Search found 874 matches

by LiveSimple
Sun Nov 19, 2017 7:14 am
Forum: Investing - Theory, News & General
Topic: Invest using my State's college plan or Another?
Replies: 1
Views: 36

Re: Invest using my State's college plan or Another?

You will be invested for 20+ years, please go with the other state which has a lower cost, better index funds, ease of management and in any investment account company, to keep it in one place. We have 529 in Vanguard and Fidelity, with a out of state programs. Fidelity, NH plan -> https://www.fidel...
by LiveSimple
Mon Nov 13, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Separate Unlinked Vanguard Account
Replies: 7
Views: 518

Re: Separate Unlinked Vanguard Account

When you open an individual account, it will show only when you login
by LiveSimple
Tue Nov 07, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: Should I terminate my rental contract early and face a penalty of 8k?
Replies: 9
Views: 683

Re: Should I terminate my rental contract early and face a penalty of 8k?

Can you sub lease to a friend / some one, who do an apartment for less money as well, to regain some dollars.
by LiveSimple
Sun Nov 05, 2017 8:45 pm
Forum: Investing - Theory, News & General
Topic: Does Blackrock think it's all a game?
Replies: 33
Views: 4716

Re: Does Blackrock think it's all a game?

If we agree or not, like it or do not like it, gamification has traction today in the industry.
We hear that our corporate, learning systems are redesigned with "gamification" approach.

So nothing bad that Blackrock, state the same
by LiveSimple
Wed Nov 01, 2017 9:52 am
Forum: Investing - Theory, News & General
Topic: Fidelity / Vanguard app in mobile phones
Replies: 5
Views: 617

Re: Fidelity / Vanguard app in mobile phones

I have both on my phone. Not sure how to measure "safe" in context compared to what? Having your PC logged in via a browser to the same accounts? In other words, what is the concern just because the app is on your phone? We travel a lot outside of US. Just in case, we got into any troubles area, we...
by LiveSimple
Wed Nov 01, 2017 8:33 am
Forum: Investing - Theory, News & General
Topic: Fidelity / Vanguard app in mobile phones
Replies: 5
Views: 617

Fidelity / Vanguard app in mobile phones

How safe is to have the Fidelity / Vanguard app in mobile phones. Personally use only laptop, to login to our accounts. Just wanted to learn, if you are freely using the mobile apps to login to your retirement accounts. How safe ? what precautions do you take ? Is it even advisable to have mobile ap...
by LiveSimple
Tue Oct 31, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Invalid airline ticket, seeking reimbursement
Replies: 36
Views: 2964

Re: Invalid airline ticket, seeking reimbursement

Easy Peachy, just tell your credit card what happened and do not pay the credit charges, that you paid to Expedia. You may have paiD your CC, but still can refute. Somewhat not clear, not all the money used, was not unsed, you used portions of it. Also $3000, you paid may be more than you paid for t...
by LiveSimple
Tue Oct 31, 2017 5:43 am
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12062

Re: Request for Promotion letter to Senior Management

Good luck with the letter. In my office nothing happens in email, unless we see each other and talk first or call on the phone and discuss first and agree what can be achieved. Nowadays IM, instant messaging. Just emails, will be archived. This is for simple day to day tasks, reviews and approval. O...
by LiveSimple
Tue Oct 31, 2017 5:33 am
Forum: Personal Finance (Not Investing)
Topic: Bringing money from India to USA
Replies: 12
Views: 1217

Re: Bringing money from India to USA

No need to deposit money to your account, that is s not yours. They can use debit card as well for a few days in US. If IRS raises a query about the money that was deposited, how are you gong to answer and what are the documents, that support your claim, think this way, for yourself. Give some money...
by LiveSimple
Tue Oct 31, 2017 5:31 am
Forum: Personal Finance (Not Investing)
Topic: Bringing money from India to USA
Replies: 12
Views: 1217

Re: Bringing money from India to USA

No need to deposit money to your account, that is s not yours.
They can use debit card as well for a few days in US.

If IRS raises a query about the money that was deposited, how are you gong to answer and what are the documents, that support your claim, think this way, for yourself.
by LiveSimple
Sun Oct 29, 2017 7:28 pm
Forum: Investing - Theory, News & General
Topic: Boglehead 2017 Conference Photos
Replies: 13
Views: 1578

Re: Boglehead 2017 Conference Photos

Thanks LadyGeek and Mel,

Will watch and register for next year.

Hopefully I will be watching when the registration opens
by LiveSimple
Sun Oct 29, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: Boglehead 2017 Conference Photos
Replies: 13
Views: 1578

Re: Boglehead 2017 Conference Photos

Just an informational, for next year can I register me and a guest ( spouse) Does the guest do need to be a member here.
by LiveSimple
Fri Oct 27, 2017 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Who's got too much RE in India ??. Time to cash out??
Replies: 31
Views: 2934

Re: Who's got too much RE in India ??. Time to cash out??

toomuchRE wrote:
Wed Oct 25, 2017 6:57 am
No other way for me to turn that 300K into a 2 MM in 15- 20 years.
Still this is virtual money estimate / paper money, unless you can convert the RE to $$$, and $$$ are in your account, touch and feel the money.
by LiveSimple
Thu Oct 26, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12062

Re: Request for Promotion letter to Senior Management

Writing a letter, tells that you are not ready for the next level. This is a passive move. What of the director do not respond, what are your options. Better schedule a meeting and have a discussion. Even that do need to be informal, if you are not able to start a conversation informal, then you are...
by LiveSimple
Wed Oct 25, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: How to Start Tutoring Service
Replies: 12
Views: 939

Re: How to Start Tutoring Service

Focus on premed, chemistry. If she can tutor.

Chemistry seems to be the weeder class for medicine.
You may have a market, both local and online.
by LiveSimple
Sat Oct 14, 2017 4:00 am
Forum: Personal Consumer Issues
Topic: Citi Price Rewind iPhone 7 Did They Pay You?
Replies: 17
Views: 2331

Re: Citi Price Rewind iPhone 7 Did They Pay You?

I would write off and enjoy life. What you got was a medical necessity.
by LiveSimple
Thu Oct 12, 2017 1:57 am
Forum: Investing - Help with Personal Investments
Topic: $5.5K to invest - best strategy
Replies: 22
Views: 1661

Re: $5.5K to invest - best strategy

Seems like you make a lot of money.
Just invest in passive index funds, you will be better in a decade.

People lose money, when they are greedy to multiply the money more.
Slow and steady wins the race.

YMMW :sharebeer
by LiveSimple
Sun Oct 08, 2017 6:50 am
Forum: Investing - Help with Personal Investments
Topic: Small cap ETF, differernce between VB and IJR
Replies: 4
Views: 477

Small cap ETF, differernce between VB and IJR

Small cap ETF, differernce between VB and IJR VB - Vanguard Small-Cap ETF, uses CRSP US Small Cap Index, 0.06% expense ratio, 1439 stocks in the etf, 10 year return is 6.88%, IJR - iShares S&P Small-Cap 600 Value ETF, uses S&P SmallCap 600 Index, 0.07% expense ratio, 602 stocks in the etf, 10 year r...
by LiveSimple
Sat Oct 07, 2017 2:28 am
Forum: Investing - Help with Personal Investments
Topic: Third time in my 32 year career I have been laid off
Replies: 87
Views: 10244

Re: Third time in my 32 year career I have been laid off

If you are on the technical development side, learn an emerging technology and can consult for more compensation. Cloud enablement or data science will pay you well. If you are in Silicon Valley, you know the lay of the land, so can get another job. However as many have said, you can retire in a low...
by LiveSimple
Tue Oct 03, 2017 5:38 am
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEAD CONTEST -- Third Quarter Leaders
Replies: 13
Views: 1951

Re: 2017 BOGLEHEAD CONTEST -- Third Quarter Leaders

Ha ha made it on the left column, at #184
by LiveSimple
Mon Oct 02, 2017 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Would you take a pay cut to work from home?
Replies: 67
Views: 5509

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

I would not switch jobs, based on a promise to work from home. That may change any moment. Mostly work from home, is for "Perfomers" who can get the job done remotely, when the business process allows to work remote. Your better option, is to seek a job that pays 20% more and allows working remote f...
by LiveSimple
Fri Sep 22, 2017 6:11 am
Forum: Personal Consumer Issues
Topic: Foreign Currency Conversion Accepted, then Rejected
Replies: 14
Views: 922

Re: Foreign Currency Conversion Accepted, then Rejected

The local bank sends to the currency exchange broker, hence your local bank, will not know if the currency will be accepted or not. If it is a legit currency, then get the currency from the bank and go to a private currency exchange, they can tell you what is the issue. Mostly over time emerging cou...
by LiveSimple
Thu Sep 21, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: How does this two factor authentication work?
Replies: 9
Views: 768

Re: How does this two factor authentication work?

Basically the company in your case Charles Schawb will have in their computers what sequence of numbers will he displayed at what time, based on the serial number if the device they shipped. The easy way to think is both the sequence of numbers will match, one from your device and in the company's c...
by LiveSimple
Thu Sep 21, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: How does this two factor authentication work?
Replies: 9
Views: 768

Re: How does this two factor authentication work?

The RSA SecurID authentication mechanism consists of a "token" — either hardware (e.g. a USB dongle) or software (a soft token) — which is assigned to a computer user and which generates an authentication code at fixed intervals (usually 60 seconds) using a built-in clock and the card's factory-enco...
by LiveSimple
Thu Sep 21, 2017 1:15 am
Forum: Investing - Help with Personal Investments
Topic: Paying off primary mortgage
Replies: 24
Views: 2053

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: 1458

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: 1458

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: 2857

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: 5097

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: 5808

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: 1449

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: 49
Views: 3455

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: 7630

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: 14367

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: 1536

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: 1507

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: 1688

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: 1507

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: 3661

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: 6208

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: 17717

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: 9448

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: 1713

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: 1713

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: 1713

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: 2751

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: 1898

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: 3971

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...