Search found 1327 matches

by harrychan
Sun Jan 14, 2018 8:42 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 59
Views: 9673

Re: Dave Ramsey's Millionaire Study

I completed the survey a while back and look forward to the results.
by harrychan
Thu Jan 11, 2018 12:39 am
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 66
Views: 3916

Re: Men's no iron dress shirt recommendations

Banana republic for me. Each dress shirt list price is about $80 each. But they run so many promotions that you can get them for around $35 (fair price). When I am at store I would look at the clearance section and sometimes you can get one for $15+. Once you know your size and fit (Camden or Grant...
by harrychan
Tue Jan 09, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: OnePlus 5t Smartphone?
Replies: 21
Views: 1152

Re: OnePlus 5t Smartphone?

Techie here. It's a legit Android phone company who cuts the middleman by selling direct to consumer. I had the OnePlus one and now using the OnePlus 5. It's the best bang for the buck you can get on the market in my opinion. If you can wait, the OnePlus 6 is rumored to be coming out in March.
by harrychan
Sat Jan 06, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Shall I buy a one B/B apt in Bay Area? Help needed, please.
Replies: 18
Views: 1540

Re: Shall I buy a one B/B apt in Bay Area? Help needed, please.

Times are different. I would not purchase a property while on h-1b. There are just too many unknowns.
by harrychan
Wed Jan 03, 2018 10:12 pm
Forum: Personal Consumer Issues
Topic: 2016 Nissan Pathfinder S with 3rd row seat
Replies: 11
Views: 813

Re: 2016 Nissan Pathfinder S with 3rd row seat

We had the 2014 pathfinder and would not recommend it. We didn't have any major issues but the drive wasn't very smooth. I would recommend looking at Acura MDX or Toyota Highlander for the same specs.
by harrychan
Wed Jan 03, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Do you have a antivirus for you Android phone?
Replies: 20
Views: 1369

Re: Do you have a antivirus for you Android phone?

No because I can easily sideload recovery (TWRP) and restore from backup using Nandroid.
by harrychan
Tue Jan 02, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Request your suggestion - current job Vs. New job
Replies: 35
Views: 2241

Re: Request your suggestion - current job Vs. New job

Apologies. That's the part where its not similar.
by harrychan
Tue Jan 02, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Request your suggestion - current job Vs. New job
Replies: 35
Views: 2241

Re: Request your suggestion - current job Vs. New job

I can relate as I was in a similar situation as you exactly a year ago except mine was a bit more clear. The job I was leaving was a full time telecommute position. The new job offer I got required me to commute to an office 45 min away but with a 45% pay bump. Had it been only under 20% bump, I may...
by harrychan
Mon Jan 01, 2018 11:28 pm
Forum: Personal Consumer Issues
Topic: Long Term House—Any Regrets on things you didn’t do?
Replies: 48
Views: 5778

Re: Long Term House—Any Regrets on things you didn’t do?

Nice thread. 7 years in this SFH originally built in 1945. Win: Recessed lights. Spent about $120/light and it was the best money we soent. I cannot imagine how the previous owners got by with just lamps. Miss: Upgrade the electricals. Now that we are moved in, we would have e to move out and reloca...
by harrychan
Fri Dec 29, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 10645

Re: Another should i buy my dream porsche thread...

Looking to spend about 100k on a new 911. Can i afford it? Would you do it? Not lookin no to buy outright but finance the car. I am 39 years old. Income about 250k per year. (Just for a big raise last year) 140k liquid savings 250k in retirement 400k equity in the home (currently worth around 900k)...
by harrychan
Wed Dec 27, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Would you sign a non-compete for a side-gig consulting agreement?
Replies: 44
Views: 2125

Re: Would you sign a non-compete for a side-gig consulting agreement?

Ask them for a list of “sensitive competitors” that the non compete would apply to. At least two of my former employers had a list of “sensitive competitors” distributed to management. If you gave notice to go to one of those, they would walk you out the door immediately (they still had to pay you ...
by harrychan
Wed Dec 27, 2017 12:33 am
Forum: Personal Consumer Issues
Topic: Galaxy S7 from ebay?
Replies: 11
Views: 1049

Re: Galaxy S7 from ebay?

I wouldn't. If you read the fine print, phones on ebay are gray market phones which do not have warranty in the US. If it fails then you will have no recourse. If you insist on buying, you can consider buying 3rd party warranty such as squaretrade.
by harrychan
Tue Dec 26, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should we downsize?
Replies: 42
Views: 3063

Re: Should we downsize?

I wouldn't downsize. The end game doesn't have to be to pay off your mortgage. In most places, desirable homes in great locations will add more equity always be desirable. Case in point, when we bought our home in a HCOL area we had the option of buying a cheaper townhouse for $450-500k or stretch a...
by harrychan
Mon Dec 25, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: manual car for new teen driver
Replies: 143
Views: 6382

Re: manual car for new teen driver

Maybe a Subaru Forester or legacy. You should be able to find 2010 models that are MT under $10k.
by harrychan
Sun Dec 17, 2017 1:25 am
Forum: Personal Consumer Issues
Topic: Buying a new sofa with two young kids?
Replies: 36
Views: 2359

Re: Buying a new sofa with two young kids?

Get leather. Our leather couch has stood the test of time with spills, ink, you name it.
by harrychan
Sat Dec 16, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Best place to get a Suit
Replies: 21
Views: 1686

Re: Best place to get a Suit

davidkw wrote:
Sat Dec 16, 2017 2:17 am
I always get my suits from Macy's and i get my dress pants from there too.
For cheap suits, I get them from Macy's. They usually have steep discounts where you can get suit and pants for $150. I also have 3 suits that were tailored.
by harrychan
Sun Dec 10, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to live on one income?
Replies: 70
Views: 5758

Re: Can we afford to live on one income?

A bit house poor. As you say, it is manageable but with very little wiggle room. Is your taxable considered your emergency fund? What is your income projection in the next 3 years? I left a cush 6 figure work from home job and got 45% raise by switching jobs so my wife could stay at home for 3 years...
by harrychan
Sun Nov 26, 2017 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 11128

Re: Didn't buy Bitcoin at $4600

I started hearing about BTC back in 2011 when I cam across an article. As a techie, I researched ways to mine it. After a few weeks, I gave up and thought about just buying it. Back then it was roughly $1.30. I never followed through as there weren't many open markets to buy.
by harrychan
Fri Nov 24, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: Any tips on gifts for employees?
Replies: 14
Views: 1225

Re: Any tips on gifts for employees?

Thanks for the tips. I will accompany each gift with a hand written card. We also combine thanksgiving and christmas and call it 'holiday' party. I think I will do nice slim ties for the guys and luxury hand soap for the ladies. Gift cards just seem so impersonal.
by harrychan
Thu Nov 23, 2017 6:43 pm
Forum: Personal Consumer Issues
Topic: Any tips on gifts for employees?
Replies: 14
Views: 1225

Any tips on gifts for employees?

I manage a team of 14 people with equal mix of men and women. Budget is under $25/person. Any good ideas aside from the typical ones like gift card or wine? I would like to give something thoughtful. What are gifts you received from your boss that you appreciated? If it matters, this is coming from ...
by harrychan
Thu Nov 23, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Public or Montessori Private School
Replies: 60
Views: 4333

Re: Public or Montessori Private School

We were faced with a similar dilemma a few years ago. Our older son was well ahead of his peers. For K, we went ahead and put him into a private school and he did very well. For 1st grade, we decided to give our public school a try. After all, it is a blue ribbon school that was recognized in the st...
by harrychan
Sun Nov 19, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14362

Re: Dave Ramsey says don't use credit cards, even if you pay them off

if you have the discipline to regulate your spending then I think you are fine with using credit cards. With that said, I tend to agree with DR as many Americans, who are in debt, use credit card as overflow or buy things they can't afford. If you look around, credit card companies make it easy for ...
by harrychan
Sun Nov 19, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 5989

Re: How much do you budget for vacation?

Family of 4 with two young kids. 2017, we will spend roughly $15k in vacation. One international which cost us about $12k and a bunch of mini ones to places like San Diego or Orange County.
by harrychan
Sat Nov 18, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?
Replies: 27
Views: 4250

Re: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?

I would try another Costco. I also recently got glasses at Costco and the prescription was too strong. I tried a few weeks to see if I would get used to it but I still got minor headaches. Busy-ness got the best of me and I didn't get a chance to go back to ask for a lower prescription till past the...
by harrychan
Sat Nov 18, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Volunteer to be laid off? [OP Update]
Replies: 38
Views: 3688

Re: Volunteer to be laid off?

Most companies would not offer top tier severance package for employees who volunteer and be better to hold off. Your company seems to be quite generous in terms of severance so I don't see any downside. I do however foresee they refusing to accept your offer until they understand the leadership str...
by harrychan
Sat Nov 11, 2017 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: $23k credit card emergency
Replies: 76
Views: 8676

Re: $23k credit card emergency

Another vote for Dave Ramsey. If you aren't too sure, go and try a few podcasts. You will find a lot of people calling in that will be similar to your situation. His pathway to getting out of debt is proven and extremely simple to follow. I've helped many people get out of debt by recommending his p...
by harrychan
Thu Nov 02, 2017 11:07 pm
Forum: Investing - Theory, News & General
Topic: Regret of selling winning stocks early
Replies: 64
Views: 8901

Re: Regret of selling winning stocks early

My previous company's ESPP stock went as high as $150 then dropped till $9 at the dotcom bust. I put 30% of my salary into the espp for 6 months then cashed out when it went up to $80. It helped with my downpayment for my house. When I left the company earlier this year, it dropped back down to $30 ...
by harrychan
Mon Oct 30, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 13311

Re: Request for Promotion letter to Senior Management

If the purpose of the letter is to document your request, then I think a much more effective approach would be to have a meeting first , and then follow up the meeting with a letter or email documenting your discussion. This way you go in much stronger with a meeting first (the letter seems like a ...
by harrychan
Sun Oct 29, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 13311

Re: Request for Promotion letter to Senior Management

I'm also an IT program manager for a major healthcare group so I can somewhat relate to you. I read your letter and as much as you have listed your accomplishments, you haven't defined what you did above and beyond. What were the quantifiable achievements strictly due to your involvement? You only s...
by harrychan
Tue Oct 24, 2017 11:22 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 141
Views: 10710

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. Have the same phone and love it This worried me though and it's why I'm willing to spend more to stick...
by harrychan
Sat Oct 21, 2017 10:43 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 141
Views: 10710

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: 71
Views: 6665

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: 1737

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: 6921

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: 1248

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: 4378

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: 5351

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: 4378

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: 1248

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: 96
Views: 8707

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: 12721

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: 12444

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: 5573

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: 26932

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: 26932

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: 8184

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: 4158

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: 10023

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: 1053

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: 17720

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 ...