficult one. Unless this is a luxury trip, he should plan to get around on a cash basis and save the credit card for emergencies an...
by nexesn
Sun Apr 14, 2019 9:22 am
Forum: Personal Finance (Not Investing)
Topic: No need to file a tax extension form?
Replies: 27
Views: 1809

Re: No need to file a tax extension form?

I believe if you have tax due and make a payment electronically via IRS Direct Pay or EFTPS and apply the payment to an extension, that’s all you have to do. No paper form to send in, and no additional form to e-file. https://www.irs.gov/taxtopics/tc304 If you think you will get a refund, you could...
by nexesn
Wed Apr 03, 2019 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Ideas Request for Second Half
Replies: 17
Views: 1278

Re: Ideas Request for Second Half

Hi, I am in the Tech industry, rode the dotcom wave in the early 2000's and into 2010's. The job is demanding, but rewarding in many ways. However, it came to a point where it is such a drag that I decided to call it quit recently. Now with my new found freedom, I am pondering my next move. I don't...
by nexesn
Fri Mar 29, 2019 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody else get a huge tax increase due to SALT deduction changes?
Replies: 101
Views: 7387

Re: Anybody else get a huge tax increase due to SALT deduction changes?

Thanks everyone for the interesting posts! I learned that most people here were positively affected by the tax law changes. Based on everyone's comments, I think I had a "perfect storm" scenario that caused me to get hit harder than most with a decrease in after-tax income despite a significant inc...
by nexesn
Tue Mar 26, 2019 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage!
Replies: 88
Views: 7566

Re: Paid off mortgage!

Yaaaaay! Congratulations. We don't have a mortgage- still rent in a HCOL area. However, doesn't diminish the fact that I can still congratulate you on a job well done :happy :happy :happy
by nexesn
Sat Mar 23, 2019 10:28 pm
Forum: Personal Consumer Issues
Topic: WiFi Extender
Replies: 40
Views: 2437

Re: WiFi Extender

We solved our WiFi issues with a mesh system also. We went with the Linksys Velop. Costco had the best deal at the time and came with 4 modules. Our main purpose was to enable coverage for Ring cameras outside the house. The Linksys was easy to set up and has worked flawlessly for us. +1 for Velop....
by nexesn
Sat Mar 23, 2019 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: What to do when client doesn't pay and ignores you?
Replies: 29
Views: 3677

Re: What to do when client doesn't pay and ignores you?

DH owns a music school and he has been chasing a (parent) client for a $180 payment since November last year. He had also lent the kid a guitar (valued at around $150) when he was taking music lessons. Repeated phone calls, texts and emails to the parent for the past 4-5 months to try to resolve th...
by nexesn
Thu Mar 21, 2019 8:53 pm
Forum: Personal Consumer Issues
Topic: Travel Insurance
Replies: 14
Views: 975

Re: Travel Insurance

We are planning a trip to northern Italy and Croatia from May 7th to the 23rd. We will only prepay for our flight, but our first hotel reservation has a 72 hour cancel policy. DW’s parents are 90 and 92 years old and are in a nursing home with poor mental health, but reasonable physical health. At ...
by nexesn
Wed Mar 20, 2019 6:08 pm
Forum: Personal Investments
Topic: 5G, AI (Artificial Intelligence), and Cyber Security ETF Suggestions?
Replies: 12
Views: 1125

Re: 5G, AI (Artificial Intelligence), and Cyber Security ETF Suggestions?

JTColton wrote:
Tue Mar 19, 2019 10:00 pm
CIBR or HACK are a couple cyber security ETFs.

For AI: XT, IGV, IGM or IYW may be well positioned given their major holdings.

Thanks for the suggestions
by nexesn
Wed Mar 20, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: Need to buy a laptop for a co-worker
Replies: 14
Views: 1223

Re: Need to buy a laptop for a co-worker

Thanks again. The Thinkpad T580 seems like a decent option. I do like Eluktronics as well, but given that this person isn't the most tech savvy, I'd rather stick with a big name (as it would ease his mind and possibly make it easier to get support if he needs it). Originally I had told myself no wa...
by nexesn
Tue Mar 19, 2019 3:26 pm
Forum: Personal Investments
Topic: 5G, AI (Artificial Intelligence), and Cyber Security ETF Suggestions?
Replies: 12
Views: 1125

Re: 5G, AI (Artificial Intelligence), and Cyber Security ETF Suggestions?

I'm mostly wondering why you believe "the market" hasn't already appropriately priced the stocks of companies in these areas. If anything, given the current buzz over these terms, I'd expect them to be overpriced relative to a sober analysis of commercial potential. I'm reminded of late 2017 when s...