Search found 27 matches

by wolingfeng
Sun Aug 02, 2015 10:21 pm
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 135
Views: 7589

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

You can definitely save quite a bit if you want to shop in places like Chinatown... The Chinese supermarkets meat and produce are way cheaper than Trader Joes or even whole food, unless you care so much about organic food. I don't think their quality are that much different unless you're a professio...
by wolingfeng
Tue Jul 14, 2015 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Review - 29 & 28 Year Old Married Couple
Replies: 14
Views: 1833

Re: Financial Review - 29 & 28 Year Old Married Couple

Not sure how conservative you're, but I would aim around 50k for emergency fund eventually without sacrificing retirement contribution based on the amount of money you're spending per month. Otherwise, keep up what you've already been doing.
by wolingfeng
Sat Jul 04, 2015 9:52 pm
Forum: Personal Consumer Issues
Topic: Camera Experts Wanted
Replies: 36
Views: 2152

Re: Camera Experts Wanted

My wife started with canon t3i, it's a wonderful beginner dSLR. Lens wise for what you want to take, their kit lens (I think 18-55mm) is a good start as well. Or if you could spend a bit extra, get the 50mm for 80 dollars to start. It's probably one of the best value lens you find, takes really shar...
by wolingfeng
Sat Jul 04, 2015 9:45 pm
Forum: Personal Consumer Issues
Topic: Eating Out
Replies: 57
Views: 6867

Re: Eating Out

Nothing wrong with eatting out as long as you know you could afford the budget. But I always feel that it's healthier to eat at home. Buy some fresh produce, good quality meat and look up some interesting receipt, have some culinary adventure. It could be both fun, healthy and at the same time savin...
by wolingfeng
Sun May 24, 2015 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: 36 Years Old With No Investments
Replies: 12
Views: 2253

Re: 36 Years Old With No Investments

You'll be doing great. I wouldn't worry too much about your current lack of retirement investment like IRA or roth, etc. Looks like you've invested quite a bit in your business. A lot of us here always focus on paying off debt as soon as possible, sometimes as a business owner you have to find the b...
by wolingfeng
Thu May 14, 2015 10:41 am
Forum: Personal Consumer Issues
Topic: Looking for Cloud Storage Solution for Photo Back Ups
Replies: 20
Views: 1918

Re: Looking for Cloud Storage Solution for Photo Back Ups

iCloud is great for i-device but with limited space unless you pay... if you already have amazon prime, that's probably the cheapest way to go, unlimited photo storage, but I think it takes a long time to upload and complete the initial setup if you have large amount of data (took forever to upload ...
by wolingfeng
Thu May 14, 2015 10:33 am
Forum: Personal Consumer Issues
Topic: Make my iPhone switch from WiFi to mobile data when WiFi signal is low
Replies: 10
Views: 959

Re: Make my iPhone switch from WiFi to mobile data when WiFi signal is low

probably the best way for long run is to get a wifi extender near your yard, or set up a wifi access point near there. Keep in mind wifi extender will deliver weakened wifi speed, probably 50% of what your original speed delivers. With a sizable yard/diameter, probably set up access points on each s...
by wolingfeng
Sun May 03, 2015 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth: Long term gain vs short term gain
Replies: 1
Views: 228

Back Door Roth: Long term gain vs short term gain

Dear bogleheads members, I had opened an IRA account for wife who made non-deductible contribution (due to higher income limit). I have always been procrastinating about doing the backdoor roth and the stocks kept going higher, which made me reluctant to convert to pay for taxes on the gain. But I t...
by wolingfeng
Wed Apr 15, 2015 10:05 pm
Forum: Personal Consumer Issues
Topic: noise-blocking headphones
Replies: 39
Views: 3669

Re: noise-blocking headphones

Actually recently i've been looking into noise canceling headphone. Bose QuietComfort 25 is probably the best but also the most expensive one, but I ended up buying ATH-ANC9 for around 190. It's more or less comparable if you're not looking for absolutely the best. Good enough for air travel as well...
by wolingfeng
Tue Mar 17, 2015 10:08 pm
Forum: Personal Consumer Issues
Topic: What internet speed is fast enough?
Replies: 52
Views: 5880

Re: What internet speed is fast enough?

Verizon Fios 50 down 25 up. I have multiple devices connecting to internet streaming content. Also wife uploads lots of picture and that upload speed helps a lot. Personally I feel this speed is about the need for myself. But it's not as cheap as some other providers....
by wolingfeng
Mon Mar 09, 2015 9:31 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 407
Views: 33514

Re: Will you buy an Apple Watch?

Definitely will go to apple store to check it out and try it, as times goes there will be many apps developed for it, which i think is the key to make it useful. Of course only history can tell how successful it is. Can't tell at this moment.
by wolingfeng
Mon Mar 09, 2015 9:23 pm
Forum: Personal Consumer Issues
Topic: Can I afford it?
Replies: 59
Views: 6387

Re: Can I afford it?

You could afford to buy it, but personally it's too high of a price for a car. But if you value driving experience a lot, then it could be money worth spent. Also on a side note, it's always easier to upgrade than down grade. Once you buy a lexus, you probably never want to go back to drive a camry ...
by wolingfeng
Fri Mar 06, 2015 9:48 pm
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 139
Views: 14525

Re: Keurig-cup coffee makers - why?

Normally it costs 30-35 cents/cup when you buy them on sale. I stock them up every couple months... That's not too bad of a price compare to conventional brewing.
by wolingfeng
Mon Feb 23, 2015 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Withholding Question
Replies: 3
Views: 511

Tax Withholding Question

Hi all! This year I inputted all the info in the turbo tax and it came out that we have a large amount of refund about 8k, so I decided to change my withholding to withhold less tax on each of my paycheck. But my payroll messed up for the past 3 weeks and I saw I had zero federal tax withhold for 3 ...
by wolingfeng
Sun Dec 14, 2014 10:15 pm
Forum: Personal Consumer Issues
Topic: Help being smart about prescriptions (generics)
Replies: 9
Views: 934

Re: Help being smart about prescriptions (generics)

It depends on what kind of drugs and medical condtions. In general there are multiple choices for something like hypertension, high cholesterol, depression, diabetes, etc. Most of the times those more expensive brand names drugs do not produce any better result than the comparable generics. But even...
by wolingfeng
Sun Dec 07, 2014 1:08 am
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 10146

Re: Am I being cheap?

While investing money for future is important, one has to think about other factors. The ring could be a bad investment, but it could mean an important symbol for the marriage and love, or whatever she think. Is it necessary in every marriage? No. But if she likes it, why fight so hard? Or else we s...
by wolingfeng
Fri Mar 08, 2013 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing - Question about making an amendment
Replies: 4
Views: 338

Re: Tax filing - Question about making an amendment

Appreciate the help! I think I will skip that couple dollars this year... Lol
by wolingfeng
Wed Mar 06, 2013 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing - Question about making an amendment
Replies: 4
Views: 338

Re: Tax filing - Question about making an amendment

So it looks like if I wanted to send the amended return, I have to print out a 40-page file, then mail it... the postage itself probably cost more...
by wolingfeng
Wed Mar 06, 2013 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing - Question about making an amendment
Replies: 4
Views: 338

Tax filing - Question about making an amendment

Hi guys! I had a little bit investment at Prosper.com. I filed my tax in February. Just couple of days ago Prosper.com notified me that they have made a "corrected" 1099 OID.... At this time I already go my federal tax return. So anyway I plugged in the number that's on this "correcte...
by wolingfeng
Wed Jan 30, 2013 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: tax question: recharacterization vs conversion
Replies: 3
Views: 390

tax question: recharacterization vs conversion

Hey Guys, I am in the process of filing my tax via Turbotax, and encountered a problem while I was reporting my contribution. I am married filing jointly. Our adjusted gross income is going to be around 230k. So my contribution to traditional IRA would be non-deductible anyway. And I had zero dollar...
by wolingfeng
Sun Jan 20, 2013 6:49 pm
Forum: Personal Consumer Issues
Topic: Reasons for why some medications not covered by health plan
Replies: 11
Views: 1235

Re: Reasons for why some medications not covered by health p

Unfortunately generic Prevacid (lansoprazole) is pretty expensive, more than a dollar a pill, vs other PPI generic like omperazole and pantoprozole. I think somehow there is only one manufacture Sandoz making it, thus they can control the pricing and making it more expensive. Maybe have your doctor ...
by wolingfeng
Sun Jan 20, 2013 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: NY Property Tax Calculation - Star Exemption
Replies: 5
Views: 892

Re: NY Property Tax Calculation - Star Exemption

Thanks for everyone's input. That's what I thought that STAR exempts only 30k, which in most cases can save about 600-700 dollars off the school tax as far as I am thinking.

Tricky :?
by wolingfeng
Sun Jan 20, 2013 1:37 pm
Forum: Personal Consumer Issues
Topic: All-inclusive in Cancun
Replies: 33
Views: 4353

Re: All-inclusive in Cancun

My wife and I went to all inclusive hotel in Cancun last year. It's very nice. The hotel we went was more expensive but it was worth the money (Le Blanc). I would say just do your homework, research the activities and hotels about what they offer and how people reviewed them. Generally, food was gre...
by wolingfeng
Sun Jan 20, 2013 12:26 am
Forum: Personal Finance (Not Investing)
Topic: NY Property Tax Calculation - Star Exemption
Replies: 5
Views: 892

NY Property Tax Calculation - Star Exemption

Any folks there in NY state know about how to estimate or calculate the property tax with the NY STAR exemption? :confused I am looking to buy my first house. And one thing I am trying to do is to have a clear picture of the cost between different houses I am looking at. The realtor explained to me ...
by wolingfeng
Tue Dec 11, 2012 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Managing the money [Buying a house, which funds to use?]
Replies: 3
Views: 700

Re: Managing the money [Buying a house, which funds to use?]

Thanks for the response! Actually another question just popped up in my mind as I am eagerly looking for a pre-approval from a bank. I've read a little bit, and some recommend using a mortgage broker and some say we could just shop around different banks for the lowest rate. As I am looking at this ...
by wolingfeng
Wed Dec 05, 2012 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Managing the money [Buying a house, which funds to use?]
Replies: 3
Views: 700

Managing the money [Buying a house, which funds to use?]

Hello everyone, This is my first post. First of all, thanks for the bogleheads forum. I am much more informed about finance and investment than before because of this platform. I am a married guy in my late 20s. Recently my wife and I have come to a conclusion to buy a house to settle down (currentl...

Go to advanced search