Search found 2281 matches

by wander
Sun Oct 22, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: how often to upgrade phone?
Replies: 42
Views: 1970

Re: how often to upgrade phone?

I upgrade my phone when there is a need to do so. In the past, I upgraded to get LTE. Many areas have 3G, and many others have LTE. Since I pay the same price for both services, why do I want to get partial coverage. Same with the new 600MHz TMobile frequency, if I am a TMobile I would consider to u...
by wander
Sun Oct 22, 2017 9:09 am
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 23
Views: 1826

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

I also have HSA Bank and TD combo. My employer is nice enough to take care of the monthly fee. Before this, I had HSA account with Wells Fargo, then with Chase, but HSA Bank is my top choice.
by wander
Sun Oct 22, 2017 8:50 am
Forum: Investing - Theory, News & General
Topic: When one reaches the 1 million mark what to do with all the money?
Replies: 30
Views: 4560

Re: When one reaches the 1 million mark what to do with all the money?

I would keep the same asset allocation regardless of it was a $100k or $1 M.
by wander
Thu Oct 19, 2017 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Am I paying too much for insurance?
Replies: 18
Views: 1710

Re: Am I paying too much for insurance?

Small Law Survivor wrote:
Wed Oct 18, 2017 5:54 pm

Separate policy (both autos, $10,000 deductible): (total annual premium $1869)
Auto 1 (Volvo) $677
Auto 2 (Prius) $1192
With $10,000 deductible, you can replace both cars altogether.
by wander
Sun Oct 15, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 72
Views: 32782

Re: Can't freeze credit at Experian?

I've done freezing me credit with all the reporting agencies. I did everything online without any issue. TU charged me $5.00. Other agencies did it for free. Interesting. If your state lists $5, I don't understand how or why Experian did it for free... I don't want to find out for just a few dollar...
by wander
Sun Oct 15, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 127
Views: 6562

Re: What are you driving? And would you buy your current ride again?

1997 Nissan Maxima, 390k miles. Yes, I will buy again.
by wander
Sun Oct 15, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 5464

Re: What do you buy in Asian food stores?

Fish source, soy source, vegetables, fruits, fish and let them clean & cut, ingredients, Asian coffee, ...
by wander
Fri Oct 13, 2017 10:36 pm
Forum: Personal Consumer Issues
Topic: Reverse Osmosis Systems for Kitchen Sink
Replies: 22
Views: 956

Re: Reverse Osmosis Systems for Kitchen Sink

We have Aqualiv water system. It's pricey but we like the taste and it keeps nutrition for you.
by wander
Fri Oct 13, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: Car Buying, Time to grow up.
Replies: 59
Views: 4883

Re: Car Buying, Time to grow up.

Buy a Honda Civic and drive it for 300,000 miles, stay out of car troubles and have more money in your brokerage account. Sounds like a sentence. Some people like cars and like driving. Car is just a transportation to me. 12,000 miles a year sounds like average American, drive it for 20+ years and ...
by wander
Fri Oct 13, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: Car Buying, Time to grow up.
Replies: 59
Views: 4883

Re: Car Buying, Time to grow up.

Buy a Honda Civic and drive it for 300,000 miles, stay out of car troubles and have more money in your brokerage account.
by wander
Fri Oct 13, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 6978

Re: How many miles/years do you keep your car?

For me, a car gets too old when its interior is messed up ( dirty, worn out, ... ) that I feel shamed letting people ride with me. I do not care about exterior much.
by wander
Fri Oct 13, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 72
Views: 32782

Re: Can't freeze credit at Experian?

I've done freezing me credit with all the reporting agencies. I did everything online without any issue. TU charged me $5.00. Other agencies did it for free. Now, I need to buy house without mortgage. Hate the hackers.
by wander
Thu Oct 12, 2017 9:28 pm
Forum: Personal Consumer Issues
Topic: SUV options with 3 little kids
Replies: 57
Views: 3194

Re: SUV options with 3 little kids

Minivan seems sensible. Mom can move back an forth from passenger seat anytime to assist them. Minivan has a smoother ride and slow acceleration. Shocks are not firm like SUV so it is more comfort for long distance trip.
by wander
Thu Oct 12, 2017 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: I need a better online checking w billpay and mobile check deposit
Replies: 34
Views: 2548

Re: I need a better online checking w billpay and mobile check deposit

I have been using Charles Schwab and happy. I also have an account with Navy Federal Credit Union; Their website works just like any online banking.
by wander
Thu Oct 12, 2017 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: How young is too young to retire.
Replies: 49
Views: 5809

Re: How young is too young to retire.

Never say to early to retire. I can't wait to declare financial independent and leave the rat race. I always have some things to do.
by wander
Mon Oct 09, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: So my mechanic said....
Replies: 31
Views: 5680

Re: Re:

You're backwards. Overdrive is for 99.99% of use. D is for dropping down a gear when towing or climbing hills. And it's really become a moot point now since (except for, ahem, Toyota) 4 speed autos haven't been widely used in more than 10 years. 6 is common, most have gone to 8 or 9, as well as mor...
by wander
Sun Oct 08, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: 2M savings investment help
Replies: 37
Views: 4982

Re: 2M savings investment help

You are doing very well at your ages. At this point, you can stay in cash and still be just fine.
by wander
Sun Oct 08, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: WiFi [extender]
Replies: 56
Views: 4379

Re: WiFi

D-Link WIFI extender is good, a friend of mine uses in his home to get Wifi to his car garage and has been happy with the purchase.
by wander
Sun Oct 08, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: So my mechanic said....
Replies: 31
Views: 5680

Re:

After reading this thread I went and looked at my car manual. (I have a 1997 Chevy Lumina sedan) It says that "D" (with a little circle around it) has the overdrive and is to be used for normal driving. The "D" is a slightly lower gear (or, doesent shift into overdrive, really) and is to be used fo...
by wander
Sun Oct 08, 2017 10:37 am
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 109
Views: 15672

Re: Vanguard has switched to brokerage only accounts

I still see the "upgrade" button on some of my accounts.
by wander
Sat Oct 07, 2017 10:50 pm
Forum: Personal Consumer Issues
Topic: Chrome vs Firefox
Replies: 34
Views: 4388

Re: Chrome vs Firefox

My computer has 8GB DRAMM which is considered large or better than average Your thinking is a little out of date on that. I wouldn't buy a Windows machine or Mac intending to run Chrome with less than than 16gb of ram. I think 8 gigs is pretty low. I have switched to Firefox and never seen low memo...
by wander
Thu Oct 05, 2017 6:44 am
Forum: Personal Finance (Not Investing)
Topic: another 2 comma club member
Replies: 48
Views: 4234

Re: another 2 comma club member

Billionaire wrote:
Wed Oct 04, 2017 5:05 pm
Congrats!! I remember when I hit the three comma club, it was quite a thrill. Now The Thrill is Gone.
I don't know why a billionaire wants to hang out at this web site. A boglehead can do better financially than average people but impossible to get to billionaire in his/her lifetime.
by wander
Thu Oct 05, 2017 6:35 am
Forum: Investing - Help with Personal Investments
Topic: Are you investing in Emerging Market small caps?
Replies: 25
Views: 1700

Re: Are you investing in Emerging Market small caps?

Yes, I do invest in Emerging Markets Small Cap.
by wander
Wed Oct 04, 2017 9:13 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1538
Views: 272273

Re: What are you up YTD? [Year To Date]

Mine is doing pretty well. Best performance fund is VINEX with 32% YTD return.
by wander
Sat Sep 30, 2017 4:23 am
Forum: Personal Consumer Issues
Topic: Caught by speed camera
Replies: 49
Views: 2688

Re: Caught by speed camera

It happened to my when I drove in Washington DC, I paid and moved on. BTW, there were a lot of cameras there.
by wander
Sat Sep 30, 2017 4:17 am
Forum: Investing - Theory, News & General
Topic: VG using outsourcing to call me & I'm not happy
Replies: 76
Views: 7098

Re: VG using outsourcing to call me & I'm not happy

It does not affect me at all, took me a few seconds to hang up the phone.
by wander
Fri Sep 29, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: Verizon to Cricket or StraightTalk
Replies: 66
Views: 5850

Re: Verizon to Cricket or StraightTalk

OP, you will have good luck on Cricket. Just for information, totalwireless.com is a newer Verizon MVNO that has a good value proposition for those wanting/needing to stay on Verizon. Unlimited calling/Unlimited texting/5GB 4g data for ~$33/month with auto-pay (includes all taxes and fees). They al...
by wander
Tue Sep 26, 2017 6:39 am
Forum: Personal Consumer Issues
Topic: Chrome vs Firefox
Replies: 34
Views: 4388

Re: Chrome vs Firefox

Chrome used to be my choice until recently when it used too much memory whenever I opened more tabs. My computer has 8GB DRAMM which is considered large or better than average, but I constantly receive warning message that computer memory is running low when open 8 - 10 tabs. Now, I am back to Firef...
by wander
Sat Sep 23, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 4340

Re: Asking for no wedding gifts

Op can give gifts to charity.
by wander
Sat Sep 23, 2017 4:43 am
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8284

Re: Age you retired

I was just wondering for those of you retired, at what age did you quit full time work? By this definition, age 39. I do have a spouse that enjoys work and remains employed which provides for healthcare and living off their salary allows our nest egg to multiply many times over. I on the other hand...
by wander
Fri Sep 22, 2017 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: What are the benefits of rolling over after tax 401k to a Roth IRA?
Replies: 10
Views: 651

Re: What are the benefits of rolling over after tax 401k to a Roth IRA?

Look up the many threads on Mega Backdoor Roth ("wander" should as well). Another possible option you might have is in-plan Roth rollover. Then you could convert the after-tax to Roth 401(k) and stay in the same plan. That is sweet. But since my company does not offer this option and we r going to ...
by wander
Fri Sep 22, 2017 12:51 pm
Forum: Investing - Theory, News & General
Topic: No More Saving???
Replies: 114
Views: 10547

Re: No More Saving???

No, we are not stopping as still contribute max 401k accounts, Roth IRA accounts, and HSA accounts. We spend the rest.
by wander
Fri Sep 22, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18380

Re: Is it really Worth it to brown bag your lunch at work?

It's not about saving money that leads us to bringing our lunch to work but it is about eating healthy and knowing what you are eating. And my wife is a good cook by the way.
by wander
Wed Sep 20, 2017 6:15 am
Forum: Personal Finance (Not Investing)
Topic: What is FI if you love your job? [Financial Independence]
Replies: 68
Views: 5641

Re: What is FI if you love your job? [Financial Independence]

It is not much about like or dislike your job. It's about having control of your life. With FI, you can still enjoy working on your job knowing nothing is going to affect you financially. And like other posters mentioned, what you think today is not what you will think in 10 or 20 years from now. Li...
by wander
Sat Sep 16, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Do you celebrate financial milestones?
Replies: 124
Views: 17912

Re: Do you celebrate financial milestones?

No, I do not celebrate financial milestones.
by wander
Thu Sep 14, 2017 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Milestone Reached - "Quarter Millionaire!"
Replies: 41
Views: 4864

Re: Milestone Reached - "Quarter Millionaire!"

Congrats! Yours is better than when I was at your age.
by wander
Thu Sep 14, 2017 7:47 pm
Forum: Personal Consumer Issues
Topic: Repair 2003 Honda Accord?
Replies: 26
Views: 1745

Re: Repair 2003 Honda Accord?

$1,700 is about 50% or more than the value of your car.
by wander
Thu Sep 14, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20254

Re: Iphone X is $1000

stratton wrote:
Thu Sep 14, 2017 7:31 am
wander wrote:
Tue Sep 12, 2017 6:50 pm
I am not sure if new Iphones support new T-Mobile 600 MHz frequency. T-Mobile users may need to wait for another phone.
No it won't.
I thought so too. Thanks for confirming that. For that, I wouldn't think of any reason to buy this phone if I was a T-Mobile user.
by wander
Wed Sep 13, 2017 6:45 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20254

Re: Iphone X is $1000

I may buy one when I am up for a new one, but still like my Motorola G4.
by wander
Tue Sep 12, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20254

Re: Iphone X is $1000

I am not sure if new Iphones support new T-Mobile 600 MHz frequency. T-Mobile users may need to wait for another phone.
by wander
Mon Sep 11, 2017 6:04 pm
Forum: Investing - Theory, News & General
Topic: China to ban petrol cars
Replies: 64
Views: 4695

Re: China to ban petrol cars

I think the main pollution in China is burning coal.
by wander
Fri Sep 08, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: New Mobile Phone number - Now hounded by Collection Agencies
Replies: 38
Views: 3265

Re: New Mobile Phone number - Now hounded by Collection Agencies

If it happens to me, I would get a new number. Your wife's number is new and not known many people anyway.
by wander
Fri Sep 08, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: Keep or let go of my car?
Replies: 44
Views: 3380

Re: Keep or let go of my car?

I would check to verify with good local mechanic specialized in BMW. If the problem and repair cost are the same as the dealer, then I would let it go ASAP.
by wander
Fri Sep 08, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 68
Views: 4916

Re: Do I need an Amazon Echo??.....

No, I do not need Amazon Echo because I've already had enough or too many tech stuffs. Most people need an Echo for weather forecast and play music, since my smartphone can do the same thing, then why should I pay more for? Amazon can control TV, lights but I can also do this with app on my phone al...
by wander
Sat Aug 26, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 60
Views: 7192

Re: Lowes vs Home Depot

Lowes or Home Depot works fine with me as long they have what I am looking for. I used to shop at Home Depot but now at Lowes, basically whichever nearby. Lowes is around the corner from my house, Home Depot is another 15 minutes. I think the "My Lowes card" is somewhat useless to some because it do...
by wander
Sat Aug 26, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Desperate to get rid of mosquitoes, what else could we try?
Replies: 62
Views: 4016

Re: Desperate to get rid of mosquitoes, what else could we try?

I saw some stuffs you can try at Lowes in the bugs control section. There are all kind of bug zappers (chemically or electrically) you can try. I haven't had one so after you try, you can give some feedback if it fix the mosquitoes problem.
by wander
Sat Aug 26, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: Vehicle Toubleshooting (multiple issues)
Replies: 61
Views: 3202

Re: Vehicle Toubleshooting (multiple issues)

1. Key fob doesn't work. 2. Spare key fob doesn't work. I wonder why you even try to mess with reprogramming the key fob? It has nothing to do with it. Yes, you can attach a portable starter battery with bad or good car battery as long you don't cross over the cables. Other posters have given hint a...
by wander
Thu Aug 24, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: What do you do with RMD money you don't need?
Replies: 51
Views: 4251

Re: What do you do with RMD money you don't need?

That's a good problem to have. If it happens to me, I will be more generous to myself, my spouse, children and other people. :sharebeer
by wander
Wed Aug 23, 2017 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Just married - Still contribute to Roth 401k?
Replies: 4
Views: 425

Re: Just married - Still contribute to Roth 401k?

runner540 wrote:
Wed Aug 23, 2017 8:56 pm
there are no income limits that would affect someone's eligibility to contribute to a Roth 401k.
+1.