Search found 2230 matches

by wander
Fri Aug 18, 2017 3:07 am
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 174
Views: 13188

Re: Lost $7000 today in ONE DAY!

YTD, my portfolio is still up around 11%.
by wander
Sun Aug 06, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Bose Noise Cancelling Headphones
Replies: 49
Views: 3662

Re: Bose Noise Cancelling Headphones

I have QC35 as a gift and I really like it a lot. I use it for flight, at work for listening to training videos/audios. Connecting to bluetooth devices sometimes is tricky. Sometimes I could not connect to my Iphone while already disconnected my Ipad/Android phone. The Bose helps a little but eventu...
by wander
Sat Aug 05, 2017 5:03 pm
Forum: Investing - Theory, News & General
Topic: Study: Who Sold Stock During the 2008-9 Crash?
Replies: 85
Views: 7103

Re: Study: Who Sold Stock During the 2008-9 Crash?

I did sell stocks during the time when US market dropped, but only for TLH purpose.
by wander
Thu Aug 03, 2017 11:38 pm
Forum: Personal Consumer Issues
Topic: 2010 Civic AC
Replies: 7
Views: 753

Re: 2010 Civic AC

In my state, it is impossible to drive in summer without AC. Luckily, I've never had problem with Air Conditioner.
by wander
Thu Aug 03, 2017 11:16 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 31
Views: 2627

Re: Cricket Wireless Groups

Currently, Cricket Wireless is offering plan with unlimited voice/text/data for 2 lines for $80 (tax included) a month. I think it is a good deal. Data speed is about 3Mbps but fast enough to watch video.
by wander
Thu Aug 03, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 8145

Re: LED light bulbs

Costco is my store on LED bulbs.
by wander
Thu Aug 03, 2017 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: 85/15 too aggressive at age 35?
Replies: 89
Views: 7849

Re: 85/15 too aggressive at age 35?

At 35, 85/15 is not too aggressive. At your age, my portfolio was 90/10.
by wander
Thu Aug 03, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: Karaoke machine/system for home use
Replies: 6
Views: 615

Re: Karaoke machine/system for home use

Below are a few if you are interested. These systems are not cheap but good. Btw, I am not a fan of karaoke, but I know friends who are willing to spend good money for these stuffs.

Ace Karaoke
Singtronic
by wander
Thu Aug 03, 2017 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: 250k in savings. need some advice and a kick in the butt
Replies: 31
Views: 3393

Re: 250k in savings. need some advice and a kick in the butt

At 35, you should have about 2 times your salary saved in retirement account. You need to save more.
by wander
Thu Aug 03, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: Amazon, eBay, Costco, vs. Walmart?
Replies: 17
Views: 1587

Re: Amazon, eBay, Costco, vs. Walmart?

I ordered online and was promised day and time to pickup. So I went after the promised hour, waited for some time at unattended online pickup counter. Finally, a customer service came, he got the order number, checked on the system then told me that it was not there and he had no idea where it was a...
by wander
Thu Aug 03, 2017 5:42 am
Forum: Personal Finance (Not Investing)
Topic: A poll: How much money do you want to retire?
Replies: 270
Views: 21204

Re: A poll: How much money do you need to retire?

$1.3 million of 2017 dollar at 62 to maintain life style.
by wander
Thu Aug 03, 2017 4:10 am
Forum: Personal Consumer Issues
Topic: Should I spend 5k annually on travel?
Replies: 74
Views: 7206

Re: Should I spend 5k annually on travel?

Enjoy it when you still can. Yes, go for it.
by wander
Mon Jul 31, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: Buying a 2017 Lexus ES 350
Replies: 26
Views: 2439

Re: Buying a 2017 Lexus ES 350

If I am not mistaken, Lexus did not make ES 350 until 2007. Anyway, getting ES 350 is nice upgrade. I would start with Costco auto program services.
by wander
Sun Jul 30, 2017 12:21 am
Forum: Personal Consumer Issues
Topic: What are your monthly expenses?
Replies: 59
Views: 5956

Re: What are your monthly expenses?

Exclude mortgage payment, we spend $2,400 a month.
by wander
Sat Jul 29, 2017 4:26 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford it ? [A new car]
Replies: 95
Views: 6123

Re: Can I afford it ? [A new car]

If your jobs are stable, you can afford it.
by wander
Thu Jul 27, 2017 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Quit my 6-figure job?
Replies: 84
Views: 8848

Re: Should I Quit my 6-figure job?

Your job may be dream job for a lot of people. I would think about family first before switch job b/c my family needs stability.
by wander
Tue Jul 25, 2017 6:47 am
Forum: Personal Finance (Not Investing)
Topic: How am I doing? (dual physician household)
Replies: 45
Views: 5675

Re: How am I doing? (dual physician household)

According to financial experts, you should have around 3 times your annual salary saved for retirement to be on good path to a good retirement. So, it is around $1.65 M. You are more than fine.
by wander
Mon Jul 24, 2017 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 135
Views: 11379

Re: What's your personal savings rate?

I don't calculate my saving rate. We contribute max 401k, Roth IRA and HSA accounts and tend to spend the extra.
by wander
Mon Jul 24, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: Lifetime Tire Alignment
Replies: 35
Views: 2682

Re: Lifetime Tire Alignment

I think they were kidding you. Tires don't need to be aligned. It's been 7.5 years since my vehicle had an alignment, and that was only due to an accident. I'll have it checked when I get new tires, but that's it. I don't think I'd do lifetime alignment. JT I suppose it depends on the roads you dri...
by wander
Mon Jul 24, 2017 7:33 am
Forum: Personal Finance (Not Investing)
Topic: MVNO's versus the Big 4
Replies: 52
Views: 4439

Re: MVNO's versus the Big 4

So, I'm not quite sure why I would want to use Ting or Cricket vs. H2O. They're both more expensive for GSM. For Ting I'm at $28 for 500 minutes talk and 500Mb data and for $25 (with autopay) I get unlimited talk and 1G data on Cricket, which is better than Ting. But for $27 (with autopay) I get un...
by wander
Fri Jul 21, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: MVNO's versus the Big 4
Replies: 52
Views: 4439

Re: MVNO's versus the Big 4

CULater wrote:Same for H20, no taxes or fees added. I pay $27/mo for unlimited voice and 3 gb. data.

I am not sure about H2O. Does your plan stops when it reaches 3GB? Cricket does not stop but data will be slower. Technically, unlimited.
by wander
Thu Jul 20, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: MVNO's versus the Big 4
Replies: 52
Views: 4439

Re: MVNO's versus the Big 4

I use Cricket which is on the AT&T network. Never had an issue with reception anywhere in the US. $35/month with 4 GB data. I also use cricket wireless. It does not have the best coverage for wherever I go (Verizon coverage is the best in my area). However, I still use cricket b/c it is cheaper...
by wander
Sat Jul 15, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Is new car replacement insurance worth it?
Replies: 33
Views: 2112

Re: Is new car replacement insurance worth it?

I would not buy this "car replacement" insurance, but if my wife wants it, then I wouldn't have any problem.
by wander
Thu Jul 13, 2017 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 9758

Re: Do you count vehicle equity in net worth?

No, my current vehicle is not part of my net worth. But if I own a $100k car or super car, then the answer is yes.
by wander
Thu Jul 13, 2017 8:36 pm
Forum: Investing - Theory, News & General
Topic: Do you pay fees to buy funds or ETFs?
Replies: 46
Views: 2917

Re: Do you pay fees to buy funds or ETFs?

I have 100 free trades (mutual funds and ETFs) a year but never use more than 60.
by wander
Thu Jul 13, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 5415

Re: $1368 for new shocks/struts on '05 Corolla?

For my own sanity, I'm probably going to peace out of this thread soon. Sure, you don't HAVE TO do a wheel alignment as evidenced by some here who feel like you never have to replace your shocks or struts. /s I do bring my car to the shop for wheel alignment every time I replace inner our outer tie...
by wander
Thu Jul 13, 2017 8:07 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 5415

Re: $1368 for new shocks/struts on '05 Corolla?

A) Get a second opinion, maybe a free wheel alignment check that may find something off in the chamber or toe, and then get an alignment and a new set of tires only to have this problem happen in another 20K miles where we can revisit all these comments ...or... B) Get new shocks and struts, a whee...
by wander
Wed Jul 12, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Personal loan to a family member
Replies: 114
Views: 6856

Re: Personal loan to a family member

If you don't want to lose a brother/sister, don't let him/her borrow your money. If you let her/him borrow the money, there's a chance you will lose a brother/sister. You may not have problem with losing money but your spouse may have, and it may affect your own relationship. Saying that, I do lend ...
by wander
Tue Jul 11, 2017 11:07 pm
Forum: Personal Consumer Issues
Topic: Donation to Church for wedding?
Replies: 28
Views: 2032

Re: Donation to Church for wedding?

Church Lady wrote:Call the church secretary and ask what is customary for your parish.

Congratulations on your wedding!

I agree with this suggestion. This should be handled by parish secretary and s/he does the scheduling too.
by wander
Tue Jul 11, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 5415

Re: $1368 for new shocks/struts on '05 Corolla?

Inverted Pyramid wrote:Get the full strut assembly Monroe quick strut or kyb strut plus, with full assemblies no need for special tools to compress the springs won't take but a few hours with a jack/stands and basic hand tools. rockauto.com has them for under $120 each and 5% discount codes are very easy to find.

+1.
by wander
Tue Jul 11, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do when you run the numbers and don't like the answer that you get?
Replies: 29
Views: 3471

Re: What do you do when you run the numbers and don't like the answer that you get?

Your options are to work on what is under your control. Cut spending, for example.
by wander
Tue Jul 11, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: After tax check made out from 401k account
Replies: 11
Views: 1234

Re: After tax check made out from 401k account

Why did she get two checks, with one made out to her? Is it the case that this reflects after-tax contributions? Your subject says "after tax" but it's not clear if you meant that taxes were already taken out or if the contributions were already taxed. My wife asked that question also but...
by wander
Mon Jul 10, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: After tax check made out from 401k account
Replies: 11
Views: 1234

Re: After tax check made out from 401k account

rkhusky wrote:The check isn't an RMD, is it?

No, it is not. The company was bought out.
by wander
Sun Jul 09, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Moto G4 Memory
Replies: 10
Views: 772

Re: Moto G4 Memory

You can uninstall apps that you no longer need to free up the memory. Or use some Apps, I use auto memory manager.
by wander
Sun Jul 09, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: After tax check made out from 401k account
Replies: 11
Views: 1234

Re: After tax check made out from 401k account

celia wrote:You are not "giving money away meaninglessly".

I meant the penalty I would have to pay for early withdrawal. With a small amount, going to T-IRA or Roth-IRA does not affect me much.
by wander
Sat Jul 08, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: After tax check made out from 401k account
Replies: 11
Views: 1234

Re: After tax check made out from 401k account

Thanks Alan, there are two checks, the larger one is more straight forward and they will issue to the new custodian. The smaller one was small that we didn't think much about rollover until realizing that we have to pay 10% for early distribution. Although it is not much but still it is money giving...
by wander
Sat Jul 08, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: After tax check made out from 401k account
Replies: 11
Views: 1234

After tax check made out from 401k account

My wife receives a small check of about $500 from her 401k. Per plan representative, tax was taken from it so it was okay to cash or put in a Roth IRA. Since her name is on the check, can she still deposit to her Roth IRA considering her Roth IRA for 2017 has already been maxed out?
by wander
Sat Jul 08, 2017 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 4001

Re: A good VISA card for Gas & Groceries?

I'd have thought supermarket is Target, Walmart, etc. I'm surprised that Stop&Shop qualifies for 3% back in their definition of supermarkets. Below is definition of supermarket I got from dictionary.com for you: a large retail market that sells food and other household goods and that is usually...
by wander
Fri Jul 07, 2017 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 4001

Re: A good VISA card for Gas & Groceries?

I have an old Penfed visa that rebates 5% on every dollar spent on gas. Another one is Priceline visa with 2% rebate on all purchases.
by wander
Fri Jul 07, 2017 7:18 pm
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 4895

Re: Better hurry if you want a gas-engine Volvo

Hybrid is my next car when my current one needs replacement. Currently, I am lucky to drive a car with 400k miles that does not give sign to quit rolling yet. Electric cars are somewhat inconvenient as I often drive cross states and requires recharging often and each takes longer than filling up a t...
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: 65
Views: 5392

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: 35
Views: 3133

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: 3793

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: 2659

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: 8444

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: 5802

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: 2133

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: 6644

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: 6644

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...