Search found 1387 matches

by harrychan
Sat Jun 16, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice (take the promotion or not)
Replies: 26
Views: 3158

Re: Career advice (take the promotion or not)

I think you are approaching this too much like a math equation. Finding a career is not a matter of finding the perfect balance between COL and compensation. In any HCOL area, you can adapt and live below your means and get ahead if the company has a huge potential. In your situation, you need to as...
by harrychan
Fri Jun 15, 2018 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 10053

Re: Timeshare ever worth it? Please share details

Best promo offered to me was $400 cash if I attended the sales pitch.
by harrychan
Wed Jun 13, 2018 12:19 am
Forum: Personal Consumer Issues
Topic: How much to invest in elementary education?
Replies: 37
Views: 2417

Re: How much to invest in elementary education?

We were on the same boat when our oldest child went to preschool at a private institute as our district had limited transitional K seats (late birthday). We went to private for K and came back to public for 1st grade. After about 2 weeks, it was clear he would be bored out of his mind and not stimul...
by harrychan
Sun Jun 10, 2018 11:10 pm
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2565

Re: Foreign language immersion daycare

I am trilingual. I learned it through a natural environment where I spoke one language at school, another in the country I lived in and another language at home. I'm glad I did learn it because it enriched my perspective by being able to interact with the different cultures naturally. My kids only s...
by harrychan
Wed Jun 06, 2018 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: how to buy more time -- job offer
Replies: 9
Views: 1593

Re: how to buy more time -- job offer

Rush #2 saying you have offer #1 that expires today. If they can't, then as far as you know, you only have one offer.
by harrychan
Sat Jun 02, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: 6 hour layover on Heathrow
Replies: 42
Views: 3320

Re: 6 hour layover on Heathrow

Legitimately depends on if your inbound flight is early or not, and then how your customs line looks. Having flown into Heathrow 20+ times, i've been an hour early with no UK border delay (or expedited clearance thanks to business class), and I've also been a couple hours late and stuck in endless ...
by harrychan
Tue May 29, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Part time and leadership positions
Replies: 3
Views: 467

Re: Part time and leadership positions

Is this leadership position anything involving a Board of Directors? If so, there was this recent thread about the risks of sitting on the board of a hospital.https://www.bogleheads.org/forum/viewtopic.php?t=239924 Other than pointing you to that recent thread, which may not be relevant to you, I h...
by harrychan
Mon May 28, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Leave career (fortune 200) and join the peace corps?
Replies: 29
Views: 3349

Re: Leave career (fortune 200) and join the peace corps?

My heart says go for it but my conscious tells me you aren't financially prepared to have no income for 2 years. You are behind in retirement and did I miss how you will fund your living expenses during your time in the peace corp? Peace corps volunteers are given a stipend and housing/health insur...
by harrychan
Sat May 26, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 6034

Re: How have you upgraded your wardrobe?

Most of my shirts and some slacks are from banana republic. If you are patient, you can score deep discounts along with additional sales. Suits are tailor made from my last trips to Hong Kong. I recently bought a navy blue linen jacket at Macy's for $30.
by harrychan
Sat May 26, 2018 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Leave career (fortune 200) and join the peace corps?
Replies: 29
Views: 3349

Re: Leave career (fortune 200) and join the peace corps?

My heart says go for it but my conscious tells me you aren't financially prepared to have no income for 2 years. You are behind in retirement and did I miss how you will fund your living expenses during your time in the peace corp?
by harrychan
Thu May 24, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6135

Re: What’s your phone/internet bill?

Cell phone is $140 for tmobile, 4 lines with 6GB LTE then withdraws from our unused pot.
Home phone is free using google voice and obitalk.
Cable TV + internet is $120 for 30mbps. We will cut cable which will bring it down to around $70 after NBA playoffs.
by harrychan
Wed May 23, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Buy this home?
Replies: 39
Views: 4090

Re: Buy this home?

I think you are stretching. This reminds me when I got a 3 row SUV that sits 7 thinking I could shuttle my inlaws. In the 3 years I had the SUV, they sat with me a total of 4 times. Get a home that fits you. In another perspective, I would be wary of the housing costs as it heavily depends on AMZN. ...
by harrychan
Sun May 20, 2018 11:10 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12223

Re: done with Gmail

I was changing passwords with keepass - when there was a crash. Password took, but keepass doesn't have the password. Trying to get it unlocked has been like being a Kafka novel. Right now, they will be reviewing and decide in the next 5 days whether I will get my email back (it''s locked). Sounds ...
by harrychan
Thu May 17, 2018 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: 7 years into whole life - cancel or keep?
Replies: 14
Views: 1263

Re: 7 years into whole life - cancel or keep?

I would check on a widow/widower forum for experience with a term life company! 8-) Do you have it through your employer? That's generally the cheapest if it's an option. Thanks, will do! And no, only $50k life insurance w/ employer. Generally, employer isn't the cheapest option if you're healthy, ...
by harrychan
Thu May 17, 2018 10:34 pm
Forum: Personal Consumer Issues
Topic: New 2018 Nissan Leaf (with 150 mi range)
Replies: 52
Views: 5141

Re: New 2018 Nissan Leaf (with 150 mi range)

I looked deep into the Leaf's depreciation and it depreciates 50% by year 2 and 55% by year 3. Go figure...
by harrychan
Sat May 12, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 318
Views: 24251

Re: Lucrative careers?

No one can tell you what is a lucrative career if you do not have the skills to be successful at it. In my experience, being successful is to excel at a specific profession which makes you a valuable asset to an organization. The more you can stand out, the more you can command a higher wage. You ne...
by harrychan
Thu May 03, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Budget for kid's sport?
Replies: 49
Views: 2350

Re: Budget for kid's sport?

That's way too much. Both of my boys love sports and the older one is particularly athletic. They participate in a league where they rotate 4 sports across the year but with the same team. Each season (3 months) is $80 each. Older son seems to go through a pair of shoes per season. He reuses his foo...
by harrychan
Sun Apr 29, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: 3 days in London - must dos?
Replies: 31
Views: 1984

Re: 3 days in London - must dos?

For food, I recommend going to Camden Markets food stalls. https://www.camdenmarket.com/food-drink
by harrychan
Sun Apr 29, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: salary negotiation help please
Replies: 5
Views: 877

Re: salary negotiation help please

Be concise and direct about what your range is. Let the CEO know subtly that you have done some research in the col. Most importantly, exhibit you've done research on their company and share how your experience matches what they need.
by harrychan
Sat Apr 21, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 113
Views: 7861

Re: Do you buy new or used cars?

I'm in my upper 30's and between my wife and I, we bought 3 new cars. First car was probably the worst decision. Fresh out of college and my corolla was totalled. I took the money and used it as a downpayment for a new car. I didn't have much credit so I think I paid upwards of 15% interest. After a...
by harrychan
Sat Apr 21, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 66
Views: 5733

Re: Settlement Offer -- Accept or Wait?

Are repairs to your car being handled separately?
by harrychan
Fri Apr 20, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 4679

Re: Another discussion about private vs public schools?

Be patient. This decision doesn't have to come now. Understand your child and see how they adapt to pre-k. Once the little nugget becomes more social, you will natural meet parents in your neighborhood who will give you slightly biased feedback about their kid's education. We experimented with both ...
by harrychan
Tue Apr 17, 2018 12:18 am
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 6046

Re: Costco gas

Never. My time is much more valuable than the $5-10 I save by waiting upwards of 15-20 min waiting in line for Costco gas.
by harrychan
Mon Apr 16, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: High Mileage Car Lease
Replies: 14
Views: 893

Re: High Mileage Car Lease

If you really need to lease and burn miles, you can simply get the cheapest lease contract then sell your car prior to your return to the dealer. The mileage would be irrelevant except the cost you will get when you sell it. The depreciation should be less than the mileage overage penalty. But hones...
by harrychan
Fri Apr 13, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: Dispute Over a Fence
Replies: 12
Views: 1996

Re: Dispute Over a Fence

Split the cost of business B. If they refuse, start gradually encroaching into the property by placing inflatable pools, large rubber duckies, and have slip and slide parties and a scarecrow depicting an injury law attorney nearby.
by harrychan
Fri Apr 13, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 12895

Re: How Far is too Far, Commuting?

Prior to this job, I worked from home full time for roughly 10 years. At some point, it stagnated my career as I project myself very well in person. While it helped as I had both of my children during the time when my family needed the flexibility, I found a new job which boosted my career and salar...
by harrychan
Fri Apr 13, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Could you support family on 1 income?
Replies: 88
Views: 6293

Re: Could you support family on 1 income?

Made an attempt a few years ago and made many mistakes including not monitoring our budget and relying on credit card. DW then went back to work for a year and now making a 2nd attempt. This time, we are much more intentional with a clearly defined budget we have been sticking to. It also helps that...
by harrychan
Fri Apr 13, 2018 12:36 am
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 10694

Re: Mid-40s in tech - how to pass off as acceptably young

Change up your resume a little. Take off the year you graduated college. Jobs you had over 15 years ago. Are you in good shape/do you "look" 46 years old? I find most older people in good shape can pass for anywhere between 30 and 50. Don't give meaningful details about your family. Been reviewing ...
by harrychan
Mon Apr 09, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 13659

Re: Ivy school education. Is it worth it?

To OP, If your child is an avg student in HS, the likihood of them succeeding in an Ivy is extremely slim. Very rarely will one suddenly turn on a switch and start improving their study habits in upper education. It is much better for someone to enroll in the school that is their level where they ca...
by harrychan
Sat Apr 07, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Paying employees via Venmo
Replies: 18
Views: 1493

Re: Paying employees via Venmo

It violates venmo policy so I would say no. I tried to see if venmo can be used to process 503c donations and they said their policy is for one off micro payments and not intended for recurring payments.
by harrychan
Sat Apr 07, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Undecided students and STEM majors
Replies: 51
Views: 4351

Re: Undecided students and STEM majors

Leverage contacts and connections you have who are in engineering. Set up a meeting with your friends and relatives who are in the engineering field. heck, some of their own friends parents may be a good resource to interview and see what working as a particular engineer is like. That mwill help nar...
by harrychan
Sat Apr 07, 2018 12:43 am
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 5616

Re: [When is going out to a restaurant worth it to you?]

Main driver is time. With two kids involved with sports, on nights we have practice and weekend games we eat out or grab food to go. We do sneak in the occasional entertainment dine-outs for date night.
by harrychan
Tue Mar 27, 2018 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Los Angeles Condo Purchase Advice
Replies: 53
Views: 3847

Re: Los Angeles Condo Purchase Advice

I will make this blunt and quick. I make as much as you, am 35 years old, have roughly 500k in retirement savings and live in a 600k house with no mortgage and no other debt. I am contemplating using 200k in cash, to put 800k down on a 1.3m home (i.e., 500k mortgage) and I am debating if I should d...
by harrychan
Sun Mar 25, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5541

Re: Anxious about age, career, and housing costs

In your situation, I would not buy. But as others have said, make sure you save enough so you account for housing when you near retirement. I bought a home in a HCOL area during the recession. I have no plans to leave here and am confident I could land a job by ensuring my skills are relevant.
by harrychan
Sat Mar 24, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: CBP (INS) Global Entry program worth it?
Replies: 65
Views: 5238

Re: CBP (INS) Global Entry program worth it?

4) I see membership is for 5 years, but it really looks like it is for 5 years from my next birthday. In my case, that works out closer to 6 years for this round. Correct! That's what happened to me and I got mine just after my birthday so I almost get it for 6 years. Also, global entry comes with ...
by harrychan
Sat Mar 24, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: "I won the Lottery" update -
Replies: 33
Views: 8368

Re: "I won the Lottery" update -

As awkward as it sounds, I would MUCH prefer winning 2nd prize (of $1-2mil) than the 1st prize of tens and possibly hundred million. Winning 2nd wouldn't be as life changing but enough to give you that buffer where it accelerated your retirement by a few years. Winning several hundred would be too l...
by harrychan
Sat Mar 24, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: changing my signature when signing checks and credit card receipts
Replies: 47
Views: 3457

Re: changing my signature when signing checks and credit card receipts

True story. At one point I took similar advice and wrote on the back of my credit card to "See I.D." so they could verify my driver's license. I went to Japan once and tried to purchase something with my CC. The receptionist looked confused when trying to compare my signature and I took out my ID. A...
by harrychan
Fri Mar 23, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: What Budget? Do you keep one?
Replies: 116
Views: 7841

Re: What Budget? Do you keep one?

DW and I started doing a budget and it's helped us quite significantly for the past year. We were in the camp where we always made more than we spend so we didn't think much about having a budget. We have so much more control over our budget that we can make informed decisions about large purchases ...
by harrychan
Thu Mar 22, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 24145

Re: Anyone Deleting Facebook?

I'm not. I suffered a painful lesson when I deleted a similar account on a now defunct social media platform. An acquaintance noticed that I deleted my profile and created a dubious profile with my name and picture then befriended many people and started talking to them. His goal was to use my name ...
by harrychan
Wed Mar 21, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: We made the right decision to not purchase a home now, right?
Replies: 47
Views: 4154

Re: We made the right decision to not purchase a home now, right?

You made the right decision to hold off. First, I wouldn't even consider buying until you and your fiance got married. Second, make sure you get that 20% down. We were in very similar situation as you except in a HCOL area. We didn't get a pass on math and saved up 20% which equated to $120k at that...
by harrychan
Tue Mar 20, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Unique Housing Situation
Replies: 9
Views: 951

Re: Unique Housing Situation

I like your thought process. You essentially buy then rent back the childhood home back to your father. Sounds solid but I would make sure your in laws are ok with you two continuing to live rent free or else you end up paying mortgage and rent.
by harrychan
Mon Mar 19, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Rent in Retirement
Replies: 35
Views: 3484

Re: Rent in Retirement

rent much less costs and stress. Not the case if you have a paid for home. You can potentially make the argument that rent CAN cost less than property tax and upkeep but that is also subjective. I have close to zero stress at my current SFH residence. Renting on the other hand causes tremendous str...
by harrychan
Sun Mar 18, 2018 7:15 pm
Forum: Investing - Theory, News & General
Topic: How much money can a CPA save you?
Replies: 52
Views: 5988

Re: How much money can a CPA save you?

I see having a CPA as saving me time and time is money. I can't stand to read irs guidelines or understand the questions on any tax software. Each year I drop off a pile of paperwork from work income, wife and my side businesses, stock transactions and I'm done. Well worth the $250 each year as I'm ...
by harrychan
Sun Mar 18, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: London Hotels
Replies: 59
Views: 4148

Re: London Hotels

You won't find any much lower priced hotels just 5 minutes away from central London. Significant price differences will be some 30-40 min away which may be 10-12 stops. You can try some newer hotels or condos south of the Thames river but it's considered a bit shady part of town.
by harrychan
Sat Mar 17, 2018 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Does credit score matter if you never plan to borrow money again?
Replies: 44
Views: 4353

Re: Does credit score matter if you never plan to borrow money again?

I did have an absolete bill from a web host that went into collection and it came up during a credit check when I was in escrow for my home. The escrow reserved the $30 to pay it off but I don't recall if it was paid or not.
by harrychan
Sat Mar 17, 2018 12:43 am
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 5305

Re: Bicycle Commuting in LA - Thoughts?

Talk to some other people where you work about their experience and to get tips. Buying a bike at a shop is a good idea, but consider buying a used bike with a warranty provided by the shop. A new bike becomes a used bike very quickly, anyway. unwarranted hostility towards cyclists I'm sure that yo...
by harrychan
Sat Mar 17, 2018 12:35 am
Forum: Personal Finance (Not Investing)
Topic: Need advice re: Liberal Arts Colleges...
Replies: 235
Views: 13274

Re: Need advice re: Liberal Arts Colleges...

OP,

Do this. Create a LinkedIn account if you don't have one. Then search your target liberal arts schools your child may attend. Review what type of jobs people are doing based on the school and degree. It will give you the best data on what you are looking for.
by harrychan
Mon Mar 12, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 5305

Re: Bicycle Commuting in LA - Thoughts?

I drive in Los Angeles every day, and I don't think it's a good idea. Drivers are supposed to leave a certain distance between their vehicle and the bicycle (three feet?), but hardly anybody does that. I notice that bicycle lanes seem to disappear for no reason as well. It's really going to depend ...
by harrychan
Sat Mar 10, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Where to get money for down payment?
Replies: 13
Views: 1184

Re: Where to get money for down payment?

Wait till you save enough money to have the 20% down.