Search found 1403 matches

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: 2382

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: 151
Views: 10676

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: 823

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: 8615

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: 41
Views: 2288

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: 205
Views: 13603

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: 8098

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: 8098

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: 8098

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: 3841

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: 14704

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: 3841

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: 5783

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: 1985

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: 618

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: 4012

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: 11378

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: 2733

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: 2883

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: 1666

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: 5244

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: 529

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: 3615

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: 6658

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: 3615

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: 6701

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: 4313

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: 13057

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: 1346

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: 5651

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: 423
Views: 39978

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: 2631

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: 2175

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: 924

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: 8681

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: 6220

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: 5020

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: 6575

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: 1009

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: 2064

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: 14216

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: 6694

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: 11664

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: 14978

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: 2112

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: 4732

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: 6132

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: 4225

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...