Search found 50 matches

by ag1
Fri May 24, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Renewing TSA Precheck
Replies: 18
Views: 2211

Re: Renewing TSA Precheck

You should apply early. These days it may take several monthsFor renewals.
by ag1
Sun Apr 14, 2019 7:19 am
Forum: Personal Consumer Issues
Topic: What about IEOR at Berkeley vs CS at UMich/UCLA?
Replies: 52
Views: 3203

Re: What about IEOR at Berkeley vs CS at UMich/UCLA?

thank you for your comments and insights.
by ag1
Wed Apr 03, 2019 6:14 am
Forum: Personal Finance (Not Investing)
Topic: New Bank: Schwab or Fidelity
Replies: 20
Views: 1578

Re: New Bank: Schwab or Fidelity

When you use the ATM card linked to Fidelity cma card at an ATM machine, do you get access to your brokerage accounts as well? I am worried that is a major security risk in case someone gets hold of your cards !!.

Or is there a way to restrict your ATM card to see only the CMA account


Ag
by ag1
Mon Apr 01, 2019 6:39 am
Forum: Personal Finance (Not Investing)
Topic: Tax Audit
Replies: 19
Views: 2325

Re: Tax Audit

It is pretty standard in NYC to establish residency. I had one recently where they asked me for all bank statements, all credit card statements, telephone bills, school records for kids, E-ZPass records, tax records, etc for 2014-16. It would be a major pain in the bu.t. The only reason they do so i...
by ag1
Mon Mar 25, 2019 6:48 am
Forum: Personal Finance (Not Investing)
Topic: [Retiring before 65: How do you deal with health insurance?]
Replies: 88
Views: 11414

Re: [Retiring before 65: How do you deal with health insurance?]

I have a question about ACA. It might be unique to new York but probably not. When I check ACA options I see bronze level plans with pricing for my family ( two adults, 3 kids) ranging from 2100 us to 3500 with seemingly no difference in coverage. They are all bronze. Why does this happen? Is the di...
by ag1
Sun Mar 10, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Airline travel and economy: pay $$ to pick seats
Replies: 116
Views: 7607

Re: Airline travel and economy: pay $$ to pick seats

I am amazed by the total lack of empathy in some comments. 600-800 is still a lot of money for most people and this is on top of the air fares which are not cheap at all. People seem to suggest that the poster is some how cheap or irresponsible because he is trying to save 600-800 USD while flying w...
by ag1
Sat Mar 02, 2019 6:51 pm
Forum: Personal Consumer Issues
Topic: Satellite Phone rental for foreign travel
Replies: 23
Views: 1585

Re: Satellite Phone rental for foreign travel

I have carried a satellite phone while back packing in remote areas. But do realize that these are not cell phones with data or any apps. These are really thick bricks which do allow you to receive and make phone calls while in remote areas. I used it in Canada. For international travel my current s...
by ag1
Sun Jan 27, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Rental car totalled - amex insurance issue
Replies: 25
Views: 4321

Re: Rental car totalled - amex insurance issue

Folks I wanted to give an update on this issue. Briefly there was a dispute between Avis and Amex premium insurance on the amount of cash value of the rental car that I had totaled. And Avis was threatening to stick me with the difference ( approx. 2000 usd). A few days after posting this email on t...
by ag1
Fri Jan 18, 2019 6:45 pm
Forum: Personal Consumer Issues
Topic: Curry Powder?
Replies: 38
Views: 2188

Re: Curry Powder?

You can try amazon - https://www.amazon.com/Shan-Spices-Variety-Tandoori-Chicken/dp/B07DLH1DTH/ref=sr_1_fkmr0_1?crid=ED5UKNIMLQQQ&keywords=shaan+chicken+masala&qid=1547854873&sprefix=shaan+chicken+c%2Caps%2C150&sr=8-1-fkmr0 You can also do online delivery from patelbrothersusa.com . That is an india...
by ag1
Thu Jan 17, 2019 10:07 pm
Forum: Personal Consumer Issues
Topic: MMORPG games
Replies: 63
Views: 5711

Re: MMORPG games

That blog is incredible - I don't know how the author has pulled that off - very impressive. Thank you for giving me the information.
regards
Ag1
by ag1
Mon Jan 14, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: MMORPG games
Replies: 63
Views: 5711

Re: MMORPG games

Anybody played nethack - ASCII character based dungeons and dragons. I spent a while year of my grad school. Those were the days ...

Ag1
by ag1
Wed Dec 12, 2018 2:55 am
Forum: Personal Finance (Not Investing)
Topic: Rental car totalled - amex insurance issue
Replies: 25
Views: 4321

Re: Rental car totalled - amex insurance issue

I think my best bet is to keep escalating the issue with amex. I will keep the group posted on how it turns out
Thanks again for all your help
AG
by ag1
Mon Dec 10, 2018 3:25 am
Forum: Personal Finance (Not Investing)
Topic: Rental car totalled - amex insurance issue
Replies: 25
Views: 4321

Rental car totalled - amex insurance issue

My rental car got stuck in a flooded road and was totaled. I rent on American Express card and pay for amex premium coverage as primary and assumed it will all be taken care of. After a couple of months I heard from the car rental company that amex is paying for approx 90% of the net ACV ( actual ca...
by ag1
Tue Sep 11, 2018 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 6329

Re: Lab test prices - exasperating!

It is not as easy as being financially independent. Now credit scores are used by insurance companies to price your premiums and by credit card companies/Banks to keep your accounts open.

But after receiving the bills you can negotiate them.

Ag
by ag1
Tue May 29, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Scotland in 2019
Replies: 16
Views: 1644

Re: Scotland in 2019

If you interested in single malts - look at area of Speyside , not too far from Inverness. It is a beautiful area to do daily hikes and combine it with distillery tours. I was there earlier this year - and had a great time with friends.
by ag1
Mon Apr 23, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: Help me with my email in Shanghai.
Replies: 8
Views: 1097

Re: Help me with my email in Shanghai.

One way out of this mess is 1) create a Microsoft Outlook account, 2) call someone you know and trust back home, 3) ask them to login to your Gmail account, 4) go to settings and switch on the option to auto forward all email to the new Outlook account. 5) you can freely login to Outlook email from ...
by ag1
Tue Apr 10, 2018 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Owners Title Insurance - Super Heavy Handed Pitch
Replies: 101
Views: 8082

Re: Owners Title Insurance - Super Heavy Handed Pitch

Title insurance is useful. I will relate true story of a close friend who slipped it. My friend bought an old house on 7 acres of land from the estate sale on the death of a fairly old person. That fellow had stated in the house for 40+ years. All the docs were clear. My friend was paying cash almos...
by ag1
Tue Apr 10, 2018 1:12 pm
Forum: Personal Investments
Topic: Thoughts on Realty mogul, Patch of Land, Peer street as investments ?
Replies: 13
Views: 1919

Re: Thoughts on Realty mogul, Patch of Land, Peer street as investments ?

One disturbing thing I noticed was that the loans were given on loan to asset value. They defined asset value as the value of the asset when completed. That understates the risk of the investment massively. Second, when I asked one of the companies about their experiences in courts, recovery and law...
by ag1
Mon Jan 29, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: Scotland tour - Spirit of Speyside
Replies: 8
Views: 1109

Re: Scotland tour - Spirit of Speyside

Thank you. I plan to start calling them next week and make some reservations. But it's the atmosphere in these like Florida spring break or is it more chilled out- I am too old to enjoy the former. But do enjoy a fine drink

Ag1
by ag1
Sun Jan 28, 2018 10:06 pm
Forum: Personal Consumer Issues
Topic: Scotland tour - Spirit of Speyside
Replies: 8
Views: 1109

Scotland tour - Spirit of Speyside

A bunch of friends and me are going in late April/May to Scotland for a walking tour as well as attending the spirit of Speyside Whiskey festival. We also hope to visit some distillaries in the area. This will be my first such trip - If you have any tips for the festival or places we must visit/ thi...
by ag1
Thu Dec 29, 2016 1:37 pm
Forum: Investing - Theory, News & General
Topic: How are expense ratios charged?
Replies: 6
Views: 815

Re: How are expense ratios charged?

If you have friends who are in similar boat, you could each individually open up a management LLC - hire each other for advice, mgmt and open up your business for managing money for other people. At that point you can expense away your costs, pay yourself salaries and have perfectly legitimate busin...
by ag1
Fri Dec 02, 2016 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Just got a PENALTY letter from IRS...
Replies: 4
Views: 1442

Re: Just got a PENALTY letter from IRS...

I have had good luck with first time forgiveness from irs. I had set up a new llc with a friend and forgot to file an extension in April. Then I received a letter from IRS with almost 1500 usd ink penalty for not filing an extension. I wore to them a polite letter explaining i was new to this, first...
by ag1
Mon Oct 17, 2016 1:12 pm
Forum: Personal Consumer Issues
Topic: Cell phone service abroad
Replies: 79
Views: 9337

Re: Cell phone service abroad

That is no problem as long as your phone is GSM compatible and unlocked. You can buy a prepaid sim card in most foreign countries very often at the airport itself. Just make sure that your phone is unlocked and GSM.
by ag1
Tue Jun 28, 2016 1:13 pm
Forum: Personal Investments
Topic: Any tips for doing hard money lending?
Replies: 4
Views: 935

Re: Any tips for doing hard money lending?

In hard money lending what has worked for me 1) Get third party cash sale appraisals . ie what does the appraiser think the value of land/building is in a 3 month cash sale. Make sure you do not loan more than 75% of that value. So if a land is appraised at 1mm usd do not give more than 75% of that ...
by ag1
Thu Dec 10, 2015 2:19 pm
Forum: Investing - Theory, News & General
Topic: [Third Avenue liquidates its high-yield bond fund]
Replies: 130
Views: 12288

[Third Avenue liquidates its high-yield bond fund]

http://www.wsj.com/articles/as-high-yield-debt-reels-mutual-fund-blocks-holders-from-redeeming-1449767526 This is a third avenue credit focused fund that just announced that it will stop all redemptions on its mutual fund. Now the fund will be liquidated and the remaining shareholders will be paid a...
by ag1
Sun Dec 06, 2015 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to another country - converting currency
Replies: 9
Views: 1958

Re: Moving to another country - converting currency

I would recommend she not carry more than $10,000 (US equivalent) of currency through customs. She will get a bunch of questions. Better to have a bank in South Korea issue a Cashier's Check and deposit it upon arrival in the U.S. If she does decide to carry more then $10,000 in currency, she must ...
by ag1
Sun Sep 27, 2015 3:40 pm
Forum: Personal Consumer Issues
Topic: relocating to boulder, CO from NYC suburb
Replies: 27
Views: 3599

Re: relocating to boulder, CO from NYC suburb

Guys
i thank you very much for the extensive information and views that you have given me. This is why i love bogleheads . I am visiting Boulder in mid October - probably go again in mid winter and will post on the forum my thoughts.
regards
anshu
by ag1
Thu Sep 24, 2015 9:37 pm
Forum: Personal Consumer Issues
Topic: relocating to boulder, CO from NYC suburb
Replies: 27
Views: 3599

Re: relocating to boulder, CO from NYC suburb

Agree great place to live...but (a) the People's Republic of Boulder is VERY liberal so be sure you're ready for that; and (b) I cannot imagine there is more diversity in Boulder than my NYC suburb, but that's okay. Phenomenal weather, clean air and scenery, just be sure you don't buy any bottled w...
by ag1
Thu Sep 24, 2015 9:31 pm
Forum: Personal Consumer Issues
Topic: relocating to boulder, CO from NYC suburb
Replies: 27
Views: 3599

Re: relocating to boulder, CO from NYC suburb

Buy climbing shoes and skiis. Been a while since I lived there. Schools should be fine but rather more diverse than a NYC burbs school. Getting crowded and has winter air pollution - or at least it used to. College town so arts, theater etc, plus not far from Denver. Good food easy to find. Sounds ...
by ag1
Thu Sep 24, 2015 9:28 pm
Forum: Personal Consumer Issues
Topic: relocating to boulder, CO from NYC suburb
Replies: 27
Views: 3599

Re: some fora are better than others for certain actions

http://www.city-data.com/forum/boulder-area/ is the place to post your question I have over the years found that people on these forums have more in common than a love for vanguard and Mr Bogle. I have received a lot of very valuable and well thought out advice on this forum on variety of topics. S...
by ag1
Thu Sep 24, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: relocating to boulder, CO from NYC suburb
Replies: 27
Views: 3599

relocating to boulder, CO from NYC suburb

I am 45 - in finance industry with two kids 8 , 11 and spouse. I am tired of living on east coast, high COL, the traffic, the crowds but do enjoy the variety of cultural activities and food. I would really like to move out of this area and have often dreamt of moving to Boulder , CO. I have been the...
by ag1
Mon Nov 04, 2013 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: getting that in-person interview
Replies: 18
Views: 1928

Re: getting that in-person interview

If company b is well known, then you must inform the company A managers, that you have a likely job offer from B. I had a great outcome when I was in a similar situation. I had had several phone interviews with company A but was going no where fast. My company B was a big prestigious firm who interv...
by ag1
Mon Nov 04, 2013 10:31 pm
Forum: Personal Consumer Issues
Topic: winter wool jacket
Replies: 22
Views: 4651

Re: winter wool jacket

Thanks for the various suggestions. I am thinking of trying out filson. The Burberry style coats are very nice but I find them too formal. I am trying to avoid the whole wall street banker /lawyer look. People don't like them these days :-)
Thanks very much again
Ag1
by ag1
Sun Nov 03, 2013 4:26 pm
Forum: Personal Consumer Issues
Topic: winter wool jacket
Replies: 22
Views: 4651

winter wool jacket

I want to buy a nice wool jacket that would let me handle New York winters but is nice to wear and of good quality. I am generally tired of buying cheap quality - made in china or XXXX ( name your favorite third world country) stuff. I would rather spend on good quality things but am finding it pret...
by ag1
Fri Jul 20, 2012 12:29 pm
Forum: Personal Investments
Topic: VGSH substitue
Replies: 4
Views: 1028

Re: VGSH substitue

Thank you very much for the suggestion. SHY should be great. Treasury direct is not convenient as - it is multiple steps to rebalance - sell the treasury, transfer money to bank - transfer to vanguard and then buy other stocks.
by ag1
Fri Jul 20, 2012 12:29 pm
Forum: Personal Investments
Topic: VGSH substitue
Replies: 4
Views: 1028

Re: VGSH substitue

Thank you very much for the suggestion. SHY should be great. Treasury direct is not convenient as - it is multiple steps to rebalance - sell the treasury, transfer money to bank - transfer to vanguard and then buy other steps.
by ag1
Fri Jul 20, 2012 10:49 am
Forum: Personal Investments
Topic: VGSH substitue
Replies: 4
Views: 1028

VGSH substitue

As part of my AA - i want to have 10% of my assets in a short term treasury fund. The idea is to have the equivalent of 2y treasury risk and return profile. Vanguard has one etf - VGSH . However that has very low volume and erratic bid ask spreads. Can you suggest some other equivalent or close to i...
by ag1
Tue Aug 04, 2009 9:39 am
Forum: Personal Investments
Topic: Net net net lease
Replies: 3
Views: 1020

Thanks to both of you for your thoughtful comments. i will look at the REIT. John - you are right - If anyone invested in Detroit commercial real estate 25 years back - odds are it is worth zero at this point. But that is where diversification would have been useful. The cap rates have definetely in...
by ag1
Mon Aug 03, 2009 11:54 am
Forum: Personal Investments
Topic: Net net net lease
Replies: 3
Views: 1020

Net net net lease

Folks I am sure some people here have a lot of experience in investing in NNN leases in commercial properties. I am looking at this stuff and at the face of it , it looks very interesting. However I am sure I am missing a lot of potential problems and pitfalls - So will appreciate any advice -- The ...
by ag1
Sun Apr 29, 2007 10:44 am
Forum: Personal Investments
Topic: buying farmland - help a city slicker
Replies: 20
Views: 6665

You guys have raised some important points for me to ponder - Bigbird, Regarding human capital - I am 36 - fairly young - but this is somewhat misleading as I had a few very good years of earning which are unlikely to be repeated. So my human capital is a lesser part of my total capital than it woul...
by ag1
Sat Apr 28, 2007 8:30 pm
Forum: Personal Investments
Topic: buying farmland - help a city slicker
Replies: 20
Views: 6665

Thanks for your words of caution and knowledge - I sent you a PM with more details - I do really appreciate your time
by ag1
Sat Apr 28, 2007 1:03 pm
Forum: Personal Investments
Topic: buying farmland - help a city slicker
Replies: 20
Views: 6665

Yes - Ole Meph's prose sums up my feeling so well. Land has always seemed so much more than an investment to me. The reason I am more attracted to this than upstate New york land or any other place is that this is actually cashflow positive land. The biggest drawback that I have always thought of la...
by ag1
Sat Apr 28, 2007 8:21 am
Forum: Personal Investments
Topic: buying farmland - help a city slicker
Replies: 20
Views: 6665

buying farmland - help a city slicker

I saw an ad for a big farmland(almost 4000 acres) in washington state - I have never bought land before - so was wondering if anyone could give me help or caution me. It will be a sizable purchase for me - more than half my net worth - so I am very nervous. Most of the land is planted under a long t...
by ag1
Thu Apr 19, 2007 5:01 am
Forum: Personal Investments
Topic: Help with my allocation - Newbie
Replies: 9
Views: 2259

Laura - thanks for your ideas - This helps a lot - thanks
by ag1
Wed Apr 18, 2007 1:27 pm
Forum: Personal Investments
Topic: Help with my allocation - Newbie
Replies: 9
Views: 2259

Laura - I am in the 35% bracket - So No ROTH. there is no employer matching but atleast the contribution is pretax. New york state has very high state tax and city tax- So all in marginal tax rate is almost 40%. I can put aftertax money in an IRA - But it will be aftertax money and only 4000 a year....
by ag1
Wed Apr 18, 2007 10:12 am
Forum: Investing - Theory, News & General
Topic: Why have any bond fund when a money market pays more?
Replies: 12
Views: 5045

I would argue that you should move to 28 day TBills - They pay around 5.2% these days - Their yields are state and local tax free - So living in a high tax area like NY or California - it is the equivalent of 5.6-5.8% depending on your bracket. You can buy these easily through treasurydirect or fide...
by ag1
Wed Apr 18, 2007 5:42 am
Forum: Personal Investments
Topic: Help with my allocation - Newbie
Replies: 9
Views: 2259

Laura
I have also added the ER for the funds that I own to my very first post. I thought about the Temepleton Emerging market fund to add some EM exposure - but the expense ratio of the fund is horrible - Over the long term that alone should account for most -if any- outperformance that EM has.

AG1
by ag1
Wed Apr 18, 2007 5:36 am
Forum: Personal Investments
Topic: Help with my allocation - Newbie
Replies: 9
Views: 2259

They do offer some bond funds - FBIDX Fidelity US bond Index fund-intermediate bond fund - 0.5% LBHBX - Lehman High income bond fund - high yield fund - 0.9% PTRAX - Pimco total return bond - intermediate term bond - 0.68% They also have the fidelity life allocation funds with maturity targets 2020 ...
by ag1
Wed Apr 18, 2007 3:43 am
Forum: Personal Investments
Topic: Help with my allocation - Newbie
Replies: 9
Views: 2259

more fund details

Laura 1) I have very little money outside the 401K and I bonds. At this point these two are almost 99% of funds. 2) I bought I bonds a few years back - and think of them a a bond fund proxy. I am not adding any new money to them - Over time - I plan to allocate new money to more traditional bond fun...
by ag1
Tue Apr 17, 2007 6:06 pm
Forum: Personal Investments
Topic: Help with my allocation - Newbie
Replies: 9
Views: 2259

Help with my allocation - Newbie

I am a 36 year old married guy with a 2y child living in New York. I have a 401K plan from my employer and wanted to get your comments regarding the asset allocation. I have been very impressed by the people on this board and have decided to move to a systematic approach rather than the largely haph...