Search found 1669 matches

by anoop
Mon Sep 28, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: Vacuum for mostly hardwood floors...
Replies: 38
Views: 1813

Re: Vacuum for mostly hardwood floors...

Sebo or Miele.

I have a Sebo X4 Automatic that is over 10 years old and still works great.
by anoop
Mon Sep 28, 2020 11:12 am
Forum: Personal Consumer Issues
Topic: Talk me into buying a Tesla Model Y
Replies: 63
Views: 3779

Re: Talk me into buying a Tesla Model Y

My 2006 BMW is on its last leg. Our other car is a 2020 BMW, so we are thinking about Model Y as a second car. To be honest, we now have the means in retirement that we would like to experience a different kind of technology. We are not car enthusiasts, but are technology inclined. Please advise: 1...
by anoop
Mon Sep 28, 2020 11:08 am
Forum: Personal Consumer Issues
Topic: Talk me into buying a Tesla Model Y
Replies: 63
Views: 3779

Re: Talk me into buying a Tesla Model Y

vfinx wrote: Sat Sep 26, 2020 9:12 pm After a few miles of driving, I cut the test drive short, and canceled my order (lost the $100).
That's a bummer.
by anoop
Mon Sep 28, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: Talk me into buying a Tesla Model Y
Replies: 63
Views: 3779

Re: Talk me into buying a Tesla Model Y

My take is that the Y is a 3 with a third row of seats squeezed in. Do you need a third row of seats? If yes, go ahead and get a Y. If no, and you want a Tesla, why not just get a 3? No, they Y is actually a much bigger car and the 3rd row of seats isn't even available yet. The Y has a full hatch b...
by anoop
Sun Sep 27, 2020 11:51 pm
Forum: Personal Investments
Topic: Where to park 500K ?
Replies: 30
Views: 3905

Re: Where to park 500K ?

boxerbali wrote: Sat Sep 26, 2020 2:13 pm 7. Invest on SQ, TSLA, BABA , PINS ,GOOG, BK,FB, TWTR - 10K each only if market drops 10% or more. These individual stocks total should not exceed 100k
What is special about BK? It looks like an outlier in what is otherwise a set of tech growth.
by anoop
Sun Sep 27, 2020 11:37 pm
Forum: Forum Issues and Administration
Topic: Forum attains 100,000 members
Replies: 24
Views: 1905

Re: Forum attains 100,000 members

What can I say? I did my part. :mrgreen:
by anoop
Thu Sep 24, 2020 8:44 pm
Forum: Personal Consumer Issues
Topic: Internet trouble, specifically ZOOM
Replies: 31
Views: 1682

Re: Internet trouble, specifically ZOOM

Since Zoom is a peer-to-peer service, I suppose the bandwidth could increase based on how many other meeting attendees are viewing your video stream, but if it is also downscaling based on the size they are viewing your video, that should be minimal. Zoom is cloud-based, not P2P. https://blog.zoom....
by anoop
Thu Sep 24, 2020 1:12 am
Forum: Personal Finance (Not Investing)
Topic: How does brand new credit card get compromised?
Replies: 19
Views: 1778

Re: How does brand new credit card get compromised?

After a pretty long - for us, anyway - string of a couple years with no credit card compromises, Citi alerted us to some fraudulent charges last week. Card shut down, they sent us a new one, no big deal, pretty standard stuff. Yesterday I activated the new cards online. My wife used the card once t...
by anoop
Thu Sep 24, 2020 1:01 am
Forum: Personal Finance (Not Investing)
Topic: How does brand new credit card get compromised?
Replies: 19
Views: 1778

Re: How does brand new credit card get compromised?

My basic assumption is that Citi is the worst bank in the world, which makes what happens when I deal with them much easier to understand and accept. Is there such a thing as a bank which is not the worst? I had tried looking for a decent bank in my area on Yelp and found that they are equally bad.
by anoop
Thu Sep 24, 2020 12:59 am
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to deliberately underpay the IRS due to low interest rates?
Replies: 11
Views: 1450

Re: Does it make sense to deliberately underpay the IRS due to low interest rates?

I'm feeling lousy now. I only generated about $20K and sent in an estimated tax payment. I usually don't consider the money from stocks sold (usually RSUs for me) spendable or investable until taxes have been paid on it, which I'm only confident of after taxes for the year in which they were earned ...
by anoop
Thu Sep 24, 2020 12:42 am
Forum: Personal Investments
Topic: How Many Brokerage Companies Are Too Many?
Replies: 45
Views: 2799

Re: How Many Brokerage Companies Are Too Many?

2 is too many.
by anoop
Wed Sep 23, 2020 3:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20234
Views: 2762193

Re: U.S. stocks in free fall

newyorker wrote: Wed Sep 23, 2020 3:39 pm Today was a bloodbath
https://youtu.be/XfRf8Pt2QTs?t=189
by anoop
Wed Sep 23, 2020 3:33 pm
Forum: Personal Consumer Issues
Topic: Smoker next door
Replies: 79
Views: 4338

Re: Smoker next door

American building standards are very low , but that is not true only for apartments and condos. SFHs have very bad noise insulation. This problems is dealt with a brute force approach: put the noise source far away in a 3000sq ft house and put the house far away in the suburbs. We all know the cost...
by anoop
Wed Sep 23, 2020 3:25 pm
Forum: Personal Consumer Issues
Topic: Smoker next door
Replies: 79
Views: 4338

Re: Smoker next door

Concrete floors stop noise from above and below. It's unusual in the US unless the building is greater than 6 stories . Good to know. My ideal house would be a single floor condo, but it seems like to get decent insulation in a condo one would have to go really high end (which is usually in city ce...
by anoop
Wed Sep 23, 2020 2:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20234
Views: 2762193

Re: U.S. stocks in free fall

is this a good entry point?
by anoop
Wed Sep 23, 2020 2:20 pm
Forum: Personal Consumer Issues
Topic: A simpler car.
Replies: 176
Views: 10999

Re: A simpler car.

Since all car threads must talk about Tesla, I thought I'd bring it up before anyone else. :D Have you considered an electric car? Any electric car is going to be much simpler than any gas car. VW just announced the ID.4 at $40K before credits. https://www.vw.com/models/id4/section/colors/ https://w...
by anoop
Wed Sep 23, 2020 2:12 pm
Forum: Personal Consumer Issues
Topic: Smoker next door
Replies: 79
Views: 4338

Re: Smoker next door

Ask them politely to smoke somewhere else because you're allergic to tobacco smoke. If this doesn't work, bring it up with your HOA people and see what they suggest. If they can't do anything then move. We live in a bottom floor apartment. We have heel stompers above us we've been dealing with for ...
by anoop
Wed Sep 23, 2020 10:27 am
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 253
Views: 25104

Re: Tesla Model Y

As for the original point of “should I buy a Model Y or wait” you can always order one and refuse delivery if the car doesn’t meet your standards. You can also return it within 7 days, 1000 miles. https://www.tesla.com/support/tesla-return-policy?redirect=no I have seen some posts in other forums t...
by anoop
Tue Sep 22, 2020 6:43 pm
Forum: Personal Consumer Issues
Topic: Tesla battery day.
Replies: 69
Views: 5715

Re: Tesla battery day.

rich126 wrote: Tue Sep 22, 2020 6:39 pm So far the stock is dropping after hours. -6% so far. By tomorrow, who knows.
Is this a good entry point?
by anoop
Tue Sep 22, 2020 12:02 am
Forum: Personal Finance (Not Investing)
Topic: In-network provider refusing service if we use insurance
Replies: 122
Views: 6511

Re: In-network provider refusing service if we use insurance

I have had a doctor's office do something weird like this in the past. Instead of billing an urgent care visit as a regular urgent care visit, they billed it as a visit to see a specialist. When I questioned them about it, the front office person told me it's because the doctor has specialist-level ...
by anoop
Mon Sep 21, 2020 11:50 pm
Forum: Personal Consumer Issues
Topic: Why buy medical insurance ?
Replies: 113
Views: 7295

Re: Why buy medical insurance ?

Was reading another thread about in-network doctors refusing to honor the contract prices. Also facing layoff in my 50s (refusing to relo with employer and thinking FIRE instead). Given cost of Cobra and ACA without subsidy, thinking whether it makes sense to self-insure. Assume 2,000/mo unsubsidiz...
by anoop
Fri Sep 18, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: OLD papers [How do I dispose of old papers?]
Replies: 53
Views: 3954

Re: OLD papers

cleaning out files. How to dispose of old papers--8 years and more--when shredding/burning is not do-able. They have lots of id on them of course, :confused You could 1> Tear them up manually. 2> Take it to a place that offers a shredding service -- office depot, ups store, fedex kinkos, etc. Cost ...
by anoop
Fri Sep 18, 2020 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Condo rich vs house poor?
Replies: 56
Views: 5009

Re: Condo rich vs house poor?

slightly off topic but what exactly is it that you guys do to make $500k in income? LOL, I must be in the wrong field (Software Engineering) as a lot on this board list incomes in that range... :happy This is Lake Wobegon, everybody here is making $300k+. I've been accused of lying (multiple times)...
by anoop
Fri Sep 18, 2020 3:46 am
Forum: Personal Investments
Topic: saving for a house - where to put that money
Replies: 1
Views: 342

Re: saving for a house - where to put that money

This would be a great question for a reporter to ask Jerome Powell.

When I was in your situation, I had everything in high yield savings accounts. I bought in 2015 so I had seen several years of < 1% returns. I did a bit of interest rate chasing back then.
by anoop
Fri Sep 18, 2020 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Condo rich vs house poor?
Replies: 56
Views: 5009

Re: Condo rich vs house poor?

Thanks, all, for the super helpful insights and personal stories. I’m sure my partner and I will continue to have this discussion regularly but I’m going to at least try to get through COVID before doing anything rash. Renting a bigger place while the kids are home is a great idea and we can afford...
by anoop
Fri Sep 18, 2020 1:00 am
Forum: Personal Finance (Not Investing)
Topic: Condo rich vs house poor?
Replies: 56
Views: 5009

Re: Condo rich vs house poor?

Abe wrote: Thu Sep 17, 2020 10:50 am Where I live, if someone said a house cost 2 million dollars, people would look at you like you were crazy. It's a whole different world out there. :happy
Any chance you live in Atherton? :D
by anoop
Fri Sep 18, 2020 12:34 am
Forum: Personal Consumer Issues
Topic: when you say 'rent forever'
Replies: 28
Views: 4072

Re: when you say 'rent forever'

how to deal with those 'uncertainties' like needing to move on short notice do you structure a deal with the landlord? what's the ideal length? 2 years? 5 years? 6 months notice? Thank you. I rented for 22 years in different areas before buying. I sort of regret buying. It's a lot of work and I'm s...
by anoop
Thu Sep 17, 2020 2:12 am
Forum: Personal Investments
Topic: Thoughts on investing in Pre-IPO Companies?
Replies: 21
Views: 1521

Re: Thoughts on investing in Pre-IPO Companies?

Well, well well. Looks like my investment in Palantir may just pay off. :beer https://www.bloomberg.com/news/articles/2020-06-11/palantir-is-said-to-file-ipo-in-weeks-for-possible-fall-debut Bloomberg Palantir Technologies Inc., the secretive big-data firm, plans to file to go public in the coming ...
by anoop
Thu Sep 17, 2020 1:38 am
Forum: Investing - Theory, News & General
Topic: The Fed, Snowflake, and Stocks
Replies: 53
Views: 5794

Re: The Fed, Snowflake, and Stocks

I registered interest in the IPO with my brokerage but got an allocation of 0 shares. :( (They think very highly of my business.) But the party is just starting. Per the party organizer, the punch bowl is expected to be available until at least 2023. Since the party organizer has unlimited resources...
by anoop
Wed Sep 16, 2020 2:40 pm
Forum: Investing - Theory, News & General
Topic: Where's Warren Buffett During This Crisis?
Replies: 181
Views: 26010

Re: Where's Warren Buffett During This Crisis?

flaccidsteele wrote: Wed Sep 16, 2020 2:35 pm I can only imagine how Berkshire Hathaway will be run once Munger and Buffett are gone...

Warren Buffett's Berkshire Hathaway just made a fast $1 billion
Like a late stage VC!
by anoop
Wed Sep 16, 2020 11:57 am
Forum: Personal Investments
Topic: Suggestions for 100x moonshots
Replies: 71
Views: 8848

Re: Suggestions for 100x moonshots

Would Snowflake (SNOW) be a possible moonshot? IPO may be tomorrow. I think it's pricing in at $25B or so market cap. Possible moonshot if it gets to $2.5T in 10 years, which is possible with a little assistance from the fed. Problem is unless you have access to IPO prices, you might have to pay a ...
by anoop
Wed Sep 16, 2020 12:54 am
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 93
Views: 7395

Re: Should I buy a new rice cooker from Zojirushi?

We bought rice cookers several times - but the insides of the vessel holding the rice inevitably would start peeling off in 6 months. We now just use a heavy steel pot. What is the substance that peels off? Does it also shed/peel is small bits that might get ingested? Is there a version that is not...
by anoop
Tue Sep 15, 2020 7:23 pm
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 172
Views: 13736

Re: Is this guy trying to scam me on a car I'm selling?

keanoz wrote: Tue Sep 15, 2020 7:19 pm I would not take a check unless I went with him in person into his bank and was handed the check right there.
+1

If taking cash, I would want that to happen at the bank too to make sure the currency wasn't fake, unless you have a way of testing it yourself.
by anoop
Tue Sep 15, 2020 5:08 pm
Forum: Personal Investments
Topic: Suggestions for 100x moonshots
Replies: 71
Views: 8848

Re: Suggestions for 100x moonshots

Would Snowflake (SNOW) be a possible moonshot? IPO may be tomorrow. I think it's pricing in at $25B or so market cap. Possible moonshot if it gets to $2.5T in 10 years, which is possible with a little assistance from the fed. Problem is unless you have access to IPO prices, you might have to pay a ...
by anoop
Sat Sep 12, 2020 11:49 pm
Forum: Investing - Theory, News & General
Topic: Where's Warren Buffett During This Crisis?
Replies: 181
Views: 26010

Re: Where's Warren Buffett During This Crisis?

OK, he's making moves. First getting rid of the airlines, then the banks (including entire stake in $GS), then buying $GOLD, and now buying a $250M stake in Snowflake. https://finance.yahoo.com/news/warren-buffett-berkshire-hathaway-snowflake-private-placement-194954363.html I have no idea what Sno...
by anoop
Fri Sep 11, 2020 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Should we buy a $3M+ house with parental help?
Replies: 167
Views: 11575

Re: Should we buy a $3M+ house with parental help?

Tell them the $1.5M gift doesn't cut it and you need $3M. :twisted:
by anoop
Thu Sep 10, 2020 10:30 pm
Forum: Personal Consumer Issues
Topic: Comparing health plan coverage for BCBS - how do I do it?
Replies: 11
Views: 640

Re: Comparing health plan coverage for BCBS - how do I do it?

Unless you know who you're looking for, I don't think there's a way to check. Even if a hospital is in network, doctors that work there may not be. I had a situation like that 2 years ago and one visit by a doctor cost me more copay than the entire hospital stay. If the procedure is elective, they w...
by anoop
Thu Sep 10, 2020 6:32 am
Forum: Personal Consumer Issues
Topic: Please help me, need to buy a computer
Replies: 128
Views: 6344

Re: Please help me, need to buy a computer

I’m a big Apple fan. Besides no bloatware, the entire user experience is much better thought out than Windows. The 2020 MacBook Air is a great machine, even the base version with the i3 processor which costs $999. You might need a dongle to connect your external drive, though, unless it has a USB-C ...
by anoop
Wed Sep 09, 2020 7:39 pm
Forum: Investing - Theory, News & General
Topic: Interest rates
Replies: 13
Views: 1109

Re: Interest rates

Don't confuse the Fed's power over short-term rates with power over long-term rates. The Fed did not successfully raise long-term rates in the last few years, and long-term rates can confound the Fed's attempts to keep rates low if they focus on short-term policy instruments. If they cared about it...
by anoop
Wed Sep 09, 2020 7:21 pm
Forum: Investing - Theory, News & General
Topic: Interest rates
Replies: 13
Views: 1109

Re: Interest rates

Rates can rise if there is a reset of sorts--a debt jubilee, a currency devaluation event, or something like that. Barring that, I don't see how it is possible for rates to ever rise again without crashing the stock market, bankrupting cities, states, and corporations (they all have too much debt),...
by anoop
Wed Sep 09, 2020 6:01 pm
Forum: Investing - Theory, News & General
Topic: Interest rates
Replies: 13
Views: 1109

Re: Interest rates

Rates can rise if there is a reset of sorts--a debt jubilee, a currency devaluation event, or something like that. Barring that, I don't see how it is possible for rates to ever rise again without crashing the stock market, bankrupting cities, states, and corporations (they all have too much debt), ...
by anoop
Wed Sep 09, 2020 11:42 am
Forum: Investing - Theory, News & General
Topic: Where's Warren Buffett During This Crisis?
Replies: 181
Views: 26010

Re: Where's Warren Buffett During This Crisis?

Normally I stay away from IPOs, but since Warren has bought Snowflake, I decided to register for their IPO. Let's see if I get awarded any shares though.
by anoop
Wed Sep 09, 2020 1:10 am
Forum: Personal Investments
Topic: Dump Bonds -- buy AAPL & TSLA split?
Replies: 131
Views: 10398

Re: Dump Bonds -- buy AAPL & TSLA split?

Okay name 10 awesome things about a Tesla that don't exist in other cars (or are substantially worse in other cars). I can think of a couple of things Tesla has going for it. Acceleration (but how often do I need that when driving to work or the grocery store?) Battery life (but I actually can go f...
by anoop
Wed Sep 09, 2020 12:04 am
Forum: Personal Investments
Topic: Dump Bonds -- buy AAPL & TSLA split?
Replies: 131
Views: 10398

Re: Dump Bonds -- buy AAPL & TSLA split?

The car has about 100 things I think make it 10x better than the second best car. I'm curious if you can name 10 things that are 10x better than even a Honda Civic, let alone the "second best car". I'm curious to hear the answer to this too :mrgreen: Prettyfrtnt didn't say 100 things that each are ...
by anoop
Tue Sep 08, 2020 7:25 pm
Forum: Investing - Theory, News & General
Topic: Where's Warren Buffett During This Crisis?
Replies: 181
Views: 26010

Re: Where's Warren Buffett During This Crisis?

OK, he's making moves. First getting rid of the airlines, then the banks (including entire stake in $GS), then buying $GOLD, and now buying a $250M stake in Snowflake. https://finance.yahoo.com/news/warren-buffett-berkshire-hathaway-snowflake-private-placement-194954363.html I have no idea what Snow...
by anoop
Tue Sep 08, 2020 2:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20234
Views: 2762193

Re: U.S. stocks in free fall

deleted
by anoop
Tue Sep 08, 2020 8:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8927
Views: 709101

Re: U.S. stocks continue to soar!

MotoTrojan wrote: Tue Sep 08, 2020 7:38 am
anoop wrote: Tue Sep 08, 2020 1:59 am

(p/e itself is very flawed because it doesn't account for debt.)
This is key. One of the reasons I now prefer value funds that weight on enterprise value (EBIT/TEV instead of E/P for example).
Can you share a fund or better yet an ETF that does this?
by anoop
Tue Sep 08, 2020 1:59 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8927
Views: 709101

Re: U.S. stocks continue to soar!

I saw a tweet by someone that claimed they worked on wall st in the 80s and the rule of thumb was fair p/e = 1/(rate of 10 yr T-bond). So basically if 10 year rate is 10% p/e should be 10. If 10 year rate is 1%, fair p/e is 100. I think this market has a very bright future! Interesting. But that wo...
by anoop
Tue Sep 08, 2020 1:53 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8927
Views: 709101

Re: U.S. stocks continue to soar!

I saw a tweet by someone that claimed they worked on wall st in the 80s and the rule of thumb was fair p/e = 1/(rate of 10 yr T-bond). So basically if 10 year rate is 10% p/e should be 10. If 10 year rate is 1%, fair p/e is 100. I think this market has a very bright future! Interesting. But that wo...
by anoop
Tue Sep 08, 2020 1:44 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8927
Views: 709101

Re: U.S. stocks continue to soar!

I saw a tweet by someone that claimed they worked on wall st in the 80s and the rule of thumb was fair p/e = 1/(rate of 10 yr T-bond).

So basically if 10 year rate is 10% p/e should be 10. If 10 year rate is 1%, fair p/e is 100.

I think this market has a very bright future!