Search found 1012 matches

by LiveSimple
Mon Jul 16, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Where to get a $100 bill?
Replies: 49
Views: 4865

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: 12406

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: 38
Views: 4339

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: 341
Views: 10297

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: 7755

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: 1977

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: 5392

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: 4465

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.
by LiveSimple
Thu May 31, 2018 2:54 am
Forum: Investing - Help with Personal Investments
Topic: Advice for bad advice
Replies: 14
Views: 1898

Re: Advice for bad advice

A couple of option, I do see
  • Sell all stocks, close the account and reinvest in mutual funds
    Transfer in kind, close the account
by LiveSimple
Sun May 27, 2018 2:28 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America ATM card not working internationally
Replies: 38
Views: 2570

Re: Bank of America ATM card not working internationally

Used the Fidelity debit card, without any issues. ATM fees are reimbursed.
by LiveSimple
Thu May 17, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Urgent: escrow situation in bay area
Replies: 50
Views: 3048

Re: Urgent: escrow situation in bay area

You put the deposit and n line to buy the house, just buy and never look back. Overall the appreciation in Bay Area is much better than other areas. In twenty years if you have the job in Bay Area, you will thank for the RE appreciation. Anyways no one knows what the future is in store, but progress...
by LiveSimple
Thu May 17, 2018 8:22 am
Forum: Personal Finance (Not Investing)
Topic: How to find a realtor after relocating
Replies: 7
Views: 678

Re: How to find a realtor after relocating

Try Zillow, then it lists some agents, call and speak to them. Invite them to meet face to face, Then make a decision, if you want to do business with them.

Any listing agent, can also work for you as a buyer's agent, interact and find, if you feel comfortable.
by LiveSimple
Mon Apr 30, 2018 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 18355

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

Lease papers were signed so just ignore the dealer.
What the dealer can do ?

Tell the dealer, the lease payment is in the mail, next month.
by LiveSimple
Sun Apr 15, 2018 10:11 am
Forum: Investing - Help with Personal Investments
Topic: "guaranteed" 6% return vs index fund investing
Replies: 30
Views: 3033

Re: "guaranteed" 6% return vs index fund investing

Ask the question as “which is better, invest in
Diversified, federally governed public mutual index funds or in a private business, with a garantee to pay 6% ?”

Based on your involment the answer may vary ?

For me public mutual fund ? Unless the business owners are me and my wife.
by LiveSimple
Wed Apr 11, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Spain in May end
Replies: 32
Views: 2020

Spain in May end

Any ideas for a week in Spain ( May last week)

Where to fly in and from where to fly out

What cities to cover

By train ?

Will Air BNB work better than hotel ?

Can we do Amsterdam and Spain in a week ( 9 days ) ? As Amsterdam may be the hub for transfer.
by LiveSimple
Wed Apr 11, 2018 8:47 am
Forum: Investing - Theory, News & General
Topic: Book recommendation for Millenial
Replies: 11
Views: 1111

Re: Book recommendation for Millenial

If You Can: How Millennials Can Get Rich Slowly Print Copy https://www.amazon.com/s/ref=nb_sb_ss_c_1_15/144-3400004-4627534?url=search-alias%3Daps&field-keywords=if+you+can+how+millennials+can+get+rich+slowly&sprefix=if+you+can+how+%2Caps%2C306&crid=1UBI4JPHIE5NH Free PDF download https://www.google...
by LiveSimple
Mon Apr 09, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: Travel to Costa Rica
Replies: 19
Views: 1975

Travel to Costa Rica

Travel to Costa Rica

Planning to see if Costa Rica is worth a trip, please can you help share, your vacation in Costa Rica

Where did you fly in ?
Where did you stay ?
How did you move around ?
What places did you travel ?
What is the best part of you vacation ?
What should we be careful about ?
by LiveSimple
Mon Apr 09, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Home inspection/negotiation question
Replies: 20
Views: 996

Re: Home inspection/negotiation question

You have your money and they have their home !!! Just enjoy to pay the fair price for the home, and enjoy. If you do not like, you can walk away, your call. Never plan to game the negotiation. Many moons, ago, we were in same boat, but went to purchase the home, with the known inspection findings, w...
by LiveSimple
Fri Apr 06, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage payoff questions
Replies: 12
Views: 2462

Re: Mortgage payoff questions

It does not matter, the mortgage will refund any differences based on when the money is received.
There is no free lunch.

Also yes the lender contacts the county and sets the records, but you can keep an eye to make sure you get that letter from the county.
by LiveSimple
Mon Apr 02, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Career Move: Please convince me why I should not work in tech
Replies: 74
Views: 8101

Re: Career Move: Please convince me why I should not work in tech

The skills you have data science + deep learning is very emerging and hence pays more. Also look at more corporate than to limit to science companies, these skills pay well overall in many states. https://www.indeed.com/q-Deep-Learning-Research-Scientist-jobs.html https://www.indeed.com/q-Deep-Learn...
by LiveSimple
Sat Mar 24, 2018 7:52 am
Forum: Personal Finance (Not Investing)
Topic: changing my signature when signing checks and credit card receipts
Replies: 47
Views: 3518

Re: changing my signature when signing checks and credit card receipts

All along on the electronic credit cards it is just my fist letter and then curved lines
by LiveSimple
Thu Mar 22, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Paying Points on Purchase Mortgage - Worth It?
Replies: 28
Views: 2553

Re: Paying Points on Purchase Mortgage - Worth It?

we refinanced multiple time, with zero costs, so paying points would not have helped.

If you have that money to pay for points, pay it to lower your mortgage loan amount. ( May not lower your monthly payment, but your payoff will be early)
by LiveSimple
Tue Mar 13, 2018 8:52 pm
Forum: Investing - Theory, News & General
Topic: Who's doing 100% international equity?
Replies: 79
Views: 9422

Re: Who's doing 100% international equity?

staythecourse wrote:
Tue Mar 13, 2018 6:00 pm
Comparing London the same as some frontier country is ABSURD. London and other developed counries (ex US developed) vs. U.S. have the same sovereign risk.
Agreed !!!
by LiveSimple
Tue Mar 13, 2018 6:35 pm
Forum: Investing - Theory, News & General
Topic: Who's doing 100% international equity?
Replies: 79
Views: 9422

Re: Who's doing 100% international equity?

I would be curious to hear any reason for going 100% international (i.e. 100% ex-US) other than a personal prediction (hunch, gamble, valuation-based forecast, macroeconomic prognostication). Agreed 100%. Then, of course, the same should be said of those in 100% U.S. :D Good luck. US is a more capi...
by LiveSimple
Fri Mar 02, 2018 5:22 am
Forum: Investing - Theory, News & General
Topic: AAPL, AMZN, or GOOG?
Replies: 77
Views: 7813

Re: AAPL, AMZN, or GOOG?

If OP, want a middle ground, see if you want to invest in sector funds.

VGT : Vanguard Information Technology or something similar
VCR : Vanguard Consumer Discretionary or something similar
by LiveSimple
Thu Mar 01, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for Career Change from HR Benefits to Analytic/STEM Role
Replies: 16
Views: 1717

Re: Advice for Career Change from HR Benefits to Analytic/STEM Role

Retrain in Business reporting and analytic, there are lots of job. May need to start a job at low paying and move up based on skills developed Look at data visualization using Tableau https://www.indeed.com/jobs?q=tableau+developer&l= Congnos https://www.indeed.com/jobs?q=cognos+developer&l= Python ...
by LiveSimple
Wed Feb 28, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Move to Orange County
Replies: 50
Views: 4342

Re: Move to Orange County

Welcome to the party, :sharebeer

I started a couple of threads, on the same topic
viewtopic.php?f=2&t=241062
viewtopic.php?f=11&t=242496

Having same thoughts as you, let us see, what we get in this thread :D
by LiveSimple
Sun Feb 25, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: I week in California, Road Trip Planning
Replies: 64
Views: 3890

Re: I week in California, Road Trip Planning

There are a number areas to live in California that are either less expensive or comparable. Start here: The 5 Most Affordable Cities in California 7 Affordable Cities in California (Where You’d Actually Want to Live) 8 Surprisingly Affordable Places to Live in California Wonderful links, some plac...
by LiveSimple
Sat Feb 24, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: I week in California, Road Trip Planning
Replies: 64
Views: 3890

Re: I week in California, Road Trip Planning

NorCalDad wrote:
Sat Feb 24, 2018 7:31 pm
if you're looking for a place to live on a reasonable amount of money, it would be well worth your time to spend one day here as research.
Yes, that is the reason.
by LiveSimple
Sat Feb 24, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: I week in California, Road Trip Planning
Replies: 64
Views: 3890

Re: I week in California, Road Trip Planning

+1 for the Danville/Alamo/Walnut Creek suburb area. Danville has a cute downtown and some delicious restaurants, which are not chains. Walnut Creek has nice outside downtown shopping and dining. If you choose to live in this area, you are about 3 hours to the Yosemite gate. We go there for the day ...
by LiveSimple
Fri Feb 23, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: I week in California, Road Trip Planning
Replies: 64
Views: 3890

Re: I week in California, Road Trip Planning

DrGoogle2017 wrote:
Fri Feb 23, 2018 6:25 pm
I would skip Thousand Oaks and Sacramento. They are very hot areas in the summer. You might not want to live there. Maybe add in some beach places in Orange County, it is known for beaches.
Doing the research, please can you help list a few cities.
by LiveSimple
Fri Feb 23, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: I week in California, Road Trip Planning
Replies: 64
Views: 3890

Re: I week in California, Road Trip Planning

OP, we took a trip up the coast of California for a week and it was amazing. One of my favorite vacations ever. I personally would focus on the coastal cities myself, but it depends on your tastes. LA is not a great tourist city in my opinion. Unfortunately, Highway 1 is closed just south of Big Su...
by LiveSimple
Fri Feb 23, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: I week in California, Road Trip Planning
Replies: 64
Views: 3890

Re: I week in California, Road Trip Planning

In San Diego the Wild Animal Park and SD Zoo are both awesome. La Jolla Shores is beautiful and reliably has world class sunsets. The Cabrillo National monument, particularly at low tide, is wonderful. Tour the USS Midway. Check out Old Town for Mexican food. The Torrey Pines Glider port is amazing...
by LiveSimple
Fri Feb 23, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: I week in California, Road Trip Planning
Replies: 64
Views: 3890

Re: I week in California, Road Trip Planning

In San Diego the Wild Animal Park and SD Zoo are both awesome. La Jolla Shores is beautiful and reliably has world class sunsets. The Cabrillo National monument, particularly at low tide, is wonderful. Tour the USS Midway. Check out Old Town for Mexican food. The Torrey Pines Glider port is amazing...
by LiveSimple
Fri Feb 23, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: I week in California, Road Trip Planning
Replies: 64
Views: 3890

Re: I week in California, Road Trip Planning

Santa Barbara is worth stopping at for either a few hours on the drive up from LA to SF or for an overnight stay. We've used airbnb, vrbo & homeaway countless times with success. They often have 2-3 nights minimums which may not work for your itinerary. Sounds like a busy trip. Hope you have fun. A...
by LiveSimple
Fri Feb 23, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: I week in California, Road Trip Planning
Replies: 64
Views: 3890

I week in California, Road Trip Planning

Planning to have a road trip covering California from San Diego to Sacramento, in March,we will have from Saturday to Sunday, a week. Just the two of us, husband and wife. Our goal is to experience the California, if we do want move in a few years. So how best we can do, looking for some suggestion ...
by LiveSimple
Fri Feb 23, 2018 1:35 am
Forum: Investing - Help with Personal Investments
Topic: Need $100,000 in 20 years. Help!
Replies: 52
Views: 6023

Re: Need $100,000 in 20 years. Help!

Why not get a job that pays more, may be in a related or different field.
by LiveSimple
Thu Feb 22, 2018 6:05 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 39366

Re: What UN-frugal thing do you do?

Amazon online purchases
Travel Vacations
Eating out in nice restaurants ( $25- $40, per person)
by LiveSimple
Wed Feb 21, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: When is Costco cash back coupon arriving?
Replies: 23
Views: 2769

Re: When is Costco cash back coupon arriving?

Got it weeks earlier and regularly.
by LiveSimple
Tue Feb 20, 2018 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: How do I unwind this Wealthfront mess?
Replies: 75
Views: 9844

Re: How do I unwind this Wealthfront mess?

Take a day off, or an afternoon off, sell all individual stocks, except may be FB, as it has appreciated much. Then invest in index fund, and call it a day. If you do not want the best price, you can always sell at market price or a few cents near market price. What are you seeking help for. You he...
by LiveSimple
Tue Feb 20, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: How do I unwind this Wealthfront mess?
Replies: 75
Views: 9844

Re: How do I unwind this Wealthfront mess?

Take a day off, or an afternoon off, sell all individual stocks, except may be FB, as it has appreciated much. Then invest in index fund, and call it a day. If you do not want the best price, you can always sell at market price or a few cents near market price. What are you seeking help for. You hel...
by LiveSimple
Sun Feb 18, 2018 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 7067

Re: Live / work in California - Technology Career

Finalized a trip to California, just to experience and have some vacation time. Wife and I will have a week / 9 days including the both weekends, in March. Our plan is to cover from San Diego to Sacramento. So need some advice on the planning or what to see or where to stay. This is different, as we...
by LiveSimple
Sun Feb 18, 2018 7:07 am
Forum: Investing - Theory, News & General
Topic: Chillin' in the BH Lounge
Replies: 46
Views: 5748

Re: Chillin' in the BH Lounge

How is this actionable?
So what, I am in, before the lock

How is this actionable?
This may be the executive summary of tid bit actions anyone can take
by LiveSimple
Sat Feb 17, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Is Enterprise Architecture worth building career upon?
Replies: 12
Views: 1162

Re: Is Enterprise Architecture worth building career upon?

EA role us business focus, so when you do 20% technical stuff, the other 80% is relationship build8nf and championing emerging technologies to enhance business. If you are using EA internal facing into the IT organization, you will become more obsolete, quickly. I know EA, calling themselves as busi...
by LiveSimple
Sat Feb 17, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 7067

Re: Live / work in California - Technology Career

FBN2014 wrote:
Sat Feb 17, 2018 7:07 am
Have you considered the Raleigh/Durham/Chapel Hill NC Triangle area. Low taxes, moderate climate, thriving tech industry. Area is consistently ranked in the top 5 for job growth in high tech. Area is on the shortlist for new Amazon HQ. Come on down y'all!
Sure will consider...
by LiveSimple
Sat Feb 17, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 5673

Re: Best plants to grow to save money for food costs

Thanks for the suggestions! Most plants grow in nature without any extra care, right? They get water if it rains, and none if it doesn't. No human ever touches the majority of plants and yet they survive. I guess I had a fantasy of just planting things and leaving them alone, for the most part, apa...
by LiveSimple
Sat Feb 17, 2018 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 7067

Re: Live / work in California - Technology Career

If you're coming to enjoy our largest (now legal) crop, you'll want to check out where the dispensaries are. Some cities (or their voters) have decided not to allow them, while others are trying to figure out how to regulate them and maintain public safety. (They are a cash business for now with we...