Search found 2541 matches

by wander
Mon Nov 12, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9151

Re: retirement travel: RVs vs fly/drive/hotel

We will get a B Class RV in retirement but don't mind to stay at a hotel either.
by wander
Mon Nov 12, 2018 12:35 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8035

Re: What's everyone currently in?

I am in stocks and bonds, just like previous years. No change.
by wander
Mon Nov 12, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Is it safe to keep using a phone after it stops receiving security updates?
Replies: 8
Views: 807

Re: Is it safe to keep using a phone after it stops receiving security updates?

I think as long the APPs are still functioning, you should be fine. But there is a point when the Apps complain about not working and require that you have to update the Apps, then you have no choice but to upgrade the phone. Not updating the software maybe a better idea. I remember both of our old ...
by wander
Mon Nov 12, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Regrets from canceling whole life insurance policy - anyone out there?
Replies: 27
Views: 2940

Re: Regrets from canceling whole life insurance policy - anyone out there?

I used to buy whole life insurance for my parents. I learnt the lesson and cancel them two years later and was so happy about that decision. All I needed was to cover the expenses when they pass away, but I realize that I can manage with my taxable brokerage account without any issue. I have no regr...
by wander
Mon Nov 12, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 11603

Re: If expenses are low, are some of us over saving?

It is easier to change life style from poor to rich than the other way around. It is depressing if you used to spend $200k a year, now down to $30k a year.
by wander
Sun Nov 11, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: Worth fixing a 30-year-old Maytag dryer?
Replies: 66
Views: 12796

Re: Worth fixing a 30-year-old Maytag dryer?

This thread is 5 years old. Op doesn't care if he should replace or fix it by now.
by wander
Sat Nov 10, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: Which one: Lyft or Uber?
Replies: 57
Views: 4254

Re: Which one: Lyft or Uber?

I used Lyft simply because at the first time I ever used this kind of service, Uber was giving me error after several trials using Apple pay.
Lyft worked at the first try.
by wander
Sat Nov 10, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Worth fixing a 30-year-old Maytag dryer?
Replies: 66
Views: 12796

Re: Worth fixing a 30-year-old Maytag dryer?

I would replace it. My home is not a museum. :D
by wander
Fri Nov 09, 2018 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe Federal + State $29.95
Replies: 94
Views: 7774

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

After paid, HRBlock took me to the download page. Somehow, the download button didn't work (either with both Chrome and Firefox). I thought I needed to complain to HRBlock for a refund but then I got Email from HRBlock that had the link for me to download the file and activation code. The link works.
by wander
Wed Nov 07, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 11603

Re: If expenses are low, are some of us over saving?

Will Social Security still exist when I retire? It's true that Social Security will soon start paying out more benefits than it receives in contributions, as the bulk of the baby-boom generation phases into retirement. The government's official position is that there is enough money saved to pay be...
by wander
Tue Nov 06, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Christmas in Montreal?
Replies: 8
Views: 605

Re: Christmas in Montreal?

One caution is it is extremely cold in Montreal in winter. We were there during Christmas and I could tell you that it is impossible to go anywhere outside without beanie hat or something similar. The services were great over there. We went to a lot of places and the list above is excellent. If you ...
by wander
Tue Nov 06, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4650

Re: Think I have found my new commuter car - 2019 Honda Insight

I do notice that my left leg is bent to the side and presses into the door while I drive, but I'm not using it. Red flag right there. How’s that going to feel if someone or something hits the door with substantial force right there? How’s that going to feel on a long road trip, potholes, vibrations...
by wander
Tue Nov 06, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 14496

Re: How much money are you leaving your kids after you die?

We will plan to spend all of our money.
by wander
Tue Nov 06, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Ok to remove collision coverage?
Replies: 13
Views: 1016

Re: Ok to remove collision coverage?

It think it is too cheap to keep for peace of mind.
by wander
Tue Nov 06, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a used car
Replies: 31
Views: 1810

Re: Buying a used car

ready20 wrote:
Tue Nov 06, 2018 11:07 am
Let me start by saying- I hate cars- just have never been a car guy.
I don't know how you can hate a car. It's just for transportation.
by wander
Tue Nov 06, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4650

Re: Think I have found my new commuter car - 2019 Honda Insight

I'm always confused when people don't look at used EV's for commuter cars. They drive like real cars. Tons of power and are actually fun. Prius type cars drive like crap... I'm shocked people are willing to tolerate them when EV's get more than double or triple the "fuel" economy. is it just new is...
by wander
Mon Nov 05, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Buying a mini-van
Replies: 25
Views: 1796

Re: Buying a mini-van

Minivan is our favorite for long distance drive, it is very convenient during rain as you can get to the rear without getting wet. I think minivan is more practical for family man than an SUV.
by wander
Mon Nov 05, 2018 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Should I move from TRP to Vanguard?
Replies: 9
Views: 681

Re: Should I move from TRP to Vanguard?

I still have my old rollover 401k account with TRP, their no load active mutual funds are not crazy expensive. But for new money, I invest at Vanguard and Wellstrade for ETFs and index funds. When I retire, I will withdraw the money at TRP first and will hold on to low cost index funds.
by wander
Sun Nov 04, 2018 7:55 am
Forum: Personal Finance (Not Investing)
Topic: If you have credit monitoring do you need to freeze credit?
Replies: 26
Views: 1229

Re: If you have credit monitoring do you need to freeze credit?

Monitoring service does not help anything when fixing the problem when suspicious account opened in your name. They will tell you to contact credit agencies. All they do is to alert you, the name says for itself: "monitoring".
by wander
Tue Oct 30, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 53
Views: 3226

Re: USPS - Informed delivery - complain on missing items?

voter registration card if they informed you it was delivered, but was not, I'd want to know why! I've lost a few certified mail with tracking numbers. Tracking numbers stated "delivery" but there were nothing in the mail box. Good luck with asking them since they will try to find the scanner locat...
by wander
Sun Oct 28, 2018 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 117
Views: 10085

Re: Federal Employees, leading up to retirement?

DrGoogle2017 wrote:
Wed Mar 07, 2018 10:16 am
Try to hang on to your health care insurance, it’s not just health care, it’s also dental care. You won’t be able to get good dental plan from ACA, no dental plan with Medicare either.
This is a good advice. You want to continue paying low cost insurance in your retirement.
by wander
Sun Oct 28, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Am I doing well financially?
Replies: 162
Views: 12619

Re: Am I doing well financially?

With your current expenses, $1.2M will not be enough.
by wander
Sun Oct 28, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: When to get a new toilet?
Replies: 52
Views: 3866

Re: When to get a new toilet?

I think you can find a different plumber who can fix water running. It took me a trip to Lowe's.
by wander
Sun Oct 28, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7153

Re: How many miles (total) on car before buying another car ?

the most safety is yourself: don't drive and text, I agree. But what about the other motorist who is coming in the opposite direction and texting? You can't control him, but having a car that would protect you, had this careless driver swerved into your lane and head-on collision your car, is price...
by wander
Sun Oct 28, 2018 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Retiring at 52, Please Critique Plan
Replies: 61
Views: 9508

Re: Thinking of Retiring at 52, Please Critique Plan

Just some FYI, I retired at 52, 2 years ago. Both kids are in college so I had no kids to worry about. My wife is a teacher and still works. We traveled took care of our 2 sets of parents and enjoyed. Then after that I went back to work 3 months ago. I am lucky to have another great job. I work bec...
by wander
Sun Oct 28, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7153

Re: How many miles (total) on car before buying another car ?

Adding safety techs are good and I have no problem with that, but for me, the most safety is yourself: don't drive and text, I don't even bother to answer cell phone while driving; I can turn my head to check blind spot so I am not worried if the blind spot detection sensor is failed, ... GEICO is ...
by wander
Sat Oct 27, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7153

Re: How many miles (total) on car before buying another car ?

I am a diy mechanic and technically I can drive my car forever. Currently, it is at 400k miles. Of course, it does not happen automatically, I have to pay attention and provide best care I can. People take car to mechanic when their cars is in trouble, I take care of it before it becomes a problem. ...
by wander
Fri Oct 26, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: How many of you have cut the cord?
Replies: 244
Views: 27653

Re: How many of you have cut the cord?

We cut cable TV few years ago and kept only internet cable (We use outdoor antennas for over the air broadcast). Without the TV, internet and phone package, the cable company increased the price very fast, so within 6 years, the internet deal increased 70%. Every year, we received a letter informing...
by wander
Wed Oct 24, 2018 12:28 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Portfolio is crashing...
Replies: 36
Views: 3929

Re: Schwab Intelligent Portfolio is crashing...

Op, if you cannot take a few percent drop in your portfolio, you should not invest in stock at all.
by wander
Tue Oct 23, 2018 12:39 am
Forum: Personal Consumer Issues
Topic: 2019 Chrysler Pacifica Hybrid
Replies: 30
Views: 2510

Re: 2019 Chrysler Pacifica Hybrid

Plug in is an extra capability that you can charge the car so you can save more money for driving it in Electric mode; however, you can also choose to not plug it in at all and drive it as a pure hybrid. You can say that a plug in version car can be a hybrid; but when a car is called "Hybrid", it me...
by wander
Tue Oct 23, 2018 12:06 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25610

Re: PSA: Don't buy a big house

sunny_socal wrote:
Mon Oct 22, 2018 8:47 am
Next time we're buying a much smaller house where everything is within reach :beer
When will be your next time?
by wander
Sun Oct 21, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 3066

Re: Why Purchase an Automobile using Premium Gasoline?

Cars that require premium gas tend to be luxury. If you pay premium for a car, why do you think too much on paying extra for gasoline? I am driving an old Lexus and always fill it with premium gas as recommended without question. If you want to fill your car with regular, it works too.
by wander
Sun Oct 21, 2018 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: 2 rental car reservations?
Replies: 23
Views: 1387

Re: 2 rental car reservations?

The rental company is not taking great strides to reserve the vehicle you selected. They are just going to give you whatever is on the lot. How many times have you showed up for a car rental and they don't have the vehicle? Happens all the time. One can say the customer should hold to a higher stan...
by wander
Fri Oct 19, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: Forever Stamps as an Investment?
Replies: 32
Views: 3715

Re: Forever Stamps as an Investment?

I only buy enough for personal use.
by wander
Fri Oct 19, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 8440

Re: When to change tires; and what brand

I normally go with whatever brand that Costco or BJs discounts are available.
by wander
Fri Oct 19, 2018 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Transition to our new investment platform
Replies: 44
Views: 13910

Re: Vanguard: Transition to our new investment platform

I completed the transition at Vanguard. I didn't like it but did it anyway. So far, I haven't seen any disadvantage.
by wander
Thu Oct 18, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 16814

Re: Where would you go for financial guidance if you win the Megamillions?

I would worry about winning it first before asking for help.
by wander
Wed Oct 17, 2018 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 71
Views: 6587

Re: Did you retire because you hit your number?

My number is the age when I want to retire.
by wander
Sun Oct 14, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 107
Views: 10709

Re: $34k Volt vs $54k Model 3?--help me decide??

Electric car is way to go in the future. But for now, my choice is hybrid car (plug-in or not plug-in), since I don't have limit to where I can drive to b/c I don't have to think about planning for charging. Anywhere within 30 miles of my travel, I can find a gas station right next to the highway. I...
by wander
Sat Oct 13, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: Drop in MPG (09 Civic)
Replies: 24
Views: 1386

Re: Drop in MPG (09 Civic)

You need to use the OBD reader to find out if there is any code. Autozone folks can help you for free. You don't want to replace an Oxygen sensor for no reason. If you are lucky, the ODB reader can find some fault code and you can go from there.
by wander
Sat Oct 06, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 267
Views: 37018

Re: Aren't we overdoing electronic auto safety features?

I maybe wrong but I think the blind spot alert enables a driver to be more reckless than before because the driver may change lanes too close than s/he normally does using side and rear mirror. As s/he relies on the blind spot detection, s/he "jump" into the lanes in my surprise as I couldn't have e...
by wander
Sat Oct 06, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 12904

Re: What purchase saved you the most money?

I bought a cable modem so I didn't have to pay monthly rental. Its cost $60 but was paid off in one year and so far has saved $300. I also bought an OTA HDTV antenna and save $50 a month on cable, it has saved about $600 a year.
by wander
Sat Oct 06, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Plan For Depleting Your Investments If No Heirs?
Replies: 39
Views: 4727

Re: Plan For Depleting Your Investments If No Heirs?

Off topic, but one of my grandmother's brothers was thought could not live pass 70 years old, due to some medical problems at young age, is still living healthy at 107 and outlives all of his siblings. If I plan to live to 95, I think I should plan for some extra (just in case). :D
by wander
Sat Oct 06, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Should we pay off $90K mortgage with idle cash or not?
Replies: 46
Views: 5855

Re: Should we pay off $90K mortgage with idle cash or not?

I made that decision before based on emotion and never looked back. I just wanted to get rid of it so I don't have to see it on monthly bank statement. When we buy new house, this house will be put for rent with no mortgage.
by wander
Sat Oct 06, 2018 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Retired 66 year old
Replies: 10
Views: 2253

Re: Retired 66 year old

If the ~$45,000 a year is sufficient enough for you, you can do fine by just leave the $250k in a balanced fund and only tap it for emergency spending.
by wander
Tue Sep 25, 2018 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 658
Views: 82846

Re: How much money do you want to retire?

For me, it is not about how much money I do have but how many times the expense I want in retirement. The number is 25 (It is just a normal goal).
by wander
Tue Sep 25, 2018 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions for Online Banking (Having Problems w/ USAA)
Replies: 13
Views: 957

Re: Suggestions for Online Banking (Having Problems w/ USAA)

I have been banking with Schwab for many years since it first came out. Never had any problem.