Search found 17 matches

by carne_asada
Sat Oct 17, 2020 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Delayed Financing with a margin loan
Replies: 9
Views: 703

Delayed Financing with a margin loan

Has anyone here used a margin loan to cover the initial purchase of a home as part of a delayed financing mortgage? The plan would be to take out the margin loan to cover the purchase and then repay the margin loan as as soon as I received cash out from the mortgage. This would let me compete in my ...
by carne_asada
Fri Jul 03, 2020 10:16 am
Forum: Personal Consumer Issues
Topic: Tesla Solar Roof - Any Installs? Consults?
Replies: 9
Views: 1293

Re: Tesla Solar Roof - Any Installs? Consults?

Unless you really want the aesthetics of a Tesla Roof - a new asphalt roof +panels is usually much less expensive at the moment.
by carne_asada
Sat Apr 04, 2020 6:25 pm
Forum: Personal Consumer Issues
Topic: is a $1000+ herman miller office chair worth the investment?
Replies: 55
Views: 5771

Re: is a $1000+ herman miller office chair worth the investment?

$1000 on a chair buys you durability and adjust-ability. Aeron's aren't for everyone and not as adjustable as some other options - I personally don't find them comfortable ( I'm average build and height). My very large employer use steelcase gesture chairs and I also have a steelcase at home. If you...
by carne_asada
Mon Mar 30, 2020 4:40 pm
Forum: Personal Consumer Issues
Topic: Tipping in new reality?
Replies: 80
Views: 4822

Re: Tipping in new reality?

I'm tipping way more generously to delivery drivers. What was previously a side-gig for many drivers is now likely their only source of income. An extra 10 or 15 dollars doesn't mean much to me but it can go a long way to help support some one struggling to pay the bills. Not to mention they are put...
by carne_asada
Thu Feb 13, 2020 11:53 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1764
Views: 147920

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

At the moment: I'm more concerned about Chinese supply chain disruptions. I stocked up on formula ,wipes and diapers (but not much else) as these things are already pricey and I wanted to hedge any price shocks caused by potential upstream supply chain issues for these products. Even if products are...
by carne_asada
Sat Feb 08, 2020 9:28 am
Forum: Non-US Investing
Topic: Banking ATM card with no international ATM fees and foreign exchange fees
Replies: 24
Views: 8631

Re: Banking ATM card with no international ATM fees and foreign exchange fees

TD Bank is good option for travel. They have two checking products: both have zero FX transaction fees and zero fidelity ATM fees. The premium product with full ATM fee reimbursement has a monthly fee with a few ways to wave it(diect dep or 2500 min balance). You can also easily flip back and forth ...
by carne_asada
Tue Feb 04, 2020 11:04 am
Forum: Personal Consumer Issues
Topic: NYC w/ 10 month old and no stroller or car seat. Doable?
Replies: 39
Views: 2540

Re: NYC w/ 10 month old and no stroller or car seat. Doable?

Very doable: Lots of NYC parents use carriers instead of strollers. Whichever carrier you get: make sure it's comfortable for both of you and try to use it for an entire day each before your trip. If you end up needing a stroller, you can always pick up a cheap umbrella stroller for $20 from one of ...
by carne_asada
Fri Dec 27, 2019 3:40 pm
Forum: Personal Consumer Issues
Topic: Sleep Masks & Ear Plugs
Replies: 35
Views: 2434

Re: Sleep Masks & Ear Plugs

If your earplugs are falling out - make sure you you are inserting them correctly(squeeze plug, then pull ear up on top of ear and insert). Otherwise they are too small for your ears.
by carne_asada
Sat Dec 21, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: Tesla Owners: Worth the hassle?
Replies: 88
Views: 7373

Re: Tesla Owners: Worth the hassle?

Road trips are ok as long as there is a supercharger along the halfway point and you aren't driving on during peak travel periods. People waited an hour+ just to start their charge this past Thanksgiving. Waiting to charge can easily make a 4 hour trip into a 6 hour trip. I'd like to get an EV but a...
by carne_asada
Sat Dec 14, 2019 8:02 pm
Forum: Personal Consumer Issues
Topic: Irish Setter Boots
Replies: 9
Views: 959

Re: Irish Setter Boots

Try going to an REI or similar quality hiking shoes store and have them fit you out.
by carne_asada
Mon Dec 09, 2019 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: 16 Weeks Paternity Leave
Replies: 124
Views: 9017

Re: 16 Weeks Paternity Leave

The only way for both men and women to have an easier time taking all of their entitled leave is for men to take their entitled leave. My wife and I each took 16 weeks of parental leave(mostly sequentially) and book-ended the leave with vacation weeks as well. I encourage you to take your full leave...
by carne_asada
Fri Dec 06, 2019 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Amex cost to restaurant
Replies: 41
Views: 4817

Re: Amex cost to restaurant

If your are concerned about costs to the business- just use cash.
by carne_asada
Thu Dec 05, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Is an HSA right for our family?
Replies: 27
Views: 1226

Re: Is an HSA right for our family?

Pregnancy costs are driven by health plan - some have a special line item with a low cost all inclusive deductible and others treat pregnancy the same as any other inpatient procedure + specialist visits. Bulk of the costs are in delivery but the first trimester testing can also get expensive - espe...
by carne_asada
Wed Nov 06, 2019 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - HSA during birth year?
Replies: 27
Views: 1286

Re: Health Insurance - HSA during birth year?

One more thing to consider is individual vs family OOP maximums and deductibles. Newborn testing/shots and day-one in hospital pediatrician visits are all billed with your newborn as the patient and not the mother. Depending on the plan this could be a separate deductible from the mother( it was for...
by carne_asada
Wed Nov 06, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: Your Fantasy Kitchen (Cookware-wise)
Replies: 65
Views: 6396

Re: Your Fantasy Kitchen (Cookware-wise)

I picked up a 5 Qt Le Crusuet braiser on discount ($50) at the outlet store(The $350 list is insane). https://www.lecreuset.com/braiser. It's incredibly versatile and is now an every day workhorse for me. The steep sides give you flexibility to deep/shallow fry and also bit extra surface area compar...
by carne_asada
Sun Nov 03, 2019 10:32 am
Forum: Personal Investments
Topic: HDHP/HSA vs. PPO - Second Opinion
Replies: 18
Views: 1324

Re: HSA vs. PPO - Second Opinion

It's very plan specific - Healthcare usage does generally falls into extremes - how you use your healthcare will drive the decision. One of the calculators has a nice graph that compares plans by $ spend. HSAs can win out in more scenarios if you are planning to use them as a tax deferred accounts -...
by carne_asada
Sat Aug 03, 2019 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy to include seasonal condo
Replies: 15
Views: 779

Re: Umbrella policy to include seasonal condo

Although all these scenarios are exceedingly rare - when they do happen they get expensive very quickly. A few things that pop into mind: Visiting friend slips and falls is seriously injured (or worse) Negligent maintenance causes a fire that spreads to neighbors home Must umbrellas cover your liabi...