Search found 1987 matches

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: 1385

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: 178
Views: 9639

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: 5981

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: 2795

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: 2399

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: 5899

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: 123
Views: 8317

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: 13109

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: 5910

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: 1369

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: 1663

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: 1663

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: 5637

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: 3084

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: 1665

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: 1712

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: 1712

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: 1712

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: 6638

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: 1712

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: 2863

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: 4904

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: 4904

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: 4904

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: 1513

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: 2420

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: 13850

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: 6632

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: 7597

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: 3605

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: 11372

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: 1067

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: 5176

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

About 20% of our yearly expense is for travel.
by wander
Wed May 25, 2016 4:47 am
Forum: Personal Consumer Issues
Topic: Arrgghhh !!! Windows 10 installed overnight
Replies: 92
Views: 8858

Re: Arrgghhh !!! Windows 10 installed overnight

I decided to update to Windows 10 from Windows 7 on my Dell laptop yesterday. It said that my laptop and applications were compatible. Everything went fine and I got windows 10 installed. First thing I noticed was the display was so dark. I went into display settings to adjust the brightness, howeve...
by wander
Sat May 21, 2016 10:36 pm
Forum: Personal Consumer Issues
Topic: Elio Car
Replies: 89
Views: 9644

Re: Elio Car

neilpilot wrote:I wouldn't call it a car. it's a 3-wheeled motorcycle.

I believe you can call it whatever you like.
by wander
Sat May 21, 2016 6:45 am
Forum: Personal Finance (Not Investing)
Topic: How old can you be and retire early?
Replies: 81
Views: 8198

Re: How old can you be and retire early?

My most worry is to retire without insurance or medicare, so earlier than 65 is retire early. :sharebeer
by wander
Sat May 21, 2016 5:19 am
Forum: Personal Consumer Issues
Topic: Elio Car
Replies: 89
Views: 9644

Re: Elio Car

Elio, the 84-mpg three-wheeler, makes pit stop at Woodfield Mall
I have not put down the money for one of these cars, but I will consider to own one after 2-3 years.
by wander
Fri May 20, 2016 5:19 am
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 1832

Re: Pride in no inheritance to kids?

I heard someone said before "Tigers die, leave skin; people die, leave names".
by wander
Tue May 17, 2016 9:04 pm
Forum: Personal Consumer Issues
Topic: Arrgghhh !!! Windows 10 installed overnight
Replies: 92
Views: 8858

Re: Arrgghhh !!! Windows 10 installed overnight

1210sda wrote:Seems Microsoft just got tired of me not installing 10 on my own and went ahead and installed it for me.

How?
by wander
Tue May 17, 2016 8:10 am
Forum: Personal Consumer Issues
Topic: Is it OK to leave home wifi on?
Replies: 55
Views: 4011

Re: Is it OK to leave home wifi on?

1. Why would they do that? 2. If they did, they would still prob use an untraceable IP anonymizer....why risk me catching them? 3. If they used an anoymizer through my wifi, I assume all IP packets would contain their unique NIC serial number. 4. If they subpoena'ed my devices, they would find no c...
by wander
Mon May 16, 2016 9:26 pm
Forum: Personal Consumer Issues
Topic: Is it OK to leave home wifi on?
Replies: 55
Views: 4011

Re: Is it OK to leave home wifi on?

I do not like to turn off the wifi router at all. Almost all light bulbs burned out when I turn them on. Longest burning light bulb was installed in 1901Firestation #6, Livermore, California and has been left 24 hour a day.
by wander
Sun May 15, 2016 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 23176

Re: Rich But Middle Class

People know when they are poor, but they do not know when they are rich.
by wander
Sun May 15, 2016 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Do you move after your home has appreciated by $500K?
Replies: 38
Views: 3841

Re: Do you move after your home has appreciated by $500K?

No, unless you want to take the cash and move to other states where houses are cheaper. I know many people left California for Arizona or Texas for that reason.
by wander
Mon May 09, 2016 6:46 pm
Forum: Personal Consumer Issues
Topic: Moving my car from CT to MD
Replies: 18
Views: 1438

Re: Moving my car from CT to MD

You can drive first car to MD, rent a car one-way from MD to CT, then drive second car to MD.
by wander
Tue May 03, 2016 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo - Transfer Fees
Replies: 13
Views: 1503

Re: Wells Fargo - Transfer Fees

abuss368 wrote:Let's assume one has a Preferred Checking account. You log into Vanguard, select "buy" for a mutual fund. This funds will come out of the Wells Fargo checking account.

Are there fees charged?

No, there are not.
by wander
Mon May 02, 2016 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay back my parents back for paying for some my college costs
Replies: 59
Views: 7651

Re: Should I pay back my parents back for paying for some my college costs

Yes, but not with some calculated return of the amount they provided you. I assume they provided you the help with education as part of their parental responsibilities and out of love. You should repay them with your eternal gratitude and love and caring. Even if you pay them back, it will not undo...
by wander
Sat Apr 30, 2016 7:13 am
Forum: Personal Consumer Issues
Topic: Buying a New Car...Is it Unwise?
Replies: 68
Views: 6480

Re: Buying a New Car...Is it Unwise?

Currently drive a 2008 Acura TSX with 92K miles on it. My CD player does not work. It will need new tires plus the standard regular maintenance as it approaches 100K miles. It has been paid off a while. With the expenses coming up and being 8 years old now it has gotten me to thinking of a new car....
by wander
Fri Apr 29, 2016 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Saving Too Much in Retirement Accounts?
Replies: 35
Views: 5080

Re: Saving Too Much in Retirement Accounts?

We somewhat did similar to your friend: bought and now house is paid off, but we didn't rent it to anyone. It works for us because we look at the house as a place to live, not an investment. All our money is to max out 401ks, IRAs, HSAs and taxable investment. It works either way, as long you have a...

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