Search found 1069 matches

by LiveSimple
Tue Nov 20, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: 1 Week vacation in February 2019, to get away from the Midwest Winter
Replies: 1
Views: 99

1 Week vacation in February 2019, to get away from the Midwest Winter

1 Week vacation in February 2019, to get away from the Midwest Winter

Any ideas you have for a week vacation in February, husband and wife, main goal is to get away from the Winter Cold Weather.

Either US southern states or International is fine.
by LiveSimple
Mon Nov 19, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: New car - aftermarket upgrades vs higher trim
Replies: 28
Views: 1775

Re: New car - aftermarket upgrades vs higher trim

Just get OEM, or you are doing some structural changes to the interior. Also you do need great mechanics / technicians who does this more often on new vehicles to get the best results. Since you are asking here, assuming that you do not have a great team to work on your car. Know friends, who buy ol...
by LiveSimple
Fri Nov 16, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Need advice on (2) jackets.
Replies: 32
Views: 2437

Re: Need advice on (2) jackets.

I prefer the top one
by LiveSimple
Tue Nov 13, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: When to follow up after job interview
Replies: 18
Views: 1012

Re: When to follow up after job interview

If they want you, they will reach you :D
by LiveSimple
Mon Nov 12, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 111
Views: 9521

Re: Granddaughter needs $ help for university

You should cosign, if this is your granddaughter and you can afford to pay the $15,000 if for some reason, she is not able to pay. Seems like all will pan out well. Given the situation the granddaughter and her mother may have gone through, since her father is not around, your empathy towards her, w...
by LiveSimple
Mon Nov 12, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Still spending too much on non-essentials
Replies: 38
Views: 2442

Re: Still spending too much on non-essentials

What is your income and saving rate.
Cannot quantify $100 / month as too much or too less without the income / saving rate.

Again, we all have to spend somewhere to keep us happy. Keep harmony in the family.
by LiveSimple
Wed Oct 31, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?
Replies: 180
Views: 11032

Re: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?

A relative just moved to Nashville area after spending his whole career in Southern California, and now it seems he can retire so comfortably in the lower cost of living area that Nashville is. He sold his paid for Southern California home and that alone was worth a million or more. Sure, made a mi...
by LiveSimple
Tue Oct 30, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: Quicken Mac vs Windows
Replies: 18
Views: 1294

Re: Quicken Mac vs Windows

Transparency : I am an slice and dice, with added tilts, with many accounts. :D Hence the summation of the assets is helpful. So are you saying Quicken for PC gives you what you need and you don't also need a spreadsheet? I have not experienced the Quicken for PC, hence cannot confirm, but was hope...
by LiveSimple
Tue Oct 30, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: Quicken Mac vs Windows
Replies: 18
Views: 1294

Re: Quicken Mac vs Windows

Back to my Excel and Pivot Table for my assets allocation. If it's any consolation I can't imagine a Boglehead with anything more complex than a 3 fund portfolio would be happy with how Quicken for WIndows does asset allocation. I do find it very easy to move holding values from Quicken into a spre...
by LiveSimple
Tue Oct 30, 2018 7:16 am
Forum: Personal Consumer Issues
Topic: Quicken Mac vs Windows
Replies: 18
Views: 1294

Re: Quicken Mac vs Windows

Windows version has the asset allocation graph, which the mac version do not have. Have a Mac and got Quicken thinking that I will make my assets allocation, dynamic. However learn that this feature is not in Mac. When I asked the service rep, is he sure ?, he replied "yes, I work in my job for many...
by LiveSimple
Mon Oct 29, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Should I co-sign for relative?
Replies: 103
Views: 4930

Re: Should I co-sign for relative?

Yes you an sign, if you are prepared to pay the $900 / month, in case something did not go well. Again this goes to see who is your relative and how bonded you are to co sign. I may have to co sign for my kids, as needed, if the situation arises and they cannot wait till they can sign for them self....
by LiveSimple
Fri Oct 26, 2018 5:49 am
Forum: Investing - Help with Personal Investments
Topic: VGT vs QQQ
Replies: 10
Views: 1346

Re: VGT vs QQQ

Moved from VGT to IGM. Liked VGT till the companies in the sector reclassification.
by LiveSimple
Thu Oct 18, 2018 7:38 am
Forum: Investing - Theory, News & General
Topic: Forever Stamps as an Investment?
Replies: 32
Views: 3736

Re: Forever Stamps as an Investment?

Good Luck. I buy them for personal use and lose somewhere, so go to the post office and buy as needed
by LiveSimple
Tue Oct 16, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 51
Views: 5536

Re: Jury duty - already booked vacation

Where we live, we do need to send in the document to show the planned vacation such as airline reservation and request to be rescheduled.
by LiveSimple
Sun Sep 16, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: 38% pay cut for dream job?
Replies: 61
Views: 5485

Re: 38% pay cut for dream job?

Just do what you think, is right for your family :D
by LiveSimple
Mon Sep 03, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Best place to exchange dollars to euros?
Replies: 49
Views: 4067

Re: Best place to exchange dollars to euros?

Use ATM. If you have Fidelity and Schwab, they reimburse the fees charged by the banks who own the ATMs. + 1 Use the local ATM, with these cards. Have a couple of cards from different institutions as backup. I assume that the exchange rate is from the Visa, when you use the Visa card. Also I will c...
by LiveSimple
Sat Sep 01, 2018 5:06 am
Forum: Personal Finance (Not Investing)
Topic: New York Rental - Lost Deposit due to Real Estate Agent
Replies: 29
Views: 2753

Re: New York Rental - Lost Deposit due to Real Estate Agent

OP, update. A few things happened ... 1. Called the NYC Attorney general office, the rental division after listening advised to call their "Customer Fraud" division and redirected the call as well. The rental division, told me that they take care of complaints in rent controlled apartment and not pr...
by LiveSimple
Sat Sep 01, 2018 3:35 am
Forum: Investing - Help with Personal Investments
Topic: Anyone allocate TSM/SV/TB
Replies: 4
Views: 538

Re: Anyone allocate TSM/SV/TB

I think, , livesoft saying that you can invest in SV, if you choose to rebalance, more often, to gain the SV premier, if you are not rebalancing, then adding SV may or may not make a difference. Also I think, Rick Ferri, saying investing in SV, you have to wait for a long time. When I did my homewor...
by LiveSimple
Fri Aug 31, 2018 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer US dollars to a country with 7% CD rates
Replies: 31
Views: 3220

Re: Transfer US dollars to a country with 7% CD rates

Sure invest and get higher interest rate, by the time you want to convert back to USD, 1 USD will be 95 INR, so you have pay more of INR or you get less USD. There is a reason why you get more CD rate for each currency, inflation and weakness of the currency. Don’t do it, if you do, come back and te...
by LiveSimple
Thu Aug 30, 2018 5:32 am
Forum: Investing - Theory, News & General
Topic: Can margin be beneficial for long-term investing?
Replies: 61
Views: 3783

Re: Can margin be beneficial for long-term investing?

One of the cardinal principle is “Do not borrow and invest”.
by LiveSimple
Mon Aug 27, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Little love for Small and Mid Cap ETFs in a "minimalist" portfolio?
Replies: 18
Views: 964

Re: Little love for Small and Mid Cap ETFs in a "minimalist" portfolio?

Small Caps are getting a lot of attention this year because they are doing well. Remember all of the posts last year about adding International & Emerging Markets when they were doing well. Look back in discussions and you'll see times when Gold and REITs and GNMAs were hot topics. Chasing stocks, ...
by LiveSimple
Fri Aug 24, 2018 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 22063

Re: Decent compensation to move to Bay Area CA?

When you get an offer for $500K salary (bonuses and RSUs extra), then consider moving. This is a good one, will try for myself :D OK, I'll take 2. Of course if you ca take 1h of commute (company bus, driving) is not at all bad. You can go to Pleasanton, parts of East Bay, Santa Cruz where houses ar...
by LiveSimple
Thu Aug 23, 2018 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: New York Rental - Lost Deposit due to Real Estate Agent
Replies: 29
Views: 2753

Re: New York Rental - Lost Deposit due to Real Estate Agent

Who did you physically hand the check over to? 1) sales agent 2) broker or 3) landlord. When I say physically, did you hand it over to them or mail it via US Postal Service? You took a photo of the agent holding your check and the real estate license? What other paper receipt or notice did you rece...
by LiveSimple
Thu Aug 23, 2018 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: New York Rental - Lost Deposit due to Real Estate Agent
Replies: 29
Views: 2753

Re: New York Rental - Lost Deposit due to Real Estate Agent

Did you check if the real estate license number is real, not a scam? Did you visit their offices as well as meet the landlord face to face? Have the photo and of the license. Have the photo of our check with the license and have the photo of the agent having our check with the license, as these are...
by LiveSimple
Thu Aug 23, 2018 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: New York Rental - Lost Deposit due to Real Estate Agent
Replies: 29
Views: 2753

Re: New York Rental - Lost Deposit due to Real Estate Agent

It's been mentioned before, but i'd call the Attorney General's office. This smells like one big scam. Who uses a website called "your vanity"? It does not sound legitimate. Thanks Grt2bOutdoors, will call the Attorney General's office. The real estate agent broker is valid in the database “your va...
by LiveSimple
Thu Aug 23, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: New York Rental - Lost Deposit due to Real Estate Agent
Replies: 29
Views: 2753

Re: New York Rental - Lost Deposit due to Real Estate Agent

Is there a reason you didn't want to use Columbia's Off Campus Housing (OCHA) office to assist in finding a place to live and learning about the best way to find one? They even have a list of apartments that rent to students. And they may even have a way to match 2 or 3 students together to go into...
by LiveSimple
Thu Aug 23, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: New York Rental - Lost Deposit due to Real Estate Agent
Replies: 29
Views: 2753

Re: New York Rental - Lost Deposit due to Real Estate Agent

Are they holding the deposit - or has it already been cashed. If it is being held you can approach the bank about disputing it (though you would have to put up other funds). This is a cashiers check, so I doubt the bank can do anything. I checked with the bank when getting the cashiers check, as we...
by LiveSimple
Thu Aug 23, 2018 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: New York Rental - Lost Deposit due to Real Estate Agent
Replies: 29
Views: 2753

Re: New York Rental - Lost Deposit due to Real Estate Agent

Thanks, will call the landlord tomorrow and ask for the reason why they are holding my check, and move from there. Any pointers to talk to the landlord. The issue is we did not deal with the landlord directly, the check was to the landlord, all our discussions were with the agent. Call them, tell t...
by LiveSimple
Thu Aug 23, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: New York Rental - Lost Deposit due to Real Estate Agent
Replies: 29
Views: 2753

Re: New York Rental - Lost Deposit due to Real Estate Agent

Thanks, will call the landlord tomorrow and ask for the reason why they are holding my check, and move from there. Any pointers to talk to the landlord. The issue is we did not deal with the landlord directly, the check was to the landlord, all our discussions were with the agent. You could also ca...
by LiveSimple
Thu Aug 23, 2018 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: New York Rental - Lost Deposit due to Real Estate Agent
Replies: 29
Views: 2753

Re: New York Rental - Lost Deposit due to Real Estate Agent

Thanks, will call the landlord tomorrow and ask for the reason why they are holding my check, and move from there.

Any pointers to talk to the landlord.

The issue is we did not deal with the landlord directly, the check was to the landlord, all our discussions were with the agent.
by LiveSimple
Thu Aug 23, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 22063

Re: Decent compensation to move to Bay Area CA?

AlphaLess wrote:
Thu Aug 23, 2018 7:39 pm
When you get an offer for $500K salary (bonuses and RSUs extra), then consider moving.
This is a good one, will try for myself :D
by LiveSimple
Thu Aug 23, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: New York Rental - Lost Deposit due to Real Estate Agent
Replies: 29
Views: 2753

Re: New York Rental - Lost Deposit due to Real Estate Agent

Applicant may not take possession of the apartment until the Landlord accepts this application. First month's rent + one month security deposit are required. It may be paid by money order or certified check. A one month deposit is required to take a unit off the market for a future tenant. Once your...
by LiveSimple
Thu Aug 23, 2018 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: New York Rental - Lost Deposit due to Real Estate Agent
Replies: 29
Views: 2753

Re: New York Rental - Lost Deposit due to Real Estate Agent

I lived in NYC for many years, and my wife was a broker with a large firm. Something about this doesn't make sense.....who is the other room mate? I've only ever heard of using a broker to find a whole apartment. I've never heard of using a broker to find a room within an apartment, or a broker bri...
by LiveSimple
Thu Aug 23, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: New York Rental - Lost Deposit due to Real Estate Agent
Replies: 29
Views: 2753

Re: New York Rental - Lost Deposit due to Real Estate Agent

Lots of extra information in the post. I'm assuming by "New York" you mean "New York City," since that is where the main campus of Columbia University is located. Sounds like the broker/agent could be behaving contrary to requirements. More pertinent information is needed. Can you answer these ques...
by LiveSimple
Thu Aug 23, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: New York Rental - Lost Deposit due to Real Estate Agent
Replies: 29
Views: 2753

Re: New York Rental - Lost Deposit due to Real Estate Agent

Nowizard wrote:
Thu Aug 23, 2018 11:25 am
but the major issue will be the clause indicating the conditions under which the deposit would be forfeited.
Tim
There is no written clause, that is the issue.
by LiveSimple
Thu Aug 23, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: New York Rental - Lost Deposit due to Real Estate Agent
Replies: 29
Views: 2753

New York Rental - Lost Deposit due to Real Estate Agent

As our daughter starts graduate program this fall, in Columbia University, New York, was looking for apartments / individual room in an apartments near the campus. As the school do not offer on campus housing, we were forced to look outside. We worked with a real estate agent and she showed many apa...
by LiveSimple
Wed Aug 22, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions for a Generous Grandparent?
Replies: 53
Views: 4419

Re: Suggestions for a Generous Grandparent?

Same amount to each grand child, is fair.
by LiveSimple
Sat Aug 18, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: physics/math major looking for programmer/analyst job?
Replies: 89
Views: 5923

Re: physics/math major looking for programmer/analyst job?

Please try the IT jobs in the corporate. https://www.indeed.com/jobs?q=python+developer&l=NYC%2C+NY https://www.indeed.com/jobs?q=python+developer&l=CA Use indeed.com for searching for the filed you want and for the geographical location. These jobs at corporate requires only the programming or admi...
by LiveSimple
Fri Aug 17, 2018 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: physics/math major looking for programmer/analyst job?
Replies: 89
Views: 5923

Re: physics/math major looking for programmer/analyst job?

We recently hired a math/stats major in our IT dept. The new hire was great at Excel/Pivot tables etc, and is learning Power BI, SQL, and some SSIS, SSAS. IMO big data is where it's at. You need excellent Excel skills, (it's use as a front end), Python is great, some R is all good. Also Power BI/Ta...
by LiveSimple
Fri Aug 17, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Quant / Financial Technology Job Opportunities / companies in New York City
Replies: 31
Views: 2224

Re: Quant / Financial Technology Job Opportunities / companies in New York City

TomatoTomahto wrote:
Fri Aug 17, 2018 8:03 am
For extra oomph, I'd instead suggest getting good at poker and/or chess (especially bughouse chess).
Yes, the student plays chess, was a competitive chess player, now plays for fun, including bug house chess / Blitz.
by LiveSimple
Fri Aug 17, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Quant / Financial Technology Job Opportunities / companies in New York City
Replies: 31
Views: 2224

Re: Quant / Financial Technology Job Opportunities / companies in New York City

Grt2bOutdoors wrote:
Fri Aug 17, 2018 6:46 am
Not nyc, but Long Island - renaissance technologies.
Sure, will add to the list, but the primary goal is to stay and experience NYC, without much commute to work, job is to sustain the stay in NYC.
by LiveSimple
Fri Aug 17, 2018 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Quant / Financial Technology Job Opportunities / companies in New York City
Replies: 31
Views: 2224

Re: Quant / Financial Technology Job Opportunities / companies in New York City

carguyny wrote:
Fri Aug 17, 2018 7:06 am
Best advice would be for him to start algo trading now and show a great track record of success. You need to stand out, show you've got what it takes.
Uhmmm really. :?: These folks are numbers, modelling, probability and theoretical folks, will see/
by LiveSimple
Thu Aug 16, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Quant / Financial Technology Job Opportunities / companies in New York City
Replies: 31
Views: 2224

Re: Quant / Financial Technology Job Opportunities / companies in New York City

AlphaLess wrote:
Thu Aug 16, 2018 10:26 pm
Real Financial Tech (that have thriving offices in New York City):
Jump Trading
Virtu Financial
XTX Markets
Hudson Trading
Tower Research Capital
Thanks will make note of these companies.
by LiveSimple
Thu Aug 16, 2018 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Quant / Financial Technology Job Opportunities / companies in New York City
Replies: 31
Views: 2224

Re: Quant / Financial Technology Job Opportunities / companies in New York City

Yes we are interested in fin tech, then I added the quant as well.
Mostly the emerging technology sipuch as machine learning and models
by LiveSimple
Thu Aug 16, 2018 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Quant / Financial Technology Job Opportunities / companies in New York City
Replies: 31
Views: 2224

Re: Quant / Financial Technology Job Opportunities / companies in New York City

Sure helpful, will make note on Jane Street and two sigma

Others in the mind are

DE Shaw
Goldman Sachs
AQR
Bridgewater