Search found 1297 matches

by harrychan
Sat Oct 21, 2017 10:43 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 67
Views: 3498

Re: Anyone planning on getting the new Pixel phone?

I thought about getting the Pixel 2 XL but once I saw the price, I went and bought the OnePlus 5. Great reviews, battery life, stock Android experience at just over $500 for 128GB. Great deal imo.
by harrychan
Sat Oct 14, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 37
Views: 3102

Re: New mattress

Best is to go and try it yourselves. Don't blindly go with the hype of say foam mattress without really trying it. Two of my close friends recently got foam mattress. One was temperpedic which can go $2500 and another from Costco for $700. Both swear by how amazing it is. DW and I tried it at sears ...
by harrychan
Sat Oct 14, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Another Job Offer Dilemma
Replies: 13
Views: 1587

Re: Another Job Offer Dilemma

Honestly, insufficient info. Offer #1 with the RSU is enticing but also risky. Can you occasionally WFH? If I were young and without any family, I may go with offer #1. If you were a bit older (40+) and with family, probably go with offer #2.
by harrychan
Tue Oct 10, 2017 10:37 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6439

Re: Asking for discounts

I occasionally ask for discounts if I see blemish on the merchandise or open box / floor models at big box stores. I'll never ask for discount at small businesses or street vendors.
by harrychan
Sat Sep 30, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: Luggage locks
Replies: 15
Views: 1067

Re: Luggage locks

chabil wrote:
Sat Sep 30, 2017 12:47 pm
harrychan wrote:
Sat Sep 30, 2017 12:07 pm
I use zip ties and I tie them tight. If they want to cut them off, be my guest.
do you carry scissors to cut them with you in your carry on? are they allowed?
I carry fingernail clippers.
by harrychan
Sat Sep 30, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 3992

Re: I bought a car without thinking too much about value

I think you did fine, except for the extended warranty that is not needed. I got sold the warranty by the guy using a bit of a scare tactic telling me the average prius repair they see in the shop is $2200 It might be worth it, who knows When did you buy the car? If it is within a time period (some...
by harrychan
Sat Sep 30, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: My first promotion without a pay increase
Replies: 47
Views: 4939

Re: My first promotion without a pay increase

I've been in your position. I was in the same IT megacorp for 14 years except I got regular promotions. In the early days around mid 2000's, I got 10 and even 15% jump in pay after a promotion. Then I became global head and the pay raises became more in the 2-3% range which was supposed to be "good"...
by harrychan
Sat Sep 30, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 3992

Re: I bought a car without thinking too much about value

Do you have any debt? What are your other saving goals? If you don't have any debt then its fine. It's not a hybrid BMW or something that would cost 50% of your income. With such low daily miles, you likely won't get back the value of the mileage from buying a prius. If it is a lifestyle decision, t...
by harrychan
Sat Sep 30, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Luggage locks
Replies: 15
Views: 1067

Re: Luggage locks

I use zip ties and I tie them tight. If they want to cut them off, be my guest.
by harrychan
Sat Sep 23, 2017 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: california homeowners - do you have earthquake insurance?
Replies: 79
Views: 6346

Re: california homeowners - do you have earthquake insurance?

Live in Los Angeles. We do not have earthquake insurance. As many have mentioned, our lot is worth much more than our physical structure. If we do get hit with a catastrophic earthquake and we survive the quake, we will get a loan to pay for a new house. The amount of interest we will pay during the...
by harrychan
Sat Sep 23, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 11698

Re: Lifestyle Creep

Our household income went up by roughly $150k on Jan of this year. DW went back to work and I got a job that pays 45% more. We became much more conscious of our spending as we wanted to fully maximize our savings. Because of this, we paid closer to what we spend and budget more carefully. As a resul...
by harrychan
Sat Sep 09, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11375

Re: Anyone else freeze their credit score?

The Equifax hack was the straw the broke the camel's back. I froze my wife's and my credit at the 3 major bureaus and Innovis. It's going to be a pain to unfreeze it when we apply for a mortgage, but that is the life we live in now-a-days. Anyone freeze their credit? Blue Man Right behind you. I ha...
by harrychan
Wed Sep 06, 2017 8:07 pm
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 68
Views: 4916

Re: Do I need an Amazon Echo??.....

We use our Echo and Echo dot regularly. Some of our uses: -adding items to our shopping list -setting timers while in the kitchen -setting timers to get kids to read / sleep / shower / xyz -finding out who is right when we get into an argument (alexa, how far is hawaii to california?) -check calenda...
by harrychan
Wed Sep 06, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 24266

Re: Name something you had to have and now you regret purchasing it?

A rental property. Not me but my brother went that rout. He had a professional dead beat tenant who wouldn't pay and it took eight months to evict her. She knew every trick in the book to stay. Owning one property is like owning one stock. My friend's in law is going through this. 4 unit apt and le...
by harrychan
Tue Sep 05, 2017 10:39 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 24266

Re: Name something you had to have and now you regret purchasing it?

Ikea furniture. Absolute POS at every level. Their kitchen organizers or pot hangers are fine but not their furniture.
by harrychan
Wed Aug 23, 2017 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: School Redistricting - What should we do?
Replies: 96
Views: 7392

Re: School Redistricting - What should we do?

Another vote for waiting it out. Keep in mind it is not just your new HS that got their boundaries redrawn. The better school is presumably now have to accept kids from bad neighborhoods. In 5 years, the entire school population will get flushed out and the schools will gain students from different ...
by harrychan
Mon Aug 21, 2017 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Overextended in Bay Area housing?
Replies: 37
Views: 3888

Re: Overextended in Bay Area housing?

Cutting up your credit card and would be a start.
by harrychan
Sat Aug 19, 2017 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Cancer at 38. Going from high income to no income. Need help generating income from $5m portfolio
Replies: 45
Views: 9606

Re: Cancer at 38. Going from high income to no income. Need help generating income from $5m portfolio

The suggestion above is very important under the circumstances. If you don't already, you need to have a full estate plan in place for yourself (and your husband, though that is more straightforward). This plan may need to include more life insurance on your own life so that your children will be p...
by harrychan
Sat Aug 19, 2017 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason to refinance low balance mortgage?
Replies: 13
Views: 954

Re: Any reason to refinance low balance mortgage?

Not sure what your plans are but if you plan on paying it off early, you can refi it to an ARM and pay it off before the interest adjusts. Depending on your income, $98k can be paid off in 3-4 years.
by harrychan
Sat Aug 19, 2017 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 16050

Re: Jobs that pay over $100,000

OP, I'm surprised no one brought this up. It is more important to teach your son about budgeting and living below his means rather than looking at a false safety net of aiming for 6 figs. There are people who become millionaires making under 6 figs their entire career and those making well over but ...
by harrychan
Wed Aug 16, 2017 4:51 pm
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 108
Views: 15706

Re: Revealing Usernames

First two names that came up when I was generating a username. It has zero meaning or association to myself.
by harrychan
Sat Aug 12, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: buying a rental property vs investing more in stocks
Replies: 26
Views: 3324

Re: buying a rental property vs investing more in stocks

Numbers don't work out in your situation in my view. It's too much eggs in one basket and too many things can go wrong (deadbeat renter, earthquake, tech crash). I love me some investment property but only if you can afford to pay cash and not flinch. Otherwise, you can get much better return with $...
by harrychan
Sat Aug 12, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Career Decision - HCOL area vs. LCOL area
Replies: 13
Views: 1551

Re: Career Decision - HCOL area vs. LCOL area

As you have identified, this is not as simple as a HCOL vs LCOL decision. I live in a HCOL area and live a quality life with little to no debt because we budget. I have a friend that constantly brag about how life is in his MN ranch. I can outright buy out his ranch with the equity I have in my home...
by harrychan
Fri Aug 11, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Feeling guilty about travel expenses
Replies: 25
Views: 3173

Re: Feeling guilty about travel expenses

I'll be the one to say it. 30% of your take home pay of €29000 is too much to spend on travel. Get it over with this year and try to get yourself a little more frugal next year. This. It is so tempting to keep up with the Jones. It is a saying Americans use as a euphemism when someone is spending m...
by harrychan
Tue Aug 08, 2017 6:07 am
Forum: Personal Consumer Issues
Topic: Buy Google Pixel mobile now or wait for Pixel 2
Replies: 33
Views: 3164

Re: Buy Google Pixel mobile now or wait for Pixel 2

If you can't wait and want a good budget android device, get the one plus 5.im using it now after 3 years with the one plus one.
by harrychan
Sat Jul 22, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: Career Advice
Replies: 19
Views: 1725

Re: Career Advice

Initially, I thought teaching for sure but after rereading your post, I would go to the megacorp for 3-4 more years then go teaching. I think you have too much in you to 'settle' for a part time teaching job. It also sounds like the teaching job will be there. Alternative may be to go part time / co...
by harrychan
Sat Jul 15, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Urgent 1st world problem [coffeemaker]
Replies: 48
Views: 3610

Re: Urgent 1st world problem [coffeemaker]

I tried many coffee makers and ultimately settled on using an aeropress for my daily brewing. Economical and great taste.
by harrychan
Mon Jul 10, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Having someone else pay our mortgage
Replies: 13
Views: 2754

Re: Having someone else pay our mortgage

Seems like you made the right decision. The only exception would be if you had the cash to buy the future house outright but then it wouldn't be mortgage :)
by harrychan
Mon Jul 10, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 13727

Re: How did you handle the costs of your child's wedding?

Our kids are about your age. We haven't thought about paying for their wedding but from the rate we are saving with boglehead mentality, we would be in good shape to support them as needed. For our own wedding, my great uncle from my dad's side gifted us gold coins and my FIL gifted us stocks. 4 yea...
by harrychan
Fri Jul 07, 2017 12:12 am
Forum: Personal Consumer Issues
Topic: Task management / organizing app
Replies: 52
Views: 2270

Re: Task management / organizing app

I use evernote for my personal notes and to do lists which can sync across devices.
For lists such as shopping, I use alexa app which integrates into my echo devices.
by harrychan
Tue Jul 04, 2017 7:47 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Pixel?
Replies: 46
Views: 4676

Re: Anyone bought a Pixel?

I passed by the Pixel and got the recently launched One Plus 5. Despite all the criticism it is receiving, it is a great phone for a fraction of the cost of a Samsung Galaxy S8 or iphone 7+. I haven't had any issues and very happy with the purchase. I've used the One Plus One for 2.5 years.
by harrychan
Tue Jul 04, 2017 7:44 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 12135

Re: What do you splurge on?

I get a full body massage once every 2-3 weeks. My wife's splurge is the cleaning lady who comes twice a month. She does a fantastic job!
by harrychan
Tue Jul 04, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: UberX or UberXL??
Replies: 15
Views: 1580

Re: UberX or UberXL??

Go UberXL. It will at least assure you a 7 seater. I usually compare between uber and lyft and choose between the two that gives me the best price. If you are anxious, just give uber a try to go to run an errand or something just to get a feel of everything.
by harrychan
Tue Jul 04, 2017 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon FBA Seller
Replies: 9
Views: 1426

Re: Amazon FBA Seller

Ever wonder how Amazon makes money from Prime members offering free shipping? The sellers foot the bill. The fees associated with FBA is so atrocious that you need a really high margin in order to make any money. For a lot of small potato sellers, it simply isn't worth it. I currently consult for a ...
by harrychan
Tue Jul 04, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: When to leave a job?
Replies: 11
Views: 2044

Re: When to leave a job?

I got out. I am about a decade younger than you. I was a network engineer who eventually become team lead and then manager. Initially, I was managing network engineers across the US and Europe who were soon replaced by engineers in India where the salary is 1/4 that of direct hires. Calculate benefi...
by harrychan
Sat Jul 01, 2017 1:35 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 15405

Re: Sam's Club vs. Costco

We have a Sam's and Costco across the street from each other (more or less). We went with Sam's for 2 main reasons. 1) Crowds - Always much slower at Sam's with plenty of checkout folks around. Hardly every a wait. Costco, well, it is a disaster, and I am not a fan of paying for the privilege of wa...
by harrychan
Fri Jun 30, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo vs. Google Home: which to get?
Replies: 41
Views: 3234

Re: Amazon Echo vs. Google Home: which to get?

I have Echo and Echo dot. It works for me as I mainly use it to listen to pandora, link it with my honeywell home thermostat and to manage calendar and shopping or to do lists. The major up GH have on AE is search. If you will use the device to ask a lot of wiki type questions then get the Home. If ...
by harrychan
Mon Jun 26, 2017 11:59 pm
Forum: Personal Consumer Issues
Topic: California Vehicle - lien holder issue?
Replies: 3
Views: 400

Re: California Vehicle - lien holder issue?

Contact Toyota Financial. Tell them the situation. They should be able to find information from your VIN number that it has been paid off. They will then issue a new pink slip without a lien.
by harrychan
Sun Jun 25, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: Buy condo at Trump Tower Chicago a good deal?
Replies: 24
Views: 3720

Re: Buy condo at Trump Tower Chicago a good deal?

From an outsider perspective, I would wait to buy anything in Chicago.

http://thehill.com/blogs/blog-briefing- ... ed-to-junk
by harrychan
Sun Jun 25, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Can we/should we afford a $2M house?
Replies: 96
Views: 15051

Re: Can we/should we afford a $2M house?

Congrats on the success OP. The only feedback I can give is to account for delays in construction and cost for options and upgrades for your home. Just because you get to choose on materials and design, you will find that the developer will upsell you on everything way above market. And even so, you...
by harrychan
Sat Jun 24, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Bay Area housing
Replies: 69
Views: 6576

Re: Bay Area housing

We were in the same shoes except in SoCal and 10 years ago. Prices didn't make sense where condos were selling for $550k. We saw the dip and pulled the trigger. What helped was we bought a house that we knew we could stay in long term and that a 10-20% market dip couldn't bother us. The prices kept ...
by harrychan
Thu Jun 22, 2017 10:37 pm
Forum: Forum Issues and Administration
Topic: Amazon link
Replies: 1
Views: 623

Re: Amazon link

No. The point is by using the amazon link on this page, a small % of all referrals from your purchase will help with the expense of running this forum. Amazon Smile is Amazon's attempt at minimizing that cost by claiming they donate to your charity but in fact they are simply taking away referrals f...
by harrychan
Thu Jun 22, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: New Baby - Wife stay at home for 1 year?
Replies: 48
Views: 4556

Re: New Baby - Wife stay at home for 1 year?

Also in CA and the wife decided to stay at home for 2 years. Similar income. No regrets. It took a bit for her to find a job but it was fine. Now happily employed. She will likely quit when I can make a bit more (maybe $20-40k) which I expect in about 3-4 years.
by harrychan
Sun Jun 18, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Poaching chicken
Replies: 51
Views: 4816

Re: Poaching chicken

Forget cooking them. Buy the cooked rotisserie chicken meat they have at Costco the same day and repackage them. They will already be shredded and the salad person can just toss them in. If asked, just fess up that you are vegetarian and have never cooked chicken. Poaching a single chicken breast is...
by harrychan
Sun Jun 18, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone into real estate investing here?
Replies: 12
Views: 1201

Re: Anyone into real estate investing here?

At one point I invested in a 4-plex near a university with a colleague. After maybe 2-3 years we sold it. The truth with real estate investing is it is based on the locality of the property. Around here, a HCOL area, you need a lot of capital to purchase a home that you think would appreciate. Other...
by harrychan
Sat Jun 17, 2017 10:01 pm
Forum: Personal Consumer Issues
Topic: Car purchase Vs. car leasing
Replies: 11
Views: 1595

Re: Car purchase Vs. car leasing

If you are purely looking at financial aspect, the best deal is to buy a 2-3 year old car where it has depreciated but still under factory warranty.
by harrychan
Wed Jun 14, 2017 11:43 pm
Forum: Personal Consumer Issues
Topic: To buy or not to buy and move?
Replies: 19
Views: 1695

Re: To buy or not to buy and move?

For me its a no brainer, move. I've been separated from my parents since I was 17 and I wish they were 10 min away. Now my kids are growing up without knowing their grandparents. They only know them through facetime / skype.