Search found 2696 matches

by wander
Fri Apr 19, 2019 6:39 pm
Forum: Personal Investments
Topic: Can we retire yet? And other related questions...
Replies: 15
Views: 1086

Re: Can we retire yet? And other related questions...

It's an easy YES. Congratulations!
by wander
Wed Apr 17, 2019 4:46 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 90
Views: 6373

Re: Luxury car recommendations?

vu8 wrote:
Wed Apr 17, 2019 4:16 pm
Lexus Lexus Lexus. If you like sedans, then lexus LS. if you like suvs, then lexus lx. Stay away from the German money pits
+1. I am driving a 20+ year LS and it is still quiet, reliable and powerful. When it's time to upgrade, I will get another LS.
by wander
Fri Apr 12, 2019 2:20 pm
Forum: Personal Consumer Issues
Topic: Soon to be dad, how to prepare
Replies: 126
Views: 5689

Re: Soon to be dad, how to prepare

You care to ask for opinion. Sounds like you are a decent man and will be a good dad.
by wander
Fri Mar 22, 2019 9:24 am
Forum: Personal Consumer Issues
Topic: Old Laptop - Keeps Freezing - Help!
Replies: 21
Views: 1065

Re: Old Laptop - Keeps Freezing - Help!

Check the CPU fan, it maybe too hot.
by wander
Fri Mar 22, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: Vacation Home: Own vs. Rent??
Replies: 42
Views: 3351

Re: Vacation Home: Own vs. Rent??

I would rent.
by wander
Fri Mar 22, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Being a Boglehead and car enthusiast stinks
Replies: 72
Views: 4382

Re: Being a Boglehead and car enthusiast stinks

Being Boglehead also means to delay your car enthusiast feeling. Later, once you are done saving and have enough money for your rainy days, you can drive car like no-one else.
by wander
Fri Mar 22, 2019 8:18 am
Forum: Investing - Theory, News & General
Topic: The $4,026,858.95 Car or a Worry-Free Retirement?
Replies: 245
Views: 11461

Re: The $4,026,858.95 Car or a Worry-Free Retirement?

I drive inexpensive car but not sure how much probability that I will have $4,026,858.95 when retire.
by wander
Fri Mar 22, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: When your responsibility to your children ends?
Replies: 76
Views: 6873

Re: When your responsibility to your children ends?

My answer is never but it seems to align with others' as many people want to leave money behind for their children when they pass. Leave large sum of money behind for someone else rather than their children will make news.
by wander
Fri Mar 22, 2019 6:43 am
Forum: Personal Consumer Issues
Topic: When is it time for a new smartphone?
Replies: 66
Views: 3890

Re: When is it time for a new smartphone?

UTgrad wrote:
Wed Mar 20, 2019 9:36 pm
...while its still working, I’m starting to deal with issues such as extremely decreased battery life and an annoying pink line going down one side of the phone.
I would replace it today because of the annoying pink line. You don't need a top of the line phone, a Moto G7 should be good enough.
by wander
Tue Mar 19, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: Better to Donate Time or Money To Charity?
Replies: 37
Views: 1320

Re: Better to Donate Time or Money To Charity?

munemaker wrote:
Tue Mar 19, 2019 8:40 am
Whatever you have to offer. They generally need both.
+1.
by wander
Tue Mar 19, 2019 10:07 am
Forum: Personal Investments
Topic: How to get over a $25K stock market loss?
Replies: 125
Views: 10096

Re: How to get over a $25K stock market loss?

Op, don't worry. People learn from their mistakes. You will do better next time.
by wander
Sun Mar 17, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: What's Your Opinion on Nest Thermostats
Replies: 62
Views: 4828

Re: What's Your Opinion on Nest Thermostats

My Nest Thermostat is a 2nd gen. It works just fine.
by wander
Sun Mar 17, 2019 4:55 pm
Forum: Personal Consumer Issues
Topic: Paris - Is It Safe?
Replies: 143
Views: 8632

Re: Paris - Is It Safe?

I feel safe in Paris. Again, it's common sense to not make yourself a target, anywhere.
by wander
Sat Mar 16, 2019 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: How many companies have you worked for?
Replies: 125
Views: 6209

Re: How many companies have you worked for?

3 before colleges. After graduation, I have been working for one company for last 25 years.
by wander
Sat Mar 16, 2019 4:04 pm
Forum: Personal Investments
Topic: Vanguard PRIMECAP and Capital Opportunity
Replies: 59
Views: 5403

Re: Vanguard PRIMECAP and Capital Opportunity

Since these funds are also offered through brokerage accounts and you can get them for free, what is a big deal of getting them through Vanguard?
by wander
Sat Mar 16, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 126
Views: 7621

Re: Tesla Model Y

I am happy with my car and won't plan to buy any Tesla soon.
by wander
Sat Mar 16, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: Smoking tire/wheel/brake one week after wheel alignment
Replies: 24
Views: 1350

Re: Smoking tire/wheel/brake one week after wheel alignment

Bring it to my house, I will let you know what's wrong. :D I want to help you but I cannot give you a bunch of guesses.
by wander
Sat Mar 16, 2019 3:51 pm
Forum: Personal Investments
Topic: The case for 100% equities
Replies: 199
Views: 12605

Re: The case for 100% equities

I am not saying I want to go 100% equities, I am trying to investigate if I should or shouldn't... as I said I am on the fence about it. If you're on the fence about it, then you probably shouldn't do it. It takes real conviction to hold on to an equity portfolio through something like 2008. This i...
by wander
Wed Mar 13, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: Buying a used car for LA
Replies: 25
Views: 1677

Re: Buying a used car for LA

Get a hybrid so you can take advantage of the HOV lane. Besides, it helps a lot with gas is around over $4 per gallon (regular) Only specific cars qualify for using the HOV lanes with a single passenger. Make sure you check first. Of course, the Op must check the list first. But it is worth it if y...
by wander
Wed Mar 13, 2019 8:50 am
Forum: Personal Consumer Issues
Topic: Buying a used car for LA
Replies: 25
Views: 1677

Re: Buying a used car for LA

Get a hybrid so you can take advantage of the HOV lane. Besides, it helps a lot with gas is around over $4 per gallon (regular)
by wander
Sat Mar 09, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Airline travel and economy: pay $$ to pick seats
Replies: 116
Views: 7406

Re: Airline travel and economy: pay $$ to pick seats

If you have kids don't risk it. There is no guarantee. Unless maybe you beg an attendant at the gate on check in. My wife and I chose the economy and they assigned us two middle seats on check in. We could not change online without paying a fee. By the time we got to the gate all the seats were alr...
by wander
Fri Mar 08, 2019 9:45 pm
Forum: Investing - Theory, News & General
Topic: Charles Schwab Experiences?
Replies: 101
Views: 16755

Re: Charles Schwab Experiences?

I used Schwab from day one when they first offered the investor checking service. The interface was simple and responsive. Lately, they updated to different look and it became worse and worse. It seemed the original designers who knew what to do have retired and let new less experience & skill guys ...
by wander
Sun Mar 03, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: Best quality car - Lexus?
Replies: 56
Views: 6181

Re: Best quality car - Lexus?

There is no such thing is best quality.
by wander
Thu Feb 28, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: Car Navigation System Update
Replies: 36
Views: 1999

Re: Car Navigation System Update

Get a stereo with Apple and Android plays. You will get bigger screen with up-to-date maps.
by wander
Thu Feb 28, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: Experience with Apple Pay?
Replies: 71
Views: 6417

Re: Experience with Apple Pay?

Do you have to unlock the phone and navigate to/open a particular app to pay with Apple Pay? Or do you just pull out the phone and put it next to the sensor? Usually, I don't login to use Apple pay. Instead, I use any finger, which I don't use to login the phone, to tap twice on the home button and...
by wander
Wed Feb 27, 2019 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Charges/Refund received/Dentist
Replies: 29
Views: 1433

Re: HSA Charges/Refund received/Dentist

My first question is why are you paying for medical costs with an HSA? The HSA is a dream retirement vehicle. Pretax money goes in, money grows tax free, and in retirement, use the money tax free to pay for medical expenses (which we all will have). That triple tax benefit makes the HSA more desira...
by wander
Wed Feb 27, 2019 9:08 am
Forum: Personal Investments
Topic: Moving from Fidelity to Edward Jones
Replies: 26
Views: 3111

Re: Moving from Fidelity to Edward Jones

Op, when I read your thread, I thought you were doing the opposite.
by wander
Thu Feb 21, 2019 11:37 pm
Forum: Personal Investments
Topic: Should I keep money in TSP long term?
Replies: 66
Views: 2890

Re: Should I keep money in TSP long term?

Why do you want to waste your money on a Financial advisor?
by wander
Thu Feb 21, 2019 11:03 pm
Forum: Personal Consumer Issues
Topic: Do you tip the guys at Home Depot?
Replies: 80
Views: 5018

Re: Do you tip the guys at Home Depot?

No, say thank you should be good enough. I once went to a Home Depot store, and while walking toward the door I saw a customer and two Home Depot employees were loading a compact tractor onto a truck. It went up and down but could not get onto the truck bed and seemed like they did bite off more tha...
by wander
Wed Feb 20, 2019 6:41 pm
Forum: US Chapters
Topic: Do you discuss BH philosophy with others?
Replies: 66
Views: 3200

Re: Do you discuss BH philosophy with others?

No. Once my brother-in-law asked me to help him investing but my spouse warned me not to do so. The fear was: if things go well, it's his gain; if things go South, we could be blamed.
by wander
Wed Feb 20, 2019 5:20 am
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 149
Views: 9384

Re: Do others dislike Vanguard's new website as much as me?

I have no problem with Vanguard at all. It just works. I like it shows me at the right spot how much I has contributed to IRA so far for this year and last year. That makes the contribution so simple and straight forward.
by wander
Mon Feb 18, 2019 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block vs TurboTax (spoiler: HRB is awful)
Replies: 88
Views: 10192

Re: H&R Block vs TurboTax (spoiler: HRB is awful)

livesoft wrote:
Mon Feb 18, 2019 6:18 pm
wander wrote:
Mon Feb 18, 2019 6:00 pm
Fortunately, I did some TLHs in 2018 at WellsTrade. That's the only firm I have 1099-B.
Me, too. I like how the WF 1099-B gives one a summary for each of LT and ST, so one doesn't have to enter but a few numbers.
Thanks livesoft. That's the way I should do then.
by wander
Mon Feb 18, 2019 6:21 pm
Forum: Personal Consumer Issues
Topic: Wife filled our gas engine car with diesel fuel
Replies: 111
Views: 11420

Re: Wife filled our gas engine car with diesel fuel

spectec wrote:
Mon Feb 18, 2019 11:25 am
Here's a pretty good explanation:

https://www.cartalk.com/blogs/dear-car- ... el-gas-car
If it were me, I would have it fixed and tried to sell it first thing. I don't care what people study it, the car will never be the same.
by wander
Mon Feb 18, 2019 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block vs TurboTax (spoiler: HRB is awful)
Replies: 88
Views: 10192

Re: H&R Block vs TurboTax (spoiler: HRB is awful)

H&R Block does not support import tax form from Wells Fargo Advisors. Turbo tax does support this. Maybe that's a positive? At least in the sense of a Thaler Nudge. After all, wouldn't that feature nudge you to simple 1099-DIV and 1099-INT forms along with no 1099-B because you made no trades? I kn...
by wander
Sun Feb 17, 2019 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block vs TurboTax (spoiler: HRB is awful)
Replies: 88
Views: 10192

Re: H&R Block vs TurboTax (spoiler: HRB is awful)

H&R Block does not support import tax form from Wells Fargo Advisors. Turbo tax does support this.
by wander
Fri Feb 15, 2019 4:56 pm
Forum: Investing - Theory, News & General
Topic: Why is 401k maxing preferred over taxable?
Replies: 79
Views: 6316

Re: Why is 401k maxing preferred over taxable?

It may be easier to demonstrate how traditional 401k and Roth 401k come out equally if the effective tax rates are the same before and after retirement, because it is trivially obvious to see how a Roth 401k is better than a taxable account. You can find some of livesoft’s posts about this. The pos...
by wander
Fri Feb 15, 2019 3:12 pm
Forum: Investing - Theory, News & General
Topic: Why is 401k maxing preferred over taxable?
Replies: 79
Views: 6316

Re: Why is 401k maxing preferred over taxable?

Let me calculate some numbers. Someone please correct me as needed. Assume you are at top income level at 37% so anything you take now will pay 37% tax. The number is $10000. If you contribute to an IRA, you will delay paying tax to your retirement. So, your balance is $10,000 to start an IRA. After...
by wander
Sun Feb 10, 2019 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Did you investigate your partner's financial background before committing?
Replies: 99
Views: 5750

Re: Did you investigate your partner's financial background before committing?

No. We have shared checking ,saving, brokerage accounts. Financial life is clear on the first day of marriage.
by wander
Sat Feb 09, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: 2 years in community college, then transfer? need opinion please
Replies: 118
Views: 5629

Re: 2 years in community college, then transfer? need opinion please

Not sure about UT but I went to CC in California and transferred to UC without any problem as long you have good GPA. Another option is ROTC.
by wander
Sat Feb 09, 2019 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Buying house with son [and his girlfriend]
Replies: 169
Views: 5750

Re: Buying house with son [and his girlfriend]

I would not do it My reason is very simple: when things go smooth, it is fine, when thing goes sour you will potentially lose your son. I would do it if I think it is a gift that I can lose it without blinking my eyes. And even if I can lose the money, I rather give it to my son than to end of with ...
by wander
Thu Feb 07, 2019 2:51 pm
Forum: Personal Investments
Topic: Can I retire now?
Replies: 32
Views: 6417

Re: Can I retire now?

2500000×.035 = 87.5k So, yes - with your wife's salary and health care benefits, you are more than set. Even without that you could make it work if you controlled expenses. My only suggestion is that if you decide to FIRE, then go with a more aggressive AA for the portfolio. Perhaps a rising equity...
by wander
Thu Feb 07, 2019 12:59 pm
Forum: Personal Consumer Issues
Topic: Laptops - swapping hard drives
Replies: 18
Views: 755

Re: Laptops - swapping hard drives

I believe you misstated above. If you "move" HDD from laptop A to laptop B, it won't work. If you clone, it will. Note that in addition to a license key, Windows installs drivers particular to a given machine. Those drivers likely won't be the same on laptop B, so again cloning, or a clean install,...
by wander
Thu Feb 07, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Laptops - swapping hard drives
Replies: 18
Views: 755

Re: Laptops - swapping hard drives

I swapped my laptop HDD with Crucial SSD a few months ago. Everything went smoothly with their clone software. No activation was required. If you have an external HDD available, clone the laptop HDDs and you are good. SSD is rather cheap nowadays, I would recommend to buy a new SSD and upgrade your ...
by wander
Thu Feb 07, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: Laptops - swapping hard drives
Replies: 18
Views: 755

Re: Laptops - swapping hard drives

Does MS Windows product key (license) tie to a motherboard, CPU, hard drive, etc.? Do I need to reinstall windows? Both windows are activated. Would there be any other issues? Yes. As far I understand it, If you clone HDD from one laptop for another, MS will complain. But if you clone the HDD and s...
by wander
Wed Feb 06, 2019 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 44
Views: 8169

Re: Best cash-back credit card right now?

Penfed Power Cash Rewards Visa Signature Card
2% rebate, unlimited. $100 credit for first $1500 spent in 90 days.
by wander
Wed Feb 06, 2019 5:59 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Pro Activation Keys [Inexpensive keys for sale]
Replies: 21
Views: 1985

Re: Windows 10 Pro Activation Keys

elderwise wrote:
Wed Feb 06, 2019 5:53 pm
Those are leaked msdn or volume license keys most likely will eventually be blocked by Microsoft for update or you will get the notification you are running counterfeit version.
This could be the case.
by wander
Wed Feb 06, 2019 11:00 am
Forum: Investing - Theory, News & General
Topic: If you are old, why bother with rebalancing!!?
Replies: 114
Views: 7806

Re: If you are old, why bother with rebalancing!!?

This is different than our plan. We will transfer everything into a balanced fund when we retire and quit looking at the portfolio regularly.
by wander
Wed Feb 06, 2019 10:11 am
Forum: Personal Consumer Issues
Topic: Should I get a rear dashcam to deal with tailgaters?
Replies: 50
Views: 2087

Re: Should I get a rear dashcam to deal with tailgaters?

I will rather move to the right lane and let them pass me. But I am not going to let them making me getting speeding tickets and only change lanes when it is safe to do so, so be patience. Some states only allow left lane for passing. Some other states require drivers to move to the right lanes when...
by wander
Tue Feb 05, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Make Comment on Facebook Private
Replies: 15
Views: 1112

Re: Make Comment on Facebook Private

It is known that Facebook analyze people’s messages for advertising relevant products ... There is no such thing is private on Facebook. For something that is private, I rather use the the phone.
by wander
Sun Feb 03, 2019 8:59 pm
Forum: Personal Consumer Issues
Topic: Mazda Miata as Daily Commute Fun Car?
Replies: 94
Views: 4892

Re: Mazda Miata as Daily Commute Fun Car?

I would buy a Corolla for commute. Is it a fun car? I don't know, but it comes with a long list of standard convenience and safety feature, and the adaptive cruise control is one of the better features that I will weigh when buying a car.