Search found 2078 matches

by wander
Sat Jan 21, 2017 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Trying to get on track
Replies: 35
Views: 2170

Re: Trying to get on track

The numbers do not add up well. You spend almost $123k on $140k salary. Even with $167k, you do not have much room to invest for retirement or saving for kids' college.
by wander
Sat Jan 21, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: Cell phones - I have met my match, please help
Replies: 38
Views: 4072

Re: Cell phones - I have met my match, please help

Go to an Apple store, buy a new Verizon phone and then activate it on PageplusCellular or Puppywireless and you are good to go. Or buy a used Verizon Iphone: any Iphone 6, 6+, 7, or 7+ should work. Verizon Iphones are unlocked for both CDMA and GSM so you can have both options if you change your min...
by wander
Mon Jan 16, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: Collision Avoidance Systems
Replies: 15
Views: 1086

Re: Collision Avoidance Systems

It's a very cool technology.
2016 Lexus RX 350 - FROM INSIDE - PRE-COLLISION SYSTEM WITH RADAR

My spouse usually alerts me when we are still far away from impact point. :D
by wander
Mon Jan 16, 2017 12:50 am
Forum: Personal Consumer Issues
Topic: Streaming TV for Elderly Parents
Replies: 39
Views: 2817

Re: Streaming TV for Elderly Parents

In stead of Ooma, you can do better with Obihai. It is almost totally free after you spend about $50 or less for the device. But you have to do some works to continue using their old numbers. I've heard porting a phone number to Ooma is very simple.
by wander
Mon Jan 16, 2017 12:39 am
Forum: Personal Finance (Not Investing)
Topic: is a 401k loan always terrible?
Replies: 51
Views: 3134

Re: is a 401k loan always terrible?

According to a lot of sources I've read and a number of discussions of actual loans over a number of years, a lot of 401(k) plans require that the money for the loan is provided by selling off your funds in proportion to your fund allocations, and that payments be put back in the same proportions a...
by wander
Mon Jan 16, 2017 12:30 am
Forum: Personal Consumer Issues
Topic: Sudden alternator corrosion... And Prevention/Protection?
Replies: 6
Views: 555

Re: Sudden alternator corrosion... And Prevention/Protection?

I think if you might not tightened the alternator posts well in June, otherwise, even if the posts were corroded externally, it wouldn't affect the metal-metal connection surface.
by wander
Mon Jan 16, 2017 12:19 am
Forum: Personal Finance (Not Investing)
Topic: is a 401k loan always terrible?
Replies: 51
Views: 3134

Re: is a 401k loan always terrible?

I borrowed money from my 401k. The paid back money was removed from my paycheck directly and I was still able to continue maxing my 401k. I will do it again.
by wander
Sun Jan 15, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Upgrade or just buy new? [Computer]
Replies: 44
Views: 2444

Re: Upgrade or just buy new? [Computer]

Windows XP is pretty old. You only need to save the data you need and install clean window 7, 8 or 10. At this time, you should get Windows 10 so you don't have to upgrade it again anytime soon. Your monitor maybe already too old, a new one will make your eyes happier.
by wander
Sat Jan 14, 2017 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice for Vanguard fund choices for $1.6M
Replies: 19
Views: 2318

Re: Need advice for Vanguard fund choices for $1.6M

You have to make of your mind and stick with one portfolio that meets your need/style. I read people's ideas all the time, but that doesn't mean I have to change my portfolio.
by wander
Sat Jan 14, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should people own 2 cars for themselves?
Replies: 21
Views: 2785

Re: Should people own 2 cars for themselves?

I buy a car because I like to drive in it and usually do not pay attention about resale value. I will drive it until wheels fall off and do not mind to put a lot of miles on it either. I would not buy a second car to save the luxury car some miles. You will have to worry about maintenance, DVM fees ...
by wander
Wed Jan 11, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: Replacing timing belt on 2009 Accord(Do it or sell?)
Replies: 83
Views: 11725

Re: Replacing timing belt on 2009 Accord(Do it or sell?)

My question is, if I do pay $650 to replace the belt and only keep the car 1 more year would I have been better off having just sold it in the first place and saved the $650? On one hand, I think Honda has interference design so you want to replace timing belt. On the other hand, I think you can ea...
by wander
Sun Jan 08, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Is Iphone/Ipad fingerprint signin reasonably secure?
Replies: 54
Views: 3697

Re: Is Iphone/Ipad fingerprint signin reasonably secure?

Again, no site is storing your fingerprints. The fingerprints remain on your device in encrypted storage, and the OS does not provide any access to the fingerprints themselves. Apps can only ask if the finger on the sensor matches a stored print. In a proper implementation, no app or even malware w...
by wander
Sat Jan 07, 2017 11:30 pm
Forum: Personal Consumer Issues
Topic: Is Iphone/Ipad fingerprint signin reasonably secure?
Replies: 54
Views: 3697

Re: Is Iphone/Ipad fingerprint signin reasonably secure?

It's not the problem with technologies but how companies are handling database with people's fingerprints. Just like Yahoo users didn't lose their password, but Yahoo itself lost its users' passwords and other personal information. I think the fingerprint technology is safe and vanguard is trustwort...
by wander
Sat Jan 07, 2017 11:23 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 55
Views: 3972

Re: No Vanguard Customer Support on weekends

I've been with Vanguard for about 10+ years and I never called them. I can do everything on its website. The website, btw, is available on the weekend too. Available on weekend is nice, but not necessary, IMHO.
by wander
Sat Jan 07, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: Do I need to replace my desktop PC?
Replies: 27
Views: 2222

Re: Do I need to replace my desktop PC?

If the desktop does what you need, then I don't see why you need to get a replacement.
by wander
Fri Jan 06, 2017 7:45 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 256
Views: 21486

Re: How much is your cell phone bill?

We pay $30 a month for cellphone plans. We have Verizon and Sprint phones to cover more areas than just one carrier.
by wander
Fri Jan 06, 2017 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 262
Views: 16445

Re: Annual Vacation Budget

We spend about $5k - $10k for travel each year. We drive old cars but love travel. Observations is the best teacher.
by wander
Fri Dec 23, 2016 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Should I rebalance with each deposit?
Replies: 16
Views: 1248

Re: Should I rebalance with each deposit?

I wouldn't worry too much about AA at this point. You can invest in one target retirement fund. When it reaches about $30k - $50k then start worrying about AA.
by wander
Wed Dec 21, 2016 8:19 pm
Forum: Personal Consumer Issues
Topic: White Spot on TV - Caused by Router?
Replies: 22
Views: 1271

Re: White Spot on TV - Caused by Router?

It's unlikely caused by a Router.
by wander
Tue Dec 20, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: Coach bag for wife - how to buy
Replies: 73
Views: 5270

Re: Coach bag for wife - how to buy

Go to the store and buy it. The biggest problem in buying someone a bag is knowing which one they would like; your wife has made that easier for you. The second biggest problem in buying someone a bag is not knowing if it's a knockoff or an irregular one. That you can arrange by buying it in the st...
by wander
Mon Dec 19, 2016 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: Another "OMG why did my portfolio fall" question!
Replies: 30
Views: 4127

Re: Another "OMG why did my portfolio fall" question!

fantasytensai wrote:Again, not panicking, just want to know. Thanks!

It sounds like you are panicking, otherwise, you wouldn't have asked.
by wander
Mon Dec 19, 2016 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help: Drowning in Debt
Replies: 60
Views: 5793

Re: Need Help: Drowning in Debt

With salary that high, you should be smart and should be able to get your act together and figure out where the money has gone to.
by wander
Sun Dec 18, 2016 11:05 pm
Forum: Investing - Theory, News & General
Topic: Charles Schwab Experiences?
Replies: 43
Views: 3805

Re: Charles Schwab Experiences?

My experience with great has been great. Free any ATM withdrawal (reimbursement)and foreign transactions are on top of my list, plus other benefits.
by wander
Sat Dec 17, 2016 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 113
Views: 10334

Re: Sallie Mae Rewards MC being discontinued

I received the same letter. The new deal is not "great" like it said. I will miss the % grocery rebate but not much with gas rebate since I have used other CC for gas rebate. Blue cash preferred card,for some people, is better deal by the way.
by wander
Sat Dec 17, 2016 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: [Retirement] How to know if you're on track?
Replies: 11
Views: 1828

Re: [Retirement] How to know if you're on track?

pepperz wrote:How do you guys know if your plan is on track with respect to your Retirement goals?

It's a long and simple process. I built my Excel spreadsheet with prediction just as other posters and then check it every month or so.
by wander
Sat Dec 17, 2016 1:18 pm
Forum: Investing - Theory, News & General
Topic: How much do you have to change your AA to actually effect risk?
Replies: 59
Views: 4674

Re: How much do you have to change your AA to actually effect risk?

This thread makes me recall TheFinanceBuff blog piece about rebalancing band math and how much a portfolio needs to change to trigger rebalancing: http://thefinancebuff.com/5-percent-rebalancing-band.html That was an inspiration for me to really move the needle on August 24th from my normal below 6...
by wander
Sat Dec 17, 2016 1:07 pm
Forum: Personal Consumer Issues
Topic: Buy a car or repair the old one
Replies: 17
Views: 1569

Re: Buy a car or repair the old one

Hey guys! So, my 2003 Civic may be in need of a serious repair (i.e. $1500, i.e. close to the current value of the car). Essentially, there is likely a head gasket issue that, while the car is driving fine, is causing the coolant level to slowly go down (burning it off???). Are you guessing or has ...
by wander
Sat Dec 17, 2016 9:39 am
Forum: Personal Consumer Issues
Topic: Cell phone carriers (looking to switch)
Replies: 34
Views: 2073

Re: Cell phone carriers (looking to switch)

Since you already have verizon compatible phones and if you don't plan to change - take a look at http://www.totalwireless.com; its another brand from tracfone owner sold exclusively through walmart. However, the savings come as a result of poor or no customer service. +1. And also check into pagep...
by wander
Wed Dec 14, 2016 10:38 pm
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 7256

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

I have driven to central NJ often. During snow, I always take my truck, which is FWD, without any issue. But since you live there, I think AWD should be a base requirement.
by wander
Tue Dec 13, 2016 7:41 am
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead's newest millionaire
Replies: 89
Views: 8906

Re: Boglehead's newest millionaire

You can help them anyway you can but you don't need to let them know about your NW.
by wander
Tue Dec 13, 2016 12:06 am
Forum: Investing - Help with Personal Investments
Topic: HSA - is keeping 40 years of medical records practical?
Replies: 128
Views: 8692

Re: HSA - is keeping 40 years of medical records practical?

I use debit card to pay my medical expenses directly from my HSA. Still, we have saved a lot of money in HSA account.
by wander
Sun Dec 11, 2016 3:31 pm
Forum: Personal Consumer Issues
Topic: Recs for blood pressure monitor for home use please
Replies: 13
Views: 1287

Re: Recs for blood pressure monitor for home use please

I also have an OMRON, exactly like livesoft described above. Model HEM-780. I bought it in 2009 and still read correctly my blood pressure. Last week, when I was at the doctor office, a nurse asked me what normally was my blood pressure level. I told her the range I remembered and it was what we saw...
by wander
Fri Dec 09, 2016 6:02 pm
Forum: Personal Consumer Issues
Topic: Ideal two vehicle combo?
Replies: 73
Views: 6093

Re: Ideal two vehicle combo?

That way you have a large SUV with towing capacity, and a sedan with decent MPGs but can still fit everybody in. It's nice to diversify your fleet capabilities. If you commute long distances or take road trips, it is nice to have a car with better gas mileage. I agree with commute long distance usi...
by wander
Fri Dec 09, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 314
Views: 29917

Re: Flaunt Your High-Mileage Car

1997 Nissan truck, bought new, 370k miles.
by wander
Wed Dec 07, 2016 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: How much risk do we need to take? Retired at age 47.
Replies: 56
Views: 6313

Re: How much risk do we need to take? Retired at age 47.

I "won" the game in 2007. I went into stocks at an 80/20 allocation then. Lost half my equity portion in the next year. So don't tell me this is easy at all. I lived through it and it was real. And I still say 70/30 is the right call for me. The OP asked for opinions and being the same ag...
by wander
Wed Dec 07, 2016 7:07 am
Forum: Investing - Help with Personal Investments
Topic: (When) should I move from individual stocks to VTSAX?
Replies: 14
Views: 1349

Re: (When) should I move from individual stocks to VTSAX?

If I were you, I would leave it alone but contribute new money and dividends from these stocks to VTSAX and build an asset allocation. Overtime, this amount will become small compared to your portfolio.
by wander
Wed Dec 07, 2016 5:51 am
Forum: Investing - Help with Personal Investments
Topic: How much risk do we need to take? Retired at age 47.
Replies: 56
Views: 6313

Re: How much risk do we need to take? Retired at age 47.

I disagree with others who say stop playing because we've won. I don't know what the future of my emotions hold any more than I do what the stock market holds. Perhaps I'll want to split time in a few major cities and up my expenses? Perhaps I'll have some sort of health issue which requires more p...
by wander
Wed Dec 07, 2016 5:46 am
Forum: Personal Consumer Issues
Topic: Should I fill out survey evaluation of my boss?
Replies: 53
Views: 4385

Re: Should I fill out survey evaluation of my boss?

If you want to write something good about him/her, then do it. Otherwise, just ignore it.
by wander
Mon Dec 05, 2016 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement with $8M in investments
Replies: 164
Views: 19088

Re: Retirement with $8M in investments

One feels wealthy when one has enough and gives to others.
by wander
Sun Dec 04, 2016 1:48 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Getting Stingy?
Replies: 90
Views: 10966

Re: Amazon Prime Getting Stingy?

I never had problem with either Fedex or UPS, but had some problems with USPS. Once, my packaged was marked delivered by USPS but was not at my door. I went to local office asking for it and I was told that it was delivered, they saw the same thing I could see on the web site. I kept going back and ...
by wander
Thu Dec 01, 2016 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: W4 tax form question
Replies: 6
Views: 673

Re: W4 tax form question

I adjust and make sure that the amount of tax I pay for this year is a few hundreds more than previous year.
by wander
Thu Dec 01, 2016 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: At 10x, how long before I reach 25x?
Replies: 18
Views: 3716

Re: At 10x, how long before I reach 25x?

Only you know the answer for your question.
by wander
Thu Dec 01, 2016 6:59 pm
Forum: Personal Consumer Issues
Topic: Rock hit car windshield, where to repair?
Replies: 23
Views: 1797

Re: Rock hit car windshield, where to repair?

I think you need to replace the windshield.
by wander
Thu Dec 01, 2016 6:57 pm
Forum: Personal Consumer Issues
Topic: Buy iPhone 7 or Wait for iPhone 8
Replies: 33
Views: 3251

Re: Buy iPhone 7 or Wait for iPhone 8

I am still happy with Iphone 5S, and it does what I need. I will wait for Iphone 8 then.
by wander
Thu Dec 01, 2016 6:54 pm
Forum: Personal Consumer Issues
Topic: Backing Up iPhone Memos: iCloud Backup or Local Backup to Laptop
Replies: 7
Views: 892

Re: Backing Up iPhone Memos: iCloud Backup or Local Backup to Laptop

I back up my Iphone with using Itunes. If you use password option when backup, it will save all your passwords so when you restore to new phones, all passwords will be transferred over and you don't have to remember them.
by wander
Wed Nov 30, 2016 7:47 pm
Forum: Personal Consumer Issues
Topic: Money and Phone Abroad
Replies: 23
Views: 1941

Re: Money and Phone Abroad

Usually, I use Schwab ATM card to get cash (no transaction fee) to buy anything and avoid using credit card. If I have to, I will use Priceline credit card which charges no foreign transaction. Google Fi plan includes international calls, but I haven't used one overseas so I am not sure about call q...
by wander
Wed Nov 30, 2016 7:36 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 6591

Re: Should I buy a new car for safety's sake?

MI_bogle wrote:The most important safety feature of any car IS THE DRIVER.

+1.
by wander
Wed Nov 30, 2016 7:13 pm
Forum: Personal Consumer Issues
Topic: Long ethernet cable or wireless?
Replies: 81
Views: 6477

Re: Long ethernet cable or wireless?

I don't see anything by that name in the router settings page. Let me clarify the setup to see if Wireless Isolation is actually needed... On this network, there is only 1 radio emitter and 2 Wi-fi clients, but Wi-fi is disabled on one of these clients. More specifically, the only radio emitter is ...

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