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by wander
Sat May 23, 2015 6:29 am
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard automatically convert to Admiral class shares?
Replies: 4
Views: 90

Re: Will Vanguard automatically convert to Admiral class shares?

If I recall correctly, several years ago when I first hit the minimum for admiral class shares of a fund, Vanguard automatically exchanged the investor class shares. Is that still the case or is there some step I need to take to ensure I get that coveted lower expense ratio? No, you have to request...
by wander
Sat May 23, 2015 5:13 am
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 62
Views: 2624

Re: Not able to max out all the retirement accounts

Yellowgirl 1) Relax, you are doing fine. With 4 kids and at just over $100k salary you cannot afford or need to max out on retirement at your age. If you were successful at doing so, your retirement life would be better than your current standard of living. With 300k in home equity you are fine. Ma...
by wander
Fri May 22, 2015 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 62
Views: 2624

Re: Not able to max out all the retirement accounts

If you have at least %15 of income investing for retirement, you guys should be fine. Our income is less than yours, but we always max 1 401k, 2 Roth IRAs, and 1 HSA accounts.
by wander
Thu May 21, 2015 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Friends/Family that don't invest!
Replies: 58
Views: 4770

Re: Friends/Family that don't invest!

I listen to my wife and would not say anything to anyone about investing.
by wander
Wed May 20, 2015 9:45 pm
Forum: Personal Consumer Issues
Topic: Is PagePlus Cellular Being Shut Down?
Replies: 16
Views: 3028

Re: Is PagePlus Cellular Being Shut Down?

Kittywireless wants to charge $15 per month for a $12 plan ($3 extra for fee). "$15.00 every month for 'RETAILPIN - PPCTHE12-MR Generic PPC Monthly Refill Card ". Even with tax, it is still cheaper at pageplus web site.
by wander
Mon May 18, 2015 9:12 pm
Forum: Personal Consumer Issues
Topic: How fast should I ride my bicycle?
Replies: 64
Views: 4231

Re: How fast should I ride my bicycle?

As fast as you can still control it.
by wander
Sat May 16, 2015 8:42 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 389
Views: 27637

Re: Will you buy an Apple Watch?

I see a lot of comments on easy to see who is calling without pulling out the phone. Actually, I receive only 1 or 2 phone call a day, so it seems the iwatch is not for me.
by wander
Sat May 16, 2015 8:22 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets: Yes or No?
Replies: 56
Views: 4028

Re: Emerging Markets: Yes or No?

Yes, I have 10% equity investing in emerging markets.
by wander
Sat May 16, 2015 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Which Company Do You Have Auto Insurance With?
Replies: 105
Views: 5271

Re: Which Company Do You Have Auto Insurance With?

GEICO because I like the gecko ads. :D
Actually, I have tried with other ins. companies but none had better deal.
by wander
Sat May 16, 2015 9:00 am
Forum: Personal Consumer Issues
Topic: How much can I spend on a car?
Replies: 157
Views: 8486

Re: How much can I spend on a car?

achen9291 wrote:I'd advise you to get a stick shift if it's to impress women as well because most of them don't know what it is and when they see you shifting, they'll be impressed...... :beer then you can save the rest of your money...

If you live in place like SF, you are going to be very busy with stick shift.
by wander
Sat May 16, 2015 8:55 am
Forum: Investing - Theory, News & General
Topic: Why is Vanguard's Web Site So Bad?
Replies: 64
Views: 4960

Re: Why is Vanguard's Web Site So Bad?

DonCamillo wrote:Today, I got an email telling me that a new prospectus was available for my Vanguard Total Stock Market Index Fund Admiral Shares.

Usually I delete any email from them and never click any link in my Email. If I want to see something, I will find it myself on VG web site. It's a none issue for me.
by wander
Fri May 15, 2015 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Am I a Millionaire???
Replies: 53
Views: 6316

Re: Am I a Millionaire???

You cannot touch that $500k in retirement account yet, so you are not yet a millionaire.
by wander
Tue May 12, 2015 9:16 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 9111

Re: I Hate Vacations

So what should I do? You don't need to do anything. If you don't want vacation, then don't. Just do what you like to do and be yourself. I take vacation, sometimes, just to stay home to work on home projects or visit my parents in other state, or go somewhere that is new to us. The world is beautif...
by wander
Tue May 12, 2015 8:59 pm
Forum: Personal Consumer Issues
Topic: Replace timing belt on old car with multiple issues?
Replies: 13
Views: 1203

Re: Replace timing belt on old car with multiple issues?

I would get rid of the car as replacing timing belt does not solve problem with the transmission.
by wander
Sun May 10, 2015 5:05 am
Forum: Personal Consumer Issues
Topic: New car vs used car -- what's your approach?
Replies: 57
Views: 2784

Re: New car vs used car -- what's your approach?

I'd like to drive car into the ground myself but I am a diy mechanic and can fix a lot of stuffs by myself. Saying that, I am not going to keep a car that no longer performs as it should. For example, if a car does not give me quickly the power when I need to accelerate (for highway entrance or exit...
by wander
Sat May 09, 2015 7:00 am
Forum: Personal Consumer Issues
Topic: When to junk a car?
Replies: 27
Views: 1897

Re: When to junk a car?

It's not the head gasket, it's the valve gasket that's leaking. Apparently the lower the lower arm struts need to be replaced as well. On top of that alignment needs to be done, and my rear rotors and break pads are close to being needed to changed out. In all I'm looking at close to 50% of the wor...
by wander
Tue May 05, 2015 6:56 pm
Forum: Personal Consumer Issues
Topic: New car every 5 years instead of 10?
Replies: 129
Views: 9837

Re: New car every 5 years instead of 10?

Sorry but I think driving a 17 year old ANYCAR is foolish from a safety perspective. I don't think there is much difference between a 2010 car and similar 2015 car, but from 1998 to now there are huge safety improvements. I view this like life, disability, fire and liability insurance. Continuing t...
by wander
Mon May 04, 2015 3:15 am
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9152

Re: Will you buy self-driving car?

I will wait until 2nd or 3rd generations to get one. I am curious how a self-driving car handles detour.
by wander
Fri May 01, 2015 7:05 am
Forum: Personal Consumer Issues
Topic: New car every 5 years instead of 10?
Replies: 129
Views: 9837

Re: New car every 5 years instead of 10?

"New car every 5 years instead of 10?" Hmmm, I guess everyone wants to do this, but not many can afford to do it. So, I think I cannot say it better than looking at car market.
by wander
Fri May 01, 2015 6:59 am
Forum: Personal Consumer Issues
Topic: Buying a new Honda Civic or keeping the old lexus...
Replies: 25
Views: 1715

Re: Buying a new Honda Civic or keeping the old lexus...

Op, for your information, my Lexus passed 200k easily.
by wander
Fri May 01, 2015 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Too late for career change/worth it?
Replies: 44
Views: 5832

Re: Too late for career change/worth it?

No, it's not too late.
by wander
Fri May 01, 2015 6:50 am
Forum: Personal Consumer Issues
Topic: Karate for kids—Thoughts?
Replies: 47
Views: 2478

Re: Karate for kids—Thoughts?

Another option is Taekwondo. It's also popular and easy to find. My nephew has learned it for some years. They travel for tournaments as well.
by wander
Fri May 01, 2015 6:45 am
Forum: Personal Consumer Issues
Topic: Can you see the Mayweather fight for less than $99?
Replies: 39
Views: 3526

Re: Can you see the Mayweather fight for less than $99?

willie838 wrote:buffalo wild wings is a chain that shows all ppvs.

I heard $10 a ticket at buffalo wild wings to watch the show in my area.
by wander
Tue Apr 28, 2015 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 185
Views: 12028

Re: engineers - please help with engineering school selectio

Not to recommend any school, but I studied at one of the University of California campuses because it was 10 minutes from my parents' house. I completed my BS degree debt free because my tuition was paid for by my employer. I would do it again.
by wander
Tue Apr 28, 2015 5:51 pm
Forum: Investing - Theory, News & General
Topic: "How much of your portfolio is in index funds, and why?"
Replies: 91
Views: 8493

Re: "How much of your portfolio is in index funds, and why?"

I have about 10% in active funds because it is at T.Rowe Price.
by wander
Tue Apr 28, 2015 5:38 pm
Forum: Personal Consumer Issues
Topic: What do you tip a valet?
Replies: 54
Views: 3973

Re: What do you tip a valet?

I watched "Ferris Bueller's Day Off" and wonder what they would do with my car. :D I rather park it myself. But when I have no choice, I would tip $5.
by wander
Mon Apr 27, 2015 9:11 pm
Forum: Personal Consumer Issues
Topic: [get music from a smartphone to an old car stereo]
Replies: 14
Views: 1009

Re: FM transmitter in car?

You may try bluetooth portable car speaker. I tried FM transmitters and they are terrible especially in the cities and you are right that clicking noise is not desirable.
by wander
Sun Apr 26, 2015 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Is the 1% Cost of Managing Money Worth It?
Replies: 53
Views: 4748

Re: Is the 1% Cost of Managing Money Worth It?

1% is not worth it. My siblings disagree with me and trust their FAs than me. But I don't care what they do with their money. :D
by wander
Sun Apr 26, 2015 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax 110% Amazon Tax Refund Bonus
Replies: 22
Views: 1912

Re: Turbo Tax 110% Amazon Tax Refund Bonus

watchnerd wrote:
wander wrote:I used to file income tax with Turbo tax, but for 2014 I used Tax Act which is much cheaper. I paid about $22 for federal and state.


Does Tax Act also offer Amazon credit?

I gave myself credit. From $69 to $22 is $47 credit.
by wander
Sun Apr 26, 2015 8:00 pm
Forum: Personal Consumer Issues
Topic: how to ask friend my money back?
Replies: 32
Views: 3399

Re: how to ask friend my money back?

sksbog wrote:Hello,
But when i brought the food, be thanked me for the food and was
No mention of money.

I might have forgotten and thought you brought the food for the party (like potluck). The easiest way is to give the receipt to him. He would just tap his forehead telling you that he totally forget. :D
by wander
Sun Apr 26, 2015 6:44 pm
Forum: Personal Consumer Issues
Topic: Volvo vs. Mercedes
Replies: 54
Views: 6070

Re: Volvo vs. Mercedes

Dutch wrote:I believe Volvo is Chinese now.

+1.
1,500 to 2,000 made-in-China cars will be in the United States this year.
by wander
Sun Apr 26, 2015 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Why I Chose Target Retirement Funds
Replies: 54
Views: 6684

Re: Why I Chose Target Retirement Funds

I told my siblings, who don't know and care about investing, to put money in a Target Retirement fund that best matches the retirement year and ignore it.
by wander
Sun Apr 26, 2015 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax 110% Amazon Tax Refund Bonus
Replies: 22
Views: 1912

Re: Turbo Tax 110% Amazon Tax Refund Bonus

I used to file income tax with Turbo tax, but for 2014 I used Tax Act which is much cheaper. I paid about $22 for federal and state.
by wander
Sat Apr 25, 2015 10:34 pm
Forum: Personal Consumer Issues
Topic: MB vs Volvo vs. Other?
Replies: 48
Views: 3766

Re: MB vs Volvo vs. Other?

karpems wrote:Anyone have any recommendations or advice on the above two vehicles or have any additional suggestions?

I pick MB GLK Diesel over Volvo XC-60 any day.
by wander
Sat Apr 25, 2015 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 7513

Re: Marriage and splitting expenses

Grt2bOutdoors wrote:
an_asker wrote:
Grt2bOutdoors wrote:87 Posts - not one comment or response from the OP. Any wonder? :twisted:

OP has responded twice.


Yes, early on in the posting, nothing since yesterday at 12:41am.

+1.
by wander
Sat Apr 25, 2015 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Taxes are killing me
Replies: 21
Views: 2925

Re: Taxes are killing me

You can always instruct payroll to withdraw more each paycheck for Federal & State taxes. Very simple.
by wander
Sat Apr 25, 2015 8:09 am
Forum: Personal Consumer Issues
Topic: My PC is driving me nuts.
Replies: 28
Views: 2117

Re: My PC is driving me nuts.

Is the Geeksquad any good? Normally, I help my relatives with these stuffs since it's simple for people who play with PC. In your case, you may want to take your PC to folks at Best Buy to check it for a fee. After that, don't use the administrator account for daily use, but create an account that d...
by wander
Fri Apr 24, 2015 1:46 pm
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 249
Views: 24995

Re: What do you drive, and why?

I am driving a 1997 Nissan truck. It is reliable, 350k miles and saves me a lot of $$$. I didn't have car payments for 18 years. And I don't care about its look. It's just a transportation mean for me.
by wander
Fri Apr 24, 2015 8:23 am
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 62
Views: 4725

Re: Who follows Age in Bonds

No, but I follow Vanguard Target Retirement closely in term of equity/bonds allocation.
by wander
Fri Apr 24, 2015 8:15 am
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 3083

Re: Who still have Cable TV?

I still have cable to get information about local emergencies (school closed due to snow, hurricanes ...) because I cannot get any over-the-air signal with my outdoor antenna. I know I can get information for free from the internet, but it is much easier and more convenient to turn on TV and see pub...
by wander
Fri Apr 24, 2015 8:09 am
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 10986

Re: How much do you pay in Property Taxes?

I pay in this range $1,001 - $2,500 annually for property tax.
by wander
Thu Apr 23, 2015 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 7513

Re: Marriage and splitting expenses

Just like a previous poster, whatever works will work. It's not right or wrong to split expenses or combine. In our case, we combine our money. I am the only earner but it doesn't mean it's my money, in my opinion. What used to be mine is now ours and I am happy about it. :D
by wander
Thu Apr 23, 2015 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Transmission oil one inch over the full line would that be a
Replies: 19
Views: 1334

Re: Transmission oil one inch over the full line would that

I have found a flashlight, a screwdriver,an oil filter wrench and my engine oil three inches above full mark after checking work through the years done by others. All of these items were found in the engine compartment. In fact the oil filter wrench fell off half way home. I heard that one hit the ...
by wander
Wed Apr 22, 2015 6:13 pm
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 43
Views: 2904

Re: Broken Oxygen Sensor on Car

I replaced all 4 O2 sensors on my car and It took me 2 hours because I had to cut and reuse old cables. It ran about $250 for all 4 sensors. If you buy new sensors with cable and connectors, replacing them is just a few snaps.
This one is easy, you need only one since it is obviously broken.
by wander
Wed Apr 22, 2015 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Transmission oil one inch over the full line would that be a
Replies: 19
Views: 1334

Re: Transmission oil one inch over the full line would that

Overfilling the Transmission Fluid
Overfilling the transmission fluid will not cause permanent damage to your car. It can cause some changes you may notice. Frothing and leaks are the symptoms of an overfilled transmission.

Read more at Ehow
by wander
Wed Apr 22, 2015 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Transmission oil one inch over the full line would that be a
Replies: 19
Views: 1334

Re: Transmission oil one inch over the full line would that

tetractys wrote:Since when has oil been checked while running?! Never heard of that in all my years! -- Tet

It's transmission oil, not engine oil.
Transmission oil dipstick has Cold and Hot. I wonder how the Op has a Full mark?
by wander
Tue Apr 21, 2015 6:05 am
Forum: Investing - Help with Personal Investments
Topic: Am I saving too much for retirement?
Replies: 27
Views: 4757

Re: Am I saving too much for retirement?

letsgobobby wrote:Why are you using roth 401k and tsp and not traditional? Especially if you are considering early retirement?

+1. I too wonder why one wants to pay tax with higher rate now just because s/he can afford it.
by wander
Sat Apr 18, 2015 10:14 am
Forum: Personal Consumer Issues
Topic: mandatory 17% tip at a buffet
Replies: 32
Views: 3608

Re: mandatory 17% tip at a buffet

Mandatory is not rare nowadays (Las Vegas is not the only place) and it is usually applied to group. Usually, a server does not tell you and you have to read it from the bill.
by wander
Thu Apr 16, 2015 6:54 pm
Forum: Personal Consumer Issues
Topic: Is 2007 Accord 60K mile service worth $300?
Replies: 54
Views: 4637

Re: Is 2007 Accord 60K mile service worth $300?

Here is what they are going to do: 1. Change the engine oil and oil filter 2. Rotate the tires. 3. Inspect the front and rear brakes. 4. Check all fluid levels and conditions. 5. Check brake lines and hoses, cooling system hoses and connections and fuel line hoses. 6. Replace spark plugs. 7. Replac...

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