Search found 1775 matches

by wander
Sun Aug 02, 2015 4:02 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 234
Views: 19486

Old school

I keep using Windows 7 for now to save myself from possible mishap.
by wander
Sat Aug 01, 2015 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Should I go federal government at age 40?
Replies: 15
Views: 2221

Re: Should I go federal government at age 40?

You can also get higher paid working for the government.
by wander
Sat Aug 01, 2015 5:00 pm
Forum: Investing - Theory, News & General
Topic: Ready to Give Up on Emerging Market Stocks?
Replies: 47
Views: 4496

Re: Ready to Give Up on Emerging Market Stocks?

I have about 10% Emerging markets in my portfolio and it will stay that way.
by wander
Sat Aug 01, 2015 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Should I roll my 401k to Wells Fargo or Fidelity?
Replies: 13
Views: 830

Re: Should I roll my 401k to Wells Fargo or Fidelity?

Nowadays, any institution offers low cost index funds, you will do fine anywhere if you know what you are doing.
by wander
Fri Jul 31, 2015 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Who are you able to share good financial news with?
Replies: 80
Views: 5016

Re: Who are you able to share good financial news with?

I would share it to my DW only, never with my co-workers.
by wander
Fri Jul 31, 2015 6:25 am
Forum: Personal Consumer Issues
Topic: Router Upgrade
Replies: 42
Views: 2728

Re: Router Upgrade

Do you need a better router? Most people should be fine with a N router unless you transfer a lot of files from computer to computer . You mentioned "remote desktops" which I take to mean just computers connected to the router wirelessly (remote desktop usually refers to something else). ...
by wander
Tue Jul 28, 2015 8:18 pm
Forum: Personal Consumer Issues
Topic: MacBook Air losing power
Replies: 19
Views: 1352

Re: MacBook Air losing power

Barefootgirl wrote:I am curious if this has happened to any of you and what was determined to be the cause?

Mine is about 2 year old and the battery is still running normal. I often left its battery drained unintentionally.
by wander
Tue Jul 28, 2015 12:51 pm
Forum: Personal Consumer Issues
Topic: Low mileage oil change
Replies: 37
Views: 3714

Re: Low mileage oil change

An oil change a year or 3000 mile whichever comes first won't hurt.
by wander
Tue Jul 28, 2015 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Geico Auto Insurance
Replies: 63
Views: 3634

Re: Geico Auto Insurance

I have GEICO insurance for 13 years but I have not claimed so I do not really know much about the detail. But, I am with Geico because its premium is cheaper than others.
by wander
Tue Jul 28, 2015 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Can I retire early?
Replies: 25
Views: 4628

Re: Can I retire early?

Yes, you can in three years.
by wander
Tue Jul 28, 2015 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Penny Stocks
Replies: 23
Views: 1632

Re: Penny Stocks

I am done with penny stocks many years ago.
by wander
Tue Jul 28, 2015 9:06 am
Forum: Personal Consumer Issues
Topic: Fuel injector cleaning
Replies: 23
Views: 1180

Re: Fuel injector cleaning

I pour techron in fuel tank every 5 - 10k miles. My cars are at 230k and 350k miles right now. Not sure if any of it helps but I do follow advice.
by wander
Tue Jul 28, 2015 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Where do you keep/park your emergency fund?
Replies: 53
Views: 5538

Re: Where do you keep/park your emergency fund?

My emergency fund is in bond section of my portfolio.
by wander
Sun Jul 26, 2015 4:19 pm
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 184
Views: 11812

Re: Would you look down on a co-worker for driving a beater?

I don't really pay attention to what car they are driving; and I don't care if they talk about my car.
by wander
Sat Jul 25, 2015 9:09 pm
Forum: Investing - Theory, News & General
Topic: Where do you put your cash?
Replies: 64
Views: 7856

Re: Where do you put your cash?

I do not have cash so I do not have a place to keep it. If there is any available, it is marked for investing in equity or bonds.
by wander
Thu Jul 23, 2015 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: I'm a spender?
Replies: 44
Views: 5782

Re: I'm a spender?

So the last couple of months, upon being paid, I have immediately transferred large amounts of money to pay down my student loans, to the point where I am living paycheck to paycheck (not really, but you know what I mean.) This seems to be a trick... I'm "spending" the money, but to pay d...
by wander
Thu Jul 23, 2015 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: honda civic or Prius?
Replies: 86
Views: 7249

Re: honda civic or Prius?

If we were comparing the Prius to a Bentley or Tesla, I could see it. But a Corolla ? Corollas are not beautiful cars. Most cars are basic cars and look like basic cars. If you want an automotive work of art, you need to spend three or four times what you would on a Prius. Then again, why does anyo...
by wander
Thu Jul 23, 2015 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Blue chip or index Funds? Well, would ya Punk?
Replies: 20
Views: 2280

Re: Blue chip or index Funds? Well, would ya Punk?

I think you probably cannot find your answer here since most bogleheads are buy-and-hold and re-balance investors.
by wander
Wed Jul 22, 2015 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Family budget advice
Replies: 14
Views: 1847

Re: Family budget advice

No electric? I would drop cable and lower phone bill.
by wander
Wed Jul 22, 2015 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: honda civic or Prius?
Replies: 86
Views: 7249

Re: honda civic or Prius?

I want to buy a Prius to save money on fuel, but it's ugly for my taste.
by wander
Wed Jul 22, 2015 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Parent caught up in forex (vietnamese dong) scam... What should I do?
Replies: 44
Views: 5376

Re: Parent caught up in forex (vietnamese dong) scam... What should I do?

pierremonfrere wrote:Has anyone else run into this situation with their family members? How did you deal with it?
It is an old scam and not about vietnamese dong, but The Iraqi Dinar Scam.
by wander
Tue Jul 21, 2015 6:45 pm
Forum: Personal Consumer Issues
Topic: 2007 Toyota Camry Issue
Replies: 20
Views: 1569

Re: 2007 Toyota Camry Issue

DSInvestor wrote:If going in to do a water pump, should the timing belt be done as well? I believe these two things are commonly done together as you have to remove the same stuff to get affected parts.

No, you can replace the water pump easily without timing belt in the picture.
by wander
Mon Jul 20, 2015 6:26 pm
Forum: Personal Consumer Issues
Topic: 2007 Toyota Camry Issue
Replies: 20
Views: 1569

Re: 2007 Toyota Camry Issue

Bulldawg wrote:Double check , but I think the 2007 Camrys have timing chains instead of belts .,,,

Camry V6: 2007-Up: Chain
Camry 4 cylinder: 2002-Up : Chain
Agree with other posts, water pump is more important than strut. Strut is for comfortability.
by wander
Sat Jul 11, 2015 11:40 am
Forum: Personal Consumer Issues
Topic: Best Cell Plan?
Replies: 45
Views: 5623

Re: Best Cell Plan?

I see nobody mentions Scratch Wireless yet. Here is the link to its web site.
And Google Fi project.
by wander
Sun Jun 28, 2015 9:17 am
Forum: Personal Consumer Issues
Topic: Upgrading to Windows 10?
Replies: 23
Views: 2564

Re: Upgrading to Windows 10?

I wouldn't upgrade to anything unless some specific programs require software upgraded to run.
by wander
Sat Jun 27, 2015 10:50 pm
Forum: Investing - Theory, News & General
Topic: "Target Date Funds Are Riskier Than You Think"
Replies: 45
Views: 7035

Re: "Target Date Funds Are Riskier Than You Think"

All I can say is target funds is one of the best ideas about investing.
by wander
Sat Jun 27, 2015 8:52 am
Forum: Personal Finance (Not Investing)
Topic: HSA Bank -- tried to assess ridiculous, trivial fee
Replies: 9
Views: 1556

Re: HSA Bank -- tried to assess ridiculous, trivial fee

I logged in my HSA Bank account last few days and saw the balance was zero which was not what I expected. Last week, I called them because they transferred my money twice to TD Ameritrade and understood that there were computer glitches. I have not called them this time because I think they need tim...
by wander
Fri Jun 26, 2015 6:16 pm
Forum: Personal Consumer Issues
Topic: Google Map: How To See Traffic Far Away
Replies: 25
Views: 2101

Re: Google Map: How To See Traffic Far Away

Download the Waze GPS navigation app. The algorithm uses crowd sourced real time traffic updates. It's pretty good and has routed us around accidents minutes after it happens. It was actually acquired by Google. I second using Waze. Great app! Way better than any other GPS / traffic app I've used. ...
by wander
Thu Jun 25, 2015 4:22 pm
Forum: Personal Consumer Issues
Topic: Do you buy used cars like a Boglehead actually should?
Replies: 168
Views: 19804

Re: Do you buy used cars like a Boglehead actually should?

Similar to other posts, I am a fan of buying new and driving it as long it can still function properly.
by wander
Thu Jun 25, 2015 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's so so customer service
Replies: 51
Views: 5660

Re: Vanguard's so so customer service

I planned to become a Vanguard customer but after interacting with their customer service 3 times during the past week, I'm starting to wonder if it would be a good idea to invest with them. I have been investing with Vanguard for quite sometimes, but I have never called its customer service. Its o...
by wander
Thu Jun 25, 2015 3:17 pm
Forum: Investing - Theory, News & General
Topic: Did 2008 change your investing strategy?
Replies: 58
Views: 5453

Re: Did 2008 change your investing strategy?

2008 event changed my equity/bond asset allocation. I used to be 100% in equity before that.
by wander
Thu Jun 25, 2015 2:41 pm
Forum: Personal Consumer Issues
Topic: Vehicle suggestions for Tall?
Replies: 44
Views: 3310

Re: Vehicle suggestions for Tall?

I was going to suggest Lexus LS but you mentioned about mini cooper so It looks like you have a lot of options between the two.
by wander
Thu Jun 25, 2015 2:38 pm
Forum: Investing - Theory, News & General
Topic: When saving money becomes an irrational obsession
Replies: 146
Views: 24529

Re: When saving money becomes an irrational obsession

A friend of mine always refuels his car at cheapest gas station in town. I, OTOH, refuel at whichever top-tier gas station that is convenient for me. He may save a dollar or two each time, but I don't see how one can get rich that way and it does not make sense to (sometimes) drive across town in or...
by wander
Thu Jun 25, 2015 8:49 am
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 190
Views: 15777

Re: Convince me not to buy Porsche

If you buy a Porsche for the DCT, then you can also have fun with a VW car with DSG for half the cost.
by wander
Wed Jun 24, 2015 7:00 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 27882

Re: What ratio are you stocks/bonds and how old are you?

Equity = 130 - age (still working)
Equity = 120 - age (at retirement)
by wander
Wed Jun 24, 2015 5:55 pm
Forum: Personal Consumer Issues
Topic: Money arguments with spouse and how did you resolve
Replies: 72
Views: 8825

Re: Money arguments with spouse and how did you resolve

Having an argument with spouse over the need to send $3k to a cousin. Spouse insists that cousin is in cash crunch and will repay in 2 weeks or sooner. Apparently they are getting a bonus check next pay period and will be able to cover the $3k. I have been arguing that we don't want to be someone's...
by wander
Sun Jun 21, 2015 2:45 pm
Forum: Personal Consumer Issues
Topic: Rear ended another vehicle
Replies: 11
Views: 1770

Re: Rear ended another vehicle

I would not report it. In some states, you must report if the damage is over $500. It doesn't look like it in this case.
by wander
Sun Jun 21, 2015 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: 15% of income to invest question
Replies: 25
Views: 2889

Re: 15% of income to invest question

jeremyl wrote:When investing 15% of your income for retirement should I include my employer match (5%) in that figure or 15% of my money plus the employer match essentially 20%?

15% is the total of your contribution plus your employer match. But for me, I never contribute less than 15%.
by wander
Sat Jun 20, 2015 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Nice Milestone Reached Last Week
Replies: 41
Views: 6983

Re: Nice Milestone Reached Last Week

Congratulations! You are in much much better position than I was at 28.
by wander
Thu Jun 18, 2015 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: HSABank issue?
Replies: 0
Views: 352

HSABank issue?

A few days ago, I requested a transfer from HSA Bank to TD Ameritrade and it was schedule to be transferred on June 17. Today, when I logged in, I recognized that there were two transactions executed with the exact dollar amount: on June 17 and 18. I never had any problem with HSABank before they up...
by wander
Wed Jun 17, 2015 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Tax savings of moving to no income tax state
Replies: 24
Views: 3473

Re: Tax savings of moving to no income tax state

It looks like a win-win solution moving out of NJ to Texas.
by wander
Wed Jun 17, 2015 6:30 am
Forum: Personal Consumer Issues
Topic: Non-Bogleheads approach to changing cars?
Replies: 44
Views: 5088

Re: Non-Bogleheads approach to changing cars?

1991: Bought 1987 Honda Prelude.
1994: Sold 1987 Honda to buy 1989 Mazda 323.
1997: Sold 1989 Mazda to buy 1997 Nissan truck.
2007: Bought 2007 Acura Tsx.
Still keep the 1997 Nissan (350,000 miles) and 2007 Acura (120,000 miles).
by wander
Tue Jun 16, 2015 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Help me choose: Roth401k or Trad401k?
Replies: 31
Views: 2782

Re: Help me choose: Roth401k or Trad401k?

With your income (in +28% bracket), you should be able to max both 401k accounts. And, I am on boat with t401k.
by wander
Sun Jun 14, 2015 7:06 pm
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 14407

Re: Gifting Money at Parties

For weddings, we try to at least pay for what it cost the couple to host us. In other words, most weddings are around 75-100 per plate, so we give at least 150-200 to cover the cost of wife and I attending. +1. Some cases are easy. We look up our record to find out how much their parents gave us at...
by wander
Sun Jun 14, 2015 6:34 am
Forum: Personal Consumer Issues
Topic: $139 lease for EV, $0 down, 39 month lease Chevy Spark
Replies: 66
Views: 8192

Re: $139 lease for EV, $0 down, 39 month lease Chevy Spark

$139 a month is nice. I pay average $400 a month for gas but I sometimes drive out of state for business or vacation and that is why I do not consider electric cars at this point. I must have an extra non-electric car.
by wander
Sun Jun 14, 2015 6:15 am
Forum: Personal Consumer Issues
Topic: How to securely dispose old computer?
Replies: 43
Views: 4226

Re: How to securely dispose old computer?

Caduceus wrote:Is it enough for me to remove the hard drive? Once I've done that, is there anything else I have to do?

+1. That's all you need. Or you can pour coffee on the circuit board and coffee will "eat" the board after sometime.
by wander
Sun Jun 14, 2015 6:00 am
Forum: Investing - Theory, News & General
Topic: Rebalancing
Replies: 41
Views: 4066

Re: Rebalancing

I do not re-balance regularly. Instead, I use new money to buy funds that have not performed well.
by wander
Thu Jun 11, 2015 5:41 am
Forum: Personal Finance (Not Investing)
Topic: Should I move out of my family's home?
Replies: 55
Views: 5493

Re: Should I move out of my family's home?

If you find a job in different state, then you can move out without having to explain to anyone.

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