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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: 22
Views: 9067

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: 28
Views: 2148

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: 1672

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: 4014

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: 19
Views: 2257

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: 377

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: 7547

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: 4014

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: 5113

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: 20048

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: 2052

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: 6979

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: 3394

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: 3394

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: 3394

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: 4882

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: 3394

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: 10987

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: 10987

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: 7925

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: 4810

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: 4810

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: 3627

Re: Helping out family members

You cannot help any person if you don't know what went wrong with one's finance. Until s/he explains her/his situation and plan to get out of the trouble, you shouldn't rush to help him. Really? Yes, really. But it's my opinion. Can a doctor give you any medicine simply because you ask him to give ...
by wander
Thu Dec 18, 2014 8:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Helping out family members
Replies: 64
Views: 4704

Re: Sell or repair car decision

Wander - the mechanic basically said what I was describing sounds like a slow head gasket leak and that he's seen a lot on a few years/styles of Toyota. After he told me that I got online and found several Toyota 4Runner owner chat rooms and what my car is doing sounds exactly like what those owner...
by wander
Thu Dec 18, 2014 6:35 am
 
Forum: Personal Consumer Issues
Topic: Sell or repair car decision
Replies: 23
Views: 2972

Re: We cut the (Cable/Satellite TV) Cord!

I have no OTA signal available and have to stay with basic cable just for local TV. I need information about local closures during snow storm. Many local TV stations post storm closure information on their websites. That's true but sometimes I have no internet during storms. I think it's convenient...
by wander
Thu Dec 18, 2014 6:03 am
 
Forum: Personal Consumer Issues
Topic: We cut the (Cable/Satellite TV) Cord!
Replies: 45
Views: 4495

Re: Helping out family members

You cannot help any person if you don't know what went wrong with one's finance. Until s/he explains her/his situation and plan to get out of the trouble, you shouldn't rush to help him.
by wander
Thu Dec 18, 2014 5:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Helping out family members
Replies: 64
Views: 4704

Re: We cut the (Cable/Satellite TV) Cord!

I have no OTA signal available and have to stay with basic cable just for local TV. I need information about local closures during snow storm.
by wander
Wed Dec 17, 2014 8:08 am
 
Forum: Personal Consumer Issues
Topic: We cut the (Cable/Satellite TV) Cord!
Replies: 45
Views: 4495

Re: Who Paid for the wedding?

We paid for our wedding. But we were working, had no student loan, no debt, and paid our wedding with our saving. We even offered free hotel for my relatives. :happy
by wander
Tue Dec 09, 2014 9:20 pm
 
Forum: Personal Consumer Issues
Topic: Who Paid for the wedding?
Replies: 94
Views: 6698

Re: Why So Many Used Prius for Sale?

All of a sudden, I have noticed a spike in the amount of used Toyota Prius cars for sale in classified ads. I also have heard more SUV & trucks been sold lately. I guess many people do have short memory and yes gas price is one of the main reasons for switching cars. I myself still drive an old...
by wander
Sat Dec 06, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7034

Re: 2012 Honda Pilot Tranny Fluid Change?

Most people change automobile oils but tend forget that the transmissions does as much work. I owned an earlier Honda Odyssey '04, which are notorious for transmission failures (Google it and you will see). My master mechanic suggestions of changing transmission oil every 15-k miles has worked for ...
by wander
Fri Dec 05, 2014 8:57 am
 
Forum: Personal Consumer Issues
Topic: 2012 Honda Pilot Tranny Fluid Change?
Replies: 23
Views: 1669

Re: Affording a 1.3 million home?

You can afford it. With $1,040,000 mortgage %4 30-year loan, your payment is about $6,000 a month (mortgage & property tax). Your before tax income is about $23,000. You will have a lot of options. Your only issue is if one of you lose job, then the math change. In my math when buying our house,...
by wander
Fri Dec 05, 2014 5:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 122
Views: 19302

Re: 2012 Honda Pilot Tranny Fluid Change?

Looking at the 2012 Honda Pilot maintenance online: task for 25,000, 30,000, 35,0000, 40,000, 45,000 are to Inspect automatic/manual transmission fluid. Inspect and change are two different words. The trans fluid color should be red. With engine running (when still cold), trans fluid level should be...
by wander
Fri Dec 05, 2014 12:08 am
 
Forum: Personal Consumer Issues
Topic: 2012 Honda Pilot Tranny Fluid Change?
Replies: 23
Views: 1669

Re: Home Internet Service or HotSpot

If you don't stream video, hotspot is better choice for you. It's like a double edge knife: you will get burned if using over the plan limit.
by wander
Thu Dec 04, 2014 7:45 am
 
Forum: Personal Consumer Issues
Topic: Home Internet Service or HotSpot
Replies: 6
Views: 906

Re: Do we have too much house?

bs010101 wrote:Current mortgage just under 550K on a 15-year at 3%.

I don't think you have too much house but stretching it from 15 to 30 may help.
by wander
Wed Dec 03, 2014 4:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Do we have too much house?
Replies: 45
Views: 4524

Re: How did you handle the 2008 bear market ?

I am glad I did stay the course, thanks to this forum.
by wander
Thu Nov 27, 2014 8:00 am
 
Forum: Investing - Theory, News & General
Topic: How did you handle the 2008 bear market ?
Replies: 79
Views: 7404

Re: Clash of the Titans: Traditional or Roth?

I am a fan of diversified stocks and diversified tax. I know our tax in retirement will be higher than right now but I still prefer to have both Traditional and Roth IRAs.
by wander
Wed Nov 26, 2014 9:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Clash of the Titans: Traditional or Roth?
Replies: 12
Views: 1141

Re: When do you feel comfortable financially to have kids?

rob wrote:None - It was and is not a financial decision, although it has large financial impacts.

+1. I agree. You want to have babies while still can.
by wander
Wed Nov 26, 2014 9:19 pm
 
Forum: Personal Consumer Issues
Topic: When do you feel comfortable financially to have kids?
Replies: 59
Views: 4466

Re: Should I Fix 1999 Grand Marquis (182K Miles)

$1,400 is almost the price of your car. I think you are wasting money fixing it.
by wander
Wed Nov 26, 2014 12:03 am
 
Forum: Personal Consumer Issues
Topic: Should I Fix 1999 Grand Marquis (182K Miles)
Replies: 19
Views: 1656

Re: Humidifier: How much condensation is too much?

I don't pay too much attention to humidifier setting level. I set it 45% and left it alone. When was your house built, where do you live, and for how long have you been doing this? Mine was built in 1950, and I don't believe for a secod that I could get away with 45% all the time. My house was buil...
by wander
Fri Nov 21, 2014 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Humidifier: How much condensation is too much?
Replies: 35
Views: 2948

Re: GEHA - Standard vs. HDHP Options with Baby on the Way

I am in similar case like the OP, but I am not going to switch from HDHP to standard. We have saved enough in HSA to cover catastrophic.
by wander
Fri Nov 21, 2014 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: GEHA - Standard vs. HDHP Options with Baby on the Way
Replies: 36
Views: 3579

Re: Humidifier: How much condensation is too much?

I don't pay too much attention to humidifier setting level. I set it 45% and left it alone.
by wander
Fri Nov 21, 2014 8:26 am
 
Forum: Personal Consumer Issues
Topic: Humidifier: How much condensation is too much?
Replies: 35
Views: 2948

Re: Do I really need a car?

For me, sometimes, it's unsafe to ride a bike. My friend's cousin died recently while riding a bike that was rear-ended by a car.
by wander
Wed Nov 19, 2014 6:49 am
 
Forum: Personal Consumer Issues
Topic: Do I really need a car?
Replies: 11
Views: 1119

Re: HSA Questions

grabiner wrote:It works like an IRA, where you can change investments subject to the provider's rules.

+1
by wander
Tue Nov 18, 2014 9:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Questions
Replies: 9
Views: 847

Re: Sell or repair car decision

Just curious, what made them think it was a head gasket leak? Did they give you any reasoning? If it is a head gasket, I would let it go.
by wander
Sun Nov 16, 2014 11:08 am
 
Forum: Personal Consumer Issues
Topic: Sell or repair car decision
Replies: 23
Views: 2972

Re: Your car(s) are equal to how many months income

My car was about seven months of my income. But it was 17 years ago.
by wander
Fri Nov 14, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 6591
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