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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: 11
Views: 715

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: 1453

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: 58
Views: 2774

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: 15890

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: 69
Views: 6365

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: 2320

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: 41
Views: 2052

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: 3865

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: 15890

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: 3865

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: 4909

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: 1605

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: 5340

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: 32
Views: 2186

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: 5480

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: 52
Views: 3987

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: 83
Views: 6013

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: 2411

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: 3418

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: 1547

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: 1547

Re: What to do with disbursement check?

Thanks livesoft and Leif for your quick responses. The amount is about $1,000 and my wife has no idea where the money come from since she did the full rollover last year and deposited the check to her IRA account at Vanguard. You have made good points that she needs to make sure with her old company...
by wander
Mon Aug 04, 2014 11:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with disbursement check?
Replies: 11
Views: 1547

What to do with disbursement check?

I couldn't find answer using search function so I have to post in the forum. If you know a link, please let me know. My wife stopped working for a company few years ago, but moved her old 401k fund to Vanguard IRA Rollover last year. Just few days ago, she received a check in her name from the old c...
by wander
Mon Aug 04, 2014 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with disbursement check?
Replies: 11
Views: 1547

Re: Was ready to pull plug on Janus..until

I guess the OP didn't invest in Janus funds during end of the 90s. In recent years, it paid fine for permitted excessive trading in its mutual funds.
by wander
Wed Jul 30, 2014 8:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Was ready to pull plug on Janus..until
Replies: 66
Views: 4059

Re: Vanguard eliminates fee on FTSE All-World ex-US Small-Ca

Fee was the reason I didn't own this fund. Now, it's time to start investing in this fund.
by wander
Sun Jul 27, 2014 7:44 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard eliminates fee on FTSE All-World ex-US Small-Cap
Replies: 35
Views: 5155

Re: Sshwab vs. Vanguard for index funds

tainted-meat wrote:Can't really go wrong either way.

+1.
by wander
Sun Jul 27, 2014 7:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Sshwab vs. Vanguard for index funds
Replies: 15
Views: 1673

Re: How Should I Manage My 401k?

If you plan to keep 3% in bonds, then I would say to have no bonds at all for simplicity.
by wander
Sun Jul 27, 2014 7:32 am
 
Forum: Investing - Help with Personal Investments
Topic: How Should I Manage My 401k?
Replies: 7
Views: 729

Re: Fix Car or Get a New One?

If you are going to get the transmission fixed, take it to places like AAMCO. I think the suspension failed after 9 years is not too bad. I would fix the car.
by wander
Tue Jul 15, 2014 9:40 pm
 
Forum: Personal Consumer Issues
Topic: Fix Car or Get a New One?
Replies: 11
Views: 1132

Re: But why not 100% stock index fund?

To OP, It's fine for one to go 100% or even 150%, 200% on stock index fund. It depends on one's risk tolerance, which is different for everyone. (Some theory also implies that there are some investors who borrow to invest 100+% in market portfolio.) BH tend to be more risk averse or conservative an...
by wander
Tue Jul 15, 2014 4:51 am
 
Forum: Investing - Theory, News & General
Topic: But why not 100% stock index fund?
Replies: 76
Views: 7373

Re: [Poll] How often do you re-balance?

I re-balance several times a year when my asset allocation is off track.
by wander
Tue Jul 15, 2014 4:45 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] How often do you re-balance?
Replies: 25
Views: 2248

Re: Footwear in Vietnam

If you are going to ride motorbike, then shoes are the must have. Sandals are fine. Jeans are popular in Vietnam.
by wander
Tue Jul 15, 2014 4:41 am
 
Forum: Personal Consumer Issues
Topic: Footwear in Vietnam
Replies: 25
Views: 2126

Re: What after-tax income could you live on today?

Lowest: $50,000
Highest: N/A
:sharebeer
by wander
Sat Jul 12, 2014 6:43 am
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 5139

Re: Age of Bogleheads with HSA/HDHP

We are in our 40s. We have HSA for about 4 years and have been using the fund for medical expenses annually.
by wander
Fri Jul 11, 2014 6:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Age of Bogleheads with HSA/HDHP
Replies: 15
Views: 2087

Re: POLL: How Old is Your Newest Motor Vehicle? -- REVISED

My newest is a 97 Nissan truck with 340,000 miles on it.
by wander
Tue Jul 08, 2014 6:54 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Old is Your Newest Motor Vehicle? -- REVISED
Replies: 51
Views: 3072

Re: Car did not start: To dispose? How?

The car is a 1997 Honda Civic DX, with 110,000 miles. 9 months ago, it was diagnosed with an axel problem, and following Bogleheads' collective advice I replaced the axel rather than the car. Now, I am facing a similar choice. 1997 Honda Civic DX is about $1,600 (private party) with working conditi...
by wander
Mon Jul 07, 2014 1:08 pm
 
Forum: Personal Consumer Issues
Topic: Car did not start: To dispose? How?
Replies: 70
Views: 5614

Re: I think I might have too much saved in a 401k

I am confused as the title is "I think I might have too much saved in a 401k". Then "I also have $1 million saved in a taxable brokerage account (again in individual stocks)". Then "I also have $1 million saved in a taxable brokerage account (again in individual stocks)"...
by wander
Sat Jul 05, 2014 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: I think I might have too much saved in a 401k
Replies: 40
Views: 4222

Re: Hitting "The Number" too early

Op, I think you haven't reached your number yet because that number depends on other source of income that you don't receive until 55.
by wander
Thu Jul 03, 2014 7:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Hitting "The Number" too early
Replies: 49
Views: 5434

Re: do you lie about your finances to friends

Yes, I do lie if it makes people feel comfortable. I cannot say I am better than average if the guy I am talking with is broke.
by wander
Thu Jul 03, 2014 6:55 am
 
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 9283

Re: Paperless Statements (bank checking acct)

Gort wrote:For those of you who switched to paperless statements, do you like them? Is it convenient for you when reconciling your account?

I like paperless statement a lot. One time, I received my bank statement in my mailbox with a note "sorry opened by mistake, a neighbor".
by wander
Tue Jul 01, 2014 5:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paperless Statements (bank checking acct)
Replies: 64
Views: 3124

Re: The Millionaire Next Door: Are You One?

I am driving an old car, but seriously, I don't pay attention to what my neighbors are driving. I am not looking at people and feel happy about myself. The reason I am driving an old car is because I want to challenge myself to repair when it breaks. It may help me economically, but that's secondary.
by wander
Sun Jun 29, 2014 10:57 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22753

Re: What octane gas do you use to fill your car?

I always use premium gas as required by car manufacture.
by wander
Sun Jun 29, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 77
Views: 5719

Re: Will adding returns cool the upstairs bedrooms?

I normally keep the AC on 78 while I'm at work and then lower it to 70 when I get home around 5pm. By the time I put the kids to bed around 8pm, the temperature is around 74. I can't get it down to 70 degrees (what we prefer to sleep in) until after the sun goes down or about 9:30pm. If nobody is a...
by wander
Sat Jun 28, 2014 5:18 am
 
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 5046

Re: Retired Bogleheads want to relocate to California

What about renting a house? You are older now (like me :happy ). Renting could give you some real flexibility but I haven't looked at the economics of it. +1. Op, I heard people were downsizing their real estate when retiring (not the other way around). Beside Huntington Beach, place like Fountain ...
by wander
Sat Jun 28, 2014 4:58 am
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 6998

Re: Can I afford a house in this price range? ($500k)

Property tax in NJ is pretty high. I am used to 1% but I know that my friends in NJ pay about 2%+ depending on location. You need to have extra $10,000+ just for tax.
by wander
Fri Jun 27, 2014 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a house in this price range? ($500k)
Replies: 31
Views: 4477

Re: Car for a long daily commute

I would consider a $25k pay cut to not have that commute. Life is too short. Even for 12-15 months. That commute daily might take 10 years off your life. +1. Besides, the 110 mile round trip is not a big deal, but how long will it take to drive that 110 miles is a different story. For example, spee...
by wander
Fri Jun 20, 2014 7:49 am
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 6002

Re: Noise blocking earphones

You may want to try Bose around the ear quietcomfort.
by wander
Fri Jun 20, 2014 7:11 am
 
Forum: Personal Consumer Issues
Topic: Noise blocking earphones
Replies: 18
Views: 1065

Re: Will adding [air duct] returns cool the upstairs bedroom

It could be too hot in the attic. Have you measure the temperature in the attic during the day?
by wander
Sat Jun 14, 2014 8:39 am
 
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 5046

Re: Peppy V6 With Good Fuel Economy

Currently drive a 1992 Honda Accord with a 4cyl engine. My area of the country seems to be predominately SUV's and large cars with 6cyl and 8cyl engines that tailgate you and seem to get annoyed at my 4cyl driving normally. The Accord feels a bit underpowered these days and needs for torque for cit...
by wander
Sat Jun 14, 2014 8:23 am
 
Forum: Personal Consumer Issues
Topic: Peppy V6 With Good Fuel Economy
Replies: 35
Views: 3036

Re: Is the first million really the hardest?

DireWolf wrote:Does the old saying "the first million is the toughest" ring true?

Absolutely, for the first million, you start from nothing to $1,000,000. For the second million, you already have help from the first $1,000,000. Emotionally, if you are waiting for something, it is like forever. :happy
by wander
Sat Jun 14, 2014 7:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Is the first million really the hardest?
Replies: 64
Views: 7834

Re: engineers - please help with engineering school selectio

Cal Poly San Luis Obispo is also a good choice for engineering major. "Cal Poly named the West's best public-master's university for the 21st consecutive year by U.S. News". I thought about it when applying for school but I chose a University of California public school because it was clos...
by wander
Sat Jun 14, 2014 7:26 am
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 119
Views: 5427
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