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Re: Air Purifier for Allergies

I use Oreck Dual Max Air Purifier. It captures capture dust, smoke, pollen and allergens; It also absorbs odor.
by wander
Fri Sep 19, 2014 8:22 am
 
Forum: Personal Consumer Issues
Topic: Air Purifier for Allergies
Replies: 19
Views: 965

Re: iOS 8 update available today

If you can, wait until 8.0x out after they fix bugs of 8.0.
by wander
Thu Sep 18, 2014 7:14 am
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 37
Views: 2660

Re: Refrigerator problem

I would remove all inside the refrigerator, unplug it for one day and vacuum all dust in the rear. After that, if it is not back to normal then call a repairman.
by wander
Sat Sep 13, 2014 8:37 am
 
Forum: Personal Consumer Issues
Topic: Refrigerator problem
Replies: 14
Views: 976

Re: What do you pay for comprehensive and collision on your

takeshi wrote:Get some quotes and shop around.

+1.
by wander
Sat Sep 13, 2014 8:30 am
 
Forum: Personal Finance (Not Investing)
Topic: What do you pay for comprehensive and collision on your auto
Replies: 7
Views: 816

Re: V6 or V8 engine for new Chrysler 300

It sounds like the OP needs a V6. Which engine lasts longer depends on many factors.
by wander
Fri Sep 12, 2014 5:44 am
 
Forum: Personal Consumer Issues
Topic: V6 or V8 engine for new Chrysler 300
Replies: 25
Views: 1676

Re: Is My Car Insurance Plan Enough? - the Bogle way!

I agree with above that your liability coverage is too low.
by wander
Tue Sep 09, 2014 7:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Is My Car Insurance Plan Enough? - the Bogle way!
Replies: 18
Views: 1365

Re: Do you consider your emergency fund part of your portfol

Yes, actually, my taxable account is available in case of emergency.
by wander
Mon Sep 08, 2014 9:01 pm
 
Forum: Investing - Theory, News & General
Topic: Do you consider your emergency fund part of your portfolio?
Replies: 50
Views: 3038

Re: Portfolio Advice Needed $1M age 40

trs wrote:We're looking to move our portfolio away from our Stifel advisor as we're unhappy with our performance relative to the market, high fees and generally unresponsive nature of our advisor.

First choice on this web site is VG.
by wander
Mon Sep 08, 2014 7:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Needed $1M age 40
Replies: 18
Views: 2037

Re: Anyone have a Nest learning thermostat?

The thing that had the most impact for me was the auto-away feature. On weekends, I usually had the heat set fairly evenly throughout the day, since I was around at unpredictable times, but I also am fairly regularly gone for significant portions of the day or all weekend. With auto-away, weekends ...
by wander
Mon Sep 08, 2014 7:18 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have a Nest learning thermostat?
Replies: 19
Views: 1588

Re: Anyone have a Nest learning thermostat?

We installed the Nest a year ago in our home. I don't actually see any money saving comparing to our much cheaper programmable thermostat. This one looks cool and is easy to program.
by wander
Mon Sep 08, 2014 6:48 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have a Nest learning thermostat?
Replies: 19
Views: 1588

Re: Do I need bonds?

I'll say zero bonds might be ok for you, since you seem to be essentially asking permission. You say you can cover 25% of expenses, so I'll assume (ok, maybe a bit of a jump) more like 50% of non-discretionary and non-job-related expenses. As long as you're covered for disability, you should be ok,...
by wander
Tue Sep 02, 2014 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I need bonds?
Replies: 43
Views: 2727

Re: sell a 7 year old car or keep it?

I have a 7 year old Lexus (GS 350) with low mileage and in great shape. Paid off of course. According to car websites, worth about $20,000 as a trade-in. Should I trade it in now while it's still worth a fair amount, or should I keep it until it starts costing me money? So far it's cost me nothing ...
by wander
Mon Sep 01, 2014 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: sell a 7 year old car or keep it?
Replies: 16
Views: 1654

Re: Ideas for thanking a doctor

I think an engraved crystal plate with a stand and your kind words would be nice.
by wander
Sat Aug 30, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 74
Views: 4616

Re: The Worst Investment You Can Make: Buying a Home

Rodc wrote:So, if you think of stocks as an investment you will over buy stocks (and under buy bonds)? Or vice versa?

I own a lot of stocks and bonds in my MFs and ETFs.
by wander
Fri Aug 29, 2014 9:23 am
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 16056

Re: Poor Janus, a look at this once high flying fund family

JPH wrote:I did well with Janus for a long time. I got out in 2003 when they were involved in a market timing/after hours trading scandal.

I too invested with Janus then left. I had enough with growth investing and scandal.
by wander
Fri Aug 29, 2014 9:21 am
 
Forum: Investing - Theory, News & General
Topic: Poor Janus, a look at this once high flying fund family
Replies: 72
Views: 7278

Re: When, if ever, should an annuity be used in retirement p

I may consider an annuity to cover enough basic living expenses in retirement (food on the table, ...).
by wander
Fri Aug 29, 2014 7:52 am
 
Forum: Investing - Help with Personal Investments
Topic: When, if ever, should an annuity be used in retirement plans
Replies: 32
Views: 2370

Re: Debating whether to keep current vehicle or purchase ano

I would keep the car, save money for upcoming car purchase. By the way, I am driving an 18-year old car, 340k miles, driving to work 30 miles round trip daily but haven't thought about getting a replacement soon. Understand your daily trip is longer but you are already covered by insurance road serv...
by wander
Fri Aug 29, 2014 7:36 am
 
Forum: Personal Consumer Issues
Topic: Debating whether to keep current vehicle or purchase another
Replies: 44
Views: 2384

Re: pay health bill from HSA or from checking?

Here's the big question I have (and it may be different per institution) but let's say you plan on never tapping into the HSA until old age. You are 100% invested. A year later you break your leg. You're in so much pain and not thinking clearly that you end up accidentally swiping your HSA debit ca...
by wander
Fri Aug 29, 2014 7:21 am
 
Forum: Personal Finance (Not Investing)
Topic: pay health bill from HSA or from checking?
Replies: 70
Views: 3928

Re: The Worst Investment You Can Make: Buying a Home

A home that is your residence is not an investment, it is an expense plain and simple. If you make the mistake of viewing it as an investment you'll make a number of behavioral errors, the most common one being buying too much house. +1. When I started living independently, I looked for a place tha...
by wander
Fri Aug 29, 2014 5:39 am
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 16056

Re: pay health bill from HSA or from checking?

I am with caklim00. I clean up the receipts every year knowing losing tax advantage.
by wander
Thu Aug 28, 2014 8:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: pay health bill from HSA or from checking?
Replies: 70
Views: 3928

Re: Hit a financial milestone at an age milestone

These threads always generate a predominance of congratulatory responses and a few skeptics. It just goes to show you that it's not how much you make, it's how much you spend: if you make $200k per year and spend $75k you'll simply be much further ahead than if you make $200k and spend $125k. Congr...
by wander
Thu Aug 28, 2014 5:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Hit a financial milestone at an age milestone
Replies: 50
Views: 4992

Re: Looking to buy a new car but hesistant.

You can afford it.
by wander
Tue Aug 26, 2014 4:13 am
 
Forum: Personal Consumer Issues
Topic: Looking to buy a new car but hesistant.
Replies: 17
Views: 1622

Re: S&P500 over 2000

I am still far away from my retirement day and a peak market doesn't help me much. I hope it will be at peak when I retire.
by wander
Tue Aug 26, 2014 4:05 am
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5415

Re: Should I fix a "totaled" car

I would let it go. There is no point to fix it.
by wander
Sun Aug 24, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Should I fix a "totaled" car
Replies: 37
Views: 2609

Re: 87 Year Old Grandmother Has $600,000 In the Bank

She is 87 years old. She can take $60,000 per year for the next 10 years, bringing her to 97, without any risk. I say, leave it but make sure that it is properly insured by FDIC. If you feel the need to do something, put it in a rolling CD ladder to pick up a little more risk-free interest. Or TIPS...
by wander
Sun Aug 24, 2014 8:31 am
 
Forum: Investing - Help with Personal Investments
Topic: 87 Year Old Grandmother Has $600,000 In the Bank
Replies: 42
Views: 5521

Re: 2014/2015 Honda Accord vs. 2014 Toyota Avalon

You shouldn't assume this is a matter of economic analysis. People don't generally buy hybrids to save money. It's true. But I know a friend who traded in his Honda Accord for a Prius simply because of saving fuel cost. I think you should take drive test both cars. Whichever is more comfortable for...
by wander
Sat Aug 23, 2014 8:47 am
 
Forum: Personal Consumer Issues
Topic: 2014/2015 Honda Accord vs. 2014 Toyota Avalon
Replies: 52
Views: 4163

Re: Which 4 door with 250+ hp

I think Nissan Maxima is a good choice: powerful and reliable.
by wander
Thu Aug 21, 2014 9:57 pm
 
Forum: Personal Consumer Issues
Topic: Which 4 door with 250+ hp
Replies: 104
Views: 7970

Re: Wash D.C. speed camera - how accurate?

I got a ticket in D.C. I paid it anyway. I think unless you have a black box installed in your car monitoring speed, you have no evidence to prove them wrong. My problem is how do they prove to me that their machine never failed.
by wander
Thu Aug 21, 2014 8:59 pm
 
Forum: Personal Consumer Issues
Topic: Wash D.C. speed camera - how accurate?
Replies: 40
Views: 2439

Re: Dealership wants to buyback my car

You can try this: without buying a new car, ask the sale man how much he would pay for your car? You will be surprised how cheap the dealer wants to pay for your car.
by wander
Tue Aug 12, 2014 10:32 pm
 
Forum: Personal Consumer Issues
Topic: Dealership wants to buyback my car
Replies: 32
Views: 3435

Re: What to do with disbursement check?

Did your wife have any after tax money in the 401k? No, all this money was funded into her 401k account after she requested the full rollover. The account stayed opened for two years and now they want to clean it up. If they want it back, then take it and we don't have to worry about cashing/deposi...
by wander
Fri Aug 08, 2014 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with disbursement check?
Replies: 11
Views: 1557

Re: What to do with disbursement check?

It seems they thought they owed my wife more so they gave her this check after two years. :dollar . I cashed the check and sent another check with before tax amount. A $1,000 is not much, but we want to do it correctly and not to pay unnecessary penalty.
by wander
Thu Aug 07, 2014 10:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with disbursement check?
Replies: 11
Views: 1557

Re: What to do with disbursement check?

Thanks livesoft and Leif for your quick responses. The amount is about $1,000 and my wife has no idea where the money come from since she did the full rollover last year and deposited the check to her IRA account at Vanguard. You have made good points that she needs to make sure with her old company...
by wander
Mon Aug 04, 2014 11:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with disbursement check?
Replies: 11
Views: 1557

What to do with disbursement check?

I couldn't find answer using search function so I have to post in the forum. If you know a link, please let me know. My wife stopped working for a company few years ago, but moved her old 401k fund to Vanguard IRA Rollover last year. Just few days ago, she received a check in her name from the old c...
by wander
Mon Aug 04, 2014 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with disbursement check?
Replies: 11
Views: 1557

Re: Was ready to pull plug on Janus..until

I guess the OP didn't invest in Janus funds during end of the 90s. In recent years, it paid fine for permitted excessive trading in its mutual funds.
by wander
Wed Jul 30, 2014 8:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Was ready to pull plug on Janus..until
Replies: 66
Views: 4090

Re: Vanguard eliminates fee on FTSE All-World ex-US Small-Ca

Fee was the reason I didn't own this fund. Now, it's time to start investing in this fund.
by wander
Sun Jul 27, 2014 7:44 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard eliminates fee on FTSE All-World ex-US Small-Cap
Replies: 35
Views: 5190

Re: Sshwab vs. Vanguard for index funds

tainted-meat wrote:Can't really go wrong either way.

+1.
by wander
Sun Jul 27, 2014 7:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Sshwab vs. Vanguard for index funds
Replies: 15
Views: 1696

Re: How Should I Manage My 401k?

If you plan to keep 3% in bonds, then I would say to have no bonds at all for simplicity.
by wander
Sun Jul 27, 2014 7:32 am
 
Forum: Investing - Help with Personal Investments
Topic: How Should I Manage My 401k?
Replies: 7
Views: 738

Re: Fix Car or Get a New One?

If you are going to get the transmission fixed, take it to places like AAMCO. I think the suspension failed after 9 years is not too bad. I would fix the car.
by wander
Tue Jul 15, 2014 9:40 pm
 
Forum: Personal Consumer Issues
Topic: Fix Car or Get a New One?
Replies: 11
Views: 1137

Re: But why not 100% stock index fund?

To OP, It's fine for one to go 100% or even 150%, 200% on stock index fund. It depends on one's risk tolerance, which is different for everyone. (Some theory also implies that there are some investors who borrow to invest 100+% in market portfolio.) BH tend to be more risk averse or conservative an...
by wander
Tue Jul 15, 2014 4:51 am
 
Forum: Investing - Theory, News & General
Topic: But why not 100% stock index fund?
Replies: 76
Views: 7407

Re: [Poll] How often do you re-balance?

I re-balance several times a year when my asset allocation is off track.
by wander
Tue Jul 15, 2014 4:45 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] How often do you re-balance?
Replies: 25
Views: 2276

Re: Footwear in Vietnam

If you are going to ride motorbike, then shoes are the must have. Sandals are fine. Jeans are popular in Vietnam.
by wander
Tue Jul 15, 2014 4:41 am
 
Forum: Personal Consumer Issues
Topic: Footwear in Vietnam
Replies: 25
Views: 2175

Re: What after-tax income could you live on today?

Lowest: $50,000
Highest: N/A
:sharebeer
by wander
Sat Jul 12, 2014 6:43 am
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 5178

Re: Age of Bogleheads with HSA/HDHP

We are in our 40s. We have HSA for about 4 years and have been using the fund for medical expenses annually.
by wander
Fri Jul 11, 2014 6:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Age of Bogleheads with HSA/HDHP
Replies: 15
Views: 2090

Re: POLL: How Old is Your Newest Motor Vehicle? -- REVISED

My newest is a 97 Nissan truck with 340,000 miles on it.
by wander
Tue Jul 08, 2014 6:54 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Old is Your Newest Motor Vehicle? -- REVISED
Replies: 51
Views: 3080

Re: Car did not start: To dispose? How?

The car is a 1997 Honda Civic DX, with 110,000 miles. 9 months ago, it was diagnosed with an axel problem, and following Bogleheads' collective advice I replaced the axel rather than the car. Now, I am facing a similar choice. 1997 Honda Civic DX is about $1,600 (private party) with working conditi...
by wander
Mon Jul 07, 2014 1:08 pm
 
Forum: Personal Consumer Issues
Topic: Car did not start: To dispose? How?
Replies: 70
Views: 5651

Re: I think I might have too much saved in a 401k

I am confused as the title is "I think I might have too much saved in a 401k". Then "I also have $1 million saved in a taxable brokerage account (again in individual stocks)". Then "I also have $1 million saved in a taxable brokerage account (again in individual stocks)"...
by wander
Sat Jul 05, 2014 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: I think I might have too much saved in a 401k
Replies: 40
Views: 4236

Re: Hitting "The Number" too early

Op, I think you haven't reached your number yet because that number depends on other source of income that you don't receive until 55.
by wander
Thu Jul 03, 2014 7:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Hitting "The Number" too early
Replies: 49
Views: 5444

Re: do you lie about your finances to friends

Yes, I do lie if it makes people feel comfortable. I cannot say I am better than average if the guy I am talking with is broke.
by wander
Thu Jul 03, 2014 6:55 am
 
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 9466

Re: Paperless Statements (bank checking acct)

Gort wrote:For those of you who switched to paperless statements, do you like them? Is it convenient for you when reconciling your account?

I like paperless statement a lot. One time, I received my bank statement in my mailbox with a note "sorry opened by mistake, a neighbor".
by wander
Tue Jul 01, 2014 5:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paperless Statements (bank checking acct)
Replies: 64
Views: 3147

Re: The Millionaire Next Door: Are You One?

I am driving an old car, but seriously, I don't pay attention to what my neighbors are driving. I am not looking at people and feel happy about myself. The reason I am driving an old car is because I want to challenge myself to repair when it breaks. It may help me economically, but that's secondary.
by wander
Sun Jun 29, 2014 10:57 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 23214
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