Search found 2398 matches

by wander
Thu Apr 19, 2018 6:36 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 188
Views: 18785

Re: How old are you and how much do you save for retirement a year

Max out the retirement accounts and spend the rest: 18500 (401k #1) + 18500 (401k #2) +5500 (Roth IRA #1) + 5500 (Roth IRA #2) + 6850 (HSA) + company match. We plan to retire at 62. If we have extra, we dump it into taxable account but above is the baseline.
by wander
Sat Apr 14, 2018 5:25 am
Forum: Personal Finance (Not Investing)
Topic: When/how did you start teaching your child about personal finance?
Replies: 15
Views: 1085

Re: When/how did you start teaching your child about personal finance?

My parents never taught us about personal finance, but they were always living within their mean and made good decision about their money.
by wander
Sat Apr 14, 2018 4:49 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 330
Views: 21608

Re: Anyone Deleting Facebook?

I deleted my account permanently (I am sure Facebook still stores it somewhere). Facebook only provides a button to deactivate account in the Settings area. Deactivation isn't any different from still having an account. There is a delete option in Help Center. You can try "How to delete account perm...
by wander
Thu Apr 12, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: Best Buy, $3k TV, should I buy warranty?
Replies: 24
Views: 1503

Re: Best Buy, $3k TV, should I buy warranty?

No, you should not buy warranty for a TV. It's a waste of money.
by wander
Thu Apr 12, 2018 5:57 am
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 92
Views: 6437

Re: Passport photo DIY - anyone done it easily?

mickens16 wrote:
Mon Apr 18, 2016 11:30 am
We did ours at Costco. Took all of 5 minutes.
+1. I did it too. Got the pictures after done shopping.
by wander
Wed Apr 11, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: Uber vs Lyft
Replies: 15
Views: 2573

Re: Uber vs Lyft

A few weeks ago, I downloaded both Uber and Lyft apps to get a car. I tried to request Uber 3 times with Apple pay but I got "oops something is wrong" message 3 times. I then requested Lyft and it worked right away. The driver picked me up within a few minutes with name, pictures, car model and lice...
by wander
Wed Apr 11, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 330
Views: 21608

Re: Anyone Deleting Facebook?

Yes, deleted yesterday. Stopped using it 18 months ago. Your account has been deactivated To reactivate your account, log in using your old login email and password. You will be able to use the site like you used to. We hope you come back soon. I imply that it will keep the content forever. Have yo...
by wander
Wed Apr 11, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Would you pay off the student loan or keep the $$$
Replies: 48
Views: 2134

Re: Would you pay off the student loan or keep the $$$

Op, you can sell your current daily car and use either the 2004s for daily and do not need a replacement for it.
by wander
Wed Apr 11, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: Honda reliability slipping?
Replies: 31
Views: 3813

Re: Honda reliability slipping?

I think CR is one thing and how you maintain the car plays an important role as well. For example, I've been driving a Nissan Maxima last 20+ years, and I know Nissan is not a top reliable brand. However, it has reached 390,000 miles without new engine or transmission. My friends say me that I am ju...
by wander
Sun Apr 08, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: H&R and W-2 question
Replies: 3
Views: 216

Re: H&R and W-2 question

Here is TurboTax's answer re Box 12 Code W: "It has already been deducted off your W-2. Code "W" is for both employer paid amounts and amounts that you had taken from your paycheck. Your HSA contributions are taken pre-tax from your paycheck, so it has already been 'deducted' for tax purposes. When...
by wander
Sun Apr 08, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: H&R and W-2 question
Replies: 3
Views: 216

H&R and W-2 question

Hello bogleheads, I am filing my tax but I am confused about HSA deduction. From looking at the W-2, Box-1 shows the total amount = Box-3 - 401k contribution. I contributed $5000 to HSA with my money and this amount shows in box 12 as W-$5000. In addition, I contributed another $250 from bank to mee...
by wander
Fri Apr 06, 2018 10:46 am
Forum: Investing - Theory, News & General
Topic: What can we learn from secret millionaires.
Replies: 93
Views: 16407

Re: What can we learn from secret millionaires.

So who are the millionaires who go around flaunting that they are millionaires? I can think of one Billionaire, but not wanting to be banned, I'll leave it at that. I do know in my own neighborhood, there are people who have 2 Mercedes and a big house who are essentially living paycheck to paycheck...
by wander
Wed Mar 21, 2018 5:06 am
Forum: Personal Finance (Not Investing)
Topic: Can I Retire at 38?
Replies: 118
Views: 12544

Re: Can I Retire at 38?

amitb00 wrote:
Mon Mar 19, 2018 4:31 pm
If job is stressful you can change it.
+1. Every job has its problem. My job is stressful too, but I do not let the job stops me from taking care of my family.
by wander
Fri Mar 16, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: How does everyone here earn so much?
Replies: 131
Views: 7024

Re: How does everyone here earn so much?

No worries OP. I am one of those regular income earners. For me, high or low income has nothing to do with getting where you need to go financially. High income earners may not retire with $200k a year, but low income earners can retire with $50k or lower a year.
by wander
Sat Mar 03, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Do I really need Turbotax premier?
Replies: 48
Views: 10959

Re: TurboTax Deluxe or Premier

TurboTax Deluxe is sufficient for you.
by wander
Sun Feb 25, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block software problem
Replies: 16
Views: 1342

Re: H&R Block software problem

Kenkat wrote:
Sun Feb 25, 2018 6:51 pm
I ran into this same or similar problem. I used TurboTax last year so I imported my information from the PDF that Turbotax created;
That's not the right way to import from TurboTax to H&R Block.
by wander
Sun Feb 25, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 205
Views: 10490

Re: How Far is too Far, Commuting?

30 minutes one way is too far for me.
by wander
Sun Feb 25, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Maxed out 401K and HSA - What's next..?
Replies: 6
Views: 1044

Re: Maxed out 401K and HSA - What's next..?

In your case, I will open a taxable account to invest the rest of your money. With cash in hand, you have option to retire early.
by wander
Sat Feb 24, 2018 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Maxed out 401K and HSA - What's next..?
Replies: 6
Views: 1044

Re: Maxed out 401K and HSA - What's next..?

PhxRising wrote:
Sat Feb 24, 2018 11:31 am
Each bi-weekly paycheck, I'm contributing enough to max out my 401K contribution of $18,500 over the year. I am also maxing out an HSA $6,850/year and have begun investing those funds within the HSA into Vanguard Index funds.
Do you mean $6750 or $6900?
by wander
Wed Feb 21, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: My 2012 Fiat 500 is officially the most dependable car I have ever owned
Replies: 19
Views: 981

Re: My 2012 Fiat 500 is officially the most dependable car I have ever owned

I rather pick any Toyota or Honda over a Fiat 500. I rented it before but didn't like it very much.
by wander
Sat Feb 17, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 83
Views: 12512

Re: Doctor wants Social Security number

I never had problem with not providing my SSN at doctor's or dentist's offices. Just because the SSN line is on the form, it doesn't mean that you have to provide it. Or because people ask you a question, it doesn't mean you always have to answer.
by wander
Fri Feb 16, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 549
Views: 59708

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

livesoft wrote:
Fri Feb 16, 2018 9:57 am
Did you not ask? Did they refuse to grant your wish?
No, I have not sold share yet, but it seems paying is inevitable.
by wander
Fri Feb 16, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 99
Views: 7102

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

If you often have many passengers in your car and afraid that they are not covered in case of accident when other driver does not have insurance or his/her insurance refuses to pay your legitimate claim, then you need this insurance. I personally do not have this insurance and do not feel there is a...
by wander
Fri Feb 16, 2018 9:43 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 549
Views: 59708

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Not nice, they trap me into free Vanguard ETFs and now charge when I sell them. They should have advertised "50% discount".
by wander
Thu Feb 15, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 119
Views: 10715

Re: Honda vs. Toyota: Which has more bang for the buck?

I think this is not a good topic to compare the two very good brands.
by wander
Thu Feb 15, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 7089

Re: PSA: Bank of America now charges $12/month for checking

What's the upside of using BoA over your local credit union? (legit question) If you travel a lot and need to get cash from an ATM machine and you bank with BofA, it's easier to find local BofA than your local credit union away from home. But I think many credit unions offer free ATM within their n...
by wander
Thu Feb 15, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 7089

Re: PSA: Bank of America now charges $12/month for checking

ImUrHuckleberry wrote:
Wed Feb 14, 2018 9:00 pm
You don't need to go inside a bank to use a bank.
I thought so too but Vanguard sometimes requires medallion signature and getting this free service from the bank is very handy.
by wander
Thu Feb 15, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 7089

Re: PSA: Bank of America now charges $12/month for checking

finite_difference wrote:
Wed Feb 14, 2018 11:26 pm
I thought Wells Fargo took over that role :twisted:
Somehow, I always have good experience with Wells Fargo. I mostly do online banking with the bank but we have to come to one of its branches once or twice a year for some transactions that can only be taken care by a teller.
by wander
Sun Feb 11, 2018 10:45 pm
Forum: Personal Consumer Issues
Topic: Does it ever make sense to buy a new car?
Replies: 103
Views: 6964

Re: Does it ever make sense to buy a new car?

Buy a new nice car that you want to keep for a long time. I bought my car new and still drive it today after 22 years. I don't care much about resale value.
by wander
Tue Feb 06, 2018 4:02 am
Forum: Personal Consumer Issues
Topic: Washer/Dryer longevity ?
Replies: 69
Views: 6082

Re: Washer/Dryer longevity ?

I have a washer/dryer set for 20+ years. It seems old enough and I would buy a new one when it happens.
by wander
Mon Feb 05, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Internet Speed 15Mbps okay ?
Replies: 27
Views: 2026

Re: Internet Speed 15Mbps okay ?

15Mbps can handle Netflix easily up to HD movies. But, I think Netflix recommends 25 Mbps for Ultra HD contents. You can always try and switch back to higher speed if it does not work for you.
by wander
Mon Feb 05, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: New car - how much can we afford?
Replies: 78
Views: 5891

Re: New car - how much can we afford?

Op, you have good salary and are good with saving. You can afford any regular car you want and even some luxury models. For 1 - 2 kids, I think a full size sedan is more than enough for whole family; With 3 kids, I prefer a minivan than full size SUV but it's personal choice.
by wander
Thu Jan 25, 2018 12:27 am
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 8923

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

I don't remember when I got the phone but I am still using Iphone 5S. I replaced the battery 2nd time recently because the battery I replaced 6 months ago failed. I have no plan to replace it now.
by wander
Thu Jan 25, 2018 12:17 am
Forum: Investing - Help with Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 6262

Re: Your bond allocation when you were 48

At 48, 75/25 (Stock/Bond).
by wander
Wed Jan 24, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 16635

Re: Dear wife quits job and now we are down to 1 income

I don't know about you but $5.5k a month expense is quite high and easy to cut it down if you try.
by wander
Mon Jan 22, 2018 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Pull back on retirement saving to increase savings for kids' college?
Replies: 31
Views: 2515

Re: Pull back on retirement saving to increase savings for kids' college?

I wouldn't be worried too much on saving for kid's college. With your current saving amount and contribution, in 20 years, you will have more than enough money to pay for your kid's education whichever school they go.
by wander
Sat Jan 20, 2018 11:00 pm
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 88
Views: 5987

Re: Post Your Morningstar Box Style

V C G
L 17 16 14
M 09 10 09
S 08 09 08
by wander
Sat Jan 20, 2018 1:07 am
Forum: Personal Consumer Issues
Topic: Buying a car? [Need help with strategy for purchasing a used car]
Replies: 40
Views: 4456

Re: Buying a car?

If you don't care about look, you can have the shop replaced the radiator, front bumper and lights. They can do that for less than $1000. Don't bring it to auto body shop, but to an auto repair shop instead and let them know your intention.
by wander
Thu Jan 18, 2018 11:52 pm
Forum: Personal Consumer Issues
Topic: How do you adjust side mirrors in a car?
Replies: 61
Views: 3764

Re: How do you adjust side mirrors in a car?

I don't understand why many cars change lane very close to the front of my car and I have to hit the brake to slow down to maintain safe distance but they seem don't notice. I guess they change lane using only mirror. There is a notice on many mirrors "Objects in mirror are closer than they appear."
by wander
Thu Jan 18, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Premium gas at BJ's for Mercedes
Replies: 42
Views: 2228

Re: Premium gas at BJ's for Mercedes

I have been filling up gas at BJs. Never had a problem.
by wander
Thu Jan 18, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: How do you adjust side mirrors in a car?
Replies: 61
Views: 3764

Re: How do you adjust side mirrors in a car?

Sitting in my driver seat, I cannot see blind spot on side mirror and I am not trying to see. I attached a 2" blind spot mirror and call it a day. Your way is fine, my way is fine too.
by wander
Thu Jan 18, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: How will or might nonprofits be affected by tax law changes?
Replies: 36
Views: 1939

Re: How will or might nonprofits be affected by tax law changes?

I can't speak for everyone, but the change in standard deduction does not reduce the amount we give yearly.
by wander
Wed Jan 17, 2018 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 401k Loan?
Replies: 43
Views: 2236

Re: Take a 401k Loan?

I would not borrow money from 401k nor max out the 401k contribution. I would just contribute up to company match and no more after that then use the extra money to pay the debt.
by wander
Wed Jan 17, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: How to overcome the fear of spending money? (Buying a car)
Replies: 55
Views: 3968

Re: How to overcome the fear of spending money? (Buying a car)

If you can afford it and pay with cash, then go ahead with the purchase.
by wander
Wed Jan 17, 2018 11:02 pm
Forum: Personal Consumer Issues
Topic: Car/Motorcycle Jump Starter?
Replies: 17
Views: 845

Re: Car/Motorcycle Jump Starter?

emanuel_v19 wrote:
Wed Jan 17, 2018 10:04 pm
wander wrote:
Wed Jan 17, 2018 7:07 pm
I bought one for all of my cars at Costco. It has no problem starting up my V8.
Do you happen to know which model it was?
Yes, the model is PSX3. I've used it for about 3 years and it is still working fine.
by wander
Wed Jan 17, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA - GEHA Contribution Question for 2018
Replies: 2
Views: 313

Re: New HSA - GEHA Contribution Question for 2018

Jb11 wrote:
Wed Jan 17, 2018 5:00 pm
does that mean that this year I can deposit an extra $125 to make up for the fact that they didn’t deposit anything in January 2018,
No, they will contribute that $125 in 2019 for 2018.
by wander
Wed Jan 17, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: Car/Motorcycle Jump Starter?
Replies: 17
Views: 845

Re: Car/Motorcycle Jump Starter?

I bought one for all of my cars at Costco. It has no problem starting up my V8.
by wander
Mon Jan 15, 2018 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: pay off 401k loan or not?
Replies: 17
Views: 1441

Re: pay off 401k loan or not?

Check with the firm that is taking care of your 401k. I used to borrow money from my 401k account and quit the job, I was able to readjust and instead of taking money from my paycheck, the firm takes money from my checking account. Early withdrawal issue never was a problem.
by wander
Mon Jan 15, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: Selling one owner car. Give new owner service records?
Replies: 15
Views: 1289

Re: Selling one owner car. Give new owner service records?

gypsyman wrote:
Mon Jan 15, 2018 9:32 pm
When I sell it and advertise these facts, do I let they new owner view the service copies or give the copies to them? Any potential issues by letting them have the records?
Giving car history record is a great news for the new owner.
by wander
Mon Jan 15, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 53
Views: 5038

Re: A "Home" cell phone?

I'd like to call home because my spouse's phone is often muted. The landline phone will ring.