Search found 1025 matches

by anoop
Thu Nov 14, 2019 3:45 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1904
Views: 198725

Re: U.S. stocks continue to soar!

Inflation is trending above the fed's target https://www.calculatedriskblog.com/2019/11/cleveland-fed-key-measures-show.html Yet the fed is lowering rates. Perhaps they will raise the inflation target. https://www.marketwatch.com/story/powell-opposes-idea-of-raising-2-inflation-target-to-4-saying-he...
by anoop
Sat Nov 09, 2019 10:39 am
Forum: Personal Consumer Issues
Topic: CPO BMW 5 Series
Replies: 17
Views: 1340

Re: CPO BMW 5 Series

I'm not familiar with dealer buyback. Is it the same as a manufacturer buyback? Where the original customer felt something was wrong with the car. Exactly I went through such a buyback and the guy doing the paperwork (not from the dealership) told me these cars typically end up auctioned and export...
by anoop
Sat Nov 09, 2019 3:34 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4141
Views: 793075

Re: What's Your Credit Card Rewards Strategy?

I got a targeted offer from Chase Ink business offering $2,000 cash back for spending $50k within 6 months of account opening. Best CC cash back deal I’ve ever seen. Anyone else get this? This sounds like a shrewd strategy on the part of the credit card company to learn about the spending habits of...
by anoop
Sat Nov 09, 2019 2:45 am
Forum: Personal Investments
Topic: Is Deferred Compensation Program Risky?
Replies: 19
Views: 2085

Re: Is Deferred Compensation Program Risky?

Stinky wrote:
Thu Nov 07, 2019 4:44 pm
I'd definitely lighten up on company stock if I were you. A lot.
Tell that to Gates, Bezos, and Zuckerberg!
by anoop
Sat Nov 09, 2019 2:16 am
Forum: Personal Consumer Issues
Topic: CPO BMW 5 Series
Replies: 17
Views: 1340

Re: CPO BMW 5 Series

I was a big BMW fan till they put in electrical steerings. I probably won't ever own another one, because with the steering feel gone, the value is just not there. The price does seem too good to be true. It is lower than the residual from a lease return, typically around 55-60% of MSRP. Even if the...
by anoop
Sat Nov 09, 2019 1:45 am
Forum: Personal Finance (Not Investing)
Topic: shocking hospital fee estimate
Replies: 45
Views: 3964

Re: shocking hospital fee estimate

3. Who cares what they bill? Not your problem. You bought insurance like you were supposed to. Totally disagree with this. 2 issues: - It is this very attitude why we pay so much for healthcare and there is ZERO price transparency. - If, for any reason whatsoever, insurance doesn't pay, patient wil...
by anoop
Sat Nov 09, 2019 1:38 am
Forum: Personal Finance (Not Investing)
Topic: shocking hospital fee estimate
Replies: 45
Views: 3964

Re: shocking hospital fee estimate

If I’m understanding your post, your total out-of-pocket for everything, will be $3000 maximum. You were thinking it might have been $2000 +10% of the professional bills. You are confident with the surgeon, and presumably he/she is confident with the hospital. That is to say, you have done due dili...
by anoop
Sat Nov 09, 2019 1:07 am
Forum: Personal Investments
Topic: Suggestions for cash or cash equivalent positions?
Replies: 21
Views: 1275

Re: Suggestions for cash or cash equivalent positions?

Hi BHs, Can anyone suggest best places to park $20-30k "cash" for an emergency fund? My wife and I have been sitting on this much in a Schwab savings account, which earns essentially nothing (0.23%). We could be doing better in other vehicles, but I have no experience with CDs and MMs. I understand...
by anoop
Tue Nov 05, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: Electric shavers - foil vs rotary
Replies: 24
Views: 1906

Re: Electric shavers - foil vs rotary

I shave daily with safety razor which I like better than cartridge. It is cheaper and feels better. However, it is harder to shave under the nose and chin area without cutting myself. After I shave, I then use a electric shaver(foil type) to quickly shave those areas and on top of my ears (hair gro...
by anoop
Mon Nov 04, 2019 12:20 pm
Forum: Investing - Theory, News & General
Topic: When DID the stock market recover from 1929?
Replies: 52
Views: 5008

Re: When DID the stock market recover from 1929?

I think if I had been alive in 1929 I would have DCA'd throughout the downturn. :wink: When would I have broken even in that case? :wink: But wait, I might have lost my job and my house and not have had anything to invest. If fact, I may have had to cash out at the bottom to feed myself. Hmm. Retro...
by anoop
Mon Nov 04, 2019 11:45 am
Forum: Investing - Theory, News & General
Topic: When DID the stock market recover from 1929?
Replies: 52
Views: 5008

Re: When DID the stock market recover from 1929?

Historical comparisons are pointless because we are in a very different era now. Central banks are much more in control of the market, and the market is much less reflective of what is happening in the economy. Given stocks are at an all time high, the economy should be booming, but it is far from.
by anoop
Mon Nov 04, 2019 10:41 am
Forum: Personal Consumer Issues
Topic: Wallets [Do you carry a wallet?]
Replies: 102
Views: 8157

Re: Wallets [Do you carry a wallet?]

This is what I have
https://www.bigskinny.net/multi-pocket.html
It has allowed me to slowly reduce what I carry. It is flexible enough to hold 20+ cards + cash. When I started I had a lot of cards, but I'm now down to just 6 -- ATM, credit, license, health insurance, drug plan, and AAA cards.
by anoop
Mon Nov 04, 2019 2:29 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1904
Views: 198725

Re: U.S. stocks continue to soar!

I'm again making too much money; that makes me nervous. :shock: Has the exuberance become irrational? I haven't been paying attention. Last time Greenspan said "irrational exuberance" didn't it take a couple of years to kill the goose that was laying golden eggs? Took more than 3 years. The quote w...
by anoop
Sun Nov 03, 2019 10:44 pm
Forum: Personal Consumer Issues
Topic: Time for a new car - Corolla or Civic...
Replies: 101
Views: 9774

Re: Time for a new car - Corolla or Civic...

I did a lot more research into the new 8-speed transmission used by the Camry, and I've seen some advice saying that the transmission has to be "trained". Has anyone heard of something like this? Modern engines don't require the same process of seating metal components together as old engines did. ...
by anoop
Fri Nov 01, 2019 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10579

Re: Apple Pay. Does anyone use it?

I use Apple Pay all the time. I thought everyone did. Are there people here who don't use it? I don't. I avoid installing financial apps on the phone, it's like putting all the eggs in one bucket. :sharebeer You don't have to install an app to use Apple Pay. Apple Wallet is a standard app that is p...
by anoop
Fri Nov 01, 2019 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10579

Re: Apple Pay. Does anyone use it?

H-Town wrote:
Fri Nov 01, 2019 5:49 pm
Jags4186 wrote:
Fri Nov 01, 2019 4:50 pm
Since I get 4.5% cash back with a real credit card using Apple Pay I try to use it all the time. I laugh when I see people all excited about getting 2% with Apple credit card.
Do tell more. 4.5%?
https://lmgtfy.com/?q=4.5%25+cash+back+ ... le+pay&s=g
by anoop
Thu Oct 31, 2019 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10579

Re: Apple Pay. Does anyone use it?

I use both Apple Pay and Google Pay (depending on which phone I have). Like others have mentioned, Kroger and Walmart do not take them but I assume if enough people use Apple/Google they will cave. It would be great if everyone took them as it would that I would no longer need to keep any credits c...
by anoop
Thu Oct 31, 2019 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10579

Re: Apple Pay. Does anyone use it?

I use both Apple Pay and Google Pay (depending on which phone I have). Like others have mentioned, Kroger and Walmart do not take them but I assume if enough people use Apple/Google they will cave. It would be great if everyone took them as it would that I would no longer need to keep any credits c...
by anoop
Thu Oct 31, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10579

Re: Apple Pay. Does anyone use it?

I use both Apple Pay and Google Pay (depending on which phone I have). Like others have mentioned, Kroger and Walmart do not take them but I assume if enough people use Apple/Google they will cave. It would be great if everyone took them as it would that I would no longer need to keep any credits c...
by anoop
Wed Oct 30, 2019 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10579

Re: Apple Pay. Does anyone use it?

Yes. In fact, my Amex Platinum is on the chopping block when I’m due for the annual fee as Apple Pay and its associated card are far better for my lifestyle and spending habits. I love it. That’s interesting since I do have a AE platinum card..hmmmm...thanks I figure by switching exclusively to the...
by anoop
Wed Oct 30, 2019 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10579

Re: Apple Pay. Does anyone use it?

Yes. In fact, my Amex Platinum is on the chopping block when I’m due for the annual fee as Apple Pay and its associated card are far better for my lifestyle and spending habits. I love it. That’s interesting since I do have a AE platinum card..hmmmm...thanks I figure by switching exclusively to the...
by anoop
Tue Oct 29, 2019 6:16 pm
Forum: Personal Consumer Issues
Topic: Time for a new car - Corolla or Civic...
Replies: 101
Views: 9774

Re: Time for a new car - Corolla or Civic...

Choosing between Corolla por Civic is like death by hanging or beheading. Still unpleasant. To me these cars are very poor value in terms of experience offered vs price. Yes, they might be more reliable, so one will drive them for a long and torturous time. Same goes for Camry and Accord. Have you ...
by anoop
Tue Oct 29, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: Time for a new car - Corolla or Civic...
Replies: 101
Views: 9774

Re: Time for a new car - Corolla or Civic...

Civic quality/reliability has declined the past 10 years. Corolla quality/reliability has not. Quality? :D Choosing between Corolla por Civic is like death by hanging or beheading. Still unpleasant. To me these cars are very poor value in terms of experience offered vs price. Yes, they might be mor...
by anoop
Mon Oct 28, 2019 2:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1904
Views: 198725

Re: U.S. stocks continue to soar!

No recession for next 12 months according to CR. https://www.calculatedriskblog.com/2019/10/my-slide-deck-2020-economic-forecast.html I think before we crash we have to progress from overvaluation to bubble (where there is rampant, mindless speculation by everybody). We are not there yet. If WeWork ...
by anoop
Sun Oct 27, 2019 2:59 am
Forum: Personal Finance (Not Investing)
Topic: Selling used car experience (dealer vs online vs in person)
Replies: 28
Views: 2822

Re: Selling used car experience (dealer vs online vs in person)

Both a friend of mine and me have sold cars to carmax. Their bid was better than dealer trade in and in my case, better than any offer I was able to get on craigslist. The process was super smooth and they take care of all the paperwork. You have 7 days from the time you get your quote (actually it ...
by anoop
Sat Oct 26, 2019 11:20 pm
Forum: Personal Consumer Issues
Topic: Time for a new car - Corolla or Civic...
Replies: 101
Views: 9774

Re: Time for a new car - Corolla or Civic...

This might be of interest, and exactly the kind of thing that I was thinking about: https://www.designnews.com/electronics-test/are-small-displacement-turbo-engines-reliable-long-term/210258542158513 Some honda engines are known for having an oil dilution problem: https://www.carcomplaints.com/news...
by anoop
Sat Oct 26, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: Time for a new car - Corolla or Civic...
Replies: 101
Views: 9774

Re: Time for a new car - Corolla or Civic. Now Accord or Camry

Test-drove a 2019 Civic LX. Just was not thrilled at all. Wife and I decided to forgo the Corolla as well, and step up a level in comfort and space. Test-drove a Accord LX. Then test-drove a Camry LE, and immediately test-drove an Accord LX again. My impressions: 1. The Accord was much more sportie...
by anoop
Mon Oct 21, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: Where can I find iphone deals/discounts?
Replies: 22
Views: 2232

Re: Where can I find iphone deals/discounts?

Apple refurbished and clearance products. These are limited run and change from time to time. Clearance products are brand new, but discontinued products. https://www.apple.com/shop/refurbished/clearance Refurb'ed products are, well, refurb'ed (i.e. not brand new). https://www.apple.com/shop/refurbi...
by anoop
Mon Oct 21, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 shaking up savings accounts
Replies: 34
Views: 11187

Re: Capital One 360 shaking up savings accounts

They should automatically convert existing accounts to the new one if it's a better option for the customer. I am not impressed with their constant account changes, forcing everyone to open new and close old accounts if they want the best rates/features :annoyed This is still better than Emigrant B...
by anoop
Thu Oct 10, 2019 10:17 pm
Forum: Personal Investments
Topic: Tbills, CD, high yield saving accounts?
Replies: 5
Views: 928

Re: Tbills, CD, high yield saving accounts?

Looks like the 1 year Tbills are around 1.7%. Seems a better option than my Barclays account at 1.9%. Not that much better, but it depends on your CA tax bracket. 52 week yields are now closer to 1.6%. marcus.com CDs are paying much better at 2.25% for 1 year. Personally, I do the T-bills but it's ...
by anoop
Thu Oct 10, 2019 4:24 pm
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 86
Views: 8896

Re: Fidelity to $0 Commissions

How times change! Technology has helped reduce over time, and now completely eliminate these fees. I have probably paid a few thousand dollars in stock trades over my life, starting with brokerages like TD Waterhouse, Quick & Reilly and then ending up at Fidelity where they used to be over $10 IIRC ...
by anoop
Thu Oct 10, 2019 3:06 am
Forum: Personal Investments
Topic: What should I do about employer / industry risk in tech?
Replies: 36
Views: 3174

Re: What should I do about employer / industry risk in tech?

@spae, you are spot on in your analysis with respect to jobs/compensation recovering after a bubble. Thanks also for a lot of compensation data. I kind of had an idea of what it was like, but you have put actual numbers to everything.
by anoop
Thu Oct 10, 2019 2:32 am
Forum: Personal Investments
Topic: Savings
Replies: 21
Views: 2098

Re: Savings

IMO a high-yield savings account or 52 week T bills would be good enough. Some gets eaten up by inflation, but that's the cost of safety. I'm mainly concerned with being able to take the money out if necessary but still provide the highest yield. So between a CD, savings account or treasury bill wh...
by anoop
Thu Oct 10, 2019 2:09 am
Forum: Personal Investments
Topic: Savings
Replies: 21
Views: 2098

Re: Savings

A.series I bond from the U.S. Treasury, which you can read more about at treasurydirect.gov. Very flexible, but mostly an inflation-protected government bond good for periods from 1 to 30 years. IMO a high-yield savings account or 52 week T bills would be good enough. Some gets eaten up by inflatio...
by anoop
Thu Oct 10, 2019 1:59 am
Forum: Personal Investments
Topic: Savings
Replies: 21
Views: 2098

Re: Savings

I'm sorry but what is an I Bond? Can you point me to any specific bonds that I should buy right now? A.series I bond from the U.S. Treasury, which you can read more about at treasurydirect.gov. Very flexible, but mostly an inflation-protected government bond good for periods from 1 to 30 years. IMO...
by anoop
Thu Oct 10, 2019 1:29 am
Forum: Personal Investments
Topic: Savings
Replies: 21
Views: 2098

Re: Savings

I'm sorry but what is an I Bond? Can you point me to any specific bonds that I should buy right now? A.series I bond from the U.S. Treasury, which you can read more about at treasurydirect.gov. Very flexible, but mostly an inflation-protected government bond good for periods from 1 to 30 years. IMO...
by anoop
Thu Oct 10, 2019 1:15 am
Forum: Personal Consumer Issues
Topic: Hotel mini bar - rude to use for own stuff
Replies: 42
Views: 6284

Re: Hotel mini bar - rude to use for own stuff

It's fine...as long as you leave a tip Huh? I agree it's fine. I also tip for room service. But why exactly are you tipping to use a fridge provided for your convenience? (I may have misinterpreted sarcasm, sorry of that's the case :sharebeer ) Yes, you missed the sarcasm. Just a quip on the rash o...
by anoop
Wed Oct 09, 2019 11:19 pm
Forum: Personal Consumer Issues
Topic: iPhone question - purchase
Replies: 13
Views: 1498

Re: iPhone question - purchase

My mom's phone has finally given out. I'd like to buy her an iPhone 8 plus. I noticed they are the same price on the Consumer Cellular site as they are on the Apple site. She has been using CC as her provider. Since they are the same price, does it matter whether I buy the phone from the manufactur...
by anoop
Tue Oct 08, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: Should I sell or keep my 5 year old depreciated Tesla
Replies: 89
Views: 7728

Re: Should I sell or keep my 5 year old depreciated Tesla

I doubt it. That 37k msrp honda sells for under 32. I haven't seen many places where you are paying almost 20% in tax/title/license... Personally i would keep the car. Why drive a honda given the minimal differences in costs. We are in agreement, that given the minimal differences in cost, they sho...
by anoop
Tue Oct 08, 2019 2:18 am
Forum: Personal Investments
Topic: Highly Compensated Employee & 401K limits
Replies: 41
Views: 4328

Re: Highly Compensated Employee & 401K limits

Does this work for megacorps and does it impact non deductible contributions?
by anoop
Tue Oct 08, 2019 1:38 am
Forum: Personal Consumer Issues
Topic: Router for Small Apartment
Replies: 18
Views: 1338

Re: Router for Small Apartment

Hi, I have a Netgear R7000 Nighthawk router I bought in 2015. Lately I've had a lot of issues with random dropouts (losing Skype for work connection or when doing a Google search it drops out). This seems to happen a couple of times or more on a daily basis and just gets annoying. I've spoke with C...
by anoop
Tue Oct 08, 2019 12:29 am
Forum: Personal Consumer Issues
Topic: Economics of upgrading to latest iPhone vs one generation behind
Replies: 36
Views: 2996

Re: Economics of upgrading to latest iPhone vs one generation behind

The math is simple. Assume a 4 year amortization schedule, given you have a 4 year old iPhone 6. I also assume you are upgrading even though the 6 works fine but you want to be on a supported iOS release. The 11 thus has an estimated 4 year usage and the Xr has a 3 year lifetime usage. $749/4 = $18...
by anoop
Tue Oct 08, 2019 12:22 am
Forum: Personal Consumer Issues
Topic: Should I sell or keep my 5 year old depreciated Tesla
Replies: 89
Views: 7728

Re: Should I sell or keep my 5 year old depreciated Tesla

whodidntante wrote:
Tue Oct 08, 2019 12:14 am
Track it. So fast. Win everything. :twisted:
Dunno about winning everything because I think Tesla will throttle back performance after a certain number of launches to save the battery (so it doesn't have foot a warranty repair).
by anoop
Mon Oct 07, 2019 11:59 pm
Forum: Personal Consumer Issues
Topic: Should I sell or keep my 5 year old depreciated Tesla
Replies: 89
Views: 7728

Re: Should I sell or keep my 5 year old depreciated Tesla

No one will mistake you for trendy with a 5 year old Tesla. If you want to switch to an Accord or similar to be less ostentatious I think you'd have to get a used one that is a couple of years old. Easiest solution is to just continue to drive the Tesla. Some "more mature" drivers are driving Corve...
by anoop
Mon Oct 07, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: On-Going Dishwasher Issues
Replies: 23
Views: 1713

Re: On-Going Dishwasher Issues

You could try contacting Bosch directly (assuming that is the one you're looking at). I got a lot of help/guidance from Liebherr when I was buying my fridge to make sure it would have enough space for ventilation. You could also try posting to appliance forum on houzz. https://www.houzz.com/discussi...
by anoop
Fri Oct 04, 2019 3:02 am
Forum: Personal Consumer Issues
Topic: Lightest weight backpack for laptop?
Replies: 37
Views: 2497

Re: Lightest weight backpack for laptop?

OP, what did you end up getting?
by anoop
Thu Oct 03, 2019 12:48 am
Forum: Investing - Theory, News & General
Topic: What do you think about $0 commission free trade
Replies: 30
Views: 2191

Re: What do you think about $0 commission free trade

This is only of interest to those that either do lots of trading or those that buy really small quantities of stock. Since I don't do either, this is not of interest to me. How so? You don't invest every month (or evey couple of weeks)? For those in the accumulation phase, having more options for z...
by anoop
Thu Oct 03, 2019 12:38 am
Forum: Investing - Theory, News & General
Topic: Index Funds Bubble? [Michael Burry article]
Replies: 242
Views: 27906

Re: Index Funds Bubble? [Michael Burry article]

She has a book to sell -- Non-consensus investing. https://finance.yahoo.com/video/ariel-investments-rupal-bhansali-passive-171912084.html Somewhat off topic (apologies), but this is another interesting story. https://www.marketwatch.com/story/meet-the-quiet-christian-money-manager-whos-comfortably-...
by anoop
Thu Oct 03, 2019 12:19 am
Forum: Personal Investments
Topic: I pulled out... How do I get back in?
Replies: 100
Views: 13370

Re: I pulled out... How do I get back in?

I pulled out in Feb 2008 and never got back in, so I can't help you. :)
by anoop
Thu Oct 03, 2019 12:15 am
Forum: Investing - Theory, News & General
Topic: What do you think about $0 commission free trade
Replies: 30
Views: 2191

Re: What do you think about $0 commission free trade

This is only of interest to those that either do lots of trading or those that buy really small quantities of stock. Since I don't do either, this is not of interest to me.