Search found 47 matches

by brito11
Wed Oct 25, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: Package addresssed to my address, someone else's name, on house I am selling
Replies: 35
Views: 2722

Re: Package addresssed to my address, someone else's name, on house I am selling

Given that the item is a smartphone, my bet is on it being a scam. It is increasingly common to uy items with stolen credit cards and ship them to unoccupied addresses or another variation where the buyer claims not to have received the item to get a refund.
by brito11
Fri Oct 06, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating merit scholarships
Replies: 32
Views: 2141

Re: Negotiating merit scholarships

It doesn't hurt to ask, but keep in mind that 4.0+ GPA and high SAT scores are not extraordinary in and of themselves. An extraordinary applicant would be someone like a International Science Olympiad participant, National Merit Finalist, etc. Reason being that these are statistics that schools heav...
by brito11
Tue Sep 26, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 83
Views: 5371

Re: Bogleheads monthly costs of dog ownership?

BF has a lab mix that he adopted when she was a puppy ~ 1 month ish. She's now approaching 7 and has been relatively maintenance free as an adult. Imho I think mutts have a better track record when it comes to physical health because purebreds are susceptible to genetic defects. Puppies are going to...
by brito11
Fri Sep 15, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Average American Net Worth is $534,600?
Replies: 15
Views: 2919

Re: Average American Net Worth is $534,600?

I remember my intro statistics professor always mentioned that in datasets with lots of skewed data values, the median provides a more true sense of where most of the values lies - a truer sense of the "average" so to say. It's also mind-boggling to realize that if someone like Bill Gates (worth 85....
by brito11
Mon Aug 14, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 18423

Re: Life at crossroads. What would you do ?

I thought data scientist was one of the new emerging "hot" jobs out there...and now it's old tech? OP, can you clarify this? I currently work for one of the big tech dinosaurs, and I would agree with you OP that you don't want to be looking at jobs in the Bay area with these companies. Mine doesn't....
by brito11
Fri Jul 14, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Is booking travel via Chase Travel Portal cheaper?
Replies: 15
Views: 1826

Re: Is booking travel via Chase Travel Portal cheaper?

In my experience, prices were the same but availability on the online portal differs. I've found more availability by calling in and having the agent look for more spots. If you have the Chase Sapphire Reserve, you get a 1.5 multiplier value!
by brito11
Thu Jun 22, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Which High-Yield Online Savings Account Should I Open?
Replies: 72
Views: 9948

Re: Which High-Yield Online Savings Account Should I Open?

Discover, Ally, and Alliant all have checking accounts along with their high interest savings accounts. Discover has 10 cent cash back on up to 1000 transactions a month. Ally has .1% at balances below 15000 and .6% at balances above 15000. Alliant has .65% if you have estatements and monthly deposi...
by brito11
Tue May 02, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: Great knife for slicing limes and raw potatoes
Replies: 56
Views: 3978

Re: Great knife for slicing limes and raw potatoes

You can go into one of those fancy cooking shops such as Sur La Table and try out different knives. I like the santoku personally because of its versatility, although I've read that Asian knives can take some time to get used to (I've always used Asian knives). The Tojiro DP is a great santoku at a ...
by brito11
Fri Apr 28, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Looking For Advice - Move NY -> Tampa?
Replies: 53
Views: 5327

Re: Looking For Advice - Move NY -> Tampa?

As numerous people have stated, weather is one of the biggest differences. As someone that's lived in both the tropical, humid extreme versus the snow 6 months out of the year extreme, I would prefer the latter. Never liked living in an air-conditioned box.
by brito11
Thu Apr 27, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Phone For Japan?
Replies: 16
Views: 1305

Re: Phone For Japan?

Also, check out to see how a google number (free) could be of use to you. I've posted about it before on here, but I don't have the time to go into details. It's worth checking out an article. Also- check to see if your Pixel is already unlocked. I bought an iPhone 5 from Verizon a while back and t...
by brito11
Thu Apr 27, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Phone For Japan?
Replies: 16
Views: 1305

Re: Phone For Japan?

Is price a concern? If not, you can get the Verizon international plan and things will be simpler. If you are worried about the price... How much would it be to get the phone unlocked? Once you do, there is the option to switch to Google Fi. If you're living in a rural area, coverage may or may not ...
by brito11
Thu Apr 06, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 27864

Re: Low-earners- What is your profession?

Occupation: Technical writer at Fortune 100 company undergoing severe contraction. Salary: 70 k Graduated from an Ivy League college with 30ish k debt in student loans. Had a 2 year non-employment/under-employment period as I had neither career goals nor career direction (majored in English and Bio...
by brito11
Wed Apr 05, 2017 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Help with college choice
Replies: 125
Views: 6984

Re: Help with college choice

I can offer my perspective on GA tech and Cornell (grew up in Atlanta and went to Cornell). GA Tech is probably regarded as the most prestigious tech school in the Southeast. There are lots of Asians there. The regret your son heard from the host may be in part due to the brutal academics, downtown ...
by brito11
Tue Apr 04, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 27864

Re: Low-earners- What is your profession?

Occupation: Technical writer at Fortune 100 company undergoing severe contraction. Salary: 70 k Graduated from an Ivy League college with 30ish k debt in student loans. Had a 2 year non-employment/under-employment period as I had neither career goals nor career direction (majored in English and Biol...
by brito11
Thu Mar 30, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Spring Break Trip to Disney World
Replies: 68
Views: 5502

Re: Spring Break Trip to Disney World

You could check out the forums below for tips and discounts and more information:

https://www.mousesavers.com/
https://www.disboards.com/
by brito11
Tue Mar 21, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: My son wants to move to Hong Kong
Replies: 35
Views: 5371

Re: My son wants to move to Hong Kong

Here are some of my observations: not HK native but speak Chinese and English and have worked in Asian countries... 1. I wouldn't dissuade your son from going. It's a great life experience, regardless of whether the relationship works out and what kind of job he gets. At this point when he is still ...
by brito11
Wed Mar 08, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Traveling to Japan
Replies: 37
Views: 4464

Re: Traveling to Japan

Preparation checklist: Apply for JR pass ASAP - it's only available for tourists so you have to get it while you're still at home. This lets you ride any JR train, including the shinkansen, for free with the exception of the Nozomi shinkansen. Carry a debit card with no ATM fees and foreign transact...
by brito11
Tue Jan 03, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: My niece got accepted to Georgetown and we may have to pay for it.
Replies: 58
Views: 7539

Re: My niece got accepted to Georgetown and we may have to pay for it.

I would wait until the actual financial aid package comes in before being confident in anything. Also keep in mind that even at schools with generous endowments, the most significant form of aid (grants) are usually reduced after the first year. First years get extremely generous aid packages to enc...
by brito11
Fri Jul 15, 2016 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Filed Flexible Spending Account Late - Being Denied $5K spent
Replies: 20
Views: 2405

Re: Filed Flexible Spending Account Late - Being Denied $5K spent

Does your FSA issue a debit card? In the future, it would be easier to draw the money directly from the FSA rather than reimbursing yourself. You'll lose the credit card points, but better than potentially costing 5 k.
by brito11
Thu Jul 14, 2016 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Car Buying Dilemma
Replies: 53
Views: 5409

Re: Car Buying Dilemma

Are there other used car models and years you would recommend? I'm looking for a used car (transitioning out of the "family car"), and this is good info! What are your priorities? (size, price, age, type of car, etc). I'm looking for a reliable with low(ish) maintenance, auto transmission...
by brito11
Thu Jul 14, 2016 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Car Buying Dilemma
Replies: 53
Views: 5409

Re: Car Buying Dilemma

That's a third gen Camry (1992-1996), arguably the finest car Toyota has ever produced aside from the original 1989 Lexus LS400. They're comfortable, well-assembled from very high-quality Lexus-grade materials, and will run FOREVER. I've seen numerous cases of them still running superbly at more th...
by brito11
Thu Jul 14, 2016 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 8399

Re: Private vs State School?

Cornell '05 grad...had my choices of three very good in-state schools: Honors program at UGA, Emory, Georgia Tech. Imho, there are marginal differences aside from catchet between great public unis and great private unis, and it boils down to what you make of it. Was a Biology and English double-majo...
by brito11
Wed May 11, 2016 12:25 pm
Forum: Personal Consumer Issues
Topic: One Week "Sabbatical"
Replies: 43
Views: 5156

Re: One Week "Sabbatical"

I recommend Ithaca, NY! It's in the Finger Lakes region. Absolutely gorgeous during the summer. Hiking + lakes + gorges + Cornell ice cream. :)
by brito11
Tue May 10, 2016 12:00 pm
Forum: Personal Consumer Issues
Topic: Harry Potter World: Trip Advice
Replies: 30
Views: 3770

Re: Harry Potter World: Trip Advice

This thread sparked my curiosity about the HP world, so i did some sleuthing...

http://www.disboards.com/forums/univers ... forums.30/

The above site seems like a good resource for planning the trip. In particular, this thread (http://www.disboards.com/threads/4-nigh ... e.3508195/) suggest buying everything separate.
by brito11
Fri Apr 29, 2016 1:01 pm
Forum: Personal Consumer Issues
Topic: Atlanta in August -- worth it?
Replies: 51
Views: 3754

Re: Atlanta in August -- worth it?

Imo...the summer heat is bad...and I'm from Taiwan! Atlantans spend a lot of time indoors in the summer, with the A/C on full blast. The weather here has been a bit odd the last few years - it's been an usually warm spring so I predict a hotter than usual summer. There are some good suggestions - I ...
by brito11
Wed Apr 13, 2016 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: CPA pricing and physical location
Replies: 41
Views: 3175

Re: CPA pricing and physical location

Sorry, that was not what I meant. My advice is not to worry so much about the price and go for who you think will do a better job.
by brito11
Wed Apr 13, 2016 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: CPA pricing and physical location
Replies: 41
Views: 3175

Re: CPA pricing and physical location

I would go with the latter, more expensive, company, since their services seem to be more comprehensive, esp since this is your first year as a business. I believe you can deduct the tax preparation costs for your business, but any costs for your personal return is subjected to the 2% rule. I helpe...
by brito11
Wed Apr 13, 2016 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: CPA pricing and physical location
Replies: 41
Views: 3175

Re: CPA pricing and physical location

I would go with the latter, more expensive, company, since their services seem to be more comprehensive, esp since this is your first year as a business. I believe you can deduct the tax preparation costs for your business, but any costs for your personal return is subjected to the 2% rule. I helped...
by brito11
Sat Mar 19, 2016 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: must do/sees in Beijing and HangZhou
Replies: 13
Views: 1058

Re: must do/sees in Beijing and HangZhou

I had a day in the fall a couple of years ago. Paid for a guide to take us very early morning to Mutianyu part of Great Wall, was back in Beijing for lunch and to see some other things. To say the Great Wall is touristy is kind of silly. Well yeah, it's within easy driving distance of a city of 30 ...
by brito11
Fri Mar 18, 2016 11:45 am
Forum: Personal Finance (Not Investing)
Topic: must do/sees in Beijing and HangZhou
Replies: 13
Views: 1058

Re: must do/sees in Beijing and HangZhou

I thought the Great Wall was overrated...very touristy. I went during December so I got a good experience of how miserable it was for ancient Chinese guards to keep watch. Eat Peking duck at one of the 2 known restaurants for providing duck to the Imperial Court. Check out hutong (if they're still t...
by brito11
Mon Mar 07, 2016 3:09 pm
Forum: Personal Consumer Issues
Topic: Upping my mileage/points game
Replies: 72
Views: 7647

Re: Upping my mileage/points game

I second doing a lot of research if you want to get into this. There really isn't any shortcut, due to the ESID (each situation is different) aspect of the "hobby." Also, do keep in mind that there have been several recent, significant changes that make it harder to manufacture spend and c...
by brito11
Fri Feb 12, 2016 3:58 pm
Forum: Personal Consumer Issues
Topic: First time to Japan Travel. Advice?
Replies: 24
Views: 3095

Re: First time to Japan Travel. Advice?

Well...is there anywhere in Japan you would like to go? Most first-time tourists start with Tokyo. There's more than plenty to do in 4 days. - Akihabara (electronic shopping district) - mostly to experience the weirdness that is Japan. - Tsukiji Fish Market - they will be moving it soon so see i whi...
by brito11
Mon Dec 14, 2015 3:19 pm
Forum: Personal Consumer Issues
Topic: Boglehead cell phone strategy
Replies: 143
Views: 20281

Re: Boglehead cell phone strategy

Cheapest option by far is Ringplus during their no-fee plan promotions (currently one running right now). Phone needs to be a Sprint network phone.
by brito11
Fri Nov 13, 2015 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Worst night of my life [personal loan or cash out IRA to pay gambling debt]
Replies: 126
Views: 13723

Re: Worst night of my life [personal loan or cash out IRA to pay gambling debt]

If any of you frequent reddit, there was a thread where essentially the same thing happened to the reddit OP, but at a strip club. He mentioned that at one point before he blacked out it seemed like he was not in control of himself. I'm wondering if it's policy for these places to get license, ID, f...
by brito11
Fri Nov 13, 2015 11:05 am
Forum: Personal Finance (Not Investing)
Topic: "Vacation Buy" from employer - is it worth it?
Replies: 30
Views: 5789

Re: "Vacation Buy" from employer - is it worth it?

Thank for the reply...that's what I thought. Otherwise I was going to kick myself for not doing this, as my enrollment period has passed. (Benefit options at megacorps are totally confusing!)
by brito11
Fri Nov 13, 2015 10:33 am
Forum: Personal Finance (Not Investing)
Topic: "Vacation Buy" from employer - is it worth it?
Replies: 30
Views: 5789

Re: "Vacation Buy" from employer - is it worth it?

Is there really a pretax benefit? I just started working for an employer that has this, and I didn't see how this would work as a tax advantage
by brito11
Fri Oct 09, 2015 10:06 am
Forum: Investing - Theory, News & General
Topic: New investors: how did your first correction go?
Replies: 100
Views: 9266

Re: New investors: how did your first correction go?

Depressing, to say the least!

Started contributing to 401k in middle of 2013 and put in 5500 in a traditional IRA late 2014. Needless to say, I'm net negative. Personally, I'm not optimistic about stock market performance over the next decade, but oh well.
by brito11
Mon Jun 08, 2015 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Confused college kid
Replies: 54
Views: 6696

Re: Confused college kid

The people that hire from the Ivy League know exactly what those grades mean. The people with the top grades work harder, have more discipline, and are a bit smarter. A person from Cornell graduating in the bottom 50% may have worked hard in high school, but has been coasting and drinking too much ...
by brito11
Fri Jun 05, 2015 10:55 am
Forum: Personal Finance (Not Investing)
Topic: FOREX - $->Y (larger scale)? [Currency exchange USD to JPY]
Replies: 8
Views: 894

Re: FOREX - $->Y (larger scale)? [Currency exchange USD to JPY]

It's easier if you can get a bank account in Japan first. I used an online currency exchange site when I lived in Japan.
by brito11
Sat May 23, 2015 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Non-qualified 529 distribution for non-resident question
Replies: 0
Views: 522

Non-qualified 529 distribution for non-resident question

A relative is a non-US resident but did live in the US at one point and has a SS number. The relative has a child attending a US school for whom a 529 account was opened for and used to pay expenses. The relative wants to close the 529 account after the child graduates. Will the non-qualified distri...
by brito11
Thu May 21, 2015 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Apply Medical school advice
Replies: 17
Views: 2541

Re: Apply Medical school advice

I wouldn't put it all. It sounds like a intra-university event where his team won. Great for camaraderie, but almost irrelevant on a resume. There's a pretty good chance he's not a pro-gamer, which is in a different league of its own. I'd played a text-based browser strategy game for years where I w...
by brito11
Mon Apr 20, 2015 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 8468

Re: Paying for GFs school - any way to help myself?

You can claim her as a dependent if she meets the qualifying relative test. You cannot claim Head of Household. It also looks like your income is too high to qualify for education tax credits.
by brito11
Thu Apr 16, 2015 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Inexpensive Smartphone
Replies: 46
Views: 6472

Re: Inexpensive Smartphone

I pay $18/month after taxes and fees for my unlimited talk, unlimited text, and unlimited (throttled to 2G after 2.5GB) data plan with T-Mobile.


Where does T-mobile offer a plan like this? Sounds like a grand-fathered plan...
by brito11
Wed Apr 15, 2015 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question relating to incorrect W2
Replies: 3
Views: 525

Re: Tax Question relating to incorrect W2

Thanks for the responses. I reviewed my tax forms and paystubs again. The issue was that once the limit was reached, HR stopped the contributions to the HSA but didn't set them to 0 on the paystubs themselves. This complicated things as new paystubs had to be reissued for the corrected W2 and those ...
by brito11
Wed Apr 15, 2015 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Inexpensive Smartphone
Replies: 46
Views: 6472

Re: Inexpensive Smartphone

I've been doing some research on inexpensive smartphones, as I was looking for one for my mom. My findings are: - Prepaid phones are a good deal upfront, but some require you to be locked into the prepaid carrier for a certain number of months b4 the phones can be unlocked. m Once unlocked phones ca...
by brito11
Tue Apr 14, 2015 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question relating to incorrect W2
Replies: 3
Views: 525

Tax Question relating to incorrect W2

Hello Bogleheads, I'm a longtime lurker, first-time poster. This forum is on my daily read list. I have a question about filing taxes relating to an incorrect W2. My company had implemented mid-year a change where the company would match part of the money contributed to an HSA. Due to the company ap...