Search found 70 matches

by apple44
Thu Aug 13, 2020 5:15 pm
Forum: Personal Consumer Issues
Topic: Who is your favorite fiction author and what is your favorite book of theirs?
Replies: 161
Views: 9557

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

tenkuky wrote: Fri Jul 10, 2020 2:41 pm Watership Down by Richard Adams
Never look at a bunny rabbit the same again

Men will never rest till they've spoiled the earth and destroyed the animals
Yes I love that book! I can't wait for my children to be old enough to read it so we can discuss. :D
by apple44
Thu Aug 13, 2020 5:11 pm
Forum: Personal Consumer Issues
Topic: Who is your favorite fiction author and what is your favorite book of theirs?
Replies: 161
Views: 9557

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

BenBritt wrote: Fri Jul 10, 2020 7:23 pm Fitzgerald -----The Great Gatsby!
Yes! My all time favorite book!
But my all time favorite fiction author is Jane Austen.
by apple44
Tue May 12, 2020 10:56 am
Forum: Personal Investments
Topic: Why no love for REITs?
Replies: 109
Views: 11139

Re: Why no love for REITs?

REITs are currently being hit very hard, especially the hotel REITS like Ashford entities, which are in headlines recently for receiving at least $60 million PPP loans, and then facing tremendous public and political pressure, refused to return it, and then facing potential civil and criminal penal...
by apple44
Tue May 12, 2020 8:47 am
Forum: Personal Investments
Topic: Why no love for REITs?
Replies: 109
Views: 11139

Re: Why no love for REITs?

REITs are currently being hit very hard, especially the hotel REITS like Ashford entities, which are in headlines recently for receiving at least $60 million PPP loans, and then facing tremendous public and political pressure, refused to return it, and then facing potential civil and criminal penalt...
by apple44
Thu Mar 12, 2020 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6955
Views: 461947

Re: Refinance Mega Thread

3% vs. 2.875% is really not much different. Get the deal and get it done and over with.
I was just told the same thing by my broker. Apparently last week had the best rates and now the rates are back up.
by apple44
Thu Mar 12, 2020 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Prepare for Recession?
Replies: 80
Views: 13805

Re: Prepare for Recession?

Thought about this post this morning.
Well, here we are.
by apple44
Fri Feb 28, 2020 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6955
Views: 461947

Re: Refinance Mega Thread

Thank you so much!
by apple44
Fri Feb 28, 2020 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6955
Views: 461947

Re: Refinance Mega Thread

I'm new to refinancing. Here's the proposal I received: Current: 4.0% 30 year fixed since April 2017 (so will be 3 year in), have $251,728 of principal amount outstanding. Proposal: 3.25% 30 year fixed starting now, for a $257,000 loan. My question is why am I borrowing almost $5K more than what I ...
by apple44
Fri Feb 28, 2020 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6955
Views: 461947

Re: Refinance Mega Thread

I'm new to refinancing. Here's the proposal I received: Current: 4.0% 30 year fixed since April 2017 (so will be 3 year in), have $251,728 of principal amount outstanding. Proposal: 3.25% 30 year fixed starting now, for a $257,000 loan. My question is why am I borrowing almost $5K more than what I c...
by apple44
Mon Jan 27, 2020 3:38 pm
Forum: Personal Consumer Issues
Topic: Amount of cash wedding gift?
Replies: 57
Views: 4854

Re: Amount of cash wedding gift?

Interesting to read about what to do for weddings. For some reason, I always thought if we are going, we should gift less vs. if we are not going, since going to a wedding (usually out of state and sometimes international) requires time and more money. My own wedding was aborad so everybody had to t...
by apple44
Tue Jan 14, 2020 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: New Child- Steps to take (will/trust)
Replies: 39
Views: 2417

Re: New Child- Steps to take (will/trust)

Maybe a stupid question: Suppose my spouse and I pass away and we only have one child, why do you need a will/trust? Wouldn't all of our property go to our child by law? As to who takes care of the child and who manages the money, wouldn't it be the closest relative alive, which is my mother? If the...
by apple44
Fri Sep 06, 2019 10:45 am
Forum: Investing - Theory, News & General
Topic: Index Funds Bubble? [Michael Burry article]
Replies: 254
Views: 33983

Re: Index Funds Bubble? [Michael Burry article]

Here's an article directly responding to the Michael Burry article:
Debunking the Silly “Passive is a Bubble” Myth
https://awealthofcommonsense.com/2019/0 ... bble-myth/
by apple44
Thu Aug 22, 2019 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Prepare for Recession?
Replies: 80
Views: 13805

Re: Prepare for Recession?

Thanks everyone for the advice. Good to hear no drastic changes are needed.
by apple44
Thu Aug 22, 2019 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Prepare for Recession?
Replies: 80
Views: 13805

Re: Prepare for Recession?

There has been a lot of talk recently about the upcoming recession. The rumor is that a recession is coming in the next 12 months. So do we need to do anything to prepare for it? All I can think of is to stack up emergency funds because if we lose jobs, it will be difficult to find a new one. Anybo...
by apple44
Thu Aug 22, 2019 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Prepare for Recession?
Replies: 80
Views: 13805

Re: Prepare for Recession?

There has been a lot of talk recently about the upcoming recession. The rumor is that a recession is coming in the next 12 months. So do we need to do anything to prepare for it? All I can think of is to stack up emergency funds because if we lose jobs, it will be difficult to find a new one. Anybo...
by apple44
Wed Aug 21, 2019 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Prepare for Recession?
Replies: 80
Views: 13805

Prepare for Recession?

There has been a lot of talk recently about the upcoming recession. The rumor is that a recession is coming in the next 12 months. So do we need to do anything to prepare for it? All I can think of is to stack up emergency funds because if we lose jobs, it will be difficult to find a new one. Anybod...
by apple44
Tue Jul 23, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2136
Views: 226816

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

From the Earth to the Moon on HBO: Since July 20 is the 50th anniversary of the moon landing, I started to watch this 1998 series. It's very well done and I highly recommend it if you are interested in learning about the US space program.
by apple44
Fri Jul 19, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Do you buy cellphone outright or pay over 2 years?
Replies: 129
Views: 9826

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

Finance!!! I never finance any purchase other than my home (I paid cash for used cars too) and naturally I bought my iPhone with cash. But my mom used financing to purchase her iPhone. After just a couple of months after her purchase, I decided to switch to T-mobile family plan from Verizon for chea...
by apple44
Mon Jun 24, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5794
Views: 1382627

Re: What Movie Have You Recently Watched?

Always be my maybe on Netflix is a very good romantic comedy starring two East Asians and Keanu Reaves. It's very funny. It's a romantic comedy so it follows the genre's general formula but it's done very well. If you like comedy/rom-com, you'll like it. Yesterday I watched Zodiac on Netflix. It go...
by apple44
Mon Jun 24, 2019 3:15 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2136
Views: 226816

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

I'm on maternity leave, so I finally got my money's worth for HBO and Netflix! Recently I watched Bodyguard on Netflix and Chernobyl on HBO, among other shows (I also re-watched all the episodes of GOT). I highly recommend both. Bodyguard is a political/action thriller very well done! The main chara...
by apple44
Wed May 22, 2019 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: IRS letter regarding Backdoor Roth IRA
Replies: 13
Views: 3770

Re: IRS letter regarding Backdoor Roth IRA

Thank you all for helping me! Just wanted to provide an update in case it's helpful to others who are dealing with similar problems. As suggested by the Bogleheads, I filled out two copies of Form 8606, one for me and one for my husband, and sent in those forms with a letter explaining the situation...
by apple44
Tue May 21, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: Recently promoted - how to match image with title?
Replies: 54
Views: 5488

Re: Recently promoted - how to match image with title?

haha, some people say Oh come on, people don't notice what you are wearing! Appearances are not important! Congratulations you are living in an entirely different world than us girls! Or you are simply too naive. Sure a lot of people do not notice or comment on women's appearances, but many people d...
by apple44
Tue May 21, 2019 4:21 pm
Forum: Personal Consumer Issues
Topic: Recently promoted - how to match image with title?
Replies: 54
Views: 5488

Re: Recently promoted - how to match image with title?

Congratulations!!! There are not enough of us girls up there! To answer your questions: 1. For the ladies, what was one thing you did to your appearance that helped with your confidence and made people treat you more respectfully? For me, the promotion boosted my confidence. Truth is if I wasn't goo...
by apple44
Fri May 10, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: Backpacking/study abroad for young folks
Replies: 31
Views: 2412

Re: Backpacking/study abroad for young folks

My major in college (international political economy) requires proficiency in a non-English language in order to graduate, and in order to achieve that and also because the college strongly encouraged it, almost everyone studied abroad for at least a semester, many studied abroad for an entire year!...
by apple44
Thu Apr 25, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 129
Views: 13464

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

The most exciting/unforgettable place is no doubt: Antarctica ! If you have the time and money, go! It's our honeymoon trip and it's totally worth it! Will you elaborate? I know a few people who have gone but it seems like it was mostly just to check the list of having been to all seven continents....
by apple44
Tue Apr 23, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: At what age did you buy your first first class airplane ticket?
Replies: 112
Views: 5461

Re: At what age did you buy your first first class airplane ticket?

I've flown first class from the U.S. to Japan and business class to different countries, but I didn't personally pay for any of it -- most of them were paid by the employer. Have to say, I enjoyed them far more than coach. For me, it depends on how long the trip is and how much money more, so basica...
by apple44
Tue Apr 23, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 129
Views: 13464

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

I'm far from being retired -- I'll likely be working for another 35 years (I like working btw). But before we had kids, I made traveling to all seven continents a goal and condition to having kids, and even after kids, our family have been following the tradition of traveling abroad at least once a ...
by apple44
Mon Apr 22, 2019 4:33 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 190
Views: 16971

Re: How much do you spend on food per month, per person?

See 2 posts above. The "science" is a matter of speech, although I am actually (by education and career) a nutrition and exercise scientist. If you are OK with eating the same things over and over again (which I naturally am, and which my wife and kids have become accustomed to), it doesn't take th...
by apple44
Mon Apr 22, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 190
Views: 16971

Re: How much do you spend on food per month, per person?

$500 per month per person in my family. ~$60-$75/month per person for a family of 4. We are not small people, I'm 6'1 ~200 and the wife is 5'8" 125, and we're both competitive athletes. Growing 7 and 4yr olds. We don't eat out ever and I've got grocery shopping down to a science. Would you please sh...
by apple44
Mon Apr 22, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5794
Views: 1382627

Re: What Movie Have You Recently Watched?

We watched " Andhadhun " on Netflix this weekend. It's a Bollywood movie recommended by my Indian friend. It is soooooo good!!! I cannot recommend it enough! It's a thriller full of twists and turns. You don't know what's the truth until literally the last second -- and even then, I'm not sure I kno...
by apple44
Tue Apr 16, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: Soon to be dad, how to prepare
Replies: 127
Views: 7939

Re: Soon to be dad, how to prepare

Also enjoy each stage, take lots of pictures. I read something that sticks with me, you never know when your last is going to be.... The last bottle you are going to feed them, the last time you have them sleep in a basinet in your room, the last time they call you dugga instead of dada, etc. so ta...
by apple44
Mon Apr 15, 2019 6:30 pm
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 94
Views: 6701

Re: Women, How Much Do You Pay for Haircut

I have to say, haircut cost isn't bad compared to nail care cost. I know many women, who aren't poor but who aren't rich either, would spend $30 every two weeks to do their nails.
by apple44
Mon Apr 15, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: Soon to be dad, how to prepare
Replies: 127
Views: 7939

Re: Soon to be dad, how to prepare

A mom here. Don't get scared! It's not as bad as people say, at least for us. Our baby was pretty good, and my husband didn't lose much sleep at all! Baby was sleeping in a bassinet by our bed during the first three months, and I slept on the side of the bed by the bassinet and breastfed my baby at ...
by apple44
Mon Apr 15, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 94
Views: 6701

Re: Women, How Much Do You Pay for Haircut

My wife...$150 about every 6 weeks......Not sure what that includes. :shock: :shock: And you call yourself a BH........... There are some things you just can't control, right? While I'm perfectly happy with home-brewed coffee and free office coffee, My husband has a $4 cappuccino every day! Sometim...
by apple44
Mon Apr 15, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 94
Views: 6701

Re: Women, How Much Do You Pay for Haircut

I'm in the Dallas area. I have a haircut and coloring every four months (including the usual shampooing, styling, etc.), and it costs $80-$100 each time, depending on whether I want extra stuff, such as deep conditioning.
by apple44
Fri Apr 12, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 19344

Re: Bogleheads, why wont anyone hire me?

If sincere, shoot me a PM. I manage the recruiting team of mid-size publicly traded tech company on the west coast and I’d be happy to help review and think about what types of opportunities you might be a fit for in tech. Also, might know a few people in the northeast ;) NoGamleNoFuture, I sent yo...
by apple44
Fri Apr 12, 2019 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 19344

Re: Bogleheads, why wont anyone hire me?

I'm responding as if this isn't trolling, which I suspect it may well be... No, its not a matter of luck. The chip on your shoulder is a huge problem. Plenty of people get a good job based on their training, skills and experience. You already at a young age have some false beliefs, meaning ideas no...
by apple44
Wed Apr 10, 2019 4:33 pm
Forum: Personal Consumer Issues
Topic: Contact lens solution
Replies: 20
Views: 1425

Re: Contact lens solution

Maybe try to use those contact lenses that are just for one day? I used to do the 2-week lenses, but I'm not super good with keeping them clean and I would get irritated from time to time. Then I switched to one-day lenses, and don't need solutions any more and don't need to worry about washing my h...
by apple44
Tue Apr 09, 2019 9:06 pm
Forum: Personal Consumer Issues
Topic: Lawn Service and Landscaping
Replies: 14
Views: 1214

Re: Lawn Service and Landscaping

Thanks! I’ll ask around and search on nextdoor for recommendations.
by apple44
Tue Apr 09, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: Lawn Service and Landscaping
Replies: 14
Views: 1214

Re: Lawn Service and Landscaping

In Texas, my lot was 1/3 of an acre. Lawn mowing and trimming was $50 every other week in-season. Fall and spring clean up (tree/brush trimming, mulch, seasonal fertilizing, etc.) were an additional $75 each season. My neighbor had his elaborate flower beds and bushes attended to at an additional $...
by apple44
Tue Apr 09, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: Lawn Service and Landscaping
Replies: 14
Views: 1214

Lawn Service and Landscaping

Our yards and lawn need some serious service. I started to search around for companies that provide these services on Nextdoor, google, etc. I'm curious how much money have you spent on the following: 1. Bi-weekly lawn mowing / leaf blowing (my husband said he'd do it but he's been very sloppy about...
by apple44
Tue Mar 26, 2019 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Help with law school decision
Replies: 78
Views: 6426

Re: Help with law school decision

Also, consider posting your question on this forum or do some digging there (your daughter may already know about this):
http://www.top-law-schools.com/forums/index.php
by apple44
Tue Mar 26, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Help with law school decision
Replies: 78
Views: 6426

Re: Help with law school decision

I'm an attorney in big-law for 8 years now, graduated from a top 14 law school, so I may be biased. I'm from the class of 2010, which means I graduated during the deep of the financial crisis, and even from a top 14 law school, we had a hard time finding good paying jobs. The NYTimes even had an art...
by apple44
Thu Mar 21, 2019 9:15 am
Forum: Personal Investments
Topic: First Time Portfolio Review
Replies: 5
Views: 721

Re: First Time Portfolio Review

Thank you both for having the patience to read my long post and for giving me valuable advice! So action items are: 1. Move accounts from TDAmeritrade to Schwab. This may sound very ignorant, but the reason that we have so many accounts is that we never moved anything out of any bank, so here's the ...
by apple44
Wed Mar 20, 2019 1:58 pm
Forum: Personal Investments
Topic: First Time Portfolio Review
Replies: 5
Views: 721

First Time Portfolio Review

Hello, Below please find our information and current asset allocation. Would you please help us make adjustments and help us answer the questions listed? Emergency funds: we have this. Debt: only Mortgage, maturity date 10/1/2030, interest rate 2.75%. Tax Filing Status: Married filing jointly with t...
by apple44
Tue Mar 19, 2019 8:31 pm
Forum: Personal Investments
Topic: 92 year old father - portfolio review - how much "help"?
Replies: 12
Views: 1569

Re: 92 year old father - portfolio review - how much "help"?

No opinion on asset allocation, since it seems that he’s doing just fine. I would say the most important things now are: 1. Gather all account information. ALL. Including deposit safe box. Ask him to think hard and write down everything. 2. Check what life insurance he has. 3. Check who are the bene...
by apple44
Tue Mar 19, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 37118

Re: [2018 tax return - How does it compare to previous years?]

Just finished my federal return. The 2018 Form 1040 looks so different from the 2017 Form! Due to the $10,000 cap on property tax, I'm taking a standard deduction vs. itemized deduction like I did in the previous years. However, my earnings went up by $38K and total tax went down by $2K, and the eff...
by apple44
Mon Mar 18, 2019 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Should we purchase $700k home?
Replies: 101
Views: 7650

Re: Should we purchase $700k home?

I understand why other people would caution you against buying the new home. But I think it's OK to go for it! I'm in similar situation as you are -- two working parents with a toddler and a baby due in May, similar net worth, assets, liabilities (we don't have a boat but we have a mortgage on the ...
by apple44
Mon Mar 18, 2019 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Should we purchase $700k home?
Replies: 101
Views: 7650

Re: Should we purchase $700k home?

Net worth looks a bit low for such high incomes. Did you see their ages or the $250k sailboat? I was thinking the exact opposite (and therefore assuming there was some inheritance involved). Exactly my thought! They are 32-33 year old couple with a net worth of 1.2m! That's considered a bit low? Al...
by apple44
Mon Mar 18, 2019 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Should we purchase $700k home?
Replies: 101
Views: 7650

Re: Should we purchase $700k home?

I understand why other people would caution you against buying the new home. But I think it's OK to go for it! I'm in similar situation as you are -- two working parents with a toddler and a baby due in May, similar net worth, assets, liabilities (we don't have a boat but we have a mortgage on the $...