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Re: Am I ready to buy a home?

I wouldn't worry about interest rates and prices. They may go up or they may go down; there's no point in driving yourself crazy trying to make predictions. If you have enough saved, go ahead and buy. If you think that after putting down the downpayment and paying closing costs, it'll leave your ba...
by wander
Fri Feb 27, 2015 7:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I ready to buy a home?
Replies: 7
Views: 519

Re: Are remote starters bad for cars?

1.) Do remote starters cause any problems with the cars electronics? I don't think so. I installed my remote starter and really enjoy having it in winter or summer. Warming/cooling air inside the car is not a big deal for me but my kids love it and engine is warm enough so I don't need to wait for ...
by wander
Fri Feb 27, 2015 7:33 am
 
Forum: Personal Consumer Issues
Topic: Are remote starters bad for cars?
Replies: 7
Views: 524

Re: Should you tip when picking up takeout food?

My nephew worked at a restaurant where the owner kept all of the tips for carry out orders and did not distribute any of the money to the waitstaff. +1. A friend of mine worked at a restaurant, once I went there and he told me not to tip because the owner would take it. Be careful with some restaur...
by wander
Thu Feb 26, 2015 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Should you tip when picking up takeout food?
Replies: 48
Views: 2712

Re: Can I afford my dream house?

I would suggest to ask yourself this question: what if I lose my job or something happens to me tomorrow, will my family be alright financially?
by wander
Thu Feb 26, 2015 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford my dream house?
Replies: 30
Views: 1677

Re: New and over 40

I think you need help about personal finance, not investing. Your husband and you have to be on the same boat otherwise you don't have anything left to invest. The breadwinner is not "Mr. Right" in the family. It sounds to me that since your husband earns more, he has every right to spend ...
by wander
Thu Feb 26, 2015 7:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: New and over 40
Replies: 27
Views: 1927

Re: How much did you have saved up for retirement at age 30?

At age 30, I had about $50k in 401k, no taxable.
by wander
Thu Feb 26, 2015 7:09 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 146
Views: 8888

Re: Should I Quit My Job

I think military is a great career, but personally I would not do it if I were at your age. Physically, you cannot compete with guys who are 15 years younger than you. For example, Roger Federer was invincible in his 20s, but now is no longer dominance at 33. :D
by wander
Wed Feb 25, 2015 8:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I Quit My Job
Replies: 46
Views: 6215

Re: 401k Max-out Strategy

My company allows both percent and $ options and I find the Dollar option is really convenient. I divide $18,000 by 26 paychecks and round it up = $693. The contribution stops at $18,000 automatically and I don't have to worry about going over the allowed limit.
by wander
Wed Feb 25, 2015 4:39 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k Max-out Strategy
Replies: 16
Views: 1785

Re: What age do you guys plan to retire?

I am planning for 65 as worst case scenario.
by wander
Tue Feb 24, 2015 7:05 am
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8434

Re: What to do with disbursement check?

This has always been the way indirect IRA rollovers have been reported on 1099-R but usually without the tax being withheld. You list it as a "Rollover" right next to the distribution amount on the front of Form 1040. Report the tax as being withheld and count it with the other taxes that...
by wander
Sat Feb 21, 2015 11:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with disbursement check?
Replies: 14
Views: 1993

Re: What to do with disbursement check?

So we received a check of $800, $200 was withdrawal as federal tax. The total amount was $1,000. We deposited the $800 to my checking account and wrote a check of $1,000 to vanguard as rollover with a copy of distribution letter from the company. This was done within the 60 days rule. Now, we receiv...
by wander
Fri Feb 20, 2015 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with disbursement check?
Replies: 14
Views: 1993

Re: where to put excess cash

So the question is, with extra taxable money left over with no set goal or timeline, where should I put that money? I don't want to mix it in with retirement accounts because if I ever need to pull the money out and use it, it would throw my asset allocation for retirement out of whack. Add more to...
by wander
Thu Feb 19, 2015 7:52 am
 
Forum: Investing - Help with Personal Investments
Topic: where to put excess cash
Replies: 14
Views: 2054

Re: How often and how much should I raise the rent?

I think you are already making a nice profit. $12,000 a year on a $110,000 investment is pretty good.
by wander
Tue Feb 17, 2015 4:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: How often and how much should I raise the rent?
Replies: 25
Views: 1596

Re: Extended car warranty - worth it?

No, it's not worth it. You can put that $59 aside for future car repair.
by wander
Tue Feb 17, 2015 2:05 pm
 
Forum: Personal Consumer Issues
Topic: Extended car warranty - worth it?
Replies: 30
Views: 1824

Re: Is it worth it to buy a condo vs a house.

Altephor wrote:Let me clarify:
But of course, we're still paying for someone else's mortgage.

If you don't stay on mortgage for at least 5 years, you are likely to lose money buying a house. The true is you are paying someone's mortgage, but you also let the landlord take care of fixing stuffs.
by wander
Tue Feb 17, 2015 11:09 am
 
Forum: Personal Consumer Issues
Topic: Is it worth it to buy a condo vs a house.
Replies: 41
Views: 4942

Re: New Lexus NX Not an Economy Bargain

Some times you lose efficiency (your gas mileage drops by 5%) along with power. Personally this always struck me as one of those non issues. Imagine you driver 15k miles/yr *20mpg. We are talking 150 (.20 premium. Feel free to use your local difference)/yr. For someone buying a close to 40k car, th...
by wander
Mon Feb 16, 2015 9:58 pm
 
Forum: Personal Consumer Issues
Topic: New Lexus NX Not an Economy Bargain
Replies: 38
Views: 3008

Re: New Lexus NX Not an Economy Bargain

I think you expect to trim performance switching to lower octane, but it is in the range that you cannot feel it. Usually, the car will adjust and should be fine with either regular or premium. But if it starts to knock when switching to regular, then you want to switch it back to premium. It's pers...
by wander
Mon Feb 16, 2015 8:18 pm
 
Forum: Personal Consumer Issues
Topic: New Lexus NX Not an Economy Bargain
Replies: 38
Views: 3008

Re: How to Investing 250000 now?

Like other people here, I am always in the market either it is all time high or low. Diversify and AA really work for me.
by wander
Mon Feb 16, 2015 7:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Invest $250,000 now?
Replies: 10
Views: 1538

Re: Does anyone like the new Toyota/Lexus grilles?

It doesn't look too bad. I will buy if I need one today.
by wander
Mon Feb 16, 2015 10:00 am
 
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 57
Views: 3203

Re: Overfilled Oil in Car - Cause of Oil Leak?

Unless you know where the oil is leaking from, guessing is just like throwing darts. Your case seems easy since you actually see oil drops, and you may need to crawl underneath of the car to find out. If you don't want to fix it all together, you can add oil often. It's not a big deal to check/refue...
by wander
Sun Feb 15, 2015 7:44 pm
 
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 29
Views: 1551

Re: Which light bulbs are best bang for the buck?

I no longer buy or install fluorescent bulbs because of the Mercury risk if I break one. I still have an inventory of Edison bulbs but occasionally buy led bulbs where heat is an issue. As my Edison's run out I'll switch to led. I even took some fully operational fluorescent bulbs to osh for proper...
by wander
Fri Feb 13, 2015 5:19 am
 
Forum: Personal Consumer Issues
Topic: Which light bulbs are best bang for the buck?
Replies: 41
Views: 3448

Re: Car issues. [2009 Cadillac CTS - fix or sell]

Hi all I had my father in law (a mechanic) change my oil with Mobil 5W30 synthetic oil about 6 weeks ago. I checked my oil this past Saturday and, again, bone dry. Put in 5QT and it probably could have taken one more. - I suggest to stop using Synthetic oil and start using regular oil. I think synt...
by wander
Mon Feb 09, 2015 10:31 pm
 
Forum: Personal Consumer Issues
Topic: Car issues. [2009 Cadillac CTS - fix or sell]
Replies: 56
Views: 3508

Re: Are the expensive air purifiers worth the money?

I have been using Oreck DualMax air purifier and Air-O-Swiss humidifier. The Oreck has ultra violet light to sanitize air and filter can be washed and reused when the Truman cell detect too much dust on the ionized plates. The Air-O-Swiss humidifier level matches with my weather station. We are plea...
by wander
Sat Feb 07, 2015 7:12 am
 
Forum: Personal Consumer Issues
Topic: Are the expensive air purifiers worth the money?
Replies: 29
Views: 1873

Re: Why is TSP Bond down?

lack_ey wrote:are they necessarily selling bonds to others to make that happen?

What I think is most investors keep stocks and bonds portfolio, come from the same pot of money, and have to sell bonds to buy stocks. But this is very small.
by wander
Fri Feb 06, 2015 7:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Why is TSP Bond down?
Replies: 6
Views: 820

Re: Why is TSP Bond down?

It looks like investors sell bonds to buy stocks. Stocks and bonds are somewhat inverse correlated.
by wander
Thu Feb 05, 2015 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why is TSP Bond down?
Replies: 6
Views: 820

Re: Are car loans really that bad?

Long time ago, I was for buying new car and drove it into the ground. Now I can fix car so I rather buy used cars with cash and keep investing the extra. Instead of buying $30k car, I can off for a $10,000 used car and let the $20k grow without giving up the 2% I lost for the amount I owe the bank. ...
by wander
Tue Feb 03, 2015 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are car loans really that bad?
Replies: 86
Views: 6733

Re: Wells Fargo - no more 100 free trades (for new accounts)

Sounds to me that any WellsTrade account, existing or new, not currently part of the PMA package as of end of day 3/31 will NOT get free trades. This likely also means that if any existing account is pulled off the package and later gets re-added, it loses it's free trades. Other than if you sudden...
by wander
Fri Jan 30, 2015 9:41 am
 
Forum: Investing - Theory, News & General
Topic: Wells Fargo - no more 100 free trades (for new accounts)?
Replies: 23
Views: 9654

Re: US citizen vs green card

Could be deported if convicted of a crime +1. Then it will affect all your investments. - Benefit from US tax laws If your spouse is also a US citizen, you can leave real estate to him or her that will be exempt from property taxes. US tax laws also allow other free exchanges of real estate between...
by wander
Fri Jan 30, 2015 6:13 am
 
Forum: Personal Finance (Not Investing)
Topic: US citizen vs green card
Replies: 34
Views: 3061

Re: How to respond when someone asks how much money you make

I make enough to support my family!
by wander
Fri Jan 30, 2015 6:08 am
 
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 107
Views: 10321

Re: Why are fruits not cheaper in California?

Ged wrote:Pick something local and in season if you want a good price.

+1
by wander
Wed Jan 21, 2015 7:31 am
 
Forum: Personal Consumer Issues
Topic: Why are fruits not cheaper in California?
Replies: 28
Views: 1717

Re: What's in your car emergency kit?

Give an example. My $9 foot pump is 3" x 3" x 11", weights just less than 2 lb and I can put over 4psi a minute into ~30 psi tire.* It's fairly easy to beat any one of the specs, but even ignoring cost it's hard to beat on balance. The difficult spec to find on any of these pumps is ...
by wander
Wed Jan 14, 2015 9:00 pm
 
Forum: Personal Consumer Issues
Topic: What's in your car emergency kit?
Replies: 52
Views: 4063

Re: Already having second thoughts about HSA Bank

My understanding is that there are only individual HSA accounts, no? Yes, but if one spouse chooses to open a "family" account there the contribution limit would be the family limit i.e. 6550. The account that I have at HSA gave contribution limit at 3300$. SSS2009 HSA bank does not give ...
by wander
Wed Jan 14, 2015 2:07 pm
 
Forum: Personal Consumer Issues
Topic: Already having second thoughts about HSA Bank
Replies: 20
Views: 2566

Re: Moving money from HSA Bank to TD Ameritrade

Does TD Ameritrade allow you to automatically buy ETF’s each month, or is that a manual process also? No, you have to do it manually and the process takes about 2 business days. Do you forgo DCA and buy the year’s investment all at once? Do you manually purchase new shares each month? I’ve never pu...
by wander
Wed Jan 14, 2015 12:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving money from HSA Bank to TD Ameritrade
Replies: 3
Views: 396

Re: Poll - How much is enough / what's your number?

I don't have a number, but I know I have enough.
by wander
Wed Jan 14, 2015 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - How much is enough / what's your number?
Replies: 79
Views: 7797

Re: What's in your car emergency kit?

A tow strap won't save you if you slam your car into a snowbank though, but I've never done that (I have seen 3-4 cars with all 4 wheels off the ground though sitting on a pile of snow). It isn't uncommon to hear of 50-60 accidents in a single day when it is really cold and a big storm comes throug...
by wander
Sun Jan 11, 2015 10:04 pm
 
Forum: Personal Consumer Issues
Topic: What's in your car emergency kit?
Replies: 52
Views: 4063

Re: Mice in the house

TxAg wrote:Between snap traps, my dog, and poison I haven't had any in a while.

+1. I would use snap traps.
by wander
Sun Jan 11, 2015 9:44 pm
 
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 5302

Re: WHY is retirement enjoyable / something to look forward

a wrote:Many say they can't wait to reach retirement.

Yes, I can't wait to reach retirement if it happens right now, long before the date I can be qualified to receive SS.
by wander
Thu Jan 08, 2015 7:06 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 20291

Re: Do you keep manuals/packaging for products you buy?

It depends. I keep some manuals mostly for troubleshooting/instruction purpose. For example, I keep the manual of the receivers so I can set it up again when by some reasons I move the speakers to different locations. Generally, I keep the manuals and boxes for other purposes, not for reselling.
by wander
Sun Jan 04, 2015 1:20 pm
 
Forum: Personal Consumer Issues
Topic: Do you keep manuals/packaging for products you buy?
Replies: 34
Views: 2067

Re: What price are you planning to pay for your next car?

I will get a sport car for less than $50k.
by wander
Fri Dec 26, 2014 5:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: What price are you planning to pay for your next car?
Replies: 91
Views: 7025

Re: Why did gas mileage recently drop on my older CRV?

I've now checked with a couple different auto parts dealers (O'Reilly and NAPA) as well as a repair shop and all have told me the diagnostic scanner won't find anything unless the Check Engine warning light on the dash is illuminated -- which it is not. That's not necessary true. I know for a fact ...
by wander
Fri Dec 26, 2014 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Why did gas mileage recently drop on my older CRV?
Replies: 50
Views: 3406

Re: Why did gas mileage recently drop on my older CRV?

Google search indicates it might be somewhere between $250 - $500 to have a mechanic do it. I'm assuming there's some way of testing for the problem before doing it. There is no dash check engine warning light, and the indicator seems to be working OK (it illuminates briefly during startup). I don'...
by wander
Fri Dec 26, 2014 10:34 am
 
Forum: Personal Consumer Issues
Topic: Why did gas mileage recently drop on my older CRV?
Replies: 50
Views: 3406

Re: Why did gas mileage recently drop on my older CRV?

While it is true that a failed O2 sensor would lead to drop in MPG; however, it doesn't do any good to replace the sensor just for the sake of it.
by wander
Thu Dec 25, 2014 6:33 pm
 
Forum: Personal Consumer Issues
Topic: Why did gas mileage recently drop on my older CRV?
Replies: 50
Views: 3406

Re: POLL: What are your monthly food expenses?

$200 for each person.
by wander
Thu Dec 25, 2014 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: What are your monthly food expenses?
Replies: 67
Views: 4909

Re: Why did gas mileage recently drop on my older CRV?

Check the brakes, it may apply unnecessary friction to the rotor.
by wander
Thu Dec 25, 2014 11:18 am
 
Forum: Personal Consumer Issues
Topic: Why did gas mileage recently drop on my older CRV?
Replies: 50
Views: 3406

Re: What % of net worth is your home?

Rodc wrote:FWIW the question was not % of portfolio.

All my net worth is in my portfolio. Whatever I've already paid for, I do not count them as net worth. Except the house, everything else is minimum.
by wander
Wed Dec 24, 2014 12:26 am
 
Forum: Personal Finance (Not Investing)
Topic: What % of net worth is your home?
Replies: 127
Views: 11097

Re: What % of net worth is your home?

0%. I don't include it in my portfolio.
by wander
Tue Dec 23, 2014 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: What % of net worth is your home?
Replies: 127
Views: 11097

Re: Who should pay for this meal?

We are kind of people like to pick up the tabs when we go out with friends (reason why we do not go out too much) It makes us feel better I guess. We feel very weird for asking separate tab. Another option is stay home and cook but then will be too much work. We are spending a lot of money on this ...
by wander
Sun Dec 21, 2014 6:39 pm
 
Forum: Personal Consumer Issues
Topic: Who should pay for this meal?
Replies: 79
Views: 8031

Re: "FREE" H&R Block Tax Software. Catch?

pshonore wrote:Don't we want the 2014 version???

The original thread was a year ago. But I did try 2014 version so the topic has not changed.
by wander
Sat Dec 20, 2014 11:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: "FREE" H&R Block Tax Software. Catch?
Replies: 23
Views: 4920

Not a catch, but maybe a "useless"

I received this CD today for 2014, but could not install it on my computer with Windows 7. It asked me to use tcauto.exe for installation. After I opened the tcauto.exe file, it opened a small windows and stayed there until I restarted the computer. I have to say: it's a waste of time.
by wander
Sat Dec 20, 2014 4:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: "FREE" H&R Block Tax Software. Catch?
Replies: 23
Views: 4920

Re: myRA is now open

Anyone can open an account with Troweprice using auto investment plan with very small amount. It used to be as low as $50 a month (maybe $100 now). When it gets to $3000, s/he can move it anywhere. That was the way I started but then I like TrowePrice and still invest with them.
by wander
Fri Dec 19, 2014 9:07 am
 
Forum: Personal Finance (Not Investing)
Topic: myRA is now open
Replies: 37
Views: 3672
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