Search found 237 matches

by Momus
Wed Dec 13, 2017 4:08 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 103
Views: 8744

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

Op I did lost some money trading in the past too. I started making way more money than what I had I lost previously when I start indexing. It's way easier to make money thru indexing. Buy and forget it... The sooner you have come to realization you can't gamble your way to win back the money you hav...
by Momus
Sun Dec 10, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Save all this money, what do you splurge on?
Replies: 155
Views: 10431

Re: Save all this money, what do you splurge on?

For us it is a couple of things 1) High-end spec gaming computers. I just purchased my husband a new one, and I'll get his old one. We keep them around 8 years each, but we spend at least a couple of hours a day during the week and a bit more on the weekend. 2) Cars - we both have late model cars. ...
by Momus
Sun Dec 10, 2017 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall of 1.5 millions
Replies: 10
Views: 2066

Re: Windfall of 1.5 millions

If you live in silicon Valley, $1.5M doesn't go far. Start looking at houses there, maybe you want to stay longer there without paying rent. If you decide to invest it with less risk, 50/50 is appropriate. 1% savings account just doesn't cut it nowadays. You can open up multiple of 250k 5 yrs CD at ...
by Momus
Thu Dec 07, 2017 11:33 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin now the largest quantifiable bubble in history?
Replies: 88
Views: 6592

Re: Bitcoin now the largest quantifiable bubble in history?

I don't believe everyone has it. US has low interest in bitcoin. Check Google trends and type in bitcoin. We are like number 10-15th country that search "bitcoin" in Google. This can go up 4x more once US mom and pop started buying. All the trades are basically FOMO trades. It's gonna be the greates...
by Momus
Wed Dec 06, 2017 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Want to sell my Bitcoin, but when?
Replies: 90
Views: 8240

Re: Want to sell my Bitcoin, but when?

Sell $7700 worth, get 10% profit. Keep the remaining bitcoin, maybe it will bust to $1000 again and maybe it will soar to infinity... Keep it as an experiment or not... sell it all...

Either way, you get your principal back and get to "play" with it.
by Momus
Mon Dec 04, 2017 12:27 am
Forum: Personal Consumer Issues
Topic: Auto Insurance -Drop Full Coverage?
Replies: 13
Views: 1202

Re: Auto Insurance -Drop Full Coverage?

Yes, liability for $90/6 months means you only get state minimum coverage, what is it nowadays 15k mandatory for bodily injury coverage only in CA? That's like a joke. Hit someone and you will be liable for $100k-300k in bodily injury. Had this happen to my friend, she rear ended someone gently 100k...
by Momus
Sat Dec 02, 2017 11:20 pm
Forum: Personal Consumer Issues
Topic: How to convince DW that high miles used car is OK
Replies: 106
Views: 6601

Re: How to convince DW that high miles used car is OK

reggiesimpson wrote:
Sat Dec 02, 2017 8:39 pm
I have owned 2 cars whose brake lines failed under 150,000 miles. Its a serious shock to put your foot on the brake and it hits the floor as you keep going! Unless you like the feeling of your stomach moving up your throat its not worth the "thrill".
How to prevent this from happening?
by Momus
Fri Dec 01, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10297

Re: Price of haircut?

0, just look up youtube how to cut your own.
by Momus
Thu Nov 30, 2017 2:20 am
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 5141

Re: How Do You Stay Current With Popular Music?

I download the top 100 billboard every six months, listen to it for the next 6 months, and delete songs I don't like.
by Momus
Sun Nov 26, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: 2 Comma Club and Other Goals Reached!
Replies: 19
Views: 3820

Re: 2 Comma Club and Other Goals Reached!

If you make 400k/yr and don't have 2M at least in portfolio after a while, there is something wrong with you lmao...

I'm sure you will triple that NW easily in the next 15 yrs. Grats on the first milestone.
by Momus
Wed Nov 22, 2017 7:33 am
Forum: Personal Consumer Issues
Topic: FIOS contract up - Price Increase
Replies: 18
Views: 1409

Re: FIOS contract up - Price Increase

A simple name change may not qualify as a "new customer" as the service is being billed to the same address. I'm not talking about changing the name. My wife cancels on 12/15/17. I setup service in my name 12/16/17. This works with me and comcast every 2 years. Only I don't have a wife. My mom live...
by Momus
Wed Nov 22, 2017 2:35 am
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 72
Views: 4800

Re: Best Basic DESKTOP?

I've been buying Dell Desktops for years. My last purchase didn't feel as good. I get the impression that Dell isn't what it used to be. Therefore, in preparation for my next Desktop purchase, can you recommend any good companies? I like the idea of getting an Apple because I won't have to worry so...
by Momus
Fri Nov 10, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 140
Views: 9391

Re: Thouhgts about wearing a "uniform"/same thing everyday?

I have been doing this for at least 7 yrs. No big deal.
by Momus
Wed Nov 08, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: Best strategy for selling cell phone on Ebay?
Replies: 33
Views: 1811

Re: Best strategy for selling cell phone on Ebay?

I sell on CL, swappa and ebay. I always get pretty much top dollar unless I want something sold quickly and I give some discount. I have never been scammed on ebay. I'm not a power seller but I have sold over 120 items at eBay, roughly half of them electronics: 50+inch TV/phones/tablets/laptop. Gaz...
by Momus
Wed Nov 08, 2017 4:07 am
Forum: Personal Finance (Not Investing)
Topic: When did you start investing in taxable accounts?
Replies: 23
Views: 2611

Re: When did you start investing in taxable accounts?

A month after college graduation. Made many mistake until I stumble upon indexing.
by Momus
Wed Nov 08, 2017 4:01 am
Forum: Personal Consumer Issues
Topic: Best strategy for selling cell phone on Ebay?
Replies: 33
Views: 1811

Re: Best strategy for selling cell phone on Ebay?

I sell on CL, swappa and ebay. I always get pretty much top dollar unless I want something sold quickly and I give some discount. I have never been scammed on ebay. I'm not a power seller but I have sold over 120 items at eBay, roughly half of them electronics: 50+inch TV/phones/tablets/laptop. Gaze...
by Momus
Wed Nov 08, 2017 3:16 am
Forum: Personal Consumer Issues
Topic: Business Laptop Suggestions Request
Replies: 36
Views: 3095

Re: Business Laptop Suggestions Request

This is pretty much the perfect all around non gaming laptop deal for now... 8th generation quad core with 8 threads! 256GB SSD, 8GB RAM, 1080p screen for $520
... No way you can beat the specs for the price.

https://slickdeals.net/share/android_app/fp/332467
by Momus
Wed Nov 08, 2017 3:06 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 150
Views: 13168

Re: How old are you and how much do you save for retirement a year

33 yo single. 140k gross in CA. I save about 70k/yr to portfolio. Currently total portfolio including 401k is around 1.1-1.2M.
by Momus
Mon Nov 06, 2017 11:51 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 11437

Re: Got an iPhoneX

https://www.facebook.com/ign/videos/10155331007491633/

The last man hair line standing in line is awesome. Stupid top bezel.
by Momus
Sun Nov 05, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 317
Views: 23038

Re: To take or not to take delivery of Tesla 3

No because the self driving part is still a gimmick feature. Wait another 5 yrs at least until this technology is perfected.

The range is also not good. 310 is lacking...

My gas guzzling car can still take me A to B just fine with 450-500 highway miles on a single tank.
by Momus
Fri Nov 03, 2017 1:24 am
Forum: Personal Consumer Issues
Topic: $500 Windows Laptop
Replies: 29
Views: 2642

Re: $500 Windows Laptop

This was readily available today at Walmart for $500 (and it was new) HP Omen 15.6" Laptop Intel Core Core i7-7700HQ Processor 15.6" 1920x1080 IPS Display 1TB Hard Drive 12GB DDR4 Memory NVIDIA GeForce GTX 1050Ti 4GB Graphics 1x HDMI 2x USB 3.1 Gen 1 1x USB 2.0 https://slickdeals.net/f/10725387-sel...
by Momus
Thu Nov 02, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: I'm fairly young but done with saving money
Replies: 75
Views: 9522

Re: I'm fairly young but done with saving money

You can save 25% and still left with a lot of money to spend... 25% savings rate is pretty great. I'm sure right now you are saving around 40-60%. I'm in the same boat as you I'm 33 yr old single male with 140k income/yr at 1.6-1.7M networth and I'm over savings and thinking of spending a little.
by Momus
Thu Nov 02, 2017 2:47 am
Forum: Personal Consumer Issues
Topic: Cheap low speed unlimited data
Replies: 16
Views: 1507

Re: Cheap low speed unlimited data

ncbill wrote:
Wed Nov 01, 2017 2:02 pm
plenty of people reselling hotspots on ebay

which are signed up on someone's plan for unlimited verizon 3G (only around 1MBps) for $5/month.

i have one for backup/travel.
How does this work?
by Momus
Mon Oct 30, 2017 10:29 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 99
Views: 7605

Re: Is it difficult to switch from an iPhone to an Android?

Iphone sucks. Customization is limited. Hardware is subpar. Technology is about 2 yrs behind flagship Android. Options to do stuff isn't supported. Basic stuff like sharing/exporting files to many program is just not supported. One button only lmao... Yea, I won't buy apple anytime soon. The proble...
by Momus
Sun Oct 29, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26446

Re: Iphone X is $1000

CyclingDuo wrote:
Sun Oct 29, 2017 11:00 am
hicabob wrote:
Fri Oct 27, 2017 10:36 am
The pre-orders sold out in a few minutes this AM.
Won't that just upset all the naysayers that have posted on this thread?

:sharebeer
Not really, there is always a sucker born everyday.
by Momus
Sun Oct 29, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 99
Views: 7605

Re: Is it difficult to switch from an iPhone to an Android?

Iphone sucks. Customization is limited. Hardware is subpar. Technology is about 2 yrs behind flagship Android. Options to do stuff isn't supported. Basic stuff like sharing/exporting files to many program is just not supported. One button only lmao... Yea, I won't buy apple anytime soon. The problem...
by Momus
Fri Oct 27, 2017 12:00 am
Forum: Personal Consumer Issues
Topic: Experian Dark Web scan
Replies: 36
Views: 4319

Re: Experian Dark Web scan

You don't even have to go to dark web to find all your past addresses and your name just listed wide in the open... https://www.usphonebook.com I entered a bunch of phone numbers and found about half of them incorrect. If that is the information the dark web has, then there is not much to be afraid...
by Momus
Wed Oct 25, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime customers can now give Amazon access to their home
Replies: 53
Views: 4587

Re: Amazon Prime customers can now give Amazon access to their home

I'm not buying some $250 special lock so they can break into the house. Give it for me free then I might just use the service.
by Momus
Tue Oct 24, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Experian Dark Web scan
Replies: 36
Views: 4319

Re: Experian Dark Web scan

You don't even have to go to dark web to find all your past addresses and your name just listed wide in the open... https://www.usphonebook.com I entered a bunch of phone numbers and found about half of them incorrect. If that is the information the dark web has, then there is not much to be afraid...
by Momus
Tue Oct 24, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Experian Dark Web scan
Replies: 36
Views: 4319

Re: Experian Dark Web scan

You don't even have to go to dark web to find all your past addresses and your name just listed wide in the open...

https://www.usphonebook.com
by Momus
Tue Oct 24, 2017 12:36 am
Forum: Investing - Theory, News & General
Topic: Building very high net worth
Replies: 81
Views: 8421

Re: Building very high net worth

Then, there are also hundreds youtubers/Instagramers that pull 7 figure/yr. A few select 8 figures... But, there are thousands and thousands that pull 6 figure incomes.
by Momus
Wed Oct 18, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: PC diehard gamers - sell me on 1080p, 2k, or 4k!
Replies: 30
Views: 1530

Re: PC diehard gamers - sell me on 1080p, 2k, or 4k!

https://slickdeals.net/share/android_app/t/10587872

$900 GTX 1080 16GB ram, will handle any game you throw at it at max settings.

Keep looking into slickdeals.net, the deal comes up once in a while and you can't never beat the price.
by Momus
Sun Oct 15, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 7617

Re: What are you driving? And would you buy your current ride again?

Accord 08 150k miles, absolutely will buy Accord 2018 if I'm in the market again but I plan to keep this one til 2028. No problem so far, just following regular oil change at 5-10k inverval depending on my mood, and 30, 60, 100k maintenence schedule. By then, I'll get electric car without steering w...
by Momus
Fri Oct 13, 2017 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Anyone used Zelle?
Replies: 37
Views: 4174

Re: Anyone used Zelle?

Just waiting until ally starts rolling out Zelle... I always like online pay like PayPal, venmo, FB messanger, and pop money. I use them all.
by Momus
Thu Oct 12, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 44
Views: 3692

Re: Antivirus Software Recommendations

360, it uses multiple engine detection: Avira and Bitdefender. It has more detection rate than most anti virus out there.

Fyi: I previously use Avast, but switched to total security 360. More protection.
by Momus
Wed Oct 11, 2017 10:59 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 210
Views: 15171

Re: [Prevent mail theft; sign for USPS Informed Delivery]

I go to check my mail box once a week. Most of my mails are junk. The only valuable mail, is normally the mail I would've expected to come... I can even bet I can go every 2 weeks and not miss any important dead line on any mail I received. All cc, bills, utilities, brokerage account are on auto/ema...
by Momus
Wed Oct 11, 2017 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Anesthesiologist Advise [how to save money]
Replies: 45
Views: 5912

Re: Anesthesiologist Advise [how to save money]

This dude makes 300k/yr, take home is 180k/yr NET income. Expenses is 3300/mo (all inclusive) or 40k/yr. Simple math, he has 140k/yr NET money lying around every yr. He has plenty of money. In fact, you can spend a little some of that and still feeling flushed... Go read Boglehead guide to investing...
by Momus
Sun Oct 08, 2017 11:26 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7928

Re: Do you want your receipt?

I don't take the receipt because I see the charges immediately on the screen before I pay as the item is being scanned. I check my mint account on my phone app immediately soon after to confirm the charges. Most of the time what I pay real time will show on mint account a few minutes later. In a few...
by Momus
Sun Oct 08, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Spouse gets blowouts? [Hair care]
Replies: 47
Views: 2521

Re: Spouse gets blowouts?

stan1 wrote:
Sun Oct 08, 2017 11:38 am
How about this: learn how to give her a blowout yourself. You might decide it is worth $2,000/year to offload the job to someone else.
I have never met a woman that let me work on her hair.
by Momus
Sun Oct 08, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Spouse gets blowouts? [Hair care]
Replies: 47
Views: 2521

Re: Spouse gets blowouts?

You might be too cheap (saving almost all your net income). You have a saving rate of 80+% of your net income. I know girls that dye/cut their hair at $300 per session. They do it once every 4-6 months. Leave this one alone. $80 seems reasonable. Choose your battles wisely. Fyi: I cut my own hair wi...
by Momus
Fri Oct 06, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 5443

Re: Anyone go 100% Ally or another online bank for all banking needs?

I can't go 100% online since Ally doesn't do international wire anymore. I have $1500 checking account (minimum balance) with bank of america just to wire money internationally. And, to get their $120/yr free money on better balance rewards credit card. I also like the fact that I have free notary s...
by Momus
Wed Oct 04, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: How to improve credit score
Replies: 23
Views: 1443

Re: How to improve credit score

My credit score never went past 780 before. Basically pristine 0-1% utilization every month (I charge $1 every cards - I have 7 cards), never a late payment for 10 yrs. Total credit limit 150k. I had auto loan also in the past that is never late, I paid off after 1 yr. It was hovering at 780+ for th...
by Momus
Sat Sep 23, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: What phone carrier?
Replies: 16
Views: 1769

Re: What phone carrier?

I currently have an iPhone SE through a business Verizon plan. I am separating from the company and am looking for an individual cell phone plan. I want to move to a less expensive pre-paid plan. Verizon offers one for $40 a month (3 GB which is fine) but I'd like to know what my alternatives are. ...
by Momus
Thu Sep 21, 2017 12:31 am
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 25345

Re: I won the Lottery. Need sound advice.

1. Pay off all debts including mortgage. It will give you cash flow of $9000/month net thru your combined income after your pay off your debts. 2. Fire your financial advisor, edward jones is one the highest fee brokerage out there. DIY boglehead only 3. Live below your means There is a lot your can...
by Momus
Wed Sep 20, 2017 11:24 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26446

Re: Iphone X is $1000

Sorry iRipoff X is a mediocore device, not worth purchasing. I will go Galaxy Note 8 all the way if I am ready to drop serious money. - Higher resolution 520 ppi vs 458 ppi - Brighter display to fight against direct sunlight 1200 nits vs. 620 nits iRipoff - Samsung Pay (any pay terminal - not NFC bo...
by Momus
Tue Sep 12, 2017 11:58 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26446

Re: Iphone X is $1000

Did anyone else find the upper portion of the iPhone X unappealing? If the upper left and right only display battery power and signal strength, that's alright, but it has the background image in there too! It was annoying to me the first second I saw an image of it... Yeah, that little blob at the ...
by Momus
Sun Sep 10, 2017 1:35 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 7121

Re: Luxury car: perception vs reality

Luxury car is stupid. After a month playing with the bells and whistles, all you think when you are driving is how you stuck in a traffic, buying the next grocery, feeding your dog, what to eat tonight, play with your kids, plan for next getaway vacation, and do your job tomorrow. A complete waste o...
by Momus
Wed Sep 06, 2017 2:44 am
Forum: Personal Finance (Not Investing)
Topic: Questions about drawing up a prenuptial agreement in California
Replies: 16
Views: 1953

Re: Questions about drawing up a prenuptial agreement in California

If your future contribution to your 401k goes to a separate fund after you get married, does it protect you from dividing your previous fund (before marriage fund) in the event of the divorce? Example : - Year 2017- june 1 2018 (single) : all money in s&p 500 fund. - June 2 2018 (married) : all mone...
by Momus
Sun Sep 03, 2017 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: How to break into new field?
Replies: 49
Views: 3577

Re: How to break into new field?

Software related fields. Do coding boot camp and learn more yourself. Pretty much guarantee if you get hired you will start at LEAST $50k+ minimum, upwards 150-200k if you are good at what you are doing.
by Momus
Mon Aug 21, 2017 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 17043

Re: Jobs that pay over $100,000

http://transparentcalifornia.com/salaries/all/?&s=-base Please just look at these. 12 million jobs for you to pick thru. It comes with fat pension and likely unlimited OTs also. Government employees, so normally, you can chill, not do a lot, and make bank. Money money money!!! Hmm, when I had a CA ...