Bogleheads.org

risharinga

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 ...

risharinga

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...

risharinga

1501.22

risharinga

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...

risharinga

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

- Bobby McFerrin

risharinga

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...

risharinga

risharinga

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...

risharinga

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...

risharinga

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...

risharinga

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.

risharinga

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...

risharinga

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.

risharinga

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.

risharinga

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...

risharinga

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...

risharinga

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.

risharinga

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...

risharinga

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 ...

risharinga

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...

risharinga

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.

risharinga

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...

risharinga

Chuch Norris fact: Chuck Norris will not retire, Chuck Noris only retires other people.

risharinga

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 ...

risharinga

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.

risharinga

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...

risharinga

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...

risharinga

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...

risharinga

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...

risharinga

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...

risharinga

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...

risharinga

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.

risharinga

http://www.tripadvisor.com/ is your friend.
We stayed at Wai Ola in Maui and loved the place.

risharinga

This spoof was very funny.
Hilter responds to the iPad.
http://www.youtube.com/watch?v=lQnT0zp8 ... youtu.be&a

risharinga

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...

risharinga

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...

risharinga

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.

risharinga

Thanks everyone.

risharinga

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...

risharinga

Vista has pretty good parental controls. This link might help you set things up.
http://www.microsoft.com/protect/produc ... vista.mspx

risharinga

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.

risharinga

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...

risharinga

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...

risharinga

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 ...

risharinga

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 ...

risharinga

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.

risharinga

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...

risharinga

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 ...

risharinga

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 (...

risharinga

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 ...

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Search found 124 matches

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

Re: Oregon road trip help

Re: REGISTRATION FOR 2012 BOGLEHEAD CONTEST

Re: Costco gift cards for restaurants? FREE Lunch?

Thanks.

Diminished Value compensation after a car accident.

Re: What to do with my company stock

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

Re: Investing in India

Re: ditching our cable TV

Roth IRA for spouse.

Re: 529 plan vs Extra Mortgage payments.

529 plan vs Extra Mortgage payments.