Search found 1639 matches

by harrychan
Sat May 23, 2020 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 109
Views: 10526

Re: Approaching 40, worried about financial future

Great advice so far. How long have you been at the same job? How's the job market? Does it have any sort of pension or fringe benefits? I have friends whose kid's college are taken care of because both parents are in the police force and another friend who works at a university.
by harrychan
Sun May 17, 2020 11:59 am
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 3974

Re: Dual citizen, USA passport expiring, how to travel internationally

Options are very limited. There is no magic bullet. Wait till in person appt (libraries, processing centers, post offices) have availability. I would double check on that. Under any circumstances, do not attempt to re-enter with the S. American passport or with an expired US passport.
by harrychan
Sun May 17, 2020 11:57 am
Forum: Personal Consumer Issues
Topic: How do you protect your kids while their online?
Replies: 7
Views: 574

Re: How do you protect your kids while their online?

I'm a big Android guy but the best content filter is the parental control included on apple devices. Others such as windows and Android doesn't come close or don't work including DNS and 3Rd party apps. We have one ipad in our family and cannot find a good way to restrict content for a single user....
by harrychan
Sat May 16, 2020 3:20 pm
Forum: Personal Consumer Issues
Topic: How do you protect your kids while their online?
Replies: 7
Views: 574

Re: How do you protect your kids while their online?

I'm a big Android guy but the best content filter is the parental control included on apple devices. Others such as windows and Android doesn't come close or don't work including DNS and 3Rd party apps.
by harrychan
Fri May 15, 2020 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Good Time to Buy New Car or Wait?
Replies: 38
Views: 3593

Re: Good Time to Buy New Car or Wait?

The answer depends on what car/model you are looking for. I was in the market for a car and recently, I've noticed that dealers stopped communicating with me. Turns out their lots are in short supply as manufacturing as come to a complete halt and barely getting ramped up.
by harrychan
Fri May 15, 2020 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12049

Re: Selling home - low ball negotiation

I'd counter 10k above asking price. They mocked you and they should know. This approach to home selling makes zero sense. The home has been on the market for 2 months in a pandemic. Take emotions out of it. There is no disclosure to not offer less. This is how much they offer. If OP isn't happy wit...
by harrychan
Wed May 13, 2020 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Subaru 0% financing
Replies: 35
Views: 2871

Re: Subaru 0% financing

If you own a Subaru, call their national customer support and tell them you are looking to buy a new car from them and see if they have any promos for loyal customers. They will give you anywhere between $500 - 1000 discount voucher that is good for 3 months.
by harrychan
Wed May 13, 2020 10:49 am
Forum: Personal Consumer Issues
Topic: Is it worth buying an infant car seat for each car.
Replies: 71
Views: 3144

Re: Is it worth buying an infant car seat for each car.

We did but we regularly dropped off and picked up based on our schedule. I did see some parents leave the car seat at the daycare for their SO to install when they pick their child up. I think it's worth it. You think you may be saving money until you have some injury (kids wandering in the parking ...
by harrychan
Sun May 10, 2020 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Layoff Imminent, seeking guidance.
Replies: 56
Views: 7309

Re: Layoff Imminent, seeking guidance.

Sorry you are going through this. I recommend to try to relax but be prepared. You don't know for sure what your fate will be. So my questions are this: 1. Although my grave is likely dug, does anyone have experience with making a case to keep their job, even at lower pay/title, under these circumst...
by harrychan
Sun May 10, 2020 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: $5k - $7k to replace engine, or get something else? (loan on car)
Replies: 105
Views: 6310

Re: $5k - $7k to replace engine, or get something else? (loan on car)

dang, acura that needs a new engine, i dont think i will live to the day i will see something like that, looks like i will cross acuras from my buying list, that will leave only toyota on there I dunno why people like honda / acura so much. I know 3 people who had problems with various honda / acur...
by harrychan
Fri May 08, 2020 10:03 am
Forum: Personal Consumer Issues
Topic: IE, Chrome or Firefox, that is the question.
Replies: 53
Views: 2962

Re: IE, Chrome or Firefox, that is the question.

Use whatever browser you wish but when you search, use duckduckgo.
by harrychan
Fri May 08, 2020 9:31 am
Forum: Personal Consumer Issues
Topic: iPad.. worth it?
Replies: 49
Views: 3068

Re: iPad.. worth it?

32 gig is useless. You’ll run out of space as soon as you realize what you want/need to add to the IPad. 64 gig is the minimum but eventually may not be enough. This and what upsets me about Apple the most. It is 2020 and the smallest storage size is 32GB. Most other companies up'ed their min stora...
by harrychan
Wed May 06, 2020 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 226
Views: 31073

Re: Car Dealers not really wanting to make a deal

Replied to a few emails from dealers today. One in particular sent the wrong trim level from what I showed interest in. The reason? They're out of cars. Since the factories closed, they haven't been able to replenish their inventory. This explains, at least for Subaru, why deals weren't to be had ar...
by harrychan
Sun May 03, 2020 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Decide on keeping/selling the house
Replies: 23
Views: 2532

Re: Decide on keeping/selling the house

When we were searching for a house, we told ourselves that we would find a place that would meet our needs and be able to live 5+ years. As a result, we would be ok if the value of the home dropped 20 or even 30% of what we paid for as we were able to afford (barely) the payments. We held onto our s...
by harrychan
Thu Apr 23, 2020 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12692

Re: Moving out of NYC due to pandemic

uberdoc wrote:
Thu Apr 23, 2020 9:07 pm
Considering family ties SOCAL will be great but the state is so anti-physician, it wont be a wise move.
Not a physician but know quite a few. I've never heard anyone say California is anti-physician. Is it because it is litigious?
by harrychan
Thu Apr 23, 2020 9:29 am
Forum: Personal Consumer Issues
Topic: Costco Delivery
Replies: 41
Views: 5635

Re: Costco Delivery

Try in the morning when delivery slots are available. Otherwise, use other grocery delivery apps like instacart, Target or amazon prime now.
by harrychan
Sat Apr 18, 2020 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 226
Views: 31073

Re: Car Dealers not really wanting to make a deal

In a similar position. I was intending to buy a new Outback. More and more dealers are refusing to put the OTD in writing as they will know it will be matched and lowered by another dealer. Out of all of the dealers around my area (around 8), only 3 gave OTD over email. I can probably get a good dea...
by harrychan
Fri Apr 17, 2020 9:07 pm
Forum: Personal Consumer Issues
Topic: How to deal with loud neighbor bass noise in NYC
Replies: 34
Views: 1798

Re: How to deal with loud neighbor bass noise in NYC

I completely understand where you are coming from. I am also sensitive to noise and I had a similar situation where my neighbor would have guests over and I would be able to listen in on their conversation until well past 3am. I'm also non confrontational so that didn't help either. Best course woul...
by harrychan
Fri Apr 17, 2020 8:27 pm
Forum: Personal Consumer Issues
Topic: Apple Released a New Low-cost Iphone
Replies: 172
Views: 14296

Re: Apple Released a New Low-cost Iphone

But the $400 iPhone gets you the same internals as the $700-$1100 iPhones, with performance well above the latest and greatest Android phones. I think you need to take some time and look at the latest Android phone offers. A $400 iphone SE is no where near the performance of the "greatest" Android ...
by harrychan
Tue Apr 14, 2020 1:04 pm
Forum: Personal Consumer Issues
Topic: Florida HOA complaining of Weeds in Lawn
Replies: 101
Views: 8738

Re: Florida HOA complaining of Weeds in Lawn

atikovi wrote:
Tue Apr 14, 2020 9:08 am
OK thanks, just thought it petty they would bring it up at a time like this.
Not surprising as everyone is home with little or nothing to do. Maybe there are a lot of retirees as well that is well connected to the HOA board?
by harrychan
Sat Apr 11, 2020 2:13 pm
Forum: Personal Consumer Issues
Topic: What's worth paying more for?
Replies: 80
Views: 6570

Re: What's worth paying more for?

Definitely electronics and appliances. There are clear benefits to getting quality electronics that have better functionality and longevity in most cases.
by harrychan
Wed Apr 01, 2020 10:34 pm
Forum: Personal Investments
Topic: Anyone here depressed just looking at their portfolio?
Replies: 122
Views: 7343

Re: Anyone here depressed just looking at their portfolio?

runner3081 wrote:
Wed Apr 01, 2020 9:14 pm
Not at all. What can I do about it? Nothing.
This. I have years to go before retirement age. I have a stable job. Family is healthy. Roof over my head. Family game time at night. Why be depressed?
by harrychan
Mon Mar 23, 2020 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: [Work From Home] - What does your company pay for?
Replies: 83
Views: 4526

Re: [Work From Home] - What does your company pay for?

Company laptop and phone. I brought a docking station and back some 22" monitors after end of life to set up dual monitor.
by harrychan
Sun Mar 22, 2020 2:27 pm
Forum: Personal Consumer Issues
Topic: Need a new car, please help given COVID-19
Replies: 44
Views: 2958

Re: Need a new car, please help given COVID-19

Just an anecdote related to your search. I'm "sort of" looking for a car for my son who could use the help of auto braking. Looked at an 18 Subaru Impreza Premium with 37k miles with a no haggle price of $16.9k. Subaru calls their system Eyesight and it comes with adaptive cruise control and lane k...
by harrychan
Sun Mar 22, 2020 2:26 pm
Forum: Personal Consumer Issues
Topic: Need a new car, please help given COVID-19
Replies: 44
Views: 2958

Re: Need a new car, please help given COVID-19

vasaver wrote:
Sat Mar 21, 2020 12:27 pm
Used Nissan Leaf 2015+
Considering Nissan Leaf loses 50% of it's value after 1 year of use, I don't think that is a good choice.
by harrychan
Sat Mar 14, 2020 4:59 pm
Forum: Personal Investments
Topic: Will price of new car pricing increase or decrease?
Replies: 12
Views: 1476

Re: Will price of new car pricing increase or decrease?

We're also in the market for a new car planning for early next month when my bonus comes in. I think it will go down but not significantly. I've already been negotiating with the dealers' internet dept and the ranges for my car in mind is from $32k - $39k for the same trim before taxes and title! I ...
by harrychan
Sat Mar 14, 2020 2:15 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 224
Views: 13313

Re: Coronavirus Flight Cancel Thread

1. Who successfully cancelled their flight? DW 2. What airline? Cathay, Hong Kong Airline, China Airline 3. Full or partial refund? Full for Cathay and China Airline, Still pending for Hong Kong Air 4. Online or via phone? Mixed 5. What was the most successful approach to getting this done? Call and...
by harrychan
Mon Mar 09, 2020 8:59 pm
Forum: Personal Consumer Issues
Topic: Postponed travel due to Corona Virus. Am I am overreacting ?
Replies: 232
Views: 23923

Re: Postponed travel due to Corona Virus. Am I am overreacting ?

We cancelled our 2 week trip to SE Asia. We were supposed to return today. The requirement to self quarantine another 2 weeks upon return just wouldn't work for the kid's school. We were able to get refunds for all arrangements except one domestic flight that cost $300. Considering all things, it tu...
by harrychan
Mon Feb 24, 2020 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Work Less Hours to Be More Productive
Replies: 7
Views: 1138

Re: Work Less Hours to Be More Productive

I can share some personal experience. My previous job involved managing a team of 140 offshore staff that did tedious repetitive work. The previous manager wanted everything to go their way including approvals that they received via email. I set up a lot of process, system and automation that includ...
by harrychan
Sat Feb 22, 2020 12:07 pm
Forum: Personal Consumer Issues
Topic: Used car purchase - now dreading it
Replies: 117
Views: 8288

Re: Used car purchase - now dreading it

Time to go to small claims and claim the difference in the value you will lose in selling this car. They knowingly and systematically hid the smell from you and did not disclose it. You'll have a good chance of winning in front of a single judge when it is car dealer vs consumer. They may even settl...
by harrychan
Mon Feb 17, 2020 2:01 am
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 518
Views: 70172

Re: Your USER NAME...what does it mean?

Just combined two random names. It has zero relation with who I am in real life.
by harrychan
Mon Feb 10, 2020 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Wife's oncologist has stopped treatment, is recommending hospice
Replies: 93
Views: 14795

Re: Wife's oncologist has stopped treatment, is recommending hospice

JoeRetire wrote:
Sun Feb 09, 2020 8:38 am
They helped us keep our parents at home during the final months, as comfortable as possible.
This is what I was going to recommend. See if your insurance covers hospice/palliative care at home if that is suitable for your family.
by harrychan
Sat Jan 25, 2020 9:58 pm
Forum: Personal Consumer Issues
Topic: Global Entry [wait time for interview]
Replies: 70
Views: 4868

Re: Global Entry

Also Mobile Passport is a very good suggestion. At my primary airport it can be faster to use Mobile Passport than Global Entry depending upon what order you get off the plane (row number) and how busy the global entry kiosks are. My primary airport also has self service non-Global Entry kiosks whi...
by harrychan
Fri Jan 24, 2020 11:39 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 214
Views: 20312

Re: Tesla Model Y

The Tesla lidar would accelerate and apply brakes to decelerate to the point where I felt extremely nauseous. I'm not sure if this is something you can get used to. I had the ride set to 'chill' mode already. I was tempted to put an order for a model Y but now I need to do a test drive before conte...
by harrychan
Fri Jan 24, 2020 8:17 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 214
Views: 20312

Re: Tesla Model Y

I finally got to drive a model 3 last week for the first time. First impression, the drive is fine. Great acceleration, very smooth. The large display didn't faze or distract me by much as I'm quite a techie. Two issues that were pretty big IMO. The seat sits way too high for my comfort. I'm above a...
by harrychan
Sat Jan 11, 2020 1:25 pm
Forum: Personal Consumer Issues
Topic: Recommend Dual SIM smartphone please
Replies: 25
Views: 1920

Re: Recommend Dual SIM smartphone please

What is your intended use? With US phones, I believe that only one sim can be active at a time? The pixel 3a supports a regular sim and esim. I have a pixel 4 that I use with eSim for T-MOBILE and swap in nano sims as needed. Allows quicker switching between sims. Google Pixel 3a and it isn't even ...
by harrychan
Fri Jan 10, 2020 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Does this sound like a solid idea to pay for college?
Replies: 54
Views: 3969

Re: Does this sound like a solid idea to pay for college?

You have a bright child. There is no doubt about it so get that out of the way. Next, take private school off the table. There is no reason a private school would give her a leg above a state school which will cost a fraction. You can't afford it and it makes zero sense for your daughter to shoulder...
by harrychan
Fri Jan 10, 2020 12:06 am
Forum: Personal Consumer Issues
Topic: Recommend Dual SIM smartphone please
Replies: 25
Views: 1920

Re: Recommend Dual SIM smartphone please

Google Pixel 3a and it isn't even close. Thread is closed lol.
by harrychan
Wed Jan 08, 2020 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: How do you mentally process stupid ways of losing money?
Replies: 84
Views: 7472

Re: How do you mentally process stupid ways of losing money?

I had the same problem where mistakes that cost money would linger for days and weeks. I'm now better at not dwelling on the financial loss by doing two things. First, I think of all the times I've saved money due to my decisions or actions. When focusing on those, the losses will be pale in compari...
by harrychan
Tue Jan 07, 2020 12:41 am
Forum: Personal Consumer Issues
Topic: Traveling to Japan for first time
Replies: 44
Views: 2804

Re: Traveling to Japan for first time

WhiteMaxima wrote:
Mon Jan 06, 2020 2:15 pm
Go to Fish market and get the freshest sushi ever.
If you are into sushi, I recommend going to the Tsukiji outer market over the new Toyosu fish market. Toyosu is too commercialized with higher end restaurants whereas Tsukiji still has the nostalgic feel.
by harrychan
Sun Jan 05, 2020 11:54 pm
Forum: Personal Consumer Issues
Topic: Traveling to Japan for first time
Replies: 44
Views: 2804

Re: Traveling to Japan for first time

How many days are you spending there? I almost always buy a sim card when I arrive even though I have TMobile. For Disney Land, if you can only go to one, I highly recommend going to Tokyo Disney Sea. It really is one of a kind. If you have kids, make a reservation at the Pokemon cafe. You may be ab...
by harrychan
Tue Dec 31, 2019 11:36 pm
Forum: Personal Consumer Issues
Topic: Buying a 2019 Toyota Highlander year end
Replies: 7
Views: 1072

Re: Buying a 2019 Toyota Highlander year end

Wow what a steal. Thanks for the update. I'm looking to buy the Ascent but in Feb.
by harrychan
Tue Dec 31, 2019 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: To what do you owe your ability to forego spending now and save for your future?
Replies: 116
Views: 5112

Re: To what do you owe your ability to forego spending now and save for your future?

1) Upbringing - parents. My parents were the type that never took on debt to pay for luxuries. They always paid in cash and lived well below their means. There were some pros and cons but overall it instilled within me to do the same and learned how to acquire smart debt (mortgage for primary home, ...
by harrychan
Mon Dec 30, 2019 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: White Coat Investor: Enough is Enough!
Replies: 289
Views: 31277

Re: White Coat Investor: Enough is Enough!

Yes, the car may appear operational but at some point will become a hazard to the public as brakes, belts get worn down. Only about 13% of auto accidents are caused by mechanical failure, and proper maintenance will largely sidestep that issue. It's certainly true that a two year old vehicle is les...
by harrychan
Mon Dec 30, 2019 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: White Coat Investor: Enough is Enough!
Replies: 289
Views: 31277

Re: White Coat Investor: Enough is Enough!

To be blunt --- the issue this article addresses in honestly why I resent certain members and schools of thought on this thread. On the BH.org top page, a quick overlook shows the "Flaunt your high mileage car", Hear hear! I also cringe at that thread. A lot of people who drive those cars can proba...
by harrychan
Mon Dec 30, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Long Plane trip - 16 Hours to Shanghai
Replies: 67
Views: 6160

Re: Long Plane trip - 16 Hours to Shanghai

I regularly fly at least 1 and sometimes twice a year to Asia from the West coast which can range from 10-16 hours. My recommendations are: -Use liquid based earplugs if you don't have noise cancellation ones - https://www.amazon.com/Macks-Pillow-Soft-Silicone-Earplugs/dp/B003LZQGN6/ -Bring your own...
by harrychan
Sun Dec 29, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback CVT Transmission
Replies: 30
Views: 2067

Re: Subaru Outback CVT Transmission

I was considering a 2020 Subaru Outback purchase as it gets fairly good gas mileage for a non-hybrid, is roomy, and an all around practical vehicle. I recently learned it comes equipped with a CVT transmission and I hear stories about those transmissions going bad, some as early as 40,000 miles! Wo...
by harrychan
Sun Dec 29, 2019 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: White Coat Investor: Enough is Enough!
Replies: 289
Views: 31277

Re: White Coat Investor: Enough is Enough!

To be blunt --- the issue this article addresses in honestly why I resent certain members and schools of thought on this thread. On the BH.org top page, a quick overlook shows the "Flaunt your high mileage car", Hear hear! I also cringe at that thread. A lot of people who drive those cars can proba...
by harrychan
Fri Dec 27, 2019 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: What NON-frugal thing did you do today?
Replies: 79
Views: 5552

Re: What NON-frugal thing did you do today?

Bought our 2 boys each a giant chocolate chip cookie at $2.75 a piece.
Also bought for my boys Calvin Klein suit at retail which they'll probably use just twice for upcoming weddings.