Search found 1750 matches

by wander
Sun Jun 28, 2015 9:17 am
Forum: Personal Consumer Issues
Topic: Upgrading to Windows 10?
Replies: 23
Views: 2269

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: 5891

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: 1515

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: 1980

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: 15951

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: 5185

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: 4714

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: 43
Views: 2719

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: 20291

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: 132
Views: 8590

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: 271
Views: 17822

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: 68
Views: 7058

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: 1697

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: 2819

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: 6761

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: 278

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: 3370

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: 4905

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: 2700

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: 13666

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: 7813

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: 4033

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: 3948

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: 5202

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.
by wander
Sat Jun 06, 2015 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?
Replies: 52
Views: 4354

Re: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?

Are you saying doctors are the only businesses that ever get screwed by customers? I suggest you talk more with other business people. But let's be serious here. How many people on Bogleheads do you think don't pay their bills? The OP certainly wasn't talking about doing so. So, all of this venting...
by wander
Fri Jun 05, 2015 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?
Replies: 52
Views: 4354

Re: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?

You keep saying this is a HDHP issue, but your situation has nothing to do with the amount of your deductible. Everyone says "I promise I will pay you later." Try telling this to Best Buy as you walk out with a flat screen TV and see what happens. Your HSA is irrelevant. More commonly, I ...
by wander
Fri Jun 05, 2015 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Your Home Equity / Net Worth Ratio?
Replies: 119
Views: 8036

Re: Your Home Equity / Net Worth Ratio?

1. Less than 10%
2. Yes
3. Less than 20%.
by wander
Fri Jun 05, 2015 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?
Replies: 52
Views: 4354

Re: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?

I guess the this office does not think HDHP is an insurance plan, otherwise they know that they should send the claim to your insurance company. Can you elaborate? I don't understand. The remaining deductible is determined from a call to the insurance company. That amount is required of the custome...
by wander
Fri Jun 05, 2015 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?
Replies: 52
Views: 4354

Re: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?

I guess the this office does not think HDHP is an insurance plan (at least it happened to a doctor office I visited a few years ago when HDHP was new. They charged me a non-return fee $50 to make sure they got paid), otherwise they know that they should send the claim to your insurance company.
by wander
Fri Jun 05, 2015 9:13 am
Forum: Personal Consumer Issues
Topic: Which grocery stores do you shop at and why?
Replies: 93
Views: 6204

Re: Which grocery stores do you shop at and why?

We like Shop Rite supermarket whenever possible. They have reasonable prices.
by wander
Fri Jun 05, 2015 9:07 am
Forum: Personal Consumer Issues
Topic: New car warranty about to expire
Replies: 18
Views: 1911

Re: New car warranty about to expire

Keep your money. I have a 2007 Acura Tsx, it passed 120k miles without any problem. Bring it to a dealer, they may give you a free nice car wash for the amount of $$$ you paid.
by wander
Fri Jun 05, 2015 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to buy a home?
Replies: 48
Views: 4407

Re: Can we afford to buy a home?

Cable/Net: 200 Cell: 120 Gym: 55 These expenses are too high (given that you aren't make full ROTH contributions and also want to buy a house). You can get two unlimited calling plans through Republic Wireless for $20. You should be able to get basic high-speed internet for $40. Instead of cable, y...
by wander
Fri Jun 05, 2015 5:58 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Federal Employment
Replies: 82
Views: 8420

Re: Thoughts on Federal Employment

I don't think it is the best. But if the OP is looking for a very stable job, then he has found one.
by wander
Fri Jun 05, 2015 5:56 am
Forum: Personal Consumer Issues
Topic: Refrigerator--Buy New or Used
Replies: 19
Views: 1469

Re: Refrigerator--Buy New or Used

Rare refrigerator fails after 11 year. Dust may just build up in the rear (condenser coil). Clean it up and it may work again.
by wander
Fri Jun 05, 2015 5:51 am
Forum: Personal Finance (Not Investing)
Topic: One million dollar home
Replies: 37
Views: 5665

Re: One million dollar home

Without knowing about the income, I think there are still variables need to consider.
by wander
Thu Jun 04, 2015 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Friends/Family that don't invest!
Replies: 94
Views: 11249

Re: Friends/Family that don't invest!

I listen to my wife and would not say anything to anyone about investing. It's a shame that people can't have intelligent thought provoking conversations about finance, politics, religion and other philosophical topics without getting all bent out shape. Frankly, I get bored to death talking on the...
by wander
Wed Jun 03, 2015 5:56 am
Forum: Investing - Theory, News & General
Topic: Right now a good time to invest in index funds?
Replies: 13
Views: 2010

Re: Right now a good time to invest in index funds?

It's your money, your choice. I am stuck with those VG funds and cannot get out :D .
by wander
Wed Jun 03, 2015 5:54 am
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 92
Views: 11106

Re: why do some people like Fidelity?

I just found out one feature that I do not like Fidelity: some funds have a 'hold' period, for example, FSGDX fund, there is a '90 days" period that if you want to redeem, there is 1% fee. FSTMX fund has a lower fee, 0.5%, in you redeem in 90 days. this prevent people from frequent trading, wh...
by wander
Sun May 31, 2015 5:01 am
Forum: Personal Finance (Not Investing)
Topic: Housing Market in SoCal
Replies: 55
Views: 5727

Re: Housing Market in SoCal

OP, you should be happy with renting. You guys still have money to put aside after rent, 401k, so you are still doing good compare to a lot of people. You cannot have both: good weather and cheap housing, so you have to make a choice. Good luck!
by wander
Sat May 30, 2015 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Can my husband retire yet?
Replies: 110
Views: 13181

Re: Can my husband retire yet?

sunny_socal wrote:
cheese_breath wrote:
anonforthis wrote:My husband will go back to work IF he gets his dream job according to him....

What IS his dream job? Will he know it if he sees it?


Stay at home while wife works :mrgreen:

+1. That's the best job in the world. He is even better position than rich folks who marry young mistresses.
by wander
Sat May 30, 2015 2:55 am
Forum: Investing - Help with Personal Investments
Topic: Roth 401k Question
Replies: 5
Views: 670

Re: Roth 401k Question

I have had a Roth IRA for about 10 years now, so I have met the 5 year requirement. I am also aware that I can withdraw contributions at any time. My confusion is around the Roth 401k, which I have at my workplace. I have been at this job for 2 years. My question is, let's say as an example I have ...
by wander
Sat May 30, 2015 2:41 am
Forum: Personal Consumer Issues
Topic: Mazda CX-5 2015 or 2016
Replies: 21
Views: 1545

Re: Mazda CX-5 2015 or 2016

OldhondaguyNVA wrote:People here seem to be worried about lemons and unknown histories of used but isn't that what carmax and certified pre-owned is for?

I think they have no idea about what happened to the cars.
by wander
Sat May 30, 2015 2:14 am
Forum: Personal Consumer Issues
Topic: Sending in laptop for repairs, what about sensitive software?
Replies: 8
Views: 1035

Re: Sending in laptop for repairs, what about sensitive software?

You can send in without hard drive or with new blank one.
by wander
Fri May 29, 2015 8:13 pm
Forum: Personal Consumer Issues
Topic: Mazda CX-5 2015 or 2016
Replies: 21
Views: 1545

Re: Mazda CX-5 2015 or 2016

If cost difference is not a deal breaker for you, you should go with the new one. The benefit is you don't know if the used car was abused or not. And you have another extra year of warranty.
by wander
Fri May 29, 2015 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Can my husband retire yet?
Replies: 110
Views: 13181

Re: Can my husband retire yet?

Financially, it looks like you are capable to do so.
by wander
Thu May 28, 2015 8:23 pm
Forum: Personal Consumer Issues
Topic: Should I shorten my last name?
Replies: 70
Views: 6431

Re: Should I shorten my last name?

I don't know about you, but I would never change my last name. My wife does not want to change her last name either.
by wander
Wed May 27, 2015 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 12603

Re: How much does social security factor into your retirement income?

Like some other posts, it is nice to see SS checks. Although it's my money, but I am not sure if I have paid enough.
by wander
Wed May 27, 2015 6:04 pm
Forum: Personal Consumer Issues
Topic: Money and cell phones when traveling to Canada
Replies: 40
Views: 2716

Re: Money and cell phones when traveling to Canada

We'll also either use a large currency exchange place near our home here in the states before leaving or make one ATM withdraw when we get there. You can easily find money exchange places in Canada. There are live exchange rates on the TV for you to compare. I think you rather exchange a smaller am...

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