Search found 1903 matches

by wander
Thu Feb 04, 2016 12:13 am
Forum: Personal Consumer Issues
Topic: Looking for a Free VPN Program for Mac
Replies: 7
Views: 755

Re: Looking for a Free VPN Program for Mac

I use my router VPN. It's total free.
by wander
Sun Jan 31, 2016 6:43 pm
Forum: Personal Consumer Issues
Topic: Which app/plan do you use to make calls to overseas?
Replies: 40
Views: 1632

Re: Which app/plan do you use to make calls to overseas?

carofe wrote:MS office 365 subscription comes with 1h a month free calls to a group of 50 countries.

I also use Rebtel

I've heard this Rebtel recently. Can I always use travel mode (with wifi) even if I am in the US? I ask because I do not want to use my cell air time.
by wander
Sun Jan 31, 2016 6:39 pm
Forum: Personal Consumer Issues
Topic: Replacing timing belt on 2009 Accord(Do it or sell?)
Replies: 66
Views: 3425

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

Stonebr wrote:No brainer.

Do the maintenance.

+1. It's maintenance, not a repair. $650 @ dealer is good price.
by wander
Fri Jan 29, 2016 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Need Advisor/Planner for 1.5M Portfolio
Replies: 29
Views: 2809

Re: Need Advisor/Planner for 1.5M Portfolio

A $1.5M portfolio, for me is nothing different than a $100k one. Keep it simple.
by wander
Fri Jan 29, 2016 4:19 pm
Forum: Personal Consumer Issues
Topic: How to stop junk mail for a deceased person
Replies: 39
Views: 2416

Re: How to stop junk mail for a deceased person

- If from a company or a person, I circle the name "don't live here" and mark "return to sender"
- From newspaper or ads, trash bin it goes.
- I do not open people's mail, and don't mind to drop them in outgoing box with "return to sender" note.
by wander
Thu Jan 28, 2016 7:24 am
Forum: Personal Consumer Issues
Topic: Car Loan Paid Off, Where is my Title?
Replies: 21
Views: 2059

Re: Car Loan Paid Off, Where is my Title?

I recently paid off my car loan with Nissan Motor Acceptance Corporation (~3 weeks ago). I still have not received the title to date. I have been trying to call their customer service for the past couple of days, but I have been unable to get through (on hold for 1-1.5 hours after which I just give...
by wander
Mon Jan 25, 2016 9:10 pm
Forum: Personal Consumer Issues
Topic: What 55" TV to Buy
Replies: 51
Views: 3334

Re: What 55" TV to Buy

You can fix that, of course, by purchasing a ChromeCast for $35... I know. But it seems ridiculous because I paid well to get that TV when it advertised all over for how great its built-in function. You must have a smartphone around to work with Chromecast. A smartphone? Why? I use both my Windows ...
by wander
Mon Jan 25, 2016 8:43 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 209
Views: 10764

Re: Do you pay for exercise?

No, I do not pay for exercise. My employer provides free gym membership.
by wander
Sun Jan 24, 2016 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus Federal + State - $15!!
Replies: 32
Views: 3164

Re: TaxAct Plus Federal + State - $15!!

I started using TaxAct last year and 've been happy with it, will use it again this year. The fee is so reasonable.
by wander
Sat Jan 23, 2016 5:42 pm
Forum: Personal Consumer Issues
Topic: What 55" TV to Buy
Replies: 51
Views: 3334

Re: What 55" TV to Buy

The Wizard wrote:You can fix that, of course, by purchasing a ChromeCast for $35...

I know. But it seems ridiculous because I paid well to get that TV when it advertised all over for how great its built-in function. You must have a smartphone around to work with Chromecast.
by wander
Sat Jan 23, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: What 55" TV to Buy
Replies: 51
Views: 3334

Re: What 55" TV to Buy

Hard to go wrong with a Panasonic or a Sony. Which would be the Honda and Toyotas of TVs. Others will recommend an LG or a Samsung. Which would be the Hyundai and Kias of TVS. Some will even recommend a Vizio. Best thing to do is go shopping and see what looks best to your eyes. Nowadays, Samsung m...
by wander
Wed Jan 20, 2016 7:55 pm
Forum: Personal Consumer Issues
Topic: Cell service visiting Canada
Replies: 18
Views: 1434

Re: Cell service visiting Canada

I personally don't have the experience (hopefully dual citizens will chime in), but will offer following suggestions. It all depends on how much she wants to pay for that once-a-year convenience. Project Fi from Google would work great (my son signed up and is happy with the service so far). The do...
by wander
Wed Jan 20, 2016 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting & dividend reinvest in Roth IRA
Replies: 6
Views: 709

Re: Tax loss harvesting & dividend reinvest in Roth IRA

Sort of. Good that you used the actual reinvest date for VEIEX/VEMAX -- 9/24, not 9/25. I would go either with the NAV or the closing price for VWO on 9/24. Looks like the NAV was $33.38 and the closing price $33.19. Since the lower number will lead to a higher tax bill, I suppose the conservative ...
by wander
Tue Jan 19, 2016 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting & dividend reinvest in Roth IRA
Replies: 6
Views: 709

Re: Tax loss harvesting & dividend reinvest in Roth IRA

It goes roughly like this: Say your Roth IRA bought 123.456 shares of VEIEX on 9/25 when it reinvested dividends. If your sale in taxable was the *same* fund, then you would simply identify the loss triggered by the oldest 123.456 shares that you sold at a loss. That is your disallowed loss. Here, ...
by wander
Tue Jan 19, 2016 7:17 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting & dividend reinvest in Roth IRA
Replies: 6
Views: 709

Re: Tax loss harvesting & dividend reinvest in Roth IRA

celia wrote:Were your VEIEX dividends reinvested in more VEIEX shares?

Yes.
by wander
Mon Jan 18, 2016 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting & dividend reinvest in Roth IRA
Replies: 6
Views: 709

Tax loss harvesting & dividend reinvest in Roth IRA

If I sold 200 shares of VWO on September 01 in taxable account for a loss and the VG emerging markets index fund VEIEX (in my Roth IRA) distributed dividend of $200 on September 25. How do I enter the portion of wash sale in my tax form considering the VWO and VEIEX have different NAVs? (I was told ...
by wander
Thu Jan 14, 2016 11:55 pm
Forum: Personal Consumer Issues
Topic: My Car Broke. Buy New Car or Fix?
Replies: 50
Views: 4562

Re: My Car Broke. Buy New Car or Fix?

I ended up buying an engine on carparts.com, having it shipped to the cheapest local mechanic. The whole thing was $3500. I think this is reasonable, and the engine I got had only 65k miles on it. I hope it is not going to be job security for the mechanic. Who knows if the engine 65k is not a lemon...
by wander
Wed Jan 13, 2016 10:01 pm
Forum: Investing - Theory, News & General
Topic: Is the Powerball a good play?
Replies: 48
Views: 3055

Re: Is the Powerball a good play?

Don't know if it is a good play or not, but spending $2 for a billionaire's dream is worth it. :sharebeer
by wander
Mon Jan 11, 2016 10:53 pm
Forum: Personal Consumer Issues
Topic: Oil Changes turns into a disaster. What to do?
Replies: 62
Views: 6738

Re: Oil Changes turns into a disaster. What to do?

I would recommend you to ask Clark Howard. I have never called him before but I sometimes listened to his show and he helped many people. This is the link to his home page.
by wander
Wed Jan 06, 2016 7:32 pm
Forum: Personal Consumer Issues
Topic: Turn off water heater on vacation?
Replies: 66
Views: 5733

Re: Turn off water heater on vacation?

If the pressure relief valve fails, you might get a real Mythbuster's experience: https://www.youtube.com/watch?v=rGWmONHipVo . Granted, they removed all safety equipment and super-heated the water to build up an extreme amount of pressure for that experiment, but it still shows you that pressure r...
by wander
Wed Jan 06, 2016 7:11 am
Forum: Personal Consumer Issues
Topic: Turn off water heater on vacation?
Replies: 66
Views: 5733

Re: Turn off water heater on vacation?

If the pressure is too high, there is a pressure relief valve and drain on the water heater. the safest thing to do is to turn off the water supply then relieve the pressure in the system by running both a hot and a cold faucet for a few seconds. The biggest danger is that the system (not just the ...
by wander
Tue Jan 05, 2016 10:24 pm
Forum: Personal Consumer Issues
Topic: Turn off water heater on vacation?
Replies: 66
Views: 5733

Re: Turn off water heater on vacation?

I always turn off the main water supply during vacation, but I don't turn off the power to the water heater. I think this is not safe. But I am not an expert. It seems you have to deal with "closed system" situation. You have to, somehow, mitigate the risk of pressure too high or too low ...
by wander
Tue Jan 05, 2016 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA planning close to $117k income limit
Replies: 11
Views: 1449

Re: Roth IRA planning close to $117k income limit

You should read this livesoft's thread/

How to pay ZERO taxes in retirement with 6-figure expenses

Roth 401k, Roth IRA may not even make sense.
by wander
Mon Jan 04, 2016 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Best 2% Back VISA/MASTER Card
Replies: 51
Views: 4616

Re: Best 2% Back VISA/MASTER Card

Priceline visa, 2% cash back on anything, no annual fee, no limit and 5% at Priceline.com.
by wander
Mon Jan 04, 2016 10:15 pm
Forum: Investing - Theory, News & General
Topic: When will Value outpeform Growth?
Replies: 62
Views: 5076

Re: When will Value outpeform Growth?

Value outperform Growth? Quick answer is "don't know".
by wander
Mon Jan 04, 2016 9:59 pm
Forum: Personal Consumer Issues
Topic: Should I replace an old car that is technically still running?
Replies: 34
Views: 2021

Re: Should I replace an old car that is technically still running?

The latter is the most troubling issue, since a handful of mechanics was not able to diagnose the problem and offer solutions, and essentially told us that the car may keep running for a few more years or die within the week. Mechanics could not find problems is a good reason to let it go. I'd like...
by wander
Mon Jan 04, 2016 9:51 pm
Forum: Personal Consumer Issues
Topic: Waste of money? [High-end home theater]
Replies: 140
Views: 7614

Re: Waste of money? [High-end home theater]

I couldn't justify myself for a high-end home theater unless it is a million dollar house and you want to impress your guests. I thought my $2k was already over the limit.
by wander
Mon Jan 04, 2016 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Tell My Children About My Inheritance Plan?
Replies: 57
Views: 4403

Re: Should I Tell My Children About My Inheritance Plan?

No, I will not tell them about my plan. But it's up to you.
by wander
Sun Jan 03, 2016 8:32 pm
Forum: Personal Consumer Issues
Topic: How much is your house worth?
Replies: 71
Views: 5456

Re: How much is your house worth?

$26k less than I paid for it.
by wander
Sun Jan 03, 2016 10:44 am
Forum: Personal Finance (Not Investing)
Topic: What are your 2 retirement numbers?
Replies: 260
Views: 24990

Re: What are your 2 retirement numbers?

65 and some 7-digit numbers.
by wander
Sun Jan 03, 2016 9:15 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 753
Views: 111230

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

2015 YTD -.87% with 83%/17% (stock/bond).
by wander
Sun Jan 03, 2016 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Savings % Target 2016?
Replies: 168
Views: 8777

Re: Savings % Target 2016?

30% is lowest threshold.
by wander
Sun Jan 03, 2016 8:29 am
Forum: Personal Consumer Issues
Topic: Minivan or SUV?
Replies: 24
Views: 1933

Re: Minivan or SUV?

I chose a minivan over SUV because I thought the SUV shocks were more rigid than a minivan. When sitting at center row, I felt hitting a bump was more comfortable with a van than an SUV. I was thinking about my kids' car seats that were going to be on that row. But it was 18 years ago, things maybe ...
by wander
Sun Jan 03, 2016 8:14 am
Forum: Investing - Theory, News & General
Topic: Google Spreadsheet [for portfolio tracking]
Replies: 24
Views: 2303

Re: Google Spreadsheet [for portfolio tracking]

Google forms Size limits also apply to spreadsheets that collect form responses (for example, if you send a survey). The number of questions in your form and the number of cells with other data count toward your limit. Complex calculations Google spreadsheets have complexity limits. Every time a ce...
by wander
Fri Jan 01, 2016 5:16 pm
Forum: Personal Consumer Issues
Topic: VPN Service, personal. suggestions.
Replies: 23
Views: 1655

Re: VPN Service, personal. suggestions.

Even if the site is using https? I think you are safe using https connection because the data will be encrypted all the way from your computer to the web page you are visiting. But people still know which website you are visiting. With vpn, people have no idea where you are browsing. But the vpn ga...
by wander
Fri Jan 01, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: VPN Service, personal. suggestions.
Replies: 23
Views: 1655

Re: VPN Service, personal. suggestions.

How important is VPN if you have a wired desktop internet connection with "adequate" anti virus/malware/exploit security. It has nothing to do with anti virus/malware/security. If you are at home, using wired connection or password protected wifi, then you do not need VPN at all. However,...
by wander
Thu Dec 31, 2015 10:25 pm
Forum: Personal Consumer Issues
Topic: VPN Service, personal. suggestions.
Replies: 23
Views: 1655

Re: VPN Service, personal. suggestions.

Easiest way is to use free home VPN if your router supports it. I've been using my router (DD-WRT) VPN, it's not the most secured encryption out there, but it does the job.
by wander
Thu Dec 31, 2015 5:35 pm
Forum: Personal Consumer Issues
Topic: VPN Service, personal. suggestions.
Replies: 23
Views: 1655

Re: VPN Service, personal. suggestions.

There's no free lunch. If you care enough to use a VPN service, you should care enough to pay for it. You can use Onavo Protect app VPN. It is free and I guess every phone should have it. From the Onavo web site: To provide this layer of protection, Onavo establishes a secure connection used to dir...
by wander
Thu Dec 31, 2015 11:33 am
Forum: Personal Consumer Issues
Topic: VPN Service, personal. suggestions.
Replies: 23
Views: 1655

Re: VPN Service, personal. suggestions.

You can use Onavo Protect app VPN. It is free and I guess every phone should have it.
by wander
Mon Dec 28, 2015 10:28 pm
Forum: Personal Consumer Issues
Topic: Simple Camera for Travel?
Replies: 40
Views: 2818

Re: Simple Camera for Travel?

If you only care about the contents, then a smartphone may meet your needs. But if you want to take the best pictures with budget, then you want this camera with good camera lenses. It's small enough for travelers. There's a bit more to it than just that. For our needs a current smartphone works ve...
by wander
Sun Dec 20, 2015 10:06 pm
Forum: Personal Consumer Issues
Topic: Bought a 2009 Prius and now....
Replies: 28
Views: 3337

Re: Bought a 2009 Prius and now....

I don't know about you but I always have a backup car and my wife is always driving a newer, better car because my job is to take care of car problems, not hers.
by wander
Sun Dec 20, 2015 4:13 pm
Forum: Personal Consumer Issues
Topic: Macys.com security breach?
Replies: 10
Views: 1287

Re: Macys.com security breach?

I have never received an Email like that from Macy's. If I did receive it, I would delete it the email and access my account using the official Macy's URL link.
by wander
Sun Dec 20, 2015 4:09 pm
Forum: Personal Consumer Issues
Topic: Simple Camera for Travel?
Replies: 40
Views: 2818

Re: Simple Camera for Travel?

If you only care about the contents, then a smartphone may meet your needs. But if you want to take the best pictures with budget, then you want this camera with good camera lenses. It's small enough for travelers.
Image
by wander
Fri Dec 18, 2015 2:05 pm
Forum: Personal Consumer Issues
Topic: True cost of a [dental] implant
Replies: 36
Views: 4894

Re: True cost of a [dental] implant

I have both healthcare and dental insurance. When I visit a dental office, should I give them both IDs or just a dental card? Normally, they want to take both but I wonder if it is necessary.
by wander
Fri Dec 18, 2015 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Continue to work or stay at home?
Replies: 28
Views: 1884

Re: Continue to work or stay at home?

From a financial/tax perspective, can you guide or help me to calculate which option, whether continuing to work or staying at home, would make better sense? Either way will work. Do you want to stay home taking care of the kids? I know some women do not want to give up their careers for their kids...
by wander
Tue Dec 15, 2015 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford a BMW i8 priced at ~150k?
Replies: 64
Views: 4934

Re: Can I afford a BMW i8 priced at ~150k?

Even paying off the $140,000, you are still richer than me when I was 32 year old. I have no comment since I didn't have a choice at your age. :D
by wander
Thu Dec 10, 2015 11:45 pm
Forum: Personal Consumer Issues
Topic: Gift for your boss
Replies: 54
Views: 3291

Re: Gift for your boss

I am expecting my boss to give me gift. We work hard and he took credits.
by wander
Thu Dec 10, 2015 7:25 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 179
Views: 10952

Re: Flaunt Your High-Mileage Car

How much maintenance are you guys doing on these high mileage cars and trucks? Are you taking them to the garage for fixes or just letting the small stuff break (oil leaks, dead windows, torn upholstery, broken radios, etc. ) and ignoring them? What about repairing things like leaking oil seals or ...
by wander
Thu Dec 10, 2015 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 350K home in Florida?
Replies: 33
Views: 3007

Re: Can we afford a 350K home in Florida?

$8555 is not too much if you compare with house with price half of $350k in New Jersey (just for property tax). Your problem is you never paid it before so you feel it is too much. With your income, $350k is affordable.

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