Search found 2750 matches

by wander
Thu Oct 17, 2019 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity DAF--how to minimize fees
Replies: 19
Views: 1432

Re: Fidelity DAF--how to minimize fees

We have just started. $100 is well worth it.
by wander
Sun Oct 13, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: Should I sell or keep my 5 year old depreciated Tesla
Replies: 89
Views: 7210

Re: Should I sell or keep my 5 year old depreciated Tesla

I may sell the Tesla for Honda Civic Type R. But a Honda? No way.
by wander
Sun Oct 06, 2019 10:46 pm
Forum: Personal Consumer Issues
Topic: Adding middle name to SSN and Passport
Replies: 17
Views: 1673

Re: Adding middle name to SSN and Passport

How did she get foreign passport issued with a name that was not on her birth certificate and had apparently not been legally changed either there or in US? Many people, when naturalize to become US Citizen, still hold on to their birth countries' passport. Doing that, whenever they visit their bir...
by wander
Sun Oct 06, 2019 10:32 pm
Forum: Personal Consumer Issues
Topic: replacing Smoke Detectors (not just batteries)
Replies: 30
Views: 1819

Re: replacing Smoke Detectors (not just batteries)

My wired smoke detector has been working for the last 20+ years. I bought a battery smoke detector two years but it never worked. I bought it because it had good rating on Amazon. Well, it was a waste of money. I even burned a cloth underneath of the battery smoke detector but it kept silence. The w...
by wander
Sat Oct 05, 2019 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: DAF for church offering? [Donor Advised Fund]
Replies: 81
Views: 9902

Re: DAF for church offering? [Donor Advised Fund]

Thanks all for your replies. I like your ideas and will write a note on the pledge card. If someone contacts us later to remind about the missing gifts, we will correct it with the treasurer.
by wander
Sat Oct 05, 2019 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: DAF for church offering? [Donor Advised Fund]
Replies: 81
Views: 9902

Re: DAF for church offering? [Donor Advised Fund]

This thread is a little old but I don't think that I need a new thread for just one question. For the pledge at your church, how do you identify yourself and the DAF fund so the church won't come after you when you pledge with your name and the fund comes out from family fund?
by wander
Sat Oct 05, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: Would or should you tip AAA road assistance?
Replies: 67
Views: 4508

Re: Would or should you tip AAA road assistance?

I think tips are personal choices. If you want to give money to somebody, it is absolutely fine. However, if you don't give, that's fine too. If giving makes you happier, then by all mean do it. :D
by wander
Fri Oct 04, 2019 10:35 pm
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 15110

Re: How many are switching from Fidelity?

RoAG wrote:
Fri Oct 04, 2019 10:15 pm
anyone know if commision free is being applied to hsa and ira accounts as well or just the brokerage accounts?
Yes, TD offers $0 commission for trading stocks & ETFs in HSA account.
by wander
Tue Oct 01, 2019 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Car price ratio to NW
Replies: 140
Views: 8945

Re: Car price ratio to NW

StealthRabbit wrote:
Tue Oct 01, 2019 6:19 pm
My car is 0.001% of my net worth (And I have a very small NW)
You know that if your car is $10, the 0.001% translates to a NW of $1,000,000, don't you? A $1,000,000 is not very small at all and where can you find a $10 car? :D
by wander
Tue Oct 01, 2019 5:03 am
Forum: Personal Consumer Issues
Topic: 2010 Honda Accord - loud?
Replies: 31
Views: 2397

Re: 2010 Honda Accord - loud?

Diagnose car noise problem without the car is like throwing darts.
by wander
Sun Sep 29, 2019 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Do you know what your partner spends money on?
Replies: 80
Views: 6138

Re: Do you know what your partner spends money on?

We have shared credit cards, checking account and my spouse has some department store cards but I have access to electronic bills. Never have any problem. We don't even care about allowance. Just live normal, spend normal. No crazy spending by the way. Some months I spend more, some months my spouse...
by wander
Sun Sep 29, 2019 6:10 pm
Forum: Personal Consumer Issues
Topic: Going to a wedding party
Replies: 48
Views: 4133

Re: Going to a wedding party

Not sure if it is applicable in this case since different ethnic groups will have different traditions. One thing I am sure that most (maybe 99.99%) Asian American weddings are accustomed to accept checks as gift at the weddings. How much a gift is very much up to the guests. If the Op has already s...
by wander
Sun Sep 29, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: Beyond Meat Burger? Do you like?
Replies: 119
Views: 8851

Re: Beyond Meat Burger? Do you like?

I tried the impossible burger. It was okay but we will get a real burger next time.
by wander
Fri Sep 20, 2019 7:08 am
Forum: Personal Consumer Issues
Topic: $2k repairs on $12K car
Replies: 81
Views: 4985

Re: $2k repairs on $12K car

Those repairs should not get closed to $2k.
by wander
Fri Sep 20, 2019 7:07 am
Forum: Personal Consumer Issues
Topic: moving retired/elderly parents to soCal? sane or insane?
Replies: 29
Views: 2348

Re: moving retired/elderly parents to soCal? sane or insane?

I think you should not move them. I relate to my parents, they rather want to stay where they are familiar with. I think moving away from where they are used may affect their minds.
by wander
Tue Sep 10, 2019 9:17 pm
Forum: Personal Consumer Issues
Topic: Costco washer/dryer delivery: tipping?
Replies: 54
Views: 3956

Re: Costco washer/dryer delivery: tipping?

Costco pays its employees well. I wonder why I need to tip the delivery men.
by wander
Fri Sep 06, 2019 7:58 am
Forum: Non-US Investing
Topic: Keep new house unoccupied or let sibling mind it rent free? [ex-pat in UAE]
Replies: 31
Views: 2713

Re: Keep new house unoccupied or let sibling mind it rent free?b

We are happy to leave the house vacant and gradually fit it out so that when we relocate it is 100% ready for us to live there. My parents live an hour away and are willing to monitor it, open windows etc on a weekly basis. If you are worried to ask on this forum, I think you rather leave it to you...
by wander
Fri Aug 09, 2019 10:10 am
Forum: Personal Finance (Not Investing)
Topic: How I use I-ORP, and who shouldn't
Replies: 159
Views: 24138

Re: How I use I-ORP, and who shouldn't

I tried this calculator a few times, but the reports did not show anything about IRA2Roth. In the input parameters, it shows "IRA2Roth 0 Maximum IRA to Roth IRA Conversions." Does it mean IRA to Roth conversion is not applicable in my case? Using https://i-orp.com/DI/extended.html, what option did ...
by wander
Fri Aug 09, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: How I use I-ORP, and who shouldn't
Replies: 159
Views: 24138

Re: How I use I-ORP, and who shouldn't

I tried this calculator a few times, but the reports did not show anything about IRA2Roth. In the input parameters, it shows "IRA2Roth 0 Maximum IRA to Roth IRA Conversions." Does it mean IRA to Roth conversion is not applicable in my case?
by wander
Wed Aug 07, 2019 6:11 am
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 11253

Re: Insane to buy a sports car?

misterg wrote:
Fri Aug 02, 2019 12:04 pm
2020 Corvette Stingray (~$80k)
I would wait a year to see how these cars perform then decide. That's my take on every new gen.
by wander
Thu Aug 01, 2019 9:47 pm
Forum: Personal Consumer Issues
Topic: Are all models of Toyota generally considered reliable?
Replies: 52
Views: 5072

Re: Are all models of Toyota generally considered reliable?

Summit111 wrote:
Thu Aug 01, 2019 8:56 pm
We have two Toyota’s...

2001 Tacoma 3,001,000 miles...purchased new...no problems still going strong
3 Million miles? Wow. My car is running well at 400k, I thought it was a lot.
by wander
Thu Aug 01, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: How do you decide what car to buy for your kid
Replies: 91
Views: 4103

Re: How do you decide what car to buy for your kid

Your kids are lucky. Nobody gave me a car. I earned to buy my first one ($4,200).
by wander
Thu Aug 01, 2019 8:53 pm
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 7486

Re: Do you buy the highest trim car ?

I'd like to with base. Less things to fail.
by wander
Thu Aug 01, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: Acura RDX vs Audi Q5
Replies: 93
Views: 8598

Re: Acura RDX vs Audi Q5

I am an owner of a V-6 2016 RDX and have had this car for over a year. I bought it to replace a 2014 Suburu Forester XT Turbo which I replaced after it blew the engine at 18,000 miles. I love the RDX. Very good handling, quiet and one of the few models in that size that still had a V6 engine. In 20...
by wander
Fri Jul 26, 2019 6:50 am
Forum: Personal Finance (Not Investing)
Topic: How do you move past old financial mistakes?
Replies: 57
Views: 4994

Re: How do you move past old financial mistakes?

It happened in the past. Something that I never look back.
by wander
Fri Jul 19, 2019 7:32 pm
Forum: Personal Investments
Topic: If you had $1M to invest what would you do?
Replies: 26
Views: 3096

Re: If you had $1M to invest what would you do?

Bigt3142 wrote:
Fri Jul 19, 2019 4:08 pm
You are basically asking if you can time the market, if you have enough money. :oops:

If you have money to invest your answer should be the same wither it's $1 or $1M.
I wouldn't bother thinking about investing if I have only $1. :sharebeer
by wander
Thu Jul 18, 2019 6:43 am
Forum: Personal Investments
Topic: How exactly does maxing a 401k work when you're approaching the limit line?
Replies: 27
Views: 2226

Re: How exactly does maxing a 401k work when you're approaching the limit line?

generally, your payroll person will stop the deduction at the max; they do this all the time. Check with HR. Yes, I get that. But in my example above, are they spliting the last $200 or not? No, they aren't. Once you hit the max, the remaining $100 would go into your paycheck, minus deductions of c...
by wander
Tue Jul 02, 2019 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: How much should I have saved for retirement by age 40?
Replies: 111
Views: 18578

Re: How much should I have saved for retirement by age 40?

If you can pay off your house and have no debt of any kind by 40, you are in good shape to save for retirement.
by wander
Mon Jul 01, 2019 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 21559

Re: Do you share your net worth with family members?

I don’t see why I need to share info with anyone especially my in-laws. They are so nice and think we don’t have money so they always plan to visit us and always give us lots frozen foods (special kind, home made) when we visit them. I told them many times that we are doing well but it seemed to mak...
by wander
Thu Jun 27, 2019 6:05 am
Forum: Personal Consumer Issues
Topic: Tire Pressure Monitoring System failed: Replace or Ignore?
Replies: 88
Views: 5243

Re: Tire Pressure Monitoring System failed: Replace or Ignore?

Yes, I would replace it (or them, one by one as needed) as I don't want to see the warning light everyday.
by wander
Fri Jun 21, 2019 7:45 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy cars?
Replies: 111
Views: 17107

Re: How do Bogleheads buy cars?

Bought a Toyota for $3000 from a friend and have been driving for 50k miles. Thinking about making another 150k miles. Great deal.
by wander
Thu Jun 20, 2019 4:39 pm
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 7118

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

You have already got a family of your own. Since you are the only source of income, whatever decision you make, your family should be on top. This is a financial forum so I would pick the option that best provides financial mean which is to stay in GA. Closer to family is nice, but if you lose your...
by wander
Tue Jun 18, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 7118

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

You have already got a family of your own. Since you are the only source of income, whatever decision you make, your family should be on top. This is a financial forum so I would pick the option that best provides financial mean which is to stay in GA. Closer to family is nice, but if you lose your ...
by wander
Mon Jun 17, 2019 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Help with car decision
Replies: 31
Views: 2162

Re: Help with car decision

I would keep the Honda if I were you. It doesn't make sense to have 2 car loans unnecessarily. But, it's your money, do what you like.
by wander
Sat Jun 15, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 3629

Re: Buy Mini-Van Tomorrow or No?

No and why. Yesterday, my son graduated from high school. My mom and FIL came with the 3 of us. So 5 total. Could we all fit in a Subaru Legacy? Sure. We took 2 cars. For one event in 12 years, it would be stupid to have a bigger vehicle. In a similar way, your mother in law can go in another car.....
by wander
Thu Jun 13, 2019 11:48 pm
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 3629

Re: Buy Mini-Van Tomorrow or No?

That's a good reason to buy a minivan. When the kids grow up, you can switch to any car you want. I am biased and will buy Japanese van for reliability.
by wander
Thu Jun 13, 2019 9:00 am
Forum: Personal Consumer Issues
Topic: Do you repair your own appliances?
Replies: 65
Views: 3819

Re: Do you repair your own appliances?

Replaced seals on refrigerator doors. Replaced seals on oven door. Nothing else breaks.
by wander
Mon Jun 10, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 18675

Re: Are You Dumping Netflix?

tesuzuki2002 wrote:
Mon Jun 10, 2019 3:14 pm
I dumped Netflix YEARs ago!
+1. I didn’t realize how much time I spent watching Netflix contents. Save money is one thing, save time is another.
by wander
Fri Jun 07, 2019 11:16 pm
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 126
Views: 10863

Re: How did you all do in the month of May, 2019

I didn't check until yesterday. Still down about 2% from all time high.
by wander
Thu Jun 06, 2019 6:52 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 7594

Re: Do you drive old cars for long distance travels?

Yes, but I know my car well to the point that I can drive it anywhere without issue.
by wander
Sat May 18, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Buying a "new" car - Advice pls
Replies: 76
Views: 6699

Re: Buying a "new" car - Advice pls

If I were going to buy a car, I would look at a used Lexus V6.
by wander
Sat May 18, 2019 8:50 am
Forum: Personal Investments
Topic: Putting money back in an HSA
Replies: 5
Views: 1043

Re: Putting money back in an HSA

My HSA custodian has a for you can fill out and mail in to repay mistaken distributions. I'm assuming most would something of the same. +1. This is the normal procedure. When something like this happens, the best option is you contact your custodian. The custodian will provide a form that you can p...
by wander
Fri May 17, 2019 9:47 pm
Forum: Personal Consumer Issues
Topic: Why do plumbers get paid so well?
Replies: 84
Views: 6612

Re: Why do plumbers get paid so well?

You need a plumber once maybe in every 10 years? It's not so much at all.
by wander
Fri May 10, 2019 6:21 am
Forum: Personal Consumer Issues
Topic: Cell Phone Plan/Carrier Recommendation?
Replies: 59
Views: 6573

Re: Cell Phone Plan/Carrier Recommendation?

Vouching for RedPocket on Verizon (It's their red plan). Runs about $16 per month with an annual plan. Data is 2GB at LTE speeds then throttled. I've been very happy with it. One thing to consider with these MVNO's is that service can get funky in extended network areas. Keep that in mind. Also a f...
by wander
Fri May 10, 2019 6:19 am
Forum: Personal Consumer Issues
Topic: Cell Phone Plan/Carrier Recommendation?
Replies: 59
Views: 6573

Re: Cell Phone Plan/Carrier Recommendation?

Another Total Wireless user here. Look at Verizon's coverage map that shows red and pink areas. Total Wireless is only the red area, not the pink area. I would look at coverage maps for all the other carriers and see what works for you. Then, find a good MVNO for that network, and see if they offer...
by wander
Thu May 09, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: Cell Phone Plan/Carrier Recommendation?
Replies: 59
Views: 6573

Re: Cell Phone Plan/Carrier Recommendation?

I recently signed up with Google Fi. Price seems relatively good especially if you don't use a lot of data. Supports international roaming to many countries without having to get country specific SIM card. There is a very limited choice of phones that work with Fi. It uses T-Mobile, Sprint and U.S....