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by wander
Fri May 01, 2015 7:05 am
Forum: Personal Consumer Issues
Topic: New car every 5 years instead of 10?
Replies: 88
Views: 6148

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: 1523

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: 32
Views: 3039

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: 2302

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: 34
Views: 2833

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: 11742

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: 8142

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: 3835

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: 955

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: 4516

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: 1838

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: 3289

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: 5956

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: 6363

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: 1838

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: 3382

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: 7185

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: 2829

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: 1908

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: 24446

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: 4474

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: 2880

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: 10488

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: 7185

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: 1257

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: 2742

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: 1257

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: 1257

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: 4686

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: 3538

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: 4436

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 6:41 pm
Forum: Personal Consumer Issues
Topic: using MS Excel for tracking personal finances ?
Replies: 5
Views: 1262

Re: using MS Excel for tracking personal finances ?

I save $ by using Google spreadsheet.
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: 5574

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
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: 638

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
Fri Apr 10, 2015 7:21 pm
Forum: Personal Consumer Issues
Topic: Car maintenance/time to change car?
Replies: 27
Views: 2389

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 6:56 pm
Forum: Personal Consumer Issues
Topic: Should I buy extended warranty for our new Toyota Sienna
Replies: 50
Views: 3273

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 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Can I still add to my Roth IRA for 2014?
Replies: 10
Views: 618

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
Thu Apr 09, 2015 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Question- Prior year contribution
Replies: 6
Views: 563

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 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can I really afford to retire in California?
Replies: 34
Views: 2762

Re: Can I really afford to retire in California?

You will be fine. Congratulations!
by wander
Thu Apr 09, 2015 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 141
Views: 13648

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
Sun Apr 05, 2015 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Federal employee HDHP problems setting up HSA
Replies: 11
Views: 904

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 9:37 am
Forum: Personal Consumer Issues
Topic: LOL how long do you keep old tax returns
Replies: 39
Views: 3193

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 9:32 am
Forum: Personal Consumer Issues
Topic: Home Air Filters
Replies: 44
Views: 3372

Re: Home Air Filters

I use permanent filter and vacuum/wash it monthly.
by wander
Sun Apr 05, 2015 9:28 am
Forum: Investing - Help with Personal Investments
Topic: T Rowe price
Replies: 8
Views: 1255

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
Fri Apr 03, 2015 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 319
Views: 39228

Re: What are you up YTD?

3.90 %
by wander
Fri Mar 27, 2015 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 74
Views: 8021

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
Wed Mar 25, 2015 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: repair or replace old car?
Replies: 26
Views: 2622

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
Mon Mar 23, 2015 10:37 pm
Forum: Personal Consumer Issues
Topic: Is PagePlus Cellular Being Shut Down?
Replies: 14
Views: 2544

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
Sun Mar 22, 2015 11:42 am
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 7575

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
Fri Mar 20, 2015 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff: When Should you Take Social Security?
Replies: 242
Views: 24889

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]

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