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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: 24
Views: 3436

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: 1606

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: 698

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: 1120

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: 7089

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: 2211

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: 18
Views: 1438

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: 5045

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: 2043

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: 3022

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: 5550

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: 4185

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: 5387

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: 8958

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: 3062

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: 22395

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: 76
Views: 5347

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: 4844

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: 6877

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: 4408

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: 5886

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: 993

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: 4844

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: 2979

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: 7770

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: 5267

Re: engineers - please help with engineering school selectio

My advice is not for school but for reality. Smart person can be successful anywhere he goes (I am talking about national universities level): Attend in state schools close to home that s/he can drive to school (less than 20 minutes is ideal), work part time in summer, and have no debt out of school...
by wander
Fri Jun 13, 2014 7:16 am
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 119
Views: 5267

Re: Peppy V6 With Good Fuel Economy

Op, unless you don't want anything to do with Honda, you can just buy another Honda (newer four engines or a V6 will do) . Engine wear and tear is inevitable.
by wander
Thu Jun 12, 2014 7:54 am
 
Forum: Personal Consumer Issues
Topic: Peppy V6 With Good Fuel Economy
Replies: 35
Views: 2979

Re: Apple looks interesting right now

stemikger wrote:Does anyone else feel this way with the recent split.

No.
by wander
Wed Jun 11, 2014 2:07 am
 
Forum: Investing - Theory, News & General
Topic: Apple looks interesting right now
Replies: 35
Views: 2399

Re: Should I move from Fidelity to Vanguard?

You will do fine with either Fidelity or Vanguard.
by wander
Wed Jun 11, 2014 2:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I move from Fidelity to Vanguard?
Replies: 44
Views: 3585

Re: Help me invest my HSA

As you also have 401k, the HSA should be treated as part of your overall portfolio.
by wander
Wed Jun 11, 2014 2:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me invest my HSA
Replies: 11
Views: 896

Re: Should I buy the most expenisve house in the neighborhoo

hmw wrote:I don't know how long we will stay in West Texas. I am hoping to stay for 10 years, but you never know.

What do you think? Should I even make an offer?

Thanks

If you don't know how long you are going to stay there, then you should continue renting.
by wander
Wed Jun 11, 2014 1:51 am
 
Forum: Personal Consumer Issues
Topic: Should I buy the most expensive house in the neighborhood?
Replies: 39
Views: 4294

Re: Cost to change struts in lexus

Kinda premature to recommend ball joints without doing the prerequisite tests. At a minimum, the vehicle owner needs to look at the boots for tears and / or cracks. Next check would be to lift the front of the vehicle, grab the tire at the 12 and 6 positions, and try to rock it back and forth. If i...
by wander
Wed May 28, 2014 11:19 pm
 
Forum: Personal Consumer Issues
Topic: Cost to change struts in lexus
Replies: 12
Views: 2122

Re: Poll: Are you going to retire? And if so, when?

I will retire at 55 when I can draw money from 401k fund.
by wander
Wed May 28, 2014 10:21 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Are you going to retire? And if so, when?
Replies: 49
Views: 4951

Re: Are hybrid cars a good idea yet?

It's debatable. If you are driving a Honda Accord I4 ($21,955) and suddenly want to save gas and decide to buy a Prius ($24,200), then you are giving up horse power from maybe 180s to somewhere 130s. If you are willing to give up horsepower for mpg, then go for it. However, if you are driving a Toyo...
by wander
Wed May 28, 2014 10:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars a good idea yet?
Replies: 105
Views: 8145

Re: How much house can I afford?

Not sure about you Op, but I bought the house because I wanted to be independent so I bought a house small enough for me. The payment was low that I didn't think about payments too much each month. When I got married, my spouse liked the house and we decided to stay. When our kids come, we will cons...
by wander
Tue May 27, 2014 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford?
Replies: 16
Views: 1514

Re: How do you dress for work travel?

If I have to attend the meeting right after the flight, then I will dress as when I go to work or more formal if the meeting is important. If the meeting will be on the day after the travel day, then I will dress more casual. Generally, it depends.
by wander
Tue May 27, 2014 9:35 pm
 
Forum: Personal Consumer Issues
Topic: How do you dress for work travel?
Replies: 21
Views: 1863

Re: I have too much for retirement???

You will spend more in retirement than now considering you have less hours (due to working) thinking about what to spend currently.
by wander
Wed May 21, 2014 5:02 am
 
Forum: Investing - Help with Personal Investments
Topic: I have too much for retirement???
Replies: 35
Views: 5696

Re: Paying for a date

It maybe just part of my culture. I always pay.
by wander
Tue May 20, 2014 7:45 am
 
Forum: Personal Consumer Issues
Topic: Paying [on] a date
Replies: 73
Views: 3186

Re: Electrical question

When talking about battery, it's about watt-hour (battery size). The more watts you charge, the less hours you have to wait on charging. And time is money. That's how I look at it to compare between charging with 120VAC or 240VAC.
by wander
Tue May 20, 2014 7:08 am
 
Forum: Personal Consumer Issues
Topic: Electrical question
Replies: 24
Views: 2101

Re: Timing Belt Change - Months or Miles if car is old?

Op, If you already know the answer, why bother ask on this forum? I am just curious.
by wander
Fri May 16, 2014 9:42 pm
 
Forum: Personal Consumer Issues
Topic: Timing Belt Change - Months or Miles if car is old?
Replies: 79
Views: 6466

Re: UCLA vs USC Decision [Which college to attend]

I vote UCLA over USC anytime. Unless you are a Trojans' fan.
by wander
Fri May 16, 2014 7:07 am
 
Forum: Personal Finance (Not Investing)
Topic: UCLA vs USC Decision [Which college to attend]
Replies: 62
Views: 3615

Re: why do investors keep buying actively managed funds?

I got into managed funds because at the time I couldn't save much money, T Rowe Price offered me to open mutual fund account with just $50 a month. Price offers most active managed funds and some higher ER index funds. So, I still have account with them after many years although at this point I am a...
by wander
Fri May 16, 2014 5:58 am
 
Forum: Investing - Theory, News & General
Topic: why do investors keep buying actively managed funds?
Replies: 104
Views: 7107

Re: next up: HSA or 401k post-match?

I'm aware of the option to retroactively pay old receipts if such a need were to arise in the future, so I pay my health care bills only with already-taxed money. I use money from HSA account to pay for medical bill every year. Our bills are small so I still have money left for future use and don't...
by wander
Fri May 16, 2014 5:47 am
 
Forum: Investing - Help with Personal Investments
Topic: next up: HSA or 401k post-match?
Replies: 17
Views: 1170

Re: Timing Belt Change - Months or Miles if car is old?

Well, I was off by 12 years then..... If you look at rubber hoses on your car, it will be harden or cracking after many years. Timing belt is a form of rubber. It's a safety rule of thumb and it doesn't have to be always exact. I know a guy driving a Lexus 240,000 miles with original timing belt. H...
by wander
Thu May 15, 2014 10:13 pm
 
Forum: Personal Consumer Issues
Topic: Timing Belt Change - Months or Miles if car is old?
Replies: 79
Views: 6466

Re: Should I keep some money in a local bank?

My local Credit Union handles notary for free. When I added my wife to my account, it took a few minutes at the bank. Cashier checks are free. Friends of mine got free red envelopes prior to Lunar New Year at local banks and tellers were happy to get them brand new $1, $2 or $5 give away money. It's...
by wander
Thu May 15, 2014 9:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I keep some money in a local bank?
Replies: 47
Views: 2801

Re: Timing Belt Change - Months or Miles if car is old?

It's either or, in your case, you should go by year.
by wander
Thu May 15, 2014 8:35 pm
 
Forum: Personal Consumer Issues
Topic: Timing Belt Change - Months or Miles if car is old?
Replies: 79
Views: 6466

Re: Cheapest Health Saving Account Brokerage/Admin

I use HSABank & TDAmeritrade. I virtually leave nothing in the account and transfer all the money to TDAmeritrade to invest in ETFs. My employer pays all the fees so I don't have to. Free is cheapest.
by wander
Mon May 12, 2014 7:54 pm
 
Forum: Investing - Theory, News & General
Topic: Cheapest Health Saving Account Brokerage/Admin
Replies: 15
Views: 1496
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