Search found 2160 matches

by wander
Thu Apr 20, 2017 6:00 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodby."
Replies: 332
Views: 33973

Re: Larry Swedroe says "Goodby."

That's sad. I learned from Mr. Larry Swedroe's posts a lot although I never responded to his posts. All I can say is thank you for sharing your knowledge/wisdom to an amateur like myself.
by wander
Fri Apr 14, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Problems with oil pans and plugs for Honda Odyssey
Replies: 51
Views: 2475

Re: Problems with oil pans and plugs for Honda Odyssey

These experiences are completely irrelevant to the OP, who drives a 2008 Honda van. I've never seen/heard of anyone changing the filter on a Honda van by reaching through the wheel well. If you've never seen/heard it, it doesn't mean it is not true. You can try google on Youtube. You need to get un...
by wander
Fri Apr 14, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: which tv and size to buy
Replies: 41
Views: 3768

Re: which tv and size to buy

selftalk wrote:what size tv should I consider?

It should fit smaller than a 29 inch TV. Some TVs have thicker bezels so you want to check physical dimension to be sure.
by wander
Fri Apr 14, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: How often should I contribute to my taxable account?
Replies: 23
Views: 2718

Re: How often should I contribute to my taxable account?

I contribute it automatically every month.
by wander
Fri Apr 14, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Age when you started to max out your retirement accounts?
Replies: 177
Views: 24645

Re: Age when you started to max out your retirement accounts?

I say: start to work early then you can go home early. I started maxing my retirement accounts in my late 20s hoping that I would stop worrying about work a little earlier than my peers.
by wander
Fri Apr 14, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Windows 10 upgrade, now legacy software doesn't work
Replies: 35
Views: 2586

Re: Windows 10 upgrade, now legacy software doesn't work

I upgraded from Win 7 to Win 10 a few months ago and It screwed my computer up. I rolled it back quickly to Win 7 and never looked back. I will keep using Win 7 unless some specific program requires me to upgrade my OS. So far, the only new software I need to install yearly is Turbo Tax, if it requi...
by wander
Fri Apr 14, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Car Breaks Down on Long Road Trip
Replies: 55
Views: 4493

Re: Car Breaks Down on Long Road Trip

Glad this is an investment forum. Even though this is under the "Personal Consumer Issues" category, isn't all this discussion about managing risk? As you can see from my earlier posts, for longer trips, I am a rental car advocate. Those that aren't and think they are okay because they ha...
by wander
Fri Apr 14, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: Where to start - converting from generator/UPS to more reasonable solar / powerwall?
Replies: 70
Views: 5157

Re: Where to start - converting from generator/UPS to more reasonable solar / powerwall?

I think if it was me, I would fix the current system. If it is beyond repair, then I would just remove it. My reason actually relates to my location and situation. I did not lose electricity for a long time and the worst was about 4 hours. I did install battery backup power in my house but only used...
by wander
Thu Apr 13, 2017 2:36 am
Forum: Personal Finance (Not Investing)
Topic: How do I know if I am filing my taxes correctly?
Replies: 39
Views: 2754

Re: How do I know if I am filing my taxes correctly?

Hmmm, how do I know? I double check that all the forms are entered and also ask my wife to go over it once more independently.
by wander
Wed Apr 12, 2017 4:59 pm
Forum: Investing - Theory, News & General
Topic: What rate of return do you use when planning for retirement?
Replies: 178
Views: 22314

Re: What rate of return do you use when planning for retirement?

I use 8% and so far it is not far off my projected goal.
by wander
Wed Apr 12, 2017 4:46 pm
Forum: Personal Consumer Issues
Topic: Car Breaks Down on Long Road Trip
Replies: 55
Views: 4493

Re: Car Breaks Down on Long Road Trip

It happened to us while we were still 100+ to the destination. It was almost mid night so I had the car towed to the hotel. Next morning, I bought a few tools and a new alternator. It took me the whole morning to finish the job but everything was fine after that. I think it depends on a lot of facto...
by wander
Fri Apr 07, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 68
Views: 5430

Re: What online bank do you use?

If you need medallion signature for Vanguard forms, B&M bank becomes very handy. I have online bank accounts but still keep my B&M bank account for such cases.
by wander
Fri Apr 07, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: Anyone use Verizon wireless prepaid for cell phones???
Replies: 36
Views: 2432

Re: Anyone use Verizon wireless prepaid for cell phones???

Im' saying that regardless of what that maps says, where live here in the mountains AT&T and Sprint are not worth having. Sprint is really, really bad. AT&T is just really bad. Verizon is thumbs up. There is an entire town about 40 miles from here that only has Verizon. It depends on how fa...
by wander
Fri Apr 07, 2017 6:06 pm
Forum: Personal Consumer Issues
Topic: Anyone use Verizon wireless prepaid for cell phones???
Replies: 36
Views: 2432

Re: Anyone use Verizon wireless prepaid for cell phones???

I bought a brand new Verizon phone at Apple store, ordered a SIM card from puppy wireless and got it working on puppy wireless (using Verizon network) without any hiccup. Folks at puppy wireless always get back to me quickly whenever I submit a ticket. I heard there were some customer service issue ...
by wander
Wed Apr 05, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: Buying expensive car, how to keep payments low?
Replies: 149
Views: 8458

Re: Buying expensive car, how to keep payments low?

How about this: Suppose the new Honda Accord is about $27k and you have $40k available, you can put down $40k and then make payment with smaller amount as buying a Honda Accord. :sharebeer
by wander
Wed Apr 05, 2017 6:07 am
Forum: Personal Finance (Not Investing)
Topic: Some Credit Cards Make You Spend More?
Replies: 69
Views: 3897

Re: Some Credit Cards Make You Spend More?

Alexa9 wrote:4% back on gas: Road trip!

I have a 5% cash back on fuel but it does not make me to drive any more than paying fuel with cash.
by wander
Tue Apr 04, 2017 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Saving 50% of salary; what does it really mean?
Replies: 142
Views: 10467

Re: Saving 50% of salary; what does it really mean?

I would say the 50% of gross income: $18,000 + $18,000 (401k) + $5,500 + $5,500 (Roth IRA) + $6750 (HSA) is not impossible for a couple earning $107,500 annually if the couple lives in small house, no debt or house is already paid off.
by wander
Sat Apr 01, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 8567

Re: What career helped you become wealthy?

Better careers can get you better financial life than average people. But if you want to be very wealthy, you are better luck in stock market or have successful business.
by wander
Fri Mar 31, 2017 10:55 pm
Forum: Personal Consumer Issues
Topic: What's your personal criteria for deciding whether or not to rent a car?
Replies: 102
Views: 4202

Re: What's your personal criteria for deciding whether or not to rent a car?

When i take a flight, I have no choice but to rent a car at the destination. For other times, I would drive my car. I prefer to drive my cars (doesn't matter old or new).
by wander
Fri Mar 31, 2017 5:55 am
Forum: Personal Consumer Issues
Topic: Keep two cars for one person to drive
Replies: 34
Views: 2461

Re: Keep two cars for one person to drive

Why not sell the Tacoma, and buy a used, high-mileage full-size pickup? You could probably find one in decent shape for around $10,000, and if you sold your Tacoma for $20,000 you'd come out well ahead. 2011 Tacoma is a already used pickup. I think Op is doing just fine financially with either sell...
by wander
Fri Mar 24, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Honda Transmission Service
Replies: 45
Views: 2906

Re: Honda Transmission Service

"Not sure what you mean by "completely different". Regardless of designs, mostly all transmissions run with fluid and need to cool it by routing to transmission cooler. For Honda, just un-clip the return rubber tube from trans cooler and flush the fluid completely. Same technique wit...
by wander
Fri Mar 24, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Honda Transmission Service
Replies: 45
Views: 2906

Re: Honda Transmission Service

"I think flushing transmission technique is the same for Honda, Toyota or Nissan. What makes you think Honda is different?" I do not know if Toyota's or Nissans are the same or not as I have no experiences with them. Based upon what I have read about their transmissions (especially Nissan...
by wander
Fri Mar 24, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Honda Transmission Service
Replies: 45
Views: 2906

Re: Honda Transmission Service

"I flushed transmission fluid on my cars. It is safe, but you must know how to do it properly otherwise it may become a disaster. I wouldn't let people perform the work on my car." So have I - but we are talking specifically about Honda cars and their trans in this post. I think flushing ...
by wander
Fri Mar 24, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Honda Transmission Service
Replies: 45
Views: 2906

Re: Honda Transmission Service

I flushed transmission fluid on my cars. It is safe, but you must know how to do it properly otherwise it may become a disaster. I wouldn't let people perform the work on my car. Like other posters mentioned: you should used Honda transmission fluid (get from Honda dealers), and never let anyone do ...
by wander
Wed Mar 22, 2017 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 102
Views: 5498

Re: Vehicles as a percentage of net worth

If I am going to buy a $50k, after 30 years, it will be worth (for example) $zero. I wouldn't count it as net worth. I generally buy new car and drive it into the ground. The net worth proponents in this discussion are talking about their net worth excluding the vehicle in many cases. By that metri...
by wander
Wed Mar 22, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 102
Views: 5498

Re: Vehicles as a percentage of net worth

So as long as your net worth is > $5 Million, you'll fit in fine in this thread. Full disclosure: net worth, including your principal residence, is not the best metric that matters for a repeating consumable such as a vehicle. Annualized expenditure compared to annual income is the better metric......
by wander
Wed Mar 22, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 102
Views: 5498

Re: Vehicles as a percentage of net worth

I too don't consider cars as net worth. I buy one when I need. The new car will be less than 50k.
by wander
Tue Mar 21, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Any downside in buying a brand new house ?
Replies: 71
Views: 4976

Re: Any downside in buying a brand new house ?

A friend of mine bought a new house a year ago. Once, he wondered why one of his room was too hot than the others and there was no air coming out from the vent. He found out that the vent was installed, the duct was on the other side in the attic, but the hole was still not cut yet.
by wander
Tue Mar 21, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 51
Views: 3400

Re: Do I need new tires?

Usually, I'd like to keep the car as long as I can, but I do not save money on tires. It's a safety and the cost is only a few hundred dollars. I think it's time for you to get new tires.
by wander
Tue Mar 21, 2017 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Loan for First Time Homebuyer
Replies: 32
Views: 1027

Re: TSP Loan for First Time Homebuyer

If you can max out your TSP and make payment to the TSP loan, then I don't see any problem getting a loan from TSP at all.
by wander
Sun Mar 19, 2017 1:45 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 17637

Re: Sitting on cash....Waiting for a crash

From the day this post was originally post until today, my portfolio gives 2% gain.
by wander
Wed Mar 15, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Looking at refurbished desktop PCs
Replies: 25
Views: 1545

Re: Looking at refurbished desktop PCs

I will skip Lenovo PCs. It's been known for pre-installing the dangerous SuperFish (spy software) adware. Don't know what else they have been doing lately.
by wander
Wed Mar 15, 2017 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 101
Views: 10735

Re: Early Retirement - what to do about healthcare?

I am in the same boat with posters who advise to retire in countries that have affordable healthcare. I do not plan to retire early but that seems like a better solution.
by wander
Tue Mar 14, 2017 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: When should you replace a vehicle?
Replies: 52
Views: 4267

Re: When should you replace a vehicle?

jayhawkerbeef wrote:Forever, unless the cost of repair greatly outweighs the cost of buying another one, in the meantime, save up for when that time occurs.

+1. Mine is almost 400k but I have not thought of giving it up yet. If you take care of it well, it will take care of you.
by wander
Tue Mar 14, 2017 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Did I Buy Too Much Home?!?!?!
Replies: 42
Views: 4528

Re: Did I Buy Too Much Home?!?!?!

If you chopped a zero off your numbers and were talking about someone with $60,000 in income who was buying a $190,000 house with a 20% down payment it would look more like a bit of a stretch but not too unreasonable. That type of analysis doesn't really apply IMO. If OP spends 30% of his income on...
by wander
Sat Mar 11, 2017 7:39 pm
Forum: Investing - Theory, News & General
Topic: Anyone sorry they used bonds when starting out
Replies: 94
Views: 7036

Re: Anyone sorry they used bonds when starting out

No, I do not feel sorry for having bonds at all. I started with a small percentage of bonds and increase it regularly so I can avoid the feeling part in the transition.
by wander
Fri Mar 10, 2017 6:08 pm
Forum: Personal Consumer Issues
Topic: Use cellphone tethering instead of home internet?
Replies: 24
Views: 1617

Re: Use cellphone tethering instead of home internet?

misterno wrote:The only problem I had was my cellphone which is HTC ONE M7, got really hot because it was tethering watching a movie on Samsung pad.

You can try to run the cellphone with direct charge cable without battery and turn off cellphone display when charging.
by wander
Wed Mar 08, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Any Car experts - Honda Odyssey question
Replies: 22
Views: 1492

Re: Any Car experts - Honda Odyssey question

I change it when it gets to zero. It's just a number. If it is so smart, then why do I have to reset it manually after done changing the oil?
by wander
Mon Mar 06, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on food in a year?
Replies: 155
Views: 7412

Re: How much do you spend on food in a year?

$11,000 is enough food for 5 persons per year IMO. At least, that's our case.
by wander
Sun Mar 05, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 3576

Re: Where do you order checks from?

Personally in this day and age of ID theft, I prefer if no third party has any information about me, when avoidable. My bank already has my acct #, I prefer to buy the checks from them. When I order the checks would last for many years, since I rarely use them, so saving $15-20 is not worth any ext...
by wander
Sun Mar 05, 2017 5:11 am
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 3576

Re: Where do you order checks from?

Many years ago, I used a company advertised on Penny Saver. They printed 200 of good quality checks for a few dollars. Now, I get free checks from banks.
by wander
Fri Mar 03, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: When & how much to donate?
Replies: 94
Views: 5356

Re: When & how much to donate?

I think it is nice that you are thinking about helping other people with donation. You can donate money or time and talent. You can always start small and increase more as time goes. How you give has more value than how much you give. Churches provide weekly financial reports. You can visit website ...
by wander
Fri Mar 03, 2017 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Please tell me if I should be doing anything different.
Replies: 12
Views: 963

Re: Please tell me if I should be doing anything different.

raptor001 wrote:We are about to start funding a Roth for 5500 each a year. I was thinking same SP500 index fund.

With your income, I think you may not be qualified for RothIRA.
Read this link
by wander
Wed Mar 01, 2017 12:28 pm
Forum: Investing - Theory, News & General
Topic: Fidelity drops equity trade fee to $4.95
Replies: 63
Views: 4993

Re: Fidelity drops equity trade fee to $4.95

We're talking Merrill Edge. That's a great discount brokerage. Do you have to park $25,000 cash in a bank account to be qualified for the 30 free trades a month? If that is the case, then I rather invest elsewhere because I only need to trade a few times a year and the $25k can give me better retur...
by wander
Wed Mar 01, 2017 7:04 am
Forum: Investing - Theory, News & General
Topic: Fidelity drops equity trade fee to $4.95
Replies: 63
Views: 4993

Re: Fidelity drops equity trade fee to $4.95

We're talking Merrill Edge. That's a great discount brokerage. Do you have to park $25,000 cash in a bank account to be qualified for the 30 free trades a month? If that is the case, then I rather invest elsewhere because I only need to trade a few times a year and the $25k can give me better retur...
by wander
Wed Mar 01, 2017 5:57 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 5299

Re: Don't pay full price for cable TV

I got rid of the cable so I do not pay any price for cable. However, I buy internet from cable company as my only option for home internet. The cost of internet increases annually and I cannot do anything about it. I will wait for the price of wireless hotspot to go down to switch and forget all abo...
by wander
Tue Feb 28, 2017 1:36 pm
Forum: Investing - Theory, News & General
Topic: Fidelity drops equity trade fee to $4.95
Replies: 63
Views: 4993

Re: Fidelity drops equity trade fee to $4.95

It's good for investors. But, I don't think it help me much since I enjoy 100 free trade at WF.
by wander
Tue Feb 28, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: New cars or Pool?
Replies: 65
Views: 4606

I can live without a pool

I need a car to get around. Car is my legs. Pool is a nice thing to have, not needed. If you have to decide between the two choices, it means your cars are running fine for now. I would keep money in your pockets for your upcoming car purchase. My sister and her husband decided to get rid of their p...
by wander
Sun Feb 26, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: Do Boglehead DIY or Pay a Professional?
Replies: 95
Views: 7516

Re: Do Boglehead DIY or Pay a Professional?

I think I am capable of doing almost everything in/out our house so far.
by wander
Sun Feb 26, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: Used German Luxury vs New Japanese
Replies: 89
Views: 7602

Re: Used German Luxury vs New Japanese

I will pick Japanese cars.

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