Search found 278 matches

by prettybogle
Mon Aug 05, 2019 10:08 pm
Forum: Personal Investments
Topic: Ally & Marcus Dropping Some Interest Rates (Title Edited 8-8-19)
Replies: 59
Views: 8643

Re: Ally Dropping Interest Rate on their Online Savings Account 8-6-19

Not sure why y’all are opening no penalty cd @ 2.3% for 25k minimum balance. We opened raise your rate cd @ 2.5% no minimum balance. 2 benefits with raise your rate - for 2 year, early withdrawal is 2 months and for 4 year, it is 4 months; also if the rates do go up (unlikely), 2 year will give one ...
by prettybogle
Tue Jul 30, 2019 10:12 pm
Forum: Personal Consumer Issues
Topic: Tropical fruits guava etc
Replies: 7
Views: 796

Tropical fruits guava etc

Hello all, we are looking to try out fresh tropical fruits specifically guava. Is there a good place or online store where we can buy reliable fresh guava fruit ? Thanks
by prettybogle
Tue May 21, 2019 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Senior management/executives
Replies: 51
Views: 4395

Senior management/executives

I truly respect collective wisdom of bogleheads forum and I know for a fact many members here are in senior management positions. I had a very strange experience at work recently - one of our vice presidents in the company offered an indirect quid pro quo in return for “something” from me. I am stil...
by prettybogle
Thu May 16, 2019 9:40 pm
Forum: Personal Investments
Topic: Thank you Bogleheads
Replies: 4
Views: 1117

Thank you Bogleheads

Hello all, DH and I are celebrating our 1 year anniversary of quitting his trading addiction with stocks options crypto, you name it. I must say DH is looking more handsome with no more hairloss, less stressful, spending more quality time with me, healthier and last but not the least saving lot more...
by prettybogle
Tue May 14, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a "new" car - Advice pls
Replies: 76
Views: 6757

Re: Buying a "new" car - Advice pls

NEW 2019 honda civic - 21k out the door
by prettybogle
Mon May 13, 2019 10:04 pm
Forum: Personal Investments
Topic: Ira transfer to Vanguard
Replies: 13
Views: 1166

Ira transfer to Vanguard

Hello, I have a traditional IRA at td Ameritrade that I would like to transfer over to vanguard. What is the process for this ? I called vanguard customer service and didn’t get much help. Will vanguard pay any fees for doing this ?
by prettybogle
Mon May 06, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: Indian cookbooks
Replies: 25
Views: 2739

Re: Indian cookbooks

Checkout youtube videos from vahchef
by prettybogle
Sun Apr 28, 2019 2:58 pm
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 145
Views: 13242

Re: What Are Your Simple Pleasures?

Reading on my kindle
Gardening
Occasional night out at our favorite club in downtown
by prettybogle
Thu Apr 11, 2019 10:10 pm
Forum: Personal Investments
Topic: To refinance or not
Replies: 5
Views: 596

To refinance or not

We bought our house back in December 2018 mortgage interest rate 4.75. It looks like we can now refinance to around 4% interest rate. Is 0.75% to 0.875% drop in interest rate worth the refinance ? Our estimated closing costs are close to $5000.
by prettybogle
Sun Mar 03, 2019 8:07 pm
Forum: Personal Consumer Issues
Topic: Shopping for a car after 10+ years
Replies: 27
Views: 3133

Re: Shopping for a car after 10+ years

OP here. Quick update - We bought a brand new Honda Civic. It’s perfect for our family both in budget and need. On top of it, it is very stylish and comfortable inside the car. My experience with Carmax - little pricy but easy painless transaction experience Carvana, vroom - coin toss as they work ...
by prettybogle
Sun Mar 03, 2019 7:24 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 120793

Re: What frugal thing did you do today?

michaeljc70 wrote:
Fri Feb 01, 2019 8:43 pm
Since it has been like -20 here, spouse is out of town, and I haven't needed to really leave the house I cut back on showers this week. :shock:
Hahaha. My hubby will be awarded divorce if he does that :D
by prettybogle
Sun Feb 24, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: Shopping for a car after 10+ years
Replies: 27
Views: 3133

Re: Shopping for a car after 10+ years

OP here. Quick update - We bought a brand new Honda Civic. It’s perfect for our family both in budget and need. On top of it, it is very stylish and comfortable inside the car. My experience with Carmax - little pricy but easy painless transaction experience Carvana, vroom - coin toss as they work f...
by prettybogle
Sat Feb 09, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Shopping for a car after 10+ years
Replies: 27
Views: 3133

Shopping for a car after 10+ years

Long story short we have been happy honda car owners for more than a decade but giving away our honda accord to a cousin. We need to find a car for our cute little family of 3 - includes 6 year old daughter as early as we can. We made the following decisions: 1. CR-V kind of vehicle 2. used car 3. Y...
by prettybogle
Sun Dec 09, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Good Certifications on artificial intelligence, machine learning
Replies: 0
Views: 347

Good Certifications on artificial intelligence, machine learning

What are some top sought after certifications in Artificial intelligence, machine learning? Is stanford’s Graduate certificate in artificial intelligence good ? Thanks in advance.
by prettybogle
Tue Nov 20, 2018 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 67
Views: 8786

Re: How high can House prices go

Thanks everyone. This is probably the toughest decision we faced so far - we like both house and townhome; both are brand new, in good community close to work, etc. Amazon bringing 5k jobs over next 7 years is making this decision even harder :oops: That probably makes it very good that you made an...
by prettybogle
Tue Nov 20, 2018 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 67
Views: 8786

Re: How high can House prices go

Thanks everyone. This is probably the toughest decision we faced so far - we like both house and townhome; both are brand new, in good community close to work, etc. Amazon bringing 5k jobs over next 7 years is making this decision even harder :oops:
by prettybogle
Sun Nov 18, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 67
Views: 8786

Re: How high can House prices go

Thanks y’all for suggestions. At this point, we have 2 options - 1. Go ahead with $545k house as we already paid $30k. 2. Buy a brand new 2000 sqft townhome for $360k - the floor plan is almost the same as a single family house, has a 2 car garage. The price difference is only 160k - actually 170k a...
by prettybogle
Mon Nov 12, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 67
Views: 8786

Re: How high can House prices go

We are seeing in the neighborhoods around here that some of the sellers are named XYZ revocable trust etc. They bought houses in last few years and selling now - may be this is house flipping ?
by prettybogle
Mon Nov 12, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 238
Views: 36508

Re: [Financial] Habits of the Rich

We are in the lower middle class but I can share something from what I learned by watching my husband and also few of his friends. Do not trade - be it options, leveraged instruments, sexy new trading vehicles like crypto or anything else that may come up in future. Simply divy the left over income ...
by prettybogle
Wed Nov 07, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 67
Views: 8786

Re: How high can House prices go

Thanks y’all for helpful thoughts. DH and I are brainstorming heavily on what we should do. We feel like we have these options: 1. Go ahead and close the $545k house that we paid $30k so far 2. Back out of $545k house and sign up for $320k brand new townhome. The townhome is in the almost the same a...
by prettybogle
Tue Nov 06, 2018 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 67
Views: 8786

Re: How high can House prices go

Luckily for all of us, mortgages are not callable anymore (in the Great Depression, the banks could call the loan due in full if the collateral - the house- dropped in value). So as long as you can make your payments through any fluctuations in value, you are getting shelter and increasing network ...
by prettybogle
Tue Nov 06, 2018 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 67
Views: 8786

Re: How high can House prices go

I am curious to learn how the dynamics of house prices work. From what I understand, banks can only give loan if the monthly mortgage is within the 30 - 40% of the debtor’s salary. So, for houses priced at 500k, the salaries have to be atleast 120k. For 600k, salaries atleast 150k and so on. In Nas...
by prettybogle
Tue Nov 06, 2018 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 123
Views: 20162

Re: Are we in trouble?

The more someone accumulates wealth outside of retirement accounts, the more likely he will buy expensive things such as big house, fancy car etc. This wealth blinds him from ground realty i.e. financial situation of most people.
by prettybogle
Tue Nov 06, 2018 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 67
Views: 8786

Re: How high can House prices go

I dunno, I'd look at other countries and see how loans work in them if you want to extrapolate some kind of worst case. No reason loans need to be 30 years. They could be 50. So how high do house prices go if you assume a 50 year mortgage and 50% of the salary goes to debt? $120,000 salary pays for...
by prettybogle
Tue Nov 06, 2018 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 67
Views: 8786

How high can House prices go

I am curious to learn how the dynamics of house prices work. From what I understand, banks can only give loan if the monthly mortgage is within the 30 - 40% of the debtor’s salary. So, for houses priced at 500k, the salaries have to be atleast 120k. For 600k, salaries atleast 150k and so on. In Nash...
by prettybogle
Tue Nov 06, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 123
Views: 20162

Re: Are we in trouble?

This post is a good reminder that even house sellers can be as stressed as house buyer. From everything I heard from my Chicago friends in last few years, houses sell very fast there. I am surprised why OP’s house is not selling after this long. If house is in a very good neighborhood, good schools ...
by prettybogle
Mon Nov 05, 2018 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 123
Views: 20162

Re: Are we in trouble?

Yes we lowered the price twice. originally listed at 799K ...lowerd it to 775K and now 750K. Since texas is a no state tax state we felt comfortable with the higher mtg. I just do not want to make decisions when i am feeling so upset and make things worse and hence looking for some outside perspect...
by prettybogle
Sun Nov 04, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: First time home buyer - gut check
Replies: 58
Views: 8444

Re: First time home buyer - gut check

We are putting 20% down and paying for closing costs. After that, we will have $40k liquid reserves as an emergency fund. Additional $300k in retirement accounts not counting the $40k. Like, all of your savings that's not in retirement accounts is down payment + 40k? That doesn't leave much for fur...
by prettybogle
Fri Nov 02, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: First time home buyer - gut check
Replies: 58
Views: 8444

Re: First time home buyer - gut check

We are putting 20% down and paying for closing costs. After that, we will have $40k liquid reserves as an emergency fund. Additional $300k in retirement accounts not counting the $40k. Like, all of your savings that's not in retirement accounts is down payment + 40k? That doesn't leave much for fur...
by prettybogle
Sat Oct 27, 2018 7:39 am
Forum: Personal Finance (Not Investing)
Topic: First time home buyer - gut check
Replies: 58
Views: 8444

Re: First time home buyer - gut check

OP here and I want to provide a quick update to my original post. We have put an offer down on a house and I am having cold feet as the buyer, which may be normal for a first time home buyer, but it is still causing me angst. A few of the details are below. We put an offer down on a $635k house tha...
by prettybogle
Sat Oct 27, 2018 6:56 am
Forum: Personal Consumer Issues
Topic: House selling costs
Replies: 23
Views: 2315

Re: House selling costs

Thanks y’all. We are thinking whats the worst that could happen if we back out - potentially never will be able to buy house ? Rents going higher ? We really have to stick to this location only for schools... after 10 years, we can live anywhere regardless of location.
by prettybogle
Fri Oct 26, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: House selling costs
Replies: 23
Views: 2315

Re: House selling costs

Looks like you and your husband are getting a "pre-buyer remorse". A $450k mortgage on a $130k income is reasonable. On a ~$200k income is comfortable. As long as you have no real issues with the house, location, schools, and other important criteria that you had, I recommend you go ahead with the ...
by prettybogle
Fri Oct 26, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: House selling costs
Replies: 23
Views: 2315

Re: House selling costs

Once you own the house, your main source of comfort will come from cash flow. What will your budget look like including 401k contributions and how much extra will you have leftover to save. What is your down payment and total mortgage? You should be able to afford the house with 200k in income. To ...
by prettybogle
Fri Oct 26, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: House selling costs
Replies: 23
Views: 2315

Re: House selling costs

Thanks. We are intensely debating to go ahead with the buy or lose the earnest money. This is really stressing us out - our house buying decision has been going on for over a year now and now we are really drained out and really want to end this in some way :oops:. Whichever way we go, we want to st...
by prettybogle
Fri Oct 26, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: House selling costs
Replies: 23
Views: 2315

House selling costs

We are in a conundrum debating to close the house we signed up for. It is only becoming a tougher decision as the closing date is nearing. We are in a high housing cost area in Tennessee. On the positive side, we really like the house, brand new and it is in a good neighborhood with good schools, lo...
by prettybogle
Wed Oct 17, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Corporate politics/culture
Replies: 43
Views: 4243

Re: Corporate politics/culture

Thanks everyone. I came to know a strange tidbit on the ceo change - outgoing ceo used to get a salary + bonus of 12+ million. New ceo will get salary of 900k, bonus upto 100%, long term bonus of 500%. This seems to be significantly lower than the old ceo.
by prettybogle
Mon Oct 15, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: Corporate politics/culture
Replies: 43
Views: 4243

Corporate politics/culture

I am working in private sector for 20 years now. I consider myself still a newbie when it comes to corporate politics. I am hoping you guys can share your thoughts on what’s happening in our company. It is a pretty stable financial company but since last year there have been changes - sold off a bus...
by prettybogle
Sat Apr 28, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Would you make this financial decision??
Replies: 18
Views: 2172

Re: Would you make this financial decision??

We are a rural midwest couple working in an expensive area in TN. DH has been working fulltime for sometime now and I started working just last month. We are in late 30’s. DH salary 130k, my salary 75k. Our monthly rent is 1350. We are considering buying a upper 500s new house that will actually be...
by prettybogle
Sat Apr 28, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Would you make this financial decision??
Replies: 18
Views: 2172

Would you make this financial decision??

We are a rural midwest couple working in an expensive area in TN. DH has been working fulltime for sometime now and I started working just last month. We are in late 30’s. DH salary 130k, my salary 75k. Our monthly rent is 1350. We are considering buying a upper 500s new house that will actually be ...
by prettybogle
Sat Apr 21, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Relationship between Housing prices and wages
Replies: 3
Views: 990

Relationship between Housing prices and wages

With rapidly increasing housing prices, I am wondering if wages are increasing on an average across the country. Certainly DH salary is barely keeping up with inflation. Curious if our salary hikes are in the lower end of the current trend.
by prettybogle
Mon Apr 02, 2018 9:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2129132

Re: U.S. stocks in freefall

I agree that the most widely tracked and backward looking economic indicators are strong, but I am concerned that it's held up only by cheap debt. The consumer has levered back up on all fronts (mortgages, autoloans, credit cards, etc.). Not much margin to absorb any shocks (trade war, higher gas p...
by prettybogle
Mon Apr 02, 2018 7:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2129132

Re: U.S. stocks in freefall

Reading a lot of news articles stating that s & p closed below its 200 day moving average and it is a very bearish sign. Wonder what suddenly changed in 3 months that will lead us into bear market. Just in January there was a parade of big guys screaming we are in goldilocks market and it will only ...
by prettybogle
Sat Mar 31, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1554
Views: 166119

Re: Netflix, Your Current Favorite Show

Watching the new docuseries ‘wild wild country’ - its about Osho spiritual movement in Oregon 80’s. Must watch !! I should say I am shocked and amazed this thing really happened in the good ole USA. Still cannot believe if it is true. Anyone from those times, is this really true ?
by prettybogle
Fri Mar 23, 2018 7:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2129132

Re: U.S. stocks in freefall

Big bad and ugly R is coming ???
by prettybogle
Sat Mar 17, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: 20% of US population are millionaires !!!
Replies: 16
Views: 3296

20% of US population are millionaires !!!

A friend of us in his late 30’s is a newly minted millionaire as of this weekend. He threw a party to us yesterday and shared a surprising ‘fact’ that millionaire is no longer a big thing like it used to be and also 20% of US population are already millionaires. Is this really true ? I am very very ...
by prettybogle
Sat Mar 03, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Housing Budget Check (paging Watty / KlangFool)
Replies: 86
Views: 8752

Re: Housing Budget Check (paging Watty / KlangFool)

It is always nice to hear from KlangFool. His wisdom saved us from being enslaved to McMansion that we were almost buying. Thanks KlangFool :sharebeer
by prettybogle
Sat Mar 03, 2018 11:30 am
Forum: Personal Investments
Topic: Job offer - no 401k offered
Replies: 35
Views: 5049

Re: Job offer - no 401k offered

Thanks everyone for replies. As I am currently not employed, I may likely accept the offer for now. DH will start maxing hsa, contribute to both of our Roth, if we can under the limits. Just a quick update to my dearest boglehead friends, I accepted the offer and started the work this week. Happy t...
by prettybogle
Sun Feb 18, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Iphone 8 case suggestions
Replies: 2
Views: 285

Iphone 8 case suggestions

Just got my iphone 8 and am shopping for a case. Any suggestions please. Thank you.
by prettybogle
Sun Feb 18, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 38
Views: 4205

Re: Cell phone service

Thanks everyone for sharing very useful information. Dont mean to hijack this thread but any suggestions on what would be a good case for iphone 8 ? As of now, Apple iphone 8 case seems to be decent.
by prettybogle
Thu Feb 15, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 38
Views: 4205

Re: Cell phone service

If you’re a Comcast/ Xfinity internet customer, check out Xfinity mobile. If your current phone is unlocked and compatible (or you buy one of theirs) you could find the service dirt cheap (depending on your data usage) and you will get Verizon coverage. I think it could be one of the best deals goi...