Search found 2002 matches

by wander
Sat Sep 24, 2016 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 3425

Re: Cosigning a new car lease for sister out of state

Op, if you put more $$$ down, would they stop the cosign part?
by wander
Sat Sep 24, 2016 5:38 am
Forum: Personal Consumer Issues
Topic: Preparing financially for our funerals - prepay or not?
Replies: 97
Views: 5990

Re: Preparing financially for our funerals - prepay or not?

Are other Bogleheads financially planning for their funerals by using prepayment plans? I think I am a boglehead alright but my father in law was not. When he passed away, he did not prepay his funeral and left nothing. One of my sister-in-laws volunteered to handle the funeral and we all paid even...
by wander
Sat Sep 24, 2016 2:57 am
Forum: Personal Finance (Not Investing)
Topic: Should i buy this house?
Replies: 22
Views: 2431

Re: Should i buy this house?

I would not buy it. You cannot always stay inside your home.
by wander
Fri Sep 23, 2016 8:00 pm
Forum: Personal Consumer Issues
Topic: My "Corolla Investment" has ended...410,000 [miles]
Replies: 54
Views: 5726

Re: My "Corolla Investment" has ended...410,000 [miles]

well , while i admire the endurance and the dedication that is necessary to spend 410 k miles in an old compact car , frankly i couldn't do it unless i was dead broke ... i had an '09 MB E350 that served me well for seven years and 100 k miles,but somehow it felt too old and i traded it in for a 13...
by wander
Fri Sep 23, 2016 5:47 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 79
Views: 4608

Re: What are you YAHOOERS doing?? [due to security breach]

serbeer wrote:Can only affect those who did not change password in the past 2 years, since the breach occurred in 2014.

Actually, they stole all security questions so even if you have changed your password recently they still can reset your password. You need to also change your security questions.
by wander
Fri Sep 23, 2016 4:21 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 79
Views: 4608

Re: What are you YAHOOERS doing?? [due to security breach]

Disabled my security questions and used 2-step verification. That was it. Now, hackers have to steal my phone.
by wander
Thu Sep 22, 2016 8:50 pm
Forum: Investing - Theory, News & General
Topic: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?
Replies: 264
Views: 16479

Re: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?

http://i64.tinypic.com/zx2nes.jpg I can avoid unnecessary heart attack with yellow line. I think your chart confirms my point. Remember that I could re-balance when market crashes, but 100% portfolio does not have that option. If your portfolio is large, a crash would cost a few years worth of cont...
by wander
Tue Sep 13, 2016 9:49 pm
Forum: Investing - Theory, News & General
Topic: Strategy to buy expensive house
Replies: 67
Views: 5315

Re: Strategy to buy expensive house

I would go with option 1. After a while, you will enjoy of not having to pay mortgage interest and don't even think of buying million dollar house anymore. :sharebeer
by wander
Thu Sep 08, 2016 6:24 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 11641

Re: Who is ready for iphone 7?

It's time to upgrade from my Iphone 4S.
by wander
Tue Sep 06, 2016 5:42 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 164
Views: 10616

Re: How much is your cell phone bill?

Carrier: Verizon Wireless
1 line
Data: 1.5 GB LTE
Voice minutes: 750
Text msg: 750
$30 / month
by wander
Mon Sep 05, 2016 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Way behind in retirement prep - should I stay 100% equity?
Replies: 25
Views: 2553

Re: Way behind in retirement prep - should I stay 100% equity?

Op, I would invest no less than 20% in bonds at your age and max-out your 401k, IRA and HSA (if you have the option) accounts, and you should be fine at 65.
by wander
Mon Sep 05, 2016 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Just Married - AA Change?
Replies: 8
Views: 604

Re: Just Married - AA Change?

Hi All, The question I have is, without a 401K, what options do we have for setting up a retirement account for her? Just Roth IRA? Do I now look/set my AA across both our retirement accounts? Your first question has been answered here many times. You can find a lot of advises on this web site. Abo...
by wander
Mon Sep 05, 2016 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Professional mid-life crisis
Replies: 28
Views: 4331

Re: Professional mid-life crisis

It’s not crazy hours, but it is stressful and I feel somewhat unappreciated by upper management. Many bosses do not show appreciation to their employees. There are many reasons for that. If you do not do a good job, then you need to do it better; But if, in your best knowledge, you know you are doi...
by wander
Sun Sep 04, 2016 10:59 pm
Forum: Personal Consumer Issues
Topic: water filter for a home
Replies: 10
Views: 1136

Re: water filter for a home

If you have city water in most USA cities, there is very little need to have a whole house filter for these purposes. Most tap water is perfectly safe to drink and to take a shower in. There is usually no need to filter it further, and the EPA regulations keep most contaminants in check. Have you l...
by wander
Fri Aug 05, 2016 4:44 am
Forum: Personal Finance (Not Investing)
Topic: another refi question. show me the....math?
Replies: 17
Views: 1445

Re: another refi question. show me the....math?

I would not refi if I were you.
by wander
Wed Jul 27, 2016 6:16 pm
Forum: Investing - Theory, News & General
Topic: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?
Replies: 264
Views: 16479

Re: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?

Losing $50k from $100k portfolio is nothing compared to losing $500k from a $1M, or $2.5M from a $5M one, on and on. For me, size does matter. Good luck with the 100% equity approach, I must have some bonds for some cushion. I would think the feelings are different between wake up knowing you lose $...
by wander
Tue Jul 26, 2016 9:50 pm
Forum: Personal Consumer Issues
Topic: What is your plan if you lose job tomorrow ??
Replies: 73
Views: 6138

Re: What is your plan if you loose job tomorrow ??

If I lose Job tomorrow, I would take a long vacation. It's out of my hands, and there is nothing I can do.
by wander
Sun Jul 24, 2016 8:16 am
Forum: Personal Consumer Issues
Topic: HVAC replacement,is that too risky to wait until this fall
Replies: 43
Views: 2934

Re: HVAC replacement,is that too risky to wait until this fall

crazyapple11 wrote:They claimed they recharged 8lbs but only charged $400 for the cost of 3lbs. I doubted about it because they wrote 3lbs on the invoice.

I wonder why person wants to charge less than he should. Does he work to lose money?
by wander
Fri Jul 22, 2016 6:12 am
Forum: Personal Consumer Issues
Topic: Renovate or replace 12yr old SUV?
Replies: 45
Views: 2472

Re: Renovate or replace 12yr old SUV?

Gets 12-14MPG if I remember You need to find out why your MPG is much lower than original estimate (17/22 for city/hwy). My truck is running at almost 400k but the MPG is averaged between 20 - 23 MPG which is very close to original estimate of 17/23 (city/hwy). You can keep this car for another few...
by wander
Sun Jul 17, 2016 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab Checking + Brokerage Account
Replies: 55
Views: 6179

Re: Charles Schwab Checking + Brokerage Account

I have been with Charles Schwab (checking and brokerage accounts) since it first came out, and never had any problem. I withdrew cash at ATMs anywhere in the world no charge. Their brokerage account is good too.
by wander
Fri Jul 15, 2016 1:02 am
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 162
Views: 11269

Re: What kind of car do Bogleheads like to drive?

Bogleheads like reliable cars, same as any average Joe so they don't look like millionaires. Many of them choose between two brands (Toyota and Honda). :sharebeer
by wander
Wed Jul 13, 2016 6:25 am
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 140
Views: 13302

Re: Are you going to shop on Prime Day?

No, when we need something, we go shopping.
by wander
Wed Jul 13, 2016 5:57 am
Forum: Personal Consumer Issues
Topic: How much cash to give when invited to a wedding?
Replies: 81
Views: 6118

Re: How much cash to give when invited to a wedding?

It depends on the culture and relationship between you and the bride/groom (or any host). For example, If you are going to a Vietnamese wedding, you can ask your closed Vietnamese friend of how is appropriate to give. If you don't know, then I think you can give what is appropriate in your culture/l...
by wander
Mon Jul 11, 2016 5:46 pm
Forum: Personal Consumer Issues
Topic: Solving poor cell coverage: Microcell or booster?
Replies: 25
Views: 1414

Re: Solving poor cell coverage: Microcell or booster?

OP, Why are you solving AT&T problem for them? Sometimes, you have no other choice. In some areas, the signal is good but houses are surrounded by trees. Some people have to do survey to find out which carrier is best for in/outside their homes. Building structure is tricky too, I know at some ...
by wander
Sun Jul 10, 2016 7:19 pm
Forum: Investing - Theory, News & General
Topic: VIPSX in a Diversified Portfolio [Vanguard Inflation-Protected Securities]
Replies: 18
Views: 1730

Re: VIPSX in a Diversified Portfolio

joer1212 wrote:Do you rebalance VIPSX when necessary?

Yes, I re-balance regularly when my asset allocation is off.
by wander
Sun Jul 10, 2016 10:44 am
Forum: Investing - Theory, News & General
Topic: VIPSX in a Diversified Portfolio [Vanguard Inflation-Protected Securities]
Replies: 18
Views: 1730

Re: VIPSX in a Diversified Portfolio

I have VIPSX in my bond portfolio. YTD is 7.57%. I don't see any problem holding this fund.
by wander
Sat Jul 09, 2016 1:43 am
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 103
Views: 5940

Re: What's your asset allocation and why?

Currently at 80/20 (equity/bonds) but adjust steadily as time goes. I sleep well not thinking about Brexit or whatever happened in the market.
by wander
Fri Jul 08, 2016 5:38 pm
Forum: Personal Consumer Issues
Topic: 2000 Honda Accord - Wheel Bearing Cost$ 300!!!
Replies: 48
Views: 3176

Re: 2000 Honda Accord - Wheel Bearing Cost$ 300!!!

Apparently, I need a new wheel bearing for my 2000 Honda Accord SE. (front driver side) My Mechanic is asking for $300 for parts and labor. Alternatively, I can order the parts and he will just charge me labor. Reasonable? Which option should I go with? I would spend $300 without thinking about it....
by wander
Wed Jul 06, 2016 7:33 pm
Forum: Personal Consumer Issues
Topic: TracFone to Launch New Verizon-Powered MVNO
Replies: 7
Views: 1689

Re: TracFone to Launch New Verizon-Powered MVNO

Total Wireless
$35 30-day plan unlimit talk & text + 5 GB data (up to LTE speed). It seems like a very good deal.
by wander
Fri Jul 01, 2016 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Which online only banks provide this?
Replies: 23
Views: 1754

Re: Which online only banks provide this?

Charles Schwab bank is what you need. You will have to deposit using a smart phone. How does that meet his number 1 criteria? Easy, you just scan the bills with your cell phone, then shred them. Just kidding, somebody obviously didn't read the OP's post. Oops, I missed the cash part. Charles Schwab...
by wander
Thu Jun 30, 2016 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Which online only banks provide this?
Replies: 23
Views: 1754

Re: Which online only banks provide this?

If you have one check to deposit, yes, it may be easier. But if you have a stack of 25 checks, it is a lot easier to use the ATM. In any case, the stated criteria was ATM. I agree if you have to handle 25 checks often, then you really need a B&M bank. I deposited 5 checks once using smartphone;...
by wander
Thu Jun 30, 2016 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Which online only banks provide this?
Replies: 23
Views: 1754

Re: Which online only banks provide this?

Charles Schwab bank is what you need. You will have to deposit using a smart phone. How does that meet his number 1 criteria? Deposit is much easier and convenient with a phone, save him trips to ATMs. So that beats his number #1 criteria. I do have account at another bank which I can deposit using...
by wander
Thu Jun 30, 2016 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Do we have enough to retire?
Replies: 87
Views: 6755

Re: Do we have enough to retire?

Yes, I think you do have enough to retire.
by wander
Thu Jun 30, 2016 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Which online only banks provide this?
Replies: 23
Views: 1754

Re: Which online only banks provide this?

Charles Schwab bank is what you need. You will have to deposit using a smart phone.
by wander
Wed Jun 29, 2016 5:58 am
Forum: Personal Consumer Issues
Topic: Car talk: sonata MPG dropped a lot
Replies: 43
Views: 2900

Re: Car talk: sonata MPG dropped a lot

AQ wrote:MPG numbers were taken from a meter on the dashboard.

If you own a smartphone, download one of the free apps to monitor mpg. If it does match with what seen on your dashboard (20 mpg), then look for a solution.
by wander
Sun Jun 19, 2016 3:10 pm
Forum: Personal Consumer Issues
Topic: Need advice ..Lexus battery fails when car is not driven 24 hrs
Replies: 87
Views: 5030

Re: Need advice ..Lexus battery fails when car is not driven 24 hrs

jharkin wrote:A good basic multimeter can measure all three, but not simultaneously. You have to switch modes.

Yes, you can. You can calculate it in your head. It's just basic formula (V=IR) with known V = 12 volts.
by wander
Sun Jun 19, 2016 5:16 am
Forum: Personal Consumer Issues
Topic: Need advice ..Lexus battery fails when car is not driven 24 hrs
Replies: 87
Views: 5030

Re: Need advice ..Lexus battery fails when car is not driven 24 hrs

neilpilot wrote: Not an ohm meter, an ammeter
Do you mean a basic digital meter cannot measure ohm and ampere at the same time? For $10 you can measure ohm, ampere and voltage.
by wander
Sat Jun 18, 2016 12:01 pm
Forum: Personal Consumer Issues
Topic: Need advice ..Lexus battery fails when car is not driven 24 hrs
Replies: 87
Views: 5030

Re: Need advice ..Lexus battery fails when car is not driven 24 hrs

It's not normal. I can leave my cars for more than a week and have no problem with starting. I would not recommend anything since each case is different. I have to measure some areas before I can tell you exactly what wrong with the car. It seems to be simple to identify the problem. You at least ne...
by wander
Fri Jun 17, 2016 9:06 pm
Forum: Personal Consumer Issues
Topic: Repair or Replace Vehicle?
Replies: 20
Views: 1530

Re: Repair or Replace Vehicle?

I would repair it.
by wander
Fri Jun 17, 2016 1:14 am
Forum: Personal Consumer Issues
Topic: When does it make sense to have a second vechicle?
Replies: 33
Views: 2453

Re: When does it make sense to have a second vechicle?

Been there, done it. I got a car from a friend for $1k thinking my truck was going to die soon. But, my truck is still running today and my other car is sitting there. I have to take turn within a week to make sure they are running. More insurance I have to pay, more maintenance I need to pay attent...
by wander
Sat Jun 11, 2016 6:55 am
Forum: Investing - Help with Personal Investments
Topic: I need some help to understand why I should invest in bonds at such a young age
Replies: 235
Views: 14244

Re: I need some help to understand why I should invest in bonds at such a young age

I treat my investment like a soccer game. You cannot win the game if only playing offense and leaving the goal open. At least, I need a goal keeper. :sharebeer
by wander
Sat Jun 11, 2016 6:52 am
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 118
Views: 6911

Re: What is your overall portfolio weighted expense ratio

I still have active funds in the firm that does not have index funds. My total expense ratio is 0.37%.
by wander
Thu Jun 09, 2016 5:52 pm
Forum: Personal Consumer Issues
Topic: Your shopping strategy for new tires?
Replies: 123
Views: 7877

Re: Your shopping strategy for new tires?

I use Bjs because they are local and their service has been good. They even torque the tires to correct specs (ft lb) and I also got $70 discount for 4 tires replacement like deal at Costco.
by wander
Mon Jun 06, 2016 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: 401k vs Roth 401k?
Replies: 63
Views: 3672

Re: 401k vs Roth 401k?

tampaite wrote:To keep it simply - Roth 401K to go!

Op's tax rate will drop at retirement, Roth 401k is not an ideal choice.
by wander
Mon Jun 06, 2016 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to live on $110,000 less income each year?
Replies: 104
Views: 11519

Re: How to live on $110,000 less income each year?

It always goes back to one simple truth: it's not about how much you make, but it's about how much you save. You do your math. I know people who can make $190,000 should be good thinkers.
by wander
Thu May 26, 2016 7:04 am
Forum: Personal Consumer Issues
Topic: Sell Car, keep car, lease a car what should I do?
Replies: 17
Views: 1088

Re: Sell Car, keep car, lease a car what should I do?

Within 4 years, losing $11k + interest is not a good investment. I wouldn't repeat another one if I were you.
by wander
Wed May 25, 2016 7:12 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on trips/vacations?
Replies: 74
Views: 5292

Re: How much do you spend on trips/vacations?

About 20% of our yearly expense is for travel.

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