Search found 849 matches

by LiveSimple
Thu Sep 21, 2017 1:15 am
Forum: Investing - Help with Personal Investments
Topic: Paying off primary mortgage
Replies: 19
Views: 1124

Re: Paying off primary mortgage

Please walk into Fidelity or Charles schwab office, open an account and talk to them about index funds. You can open online within five minutes, but I assumed you do need some human interaction. Also refer the following. https://www.bogleheads.org/wiki/Fidelity https://www.bogleheads.org/wiki/Charle...
by LiveSimple
Mon Sep 18, 2017 4:22 am
Forum: Personal Consumer Issues
Topic: Software professional salary
Replies: 10
Views: 1380

Re: Software professional salary

Be happy you have a job, with some tradional skills. When you say functional consultant, you are tied to the business or business process of your current client. You n your current role will do the "lights on" type of role, call it Application support or subject matter expert. (AMS or SME ). Typical...
by LiveSimple
Sun Sep 17, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: Software professional salary
Replies: 10
Views: 1380

Re: Software professional salary

Seems like median is $120 K and maximum is $180 K

https://www.glassdoor.com/Job/jobs.htm? ... 8&jobType=
by LiveSimple
Tue Sep 12, 2017 1:08 am
Forum: Investing - Theory, News & General
Topic: Another New Investor (Market Timing)
Replies: 36
Views: 2365

Re: Another New Investor (Market Timing)

TheHouse7 wrote:
Mon Sep 11, 2017 9:04 pm
What if I have a strategy to earn 15% per year and then shift dramaticly to a more conservative AA.
Please come back the same day in 2020, and let us know how your strategy did work for you.
by LiveSimple
Thu Sep 07, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 4658

Re: how often does high ACT score == scholarship?

Merits scholarships will come, if you son chooses a low school for his credentials. Other need base scholarships will be based on your family circumstances. If you son wants an admission in a top school for his credentials, then there will be no $$$ Getting the admission itself is a bonus. Also the ...
by LiveSimple
Wed Sep 06, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: What is the main purpose of holding your current job?
Replies: 66
Views: 5349

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

I really like my job, I could do it for free, like a volunteer, but need $$$ for survival

Hence 1.5

Enjoy meeting people, bring change and the compensation.
by LiveSimple
Wed Sep 06, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: How to cut Garden Trellis?
Replies: 24
Views: 1277

Re: How to cut Garden Trellis?

Hacksaw, Hacksaw and Hacksaw, then cut from outer to inner, as needed. Chip, chip and chip.

https://www.amazon.com/Stanley-STHT2013 ... ds=hacksaw
by LiveSimple
Mon Sep 04, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: How to break into new field?
Replies: 48
Views: 2928

Re: How to break into new field?

Gym / Personal Trainer
Facilities Management
Restaurant / Hotel Management
Software Sales
Computer Programming, if you really want to retrain and like to work in computers
by LiveSimple
Fri Sep 01, 2017 5:55 am
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 123
Views: 6993

Re: Would you let your teenager spend all his savings on a gaming computer?

Difficult to answer one way or another.
Our son saved up money and wanted a gaming laptop, when in high school, we allowed him to buy.

Now in college, wanted a mac apple computer, to develop computer programs, this time we happily bought him, as he is in his way to a career.
by LiveSimple
Mon Aug 21, 2017 12:41 am
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 13301

Re: I own no international stocks. Can you guess why?

Mr.BB wrote:
Sun Aug 20, 2017 2:18 pm
Because you feel your U.S. equity positions have a large enough overseas influence that you don't need to specifically own any foreign holdings?
+ 1
by LiveSimple
Sun Aug 20, 2017 1:42 am
Forum: Personal Finance (Not Investing)
Topic: Use of VanguardAdvantage Visa Debit Card at Foreign ATMs for Cash Withdrawals
Replies: 13
Views: 1397

Re: Use of VanguardAdvantage Visa Debit Card at Foreign ATMs for Cash Withdrawals

Research to use Fidelity and Charles Schwab debit cards for foreign cash transactions. Those s seems better.

Capitalone credit cards seems better for credit card use.
by LiveSimple
Fri Aug 18, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Holding VTSAX / S&P 500 fund exclusively
Replies: 11
Views: 1417

Re: Holding VTSAX / S&P 500 fund exclusively

Holding cash is never a bad thing, IMO. Also, keeping $50K or $100K out of the market let's you invest that into a large apartment syndication earning a 10-12% annualized return with a 2-2.5X equity multiple on exit (~20% IRR), without worrying if you happen to be in upturn or downturn in the stock...
by LiveSimple
Thu Aug 17, 2017 7:43 am
Forum: Personal Consumer Issues
Topic: Best place to find jobs and how to know the pay/benefits before applying?
Replies: 22
Views: 1567

Re: Best place to find jobs and how to know the pay/benefits before applying?

Why would employers not post salary and benefits and waste time interviewing people that may not accept in the end? Do most people interview at multiple jobs and wait for all job offers before accepting or do they just accept the first one? I have a Bachelor's from top 10 university and looking for...
by LiveSimple
Thu Aug 17, 2017 3:14 am
Forum: Investing - Help with Personal Investments
Topic: Holding VTSAX / S&P 500 fund exclusively
Replies: 11
Views: 1417

Re: Holding VTSAX / S&P 500 fund exclusively

Just invest when you have the money, that may be weekly, monthly, or ad hoc.
The quantity of the $$$ invested counts, not the frequency of the investment.

Why keep $50,000 out of the market, when you could have invested in the market ?
by LiveSimple
Tue Aug 15, 2017 2:27 am
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 44
Views: 3353

Re: What kind of hotel do you get on business travel?

Westin, Marriott class of hotels.
Depends on your industry and company preferred hotel choices.
by LiveSimple
Wed Jul 26, 2017 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: GF Picking a college major
Replies: 105
Views: 5492

Re: GF Picking a college major

Unless you are determined to take of her, lifelong or work with her both professionally and family wise for a very long time, you should allow her to decide her education / career. Her parents had already paid for two years of tuition, so they have a stake in their daughter's life more than you, at ...
by LiveSimple
Tue Jul 25, 2017 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Costco Visa foreign transaction fee
Replies: 44
Views: 15744

Re: Costco Visa foreign transaction fee

Try to use the following cards for foreign transactions, with no added foreign transaction fees

Capital one credit cards
Bank of America travel rewards
Charles Schawb Debit card


Chech your card rules
by LiveSimple
Thu Jul 20, 2017 4:18 am
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 162
Views: 8682

Re: Can anyone convince me I need international stock in my portfolio?

There is no magical number in the assets allocation, it is about whether you can stick to the asset allocation numbers, thick and thin.

So, if you asset allocation to international is 0% so be it. Just hold on, do not increase that 0% to 25% after international did well.
by LiveSimple
Tue Jul 18, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: ATM card for overseas travel
Replies: 25
Views: 1626

Re: ATM card for overseas travel

techrover wrote:+1 for Fidelity Cash Mgmt Debit Card. No ATM fees and FX rates are very competitive.
Fidelity Cash Mgmt Debit Card, charges 1% foreign transaction fee.
by LiveSimple
Tue Jul 18, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: ATM card for overseas travel
Replies: 25
Views: 1626

Re: ATM card for overseas travel

sperry8 wrote:Schwab is my vote for primary (not backup). Best debit card going. Others include Capital One 360 and if you can qualify, HSBC Premier and CitiGold (possibly Citi Priority too).
Thanks sperry8.

Yes opened Schwab yesterday, waiting for the card to arrive.

Will look into the others, for backup.
by LiveSimple
Mon Jul 17, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: ATM card for overseas travel
Replies: 25
Views: 1626

Re: ATM card for overseas travel

Fidelity debit card, charges 1% of the international ATM withdrawal, as foreign transaction fees. However some time it is mentioned that Fidelity debit card has no foreign transaction fees. Please share your thoughts This is what I do see as of now. https://www.nerdwallet.com/blog/banking/debit-card...
by LiveSimple
Mon Jul 17, 2017 4:54 am
Forum: Personal Finance (Not Investing)
Topic: 18 year old first credit card recommendations
Replies: 44
Views: 2450

Re: 18 year old first credit card recommendations

Capitalone and CitiBank credit cards, worked well for us.
Only those two banks issued credit card, with the limited income / credit history.

After a year or so, moved to chase credit card, as well.
by LiveSimple
Sat Jul 15, 2017 5:16 pm
Forum: Investing - Theory, News & General
Topic: Can American Funds be worth the load?
Replies: 15
Views: 1660

Re: Can American Funds be worth the load?

Please check if the American Funds had the same risk as the SP500 fund index.

Also in investing, the cost not paid is a savings (returns )
by LiveSimple
Fri Jul 14, 2017 7:41 am
Forum: Investing - Theory, News & General
Topic: Buckley will succeed McNab as Vanguard CEO at year end
Replies: 32
Views: 3812

Investors Shouldn't Sweat Vanguard CEO Transition

[merged LiveSimple's post into this existing thread - moderator prudent] Just a note on Vanguard CEO succession on Jan. 1, 2018 Seems like Mr Buckley, was overseeing technology, so there may be some changes in the technology area. http://news.morningstar.com/Cover/videoCenter.aspx?id=815774 Vanguar...
by LiveSimple
Thu Jul 13, 2017 5:29 am
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 10222

Re: Do you count vehicle equity in net worth?

It depends on the percentage of your vehicle value to the other asset value.

And to what level of detail, you want to go.

Better to leave it and progress.... less the net worth, you spend less and have a motivation to increase your net worth.
No need to have a false sense of higher net worth.
by LiveSimple
Wed Jul 12, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 7482

Re: Do you consider business travel to be a perk or a burden?

I like it based on the travel if it is sporadic, such as once in three months for a few days.
Sometime, a relief from the normal grind.
by LiveSimple
Tue Jul 11, 2017 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: So I found an ETF with an over-9% expense ratio...
Replies: 11
Views: 1049

Re: So I found an ETF with an over-9% expense ratio...

Dealing with Business development companies.

Sailing there are all these company yachts !!!

By the way, how do you land on this "Gold Mine" :oops:
by LiveSimple
Sun Jul 09, 2017 5:55 am
Forum: Personal Finance (Not Investing)
Topic: Buy recreational land or used car?
Replies: 7
Views: 709

Re: Buy recreational land or used car?

Buy the car and use most often. ( daily )
by LiveSimple
Sat Jun 24, 2017 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: How does Fidelity makes money, if I own all Vanguard funds or ETFs
Replies: 56
Views: 4816

Re: How does Fidelity makes money, if I own all Vanguard funds or ETFs

Thanks a lot. I got the answers I was looking for, seems like they lend the securities and make money and use the assets for their calculations to show their assets under management. Why Fidelity, we are between Vangaurd and Fidelity, due to work 401 K reasons and rolled them into IRA, also easy to ...
by LiveSimple
Sat Jun 24, 2017 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: How does Fidelity makes money, if I own all Vanguard funds or ETFs
Replies: 56
Views: 4816

How does Fidelity makes money, if I own all Vanguard funds or ETFs

(Yes feeling lazy to google :oops: or easy to type or helps others as well )

if I have Fidelity account, how does, Fidelity, makes money when I hold all Vanguard funds and ETFs, in a buy and hold fashion, with minimal transaction fees.
by LiveSimple
Thu Jun 22, 2017 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: House Closing is Tomorrow! Here are the Closing fees .... am I being ripped off?
Replies: 22
Views: 2564

Re: House Closing is Tomorrow! Here are the Closing fees .... am I being ripped off?

Congratulations

Seems logical or reasonable to me. Yes there are somethings that looks odd but not outrageous.
It depends on the locality as well.


Look at it this way, you are paying 3% of your home price. Be done with it and enjoy your home !!!
by LiveSimple
Mon Jun 19, 2017 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 5761

Re: Negotiating a House Using Seller's Agent (opinions wanted)

Just make your assessment on the price to pay, add $15,000 ( On $300 - $400 K homes ) then make the offer and move on. Make 5% more than, what you think the home is worth and put the offer. As a buyer you want the lowest possible price, as the seller, they want the highest possible price, so that +5...
by LiveSimple
Wed Jun 07, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Should I accept this special work assignment (more pay)?
Replies: 11
Views: 1074

Re: Should I accept this special work assignment (more pay)?

Seems like your management is good. What if they expect you to complete the assignment, within your regular compensation. At your age, I will delightfully accept, as you will learn from this and there will be synergies or benefit from that. Many moons ago, did something like this for 6 months and wa...
by LiveSimple
Wed May 17, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: What are the powers of HR in a company?
Replies: 40
Views: 3626

Re: What are the powers of HR in a company?

Since it is overseas domiciled company, do not expect the same office / professional ethics in this company. Unless if you (your wife) is not strong, as well as the US hiring manager is not strong, life in these companies will be less optimal. Unless other opportunities do not exists, or this offer ...
by LiveSimple
Wed May 17, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: What are the powers of HR in a company?
Replies: 40
Views: 3626

Re: What are the powers of HR in a company?

Depends on the company too.

Is it a US domiciled company or overseas domiciled company.

If overseas domiciled company, then overseas HR manager can have a say based on costs.
by LiveSimple
Wed May 10, 2017 6:04 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Tracking Tools
Replies: 41
Views: 3942

Re: Portfolio Tracking Tools

After looking for an online tool and found nothing. Wrote my own tool, wrote a program that takes the mutual fund or ETF ticker and he quantity in a spreadsheet. This week s the input of the portfolio. Connects to internet get the current price and dies the calculations and writes the total value an...
by LiveSimple
Wed May 10, 2017 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Dealership rejecting rebate after contract signed
Replies: 118
Views: 15567

Re: Dealership rejecting rebate after contract signed

You got a lousy dealership for sure.

Again as I said earlier put miles in the car, not sure how the dealership will sell that car as a new vehicle, if you put 1000 miles. Even anything above a few hundred miles.
by LiveSimple
Sat May 06, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay my entire credit card balance if I have 0% APR?
Replies: 4
Views: 449

Re: Should I pay my entire credit card balance if I have 0% APR?

Just pay your bills. Unless you are very strong behaviourly, not paying will lead to other behavioral problems.

Keep it simple.

Used to use zero interest credit cards, now no.
by LiveSimple
Sat May 06, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Southeast Asia for a week, in August first week
Replies: 24
Views: 1284

Re: Southeast Asia for a week, in August first week

climber2020 wrote:I've been to Southeast Asia multiple times. My favorites countries in that region are Vietnam and Laos. Are those two countries possibilities as well?

With only one week, I'd probably stick to a single country.


Yes Laos was in the radar.

How good is Laos ?
by LiveSimple
Sat May 06, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Southeast Asia for a week, in August first week
Replies: 24
Views: 1284

Re: Southeast Asia for a week, in August first week

Did not research yet, Malaysia and Indonesia are safe countries to travel ?
by LiveSimple
Sat May 06, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Southeast Asia for a week, in August first week
Replies: 24
Views: 1284

Re: Southeast Asia for a week, in August first week

OP, 1) Is it one week per country or one week for the whole trip? 2) I would add Malaysia and Vietnam to the list. 3) What are you looking for? Culture, scenery, old building/temple and so on? 4) I would assume that Cambodia is on the list because of Angkor Wat m KlangFool Total of one week or 7 ni...
by LiveSimple
Sat May 06, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Southeast Asia for a week, in August first week
Replies: 24
Views: 1284

Re: Southeast Asia for a week, in August first week

Sure, plans changed, staying home. Sitting tight !!! LoL

Still learning on SouthEast Asia countries, Tourism !!!

So keep coming ...
by LiveSimple
Sat May 06, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: Southeast Asia for a week, in August first week
Replies: 24
Views: 1284

Southeast Asia for a week, in August first week

Planning for a family trip to Southeast Asia, family of four, with two college going kids. Will be in Asia, this summer, hence planning for a week of vacation in some Southeast Asia. Which countries are safe and good for travel. Singapore Java Sumatra Cambodia Thailand Jakarta What to consider ? Wha...
by LiveSimple
Fri May 05, 2017 5:43 am
Forum: Personal Finance (Not Investing)
Topic: Most Common Financial Mistakes
Replies: 108
Views: 14971

Re: Most Common Financial Mistakes

Buying into far too many different funds in an attempt to "diversify". I found an old Excel file from when I first started contributing to my 401(k). My contributions went to: 25% Dodge & Cox Stock Fund 25% Spartan US Equity Index FFund 20% Fidelity Blue Chip Growth 10% American Funds...
by LiveSimple
Fri May 05, 2017 4:38 am
Forum: Personal Finance (Not Investing)
Topic: Medallion Signature for Vanguard Trust
Replies: 29
Views: 2615

Re: Medallion Signature for Vanguard Trust

Time to open an Fidelity account as a second account. You can walk into a local Fidelity branch.
Just have taxable with Fidelity. So you have somewhere local to go, in these types of scenario.
by LiveSimple
Fri Apr 21, 2017 7:43 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 41078

Re: Larry Swedroe says "Goodby."

Thanks Larry for all the books, you have written. I have read most of your books, easy and simple to make decisions, based on your insights.