Search found 2103 matches

by wander
Fri Feb 24, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: At what point is a used car worth it
Replies: 15
Views: 1120

Re: At what point is a used car worth it

I would not trade in a car for a used or new one because I will drive it into the ground anyway. I only buy when my car stops running. But, I can handle car problems.
by wander
Fri Feb 24, 2017 11:55 am
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 52
Views: 6940

Re: anguard opens special offices for $1 million clients

Flagship Customers Only ... Interesting that only 60,000 out of 25 million Vanguard clients are Flagship. That's 1/4 of one percent. Using that same percent, means that only about 150 of the 57,000 Bogleheads would be Flagship clients. Surely there must be a much greater representation of Flagship ...
by wander
Fri Feb 24, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: ringplus mobile premium plans - what is your experience?
Replies: 50
Views: 2773

Re: ringplus mobile premium plans - what is your experience?

I moved my two lines from RingPlus to Ting this morning. It took about 2 minutes. Restarted each phone and they were up and running. I reset up voice mail on each line. Disabled texting and data from the Ting dashboard. These phones are just basic call only phones. Ting did make the port out very e...
by wander
Fri Feb 24, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing a new house -- Are we being stupid to consider it?
Replies: 25
Views: 2102

Re: Purchasing a new house -- Are we being stupid to consider it?

I would not do it if I were you. For me, mortgage should be equal or less than 2x of household income. Extra money goes into my 401k, IRA, HSA and taxable accounts. You don't want a 5 year old kid being anywhere outside of your house without supervision anyway. After a few more years of saving, you ...
by wander
Mon Feb 20, 2017 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: 20% bonds: why bother at 48?
Replies: 131
Views: 6299

Re: 20% bonds: why bother at 48?

I've got comments from both sides. 100% is way to go, or 80/20, or 60/40, or 40/60, or 20/80 or 0/100 is everyone's personal business. As long I can sleep well at night and my portfolio keeps growing and working in my favor, that's all I need. All roads lead to retirement.
by wander
Sun Feb 19, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 34
Views: 2632

Re: Wifi Router Advice

I am using one of the Buffalo DD-WRT routers. It is the best router I ever have (Tried Linksys, Western Digital ...). It can go month to month without dropping and usually the router was triggered a reboot whenever my ISP caused a drop on its end. When that happens, my router reboots by itself. I ca...
by wander
Sat Feb 18, 2017 12:42 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct still not importing stock data
Replies: 32
Views: 2963

Re: TaxAct still not importing stock data

I remember using TaxAct and H&RB before but then switched to Turbo because of this 'importing" feature. But even TurboTax, I could not import data from WellsFargo because the password I use for Wellsfargo too long to be accepted at TurboTax. WellsFargo recommended to make the password for W...
by wander
Sat Feb 18, 2017 12:34 am
Forum: Personal Consumer Issues
Topic: Long Day Trip: Drive Old Car or Rent Car?
Replies: 59
Views: 3362

Re: Long Day Trip: Drive Old Car or Rent Car?

275 miles will empty just about 2/3 your fuel tank. I mean you should not be concerned about break down. But if you want to drive a newer car, go for it. It does not affect you financially at all.
by wander
Thu Feb 16, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Tires for an old car
Replies: 42
Views: 2619

Re: Tires for an old car

P0420 is the catalytic converter P0500 is the Vehicle Speed sensor I think after taking care of these codes, your car problem should go away. I think that you might have it backwards. If you take care of the problem, these codes should go away. The real problem that bothers the OP was the "whe...
by wander
Mon Feb 13, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Is 130k a good salary in IT?.
Replies: 40
Views: 5380

Re: Is 130k a good salary in IT?.

Yes, 130k is a good salary almost everywhere.
by wander
Sat Feb 11, 2017 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Tires for an old car
Replies: 42
Views: 2619

Re: Tires for an old car

I wouldn't jump for transmission right away. That's a lot of money to spend. Rather, try inexpensive stuffs first. Lucky for you that the OBD throws some error codes. Speed sensor maybe the hint. Transmission should be the last thing you want to fix.
by wander
Sat Feb 11, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Tires for an old car
Replies: 42
Views: 2619

Re: Tires for an old car

seek1227 wrote:P0420 is the catalytic converter
P0500 is the Vehicle Speed sensor

I think after taking care of these codes, your car problem should go away.
by wander
Sat Feb 11, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Newer SUV, high milage vs older SUV with low milage
Replies: 8
Views: 704

Re: Newer SUV, high milage vs older SUV with low milage

It depends on personal's taste. For me, I would pick the newer model because the 100k mile is not my limit. But for you, it will take longer for the lower mileage will reach 100k(th) mark.
by wander
Wed Feb 08, 2017 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 142
Views: 19060

Re: Wow, Vanguard Flagship service is bad. Really bad.

I helped my spouse open Rollover-IRA and Roth-IRA. It took me a few minutes and no-phone call was needed. People complain customer service, but between our accounts, we've never (up to this point) called customer service. I have accounts with TD-Ameritrade, TrowePrice, and WellsFargo, but I have not...
by wander
Mon Feb 06, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sign on as a co-borrower on my wife's car loan?
Replies: 18
Views: 1593

Re: Should I sign on as a co-borrower on my wife's car loan?

I think I am on the less popular list as I don't care about FICO score much. If my spouse needs me to co-sign then I will cosign. By the way, I never had problem getting a loan.
by wander
Sat Feb 04, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: Microsoft requires cell number
Replies: 36
Views: 2348

Re: Microsoft requires cell number

You can create a Google voice number and receive the code that way.
by wander
Fri Feb 03, 2017 10:55 pm
Forum: Personal Consumer Issues
Topic: Lexus PreCollision Safety System (auto braking)
Replies: 35
Views: 2494

Re: Lexus PreCollision Safety System (auto braking)

I would not upgrade (if I were you), because I am more worried of being hit by careless drivers that I cannot prevent with this safety feature.
by wander
Fri Feb 03, 2017 10:14 pm
Forum: Personal Consumer Issues
Topic: ringplus mobile premium plans - what is your experience?
Replies: 50
Views: 2773

Re: ringplus mobile premium plans - what is your experience?

Latest announcement from Ringplus: "Sprint has notified Ringplus that it plans to stop all services to Ringplus and its subscribers on February 11, 2017 at 5:00 PM Central daylight time."
by wander
Thu Feb 02, 2017 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Afford A $550k House - Your Opinion?
Replies: 29
Views: 3713

Re: Can We Afford A $550k House - Your Opinion?

Yes, you can afford it.
by wander
Mon Jan 30, 2017 12:42 am
Forum: Personal Consumer Issues
Topic: Nissan? (Cars.)
Replies: 52
Views: 3311

Re: Nissan? (Cars.)

I am currently driving a 97 Nissan truck, 370k miles. People can say all they want, but Nissan is as reliable as any brand (for me).
by wander
Fri Jan 27, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Verizon to Cricket or StraightTalk
Replies: 63
Views: 3861

Re: Verizon to Cricket or StraightTalk

I don't think Verizon ever locks their phones. But your phone need to be the types that can handle GSM. Some times before, even when Verizon phone unlocked, it was still useless as phones could handle only CDMA so you cannot use them with AT&T or T-Mobile anyway.
by wander
Fri Jan 27, 2017 12:31 pm
Forum: Investing - Theory, News & General
Topic: Risk tolerance when you meet your number
Replies: 106
Views: 9713

Re: Risk tolerance when you meet your number

When I meet my number and if I am still in accumulation phase, then I will keep investing the way I have bee doing.
by wander
Fri Jan 27, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: What sort of doctor specialty should I see?
Replies: 4
Views: 632

Re: What sort of doctor specialty should I see?

You should start with family doctor first, then s/he will recommend to a specialist after generally looks at your test results for more logical guess/suggestion.
by wander
Fri Jan 27, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: How Do You Pay Your Monthly Bills?
Replies: 42
Views: 3610

Use bill pay

I use bank bill pay service to pay all of my bills. Some credit cards send ebill directly, for these companies, I will use auto-pay option. For others, I will just send checks using bill pay.
by wander
Wed Jan 25, 2017 7:45 am
Forum: Personal Consumer Issues
Topic: iPhone: Are Apple Maps as good as Google Maps?
Replies: 30
Views: 2838

Re: iPhone: Are Apple Maps as good as Google Maps?

If your data plan is limit and you want off-line GPS that does not use data, there is an app called Here We Go available for free. It seems to work very well.
My first choice is Waze, then Google.
by wander
Sat Jan 21, 2017 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Trying to get on track
Replies: 35
Views: 2359

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: 4396

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: 19
Views: 1659

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: 3000

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: 3474

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: 602

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: 3474

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: 2621

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: 2398

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: 2913

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: 12857

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: 57
Views: 4140

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: 57
Views: 4140

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: 4142

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: 2276

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: 258
Views: 23315

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: 320
Views: 23280

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: 1290

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: 1336

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: 5364

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: 4186

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: 5989

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: 68
Views: 6260

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: 139
Views: 14203

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: 1875

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.

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