Search found 1394 matches

by harrychan
Sun Mar 18, 2018 7:15 pm
Forum: Investing - Theory, News & General
Topic: How much money can a CPA save you?
Replies: 52
Views: 6221

Re: How much money can a CPA save you?

I see having a CPA as saving me time and time is money. I can't stand to read irs guidelines or understand the questions on any tax software. Each year I drop off a pile of paperwork from work income, wife and my side businesses, stock transactions and I'm done. Well worth the $250 each year as I'm ...
by harrychan
Sun Mar 18, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: London Hotels
Replies: 59
Views: 4441

Re: London Hotels

You won't find any much lower priced hotels just 5 minutes away from central London. Significant price differences will be some 30-40 min away which may be 10-12 stops. You can try some newer hotels or condos south of the Thames river but it's considered a bit shady part of town.
by harrychan
Sat Mar 17, 2018 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Does credit score matter if you never plan to borrow money again?
Replies: 44
Views: 4478

Re: Does credit score matter if you never plan to borrow money again?

I did have an absolete bill from a web host that went into collection and it came up during a credit check when I was in escrow for my home. The escrow reserved the $30 to pay it off but I don't recall if it was paid or not.
by harrychan
Sat Mar 17, 2018 12:43 am
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 5693

Re: Bicycle Commuting in LA - Thoughts?

Talk to some other people where you work about their experience and to get tips. Buying a bike at a shop is a good idea, but consider buying a used bike with a warranty provided by the shop. A new bike becomes a used bike very quickly, anyway. unwarranted hostility towards cyclists I'm sure that yo...
by harrychan
Sat Mar 17, 2018 12:35 am
Forum: Personal Finance (Not Investing)
Topic: Need advice re: Liberal Arts Colleges...
Replies: 235
Views: 13911

Re: Need advice re: Liberal Arts Colleges...

OP,

Do this. Create a LinkedIn account if you don't have one. Then search your target liberal arts schools your child may attend. Review what type of jobs people are doing based on the school and degree. It will give you the best data on what you are looking for.
by harrychan
Mon Mar 12, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 5693

Re: Bicycle Commuting in LA - Thoughts?

I drive in Los Angeles every day, and I don't think it's a good idea. Drivers are supposed to leave a certain distance between their vehicle and the bicycle (three feet?), but hardly anybody does that. I notice that bicycle lanes seem to disappear for no reason as well. It's really going to depend ...
by harrychan
Sat Mar 10, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Where to get money for down payment?
Replies: 13
Views: 1254

Re: Where to get money for down payment?

Wait till you save enough money to have the 20% down.
by harrychan
Sat Mar 03, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 179
Views: 20013

Re: What was your % pay raise?

This year around 3% with 18% bonus. Last year 45% bump. I switched jobs. :)
by harrychan
Thu Mar 01, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: PC Guy. Inherited a Mid-2012 MacBook Pro ($500 value). Talk me into/out of keeping it.
Replies: 37
Views: 2868

Re: PC Guy. Inherited a Mid-2012 MacBook Pro ($500 value). Talk me into/out of keeping it.

I think that model in particular is desirable because you can upgrade the SSD and RAM on your own. You can't do that with the newer ones.
by harrychan
Sat Feb 24, 2018 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Just had our offer accepted on a $1.4 Million House
Replies: 90
Views: 9895

Re: Just had our offer accepted on a $1.4 Million House

HEDGEFUNDIE wrote:
Sat Feb 24, 2018 10:41 am
Ignore everyone here telling you to rent.
Not to mention there is an extremely short supply of SFH residence in nice areas for rent. With demand comes a cost.
by harrychan
Sat Feb 24, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 13755

Re: How Far is too Far, Commuting?

Had a full time job that was WFH for about 8 years. At some point I realized that I was getting too complacent and comfortable at home. I started looking for a new job casually and got an offer for 45% more in pay but 35 miles against traffic. It takes me about 45 min to get to work but going 70mph+...
by harrychan
Mon Feb 12, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 8426

Re: I’m not renewing my Costco membership.

neilpilot wrote:
Mon Feb 12, 2018 9:54 am
If you are really bothered by that $60/year, one way to get around that is to ask a friend or family member with a Costco membership to buy you a $10-$25 prepaid cash card. You can use the cash card to get into Costco and pay for part of your purchase.
You can't do that anymore.
by harrychan
Sat Feb 10, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: what to look for when buying a flipped house
Replies: 27
Views: 2279

Re: what to look for when buying a flipped house

Find a solid home inspector and a certified electrician. Not one referred by either agents.
by harrychan
Wed Feb 07, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving HCOL state for financial reasons
Replies: 48
Views: 5476

Re: Leaving HCOL state for financial reasons

Allow me to piggyback on this question. Would not your increase in equity in HCOL home offset any savings by moving to a LCOL area?
by harrychan
Tue Feb 06, 2018 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Stay the course? Edited to Staying the course!
Replies: 22
Views: 2529

Re: Stay the course? Edited to Staying the course!

Please...

I have a friend who pulled EVERYTHING out of his 401k in 2008 citing the losses. He has yet to go back "in".

:|
by harrychan
Sat Jan 27, 2018 1:56 am
Forum: Personal Finance (Not Investing)
Topic: If you lost your job
Replies: 19
Views: 2918

Re: If you lost your job

Been fortunate to have never been laid off or fired. If I do lose my job, I would leverage all contacts I've made and ask for referrals. I'm confident that I've built a reputation where someone will put in a good word or make a few calls on my behalf.
by harrychan
Tue Jan 16, 2018 11:56 pm
Forum: Personal Consumer Issues
Topic: Need to buy new printer. Suggestions for best value?
Replies: 32
Views: 2774

Re: Need to buy new printer. Suggestions for best value?

Whatever you do, do not buy Epson. They've set it up where it disables the printer when ANY cartridge is out. I ran out of one of the color inks and it would print a few pages when you set it to print black / gray only but it would be disabled until you replace whatever cartridge is out.
by harrychan
Sun Jan 14, 2018 8:42 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 59
Views: 12830

Re: Dave Ramsey's Millionaire Study

I completed the survey a while back and look forward to the results.
by harrychan
Thu Jan 11, 2018 12:39 am
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 66
Views: 5069

Re: Men's no iron dress shirt recommendations

Banana republic for me. Each dress shirt list price is about $80 each. But they run so many promotions that you can get them for around $35 (fair price). When I am at store I would look at the clearance section and sometimes you can get one for $15+. Once you know your size and fit (Camden or Grant...
by harrychan
Tue Jan 09, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: OnePlus 5t Smartphone?
Replies: 21
Views: 1465

Re: OnePlus 5t Smartphone?

Techie here. It's a legit Android phone company who cuts the middleman by selling direct to consumer. I had the OnePlus one and now using the OnePlus 5. It's the best bang for the buck you can get on the market in my opinion. If you can wait, the OnePlus 6 is rumored to be coming out in March.
by harrychan
Sat Jan 06, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Shall I buy a one B/B apt in Bay Area? Help needed, please.
Replies: 18
Views: 1785

Re: Shall I buy a one B/B apt in Bay Area? Help needed, please.

Times are different. I would not purchase a property while on h-1b. There are just too many unknowns.
by harrychan
Wed Jan 03, 2018 10:12 pm
Forum: Personal Consumer Issues
Topic: 2016 Nissan Pathfinder S with 3rd row seat
Replies: 11
Views: 974

Re: 2016 Nissan Pathfinder S with 3rd row seat

We had the 2014 pathfinder and would not recommend it. We didn't have any major issues but the drive wasn't very smooth. I would recommend looking at Acura MDX or Toyota Highlander for the same specs.
by harrychan
Wed Jan 03, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Do you have a antivirus for you Android phone?
Replies: 20
Views: 1703

Re: Do you have a antivirus for you Android phone?

No because I can easily sideload recovery (TWRP) and restore from backup using Nandroid.
by harrychan
Tue Jan 02, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Request your suggestion - current job Vs. New job
Replies: 35
Views: 2628

Re: Request your suggestion - current job Vs. New job

Apologies. That's the part where its not similar.
by harrychan
Tue Jan 02, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Request your suggestion - current job Vs. New job
Replies: 35
Views: 2628

Re: Request your suggestion - current job Vs. New job

I can relate as I was in a similar situation as you exactly a year ago except mine was a bit more clear. The job I was leaving was a full time telecommute position. The new job offer I got required me to commute to an office 45 min away but with a 45% pay bump. Had it been only under 20% bump, I may...
by harrychan
Mon Jan 01, 2018 11:28 pm
Forum: Personal Consumer Issues
Topic: Long Term House—Any Regrets on things you didn’t do?
Replies: 48
Views: 6662

Re: Long Term House—Any Regrets on things you didn’t do?

Nice thread. 7 years in this SFH originally built in 1945. Win: Recessed lights. Spent about $120/light and it was the best money we soent. I cannot imagine how the previous owners got by with just lamps. Miss: Upgrade the electricals. Now that we are moved in, we would have e to move out and reloca...
by harrychan
Fri Dec 29, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 13900

Re: Another should i buy my dream porsche thread...

Looking to spend about 100k on a new 911. Can i afford it? Would you do it? Not lookin no to buy outright but finance the car. I am 39 years old. Income about 250k per year. (Just for a big raise last year) 140k liquid savings 250k in retirement 400k equity in the home (currently worth around 900k)...
by harrychan
Wed Dec 27, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Would you sign a non-compete for a side-gig consulting agreement?
Replies: 44
Views: 2717

Re: Would you sign a non-compete for a side-gig consulting agreement?

Ask them for a list of “sensitive competitors” that the non compete would apply to. At least two of my former employers had a list of “sensitive competitors” distributed to management. If you gave notice to go to one of those, they would walk you out the door immediately (they still had to pay you ...
by harrychan
Wed Dec 27, 2017 12:33 am
Forum: Personal Consumer Issues
Topic: Galaxy S7 from ebay?
Replies: 11
Views: 1322

Re: Galaxy S7 from ebay?

I wouldn't. If you read the fine print, phones on ebay are gray market phones which do not have warranty in the US. If it fails then you will have no recourse. If you insist on buying, you can consider buying 3rd party warranty such as squaretrade.
by harrychan
Tue Dec 26, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should we downsize?
Replies: 42
Views: 3405

Re: Should we downsize?

I wouldn't downsize. The end game doesn't have to be to pay off your mortgage. In most places, desirable homes in great locations will add more equity always be desirable. Case in point, when we bought our home in a HCOL area we had the option of buying a cheaper townhouse for $450-500k or stretch a...
by harrychan
Mon Dec 25, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: manual car for new teen driver
Replies: 143
Views: 8023

Re: manual car for new teen driver

Maybe a Subaru Forester or legacy. You should be able to find 2010 models that are MT under $10k.
by harrychan
Sun Dec 17, 2017 1:25 am
Forum: Personal Consumer Issues
Topic: Buying a new sofa with two young kids?
Replies: 36
Views: 2816

Re: Buying a new sofa with two young kids?

Get leather. Our leather couch has stood the test of time with spills, ink, you name it.
by harrychan
Sat Dec 16, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Best place to get a Suit
Replies: 21
Views: 1980

Re: Best place to get a Suit

davidkw wrote:
Sat Dec 16, 2017 2:17 am
I always get my suits from Macy's and i get my dress pants from there too.
For cheap suits, I get them from Macy's. They usually have steep discounts where you can get suit and pants for $150. I also have 3 suits that were tailored.
by harrychan
Sun Dec 10, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to live on one income?
Replies: 70
Views: 6439

Re: Can we afford to live on one income?

A bit house poor. As you say, it is manageable but with very little wiggle room. Is your taxable considered your emergency fund? What is your income projection in the next 3 years? I left a cush 6 figure work from home job and got 45% raise by switching jobs so my wife could stay at home for 3 years...
by harrychan
Sun Nov 26, 2017 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 13165

Re: Didn't buy Bitcoin at $4600

I started hearing about BTC back in 2011 when I cam across an article. As a techie, I researched ways to mine it. After a few weeks, I gave up and thought about just buying it. Back then it was roughly $1.30. I never followed through as there weren't many open markets to buy.
by harrychan
Fri Nov 24, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: Any tips on gifts for employees?
Replies: 14
Views: 1421

Re: Any tips on gifts for employees?

Thanks for the tips. I will accompany each gift with a hand written card. We also combine thanksgiving and christmas and call it 'holiday' party. I think I will do nice slim ties for the guys and luxury hand soap for the ladies. Gift cards just seem so impersonal.
by harrychan
Thu Nov 23, 2017 6:43 pm
Forum: Personal Consumer Issues
Topic: Any tips on gifts for employees?
Replies: 14
Views: 1421

Any tips on gifts for employees?

I manage a team of 14 people with equal mix of men and women. Budget is under $25/person. Any good ideas aside from the typical ones like gift card or wine? I would like to give something thoughtful. What are gifts you received from your boss that you appreciated? If it matters, this is coming from ...
by harrychan
Thu Nov 23, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Public or Montessori Private School
Replies: 60
Views: 5138

Re: Public or Montessori Private School

We were faced with a similar dilemma a few years ago. Our older son was well ahead of his peers. For K, we went ahead and put him into a private school and he did very well. For 1st grade, we decided to give our public school a try. After all, it is a blue ribbon school that was recognized in the st...
by harrychan
Sun Nov 19, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 18289

Re: Dave Ramsey says don't use credit cards, even if you pay them off

if you have the discipline to regulate your spending then I think you are fine with using credit cards. With that said, I tend to agree with DR as many Americans, who are in debt, use credit card as overflow or buy things they can't afford. If you look around, credit card companies make it easy for ...
by harrychan
Sun Nov 19, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 7380

Re: How much do you budget for vacation?

Family of 4 with two young kids. 2017, we will spend roughly $15k in vacation. One international which cost us about $12k and a bunch of mini ones to places like San Diego or Orange County.
by harrychan
Sat Nov 18, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?
Replies: 49
Views: 30947

Re: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?

I would try another Costco. I also recently got glasses at Costco and the prescription was too strong. I tried a few weeks to see if I would get used to it but I still got minor headaches. Busy-ness got the best of me and I didn't get a chance to go back to ask for a lower prescription till past the...
by harrychan
Sat Nov 18, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Volunteer to be laid off? [OP Update]
Replies: 38
Views: 4203

Re: Volunteer to be laid off?

Most companies would not offer top tier severance package for employees who volunteer and be better to hold off. Your company seems to be quite generous in terms of severance so I don't see any downside. I do however foresee they refusing to accept your offer until they understand the leadership str...
by harrychan
Sat Nov 11, 2017 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: $23k credit card emergency
Replies: 76
Views: 9590

Re: $23k credit card emergency

Another vote for Dave Ramsey. If you aren't too sure, go and try a few podcasts. You will find a lot of people calling in that will be similar to your situation. His pathway to getting out of debt is proven and extremely simple to follow. I've helped many people get out of debt by recommending his p...
by harrychan
Thu Nov 02, 2017 11:07 pm
Forum: Investing - Theory, News & General
Topic: Regret of selling winning stocks early
Replies: 64
Views: 9640

Re: Regret of selling winning stocks early

My previous company's ESPP stock went as high as $150 then dropped till $9 at the dotcom bust. I put 30% of my salary into the espp for 6 months then cashed out when it went up to $80. It helped with my downpayment for my house. When I left the company earlier this year, it dropped back down to $30 ...
by harrychan
Mon Oct 30, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 15240

Re: Request for Promotion letter to Senior Management

If the purpose of the letter is to document your request, then I think a much more effective approach would be to have a meeting first , and then follow up the meeting with a letter or email documenting your discussion. This way you go in much stronger with a meeting first (the letter seems like a ...
by harrychan
Sun Oct 29, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 15240

Re: Request for Promotion letter to Senior Management

I'm also an IT program manager for a major healthcare group so I can somewhat relate to you. I read your letter and as much as you have listed your accomplishments, you haven't defined what you did above and beyond. What were the quantifiable achievements strictly due to your involvement? You only s...
by harrychan
Tue Oct 24, 2017 11:22 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 141
Views: 12660

Re: Anyone planning on getting the new Pixel phone?

I thought about getting the Pixel 2 XL but once I saw the price, I went and bought the OnePlus 5. Great reviews, battery life, stock Android experience at just over $500 for 128GB. Great deal imo. Have the same phone and love it This worried me though and it's why I'm willing to spend more to stick...
by harrychan
Sat Oct 21, 2017 10:43 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 141
Views: 12660

Re: Anyone planning on getting the new Pixel phone?

I thought about getting the Pixel 2 XL but once I saw the price, I went and bought the OnePlus 5. Great reviews, battery life, stock Android experience at just over $500 for 128GB. Great deal imo.
by harrychan
Sat Oct 14, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 84
Views: 12338

Re: New mattress

Best is to go and try it yourselves. Don't blindly go with the hype of say foam mattress without really trying it. Two of my close friends recently got foam mattress. One was temperpedic which can go $2500 and another from Costco for $700. Both swear by how amazing it is. DW and I tried it at sears ...
by harrychan
Sat Oct 14, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Another Job Offer Dilemma
Replies: 13
Views: 1960

Re: Another Job Offer Dilemma

Honestly, insufficient info. Offer #1 with the RSU is enticing but also risky. Can you occasionally WFH? If I were young and without any family, I may go with offer #1. If you were a bit older (40+) and with family, probably go with offer #2.