Search found 46 matches

by shans2000
Thu Nov 14, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: Productizing an idea
Replies: 16
Views: 855

Re: Productizing an idea

A very wise (and wealthy) friend told me once that "ideas don't make money, capital makes money". IOW, at some point you will have to produce a product, market the product, and sell the product then deliver and support the product. This will require (a lot) of capital. File your patent, try to sell...
by shans2000
Thu Nov 14, 2019 6:43 pm
Forum: Personal Consumer Issues
Topic: Productizing an idea
Replies: 16
Views: 855

Re: Productizing an idea

I have done this, my wife and I took an idea from concept to prototype to a successful Kickstarter to now selling on Amazon for several years with good reviews. If the idea is genuinely unique and qualifies for a utility patent, my advise is to file for a provisional patent which is relatively easy ...
by shans2000
Thu Oct 17, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 9951

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

Your questions are exactly the same questions I had about 6 years ago. I only used Android phones up until that time and wondered why so many use iPhone. After one of the Android updates rendered several apps in my phone buggy/useless, I took the plunge and got an iPhone. Now, I am hooked and plan t...
by shans2000
Wed Oct 16, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: Good camera system to watch the nanny
Replies: 70
Views: 4430

Re: Good camera system to watch the babysitter

I had good experience with this one - https://www.amazon.com/gp/product/B00JAJ9U8K/ref=ppx_yo_dt_b_search_asin_title?ie=UTF8&psc=1 This was 5 years ago though. There may be better ones available now. We told our nanny we have the camera so we can check on our kid, she was perfectly fine with it. Man...
by shans2000
Tue Oct 15, 2019 7:03 pm
Forum: Personal Consumer Issues
Topic: Solar Installation - 0.75 Year Later
Replies: 72
Views: 9750

Re: Solar Installation - 0.75 Year Later

My solar panels were installed 5 yrs ago, and they are generating 30-50% of the originally quoted power. Does anyone know if this is common and what can be done to improve this? A couple of basic factors: Are they reasonably clean? (not covered with soot/dirt). Have trees grown up that are doing su...
by shans2000
Tue Oct 15, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Solar Installation - 0.75 Year Later
Replies: 72
Views: 9750

Re: Solar Installation - 0.75 Year Later

My solar panels were installed 5 yrs ago, and they are generating 30-50% of the originally quoted power. Does anyone know if this is common and what can be done to improve this?
by shans2000
Wed Oct 09, 2019 7:28 pm
Forum: Personal Consumer Issues
Topic: Help Me Decide on a New Vehicle?
Replies: 63
Views: 4865

Re: Help Me Decide on a New Vehicle?

If you're concerned that you could face sudden or deep snow and want a real AWD system, your list is Subaru, Audi, Jeep and Land Rover. When you add reliability, pay attention to the order this list is in from most to least reliable. Of course, run snow tires. Are AWD of other brands not as good as...
by shans2000
Thu Sep 26, 2019 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: first house- 1 bedroom vs. 2 bedroom
Replies: 60
Views: 5116

Re: first house- 1 bedroom vs. 2 bedroom

What if housing market crashes and wont recover for a decade or two or more? Would your first house become your forever house then? Yes, I'm fine with my first house being my forever house. I'm thinking of moving to senior housing when I'm eligible, which should be more affordable. If you are plann...
by shans2000
Thu Sep 26, 2019 1:34 pm
Forum: Personal Investments
Topic: Roth for college savings
Replies: 13
Views: 608

Re: Roth for college savings

I am doing the same. I like the flexibility that Roth offers.
by shans2000
Wed Sep 25, 2019 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Restricted Stock Award Benchmarks
Replies: 12
Views: 667

Re: Restricted Stock Award Benchmarks

HEDGEFUNDIE wrote:
Wed Sep 25, 2019 7:28 pm
shans2000 wrote:
Wed Sep 25, 2019 7:19 pm
Bay Area tech company, F500, not FANG
Level: Director
Restricted Stock Awarded Per Year: ~100% of base salary. Awarded every year.
Vesting Schedule: Vests over a 4-year period, 25% every year.
Does your company offer annual cash bonus on top of base?
No
by shans2000
Wed Sep 25, 2019 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Restricted Stock Award Benchmarks
Replies: 12
Views: 667

Re: Restricted Stock Award Benchmarks

Bay Area tech company, F500, not FANG
Level: Director
Restricted Stock Awarded Per Year: ~100% of base salary. Awarded every year.
Vesting Schedule: Vests over a 4-year period, 25% every year.
by shans2000
Fri Sep 13, 2019 6:34 pm
Forum: Investing - Theory, News & General
Topic: Why are bonds falling when fed is expected to cut rates?
Replies: 24
Views: 3097

Re: Why are bonds falling when fed is expected to cut rates?

Svensk Anga wrote:
Fri Sep 13, 2019 11:36 am
The CPI report yesterday revealed 2.4% year over year inflation in the core measure (less food and energy).
I think this is the reason for the recent sell-off, stronger than expected inflation readings.
by shans2000
Tue Jul 30, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: Please help with vacation locations
Replies: 45
Views: 2271

Re: Please help with vacation locations

Few suggestions in the North American continent- Las Vegas - Gambling, Shows, Night life Alaska (Cruise or Land) - Glaciers and Natural beauty Hawaii - Beautiful beaches, Volcano on Big Island, Great weather year round Cancun - Beaches and all inclusive resorts, History and culture Banff and Jasper ...
by shans2000
Wed Jul 10, 2019 1:03 pm
Forum: Personal Consumer Issues
Topic: Grill Mat
Replies: 29
Views: 2874

Re: Grill Mat

Check the temperature ratings of these grill mats. They deteriorate if you go over the temperature and its not healthy as they leach plastic at high temp. I have stopped using them because of this reason.
by shans2000
Fri Jun 28, 2019 3:25 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 974
Views: 76126

Re: My trend following strategy and experience

How is this strategy working out so far?
by shans2000
Wed Jun 26, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: Am I falling into the trap of judging everything through cost lens?
Replies: 51
Views: 4923

Re: Am I falling into the trap of judging everything through cost lens?

Cheap is not always cost effective. I can list endless material things that are more cost effective to buy an expensive version because it will last longer - it will cost you 2x, but last 5x-10x long saving you money in the long run. What would be some examples (Top 3 )? Luggage Furniture Apple com...
by shans2000
Tue Jun 25, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: Am I falling into the trap of judging everything through cost lens?
Replies: 51
Views: 4923

Re: Am I falling into the trap of judging everything through cost lens?

Cheap is not always cost effective. I can list endless material things that are more cost effective to buy an expensive version because it will last longer - it will cost you 2x, but last 5x-10x long saving you money in the long run.
by shans2000
Fri Jun 21, 2019 4:50 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 17628

Re: what was your worst major purchase? mine is a 2019 mazda3

My 1st house that I overpaid for in 2005, right before it all came tumbling down. Value went down 30%, and I was stuck with it as I moved places and took huge monthly losses.
by shans2000
Tue Jun 18, 2019 7:16 pm
Forum: Personal Investments
Topic: Best place for temp cash in Fidelity HSA?
Replies: 11
Views: 1241

Re: Best place for temp cash in Fidelity HSA?

[/quote]
If you click the link where you found this yield, you would read:
It is the Fund's total income net of expenses...
[/quote]

So the yield accounts for the expense ratio then? In that case, we can just compare yields between Vanguard and Fidelity MM and ignore the expense ratio?
by shans2000
Tue Jun 18, 2019 3:34 pm
Forum: Personal Investments
Topic: Best place for temp cash in Fidelity HSA?
Replies: 11
Views: 1241

Re: Best place for temp cash in Fidelity HSA?

Tommy wrote:
Tue Jun 18, 2019 11:34 am
lilyn20 wrote:
Mon Jun 17, 2019 6:43 pm
Have you looked at SPRXX? That's the one I use in my HSA and Cash Management Account (7-day yield 2.14%).
SPRXX - 0.42% Expense Ration - isn't it too much? If compare with Vanguard MM
Does this mean the effective yield is 2.14%-0.42%=1.72% ?
by shans2000
Thu Jun 13, 2019 12:58 pm
Forum: Personal Investments
Topic: Difference between "30 day SEC Yield" vs. 30 day actual yield
Replies: 2
Views: 429

Difference between "30 day SEC Yield" vs. 30 day actual yield

I recently got a monthly dividend on the Vanguard California Intermediate-Term Tax-Exempt Fund (VCAIX), it amounts to about 2.5% yearly yield (Monthly dividend x 12). However, the 30 day SEC yield on Vanguard website is showing 1.63%. Why is there a discrepancy between these two numbers? Perhaps I d...
by shans2000
Wed Jun 05, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 8521

Re: What flagship (even used) item is better than a budget new item?

Simply Human trash cans
Apple computers (Not iphones, glass breaks too easily)
Laser printers rather than cheap inkjets
Bikes (Trek, Specialized and other known bike brands) rather than what you get at Targets of the world
by shans2000
Wed May 29, 2019 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Would you keep this rental? Bay Area
Replies: 28
Views: 2383

Re: Would you keep this rental? Bay Area

I was in the same situation as you and decided to sell last summer. Primary reason was to get the tax free gains. If I didn't sell, the property values would have to go up another 30% just to break even accounting for the taxes. It didn't make sense. Edit - my property was also close to SJ downtown ...
by shans2000
Wed May 29, 2019 5:46 pm
Forum: Personal Consumer Issues
Topic: The Economist print and digital, $99 today
Replies: 14
Views: 1250

Re: The Economist print and digital, $99 today

There is another promotion: 1 Year Subscription To The Economist For Just $47.99 From DiscountMags. Available in Print or Digital. Also available in Print and Digital for $69.99. Use code: DANSDEALS Link to the post on Dansdeals website: https://www.dansdeals.com/shopping-deals/magazines/1-year-sub...
by shans2000
Fri May 24, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: Weber vs Broil King Grills
Replies: 25
Views: 2555

Re: Weber vs Broil King Grills

I own a grill shop and sell Weber, along with a few other major brands. We used to carry Broil King/Sterling (same company) and they were good grills (20+ years ago). We moved away from them when parts were hard to locate. They've gotten much better, but I don't know how their quality has held up. ...
by shans2000
Thu May 23, 2019 5:26 pm
Forum: Personal Consumer Issues
Topic: Weber vs Broil King Grills
Replies: 25
Views: 2555

Re: Weber vs Broil King Grills

I'm in the same conundrum. I was all set to buy a Weber Genesis, but then I read on-line several reports stating Weber quality has gone down significantly in last few years due to manufacturing move to China by the new owners. It will be good to hear recent experiences with Weber grills.
by shans2000
Mon May 20, 2019 8:07 pm
Forum: Personal Investments
Topic: Convince me that a 529 plan is a good idea.
Replies: 42
Views: 3614

Re: Convince me that a 529 plan is a good idea.

$50k one time investment, 7% annualized rate, for 12 years (since your eldest is 6 years old) = $112,600 ending balance. Cap gains = $62,600 20% cap gains tax = $12,520. Assume a 2.5% inflation, the $12,520 in cap gains tax discounted to today = $9310. Investment in 529 plan saves you $9k in today’...
by shans2000
Thu May 16, 2019 12:59 pm
Forum: Personal Consumer Issues
Topic: Which car has the best or most comfortable cabin under 35K
Replies: 74
Views: 6525

Re: Which car has the best or most comfortable cabin under 35K

Buick Encore or Envision if you can go slightly higher.
by shans2000
Thu May 02, 2019 2:42 pm
Forum: Personal Investments
Topic: Where to park cash in Schwab?
Replies: 11
Views: 1873

Re: Where to park cash in Schwab?

I'd also suggest a t-bill ladder given your state tax rate.
I am not familiar with T-bill ladder, how exactly can I do this?
by shans2000
Wed May 01, 2019 1:46 pm
Forum: Personal Investments
Topic: Where to park cash in Schwab?
Replies: 11
Views: 1873

Where to park cash in Schwab?

I have some cash in Schwab brokerage account ($150k) and looking for the best option to park it. I need to be able to access part of the funds for some home improvement projects as needed in short notice. Looking at the different available options, I am looking at Schwab California Municipal Money F...
by shans2000
Fri Apr 12, 2019 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard admiral shares available in Schwab for a lower minimum
Replies: 3
Views: 626

Re: Vanguard admiral shares available in Schwab for a lower minimum

You are right, got this message when I tried to buy - We cannot process your order because shares for this fund are only available to institutional customers..
by shans2000
Fri Apr 12, 2019 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard admiral shares available in Schwab for a lower minimum
Replies: 3
Views: 626

Vanguard admiral shares available in Schwab for a lower minimum

I looked up Vanguard California Intermediate-Term Tax-Exempt Fund Admiral Shares (VCADX) - it shows $50k minimum in Vanguard, but Schwab is showing $2.5k minimum. It seems its better to buy in Schwab - is there a catch that I am missing?
by shans2000
Thu Apr 11, 2019 5:27 pm
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 278
Views: 25256

Re: Crypto bulls are back. Are you getting in?

I'm not a believer in Crypto currency as such, but I am willing to bet on the future of blockchain. IMO, the best pure-play way to invest in blockchain currently is Ethereum. I don't see it as a cryptocurrency, its a blockchain platform. Ethereum clearly has a long way to go before it will actually ...
by shans2000
Thu Mar 28, 2019 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Is My Tax Preparer Responsible for Mistakes?
Replies: 6
Views: 636

Re: Is My Tax Preparer Responsible for Mistakes?

I've worked with several tax preparers over the years, there is never a formal contract.
by shans2000
Thu Mar 28, 2019 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Is My Tax Preparer Responsible for Mistakes?
Replies: 6
Views: 636

Is My Tax Preparer Responsible for Mistakes?

Just wondering if the Tax preparer makes any mistakes (like taking un-allowed deductions), am I protected against any IRS penalties related to it?
by shans2000
Tue Mar 26, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: TVs: OLED vs. QLED
Replies: 52
Views: 4600

Re: TVs: OLED vs. QLED

+1 for Sony. I have the 940E and the picture quality is amazing! When I was buying a couple of years ago, Amazon reviews for OLED were terrible specially for the long term reliability.
by shans2000
Fri Mar 22, 2019 6:03 pm
Forum: Personal Consumer Issues
Topic: Minivan or SUV?
Replies: 24
Views: 1802

Re: Minivan or SUV?

I have a 7 seater Buick Enclave and love it-
- Great price for what you get
- Easy access to 3rd row (middle row has 2 seats)
- Decent trunk size even with 3rd row up
- Good leg room in 3rd row (rare)
- Good safety ratings/features
by shans2000
Tue Mar 12, 2019 7:31 pm
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 179
Views: 15080

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

5. Avoid any itineraries that go through the ACC, GCC, and a number of other countries where minor infractions could result in arrest. This includes being caught with muffins that have poppy seeds on them, among other things, or caught swearing (not at someone, but just in general). [/quote] What is...
by shans2000
Mon Mar 11, 2019 6:39 pm
Forum: Personal Investments
Topic: What is best to sell - RSU (at vest), RSU (at gain), ESPP...
Replies: 10
Views: 871

Re: What is best to sell - RSU (at vest), RSU (at gain), ESPP...

Yes, I hold stocks in all these categories now and trying to figure which one to sell.

LTCG - 20%, Federal tax - 35%, State tax - 12.3%
by shans2000
Mon Mar 11, 2019 6:15 pm
Forum: Personal Investments
Topic: What is best to sell - RSU (at vest), RSU (at gain), ESPP...
Replies: 10
Views: 871

What is best to sell - RSU (at vest), RSU (at gain), ESPP...

If I need to sell stocks to get a certain $ amount - what is the best one to sell among these options? - RSU (At vest) - RSU (Long term gain) - RSU (At loss as compared to vest) - ESPP (Long term gain) - ESPP (At loss compared to vest) Additional info - LTCG - 20%, Federal tax - 35%, State tax - 12....
by shans2000
Thu Nov 01, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Used 2016 Lexus GS 350: 40k miles too much?
Replies: 38
Views: 3869

Re: Used 2016 Lexus GS 350: 40k miles too much?

I bought a used Lexus ES300 with 100k miles and drove it to 200k miles without problems, then sold it. For a lexus, 40k miles is not much at all.
by shans2000
Wed Oct 31, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: Need New Phone?
Replies: 17
Views: 2356

Re: Need New Phone?

In an effort to be argumentative, I would argue an Iphone 7 or 8 is a better deal than this. Unfortunately, most android phone manufacturers refuse to support their product with updates for more than short period of time. I would say the update life of most of my Android phones has been ~12 months ...
by shans2000
Wed Sep 12, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: estimated tax payment after sale of primary home?
Replies: 6
Views: 577

Re: estimated tax payment after sale of primary home?

If they have lived in the home for 2yrs out of the last 5 yrs, the gains are tax free.
by shans2000
Wed Sep 05, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 67
Views: 7544

Re: Men’s Underwear recommendation

I tested a bunch of them recently - Exofficio, Kirkland, CK, Uniqlo. Liked Uniqlo the best. Great price and quality.
by shans2000
Thu Aug 30, 2018 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 23595

Re: Decent compensation to move to Bay Area CA?

I live in SV. I do not understand how folks are coming to the $450k-$500k equivalent salary. The biggest expense that changes with the move is housing. Let's say an equivalent house is $2m. The difference in mortgage payment between a $320k house and a $2m house is about $5600/month, which is about ...