Search found 124 matches

by risharinga
Fri Aug 18, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 18173

Re: Is it worth it? [demanding jobs vs time with family]

I don't think you can fully know until you give it a try. Can you reduce your hours temporarily to see how it goes? My wife quit her job to stay home with our kids but ended up very ready to go back to work. She's now back at work and the whole family is happier. She works probably 50 hours a week ...
by risharinga
Wed Aug 09, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 85
Views: 8623

Re: Oregon road trip help

We were in Florence, OR earlier this summer and really loved riding the buggy on the sand-dunes. If you have small kids then go for the big ones as they go slower. Else go for the seven-seater ones. http://www.sandland.com/ A couple of good lighthouses near Florence, OR. We missed going to this Safa...
by risharinga
Tue Oct 11, 2011 5:53 pm
Forum: Personal Consumer Issues
Topic: Costco gift cards for restaurants? FREE Lunch?
Replies: 28
Views: 4208

Re: Costco gift cards for restaurants? FREE Lunch?

While at Costco recently, I noticed a whole display of gift cards fro restaurants with a price significantly less than the face value of the gift card. For example, 2 McCormick & Schmick $50 cards were priced under $80. Sounds like a FREE $20 if my wife and I are going anyway and will spend tha...
by risharinga
Fri Sep 23, 2011 2:51 am
Forum: Personal Consumer Issues
Topic: Favorite song line?
Replies: 153
Views: 14055

"Cause when you worry
Your face will frown
And that will bring everybody down
Don't worry, Be Happy. Be Happy "now""

- Bobby McFerrin
by risharinga
Fri Jan 07, 2011 4:22 am
Forum: Personal Finance (Not Investing)
Topic: Best time to book flights
Replies: 10
Views: 2550

Go to the travel tab of http://www.bing.com and search for your itinerary. They use past airfares to predict if prices are likely to fall or go up and assign a confidence percentage to their predictions. Works reasonably well. They also show you some historical price ranges for different times durin...
by risharinga
Sun Jan 02, 2011 3:41 pm
Forum: Investing - Theory, News & General
Topic: 2011 BOGLEHEAD CONTEST REGISTRATION
Replies: 374
Views: 38877

1513
by risharinga
Wed Dec 22, 2010 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft horror story - Freeze your credit reports everyone!
Replies: 31
Views: 7256

This is absolutely ridiculous, with the amount of identity theft the freeze should be free. The credit agencies make money selling our information yet require us to pay to freeze it. I think I'll write my congressman. There should be a law. BearWolf BearWolf, Could you do some of us a favor by post...
by risharinga
Wed Dec 15, 2010 2:53 am
Forum: Personal Consumer Issues
Topic: How Much Should a Family Save?
Replies: 42
Views: 4837

50,000 for a family of 4 is not a whole lot of money. It is hard. The parents will have to find many creative ways for fulfilling a lot of needs. Using the library, dollar movie theaters, shopping at value village, garage sales, use the computer at the library, camping vacations at nearby national p...
by risharinga
Wed Dec 15, 2010 2:31 am
Forum: Personal Consumer Issues
Topic: Won Free XBOX 360 with Kinect - Keep or Craigslist?
Replies: 25
Views: 3506

Open it first thing tomorrow. Play Kinect with your kid for an hour and this question won't be necessary. Kinect is awesome. Let me rephrase, Kinect is AWESOME! The interactiveness is great. And it is not for couch-potatoes. Dance central will make you sweat and so will Kinect adventures. XBox itsel...
by risharinga
Thu Dec 02, 2010 8:08 pm
Forum: Personal Investments
Topic: Cricket question #2: How did you become Bogleheads?
Replies: 31
Views: 3742

Spent 2 years chasing the top-performing mutual funds and realized that I had miserably failed to "time" my buys. Decided to educate myself more and found the Morningstar VG Diehard forum (the old BH convene). Read up quite a bit for the next 6 months and have been a BH since.
by risharinga
Sun Nov 28, 2010 5:47 pm
Forum: Personal Consumer Issues
Topic: random song thread
Replies: 90
Views: 8517

Great thread. I love everything from Lee Hazlewood and Nancy Sinatra. Two good individual voices, but as a pair they are just awesome. http://www.youtube.com/watch?v=FIPQVpw-zkk&feature=related http://www.youtube.com/watch?v=Ib_eW9VSUwM&feature=related Also, the classics from Simon and Garfu...
by risharinga
Thu Nov 25, 2010 1:14 am
Forum: Personal Consumer Issues
Topic: Network Attached Storage
Replies: 9
Views: 2067

Doesn't DropBox or Mozy charge only $4.99 / month / machine for unlimited backup? Seems much cheaper than the S3 option.
Ofcourse, as others have mentioned, it is going to take you a long time to upload your TB+ data.
by risharinga
Thu Nov 04, 2010 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Diminished Value compensation after a car accident.
Replies: 9
Views: 2407

Thanks.

Thanks for the replies. It looks like the main suggestion is to call the other party's insurance and ask+negotiate a diminished value compenstation. Talking to Appriasal Group of America should help him get a good sense of the diminished value.
by risharinga
Thu Nov 04, 2010 2:17 am
Forum: Personal Finance (Not Investing)
Topic: Diminished Value compensation after a car accident.
Replies: 9
Views: 2407

Diminished Value compensation after a car accident.

Hi, I am writing to get some help for a friend who was recently involved in a car accident. My friend's car was rear-ended with no fault on his part. The other party's insurance is paying for the damages to the car. However, my friend owned a fairly new (2 yrs old) luxury car and suspects that his c...
by risharinga
Wed Oct 20, 2010 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with my company stock
Replies: 21
Views: 3907

Re: What to do with my company stock

Hi, what should I do, sell all? hold all? sell half? I sell all my ESPP holdings at the first chance I get and divert the money to my Vanguard mutual funds. Haven't regretted that decision in the last 5 yrs. Helps me diversify, not track my company's stock price day-in and day-out, keeps my asset a...
by risharinga
Fri Oct 15, 2010 3:18 am
Forum: Personal Investments
Topic: Taylor
Replies: 138
Views: 23366

Taylor,

I am sorry to hear about your diagnosis. I pray that you get well soon. Smile and hang tough. Every member of this forum is pulling for you.

Best Wishes.
by risharinga
Fri Oct 08, 2010 1:38 am
Forum: Personal Consumer Issues
Topic: Is anyone using Vonage for their phone service.
Replies: 25
Views: 6454

What's audio quality like when calling India? Any echoes? Thinking about getting it for calling Asia. The audio quality is likely to be a function of your Internet connection. I have a standard cable Internet connection from Comcast and have never faced issues with audio quality or echoes. If a Sky...
by risharinga
Thu Oct 07, 2010 5:07 pm
Forum: Personal Consumer Issues
Topic: Is anyone using Vonage for their phone service.
Replies: 25
Views: 6454

We have the Vonage world plan for unlimited calling all around the world (especialy India, since that's I'm from). It costs a very reasonable $25, but after all the taxes and etceteras are added, it costs $35 and causes minor irritation. I'll second the recommendation for the World plan. Best deal ...
by risharinga
Thu Oct 07, 2010 12:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard makes a lot of changes in 2010 - are you worried?
Replies: 42
Views: 6732

Re: Vanguard makes a lot of changes in 2010 - are you worrie

It seems like Vanguard is making a lot of changes lately I would like them to do more. They do not have an admiral class for VGTSX - The Total International Stock Index or for VFWIX - FTSE All-World Index fund. I would immediately benefit from an Admiral Class fund for VFWIX with a limit of $10,000...
by risharinga
Mon Sep 13, 2010 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Adding Addl Car To Insurance
Replies: 9
Views: 1691

I bought a used car 2 weeks back and the Liberty Mutual rep told me that I would have been OK if I had called within 30 days of the purchase.
by risharinga
Wed Aug 25, 2010 1:20 pm
Forum: Personal Consumer Issues
Topic: very good default homepage (starting page) ????
Replies: 45
Views: 6231

http://www.bing.com I love the pictures that Bing uses. Vivid colors and visually attractive. Plus I always take a minute to read the nuggets that they post on their pictures. Keep learning something new everyday and the topic are very diverse so it never gets boring. I used to have the personalize...
by risharinga
Tue Aug 17, 2010 1:57 pm
Forum: Personal Consumer Issues
Topic: Chuck Norris's Own (Index) Portfolio Revealed [Humor]
Replies: 111
Views: 21622

Chuch Norris fact: Chuck Norris will not retire, Chuck Noris only retires other people.
by risharinga
Sun Aug 08, 2010 3:42 pm
Forum: Personal Consumer Issues
Topic: What's your extravagance?
Replies: 98
Views: 13184

I happen to be married to a researcher who specializes in organic crop protection. We prefer the produce from our local farmers' market, which happens to be organic - that's an indulgence, but one we can easily rationalize. However when we're not buying local we choose conventional over organic at ...
by risharinga
Sun Aug 01, 2010 2:52 am
Forum: Personal Consumer Issues
Topic: new Honda accord - leather or not
Replies: 41
Views: 10510

EmergDoc wrote:Leather sucks when it is hot or cold. But it's a lot easier to clean.
You are probably right about the heat, but there is a solution for the cold. Heated leather seats. Hands down the best feature in my Acura.
One more reason why you might want to consider leather.
by risharinga
Fri Jul 23, 2010 8:55 pm
Forum: Non-US Investing
Topic: Investing in India
Replies: 16
Views: 2952

Can you tell me anything about the heavy Indian expat focus on American motels? I was wondering that too. I also notice a certain focus in gas stations by a select group.-just sayin- :D You missed 7-11, Dunkin Donuts, Newspaper stands in NYC, Cab drivers, Doctors, Nurses, Software Engineers & n...
by risharinga
Fri Jul 23, 2010 1:55 pm
Forum: Non-US Investing
Topic: Investing in India
Replies: 16
Views: 2952

Buy DVDs of Rajnikant's movies. That is the best investment you can make :) Not with piracy flourishing in India like it is. :D But buying one of these books may secure your retirement.... http://timesofindia.indiatimes.com/sports/off-the-field/Tendulkar-Opus-to-have-iconic-players-blood-in-it/arti...
by risharinga
Fri Jul 23, 2010 1:49 pm
Forum: Non-US Investing
Topic: Investing in India
Replies: 16
Views: 2952

Re: Investing in India

Seems like the usual indexing approach has lagged several oversize but successful active funds such as Reliance Growth and HDFC Top 200 Growth. To answer specifically to the active mutual funds: I don't invest in them -- thanks to me reading and learning from this forum over the last 4 years. While...
by risharinga
Fri Jul 23, 2010 1:39 pm
Forum: Non-US Investing
Topic: Investing in India
Replies: 16
Views: 2952

I invest my Indian Rupess in the following two ETFs that are available in the NSE exchange of India. http://finance.yahoo.com/q?s=NIFTYBEES.NS http://finance.yahoo.com/q?s=BANKBEES.NS Both of these ETFs track an index. The first tracks the Nifty index and the other tracks the Banking index for India...
by risharinga
Wed Jul 21, 2010 11:59 pm
Forum: Personal Consumer Issues
Topic: ditching our cable TV
Replies: 46
Views: 8018

Re: ditching our cable TV

Tonight I went to Best Buy and bought a $50 Terk flat TV antenna. Very small and easy to conceal. I connected it to our Tivo and plugged it in, then did a channel scan on the Tivo. It immediately pulled in 12 channels with perfect reception, a rock solid digital feed that actually looks better than...
by risharinga
Thu Jul 01, 2010 12:44 pm
Forum: Personal Consumer Issues
Topic: Microsoft Operating Systems
Replies: 43
Views: 6102

On my laptop I still use xp and will continue to until I would have less application compatibility problems using 7 than I would with xp. Win7 let's you run XP programs after you download their virtualization and XP mode software (available for free.). The only requirement is that you have higher S...
by risharinga
Tue Apr 20, 2010 12:44 pm
Forum: Personal Consumer Issues
Topic: Holiday in India in July
Replies: 30
Views: 4094

July is not the kindest month in the plains of North India where you plan to be. The mountains are a better option.
Beware of water-borne diseases during the monsoons. I second the suggestion to stick to bottled water and avoid street food.
by risharinga
Thu Feb 18, 2010 10:10 pm
Forum: Personal Consumer Issues
Topic: Help with planning a Hawaii trip
Replies: 24
Views: 4572

http://www.tripadvisor.com/ is your friend.
We stayed at Wai Ola in Maui and loved the place.
by risharinga
Thu Jan 28, 2010 8:45 pm
Forum: Personal Consumer Issues
Topic: Apple Unveils New Tablet Computer
Replies: 158
Views: 17889

This spoof was very funny.
Hilter responds to the iPad.
http://www.youtube.com/watch?v=lQnT0zp8 ... youtu.be&a
by risharinga
Mon Jan 11, 2010 5:31 pm
Forum: Investing - Theory, News & General
Topic: TreasuryDirect Virtual Keyboard
Replies: 25
Views: 4019

I don't find the virtual keyboard a PITA. I find the little credit card with a chart of random letters and numbers I need to even get to that step a PITA. I finally copied the chart onto an excel spreadsheet b/c I'm sure I'll lose the d*mn thing eventually. Anything wrong with having an excel sprea...
by risharinga
Sat Nov 28, 2009 4:05 pm
Forum: Personal Investments
Topic: Education savings questions
Replies: 16
Views: 2008

I-bonds may be another good alternative for some college savings in your name. Interest is state tax exempt, federal tax is deferred up to 30 years until cashed, and if you are under certain AGI at the time the bonds are cashed in, they can be tax free if used for education. The bonds have to be in...
by risharinga
Wed Nov 11, 2009 7:49 pm
Forum: Personal Consumer Issues
Topic: Computer: Whats a good home page besides MSN?
Replies: 54
Views: 10816

http://www.bing.com
I like their image backgrounds. Not to heavy to load and there is something new to learn everyday. If nothing else, they have good pics everyday.
by risharinga
Sun Oct 25, 2009 7:40 pm
Forum: Personal Investments
Topic: Roth IRA for spouse.
Replies: 19
Views: 2619

Thanks everyone.
by risharinga
Sun Oct 25, 2009 1:42 pm
Forum: Personal Investments
Topic: Roth IRA for spouse.
Replies: 19
Views: 2619

Roth IRA for spouse.

Hi, I needed confirmation on my understanding of rules related to Roth IRA contributions for a spouse. This is the first year that my wife will not have earned income as she decided to stay home with our 1 yr old. We file our taxes jointly. My income will not exceed 150K for 2009. It is my understan...
by risharinga
Fri Aug 07, 2009 12:43 am
Forum: Personal Consumer Issues
Topic: internet for kids
Replies: 38
Views: 4746

Vista has pretty good parental controls. This link might help you set things up.
http://www.microsoft.com/protect/produc ... vista.mspx
by risharinga
Fri Jul 03, 2009 12:24 am
Forum: Personal Consumer Issues
Topic: Talk radio fans?
Replies: 52
Views: 7480

scuttlebuttrp wrote:I listen to NPR. Dianne Rehm is very cool. No shouting and ranting at all.
Yes Diane Rehm is great!!! I admire her questioning. She is very persistent and does ask the hard questions but in a very respectful way. The conversations are civil and there is a genuine intent to understand issues.
by risharinga
Thu Jul 02, 2009 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Do you save for college in something other than an ESA/529?
Replies: 9
Views: 1944

Yes. I do max out my 401K and Roth. That's my retirement money and I save that first. Next I buy I-bonds for the year. If I get money from the relatives then I use that to buy IBonds. Haven't bought them this year because of the rate. Waiting and hoping for a better rate in Oct. Lastly I put in mone...
by risharinga
Wed Jul 01, 2009 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Contribute to 529 or pay off mortgage?
Replies: 11
Views: 6338

Sunny, I too have been struggling with the same question. Here's the thread I started a few weeks back. http://www.bogleheads.org/forum/viewtopic.php?t=39301 . No clear answer there tough. My number crunching too brought me to the same realization that I could have my house paid off by the time my k...
by risharinga
Sun Jun 21, 2009 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA for college savings?
Replies: 15
Views: 5011

This is indeed an interesting idea. I think the assumption is a fairly significant one though. I for one do not have a pension plan. So only maxing out the 401K is not enough for retirement savings. But this could work for others. Another trick in the same light is to reduce bond allocations within ...
by risharinga
Sun Jun 21, 2009 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Basic skillsets of an Entrepreneur
Replies: 27
Views: 3944

In short, everything. Entrepreneuring is not for the employee mentalitied. If you were ever asked to do something in your line of work not directly related to your employment and either thought or replied back "not my job" or "too much aggravation", being an entrepreneur is not ...
by risharinga
Sun Jun 21, 2009 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Salary raises - what are you seeing?
Replies: 84
Views: 13152

No salary increase across the company.
Bonus rate and stock options remains the same as 08.
Benefits + 401K have been left untouched.
I am grateful to have a job.
by risharinga
Sun Jun 21, 2009 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: 529 plan vs Extra Mortgage payments.
Replies: 10
Views: 3222

I ran some numbers through a mortgage calculator. If I direct all my extra savings towards the mortgage then I payoff the mortgage by 2026 which wouldn't give me time to save into a 529 account as my kid would be 18 by then. So clearly there is a need to direct something into the 529 account. I'll p...
by risharinga
Sat Jun 20, 2009 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: 529 plan vs Extra Mortgage payments.
Replies: 10
Views: 3222

Re: 529 plan vs Extra Mortgage payments.

What is your tax bracket (combined Federal and state)? ...... If you are in a high tax bracket, or you get a state tax deduction on contributions to a good 529 in your state, the 529 looks better. Grabiner, Thanks for your response. To answer your questions I am in the 25% tax bracket and there is ...
by risharinga
Sat Jun 20, 2009 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: 529 plan vs Extra Mortgage payments.
Replies: 10
Views: 3222

529 plan vs Extra Mortgage payments.

Hi All, I wanted to get some opinions from the Boglehead community wrt prioritizing among two of the following choices. 1. Contributing towards kid's (currently 9 month old) 529 plan. 2. Making extra payments towards my mortgage (curently at 6% 30 yrs fixed). Let's assume I can save $6000 annually (...
by risharinga
Sun Jun 07, 2009 2:36 pm
Forum: Personal Consumer Issues
Topic: Computer Languages we have known (and maybe loved)
Replies: 122
Views: 18686

Wow! This brings back memories from the Programming Language courses from Grad School. I loved writing those sample programs in ML and LISP . I wasn't really hooked onto Emacs until I studied Lisp. And that was it, Emacs still remains my editor of choice for writing programs, though not so much for ...