Search found 1054 matches

by LiveSimple
Sun Sep 16, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: 38% pay cut for dream job?
Replies: 61
Views: 5127

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: 3590

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: 2654

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: 507

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: 3102

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: 3543

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: 919

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: 21666

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: 2654

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: 2654

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: 2654

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: 2654

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: 2654

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: 2654

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: 2654

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: 2654

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: 21666

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: 2654

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: 2654

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: 2654

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: 2654

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: 2654

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: 4353

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: 5589

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: 5589

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: 2152

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: 2152

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: 2152

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: 2152

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: 2152

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: 2152

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
by LiveSimple
Thu Aug 16, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Quant / Financial Technology Job Opportunities / companies in New York City
Replies: 31
Views: 2152

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

I have a planned meeting to meet and discuss with a young computer engineering graduate in the junior year, for his career options May graduate 2019 Summer. Mostly he wanted to work in the Financial Technology Companies and in New York. So if you are aware of these types of companies, please list. T...
by LiveSimple
Sun Aug 12, 2018 10:19 pm
Forum: Investing - Theory, News & General
Topic: AAPL, AMZN, or GOOG?
Replies: 95
Views: 10165

Re: AAPL, AMZN, or GOOG?

If you have to invest in these stocks, see sector ETFs such as technology and Discretionary, VGT and VCR.
by LiveSimple
Thu Aug 09, 2018 5:55 am
Forum: Personal Finance (Not Investing)
Topic: Biggest Threats to Financial Well-Being
Replies: 99
Views: 9448

Re: Biggest Threats to Financial Well-Being

Annual income twenty pounds, annual expenditure nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pound and six, result misery.

Not living below your means and not investing or greed.
by LiveSimple
Wed Aug 08, 2018 6:34 pm
Forum: Investing - Theory, News & General
Topic: Two voices in my head
Replies: 36
Views: 2894

Re: Two voices in my head

Do some research on slice and dice and select some appropriate percentages. Then tell yourself that you are going to stick to the plan for the next 3 or 4 decades and stick to your plan and rebalance, you will be rewarded. This plan is still conservative to the individual stock picking, so the plan ...
by LiveSimple
Mon Aug 06, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 15474

Re: Will you pay for your kids' college/graduate education?

Yes we are paying for graduate school for our daughter, starting this fall. However she had a full tuition based on merit scholarship, and supported her room and boarding as a RA. Parent costs to her undergrad was less than 5K to 10 K for all four years. As others have said the best inheritance to k...
by LiveSimple
Fri Aug 03, 2018 9:12 am
Forum: Investing - Theory, News & General
Topic: Good biotech funds
Replies: 22
Views: 1753

Re: Good biotech funds

Look at XBI as well at https://us.spdrs.com/en/etf/spdr-sp-biotech-etf-XBI
SPDR® S&P® Biotech ETF
by LiveSimple
Wed Aug 01, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest grandparents gift ?
Replies: 6
Views: 614

Re: Where to invest grandparents gift ?

My preference will be "add the sum to their respective 529"
by LiveSimple
Mon Jul 16, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Where to get a $100 bill?
Replies: 49
Views: 5320

Re: Where to get a $100 bill?

Walmart Customer Service, exchange your smaller bills for a $100
by LiveSimple
Mon Jul 16, 2018 5:51 am
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 107
Views: 13520

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

My password manager, and I assume most others, have a protected Notes area where you can store this information. The best thing is that you don't need to "tell the truth," for example, you can answer mother's maiden name as asdfg14148, as long as you can recreate the answer. Somewhere I read keep m...
by LiveSimple
Sun Jul 15, 2018 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Denied for an auto loan 2 weeks after purchase??
Replies: 39
Views: 5143

Re: Denied for an auto loan 2 weeks after purchase??

[quote="Cash is King" post_id=4020161 time=1531603598 user_id=127835 It sounds crazy but if one's application is turned down or conditioned the letter automatically goes out even if the loan ends up being approved. It's a Truth and Lending requirement. I think in your case the Fraud Alert caused the...
by LiveSimple
Thu Jul 12, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 17904

Re: COMING SOON: BOGLEHEADS PODCASTS

BOGLEHEADS way of Investing - Investing to gain your fair share of the market
by LiveSimple
Mon Jun 18, 2018 9:58 am
Forum: Investing - Help with Personal Investments
Topic: I feel like selling my 3 fund
Replies: 57
Views: 8075

Re: I feel like selling my 3 fund

You listed VBLTX as one of your holdings. That fund is Vanguard Long-Term Bond Index Fund. Did you by chance mean instead VBTLX... I have VBTLX - Vanguard Total Bond Market Index Fund Admiral Shares I have read Dr. Bernstein's "If You Can", and I will read "The Bogleheads' Guide to Investing" next....
by LiveSimple
Sun Jun 17, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Italy Trip Questions
Replies: 33
Views: 2115

Re: Italy Trip Questions

Seems like a Logical option to me.

Only thing is you may have to check out the checked in luggage, immigration and then rechecking the luggage and go through security scan.
Have sufficeint time in-between flights.
by LiveSimple
Sun Jun 17, 2018 6:45 am
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 59
Views: 5735

Re: What are your hobbies?

Gardening
Fishing
Cooking
by LiveSimple
Fri Jun 08, 2018 5:39 am
Forum: Personal Finance (Not Investing)
Topic: How much to budget for a week long vacation for 2?
Replies: 79
Views: 4748

Re: How much to budget for a week long vacation for 2?

Budget $2500 per person, per week. This is our budget for the last many years.