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Re: US NEWS 9 Most Affordable Placs 2 Retire

Nha Trang is cheap to live, people are friendly but also criminal are around you and you are exposed to your community (People move a lot in the US so you normally don't know much about your neighbors. It's different in Vietnam as people live in the same area their whole lives). People likely know y...
by wander
Tue Apr 22, 2014 9:02 pm
 
Forum: Personal Consumer Issues
Topic: US NEWS 9 Most Affordable Placs 2 Retire
Replies: 21
Views: 2534

Re: Sell, trade, or keep 2nd car?

Because you don't need it anymore. You should just sell it. It's a rule of thumb between need and want.
by wander
Tue Apr 22, 2014 8:51 pm
 
Forum: Personal Consumer Issues
Topic: Sell, trade, or keep 2nd car?
Replies: 9
Views: 500

Re: Just maxed 2013 Roth IRA. Should I max 2014 now too?

I max Roth IRA yearly, but I use DCA method and leave it alone.
by wander
Sun Apr 20, 2014 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just maxed 2013 Roth IRA. Should I max 2014 now too?
Replies: 21
Views: 2583

Re: POLL: why carry cash?

I almost pay with credit card for anything except some farmer's markets and Asian places that only accept cash.
by wander
Sat Apr 19, 2014 3:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 224
Views: 7346

Re: Can you please convince me to get a credit card?

I haven't in the past and don't foresee in the future the benefits of getting a credit card. Since I was a kid, I've only heard horror stories that come as a result of them. Would it be financially necessary for me to start using one? Apologies if this has been brought up before. No, it's your choi...
by wander
Fri Apr 18, 2014 10:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you please convince me to get a credit card?
Replies: 94
Views: 5160

Re: Does Vanguard charge Rebalancing fees?

JamesSFO wrote:What fees? If you hold VG ETFs at VG there are no trading fees to buy/sell?

Good catch. I didn't know trading ETF was free at VG. I used other discount broker to trade all ETFs and stocks for free. I think it used to be free, then they changed.
by wander
Fri Apr 18, 2014 10:07 am
 
Forum: Investing - Theory, News & General
Topic: Does Vanguard charge Rebalancing fees?
Replies: 19
Views: 1270

Re: Boglehead used car problem. Run It or ditch it?

frugalhen wrote:The car now has 125k on it and runs great, but it does concern me.

Since it runs great, it is not a problem now. You rather drive until it gives you problem again.
by wander
Fri Apr 18, 2014 7:42 am
 
Forum: Personal Consumer Issues
Topic: Boglehead used car problem. Run It or ditch it?
Replies: 26
Views: 2060

Re: Help me find a good slow cooker

Tiger JBA
by wander
Fri Apr 18, 2014 7:03 am
 
Forum: Personal Consumer Issues
Topic: Help me find a good slow cooker
Replies: 29
Views: 1514

Re: Does Vanguard charge Rebalancing fees?

You can re-balance with Vanguard ETFs with fees. But, if it is in taxable account then it's the tax (not fee) is what you need to worry about.
by wander
Fri Apr 18, 2014 6:36 am
 
Forum: Investing - Theory, News & General
Topic: Does Vanguard charge Rebalancing fees?
Replies: 19
Views: 1270

Re: Google Voice Not Supported on OBi Devices After May 15 2

German Expat wrote:I added voip.ms as a 2nd provider and will ride google voice to its end on my obi. Afterwards will still keep my main number on GV and just forward it to the new number on voip.ms

+1. I did the same.
by wander
Thu Apr 17, 2014 11:40 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 57
Views: 2931

Re: California Taxes - Am I Missing Something?

Chinese are buying real estate mainly in San Francisco, Los Angeles and New York.
U.S. home market pulls in more Chinese buyers
by wander
Wed Apr 09, 2014 10:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 8506

Re: Why Americans are Retiring Overseas

I live abroad, and the vast majority of my expat friends did not move abroad for financial reasons. Several are much wealthier than me, and many of us could live pretty much anywhere on the planet if we wanted to, absent visa considerations. Although you can live anywhere on the planet, you cannot ...
by wander
Tue Apr 08, 2014 7:50 am
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 9053

Re: Why pay off your house?

We paid off our house simply to have one less payment to deal with, but mostly to stop mortgage company from telling us what kind of insurance they demand us to buy for the house.
by wander
Mon Apr 07, 2014 8:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Why pay off your house?
Replies: 119
Views: 8609

Re: I accidentally discovered a coworkers salary... now what

You can help her with stopping the information from being spread by informing her about it or deleting it, after all, personal stuffs should not be on shared drive. Otherwise, if she is involved with identity theft, then you are among the people that know her personal information. Sorry, you should ...
by wander
Sun Apr 06, 2014 9:16 am
 
Forum: Personal Finance (Not Investing)
Topic: I accidentally discovered a coworkers salary... now what?
Replies: 59
Views: 5505

Re: Bogleheads/Paul Merriman

nisiprius wrote:Sorry, if I had had PRIDX "long before 2000", I would not have appreciated it.

If you graph the PRIDX vs SP-500 (from 1988 until April 2014), PRIDX is still ahead.
by wander
Fri Apr 04, 2014 10:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bogleheads/Paul Merriman
Replies: 33
Views: 3125

Re: Transmission rebuilt ($2k) or buy a new car? [Honda Civi

My brother had a shop rebuilt his 1998 Honda Civic 5 years ago. It didn't go well or maybe the shop just wasn't good about transmission. He had to replace it with an Avalon two years later. If you want to keep it, you want to bring it to Honda/Acura experts.
by wander
Fri Apr 04, 2014 5:40 am
 
Forum: Personal Consumer Issues
Topic: Transmission rebuilt ($2k) or buy a new car? [Honda Civic]
Replies: 23
Views: 1134

Re: Bogleheads/Paul Merriman

The Vanguard FTSE All‐Wld ex‐US SmCp Index fund, VFSNX, was not launched until 2009 so it would not have been possible to invest in this portfolio "long before 2000." As for Emerging Markets, VEIEX, well, it depends how long before 2000. What did you have in mind? How about this time peri...
by wander
Thu Apr 03, 2014 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bogleheads/Paul Merriman
Replies: 33
Views: 3125

Re: Bogleheads/Paul Merriman

If you have had Merriman's portfolio long before 2000, you would appreciate international small cap and emerging market exposure.
by wander
Wed Apr 02, 2014 10:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bogleheads/Paul Merriman
Replies: 33
Views: 3125

Re: Accident in a rental car on government credit card

I'm in the military and I rented a car for two weeks in March while TAD. I've never taken a certification course. Maybe it has gone away? +1. This thread makes me realize I screwed up, though, and charged my rental to a personal credit card instead of the GTCC. Time for that refresher training... Y...
by wander
Tue Apr 01, 2014 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Accident in a rental car on government credit card
Replies: 24
Views: 1314

Re: Lending money to family

Hello, We are planning to lend about 30K to my sister-in-law's family to help with their home purchase. We are giving it as a gift and do not expect any interest on it. I would like to understand what would be the tax implication for us or my sister-in-law's since this is a sizable amount. Please l...
by wander
Tue Apr 01, 2014 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Lending money to family
Replies: 25
Views: 1913

Re: How much water do you drink every day?

I drink about 70oz of filtered water daily. Spent $700 for the filter. Pricey, but we love the spring water taste.
by wander
Mon Mar 31, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: How much water do you drink every day?
Replies: 70
Views: 2857

Re: good excel app for iPad?

Options I have tried that seem to work OK: 1. Numbers (the apple version), included with newer iPads (Not as good as Keynote IMHO) 2. Google Drive (free), similar spreadsheet functionality 3. Skydrive (though for me the web app on the browser on my laptop works best) +1. I use Google Drive and its ...
by wander
Mon Mar 31, 2014 5:49 pm
 
Forum: Personal Consumer Issues
Topic: good excel app for iPad?
Replies: 28
Views: 2317

Re: Death of co-worker

In my opinion, you want to keep it balanced. You cannot live in the past, will or will/not live in the future, but you surely have to live in the present.
by wander
Mon Mar 31, 2014 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 9294

Re: New Friends are the Anti-Bogleheads, what to do?

I think we have the answer: do nothing, say nothing. :beer
by wander
Mon Mar 31, 2014 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Friends are the Anti-Bogleheads, what to do?
Replies: 93
Views: 8430

Re: We Don't want to die with Money

People are afraid of outliving their money, you are afraid of the opposite. Make sure you live happily, when you die, you don't care about anything else.
by wander
Thu Mar 27, 2014 7:11 am
 
Forum: Personal Finance (Not Investing)
Topic: We Don't want to die with Money
Replies: 45
Views: 3758

Re: Should I drop my whole life policy?

So my questions are: A) Should I keep the whole-life policy now that I'm in this far or should I cash out? B) If I cash out, what would be a better alternative? I would not keep it. If they give you the option to cash out, then take the money. My parents bought policies before but then cancelled. T...
by wander
Tue Mar 25, 2014 3:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I drop my whole life policy?
Replies: 15
Views: 1163

Re: How do I convince my 78 year old mom to go passive?

Why do you need to "maximize" her returns? She's 78 with over a million dollars. The chances that she outlives the money are probably slim. If she feels comfortable with the current setup, I'd leave her be. You haven't mentioned this guy putting her into any inappropriate investments/doin...
by wander
Sat Mar 22, 2014 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do I convince my 78 year old mom to go passive?
Replies: 28
Views: 2583

Re: Rule of thumb for replacing a used car?

My rule of thumb is I will keep a car if is in good condition (performance, physical, cosmetic). I can replace engine with less mileage one for a few thousand, still much cheaper than a new car.
by wander
Sat Mar 22, 2014 10:16 am
 
Forum: Personal Consumer Issues
Topic: Rule of thumb for replacing a used car?
Replies: 27
Views: 1787

Re: Buy a used car or pay $5,000 more to get a new one?

The only reason I'm considering a used Civic is that it's the most reliable car I could find in the price range I set for my used car search (~$15,000 or under). Reliability depends on the previous drivers as well. For example, if the owner didn't change oil last three years, it's not going to be g...
by wander
Fri Mar 21, 2014 7:35 am
 
Forum: Personal Consumer Issues
Topic: Buy a used car or pay $5,000 more to get a new one?
Replies: 62
Views: 4237

Re: Cancel Verizon cellular ($100/mo) for PagePlus resllers?

Taboose wrote:Is Page Plus Direct a seller for page plus?

Yes.
by wander
Sun Mar 16, 2014 6:07 pm
 
Forum: Personal Consumer Issues
Topic: Cancel Verizon cellular ($100/mo) for PagePlus resllers?
Replies: 60
Views: 3312

Re: When to file social security benefits 62 or 67?

Your kids are too young. Your husband should delay until 70 to file for social security.
by wander
Fri Mar 14, 2014 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: When to file social security benefits 62 or 67?
Replies: 56
Views: 2952

Re: Cousin's Wedding

It's strange to me that your cousin is asking for your contribution. Being there and contribution should be up to you. At our wedding, we loved friends and families being there with us. If you cannot go, for any reason, just let them know and it should be fine so they don't have to pay the restauran...
by wander
Fri Mar 14, 2014 9:02 am
 
Forum: Personal Consumer Issues
Topic: Cousin's Wedding
Replies: 53
Views: 3590

Re: How did you decide how much to save?

So you eat nothing but rice then? and live in a cave? :) Surely you made SOME decisions between spending some now and saving... (The proper answer to that question is "Don't call me Shirley") You are not living in the third world. Eating is not a problem in the US, as long you learn to co...
by wander
Fri Mar 14, 2014 7:54 am
 
Forum: Investing - Theory, News & General
Topic: How did you decide how much to save?
Replies: 119
Views: 9182

Re: Is there Software for one's car maintenance schedule

I use a 10 page note and leave it it the glove compartment. It's not much to write.
by wander
Sat Mar 08, 2014 8:08 am
 
Forum: Personal Consumer Issues
Topic: Is there Software for one's car maintenance schedule
Replies: 49
Views: 3054

Re: Do billionaires need umbrella insurance?

I think everyone needs umbrella insurance to protect your asset, and billionaires are not exception. But it depends on where you live and the risk you take.
by wander
Sat Mar 08, 2014 8:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Do billionaires need umbrella insurance?
Replies: 16
Views: 1845

Re: The Gecko cost me a lot of $. How often to switch car in

I switched car insurance a few times but went back to GEICO because I pay less compared to others. Other companies always give me cheaper price to switch but then jump back quickly six months later. I have excellent driving record so technically they are making good money on me :D . But I never know...
by wander
Sat Mar 08, 2014 7:40 am
 
Forum: Personal Finance (Not Investing)
Topic: The Gecko cost me a lot of $. How often to switch car ins?
Replies: 78
Views: 7696

Re: The Gecko cost me a lot of $. How often to switch car in

tetractys wrote:The answer is simple. Skillfully avoid accidents and incidences, and buy cheaper insurance. -- Tet

Accident sometimes happens when driver changes lanes dangerously and abruptly causing other drivers hitting the brakes. But, the people who causes it already fled.
by wander
Sat Mar 08, 2014 7:32 am
 
Forum: Personal Finance (Not Investing)
Topic: The Gecko cost me a lot of $. How often to switch car ins?
Replies: 78
Views: 7696

Re: What video games are you currently playing?

joe8d wrote:
vrex wrote:I have never played a video game.

Same here.

+1. Last time I played video game was 10+ years ago: car racing.
by wander
Sat Mar 08, 2014 7:05 am
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 4236

Re: How do discount brokers make money from passive investor

This is the same as credit card companies. Haven't made a cent off of me....ever. Yet they still exist. If you ever use a credit card, the credit card company makes money off of it. They make even more money if you pay interest or fees...but even if you never pay them directly, they still make up t...
by wander
Sat Mar 08, 2014 7:03 am
 
Forum: Investing - Theory, News & General
Topic: How do discount brokers make money from passive investors?
Replies: 19
Views: 1909

Re: Do I need to change my car?

In your situation, you don't need a new car.
by wander
Mon Mar 03, 2014 10:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need to change my car?
Replies: 11
Views: 681

Re: What to say to Non-Savers

gd wrote:If it's someone you are not morally responsible for, shrug it off...

+1. They maybe better shape than you think. Sometimes, I want to help steering my wife's siblings in investing, but my wife recommends me not to say anything because I may offend some people.
by wander
Mon Mar 03, 2014 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: What to say to Non-Savers
Replies: 71
Views: 5181

Re: Would you retire like this?

anonforthis wrote:Without kids, I would move back in a heart beat. Your thoughts?

I think you already have the answer. If you move back home now, you cannot afford to send your kids to universities in the future.
by wander
Mon Mar 03, 2014 1:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you retire like this?
Replies: 72
Views: 6730

Re: Time for a new car?

Last weekend, my car started to seriously overheat. I dragged the car to a shop, and the verdict is that the motor is dead. Head gasket, and generally in a bad shape, mechanic says nothing left to rebuild. (It was overheating repeatedly this past year, and various mechanics made almost 1000$ changi...
by wander
Sun Mar 02, 2014 9:47 pm
 
Forum: Personal Consumer Issues
Topic: Time for a new car?
Replies: 26
Views: 1264

Re: Do we have enough to retire?

john94549 wrote:Last I checked, I had upwards of $5M. And, no, I would not ask for advice herein.

If I had 5M, I would not hang around here. Mission accomplished.
by wander
Fri Feb 28, 2014 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do we have enough to retire?
Replies: 106
Views: 11986

Re: Took the Plunge, Bought an Accord Hybrid

OnFire wrote:Just wondering what everyone else thought of the car. And if you would have done the same...

I saw a video clip about this Accord Hybrid on CNN web page. I am waiting for my old car to stop working and get an Accord Hybrid. It looks better than a Prius.
by wander
Thu Feb 27, 2014 8:05 am
 
Forum: Personal Consumer Issues
Topic: Took the Plunge, Bought an Accord Hybrid
Replies: 45
Views: 3928

Re: Took the Plunge, Bought an Accord Hybrid

Hexdump wrote:Isn't this the 1st year for a hybrid for Honda ?

First Honda Accord Hybrid was introduced in 2005, but it was more about adding performance than MPG.
by wander
Thu Feb 27, 2014 8:00 am
 
Forum: Personal Consumer Issues
Topic: Took the Plunge, Bought an Accord Hybrid
Replies: 45
Views: 3928

Re: Synthetic engine oil worth better/cheaper in the long ru

On my Honda, I change the oil when the maintenance minder says the oil level's at 50%. Easy to do myself, and the city has an oil recycling facility that takes your old oil and filters. I wait until it hits 0%, then I change the oil. The number is not smart and doesn't know if you use regular or sy...
by wander
Mon Feb 24, 2014 7:58 pm
 
Forum: Personal Consumer Issues
Topic: Synthetic engine oil worth better/cheaper in the long run?
Replies: 89
Views: 9003

How to convince family & friends to use Boglehead Method?

If someone comes and asks me how I did, I would tell them. Otherwise, I don't need to keep wasting my time telling them something that they think is impossible.
by wander
Sat Feb 22, 2014 8:42 pm
 
Forum: Investing - Theory, News & General
Topic: How to convince family & friends to use Boglehead Method?
Replies: 61
Views: 4213

Re: Schwab or Vanguard

I have accounts at both Schwab and Vanguard and I like both of them. Schwab has low cost index funds, while not too many, it covers most of what I need. Vanguard has wide range of low cost mutual funds but most funds require minimum requirement of $3,000 which is inconvenient if you do not have enou...
by wander
Fri Feb 14, 2014 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Schwab or Vanguard
Replies: 56
Views: 4917
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