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ashagru

Hi All: I am planning to get a professionally designed holiday video to send to my clients as a year-end holiday greeting. SOme themes I will add are: 1. Thank clients for their business in a tough year that 2020 has been 2. Have a theme of optimism and hope for 2021 3. Share some photos of my team ...

ashagru

Hi All: I have started an analytics consulting firm. By June of this year, I will have 3 people in US (including me) and 8 in India. I am based on the bay area and we work from a co-working space and client offices (currently, everyone is working from home). The company is set up as a single-member ...

ashagru

Looks interesting. Thanks for the tip. I will try it out. It will be good to hand calculate some of these ==> so, I actually learn how. One more basic Q: If I but equity (say via Vanguard) and hold it several years, do I need anything different to get all the dividend reinvested, etc. or will the br...

ashagru

Trying to learn something new (vs. stare at news). What is a good source for evaluating total returns for individual stocks over several years? Has anyone tried this website? https://dqydj.com/stock-return-calculator/ It shows the value of $10k invested on Jan 1 2009 will be the following today: 1. ...

ashagru

Non-investing post here, but I have learned so much from the group here ++++++ We have a new leader from Europe leading a multicultural team in the bay area. He is looking for inputs on effective communication - How do you communicate effectively with a diverse team? - What is the right frequency, m...

ashagru

Hi All: I am building a small chatbot that will answer basic questions such as: 1. What were sales for Product X last quarter, the previous quarter? 2. How much did sales change in last one quarter? 3. Who were the top 3 regions last quarter? I'd like to give the bot a fun, quirky, mr. "know-it...

ashagru

Hi All: Starting a small business and have some expenses (rent, software licenses, client travel, etc.). Thinking about setting up a separate credit card so I can track expenses in one place. Do you have any recommendations? My estimate is that my expenses will be in $10-$20k range per year. ALso, a...

ashagru

Hi All: I am transitioning from a regular W2-job to a Consultant. I have set up an LLC and my boss wants to re-hire me back right away as a Consultant. Our HR team seems to be unsure about this. Can you provide some guidance: 1. Is there an IRS rule that prevents employees from leaving a job and the...

ashagru

Hi All: I have a Brother's printer. Cartridges need a refill. I took them to Costco, but they do not refill this specific cartridge type (MFC - J5330DW/Cartridge = LC3017C). What are some options people have used: 1. On Amazon, I can order generic brand cartridges for ~$25 (GTS, LD, etc.). Does some...

ashagru

Hi All: I have Geico as my auto and home insurance in Northern California. Pay ~1,400 for each insurance. Pretty happy with Geico, but they do not offer combined auto + home insurance discount in California. Does anyone know of any other insurance firm that they have used in Northern California that...

ashagru

Hi: I am bringing this back.

I have landed on 2 names:

1. EKAM consulting

2. ALINA Analytics

Does the group prefer #1 or #2? Would love your input.

Ashish.

ashagru

Really impressed with the responses here. Similar to naming a child in some aspects -- you want the kid to have a unique...ish name, but want people to be able to pronounce it. You want your kid to have an identity (a.k.a. available website, etc.) Thank you all! I will start the journey soon. If all...

ashagru

Thanks all for the wonderful replies. This is more interesting that I thought. Bruce had some great ideas, but many are taken. I am leaning towards NumVita -- using analytical solutions to improve life. Play on latin for numbers (numerus) and life (vita). Close to a firm called DaVita that I have co...

ashagru

Hello: I am seeking your input on naming a small (1-5 person) analytics firm that I am planning to start this year. Our firm will provide analytics and technology support to pharmaceutical firms. I have several names in my mind and would love to get the group's input if you like any of these or sugg...

ashagru

Hi all: Does anyone have a recommendation for a personal laptop? Here are my needs: 1. 90% use of Excel and Powerpoint 2. Will install packages such as Tableau, R/Shiny, etc. 3. Will use gmail 4. No games, dvds, etc. 5. Light will be good as this is a second laptop I will carry Looking in the < $500...

ashagru

hi All: Do you have some suggestions for small home printer to buy on a thanksgiving sale? Our needs are:

1. Light printing (10-15 pages a week)
2. Wi-fi enabled
3. Scanner for documents

Thanks!

ashagru

Hi all: I and my co-founder am planning to start a small consulting business with operations in Bay area and India. We will feel happy if we have 10 employees by end of 2019 (5 each in bay area and India). Work will be professional consulting to local IT firms. Some questions: 1. Does anyone have ro...

ashagru

Agree on your feedback. I realized that we will be very house poor, but due to various circumstances, this is the house we ended up in. Outside of the house, I have ~700k in savings ($250k cash, $300k in commercial property, $150k in other investments). Salary with bonus is $450k. With the above inf...

ashagru

Thanks this makes sense. With $14K in monthly expenses, it would be a good idea to have an emergency fund of $80K (6 months) unless both if you have secure jobs. Plus some money set aside for house and car repairs (etc.). So keep in $100K in savings, and then recast with what’s left if it would make...

ashagru

Hi: Good questions. I am 40 and so 20-25 more years for work. Between my wife and I, monthly take home is $16k. Monthly expenses are ~14k (mortgage, 2 kids' daycare, food, cars, etc.). Savings are mainly 401ks/529 and money invested before. Mentally, reducing the mortgage seems like a good way of in...

ashagru

Hi All: Recently, we purchased a house in a HCOL area. My monthly mortgage is ~6k. While we can afford this, I do want to reduce this to more manageable levels. Our mortgage interest rate is 3.875 on a 30-year fixed rate loan. I have ~$250k additional funds that I did not use for the downpayment. My...

ashagru

I own stock in a biotech that was bought recently by a larger firm. I did well with this stock and have made ~3k in long-term gains and ~5k in short-term gains. I am trying to minimizing my tax implication. I don't have interest in holding shares of the larger firm. 1. After the acquisition, will my...

ashagru

Hi All: My sister (42) used to work in a leading healthcare firm in US, but is now living outside US for ~8 years. My brother-in-law and her worked for ~15 years in US. They are not likely to come back. She received a letter giving her some options for taking a pension: 1. Take lump sum payment in 2...

ashagru

Hi All: I am 6-12 months away from buying a house in a HCOL (Bay area). I currently have > $100k sitting in a savings account and would like to make it work for this time while taking "low to moderate" risk. In a prior post, someone mentioned a combination of VWIUX & VCADX -- seems lik...

ashagru

As always, great advice team. Lots for me to think (and act) upon quickly.

ashagru

[Moved into a new thread from: Need help investing from India , see below. --admin LadyGeek] I have a related, but slightly different question. Background: Mother/72 is widowed and lives with me in USA since 2015. My mom has ~USD 75k in stocks and ~ USD 100k in savings (all in Indian rupees). Addit...

ashagru

All: I am originally from India, but live/work/invest in the US now. I am a firm believer in the 3 or 4-fund (keep your life simple) plan. I noticed that the Bombay stock index jumped 6x in the last 16 years (from ~5k in Jan'00 to ~28k in Jan'16). Attached chart compares the growth rates: - S&P ...

ashagru

Folks: What are key life lessons that you were/are teaching your kids at different ages? I have 2 boys (2.5 years and 8 months). As every parent, I want the best for them. I am a naturalized citizen. I am particularly interested in perspectives from folks who have older kids 20+ years old. Sub quest...

ashagru

Hi All: Thanks for the wonderful detailed replies. I can't believe you can get such good thoughts from well-meaning people. Beats any financial advisor! A few other thoughts/questions as I was thinking of this yesterday: Agree with MoneyWhisperer that for biopharma folks, SFO or BOS have a ton of op...

ashagru

All: We are considering a move to the Bay Area, purely for better job opportunities. I am not particularly excited about the HCOL/housing prices, etc. but feel that for 5-8 years, it will be a good move for us. I (39) work in healthcare consulting , wife (34) works in biotech R&D. 2 kids (2 year...

ashagru

Hi All: My mother started living with us in CA after my Father passed away in India. She is ~2 months away from getting her US Green Card. She will be 70 years old in Mar'16 and I am looking at options for getting her health insurance. The 2 options I have zoned in on so far are: 1. Medical 2. Cover...

ashagru

The speed of responses and richness of perspective/experience amazes me every time I post something on bogleheads. Fantastic people on this forum.

Thanks all

ashagru

Hi All: Avid reader of the forum. Great insights. We are a family of 4 (me, wife, older mom living with us, 15-month son). One more son on the way in Jan'16. We have a 2008 Honda Accord and a 2011 Toyota Rav4. With the increasing family, I am thinking of swapping the Accord for a 2-3 year old miniva...

ashagru

Hi All: Thanks for the quick replies. It will be difficult for us to try to see everything in the next ~6 months. My Father is suffering from cancer. As you can imagine, a lot of our energy is going in managing his care. Does anyone know of a CPA whom I can consult in the US to further get details o...

ashagru

Hi All: I have applied for US green card for my elder parents who are in India. They should get the green cards by end of 2015. They are retired and have minimal rental income in India. Over the next 1-2 years, we will see the rental houses in India as the entire family is moving to US. Has anyone d...

ashagru

What do people think of sector specific funds by Blackrock? I was looking in to ishares Biotech, ishares Tech, etc.? I know the fees are not low, but if you want to invest by sector, is this the right ETF firm to go with?

Thanks,

ashagru

Ruralavalon: From my latest Federal return, Total Taxes/Total Income comes out to be 21.82%. For California tax, the percentage is 7.23%. I am merely invested in the commercial real estate. We have a property manager managing day-day. Powermega: Appreciate your advice on TDFs & 529. Timboktoo/al...

ashagru

Debt: Yes, paying off a loan of $225k on a commercial property bought with a partner What is the interest rate on this loan? Ashish] Interest on this loan is 5.25% - $150k cash on hand Why so much cash? Ashish] I did not invest it sooner -- my mistake. I had it pile up in the bank account. Going fo...

ashagru

Hi All: A newbie to the forum. Am a beginner in thoughtful investing. I have browsed the forum, but would appreciate help for my personal finance. Thanks in advance. +++++ Emergency Funds: Yes Debt: Yes, paying off a loan of $225k on a commercial property bought with a partner Tax filing status: Mar...

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