Search found 1941 matches

by wander
Tue May 03, 2016 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo - Transfer Fees
Replies: 11
Views: 963

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: 58
Views: 4441

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: 5344

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: 4550

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...
by wander
Tue Apr 26, 2016 10:07 pm
Forum: Personal Consumer Issues
Topic: Honda Accord or Subaru Legacy
Replies: 51
Views: 2811

Re: Honda Accord or Subaru Legacy

For me, it is an easy decision: Honda Accord.
by wander
Wed Apr 20, 2016 5:42 am
Forum: Personal Finance (Not Investing)
Topic: Progressive or Geico?
Replies: 37
Views: 2659

Re: Progressive or Geico?

I think you should shop around every six or twelve months. I left GEICO for Progressive for better rate and then went back to GEICO when Progressive increased cost. Surprise, I got better rate at GEICO than when I left. Insurance companies are accustomed to increase their costs (I guess for inflatio...
by wander
Wed Apr 20, 2016 4:50 am
Forum: Personal Finance (Not Investing)
Topic: Why am I still scared ? Is it actually normal ?
Replies: 59
Views: 6571

Re: Why am I still scared ? Is it actually normal ?

I wouldn't say scare, but it is okay to feel insecurity. I once had that feeling, but when our portfolio grows to a point that we don't need to keep thinking too much about nickle and dime anymore.
by wander
Mon Apr 18, 2016 6:46 pm
Forum: Personal Consumer Issues
Topic: How To Stay Motivated in Employment When You Might Have Enough?
Replies: 71
Views: 7963

Re: How To Stay Motivated in Employment When You Might Have Enough?

You can always give back more to the communities. Giving makes you happy, at least many people know/feel that.
by wander
Sun Apr 17, 2016 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Mail, CertifyMail or Fedex my tax return and payment?
Replies: 26
Views: 1690

Re: Mail, CertifyMail or Fedex my tax return and payment?

Federal efile was included with Turbo tax purchase. I mailed state forms to the comptroller with a forever stamp since it charged $25 for efiling.
by wander
Fri Apr 15, 2016 6:21 am
Forum: Investing - Help with Personal Investments
Topic: Am I saving too much cash?
Replies: 21
Views: 2182

Re: Am I saving too much cash?

JeepDaze wrote:Here is my current situation:

401k: max out every year ($18,500)

You can only contribute up to $18,000.
by wander
Fri Apr 15, 2016 6:08 am
Forum: Personal Consumer Issues
Topic: My neighborhood is too quiet (and no kids)
Replies: 44
Views: 4624

Re: My neighborhood is too quiet (and no kids)

Your community is similar some retirement communities I have visited. I did see cars, but no-one was outside. I guessed they respected your privacy. By the way, you may know thousands of friends, but you only need few closed (real) friends. Quality is better than quantity. And pay attention to sex o...
by wander
Thu Apr 14, 2016 6:29 pm
Forum: Personal Consumer Issues
Topic: Installing AC: Rheem vs. Trane (or other) system
Replies: 28
Views: 2251

Re: Installing AC: Rheem vs. Trane (or other) system

My HVAC guy recommended Trane. He told me that he rarely got called for service from Trane's owners.
by wander
Thu Apr 14, 2016 2:59 am
Forum: Personal Consumer Issues
Topic: Van vibration problem - any car experts?
Replies: 14
Views: 745

Re: Van vibration problem - any car experts?

You are so right! How much money to put in this van is the problem!! I feel like changing the wheels which are partly worn and see what happens! But the mechanics keep guessing what can be repaired but not guarantee it will fix the problem. You need another mechanic. This is the kind of problem tha...
by wander
Thu Apr 14, 2016 12:28 am
Forum: Personal Finance (Not Investing)
Topic: When was the most stressful financial time in your life?
Replies: 94
Views: 10269

Re: When was the most stressful financial time in your life?

I once carried $10,000 balance credit card. It took me a long time to pay it off. Lesson learned.
by wander
Thu Apr 14, 2016 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Should I bother itemizing tax deductions?
Replies: 70
Views: 7351

Re: Should I bother itemizing tax deductions?

Turbo tax has recommended me to use standard deduction after all the information I entered, and I am fine with that. I used to itemize but my mortgage is now paid off.
by wander
Tue Apr 12, 2016 10:03 pm
Forum: Personal Consumer Issues
Topic: Preventative car maintenance?
Replies: 38
Views: 4055

Re: Preventative car maintenance?

I am for don't break don't fix. Below is my list of preventive car maintenance: - Engine oil change - Transmission fluid change (with filter) - Brake change, when it makes noise - Timing belt & water pump: every 100k (While I am at it, I replace camshaft and crankshaft seals) - belts: 100k (with...
by wander
Tue Apr 12, 2016 8:33 am
Forum: Personal Consumer Issues
Topic: How to use iPhone 5S in Europe on wifi only?
Replies: 28
Views: 2082

Re: How to use iPhone 5S in Europe on wifi only?

If you use Wifi only, you can call any telephone in the world with skype or Rebtel. VPN is a good idea to secure your data.
by wander
Mon Apr 11, 2016 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire early
Replies: 29
Views: 5695

Re: Can I retire early

I don't see why you cannot retire 10 years from now. You have enough money.
by wander
Mon Apr 11, 2016 6:57 pm
Forum: Personal Consumer Issues
Topic: Wifi Booster
Replies: 22
Views: 1495

Re: Wifi Booster

Yes, for some reason powerline can be very unpredictable. Some places it works great, others not (for no obvious reason). I get about 120mb end to end through mine - more than enough for our purposes. I bought a pair of powerline by ZyXEL. They work for a few months then became intermittent. Powerl...
by wander
Sun Apr 10, 2016 9:01 pm
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 6275

Re: led vs cfl

cfl performance is terrible. I bought a large number of cfl bulbs to replace all lights in my house. But then, one by one starts to fail way shorter than advertised. OTOH, LEDs are very good. None of my LED bulbs fails so far.
by wander
Sun Apr 10, 2016 6:35 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 526
Views: 57844

Re: Free Windows 10 Upgrade, Yes or No?

I do think my computer works fine with Windows 7 and rather leave it that way.
by wander
Sun Apr 10, 2016 6:33 pm
Forum: Personal Consumer Issues
Topic: Free old BMW worth it?
Replies: 44
Views: 4409

Re: Free old BMW worth it?

blinx77 wrote:... The catch is it has been in an accident and they are getting rid of it because of the hassle and cost of repairs. ...
For this, I am out. :sharebeer
by wander
Fri Apr 08, 2016 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Buying a new car
Replies: 56
Views: 5934

Re: Buying a new car

Interesting thread! I will revisit when I will be in market for a new car.
by wander
Sun Apr 03, 2016 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Should we use tax refund to pay off car ?
Replies: 15
Views: 1239

Re: Should we use tax refund to pay off car ?

Yes, pay off the car. And then change your withholding so you don't get such a large refund next year. Then put that money into your savings and investments instead of loaning it to Uncle Sam for a year. +1. Normally, my tax refund is around $100, can only pay off one month worth of electric bill. ...
by wander
Thu Mar 31, 2016 8:52 pm
Forum: Personal Consumer Issues
Topic: How long can I drive my car that needs repairs?
Replies: 22
Views: 1594

Re: How long can I drive my car that needs repairs?

Sorry, this is terrible advice. Strut and bushing failures absolutely do affect handling. Here's a somewhat extreme example. The question for the original poster is not whether suspension failures affect handling/safety, but whether the shop is telling the truth that the parts are worn out. If inde...
by wander
Wed Mar 30, 2016 10:31 pm
Forum: Personal Consumer Issues
Topic: How long can I drive my car that needs repairs?
Replies: 22
Views: 1594

Re: How long can I drive my car that needs repairs?

I have a 19 year old Nissan. I would say the strut and bushing are not safety: struts and bushing failures cause discomfort but they have nothing to do with steering and braking. Agree with previous thread that you should replace Oxygen sensor, but if you don't care about mpg or OBD error codes, you...
by wander
Mon Mar 28, 2016 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Financially, how have you done/doing vs. your parents?
Replies: 134
Views: 10479

Re: Financially, how have you done/doing vs. your parents?

My parents were way more successful. They owned business and were among few richest people in our town.
by wander
Wed Mar 23, 2016 11:54 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 17910

Re: Tesla Model 3 anyone?

You might be surprised. On full AutoPilot, driving the Tesla in commute traffic is much more relaxing, since it does all the stop and go or slow and go without you having to touch any pedal, and barely touch the steering wheel. Using AP in traffic makes driving in traffic kind of fun. Kevin Do you ...
by wander
Tue Mar 22, 2016 10:48 am
Forum: Personal Consumer Issues
Topic: Repair old car or buy new? A car illiterate needs some help
Replies: 40
Views: 2881

Re: Repair old car or buy new? A car illiterate needs some help

Civic with that mileage is just getting broken in. Were it my car, I definitely would keep it, but I am DIY, I enjoy working on and maintaining my cars. Given your income, savings, and how you feel about cars, there is no question in my mind that you should just buy a new, reliable car, like a Civi...
by wander
Mon Mar 21, 2016 9:16 pm
Forum: Personal Consumer Issues
Topic: Project Fi experience? [WiFi from Google]
Replies: 42
Views: 5814

Re: Project Fi experience? [WiFi from Google]

It seems project Fi reviews is still not perfect. I would say AT&T and Verizon still have upper hands on coverage. I traveled to one of the small cities in Iowa and only Verizon worked there. I was not sure about AT&T and Sprint, but T-Mobile was out of luck. I change carrier quite often, bu...
by wander
Sun Mar 06, 2016 2:04 pm
Forum: Personal Consumer Issues
Topic: DSLR recommendations for photos of young kids
Replies: 32
Views: 1713

Re: DSLR recommendations for photos of young kids

The 50 mm 1.4 on 60D is equivalent to 80 mm due to the 1.6 crop factor. Mostly your kid is nearby. I would suggest to use something like 16-35 mm lens and find out if you improve the sharpness. Distance from the camera to the object affects depth of field, the farther away from the object, with same...
by wander
Sat Mar 05, 2016 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Does everyone really need to save $1 million for retirement?
Replies: 225
Views: 29134

Re: Does everyone really need to save $1 million for retirement?

$1 mil works fine with us. If it is not enough then we will adjust our living style for the situation. Instead of taking expensive vacations in Europe, we will settle with vacation in the backyard. Instead of hiring personal chef, we cook our food ... It's not big of a deal. Living is important. How...
by wander
Sat Mar 05, 2016 10:53 am
Forum: Investing - Theory, News & General
Topic: Maxing Roth 401K vs Trad 401K
Replies: 47
Views: 4038

Re: Maxing Roth 401K vs Trad 401K

BAM! wrote:Let's say:
doesn't it always make sense to choose the Roth 401k?

No, not always. I also have both Roth & Traditional 401k options but I only contribute to traditional 401k for tax reason.
by wander
Tue Feb 23, 2016 7:26 pm
Forum: Personal Consumer Issues
Topic: What kind of car do you drive? [Looking for new car]
Replies: 126
Views: 5974

Re: What kind of car do you drive?

This thread sounds familiar. :sharebeer
by wander
Tue Feb 23, 2016 7:22 pm
Forum: Personal Consumer Issues
Topic: Cell phone question
Replies: 23
Views: 1870

Re: Cell phone question

rec7 wrote:Right now I don't own a cell phone. I did not find a need for one. I am thinking about getting one with a 500MB plan. All I would do is banking, email and check the weather. Is 500MB a month enough?

Yes, 500 MB is enough. But usually, people start small and then have the needs for more.
by wander
Thu Feb 18, 2016 6:15 pm
Forum: Personal Consumer Issues
Topic: Leave Thermostat Alone or Adjust It?
Replies: 81
Views: 5259

Re: Leave Thermostat Alone or Adjust It?

We keep it at 73 when we are at home and 68 while sleeping.
by wander
Tue Feb 16, 2016 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: When to expect 1099-DIV from Vanguard?
Replies: 17
Views: 1078

Re: When to expect 1099-DIV from Vanguard?

Taco Knight wrote:Hi all,
However, after Jan 31 passed, I called Vanguard and was told I should expect my 1099-DIV/INT in "mid February". Does anyone know when that actually might be?

I download my Vanguard 1099-DIV form on January 30.
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: 839

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: 1830

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: 3967

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: 3055

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: 2637

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: 2313

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: 3543

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: 222
Views: 14316

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: 3515

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: 3543

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: 3543

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: 1610

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...

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