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

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

The original thread was a year ago.
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: 4331

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: 4331

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: 31
Views: 1907

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: 4438

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: 2668

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: 4350

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: 4438

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: 4350

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: 6501

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: 6838

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: 1570

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: 18881

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: 1570

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: 893

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: 4448

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: 6270

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: 1133

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: 4339

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: 1637

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: 2470

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: 2754

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: 2470

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: 1085

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: 808

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: 2668

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: 6248

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: 1155

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: 262
Views: 28618

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: 7395

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: 56705

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: 4620

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: 4633

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: 2117

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: 6470

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: 1942

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: 956

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: 2653

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: 12623

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: 5413

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: 2077

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: 5739

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: 6486

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: 3148

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: 1323

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: 5192

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: 9061

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: 7
Views: 2090
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