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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 7:03 am
 
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 70
Views: 4611

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 9:00 pm
 
Forum: Investing - Theory, News & General
Topic: Pimco vs. Jack Bogle on active management of bonds
Replies: 18
Views: 1970

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 11:45 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 37
Views: 4038

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 11:35 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6240

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 5:15 am
 
Forum: Personal Consumer Issues
Topic: Buy a new car, or fix the old one?
Replies: 55
Views: 2946

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 8:14 pm
 
Forum: Investing - Theory, News & General
Topic: Wells Fargo/WellsTrade
Replies: 13
Views: 1279

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 8:07 am
 
Forum: Personal Consumer Issues
Topic: Hyundai vs. Toyota
Replies: 45
Views: 4683

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 8:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife Expecting, Down to One Income Source
Replies: 116
Views: 8155

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 9:58 pm
 
Forum: Personal Consumer Issues
Topic: Page Plus To Offer 4G LTE in October
Replies: 4
Views: 933

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 9:13 pm
 
Forum: Personal Consumer Issues
Topic: 2014/2015 Honda Accord vs. 2014 Toyota Avalon
Replies: 54
Views: 5328

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 8:49 pm
 
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 64
Views: 8510

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 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I include [banked vacation days] in my net worth?
Replies: 40
Views: 2968

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 7:14 am
 
Forum: Personal Consumer Issues
Topic: How Long Should I Keep My Car?
Replies: 50
Views: 4086

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 6:43 am
 
Forum: Investing - Help with Personal Investments
Topic: When/how to rebalance?
Replies: 19
Views: 1247

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 6:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house in cash if you had enough?
Replies: 59
Views: 4335

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 5:11 am
 
Forum: Personal Consumer Issues
Topic: New car and how to handle my father's trade in
Replies: 25
Views: 1788

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 10:09 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5885

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 9:26 am
 
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 64
Views: 8510

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 8:22 am
 
Forum: Personal Consumer Issues
Topic: Air Purifier for Allergies
Replies: 29
Views: 1965

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 7:14 am
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5885

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 8:37 am
 
Forum: Personal Consumer Issues
Topic: Refrigerator problem
Replies: 20
Views: 1723

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 8:30 am
 
Forum: Personal Finance (Not Investing)
Topic: What do you pay for comprehensive and collision on your auto
Replies: 7
Views: 843

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 5:44 am
 
Forum: Personal Consumer Issues
Topic: V6 or V8 engine for new Chrysler 300
Replies: 25
Views: 1736

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 7:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Is My Car Insurance Plan Enough? - the Bogle way!
Replies: 18
Views: 1417

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 9:01 pm
 
Forum: Investing - Theory, News & General
Topic: Do you consider your emergency fund part of your portfolio?
Replies: 50
Views: 3091

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 7:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Needed $1M age 40
Replies: 18
Views: 2073

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 7:18 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have a Nest learning thermostat?
Replies: 19
Views: 1638

Re: Anyone have a Nest learning thermostat?

We installed the Nest a year ago in our home. I don't actually see any money saving comparing to our much cheaper programmable thermostat. This one looks cool and is easy to program.
by wander
Mon Sep 08, 2014 6:48 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have a Nest learning thermostat?
Replies: 19
Views: 1638

Re: Do I need bonds?

I'll say zero bonds might be ok for you, since you seem to be essentially asking permission. You say you can cover 25% of expenses, so I'll assume (ok, maybe a bit of a jump) more like 50% of non-discretionary and non-job-related expenses. As long as you're covered for disability, you should be ok,...
by wander
Tue Sep 02, 2014 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I need bonds?
Replies: 43
Views: 2895

Re: sell a 7 year old car or keep it?

I have a 7 year old Lexus (GS 350) with low mileage and in great shape. Paid off of course. According to car websites, worth about $20,000 as a trade-in. Should I trade it in now while it's still worth a fair amount, or should I keep it until it starts costing me money? So far it's cost me nothing ...
by wander
Mon Sep 01, 2014 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: sell a 7 year old car or keep it?
Replies: 16
Views: 1701

Re: Ideas for thanking a doctor

I think an engraved crystal plate with a stand and your kind words would be nice.
by wander
Sat Aug 30, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 75
Views: 5103

Re: The Worst Investment You Can Make: Buying a Home

Rodc wrote:So, if you think of stocks as an investment you will over buy stocks (and under buy bonds)? Or vice versa?

I own a lot of stocks and bonds in my MFs and ETFs.
by wander
Fri Aug 29, 2014 9:23 am
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 16451

Re: Poor Janus, a look at this once high flying fund family

JPH wrote:I did well with Janus for a long time. I got out in 2003 when they were involved in a market timing/after hours trading scandal.

I too invested with Janus then left. I had enough with growth investing and scandal.
by wander
Fri Aug 29, 2014 9:21 am
 
Forum: Investing - Theory, News & General
Topic: Poor Janus, a look at this once high flying fund family
Replies: 72
Views: 7588

Re: When, if ever, should an annuity be used in retirement p

I may consider an annuity to cover enough basic living expenses in retirement (food on the table, ...).
by wander
Fri Aug 29, 2014 7:52 am
 
Forum: Investing - Help with Personal Investments
Topic: When, if ever, should an annuity be used in retirement plans
Replies: 32
Views: 2462

Re: Debating whether to keep current vehicle or purchase ano

I would keep the car, save money for upcoming car purchase. By the way, I am driving an 18-year old car, 340k miles, driving to work 30 miles round trip daily but haven't thought about getting a replacement soon. Understand your daily trip is longer but you are already covered by insurance road serv...
by wander
Fri Aug 29, 2014 7:36 am
 
Forum: Personal Consumer Issues
Topic: Debating whether to keep current vehicle or purchase another
Replies: 44
Views: 2443

Re: pay health bill from HSA or from checking?

Here's the big question I have (and it may be different per institution) but let's say you plan on never tapping into the HSA until old age. You are 100% invested. A year later you break your leg. You're in so much pain and not thinking clearly that you end up accidentally swiping your HSA debit ca...
by wander
Fri Aug 29, 2014 7:21 am
 
Forum: Personal Finance (Not Investing)
Topic: pay health bill from HSA or from checking?
Replies: 70
Views: 4042

Re: The Worst Investment You Can Make: Buying a Home

A home that is your residence is not an investment, it is an expense plain and simple. If you make the mistake of viewing it as an investment you'll make a number of behavioral errors, the most common one being buying too much house. +1. When I started living independently, I looked for a place tha...
by wander
Fri Aug 29, 2014 5:39 am
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 16451

Re: pay health bill from HSA or from checking?

I am with caklim00. I clean up the receipts every year knowing losing tax advantage.
by wander
Thu Aug 28, 2014 8:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: pay health bill from HSA or from checking?
Replies: 70
Views: 4042

Re: Hit a financial milestone at an age milestone

These threads always generate a predominance of congratulatory responses and a few skeptics. It just goes to show you that it's not how much you make, it's how much you spend: if you make $200k per year and spend $75k you'll simply be much further ahead than if you make $200k and spend $125k. Congr...
by wander
Thu Aug 28, 2014 5:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Hit a financial milestone at an age milestone
Replies: 50
Views: 5149

Re: Looking to buy a new car but hesistant.

You can afford it.
by wander
Tue Aug 26, 2014 4:13 am
 
Forum: Personal Consumer Issues
Topic: Looking to buy a new car but hesistant.
Replies: 17
Views: 1668

Re: S&P500 over 2000

I am still far away from my retirement day and a peak market doesn't help me much. I hope it will be at peak when I retire.
by wander
Tue Aug 26, 2014 4:05 am
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5521

Re: Should I fix a "totaled" car

I would let it go. There is no point to fix it.
by wander
Sun Aug 24, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Should I fix a "totaled" car
Replies: 38
Views: 2907

Re: 87 Year Old Grandmother Has $600,000 In the Bank

She is 87 years old. She can take $60,000 per year for the next 10 years, bringing her to 97, without any risk. I say, leave it but make sure that it is properly insured by FDIC. If you feel the need to do something, put it in a rolling CD ladder to pick up a little more risk-free interest. Or TIPS...
by wander
Sun Aug 24, 2014 8:31 am
 
Forum: Investing - Help with Personal Investments
Topic: 87 Year Old Grandmother Has $600,000 In the Bank
Replies: 42
Views: 5657

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

You shouldn't assume this is a matter of economic analysis. People don't generally buy hybrids to save money. It's true. But I know a friend who traded in his Honda Accord for a Prius simply because of saving fuel cost. I think you should take drive test both cars. Whichever is more comfortable for...
by wander
Sat Aug 23, 2014 8:47 am
 
Forum: Personal Consumer Issues
Topic: 2014/2015 Honda Accord vs. 2014 Toyota Avalon
Replies: 54
Views: 5328

Re: Which 4 door with 250+ hp

I think Nissan Maxima is a good choice: powerful and reliable.
by wander
Thu Aug 21, 2014 9:57 pm
 
Forum: Personal Consumer Issues
Topic: Which 4 door with 250+ hp
Replies: 104
Views: 8347

Re: Wash D.C. speed camera - how accurate?

I got a ticket in D.C. I paid it anyway. I think unless you have a black box installed in your car monitoring speed, you have no evidence to prove them wrong. My problem is how do they prove to me that their machine never failed.
by wander
Thu Aug 21, 2014 8:59 pm
 
Forum: Personal Consumer Issues
Topic: Wash D.C. speed camera - how accurate?
Replies: 40
Views: 2502

Re: Dealership wants to buyback my car

You can try this: without buying a new car, ask the sale man how much he would pay for your car? You will be surprised how cheap the dealer wants to pay for your car.
by wander
Tue Aug 12, 2014 10:32 pm
 
Forum: Personal Consumer Issues
Topic: Dealership wants to buyback my car
Replies: 32
Views: 3502

Re: What to do with disbursement check?

Did your wife have any after tax money in the 401k? No, all this money was funded into her 401k account after she requested the full rollover. The account stayed opened for two years and now they want to clean it up. If they want it back, then take it and we don't have to worry about cashing/deposi...
by wander
Fri Aug 08, 2014 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with disbursement check?
Replies: 11
Views: 1583

Re: What to do with disbursement check?

It seems they thought they owed my wife more so they gave her this check after two years. :dollar . I cashed the check and sent another check with before tax amount. A $1,000 is not much, but we want to do it correctly and not to pay unnecessary penalty.
by wander
Thu Aug 07, 2014 10:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with disbursement check?
Replies: 11
Views: 1583
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