Search found 226 matches

by sksbog
Fri Dec 22, 2017 6:52 pm
Forum: Investing - Theory, News & General
Topic: Happy New Year. Congratulations on your progress! What success tips do we pass on to others?
Replies: 20
Views: 2449

Re: Happy New Year. Congratulations on your progress! What success tips do we pass on to others?

01) Live well below your means and invest at least 20% of your gross a year. 02) Avoid getting married as it is an uncontrollable risk factor. 03) Target retiring in your mid 40s with a contingency plan of 50 and another contingency of 55. 04) Choose your state of residence carefully. MrPotatoHead ...
by sksbog
Wed Dec 13, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Is it good idea to buy yearly maintenance from HVAC company
Replies: 14
Views: 1842

Is it good idea to buy yearly maintenance from HVAC company

My heat pump malfunctioned.
Now I got two quotes.


$427 with 1 year of membership of 24 dollars a month (270 /yr). Comes with discounts on future repairs and 2 free yearly checkups.

Or

$497 without membership.

I went with 497.
Thoughts?
by sksbog
Mon Dec 11, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless: What are the gotchas?
Replies: 38
Views: 2960

Re: Cricket Wireless: What are the gotchas?

Cricket wireless customer for three years. I love their service.

You can do tethering as long as your phone offers.
WiFi calling if you buy their phone.

I always buy my phone with full price and outside of their store.
by sksbog
Fri Dec 01, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Older Software Engineer Advice ~ Languages?
Replies: 41
Views: 4098

Re: Older Software Engineer Advice ~ Languages?

In my experience, certifications pay a lot of dividends in IT.
whatever you choose to do, language, or cloud or both, keep certification as end goal in mind.
by sksbog
Mon Nov 27, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: I have Microsoft Office 2007. Should I upgrade?
Replies: 37
Views: 2599

Re: I have Microsoft Office 2007. Should I upgrade?

yes, absolutely.
the older versions you have (unsupported) , the more vulnerable you are, for being hacked.
by sksbog
Sun Nov 26, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Are there any unspoken rules to "keep in touch" with previous boss?
Replies: 21
Views: 3150

Are there any unspoken rules to "keep in touch" with previous boss?

When I was leaving my previous job, my boss was very surprised that I am leaving the position. Although, he did not counter offer me the current position, he did repeatedly mentioned to me to "keep in touch" and "let me know in future if you need anything". I did leave the firm, which added 2 hours ...
by sksbog
Sun Nov 12, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 142
Views: 14804

Re: Do you meditate?

Interesting read on mindfulness.
Book: The Mindfulness Edge
Author : Matt Tenney

https://www.amazon.in/Mindfulness-Edge- ... 1119183189
by sksbog
Tue Oct 17, 2017 7:04 pm
Forum: Investing - Theory, News & General
Topic: How to learn about financial statement analysis?
Replies: 31
Views: 3759

Re: How to learn about financial statement analysis?

I learned from this book _- Seeing the big picture by Kevin cope Author takes a case study of a small business being set up by an entrepreneur and keeps expanding it until it becomes an enterprise. At each stage, Kevin details about cash flow and balance sheet and how it looks like. I enjoyed readin...
by sksbog
Sun Sep 17, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 33810

Re: Iphone X is $1000

Excellent time to buy iPhone 6 or 6+ :D
by sksbog
Sat Sep 16, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: Why are so many Chinese visiting my website?
Replies: 24
Views: 6549

Re: Why are so many Chinese visiting my website?

You can block visitors from other continents /regions or countries. Alternatively you can only allow us visitors.

Pm me if you need details on how. I will point you to the documentation from amazon/azure.
by sksbog
Fri Aug 11, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Maxed out 401K now switched job. New employer auto enrolled in 401K.
Replies: 7
Views: 1685

Maxed out 401K now switched job. New employer auto enrolled in 401K.

Hello Bogleheads, Earlier this year, i was afraid of getting laid off. So I aggressively contributed to my 401 K, in order to front load it, just in case I loose my job. Fast forward now, I have contributed max 18K to my 401 with previous employer and started working for a new employer who matches 6...
by sksbog
Tue Aug 08, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 162
Views: 21099

Re: Replace car battery after X years or wait till it dies?

sam's club can check the remaining juice, for free :) Good Luck !
by sksbog
Mon Jul 17, 2017 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Do you guys accept first Job offer or negotiate?
Replies: 26
Views: 2658

Do you guys accept first Job offer or negotiate?

After struggling and trying to switch for past few months, I got couple of job offers. Yeah, lot of hard work, countless hours of studying and phone interviews gone into this. One company, that I am not interested in joining , I will refuse to join. The second company, did a very good first offer ( ...
by sksbog
Sat Jul 08, 2017 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Help me with potential new job situation
Replies: 13
Views: 1387

Re: Help me with potential new job situation

Thanks Everyone ! Lot of good advise for now and to keep notes for future :)
by sksbog
Sat Jul 08, 2017 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Help me with potential new job situation
Replies: 13
Views: 1387

Re: Help me with potential new job situation

Thanks @MutualEdge, CaliJim.

How to respond when the recruiter will say" You seem very much interested when we spoke earlier. Why do you need time? What do you want to think about?"
by sksbog
Fri Jul 07, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Help me with potential new job situation
Replies: 13
Views: 1387

Help me with potential new job situation

After failed attempts to attain meaningful (& interesting) work at my current company, I decided few months ago to look for another job. I started giving many phone interviews and finally secured 3 face-to-face interviews. Coincidentally, these interviews are lined up within a day or two from each o...
by sksbog
Fri Jul 07, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: What do you use to capture/save web pages for archival purposes?
Replies: 9
Views: 1070

Re: What do you use to capture/save web pages for archival purposes?

MS OneNote comes default with most newer PCs.
You could send the prinout to OneNote and there it has features to organize the articles you capture.
by sksbog
Mon Jul 03, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Hearing aid help
Replies: 16
Views: 2772

Re: Hearing aid help

I have been using hearing aid from costco for 7 years now. A year ago, I tried to switch to an good audiologist nearby. Let me tell, you, my experience. Most Private audiologists would charge for adjustments and cleaning/consultation. They would give a visit or two free, but not follow-ups and aid-d...
by sksbog
Mon May 15, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 8836

Re: The recent WannaCry ransomware

The march software update from windows have proofed the ransomware. The affected machines had not applied that update.
by sksbog
Fri Apr 21, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Improving my Math Skills
Replies: 27
Views: 4054

Re: Improving my Math Skills

backslash2718 wrote:I'd check out Khan Academy, and watch the videos that you feel you are lacking knowledge in. I watch his videos from time to time.
+1
by sksbog
Mon Apr 10, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Car collision repair advice
Replies: 7
Views: 757

Re: Car collision repair advice

How much are your deductibles? I'm guessing this would be covered under "comprehensive" coverage and not "collision", and the deductible will be lower. I don't know the shops or business climate where you live, but in many trades, you can negotiate a discount by paying cash and not making the shop ...
by sksbog
Mon Apr 10, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Car collision repair advice
Replies: 7
Views: 757

Re: Car collision repair advice

CorradoJr wrote:We need more details:

What make/model/year of the car?
Honda Accord - Sport
by sksbog
Mon Apr 10, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Car collision repair advice
Replies: 7
Views: 757

Car collision repair advice

Fellow Bogleheads, Today when I was about to take my kid to daycare, I or Kid forgot to shut the car door and I backed up in garage. The door is damaged and is not closing. Having said that, last year i had a major claim (car totaled, my fault) and my insurance company has jacked up premiums quite a...
by sksbog
Mon Mar 13, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tax saving question - newbie
Replies: 4
Views: 646

Re: Tax saving question - newbie

sign up for HSA and max it out.
have 529 plan and take classes, go back to school.
produce / adopt kids :) [ btw, I am up for adoption ;)]
by sksbog
Wed Mar 08, 2017 10:35 pm
Forum: Personal Consumer Issues
Topic: Safest way to encrypt pdf tax documents to send via email?
Replies: 40
Views: 7505

Re: Safest way to encrypt pdf tax documents to send via email?

you can use PGP via mailvelope utility,
instructions are here under mailvelope

https://www.nytimes.com/newsgraphics/20 ... n=top-news
by sksbog
Fri Mar 03, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: How to ask back the book I lent to a Director?
Replies: 45
Views: 3936

How to ask back the book I lent to a Director?

Hello Bogleheads, Few months back, actually, its around Thanksgiving last year, I helped a director from a different business unit, a few grades above me. TO help her with team related issues, I helped her with ideas on solutions and also lent her a really nice book for her to read. Since, then I me...
by sksbog
Sun Jan 08, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: Protecting information on cell phone
Replies: 10
Views: 1360

Re: Protecting information on cell phone

i would 1. register with samsung remote, if you have samsung android. if you loose your phone, you can sort of erase remotely, (website claims) 2. use evernote to keep encrypted info. you can deregister the phone in evernote website, in case you loose the phone. I would not focus on "find my phone" ...
by sksbog
Fri Jan 06, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to best afford IVF [In Vitro Fertilization]
Replies: 55
Views: 7260

Re: How to best afford IVF

we used integramed, used 3 tries and fourth one worked.

covers 6 tries with one flat price , 33k or something.

read ur contract carefully, those people are investors. good luck !
by sksbog
Fri Jan 06, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: Virtual Machines for Finances, etc.
Replies: 22
Views: 2102

Re: Virtual Machines for Finances, etc.

which VM software do you use?
by sksbog
Thu Dec 01, 2016 10:39 pm
Forum: Personal Consumer Issues
Topic: Long ethernet cable or wireless?
Replies: 81
Views: 8804

Re: Long ethernet cable or wireless?

Let me cover the two concerns one at a time. 1. security. i agree wired connection is the secure way, if you turn off wireless. period. however, you can expect reasonable security with wireless if you follow standard recommendations like mentioned below. please not that these are just examples not a...
by sksbog
Sun Oct 30, 2016 11:34 am
Forum: Personal Consumer Issues
Topic: Printer/Copier recommendation for home use
Replies: 18
Views: 2386

Re: Printer/Copier recommendation for home use

I have leXmarks black and white Lazer printer for last night 10 years. :D works well with generic cartridge.
by sksbog
Thu Aug 25, 2016 11:08 am
Forum: Personal Consumer Issues
Topic: Four years old spilled dark nail Polish on carpet
Replies: 8
Views: 1698

Four years old spilled dark nail Polish on carpet

My four years old daughter spilled dark nail Polish on carpet. It's pretty bad. Saw some youtube videos but really not sure what really works.
Has anyone of you had such experience before? Please share what worked out for you?
by sksbog
Wed Aug 24, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: AC blower motor died. need replacement
Replies: 20
Views: 2200

Re: AC blower motor died. need replacement

Just found out The air handler in my HVAC has ECM.
by sksbog
Wed Aug 24, 2016 12:54 pm
Forum: Personal Consumer Issues
Topic: AC blower motor died. need replacement
Replies: 20
Views: 2200

Re: AC blower motor died. need replacement

I meant home air conditioner, not automotive.
apologies, for not being clear.
by sksbog
Wed Aug 24, 2016 9:14 am
Forum: Personal Consumer Issues
Topic: AC blower motor died. need replacement
Replies: 20
Views: 2200

AC blower motor died. need replacement

Yesterday, my carrier AC unit's blower motor died. The repair guy called the company, and sure enough, this February, 5-year warranty expired.
The new unit costs $840 including taxes.
What are my options? Need to fix this quickly, as its 95-degree weather outside.
by sksbog
Thu Aug 18, 2016 8:12 am
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 75
Views: 13263

Re: AT&T Mobile Users: Check your plans

Guys this is a great opportunity to get out of stinky contracts :)
by sksbog
Wed Aug 10, 2016 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: okay to leave deposit on vehicle?
Replies: 30
Views: 2760

Re: okay to leave deposit on vehicle?

if i have to leave deposit, i would leave $500 with a credit card. i have done this and usually, dealers allow very small amount on CC. Benefit of this is , if you encounter unexpected's later and want to back out and if dealer doesn't return the deposit, you have leverage to dispute it with CC bank...
by sksbog
Sun Jun 12, 2016 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Sell or Rent it out
Replies: 9
Views: 1536

Sell or Rent it out

My Neighbor bought his house for $205K. Now He is selling it out for $275K after four years, which he will most likely get $70K tax free - the relater fee 3.75%. Option I Would it make sense to rent it out. If he chooses to do so he would be renting with cashflow positive: $1600 Rent - $1000 Mortgag...
by sksbog
Tue May 03, 2016 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Help me vet criteria for selecting used car
Replies: 4
Views: 566

Help me vet criteria for selecting used car

1. consumer reports said Lexus ES , prius, Acura and honda civic are best bet on used cars, if you look at last 3 years. 2. budget <=$16,000 + tax fees 3. requirement, rear view camera and reliability, safety. 4. with this budget, it leaves me, 2013 honda civic. (carmax) Below are my options: choice...
by sksbog
Tue Apr 26, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Car wreck with ambulance bill. Is it wise to use auto insurance for medical payments?
Replies: 17
Views: 2236

Re: Car wreck with ambulance bill. Is it wise to use auto insurance for medical payments?

the medical coverage would limit to 5K , upon which the health insurance would kick in.
by sksbog
Mon Apr 25, 2016 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Car wreck with ambulance bill. Is it wise to use auto insurance for medical payments?
Replies: 17
Views: 2236

Re: Car wreck with ambulance bill. Is it wise to use auto insurance for medical payments?

Post by GreenGrowTheDollars ┬╗ Mon Apr 25, 2016 6:37 pm i've been in this situation. I would not claim against your auto insurance for medical yet -- let your medical insurance company do that. I claimed immediately against my auto insurance, and as a result, everything was charged at rack rates (do...
by sksbog
Mon Apr 25, 2016 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Car wreck with ambulance bill. Is it wise to use auto insurance for medical payments?
Replies: 17
Views: 2236

Car wreck with ambulance bill. Is it wise to use auto insurance for medical payments?

Hello Bogleheads, I have been in a wreck this morning with substantial damage to my car and the other. It may be my fault. I have given an option from my insurance company to send medical bills to them including ambulance charges , x-ray , Dr charges etc. I am feeling okay health wise. Is it wise to...
by sksbog
Wed Apr 20, 2016 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance For non-US-citizen visiting parents
Replies: 1
Views: 470

Insurance For non-US-citizen visiting parents

Hello All, would like to know where is the best place to buy traveler's health insurance for visiting parents? I read some of the verbiage on quots from http://www.visitorscoverage.com/visitor-insurance/ The disclaimer's are so scary that they could deem anything as "pre-existing" conditions under -...
by sksbog
Mon Apr 18, 2016 10:49 am
Forum: Investing - Help with Personal Investments
Topic: US Citizen based in Hong Kong with local wife. Which account and broker to use?
Replies: 6
Views: 1343

Re: US Citizen based in Hong Kong with local wife. Which account and broker to use?

schwab
1. all atm fees are refundable
2. capital one world mastercard, no international transaction fees.
by sksbog
Mon Mar 28, 2016 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation - should I rent a small suv
Replies: 20
Views: 2133

Vacation - should I rent a small suv

I drive an outback. For a vacation trip coming this summer, about 300-400 miles for 3-5 days, would it be more cost effective to rent a car or just use mine?

I have heard that considering regular maintenance cost, and wear and tear, it comes more economical to rent.

Not sure if that's true.
by sksbog
Sat Feb 20, 2016 11:12 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 533
Views: 80815

Re: Free Windows 10 Upgrade, Yes or No?

I have been in IT for 20 years . It's never a good idea to jump to a new version within 6 months to a year. Unless you have a compelling reason like security or software need. Besides this be prepared to loose many windows 7 built-ins like movie maker etc. I would let the software mature by public q...
by sksbog
Mon Feb 08, 2016 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Need advice - Employer withdrew accepted offer
Replies: 50
Views: 7480

Re: Need advice - Employer withdrew accepted offer

this would make a great news story and make her in front of local tv stations.
I would call local t.v stations and let them know this happened.
by sksbog
Fri Feb 05, 2016 9:42 pm
Forum: Personal Consumer Issues
Topic: Where to buy Subaru Outback Accessories
Replies: 7
Views: 1155

Where to buy Subaru Outback Accessories

Just bought a subaru outback. Very happy with it.

Don't want to pay dealer $50 for cargo net.
Any suggestions as where to buy accessories like cargo net, bike stand etc.

Thanks