Search found 332 matches

by Momus
Wed Sep 19, 2018 2:32 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 57
Views: 3239

Re: What is your single most expensive mistake?

High five figure loss on random trading leverage etf and random stocks.

Turn to be a Boglehead soon after and never have a loss since then.

Not buying $100k worth of Netflix in 2011 (higher monthly subscription fee fiasco) because I was/am now a Boglehead (could have freaking retired by now).
by Momus
Tue Sep 18, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 31
Views: 1872

Re: $180 IPhone SE or $90 Iphone 5S

None. I'd pick up a used LG G5 for $100 at ebay. It's a much more capable device than SE or 5S (can't even believe someone wants this version of iphone) https://www.google.com/amp/s/m.gadgetsnow.com/page/amp_compareshow/compare-mobile-phones/Apple-iPhone-SE-vs-LG-G5 Better ram, better resolution, bi...
by Momus
Thu Sep 13, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 145
Views: 7751

Re: iPhone XS Max

"Bokeh" sounds kind of silly, but it's just a name for the background blur effect you see in many professional portraits. The new phone supposedly does a better job of it when you shoot in portrait mode. I've used portrait mode on the X, and it really is impressive how good it can make photos from ...
by Momus
Thu Sep 13, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 145
Views: 7751

Re: iPhone XS Max

"Bokeh" sounds kind of silly, but it's just a name for the background blur effect you see in many professional portraits. The new phone supposedly does a better job of it when you shoot in portrait mode. I've used portrait mode on the X, and it really is impressive how good it can make photos from ...
by Momus
Thu Sep 13, 2018 1:19 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 145
Views: 7751

Re: iPhone XS Max

https://www.youtube.com/watch?v=5PxuM4m11uw Sum up iPhone pretty much... I couldn't believe the release today lmao... -_-; Notch Notch Notch every where, and damn bezel on the sides. $75 if you want a fast charger hahaha! Fast charger is free for any other Android phones they offer since 2013 for a ...
by Momus
Thu Sep 13, 2018 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area housing frenzy cooling
Replies: 120
Views: 17619

Re: Bay Area housing frenzy cooling

People don't upgrade as often anymore. It would probably be a downgrade to them moving to the same house paying higher interest rate, that's why it's 'soft' market. They are in no hurry to move if the payment is going to be higher to get the same or crappier house. Keep raising that rates fed, it wi...
by Momus
Wed Sep 12, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 145
Views: 7751

Re: iPhone XS Max

Aside from new processor, slightly better camera, and bigger screen, nothing new. Noted. Note 9 still beats iPhone X max hands down. Apple as usual continue to play catch up and charge exorbitant amount for a crappy device to the mass. Don't worry the next software update brings your iPhone to plan...
by Momus
Wed Sep 12, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 145
Views: 7751

Re: iPhone XS Max

Aside from new processor, slightly better camera, and bigger screen, nothing new. Noted. Note 9 still beats iPhone X max hands down. Apple as usual continue to play catch up and charge exorbitant amount for a crappy device to the mass. Don't worry the next software update brings your iPhone to plan ...
by Momus
Tue Sep 11, 2018 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner insurance coverage
Replies: 21
Views: 1138

Re: Homeowner insurance coverage

100k liability is way too low... A simple dog bite to the face can run you in $150k up to 2M... Not kidding... Most lawyers will sue and multiple medical costs incurred by 6-7x. A simple face reconstruction surgery (couple stitches) costs 30k, sue for 200k+... That's the common practice. If it's a b...
by Momus
Sun Sep 09, 2018 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Pre nups.
Replies: 70
Views: 8980

Re: Pre nups.

Does the house value + rental income + appreciation, and stocks' + 401k's cap gain and dividend, triple in value, they are all protected in a pre nup? Does the income generated with dividend and rental property protected with a pre nup? Or, it becomes joint money? It depends on the terms of the pre...
by Momus
Sun Sep 09, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 306
Views: 39939

Re: Low-earners- What is your profession?

Here I'm a low earner making 140k. I see a bunch of specialists MDs and techs ppl regularly posting making 350-500k/yr. Some times dual income too, a lot of them making close to $1M. Then, they ask, "can we afford $1.3M house?" :oops: But in reddit FI subs, I'm high saver. Total opposite. This foru...
by Momus
Sat Sep 08, 2018 2:01 am
Forum: Personal Consumer Issues
Topic: What will you do when you find you have more money than expected?
Replies: 91
Views: 9624

Re: What will you do when you find you have more money than expected?

Order take out every damn day... 2x/day. Heck, use Uber eat to deliver it straight to me.

Yes, I have a small goal since I can't even do that.
by Momus
Thu Sep 06, 2018 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 306
Views: 39939

Re: Low-earners- What is your profession?

Here I'm a low earner making 140k. I see a bunch of specialists MDs and techs ppl regularly posting making 350-500k/yr. Some times dual income too, a lot of them making close to $1M. Then, they ask, "can we afford $1.3M house?" :oops: But in reddit FI subs, I'm high saver. Total opposite. This forum...
by Momus
Sun Sep 02, 2018 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Best place for cash to buy house
Replies: 4
Views: 644

Re: Best place for large cash position (1m) to buy house

There are a bunch of banks offering 2.5-3% on 1-2 yr CD. Just Google it. 250k limit/person. Or drop it all in Vanguard prime money market account for 2.08% yield. If you choose to do stocks there is a chance of 20-30% drawdown at any moment, or up 5-10%/yr avg, so it's all up to you if you want to t...
by Momus
Sun Sep 02, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Under insured motorist insurance
Replies: 19
Views: 988

Re: Under insured motorist insurance

I never buy this insurance because I have a medical insurance. I will just pay deductible $500/yr. My maximum out of pocket cost of my medical insurance in a year is $2000. No need for this coverage for me. Self insured thru employer sponsored health plan. I'd suggest you read your own health insura...
by Momus
Sun Sep 02, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Pre nups.
Replies: 70
Views: 8980

Re: Pre nups.

Does the house value + rental income + appreciation, and stocks' + 401k's cap gain and dividend, triple in value, they are all protected in a pre nup? Does the income generated with dividend and rental property protected with a pre nup? Or, it becomes joint money? I'm not so sure... Someone enlighte...
by Momus
Sat Sep 01, 2018 3:18 am
Forum: Personal Consumer Issues
Topic: LAPTOP: Huawei Matebook Pro vs. Dell XPS
Replies: 13
Views: 1459

Re: LAPTOP: Huawei Matebook Pro vs. Dell XPS

Please do not get a chrome book [(removed) --admin LadyGeek] . OS running on chrome, you are limited on what kind of programs you can install. Chromebook only good for browsing and media consumption, not good for productivity. You are limited to a bunch of program that needs to be connected to inter...
by Momus
Fri Aug 31, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 97
Views: 9240

Re: New Brake Pads

Op I would call 3 or 4 other independent mechanic. I skip dealer because they always rip you off. Mention you want a good price and these 2 jobs are what you want done. 95% of the time, I got a better price by as much as 15-30% by just calling a couple shops around the area.
by Momus
Wed Aug 29, 2018 1:10 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 199
Views: 28062

Re: What to do after losing $117k in stock market?

limeyx wrote:
Wed Aug 29, 2018 12:43 am
aristotelian wrote:
Tue Aug 28, 2018 7:53 am
limeyx wrote:
Mon Aug 27, 2018 11:55 pm

But ... what if it goes down ? ... oh wait!
Then you need to buy a 2X or 3X leveraged index so that you can "get back to even".
And then a 4X or 8X ? Cool :)
lol, let's encourage him to do what market timer did. I am living vicariously through you OP XD
by Momus
Sat Aug 25, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Credit Card Fraud - $30K
Replies: 56
Views: 5955

Re: Credit Card Fraud - $30K

:? If you don't know your account is used fraudulently, you are a dummy. I check my mint account once daily.

60 days without checking, seriously 2 months? loool that person deserves to be robbed.
by Momus
Mon Aug 20, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: My son was scammed on Craigslist- how to get money back
Replies: 46
Views: 7564

Re: My son was scammed on Craigslist- how to get money back

Kiss the money goodbye. Next time, never ever wire/western union any money before you tour the property and see it in person. My house was targeted like this, some random asked if the house up for rent for $1500, she thought she found a good deal... I told her, nope... and found out she saw a scamme...
by Momus
Sat Aug 18, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Credit Card Fraud - $30K
Replies: 56
Views: 5955

Re: Credit Card Fraud - $30K

I use mint. For credit monitoring and transactions monitoring, I'll see any discrepancy within 1d. If the account won't sync, I know what's up.

I don't care about cc fraud, not my problem. The bank will reimburse you 100%.
by Momus
Sat Aug 18, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Online Banking - School Me
Replies: 21
Views: 2203

Re: Online Banking - School Me

Vanguard prime 2.06% for the majority of the cash.
Ally 1.85% for turn over cash.
by Momus
Sat Aug 18, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: Total Wireless v. Cricket Wireless
Replies: 13
Views: 1002

Re: Total Wireless v. Cricket Wireless

Cricket or mint. No better deal around.
by Momus
Tue Aug 07, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: Moving soon; whom to hire to help me move?
Replies: 27
Views: 2418

Re: Moving soon; whom to hire to help me move?

I move myself at least 10x now with uhaul and drove the truck myself + a car dolly. Took a while but I save $500-2k everytime.
by Momus
Sat Aug 04, 2018 12:28 am
Forum: Personal Consumer Issues
Topic: LAPTOP: Huawei Matebook Pro vs. Dell XPS
Replies: 13
Views: 1459

Re: LAPTOP: Huawei Matebook Pro vs. Dell XPS

Any laptop with SSD, i5, 8GB will do what you want... basic computer. Anything you open with SSD will be blazing fast. Don't buy any laptop with HDD (it sucks, you need to throw this laptop into your burning fireplace). Go with regular laptop vs. Chromebook because Windows OS has more utility, and m...
by Momus
Fri Aug 03, 2018 11:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 503
Views: 53330

Re: Poll: At what age did you hit $500k Net Worth

Single income making 140k/yr in CA. Reached it at 27 yr old (3 yrs past graduation). Double that at 30. Double again at 34. I am 34 now. All thanks for stock market bubble ran up and housing bubble... I don't think I will get anywhere as fast in the next 10 yr, I stop taking any OTs (used to work a ...
by Momus
Fri Aug 03, 2018 11:23 pm
Forum: Personal Consumer Issues
Topic: Tire experts? Can I trust a patched tire?
Replies: 47
Views: 4236

Re: Tire experts? Can I trust a patched tire?

Every time I buy a new 4 tires, I had to patch at least one of them (Free @discount tire or independent shop for $10).

All my tires had been patched once in the past without any problem.
by Momus
Fri Aug 03, 2018 11:12 pm
Forum: Personal Consumer Issues
Topic: best place to hide a key
Replies: 63
Views: 4868

Re: best place to hide a key

Halicar wrote:
Fri Aug 03, 2018 8:34 am
Do you really need to lock it? I seldom lock my car. There's nothing valuable in it and the likelihood of someone driving off in it is vanishingly small.
Last time, I left my car unlocked, I lost $250 worth of college books, gps in the glove box, and a car stereo.
by Momus
Fri Aug 03, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Making a mistake considering a new job?
Replies: 31
Views: 2191

Re: Making a mistake considering a new job?

Director of public tech company makes like $1M+, and with your 5 min commute.... Hell no, I'm giving that up for some random start up tech company that might IPO or might fold. Stick it for another couple years...
by Momus
Fri Aug 03, 2018 1:59 am
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4841

Re: Which diet soda pop do you enjoy?

Diet coke all the way... Regular coke is too viscous because of the sugar. Diet makes everything so smooth. I prefer it over the regular soda. Also, higher caffeine content in diet, I use it as energy boost in the morning, it's my coffee to go to work.
by Momus
Thu Aug 02, 2018 3:55 am
Forum: Personal Consumer Issues
Topic: Dental implant in Tijuana
Replies: 37
Views: 3905

Re: Dental implant in Tijuana

Yes, medical tourism is in. There are alot of people coming from SF, SD, LA for plastic surgery, Lasix, and dental treatment in TJ. Check online reviews, fb, Google, and Yelp and call them. Most medical offices caters to US patients, they even pick you up after you pass the gate sometimes.
by Momus
Thu Aug 02, 2018 3:25 am
Forum: Personal Consumer Issues
Topic: New job commute
Replies: 64
Views: 3727

Re: New job commute

Move. That will be my #1 choice. Commute suck. Commute time = happiness level. Longer = less happy. Short = happy. Audio book, coffee/caffeine pills. Get a different job closer to home, money isn't everything, especially if your income is already high. Who cares about 30k Rent a the smallest room yo...
by Momus
Thu Aug 02, 2018 3:03 am
Forum: Investing - Help with Personal Investments
Topic: Financial upside / downside of marriage vs cohabiting
Replies: 74
Views: 6000

Re: Financial upside / downside of marriage vs cohabiting

I read up on MA divorce law, I didn't like what I see. I would be consulting with a lawyer and make a pre-nup if I were you.
by Momus
Thu Aug 02, 2018 2:25 am
Forum: Personal Consumer Issues
Topic: Time to sell my 2003 Accord?
Replies: 33
Views: 2178

Re: Time to sell my 2003 Accord?

Starter
https://www.youtube.com/watch?v=yC409CU7mU8
I wouldn't do a starter coz it's complicated...

Rotor and brake pads, this is easy...
https://www.youtube.com/watch?v=6RQ9UabOIPg
by Momus
Thu Aug 02, 2018 2:13 am
Forum: Personal Consumer Issues
Topic: Time to sell my 2003 Accord?
Replies: 33
Views: 2178

Re: Time to sell my 2003 Accord?

Hi fellow BH's. Here's the backstory. My 2003 Honda Accord has 134,000. The impending repairs are primarily a new starter, approx. $600, front brakes & serpentine belt along with a few other misc. repairs. Total cost about $1,000. Car has a resale value of $3,000. Car has been a reliable transporte...
by Momus
Thu Aug 02, 2018 1:52 am
Forum: Personal Consumer Issues
Topic: Worth it to get 300 Mbps internet?
Replies: 61
Views: 39148

Re: Worth it to get 300 Mbps internet?

Absolutely not worth it. 50 mbps is enough for 95-99% of population... Unless you do radiology at home or professional gamer, no one needs more than 50-100 mbps.

https://motherboard.vice.com/en_us/arti ... ted-states
by Momus
Sat Jul 28, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Should I retire early?
Replies: 18
Views: 3409

Re: Should I retire early?

If the cancer is terminal, I know I will die in the next 1-2 years, there is no way I am going to work for another day or another penny... my two cent.

If the cancer is treatable, and you don't have any plan to retire, then don't.
by Momus
Sat Jul 28, 2018 4:26 am
Forum: Personal Consumer Issues
Topic: Sub-500 laptop *brand* suggestions
Replies: 19
Views: 1968

Re: Sub-500 laptop *brand* suggestions

Gaming & great for video editing (a bit heavier, with GTX 1050ti). $220 discount, on sale now. https://slickdeals.net/f/11864615-acer-nitro-5-15-6-laptop-intel-core-i5-8gb-memory-nvidia-geforce-gtx-1050-ti-256gb-solid-state-drive-ssd-black-580 Great for the price. Who cares if it's 2lb heavier. $580...
by Momus
Fri Jul 20, 2018 12:27 am
Forum: Personal Consumer Issues
Topic: Fake IRS calls - anybody care?
Replies: 62
Views: 3652

Re: Fake IRS calls - anybody care?

No... don't care... I ain't stupid enough to fall for these scams. I can't believe a lot of people fall for this.
by Momus
Thu Jul 19, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 81
Views: 6708

Re: $540 a month on food for graduate student budget too much?

$150 if you cook food yourself. It's your money, waste it as you please.
by Momus
Wed Jul 18, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 92
Views: 7103

Re: Families - What's your total annual credit card spend?

About 6k/yr. I guess I am the poorest in the forum. Nope, you might just be a “cash on the barrel head” person. I know someone who only uses cash, doesn’t want to be bothered with using a card, collecting points, rewards. Nope, no nonsense pay it off at point of purchase using cash, direct debit or...
by Momus
Tue Jul 17, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 92
Views: 7103

Re: Families - What's your total annual credit card spend?

About 6k/yr. I guess I am the poorest in the forum.
by Momus
Sun Jul 15, 2018 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 7462

Re: Anyone not have a Budget?

Budgeting sucks. I never budget I just buy what I need (not want) with emphasis of value.

As long as income >>>> expenses. Who needs to budget? Keep expenses minimal. No budget.
by Momus
Sat Jul 14, 2018 2:42 am
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 62
Views: 8795

Re: Be Careful Using Mailboxes

Not that concerned... a simple phone call to the bank and some hassle will get you back all your money.

One of the many reasons I have 0 crypto ;-D
by Momus
Tue Jul 10, 2018 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Anxiety Spending Money
Replies: 52
Views: 5525

Re: Anxiety Spending Money

I would try to do whatever you can to get a better paying job. Finance is a great degree, try to get promoted or jump from company to company taking extra responsibilities. The feeling that you can't spend money is because you just don't make enough, so every little purchase becomes a mental tug of ...
by Momus
Tue Jul 10, 2018 1:34 am
Forum: Investing - Help with Personal Investments
Topic: Big expense in 3 mo. Money now. Where to hide money?
Replies: 13
Views: 1594

Re: Big expense in 3 mo. Money now. Where to hide money?

Chase a bank bonus... for example chase you can get $300 for depositing 25k for 3 months. It's likely going to net you more than the interest rate alone.

https://www.doctorofcredit.com/best-ban ... t-bonuses/
by Momus
Tue Jul 10, 2018 1:28 am
Forum: Personal Finance (Not Investing)
Topic: Car totaled by uninsured driver
Replies: 37
Views: 3557

Re: Car totaled by uninsured driver

I know the driver probably has no money, but ask him anyway if he can pay 2k for your deductible. It's worth a try. If he feels bad, some people do, and he has the money, he might just fork out 2k. Maybe, he would think about a small claim court, ending with a judgement against him, maybe he will fo...
by Momus
Tue Jul 10, 2018 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Should I take a $60k paycut to work 4days/week
Replies: 58
Views: 5643

Re: Should I take a $60k paycut to work 4days/week

Depends on how much you need... if you can save for retirement, meet all the life expenses, still have a bunch left over, why not? I took 100k paycut from 240k working 55-60h/week to 140k 40h/w job recently, and I love it. I don't miss the 100k because I don't need it. Ask yourself, do you NEED the ...
by Momus
Mon Jul 09, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: WiFi router
Replies: 46
Views: 4126

Re: WiFi router

802.11ac with MU-MIMO is the latest technology. https://www.linksys.com/us/r/resource-center/what-is-mu-mimo/. I was in your shoes recently and I found that Linksys sells certified refurbished units for a substantial discount. There are a lot of Linksys refurbished units for sale on their website, ...