Search found 1417 matches

by harrychan
Wed Dec 12, 2018 6:32 pm
Forum: Personal Consumer Issues
Topic: Lyft driver got into an accident, but denies it
Replies: 47
Views: 3115

Re: Lyft driver got into an accident, but denies it

Chances are, the lyft driver did not have sufficient coverage for share rides but just their own personal car insurance. If the insurance company finds out they were driving lyft, they would not be covered and will probably lose driving privileges for lyft. I also think lyft will side with you and w...
by harrychan
Sun Dec 02, 2018 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5146

Re: Do you get a year end bonus?

No year end bonus. Bonus is paid after annual reviews so around $20k which is 15% of salary. End of the year I’ll likely get a gift card between $500-1000.
by harrychan
Sun Dec 02, 2018 12:42 am
Forum: Personal Consumer Issues
Topic: Mattress Reco
Replies: 21
Views: 1699

Re: Mattress Reco

Almost all mattress have free return and guarantee. My DW and I are on our 4th mattress. We've tried hybrid, foam, spring and now on our 2nd foam mattress. We'll likely be buying another to try and returning this one.
by harrychan
Fri Nov 30, 2018 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Marriott Starwood Security breach - 500 million guests
Replies: 26
Views: 3428

Re: Marriott Starwood Security breach - 500 million guests

CEO came out and said possibly passport information also. There is ZERO reason for anyone to retain this information. They need to get separate authorization to process credit card transaction. The only real need to keep personal information is for their points reward system. Even so, they should on...
by harrychan
Wed Nov 28, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value
Replies: 91
Views: 4787

11/28 Today Only, buy a phone on Google FI and get travel gift card of same value

Today only. Great deal for those looking for a new Android phone and travel a lot. You can sign up for Google Fi and purchase a phone and get the equivalent value of gift card for Delta, hotels.com, Southwest, or Airbnb. Terms apply such as the number must be existing from Aug. 2018 and you must kee...
by harrychan
Thu Nov 22, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15034

Re: Black Friday 2018

I bought a pair of walking shoes at Nike.com for $43. Free ship and 25% off coupon.
by harrychan
Wed Nov 14, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: New phone suggestions? My LG V20 phone is kicking the bucket.
Replies: 22
Views: 1345

Re: New phone suggestions? My LG V20 phone is kicking the bucket.

I would go for the OnePlus 6T. I've been using OnePlus One and now the OnePlus 5. Zero issues with hardware or software. Updates are frequent and it is as pure of an Android experience you will have. I also had LG phone before my OnePlus One and it died on me 12 months and 6 days from warranty. I tr...
by harrychan
Wed Nov 07, 2018 1:02 am
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 15015

Re: How much money are you leaving your kids after you die?

Great read. My parents weren't good with saving. They didn't have any debt but also didn't plan for retirement. M kids will get whatever we don't spend. Our NW is north of $1.2m and we are in our late 30s so I expect it to be a respectable amount. I plan on supporting them through college and possib...
by harrychan
Thu Nov 01, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Extreme credit card debt
Replies: 37
Views: 4241

Re: Extreme credit card debt

Read "Total Money Makeover" by Dave Ramsey. Despite the heat he gets on this forum, he has an excellent process for exactly your situation. As for adopting, go the foster route and not through an adoption agency.
by harrychan
Thu Nov 01, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: IT Career Advancement-What path?
Replies: 37
Views: 2768

Re: IT Career Advancement-What path?

Best thing to do is take a more in dept look at people in your company and the nature of their work. See if anything excites you and set up coffee or lunch with them. I don't know anyone who would refuse to meet with someone in the company that they know for just insight into their jobs. I was a net...
by harrychan
Thu Nov 01, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut the cord?
Replies: 244
Views: 28190

Re: How many of you have cut the cord?

Negative. They got me locked in as I watch a lot of sports. All local teams are only available through cable package. That's not true anymore, necessarily. For those instances where it is true, usually cutting + adding MLB Package or NHL Package or NBA is still usually much cheaper. Nope. They are ...
by harrychan
Thu Oct 25, 2018 11:47 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut the cord?
Replies: 244
Views: 28190

Re: How many of you have cut the cord?

Negative. They got me locked in as I watch a lot of sports. All local teams are only available through cable package.
by harrychan
Sat Oct 13, 2018 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 102
Views: 10563

Re: Weigh in on our Marital Argument =)-- HCOL edition

I used the exact same reasoning to buy a brand new SUV with 3rd row seat. I used the justification that had to drive the in laws around and we needed a 7 seater. In the 3 years I owned the SUV, we used the 3rd row exactly 4 times.

Put them in a nearby Airbnb or hotel.
by harrychan
Mon Sep 24, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: What do you think of SmartDollar?
Replies: 2
Views: 375

Re: What do you think of SmartDollar?

We use SmartDollar and it achieves the purpose it serves. We use the free version so no connection to our accounts. One gripe I have about SD is that it has no means of displaying trends across categories or your monthly spend / income. I've never used YNAB so I can't compare the two.
by harrychan
Sat Sep 22, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)
Replies: 36
Views: 2631

Re: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)

BF or Cyber Monday isn't attractive to me. I do my due diligence when I need something by doing research and finding the best value prior to making my purchase. The amount I save will more than make up for the energy I need to consume by participating in BF / CM.
by harrychan
Sat Sep 22, 2018 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 157
Views: 13435

Re: Considering Quitting Job - Seeking Advice. Would you do it?

I'm sorry it came to this. I was late but read the entire thread. I am thoroughly amazed at this community and how similar minded Bogleheads are in their philosophy. I am blessed to have found this forum in my early 30's and get to read real life advice stemmed from your situation. As I read through...
by harrychan
Sat Sep 22, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Getting Started with Rental Property Investments
Replies: 8
Views: 921

Re: Getting Started with Rental Property Investments

I have a 4-plex around 2005 and it generated a great cashflow but it was in shambles and borderline in uninhabitable state. We did have section 8 tenants so they didn't complain much. All of the repairs would've cost a fortune. I had a friend who cashed out his 401k and bought two SFH in Vegas. One ...
by harrychan
Sat Sep 22, 2018 1:11 am
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 83
Views: 9326

Re: What to wear for job interview - skip the tie?

I would stay in character and go with khaki or plaids, jacket but no tie.
by harrychan
Thu Sep 20, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Traveling overseas .. credit cards? cash exchange?
Replies: 43
Views: 2859

Re: Traveling overseas .. credit cards? cash exchange?

If you have accounts with Fidelity or Schwab, get a debit card from them. No foreign transaction fee and they pay for fee charge by the ATM. This is what I do with my ATM. I use an international bank's ATM at my destination. As long as it has the 'plus' or 'cirrus' logo, I'm good to go. The foreign...
by harrychan
Wed Sep 19, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25759

Re: What is your single most expensive mistake?

Housing related. 1) Could've bought a home in the early 2000's in a posh neighborhood with zero down. The neighborhood has since 3-4x and would've nicely kick started residential and rental investments. I opted instead to buy a new car. 2) Was overseas in my hometown when there was a virus outbreak....
by harrychan
Wed Sep 19, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8787

Re: Can Sneakers go with Business Casual?

It depends on your corporate culture. I sometimes wear sneakers if - I am not seeing any clients or key stakeholders It's Friday There is some manual work to be done I'm in my own satellite office and not corporate I'm not hosting a meeting (in person or webcam) FYI, I am in IT so we have a relaxed...
by harrychan
Sat Sep 08, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8787

Re: Can Sneakers go with Business Casual?

It depends on your corporate culture. I sometimes wear sneakers if - I am not seeing any clients or key stakeholders It's Friday There is some manual work to be done I'm in my own satellite office and not corporate I'm not hosting a meeting (in person or webcam) FYI, I am in IT so we have a relaxed...
by harrychan
Sat Sep 08, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8787

Re: Can Sneakers go with Business Casual?

It depends on your corporate culture. I sometimes wear sneakers if - I am not seeing any clients or key stakeholders It's Friday There is some manual work to be done I'm in my own satellite office and not corporate I'm not hosting a meeting (in person or webcam) FYI, I am in IT so we have a relaxed ...
by harrychan
Tue Aug 14, 2018 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Almost 30 - Check In
Replies: 33
Views: 4010

Re: Almost 30 - Check In

Well, you have about $45k liquid to play with. If you spend $15k on the ring, that leaves you $30k for the wedding and downpayment for your home. The problem with a $15k ring is that the expectation is that much higher for the wedding. Your spending is on the high side (back to my comment on enterta...
by harrychan
Tue Aug 14, 2018 11:37 pm
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 151
Views: 15236

Re: As an American, where are some great places in the world to retire?

I'm interested in hearing what enables so many of you to simply move to another country and live there permanently? Do you plan to pay your way to permanent residency or citizenship of a foreign country?
by harrychan
Mon Aug 13, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Almost 30 - Check In
Replies: 33
Views: 4010

Re: Almost 30 - Check In

Your grocery and entertainment budget it high for a single guy. We're a family of 4 and our grocery and eating out is $800. Not sure how much of your entertainment is eating out vs. other items. Can you break out whats in your entertainment budget?
by harrychan
Sat Jul 28, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: Regret Public School?
Replies: 75
Views: 6152

Re: Regret Public School?

This debate always somewhat irritates me. Every private school is different. Every public school is different. Every child is different. Every family's ability to pay for private school and/or a highly rated public school neighborhood is different. It is absolutely impossible to compare public and ...
by harrychan
Fri Jul 27, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: DisneyWorld-Needing specific advice
Replies: 33
Views: 2053

Re: DisneyWorld-Needing specific advice

Stay at a disney property. It will give you access to the shuttle system which can take you to the gate of the park. This will let you avoid having to rent a car and park which can take up to 30 mins. Staying at a disney property will also enable you to have two fast passes per stay which will be go...
by harrychan
Sat Jun 23, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: Washer Dryer Deals
Replies: 7
Views: 646

Re: Washer Dryer Deals

I've always found success in looking around floor model sales from places like Sears.
by harrychan
Sat Jun 16, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice (take the promotion or not)
Replies: 29
Views: 4073

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: 11782

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: 2808

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: 3012

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: 1710

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: 54
Views: 5604

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: 561

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: 3696

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: 6921

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: 3696

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: 6993

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: 4405

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: 13348

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: 1407

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: 5887

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: 467
Views: 45433

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: 2752

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: 2327

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: 957

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.