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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: 65
Views: 6076

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: 25
Views: 2319

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: 2457

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: 7326

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: 220
Views: 19900

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: 51
Views: 4415

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: 9430

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: 12790

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: 12790

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: 4562

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: 9134

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: 2828

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: 2828

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: 9156

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: 2767

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: 3227

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: 2894

Re: Old car insurance

I never heard of such a thing. I worked in the auto insurance industry for 23 years and never heard of such a requirement. I reviewed insurance data and the Collision exposures (# of cars insured by the company) were always less than the Comp exposures. The only time I know when someone has to buy ...
by wander
Sat Feb 28, 2015 7:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Old car insurance
Replies: 39
Views: 2894

Re: What % of your gross income do you spend on mortgage/ren

0% mortgage but I have to pay HOA, property tax and utilities.
by wander
Fri Feb 27, 2015 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 9037

Re: Old car insurance

scrabbler1 wrote:Remember, you can always drop Collision but keep Comprehensive; you don't have to buy both or reject both.

I think different companies are different. My Ins company does not allow me to keep Comprehensive when I dropped Collision, so I dropped both.
by wander
Fri Feb 27, 2015 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Old car insurance
Replies: 39
Views: 2894

Re: Is a generator worth it?

My house loses power a few times a year, usually for just a few hours but sometimes longer. I'm thinking about getting a generator to power some things - space heater, fans, led light sticks, laptops ,phones , modem / router.(For work) .Do you think it's worth it or should we just "rough"...
by wander
Fri Feb 27, 2015 9:48 am
 
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 105
Views: 5616

Re: Are remote starters bad for cars?

Who told you to let the car warm up or idle for a few minutes? This is an old wives tale I first learned this while reading the owners manual for our 1981 BMW 320i. It specifically said not to warm up the car by idling but instead to drive sedately until the water temperature reached the normal lev...
by wander
Fri Feb 27, 2015 9:31 am
 
Forum: Personal Consumer Issues
Topic: Are remote starters bad for cars?
Replies: 41
Views: 2672

Re: Am I ready to buy a home?

I wouldn't worry about interest rates and prices. They may go up or they may go down; there's no point in driving yourself crazy trying to make predictions. If you have enough saved, go ahead and buy. If you think that after putting down the downpayment and paying closing costs, it'll leave your ba...
by wander
Fri Feb 27, 2015 7:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I ready to buy a home?
Replies: 7
Views: 772

Re: Are remote starters bad for cars?

1.) Do remote starters cause any problems with the cars electronics? I don't think so. I installed my remote starter and really enjoy having it in winter or summer. Warming/cooling air inside the car is not a big deal for me but my kids love it and engine is warm enough so I don't need to wait for ...
by wander
Fri Feb 27, 2015 7:33 am
 
Forum: Personal Consumer Issues
Topic: Are remote starters bad for cars?
Replies: 41
Views: 2672

Re: Should you tip when picking up takeout food?

My nephew worked at a restaurant where the owner kept all of the tips for carry out orders and did not distribute any of the money to the waitstaff. +1. A friend of mine worked at a restaurant, once I went there and he told me not to tip because the owner would take it. Be careful with some restaur...
by wander
Thu Feb 26, 2015 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Should you tip when picking up takeout food?
Replies: 54
Views: 3960

Re: Can I afford my dream house?

I would suggest to ask yourself this question: what if I lose my job or something happens to me tomorrow, will my family be alright financially?
by wander
Thu Feb 26, 2015 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford my dream house?
Replies: 49
Views: 4234

Re: New and over 40

I think you need help about personal finance, not investing. Your husband and you have to be on the same boat otherwise you don't have anything left to invest. The breadwinner is not "Mr. Right" in the family. It sounds to me that since your husband earns more, he has every right to spend ...
by wander
Thu Feb 26, 2015 7:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: New and over 40
Replies: 27
Views: 2499

Re: How much did you have saved up for retirement at age 30?

At age 30, I had about $50k in 401k, no taxable.
by wander
Thu Feb 26, 2015 7:09 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 13242

Re: Should I Quit My Job

I think military is a great career, but personally I would not do it if I were at your age. Physically, you cannot compete with guys who are 15 years younger than you. For example, Roger Federer was invincible in his 20s, but now is no longer dominance at 33. :D
by wander
Wed Feb 25, 2015 8:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I Quit My Job
Replies: 46
Views: 6604

Re: 401k Max-out Strategy

My company allows both percent and $ options and I find the Dollar option is really convenient. I divide $18,000 by 26 paychecks and round it up = $693. The contribution stops at $18,000 automatically and I don't have to worry about going over the allowed limit.
by wander
Wed Feb 25, 2015 4:39 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k Max-out Strategy
Replies: 16
Views: 1915

Re: What age do you guys plan to retire?

I am planning for 65 as worst case scenario.
by wander
Tue Feb 24, 2015 7:05 am
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8875

Re: What to do with disbursement check?

This has always been the way indirect IRA rollovers have been reported on 1099-R but usually without the tax being withheld. You list it as a "Rollover" right next to the distribution amount on the front of Form 1040. Report the tax as being withheld and count it with the other taxes that...
by wander
Sat Feb 21, 2015 11:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with disbursement check?
Replies: 14
Views: 2016

Re: What to do with disbursement check?

So we received a check of $800, $200 was withdrawal as federal tax. The total amount was $1,000. We deposited the $800 to my checking account and wrote a check of $1,000 to vanguard as rollover with a copy of distribution letter from the company. This was done within the 60 days rule. Now, we receiv...
by wander
Fri Feb 20, 2015 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with disbursement check?
Replies: 14
Views: 2016

Re: where to put excess cash

So the question is, with extra taxable money left over with no set goal or timeline, where should I put that money? I don't want to mix it in with retirement accounts because if I ever need to pull the money out and use it, it would throw my asset allocation for retirement out of whack. Add more to...
by wander
Thu Feb 19, 2015 7:52 am
 
Forum: Investing - Help with Personal Investments
Topic: where to put excess cash
Replies: 18
Views: 3002

Re: How often and how much should I raise the rent?

I think you are already making a nice profit. $12,000 a year on a $110,000 investment is pretty good.
by wander
Tue Feb 17, 2015 4:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: How often and how much should I raise the rent?
Replies: 25
Views: 1710

Re: Extended car warranty - worth it?

No, it's not worth it. You can put that $59 aside for future car repair.
by wander
Tue Feb 17, 2015 2:05 pm
 
Forum: Personal Consumer Issues
Topic: Extended car warranty - worth it?
Replies: 30
Views: 1953

Re: Is it worth it to buy a condo vs a house.

Altephor wrote:Let me clarify:
But of course, we're still paying for someone else's mortgage.

If you don't stay on mortgage for at least 5 years, you are likely to lose money buying a house. The true is you are paying someone's mortgage, but you also let the landlord take care of fixing stuffs.
by wander
Tue Feb 17, 2015 11:09 am
 
Forum: Personal Consumer Issues
Topic: Is it worth it to buy a condo vs a house.
Replies: 41
Views: 5132

Re: New Lexus NX Not an Economy Bargain

Some times you lose efficiency (your gas mileage drops by 5%) along with power. Personally this always struck me as one of those non issues. Imagine you driver 15k miles/yr *20mpg. We are talking 150 (.20 premium. Feel free to use your local difference)/yr. For someone buying a close to 40k car, th...
by wander
Mon Feb 16, 2015 9:58 pm
 
Forum: Personal Consumer Issues
Topic: New Lexus NX Not an Economy Bargain
Replies: 38
Views: 3150

Re: New Lexus NX Not an Economy Bargain

I think you expect to trim performance switching to lower octane, but it is in the range that you cannot feel it. Usually, the car will adjust and should be fine with either regular or premium. But if it starts to knock when switching to regular, then you want to switch it back to premium. It's pers...
by wander
Mon Feb 16, 2015 8:18 pm
 
Forum: Personal Consumer Issues
Topic: New Lexus NX Not an Economy Bargain
Replies: 38
Views: 3150

Re: How to Investing 250000 now?

Like other people here, I am always in the market either it is all time high or low. Diversify and AA really work for me.
by wander
Mon Feb 16, 2015 7:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Invest $250,000 now?
Replies: 15
Views: 3030

Re: Does anyone like the new Toyota/Lexus grilles?

It doesn't look too bad. I will buy if I need one today.
by wander
Mon Feb 16, 2015 10:00 am
 
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 61
Views: 3931

Re: Overfilled Oil in Car - Cause of Oil Leak?

Unless you know where the oil is leaking from, guessing is just like throwing darts. Your case seems easy since you actually see oil drops, and you may need to crawl underneath of the car to find out. If you don't want to fix it all together, you can add oil often. It's not a big deal to check/refue...
by wander
Sun Feb 15, 2015 7:44 pm
 
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 33
Views: 2032

Re: Which light bulbs are best bang for the buck?

I no longer buy or install fluorescent bulbs because of the Mercury risk if I break one. I still have an inventory of Edison bulbs but occasionally buy led bulbs where heat is an issue. As my Edison's run out I'll switch to led. I even took some fully operational fluorescent bulbs to osh for proper...
by wander
Fri Feb 13, 2015 5:19 am
 
Forum: Personal Consumer Issues
Topic: Which light bulbs are best bang for the buck?
Replies: 41
Views: 3613

Re: Car issues. [2009 Cadillac CTS - fix or sell]

Hi all I had my father in law (a mechanic) change my oil with Mobil 5W30 synthetic oil about 6 weeks ago. I checked my oil this past Saturday and, again, bone dry. Put in 5QT and it probably could have taken one more. - I suggest to stop using Synthetic oil and start using regular oil. I think synt...
by wander
Mon Feb 09, 2015 10:31 pm
 
Forum: Personal Consumer Issues
Topic: Car issues. [2009 Cadillac CTS - fix or sell]
Replies: 56
Views: 3604

Re: Are the expensive air purifiers worth the money?

I have been using Oreck DualMax air purifier and Air-O-Swiss humidifier. The Oreck has ultra violet light to sanitize air and filter can be washed and reused when the Truman cell detect too much dust on the ionized plates. The Air-O-Swiss humidifier level matches with my weather station. We are plea...
by wander
Sat Feb 07, 2015 7:12 am
 
Forum: Personal Consumer Issues
Topic: Are the expensive air purifiers worth the money?
Replies: 29
Views: 1997

Re: Why is TSP Bond down?

lack_ey wrote:are they necessarily selling bonds to others to make that happen?

What I think is most investors keep stocks and bonds portfolio, come from the same pot of money, and have to sell bonds to buy stocks. But this is very small.
by wander
Fri Feb 06, 2015 7:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Why is TSP Bond down?
Replies: 6
Views: 838

Re: Why is TSP Bond down?

It looks like investors sell bonds to buy stocks. Stocks and bonds are somewhat inverse correlated.
by wander
Thu Feb 05, 2015 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why is TSP Bond down?
Replies: 6
Views: 838

Re: Are car loans really that bad?

Long time ago, I was for buying new car and drove it into the ground. Now I can fix car so I rather buy used cars with cash and keep investing the extra. Instead of buying $30k car, I can off for a $10,000 used car and let the $20k grow without giving up the 2% I lost for the amount I owe the bank. ...
by wander
Tue Feb 03, 2015 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are car loans really that bad?
Replies: 86
Views: 6899

Re: Wells Fargo - no more 100 free trades (for new accounts)

Sounds to me that any WellsTrade account, existing or new, not currently part of the PMA package as of end of day 3/31 will NOT get free trades. This likely also means that if any existing account is pulled off the package and later gets re-added, it loses it's free trades. Other than if you sudden...
by wander
Fri Jan 30, 2015 9:41 am
 
Forum: Investing - Theory, News & General
Topic: Wells Fargo - no more 100 free trades (for new accounts)?
Replies: 23
Views: 9832

Re: US citizen vs green card

Could be deported if convicted of a crime +1. Then it will affect all your investments. - Benefit from US tax laws If your spouse is also a US citizen, you can leave real estate to him or her that will be exempt from property taxes. US tax laws also allow other free exchanges of real estate between...
by wander
Fri Jan 30, 2015 6:13 am
 
Forum: Personal Finance (Not Investing)
Topic: US citizen vs green card
Replies: 37
Views: 3648
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