Bogleheads.org

mephistophles wrote:My most recent vehicle, a Honda Accord, V6 tells me when I need an oil change.

The oil quality indicator of my car drops to zero%. I reset the number and change oil at 10k.

Outer Marker wrote:Cash.

+1

I change oil every 10,000 miles. I don't really care about the "month". For me, It's just easy to remember that way.

They always leave the packages at my door. I have never had any problem with that.

I choose VSS over VSFVX anytime.

With 7% interest, $1,000 a month should not make any progress at all since what you are paying is less than the interest.
If you want to pay it off in 30 years, you must pay at least $1330 a month.

I don't retire yet, so it doesn't matter.

I became a boglehead not because of which family I come from but because I care about my future financially.

jdilla1107 wrote:2) It's intended to not overheat your brakes.

+1. I switch to lower gear going downhill for this reason.

Look in your owner's manual. ... Anyone can do oil change/tire rotation - possibly even you - and it doesn't need to cost that much. +1. Nothing better than you take care the car yourself. I used to replace timing belt twice at dealer, but then I found out that they broke several pieces on my crank...

I would fix the car and get a rental for long distance trip. If the car breaks down during the trip, rental car companies usually replace it quickly.

Thanks all for your inputs. Below are options I read on Wells Fargo website, it seems there is no option for H&R. Our Account Download feature lets you export account information, including balances, holdings and transactions, to Quicken® personal financial management software. You select the ac...

Try all possible Wells Fargo entities in the list or call up your tax software folks and ask them. For TurboTax, the entity is Wells Fargo Advisors. I submitted the Wells Fargo Advisors using H&R provided link. However I don't think it's going to happen soon, so I decide to enter it manually. T...

I find trouble with importing 1099 forms from Wellsfargo Brokerage account to H&R tax prepare software. I do not have any problems with importing these forms from Vanguard and Charles Schwab. Regarding to Wellsfargo, the only option that H&R is offering is from "Wells Fargo Advantage Fu...

20.0%.

You likely have 2 different problems. GM V6 engines have a problem with the intake manifold where the water jackets (which are the path that collant runs through to cool the engine) are situated such that they can leak into the intake manifold if the intake manifold gasket goes bad. If you get cool...

Toons wrote:10 Worst States for Retirement?Oct. 2012

9. Maryland — high property taxes and other costs

http://www.aarp.org/work/retirement-pla ... ent.2.html

I don't know why New Jersey is not higher than Maryland in property tax.

... The officer claimed I was going 80 miles per hour while the speed limit is 65. I told the officer I sped up so I can change one lane and exit the freeway. I believe I was going at a similar rate as other cars and going with the flow of traffic. I want to fight the citation. How can I do it? The...

FrugalInvestor wrote:I keep a minimum amount in HSA bank to avoid fees and invest the excess in Vanguard funds through Ameritrade.

I don't remember ever paid fee to HSABank for low balance.

Let Vanguard pull the money. I rolled Roth IRAs from 3 separate companies into one Vanguard Roth IRA, all initiated at Vanguard website. One required a medallion signature, but besides that I had no contact with anyone but Vanguard (and really minimal contact with them besides faxing a few things)....

It's difficult to say. The feeling of losing 50% of $100,000 portfolio is different than $1,000,000 or $5,000,000 portfolios. Only you can have the answer.

jimmyrules712 wrote:I'm contemplating at this point moving our IRAs to Fidelity instead. What would you do?

Schwab is a good company that offers a lot of low cost index mutual funds and ETFs. You lose nothing to stay with that company.

Not sure how they define reliability. My 97 Nissan truck (never make the list) has 320k miles on it and is still rolling strong. I never had any problem with transmission, suspension, or engine. Everything except timing belt, spark plugs, belts and water pump are originals.

Your wife's safety is important. If you cannot fix small problems and have to send to repair shop every time for maintenance, then it's time to buy a new one. The more you send it to the repair shop, the more problems it will become.

I would recommend Nissan Maxima.

10.00%.

I do nothing out of ordinary.

Maybe a bit high, but not outrageous. Remember not to cheap out on things like the water pump on this job. If it starts leaking at 100,000 miles, you will be paying most of the same labor all over again to get it replaced. +1. $884 is fair price. I used to pay $700 for timing belt, water pump and o...

My daughter who has no interest in investing has $20,000.00 to invest. I was thinking about some version of a Lazy Portfolio but I was wondering shouldn't she be aggressive at her age? You need to tell her that investing is also to lose money (in short term), otherwise, she will be very upset if su...

sdrone wrote:Absolutely.

+1.
You always have time to decide if you want to get married.

H&R Block Deluxe + State + 5 efiles is $29.89 today on Amazon. It was $21.99 last week. TurboTax Deluxe + State + 5 efiles is $39.99. H&R Block is 25% less today, almost half price a week ago. You need to compare H&R Block Deluxe with Turbo Tax Premier. If you have investment, you need ...

I tried H&R Block 2012. It did not have the option to import data from Charles Schwab and although it does import 1099-DIV from other financial institutions it does not give details of the fund information other than just "Vanguard" for all of them.

gane wrote:I am so far ahead in car payments I don't actually have a car payment until next year (1/01/2014).

What does delay really mean? It seems the bank does not apply your extra amount to the principle.

Toons wrote:When I had a mortgage I always paid taxes ,insurance separate

+1.

I've got used to Turbotax DIY tax preparation and do not want to change. The convenience of old data will be imported to new software gets me to buying Turbotax again.

My understanding is that you can only withdraw money equal to previous expenses. If this is true, then access to the HSA funds are restricted by past expenses, and I don't really want lots and lots of my investment portfolio tied up in an HSA. At retirement, you can only withdraw money equal to med...

Can someone please explain why everyone treats HSA funds like an investment vehicle. The HDHP is a great way to lower insurance premiums while still insuring against major medical expenses, but I don't understand why you would want to add funds in excess of the yearly deductible. Are other boglehea...

I only use and recommend Intel SSDs. Currently 120GB Intel 520s are our standard storage. I was one of the lucky ones to have a OCZ just not boot one day. +1. I was one of the first people who adopted SSDs. I got one OCZ SSD. It was working fine on my Dell laptop for one-two months and stopped boot...

I change oil not to save money but to know exactly what kind of oil I put in it. Not that I don't trust auto mechanic, but they may make mistake between regular and synthetic oil.

I really don't know my 2012 return, but I know my portfolio is all time high.

I have enough to cover one month of spending.

I don't know about best place, but Walmart is the first place I check oil price before everywhere else; and I only use synthetic oil.

YDNAL wrote:we rebalance to maintain risk based on ability and need for risk

+1.

Assuming you already have other account than HSA, then you only need one fund in HSA for your total portfolio. Although I have many choices, I only have one Real Estate fund in my HSA account because I treat it as one piece of the pie chart. If I were you, I would start with VANGUARD SMALL CAP INDEX...

neophyte wrote:Recently getting back into receiving a salary (was doing many jobs with no consistent income for about a year) and wondering if I should try to fully fund my HSA for 2012 in the next 4 months?

You should get rid of the CC's balance first before funding HSA.

16 years old, 310,000 miles, still running well.

If the accident was minor, you should spend $1k to fix and keep it. My friend puta about 210,000 on his 2001 Honda Accord and it still runs smoothly.

I hate it when people relay this myth. Keep working hard and you'll be rewarded with a promotion or a pay bump. Otherwise, find another company that appreciates your efforts. Playing the victim is just sad. Anyway, I got a promotion and a raise. So, I'm up 12% minus 2% for the payroll tax. So +10%....

I am also amazed that some people get paid in advance. I have only worked for one company but they always paid in arrears. What happens if you quit? Most people get paid this week for previous two weeks. If they quit by the end of this week, they will have to come back to collect payment for this w...

I find minivan is more comfortable for long distance trip and kids have more room to play compared to SUVs.