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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 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Volvo vs. Mercedes
Replies: 53
Views: 5480

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 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why I Chose Target Retirement Funds
Replies: 46
Views: 5073

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
Sun Apr 26, 2015 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax 110% Amazon Tax Refund Bonus
Replies: 10
Views: 486

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 10:34 pm
 
Forum: Personal Consumer Issues
Topic: MB vs Volvo vs. Other?
Replies: 48
Views: 3221

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 8:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 6520

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 8:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxes are killing me
Replies: 21
Views: 2720

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
Sat Apr 25, 2015 8:09 am
 
Forum: Personal Consumer Issues
Topic: My PC is driving me nuts.
Replies: 28
Views: 1755

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 1:46 pm
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 244
Views: 23445

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 8:23 am
 
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 61
Views: 3989

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 8:15 am
 
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 2706

Re: How much do you pay in Property Taxes?

I pay in this range $1,001 - $2,500 annually for property tax.
by wander
Fri Apr 24, 2015 8:09 am
 
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 178
Views: 8373

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 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 6520

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
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: 1221

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 6:13 pm
 
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 43
Views: 2552

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 6:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transmission oil one inch over the full line would that be a
Replies: 19
Views: 1221

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
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: 1221

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
Tue Apr 21, 2015 6:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Am I saving too much for retirement?
Replies: 27
Views: 4659

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
Sat Apr 18, 2015 10:14 am
 
Forum: Personal Consumer Issues
Topic: mandatory 17% tip at a buffet
Replies: 32
Views: 3521

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...
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: 4392

Re: using MS Excel for tracking personal finances ?

I save $ by using Google spreadsheet.
by wander
Thu Apr 16, 2015 6:41 pm
 
Forum: Personal Consumer Issues
Topic: using MS Excel for tracking personal finances ?
Replies: 5
Views: 1254

Re: Vehicle for tall people/Spouse wants 50k car help!

Op, with your combined salary, $50k should not be a problem in your marriage. If your wife loves it, give it to her. :sharebeer
by wander
Wed Apr 15, 2015 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Vehicle for tall people/Spouse wants 50k car help!
Replies: 77
Views: 5532

Re: T Rowe Price Real Estate vs. Vanguard REIT

Below is from T.Rowe Price web site: Closeout Fee a $20 fee is deducted from each IRA or ESA mutual fund account that is fully redeemed, transferred to a non-IRA or ESA, or transferred out of T. Rowe Price. The closeout fee also is deducted from SEP-IRA, Money Purchase Pension, Profit Sharing Plan, ...
by wander
Sat Apr 11, 2015 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: T Rowe Price Real Estate vs. Vanguard REIT
Replies: 4
Views: 635

Re: Car maintenance/time to change car?

You should change transmission oil if it has not been changed already. As you haven't experienced any smoke nor transmission lately, you rather keep it and save money for new car. And don't fix the transmission.
by wander
Fri Apr 10, 2015 7:21 pm
 
Forum: Personal Consumer Issues
Topic: Car maintenance/time to change car?
Replies: 27
Views: 2374

Re: Should I buy extended warranty for our new Toyota Sienna

My answer is NO. With experience I have had with all my cars, I do not need any kind of extended warranty.
by wander
Fri Apr 10, 2015 6:56 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy extended warranty for our new Toyota Sienna
Replies: 50
Views: 3249

Re: Can I still add to my Roth IRA for 2014?

1530jesup wrote:I have been told I can no longer contribute to my Roth for 2014.

Did s/he explain WHY? Yes, you still can but I do not know the detail like your accountant to really say if s/he is incorrect.
by wander
Fri Apr 10, 2015 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I still add to my Roth IRA for 2014?
Replies: 10
Views: 617

Re: HSA Question- Prior year contribution

brettdj99 wrote: I have had a HDHP for many years, so eligibility for 2014 won't be a concern.

I am curious why you have HDHP plan for many years but do not have HSA account until 2015? In my case, the HSA will be established for each time I apply new HDHP insurance.
by wander
Thu Apr 09, 2015 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Question- Prior year contribution
Replies: 6
Views: 562

Re: Can I really afford to retire in California?

You will be fine. Congratulations!
by wander
Thu Apr 09, 2015 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I really afford to retire in California?
Replies: 34
Views: 2750

Re: Family member asking for money

I would give to my siblings a few thousands without asking for first and second time. But third time, I think it's fair for me to know the detail why it becomes his/her problem. If s/he gets upset and is not going to talk, then s/he does not need the money and can get by without my help. At least, a...
by wander
Thu Apr 09, 2015 7:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 141
Views: 13594

Re: Federal employee HDHP problems setting up HSA

111 wrote:I don't see on FEHB where Blue Cross offers any HDHP plans. Are you sure that you have an HDHP which qualifies for an HSA?

+1. I checked the OPM website. Blue Cross does not have DPHP plan for Federal employees.
by wander
Sun Apr 05, 2015 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal employee HDHP problems setting up HSA
Replies: 11
Views: 896

Re: LOL how long do you keep old tax returns

Period of Limitations that apply to income tax returns for small business: 1. Keep records for 3 years if situations (4), (5), and (6) below do not apply to you. 2. Keep records for 3 years from the date you filed your original return or 2 years from the date you paid the tax, whichever is later, i...
by wander
Sun Apr 05, 2015 9:37 am
 
Forum: Personal Consumer Issues
Topic: LOL how long do you keep old tax returns
Replies: 39
Views: 3172

Re: Home Air Filters

I use permanent filter and vacuum/wash it monthly.
by wander
Sun Apr 05, 2015 9:32 am
 
Forum: Personal Consumer Issues
Topic: Home Air Filters
Replies: 44
Views: 3336

Re: T Rowe price

Thoughts on T Rowe? My old 401k was with T.Rowe Price and I left it there when I left the company. Price is a good firm considering its low ERs (of course, VG is exception) and no-load mutual funds. I now have accounts with several discount brokers but I don't feel I have so many funds because I tr...
by wander
Sun Apr 05, 2015 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: T Rowe price
Replies: 8
Views: 1246

Re: What are you up YTD?

3.90 %
by wander
Fri Apr 03, 2015 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 319
Views: 39152

Re: Can I afford a $1M house?

Rob Bertram wrote:But that's only a decision that you can make -- say retire at 70 instead of 65.

+1.
by wander
Fri Mar 27, 2015 8:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 74
Views: 7984

Re: repair or replace old car?

I would repair it. After replace the starter, you will drive it for a long time. I have a LS400 with 230k miles on it and it still runs great.
by wander
Wed Mar 25, 2015 9:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: repair or replace old car?
Replies: 26
Views: 2592

Re: Is PagePlus Cellular Being Shut Down?

... Page Plus does not offer the $80 dollar per year option , it is only available from secondary sellers Pageplus does offer $80 directly and it is good for 365 days when used on the Standard pay-as-you-go plan (120 day expiration when used as a cash balance on a monthly plan). Unless I don't unde...
by wander
Mon Mar 23, 2015 10:37 pm
 
Forum: Personal Consumer Issues
Topic: Is PagePlus Cellular Being Shut Down?
Replies: 14
Views: 2523

Re: The one area I disagree with Jack

Although I am not sure if I understand what Mr. Bogle means correctly but I too will treat SS as an asset. If I retire at 70 and will live to 100 year old, then I have 30 years to draw social security money. If it is going to be $10k a year then it is like my saving account that has $300k available ...
by wander
Sun Mar 22, 2015 11:42 am
 
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 7487

Maximize your Social Security benefits

I find this article interesting. Although I am still far away from 9-5 duty, I think I should include them in my retirement planning.
7 ways to maximize your Social Security benefits

[duplicate thread merged here by admin alex]
by wander
Fri Mar 20, 2015 7:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff: When Should you Take Social Security?
Replies: 242
Views: 24701

Re: What internet speed is fast enough?

Below are Netflix Internet download Speed Recommendations: - 0.5 Megabits per second - Required broadband connection speed - 1.5 Megabits per second - Recommended broadband connection speed - 3.0 Megabits per second - Recommended for SD quality - 5.0 Megabits per second - Recommended for HD quality ...
by wander
Tue Mar 17, 2015 9:39 pm
 
Forum: Personal Consumer Issues
Topic: What internet speed is fast enough?
Replies: 52
Views: 4992

Re:

Usually buy gas at Costco, happy with price and like the convenience. There're almost always long lines at Costco gas stations. With my 5% rebate credit card at any gas station, I can get Costco gas price anywhere and don't see the need to wait. I don't have a brand name preference for fuel, but us...
by wander
Sun Mar 15, 2015 12:21 am
 
Forum: Personal Consumer Issues
Topic: Do you buy "off-brand" gasoline?
Replies: 81
Views: 9586

Re: Do you really need 2.5 million to retire well?

25 times my pre-retirement income is ideal. So, if I make $50,000 a year at 59, then a portfolio of $1,250,000 should be enough for me to retire at 60. It's not income that matters, it's expenses... If you make $50,000 a year, pay $3000 in payroll taxes (6% of every check), and save $5000, you don'...
by wander
Fri Mar 13, 2015 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you really need 2.5 million to retire well?
Replies: 121
Views: 13190

Re: Do you really need 2.5 million to retire well?

25 times my pre-retirement income is ideal. So, if I make $50,000 a year at 59, then a portfolio of $1,250,000 should be enough for me to retire at 60.
by wander
Fri Mar 13, 2015 9:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you really need 2.5 million to retire well?
Replies: 121
Views: 13190

Re: How much house can we afford by Boglehead standards?

If you don't adjust anything, after contributing to your retirement accounts (401k, Roth IRAs, HSA) , taxes, you have about $4,300 leftover ($1k of cash saving, $1,150 of mortgage payment, $2,150 of other expenses). If you buy a $250,000 house, with 20% down and 4% interest for 30 year, your monthly...
by wander
Fri Mar 13, 2015 8:25 am
 
Forum: Personal Finance (Not Investing)
Topic: How much house can we afford by Boglehead standards?
Replies: 31
Views: 4753

Re: How much international is too much?

Like some posters, I keep international =< 50% in my portfolio.
by wander
Fri Mar 13, 2015 7:32 am
 
Forum: Investing - Theory, News & General
Topic: How much international is too much?
Replies: 113
Views: 9504

Re: Anyone Else Think Nest Thermostat is Buggy?

It would be a design failure - except it doesn't actually work that way. When the nest cannot connect to your wifi, it works just fine using manual control - just like any other thermostat. If you have any doubts, just disconnect your wireless router, watch, and learn. I didn't know why it acted li...
by wander
Sat Mar 07, 2015 2:41 am
 
Forum: Personal Consumer Issues
Topic: Anyone Else Think Nest Thermostat is Buggy?
Replies: 30
Views: 2985

Re: Anyone Else Think Nest Thermostat is Buggy?

The Nest does not work without wifi. For me, this does not make sense since it should still give users control just like a regular thermostat when it does not have internet connectivity.
by wander
Thu Mar 05, 2015 3:08 pm
 
Forum: Personal Consumer Issues
Topic: Anyone Else Think Nest Thermostat is Buggy?
Replies: 30
Views: 2985

Re: Is the first 100k really the hardest?

Set aside money for investing was the hardest, everything else became easy after that. Frankly, I do not remember when I got my first $100k.
by wander
Thu Mar 05, 2015 1:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 58
Views: 9345

Re: new car battery

sksbog wrote:Hello Bogleheads,
any other places would you suggest?

If you don't trust the dealer, you can have it checked at Autozone for free. If the battery is really bad, I would recommend to replace it ASAP.
by wander
Mon Mar 02, 2015 10:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: new car battery
Replies: 45
Views: 2996

Re: HSA: spend or invest?

I use it to pay my medical expenses yearly. I want that free tax now. :D
by wander
Sun Mar 01, 2015 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA: spend or invest?
Replies: 31
Views: 3454

Re: Old car insurance

Question: Why is everybody recommending comprehensive but dropping collision? If you can afford to total the car in a wreck, why would you insure the risk of flood, trees, fire, etc? It makes more sense when you remember that 93% of drivers believe they are above average. The reason why I need comp...
by wander
Sat Feb 28, 2015 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Old car insurance
Replies: 39
Views: 3040
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