Search found 435 matches

by bogleblitz
Wed Apr 18, 2018 2:51 am
Forum: Investing - Theory, News & General
Topic: Tencent now largest non-US stock
Replies: 40
Views: 4955

Re: Tencent now largest non-US stock

They should change their name from Tencent to TenBillion.

I hate using Wechat but find myself reinstalling it everytime I need to talk to certain people.
by bogleblitz
Wed Apr 18, 2018 2:43 am
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 15892

Re: Is Los Angeles a good place long term to live financially?

1. Get an MBA at a good business school in the area (YES!) 2. Find a good paying job in LA after graduating (Yes, in this good economy) 3. Find a beautiful woman to marry who has a high net worth, and hopefully being in a big city like LA I’d find someone (MAYBE) 4. Buy a very big house (YES, if you...
by bogleblitz
Tue Mar 27, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: Need wireless earbuds recommendations
Replies: 19
Views: 1697

Re: Need wireless earbuds recommendations

my wife and I both have airpods so we like them.
by bogleblitz
Sun Mar 18, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Should I continue to participate in my Megacorp ESPP?
Replies: 12
Views: 1392

Re: Should I continue to participate in my Megacorp ESPP?

I think the average opinion is ESPP is always a good deal for free 10% money. Remember to sell right away. There should not be much gains if you sell right away. Or if the megacorp stock price stayed around the same price all year. ESPP is always a tricky when doing taxes. It is hard to see what you...
by bogleblitz
Sun Feb 11, 2018 1:10 am
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 6966

Re: Live / work in California - Technology Career

This report is useful for you and the report came out 2 days ago.

https://www.linkedin.com/pulse/announci ... hul-patel/

Report says Los angeles has the highest salary after adjusting for cost of living for California only.
by bogleblitz
Sat Feb 10, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Google account stolen and I can't recover
Replies: 13
Views: 1610

Re: Google account stolen and I can't recover

usually gmail accounts get deleted after 1 year of not being used.

So your account expired and got deleted. Someone else start using it.
by bogleblitz
Fri Feb 09, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Discuss Starting Time when You Get a Job Offer
Replies: 29
Views: 2392

Re: How Do You Discuss Starting Time when You Get a Job Offer

I'm in software engineering department. I worked at 4 different places over 10 years. I have never talked about starting time or leaving time with my bosses. My bosses never mentioned them. Work time was always assumed. I have seen people come in at 11am, take 2 hours lunches, leave at 4pm. Those pe...
by bogleblitz
Fri Feb 09, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Not happy where we live
Replies: 26
Views: 3206

Re: Not happy where we live

i would move back to florida. start looking.

I moved from Massachusetts to California 3 years ago and love it. I can understand people who feels lonely in a new city.
by bogleblitz
Fri Feb 09, 2018 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Can the real estate market crash if there's no inventory?
Replies: 15
Views: 1509

Re: Can the real estate market crash if there's no inventory?

No, a real estate market does not crash because of no inventory.
by bogleblitz
Thu Feb 08, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: S&P 1550
Replies: 11
Views: 1640

Re: S&P 1550

1550 was around the time I started reading investment books, found this website and created an account. That was over 5 years ago.

It was a great 5 years.
by bogleblitz
Thu Feb 08, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1430179

Re: U.S. stocks in freefall

Ah those closing minutes were entertaining to watch! Oh Dow, just a few more points to get from around down 880 to a round 900. You can do it Dow! Oh wait, you managed to pass -1000 - way to over achieve! Ah nothing like a "Dow loses 1000 points" for a financial journalist. Love those round but poi...
by bogleblitz
Wed Feb 07, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 5745

Re: What time do you go to work?

10am - 5pm. same time as my boss.
by bogleblitz
Wed Feb 07, 2018 10:12 pm
Forum: Personal Consumer Issues
Topic: How to stop mail for former occupants?
Replies: 103
Views: 6497

Re: How to stop mail for former occupants?

I saved a whole box worth and manually delivered it to the person. Some of the mail was junk but some were also important.

I know where he lives so I drove up and explain to him that he should forward his mail. His bank accounts were about to be frozen by IRS and he wasn't getting the mails.
by bogleblitz
Mon Feb 05, 2018 2:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1430179

Re: U.S. stocks in freefall

I saw a 1.5% drop today and there was a smile on my face.

I was actually a bit worried that the market has gone up too much in January. Now we are back to the beginning of January. Time to go back to sleep.
by bogleblitz
Fri Feb 02, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: VPN for account security
Replies: 12
Views: 1797

Re: VPN for account security

The business VPN does not enhance security of your other home computers, ipads, and iphones. The business VPN does not decrease the chance of someone hacking into your vanguard account.

Using 2 factor auth, password manager and changing password regularly will greatly help in preventing hacking.
by bogleblitz
Mon Jan 22, 2018 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: phone call with Fidelity retirement relationship manager
Replies: 5
Views: 1040

phone call with Fidelity retirement relationship manager

Did anyone ever get a phone call from fidelity retirement relationship manager about their 401k? Are they reliable or just trying to sell me stuff? They recommend me to see a fidelity financial advisor in a nearby local office. Did my 401k portfolio start to get big enough for them to call me yearly?
by bogleblitz
Sat Jan 20, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: What's your annual cost of living (expenses)?
Replies: 40
Views: 3665

Re: What's your annual cost of living (expenses)?

Married with 1 kid - HCOL - Los angeles

Annually should be around 70k per year. ( like do you subtract the principal amount from your mortgage ? )

Last year 2017, Mint.com said I spent $166,000 (60k in house renovations).
by bogleblitz
Sat Jan 20, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Online vs CD/download
Replies: 11
Views: 1645

Re: Turbotax Online vs CD/download

I've used both. I like the CD version more. I get to save a version of my tax. Then I can modify my taxes in different ways, and then jump back to a previous version of my taxes if I messed up. Maybe there is a way to do it online but I don't know how. The benefit of online is everything is online. ...
by bogleblitz
Wed Jan 17, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Friend Got Laid Off - Advice Needed
Replies: 46
Views: 5475

Re: Friend Got Laid Off - Advice Needed

I am puzzled when people say the cloud is making software engineering obsolete. The unemployment in Colorado for high tech is right around 2 to 3%. There are a ton of jobs if you are able to sling code. Layoffs suck. That being said, $100K is not a huge sum from a salary perspective and he can very...
by bogleblitz
Fri Jan 05, 2018 12:34 am
Forum: Personal Consumer Issues
Topic: Oil filled space heaters
Replies: 39
Views: 4413

Re: Oil filled space heaters

i like them because they are silent. while all others heaters i tried are noisy.
by bogleblitz
Thu Jan 04, 2018 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Smart home and new home security technology
Replies: 5
Views: 690

Re: Smart home and new home security technology

I heard bad things about ADT, where you will be stuck in a 2 year contract forever. I have the arlo security camera and it is pretty decent. I have never heard of Kuna or Vivint so I don't recommend them. I'm a fan of the Nest thermostats, nest cameras, and nest security system. I only have the nest...
by bogleblitz
Wed Jan 03, 2018 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Would your 401k bond fund ever be the one that does not have lowest ER offered?
Replies: 4
Views: 442

Re: Would your 401k bond fund ever be the one that does not have lowest ER offered?

no one will know which will perform better.

I was in a similar situation for my 401k. I picked both. I did 50% pimco and 50% index bond.
by bogleblitz
Wed Jan 03, 2018 12:58 am
Forum: Investing - Help with Personal Investments
Topic: Investment property in Boston
Replies: 8
Views: 968

Re: Investment property in Boston

i have an 3 family investment property in boston. I find it a very big headache. I hate dealing with tenants. My wife loves being a landlord and dealing with tenants. This week is the coldest ever in boston. I don't like dealing with snow shovel, and fixing broken heats even though I pay contractors...
by bogleblitz
Wed Jan 03, 2018 12:46 am
Forum: Investing - Help with Personal Investments
Topic: Do you eventually get accustomed to your higher balances?
Replies: 47
Views: 7166

Re: Do you eventually get accustomed to your higher balances?

the good news is the market has been good the past 7 years. last year 2017 was a 20% gain. so even if market drops 20%, I only lost last years profit.
by bogleblitz
Thu Dec 07, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: New Chromebook user, loving it, quick question
Replies: 14
Views: 1747

Re: New Chromebook user, loving it, quick question

I used chromebook, windows, mac. I agree mac notepad is great.

Everything already mentioned (google keep, google doc, evernote) works great. I'm using all 3 for various reasons.
by bogleblitz
Thu Dec 07, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 7482

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

When was your last job change? It is time to change to a different company to get a higher salary. At 33 years old with 13 years, you should getting the maximum amount in IT for your field. Your last job hop, you only gain very little in salary. You can change jobs every 2-3 years. Next time you are...
by bogleblitz
Sat Nov 18, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Smoothing out a Property Tax bill
Replies: 13
Views: 917

Re: Smoothing out a Property Tax bill

Where are you trying to do this? In an excel spreedsheet? in Mint.com? etc?

mines is part of the mortgage so that makes it abit easier.
by bogleblitz
Mon Oct 30, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 11642

Re: we bought a house - are we housepoor now?

I'm also in tech with similar salary, mortgage and networth. I'm like a clone of you.

We are fine. Enjoy the house.
by bogleblitz
Sun Oct 22, 2017 1:59 am
Forum: Investing - Theory, News & General
Topic: Investing videos in Chinese (Cantonese)
Replies: 4
Views: 612

Re: Investing videos in Chinese (Cantonese)

Thanks for the links. I listen to chinese radio am1430 in Southern California and it's always confuses me when they say Dow, S&P 500, Nasdaq in chinese.
by bogleblitz
Tue Oct 10, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 4859

Re: Wifi Thermostat

i have nest and i like it.

any of the other wifi thermostat would work fine as I heard good things about all of them.
by bogleblitz
Tue Oct 10, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: WiFi [extender]
Replies: 57
Views: 5881

Re: WiFi

as others mention. wifi extender is not good. you have to switch between the 2 wifi which causes headaches.

I use netgear orbi mesh wifi. Any of the mesh wifi mentioned in this thread is good as well.
by bogleblitz
Mon Oct 09, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 5172

Re: 2 factor authentication - What if something happens to you?

If I die, then my spouse gets all the money from my vanguard account. She does not need to use 2 factor authentication. My spouse needs to provide vanguard with my death certificate.

If I go missing, my spouse does not need to touch my vanguard account. Buy and hold forever until I die.
by bogleblitz
Mon Oct 02, 2017 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Would you take a pay cut to work from home?
Replies: 67
Views: 6621

Re: Would you take a pay cut to work from home?

Yes, I would take a pay cut. Luckily, I got a salary increase instead. However, work from home is not as great as I thought it will be. I think work from home 3 days a week will be ideal instead of full time work from home. I miss the real human interaction instead of everything over skype, email, o...
by bogleblitz
Tue Sep 19, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: Getting (young) kids interested in coding
Replies: 81
Views: 6292

Re: Getting (young) kids interested in coding

the coding classes for 6 years old require very little reading or dont need to read at all. See example below https://studio.code.org/s/coursea/stage/4/puzzle/2 It is fun for the kids. It is more like a video game than actual coding. I do understand parents who don't want their kids to touch the ipa...
by bogleblitz
Tue Sep 19, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 5606

Re: Costco vs sams club vs neither.

I have both and find them equal. I would go to the closer one to my house.

So I'm going to let the one which is further away expire.
by bogleblitz
Mon Sep 18, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Getting (young) kids interested in coding
Replies: 81
Views: 6292

Re: Getting (young) kids interested in coding

Our school is teaching kids to code in first grade ( 6 years old ) using these 2 websites:

https://code.org/
https://scratch.mit.edu/
by bogleblitz
Sun Sep 17, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Free credit monitoring for AAA members
Replies: 16
Views: 2266

Re: Free credit monitoring for AAA members

I used aaa.com free credit monitoring while wife was using creditkarma.com.

In my opinion, both are exactly the same. I got email from both when a credit card was open. I got an email from both when a mortgage company checked on my credit.
by bogleblitz
Sun Sep 17, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 61262

Re: what to do about the Equifax security breach

actively monitor your credit to see if anyone use your social security to open a credit card, etc. You can do this for free. Equifax provides 1 year free monitoring, creditkarma.com provides it for free, aaa.com members get free credit monitoring, and many more. In this digital age, even before equi...
by bogleblitz
Thu Sep 07, 2017 12:31 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 387
Views: 44251

Re: Name something you had to have and now you regret purchasing it?

modifying my sports car, changing muffler, belt, pulley, lowering the car, wheels, etc. Then I dated my girlfriend/now wife. She hated the car and don't know how to drive stick shift. so I sold it.

massage chair.
by bogleblitz
Wed Sep 06, 2017 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: What is the main purpose of holding your current job?
Replies: 66
Views: 6836

Re: What is the main purpose of holding your current job?

2. I do my job to make a living, no more no less.

Work from home computer programmer. No commute is great. No more office cubical or people looking over your shoulder. No need to pretend to be busy
by bogleblitz
Sat Aug 26, 2017 2:51 am
Forum: Personal Finance (Not Investing)
Topic: IRS CP2000 Tax Bill Letter - Please Help
Replies: 32
Views: 2678

Re: IRS CP2000 Tax Bill Letter - Please Help

I also received a CP2000 tax letter this week regarding 2015 tax.

It is related to unemployment money I didn't file. I owe like $700 and I paid it.
by bogleblitz
Wed Aug 09, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Gaming laptop vs gaming pc for AAA hi-end graphics games?
Replies: 49
Views: 3493

Re: Gaming laptop vs gaming pc for AAA hi-end graphics games?

I've been gaming on a laptop for 10plus years. So I choose the laptop route.
Laptops are twice as expensive as desktops but I still choose laptop.
by bogleblitz
Sat Jul 08, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 9300

Re: Shopping for first bike since I was a kid

What is wrong with $99 - $200 bikes at target , Walmart or Kmart? I've been buying those my whole life and no issues with them.
by bogleblitz
Fri Jul 07, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on 1.2m (now 900K) house purchase
Replies: 192
Views: 16312

Re: Seeking advice on 1.2m (now 900K) house purchase

You could move to one of those places and with your current net worth live like a QUEEN. I mean buy a MANSION for cash and never have a single financial care for life. My own opinion only: living alone in a Mansion can be quite boring. I didn't feel like a King/Queen but felt loneliness in a 3000+ ...
by bogleblitz
Fri Jul 07, 2017 12:42 am
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on 1.2m (now 900K) house purchase
Replies: 192
Views: 16312

Re: Seeking advice on 1.2m (now 900K) house purchase

I'm like a clone of the OP. Same salary, same age, same net assets.

I bought last year a house about 1 million. 400k down payment and took out a 600k mortgage.
I'm doing fine and have positive cash flow. no regrets.
by bogleblitz
Thu Jun 29, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - deposit limit exceeded by home closing check
Replies: 24
Views: 4306

Re: Ally Bank - deposit limit exceeded by home closing check

I could never have an online bank as my only bank. i have ally too and I have a local bank.

local banks for large check deposits, money order deposits, cash deposits, cash withdraws, etc.
by bogleblitz
Wed Jun 28, 2017 2:32 am
Forum: Personal Finance (Not Investing)
Topic: Middle age job blues
Replies: 86
Views: 10695

Re: Middle age job blues

a similar thread from a year ago:

viewtopic.php?t=199157
by bogleblitz
Tue Jun 27, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Middle age job blues
Replies: 86
Views: 10695

Re: Middle age job blues

This post is scary. Are there any positive stories from people in similar situation? I don't know what a positive story would look like. But something like, I never got laid off, organizations considered me a real asset over younglings, I found many employers willing to hire me, I found so many oth...