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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: 2103

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: 2033

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: 2103

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: 1031

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: 778

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: 11
Views: 1215

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: 5987

Re: Anyone have a smartwatch?

Not right now. Thinking about charging smart watch everyday scares me away.
by wander
Tue Nov 11, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: Anyone have a smartwatch?
Replies: 10
Views: 946

Re: What Movie Have You Recently Watched?

Company of Heroes.
by wander
Tue Nov 11, 2014 10:24 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 218
Views: 17152

Re: Engineer: how to make more money

There are many ways to make more money out there, but you must know your number. For many engineers, 140k - 150k annually seems enough.
by wander
Tue Nov 11, 2014 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Engineer: how to make more money
Replies: 54
Views: 7311

Re: What is your age and AA?

38 90/30 stocks/bonds.
by wander
Tue Nov 11, 2014 10:17 am
 
Forum: Investing - Help with Personal Investments
Topic: What is your age and AA?
Replies: 219
Views: 56146

Re: What do you set your thermostat to (in F)?

Between 72F-75F (cold weather) right now, depending on the feelings. Different humidity levels contribute to how cold I feel.
by wander
Fri Nov 07, 2014 11:00 am
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4457

Re: The safest 4 door sedan out there

Safest is a relative term in driving. Safe depends on many factors.
by wander
Thu Nov 06, 2014 8:01 am
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4534

Re: Too much house?

Will your long distance relationship turn into having someone living with you? How will your partner feel about finding a roommate in your house if they come for a visit? I am not sure that the added cost of the extra room is worth reducing your savings rate. You may be able to afford it but there ...
by wander
Thu Nov 06, 2014 7:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Too much house?
Replies: 10
Views: 2054

Re: New vs. Used Honda CRV

I don't know about everyone, but for my buying used means with (at least) haft price so cutting the cost drastically. This means the used car will be older than 5 years old and I would expect more repairs. In your case, I would buy new car because I want to take care of the car from day one.
by wander
Thu Nov 06, 2014 7:47 am
 
Forum: Personal Consumer Issues
Topic: New vs. Used Honda CRV
Replies: 76
Views: 6160

Re: 2015 Fed HDHP Plans

Json wrote:My biggest concern with the GeHa plan is the 50% difference in catastrophic limit ($6k vs $4k). That's a pretty significant difference.

For us, our medical expenses don't get over $4000 every year.
by wander
Thu Nov 06, 2014 7:30 am
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Fed HDHP Plans
Replies: 8
Views: 1832

Re: Anyone using Page Plus Cellular

Kitty Wireless (a PP reseller) will be rolling out some new plans in the near future that differ from the basic Page Plus plans. Here's her new offerings: $7.95 - 50 minutes, 50 messages, 5 mb of data $9.95 - 150 minutes, 150 messages, 15mb of data $11.95 - 250 minutes, 250 messages, 25mb of data $...
by wander
Thu Nov 06, 2014 7:14 am
 
Forum: Personal Consumer Issues
Topic: Anyone using Page Plus Cellular
Replies: 17
Views: 903

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insura

You missed an important benefit of the HDHP. You can contribute another $5050 to the HSA tax-deductible, and it can be withdrawn tax-free. If you are in a 30% combined federal and state bracket, that's another $1515 saved, compared to investing the same money in the Roth TSP (which also grows tax-f...
by wander
Thu Nov 06, 2014 6:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 40
Views: 2189

Re: Is $700,000 enough to retire? Opinions please .

Other posts have already mentioned: $80,000 after tax is pretty high. We only plan for half of that amount.
by wander
Sat Nov 01, 2014 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is $700,000 enough to retire? Opinions please .
Replies: 86
Views: 12471

Re: Best place (with warm weather) to raise children

Best place is where you really call it your home. My best is not your best since each has different opinion.
by wander
Thu Oct 23, 2014 6:03 am
 
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 73
Views: 5337

Re: Pimco vs. Jack Bogle on active management of bonds

Not really relate to the topic discussed here, but I read this article Bogle: Pimco shows why active funds don't work written by Jeff Cox. He states that Jack Bogle is the founder of Fidelity. I wonder how a writer working for CNBC doesn't know this basic true.
by wander
Mon Oct 20, 2014 8:00 pm
 
Forum: Investing - Theory, News & General
Topic: Pimco vs. Jack Bogle on active management of bonds
Replies: 18
Views: 2028

Livesoft - Thank you

Livesoft's posts are among the better posts here that I enjoy to read. Thank you Livesoft!
by wander
Sat Oct 18, 2014 10:45 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 44
Views: 5563

Re: Anyone cancelling travel plans?

If one passenger is identified infected with Ebola, all the passengers will be sent home.
Ebola fears: Airline contacts 800 passengers, country issues travel bans
by wander
Sat Oct 18, 2014 10:35 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6416

Re: Buy a new car, or fix the old one?

Sometimes, the leak is from the top but looks like from the rack and pinion as it is at the lowest location. 2nd opinion is the best option. If I were you, I would inspect it myself. Depending on how often you have to refill power steering fluid, that bothers you, to decide if you want to repair it.
by wander
Fri Oct 17, 2014 4:15 am
 
Forum: Personal Consumer Issues
Topic: Buy a new car, or fix the old one?
Replies: 55
Views: 3093

Re: Wells Fargo/WellsTrade

BofA and Merrill Edge have similar deal going where you can get free trades, though the trades didn't include mutual funds like the Wells Fargo deal did. I've thought about jumping on the BoA deal myself. It's not similar: Merrill Edge (http://www.merrilledge.com) offers free trading of any ETF. Ac...
by wander
Wed Oct 15, 2014 7:14 pm
 
Forum: Investing - Theory, News & General
Topic: Wells Fargo/WellsTrade
Replies: 13
Views: 1308

Re: Hyundai vs. Toyota

I had bad experience with Hyundai in the early 90s so I am more leaning to Toyota, Honda or Nissan.
by wander
Tue Oct 07, 2014 7:07 am
 
Forum: Personal Consumer Issues
Topic: Hyundai vs. Toyota
Replies: 45
Views: 4912

Re: Wife Expecting, Down to One Income Source

If you need 2 incomes for mortgage then you may want to get rid of your house quickly.
by wander
Tue Oct 07, 2014 7:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife Expecting, Down to One Income Source
Replies: 116
Views: 8750

Re: Page Plus To Offer 4G LTE in October

For me, I do not see any benefits of having 4G over 3G. I don't watch video on 3G anyway. But it's nice to know. Thanks!
by wander
Fri Oct 03, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Page Plus To Offer 4G LTE in October
Replies: 5
Views: 1203

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

I didn't see any mention of the hybrid battery replacement cost. I don't know how much these models' batteries cost, but it is something to consider with a hybrid vs gas, especially since you keep your car 10+ years. If you only drive 10K miles a year, I don't see how the hybrid premium makes finan...
by wander
Fri Oct 03, 2014 8:13 pm
 
Forum: Personal Consumer Issues
Topic: 2014/2015 Honda Accord vs. 2014 Toyota Avalon
Replies: 54
Views: 5616

Re: Verizon to Page Plus - documenting my experience

I am using Pinzoo for refilling Pageplus $12 plan. I pay total $24 for both phones and don't have to pay any extra. There is trade off: you pay extra for the convenience, but I have to spend a few minutes punching in the codes. I used to setup auto-refill on pagepluscellular web site but stopped whe...
by wander
Fri Oct 03, 2014 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 64
Views: 8795

Re: Should I include [banked vacation days] in my net worth?

At some point, your net worth is large enough that your "banked vacation days" becomes really small. I would use all my vacation days simply when I look back I would regret that I should take vacation somewhere during my healthy time. Back to the question, I don't count it as my net worth.
by wander
Fri Oct 03, 2014 7:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I include [banked vacation days] in my net worth?
Replies: 40
Views: 3067

Re: How Long Should I Keep My Car?

It depends. While I am leaning to keeping the car as long as I can ( I am handy with car). There are cases that I wouldn't want to keep it any longer: safety and performance. When the car doesn't do what it should then it is time to let it go. It's up to you to decide. For example, my car is old (17...
by wander
Fri Oct 03, 2014 6:14 am
 
Forum: Personal Consumer Issues
Topic: How Long Should I Keep My Car?
Replies: 50
Views: 4232

Re: When/how to rebalance?

I re-balance when my asset allocation is off the target; And steadily, add more bonds annually.
by wander
Fri Oct 03, 2014 5:43 am
 
Forum: Investing - Help with Personal Investments
Topic: When/how to rebalance?
Replies: 19
Views: 1381

Re: Would you buy a house in cash if you had enough?

Yes, I would pay cash if I have $800k available and my house is $300k.
by wander
Fri Oct 03, 2014 5:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house in cash if you had enough?
Replies: 59
Views: 4373

Re: New car and how to handle my father's trade in

Sell your dad's present car on craigslist. If he has to trade, then use your negotiating skills on the trade, knowing what the real trade in price is, because they can't hide it in the new car sale. +1. I think you should put it on Craigslist. If the car still runs, there will be buyers depending o...
by wander
Sat Sep 27, 2014 4:11 am
 
Forum: Personal Consumer Issues
Topic: New car and how to handle my father's trade in
Replies: 25
Views: 1820

Re: iOS 8 update available today

My Iphone works fine so I don't really see the need to upgrade the software. If it doesn't break, why fix?
by wander
Wed Sep 24, 2014 9:09 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5966

Re: Verizon to Page Plus - documenting my experience

Andrew0504 wrote:Will a phone flashed from Verizon to Page Plus still get OS updates autmatically when they come out?

Yes, if you have an Iphone.
by wander
Mon Sep 22, 2014 8:26 am
 
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 64
Views: 8795

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 7:22 am
 
Forum: Personal Consumer Issues
Topic: Air Purifier for Allergies
Replies: 29
Views: 2078

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 6:14 am
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5966

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 7:37 am
 
Forum: Personal Consumer Issues
Topic: Refrigerator problem
Replies: 20
Views: 1740

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 7:30 am
 
Forum: Personal Finance (Not Investing)
Topic: What do you pay for comprehensive and collision on your auto
Replies: 7
Views: 853

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 4:44 am
 
Forum: Personal Consumer Issues
Topic: V6 or V8 engine for new Chrysler 300
Replies: 25
Views: 1761

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 6:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Is My Car Insurance Plan Enough? - the Bogle way!
Replies: 18
Views: 1467

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 8:01 pm
 
Forum: Investing - Theory, News & General
Topic: Do you consider your emergency fund part of your portfolio?
Replies: 50
Views: 3122

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 6:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Needed $1M age 40
Replies: 18
Views: 2085

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 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have a Nest learning thermostat?
Replies: 19
Views: 1658
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