Search found 2189 matches

by wander
Fri Jun 23, 2017 6:24 am
Forum: Personal Consumer Issues
Topic: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]
Replies: 57
Views: 4056

Re: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]

That doesn't seem unreasonable to me. Parts are a tad on the high side, but that's typical for a dealer. Labor is about what I'd expect. At some point, you may want to buy the other three coilpacks (online) and replace them yourself. The entire job shouldn't take more than 10 minutes, including the...
by wander
Thu Jun 22, 2017 8:07 am
Forum: Personal Finance (Not Investing)
Topic: What insurance company has the best coverage for auto, renters, and umbrella?
Replies: 28
Views: 2107

Re: What insurance company has the best coverage for auto, renters, and umbrella?

After switching between insurance companies, GEICO gave me better deal on auto insurance.
by wander
Wed Jun 14, 2017 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: Bought $31K Stocks Today: Am I Mad?
Replies: 32
Views: 3560

Re: Bought $31K Stocks Today: Am I Mad?

On the contrary, I am selling stocks to re-balance my portfolio.
by wander
Tue Jun 13, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: Watch Batteries
Replies: 53
Views: 2293

Re: Watch Batteries

I got a Citizen eco-drive watch. This technology is pretty cool as the watch is just like a regular watch without any solar plate. Indoor ambient light is more than enough. I have to adjust the calendar for months with 28, 29, and 30 days. It seems off a few seconds but I use the above events to adj...
by wander
Sat Jun 10, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 7479

Re: What Do You Pay for an Oil Change?

Best is to do it by yourself. If you cannot do it yourself, take it to a trusted mechanic (I heard story of people had to replace the oil pan because the oil plug was over torqued). Make friend with that trusted mechanic because he will save you a lot of headache later on. :sharebeer
by wander
Sat Jun 10, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 5220

Re: Used 2013 Audi A5 or New Honda Accord Sport

I will pick Audi if I want to show off to somebody, but in this case there is nothing to show off because it is a used Audi. On the other hand, I will pick a Honda for reliability. Yes, it maybe boring for a lot of people but it is fine with me. Cars are just transportation mean. Indexing is is bori...
by wander
Sat Jun 10, 2017 8:43 am
Forum: Investing - Help with Personal Investments
Topic: How to divide investments for early retirement
Replies: 16
Views: 1998

Re: How to divide investments for early retirement

aristotelian wrote:
You can't do Traditional IRA's and Roth IRA's at the same time. It's one or the other.

Unless the law changes that I am not aware of, you can do both, as long the total contribution is not higher than allowable limit.
by wander
Sat Jun 03, 2017 10:13 pm
Forum: Investing - Theory, News & General
Topic: Does anyone treat taxable as a "someday fund"?
Replies: 86
Views: 5963

Re: Does anyone treat taxable as a "someday fund"?

I treat my taxable account as part of our total portfolio and currently 100% stocks so when I sell stocks in taxable I then sell bonds and buy stocks in tax deferred accounts. You don't have to hold bond in taxable account at all. Again, this may not work if you intend to draw down enough of your t...
by wander
Sat Jun 03, 2017 12:44 pm
Forum: Investing - Theory, News & General
Topic: Does anyone treat taxable as a "someday fund"?
Replies: 86
Views: 5963

Re: Does anyone treat taxable as a "someday fund"?

I treat my taxable account as part of our total portfolio and currently 100% stocks so when I sell stocks in taxable I then sell bonds and buy stocks in tax deferred accounts. You don't have to hold bond in taxable account at all. Again, this may not work if you intend to draw down enough of your t...
by wander
Fri Jun 02, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Do I deserve it? [A new car]
Replies: 69
Views: 5199

Re: Do I deserve it? [A new car]

I would buy new reliable car and keep it forever if you can. I bought my car out of college and keep it for 20+ years. It saves me a lot of money over time and I plan to keep it until I retire. So let me get this straight: - You bought a new car right after college, it's now 20+ years old - You pla...
by wander
Fri Jun 02, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: Do I deserve it? [A new car]
Replies: 69
Views: 5199

Re: Do I deserve it? [A new car]

I would buy new reliable car and keep it forever if you can. I bought my car out of college and keep it for 20+ years. It saves me a lot of money over time and I plan to keep it until I retire.
by wander
Fri Jun 02, 2017 7:04 am
Forum: Investing - Theory, News & General
Topic: Does anyone treat taxable as a "someday fund"?
Replies: 86
Views: 5963

Re: Does anyone treat taxable as a "someday fund"?

Taxable investment is always a someday fund. You have extra money after maxing out all tax-deferred options then the better option is investing in the market than leaving it in a saving account. My main goal for someday fund is to retire early, then new cars ... I treat my taxable account as part of...
by wander
Tue May 23, 2017 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 114
Views: 14979

Re: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)

So once you structure an actual withdrawal plan in retirement, you will find out a very large constraint on how much you can spend in the short-term is the need to reserve enough money for the long-term. And you don't know long the long-term will be, nor the inflation rate, nor what returns will lo...
by wander
Tue May 23, 2017 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 114
Views: 14979

Re: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)

Suppose I have saved a lot of money and am ready to retire. The amount of SS does not affect me much so I do not need to wait until 70 to collect big checks, instead I will take SS money at 62 and spend it without thinking too much about the differences between getting it at 62 and 70. I see it fro...
by wander
Mon May 22, 2017 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 114
Views: 14979

Re: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)

Suppose I have saved a lot of money and am ready to retire. The amount of SS does not affect me much so I do not need to wait until 70 to collect big checks, instead I will take SS money at 62 and spend it without thinking too much about the differences between getting it at 62 and 70.
by wander
Tue May 16, 2017 10:22 pm
Forum: Personal Consumer Issues
Topic: Help convince me it's okay (or not): new vehicle
Replies: 30
Views: 2621

Re: Help convince me it's okay (or not): new vehicle

Colorado13 wrote:Driving on mountain roads (while not something I do often) is painful because the car has no power.

I would replace it for this reason.
by wander
Mon May 15, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]
Replies: 57
Views: 4056

Re: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]

wilked wrote:what was the code(s)?

+1. I was going to ask the same thing. Before someone can help you, it is fair to know what error codes that the computer is giving first otherwise it is just like throwing darts.
by wander
Sun May 14, 2017 12:41 am
Forum: Personal Consumer Issues
Topic: Tipping at All Inclusive Resort?
Replies: 67
Views: 5113

Re: Tipping at All Inclusive Resort?

I tip for quality service.
by wander
Sun May 14, 2017 12:39 am
Forum: Investing - Help with Personal Investments
Topic: Why would anyone buy a condo (from an investment standpoint)
Replies: 43
Views: 6828

Re: Why would anyone buy a condo (from an investment standpoint)

I buy a condo because I want to make sure that I do not have to move if the landlord decides to raise the rent; feel settle; affordable (easy to pay off quickly and live rent free); don't have to worry about landscape or yard work; someone else (not me) removes snow.
by wander
Fri May 05, 2017 3:57 am
Forum: Personal Finance (Not Investing)
Topic: Medallion Signature for Vanguard Trust
Replies: 29
Views: 2295

Re: Medallion Signature for Vanguard Trust

UncleBen wrote:I get mine at my credit union. Always helpful and accommodating.

+1. CU is my best option to get medallion signature.
by wander
Wed May 03, 2017 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 18477

Re: Buying a luxury car (how dumb would it be to do this?)

I say "go for it". With your income/saving level, you can afford it.
by wander
Wed May 03, 2017 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Are we (nearly) ready to retire?
Replies: 32
Views: 3265

Re: Are we (nearly) ready to retire?

Most early retirees are worried about health coverage. Just make sure you are well covered. You never know when you need it.
by wander
Sat Apr 29, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Car maintenance for older cars - where do you go ?
Replies: 52
Views: 3819

Re: Car maintenance for older cars - where do you go ?

sk.dolcevita wrote:For those who do their own maintenance: what do you do to raise your car sufficiently and safely? Any particular product you can recommend?

I use ramps.
by wander
Sat Apr 29, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 12156

Re: Will cars be autonomous in three years?

I think I am confident to sit in an autonomous car driving at 55 mph or lower, but for high speed or in mountain areas, I rather trust my driving skill. :sharebeer
by wander
Sat Apr 29, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Car maintenance for older cars - where do you go ?
Replies: 52
Views: 3819

Re: Car maintenance for older cars - where do you go ?

$78 for oil change at the dealer is not too expensive. I pay almost $40 for synthetic oil + filter and I have to change oil myself. The reason I change it is because I know I do not mistakenly pour in regular for synthetic oil or over-torque the oil drain plug.
by wander
Sat Apr 29, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Honda Transmission Service
Replies: 47
Views: 3379

Re: Honda Transmission Service

Interesting the directions this thread has gone. I see there is some polarization of camps, some folks think that every single automatic is differnet, others seem to think that every single manufacturer is the same. In reality there are 4 basic groups of automatics, with minor implementation detail...
by wander
Sat Apr 29, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 12093

Re: Microsoft, I want my computer back!

I once upgraded to Win10 from Win7. My first impression was: What the heck, it suspected my license was not genuine. I was so happy that I were still able to restore Win7. Now, I am a happy Win7 user until it gives up.
by wander
Sat Apr 29, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: When does it make sense to stop paying to repair your old vehicle?
Replies: 56
Views: 4068

Re: When does it make sense to stop paying to repair your old vehicle?

I do not know how much your car's worth right now. My car is also 20+ year of age and I am not going to spend $2,700 for AC/Heater.
by wander
Sat Apr 29, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: Why I'm tempted to fix things myself; it's not about the money
Replies: 38
Views: 3995

Re: Why I'm tempted to fix things myself; it's not about the money

My projects are generally small enough to hire a handyman but usually I would do it myself because I do not want to stand behind a contractor pointing here and there that does not meet my expectation. It's not very much about the money because spending on these small works does not make me poor; It'...
by wander
Thu Apr 20, 2017 6:00 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 37717

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: 2749

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: 3974

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: 2883

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: 25770

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: 2848

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: 4762

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: 5647

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: 3042

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: 23425

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: 4762

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: 6013

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: 2719

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: 2719

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: 9352

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: 4261

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: 11119

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: 9489

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: 4675

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: 2716

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: 47
Views: 3379

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...

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