Search found 2929 matches

by wander
Tue May 26, 2020 5:54 pm
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 83
Views: 5257

Re: What will you NOT buy online?

I won't buy auto parts online unless I cannot get it from auto parts stores (especially when time is critical). First, it takes too long to get the parts while I need to get the car running ASAP. Second, if I have to return a defect part can be very painful. But when time is not critical, and origin...
by wander
Sun May 24, 2020 8:30 pm
Forum: Personal Consumer Issues
Topic: What phone to buy after iPhone 7 Plus
Replies: 22
Views: 1968

Re: What phone to buy after iPhone 7 Plus

https://www.ebay.com/itm/133357313240 $300-400 Oneplus 7 Pro. Thank me later. You won't see anyone switching missing their iPhone. Look up some reviews, they are many Apple fanbois in the past switching and never look back. 100% value for the money. Beautiful phone. No notch, 30 watts warp charge, ...
by wander
Sun May 24, 2020 8:43 am
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 96
Views: 6831

Re: NJ property taxes too high. What are my alternative states?

Many other states collect income tax for school funding. New Jersey collects school funding from local property tax so all homeowners are obligated to fund the school. I don't live in NJ, hopefully someone else can provide more details. Pennsylvenia is not far away with less property tax. Have you e...
by wander
Thu May 21, 2020 10:58 pm
Forum: Personal Investments
Topic: I freaked out…now what?
Replies: 60
Views: 6085

Re: I freaked out…now what?

If you have 50/50 portfolio and you freaked out, then increase bond to 60-70 or 80%. Whichever is your comfort level. My portfolio was 80% stock, but I didn't feel anything when the market dropped. That was a benefit of hanging out here for too long. :happy
by wander
Wed May 20, 2020 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: How did you determine your target savings rate?
Replies: 109
Views: 4605

Re: How did you determine your target savings rate?

It's weird but we actually have saved more than our 1-year of expense.
by wander
Mon May 18, 2020 4:19 pm
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 97
Views: 14233

Re: Lowes vs Home Depot

If you can buy something from Lowes' store, by all mean, go the store and get your item there. With the coronavirus stay at home order, I didn't want to be exposed at the store and some items were not available in store or store-pick-up anyway, so I went to Lowes web site. I bought 8 items from Lowe...
by wander
Fri May 15, 2020 5:50 am
Forum: Personal Finance (Not Investing)
Topic: What are the most valuable things in life?
Replies: 7
Views: 841

Re: What are the most valuable things in life?

The most valuable thing in life is HOPE.
by wander
Thu May 14, 2020 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Family member returning borrowed money?
Replies: 27
Views: 3066

Re: Family member returning borrowed money?

Simple, use Zelle. Transaction will go through in a few seconds.
by wander
Tue May 12, 2020 7:27 pm
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5096

Re: Where do you back up your important data?

TN_Boy wrote:
Tue May 12, 2020 6:58 pm
wander wrote:
Tue May 12, 2020 6:17 pm
I back up data weekly to an external hard drive. Very simple.
Unless somebody breaks in and steals your computer and backup drive. Or your house burns down.

It is simple but incomplete.
I can take that risk.
by wander
Tue May 12, 2020 6:17 pm
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5096

Re: Where do you back up your important data?

I back up data weekly to an external hard drive. Very simple.
by wander
Sat May 09, 2020 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: $2 million dollar house pre requisites
Replies: 109
Views: 9747

Re: $2 million dollar house pre requisites

This is a general question, so the answers are going to be general.
by wander
Fri May 08, 2020 7:53 pm
Forum: Personal Consumer Issues
Topic: Audi A8 or keep looking?
Replies: 30
Views: 2356

Re: Audi A8 or keep looking?

2010-2013 Infiniti M37 and M56. M37 is the V6. M56 is the V8. Also can be had with AWD. Model name change to the Infiniti Q70 from 2014 through 2019 but it is the same car. The Q70 has an "Q70L" trim from I think 2015 and on that is a few inches longer for extra rear seat legroom. Pretty quick with...
by wander
Fri May 08, 2020 6:44 pm
Forum: Personal Consumer Issues
Topic: Audi A8 or keep looking?
Replies: 30
Views: 2356

Re: Audi A8 or keep looking?

I agree with getting a Lexus LS460. It 's a reliable and still luxury car.
by wander
Fri May 08, 2020 6:40 pm
Forum: Personal Investments
Topic: Why Make Portfolio Safer (More Bonds) as I age?
Replies: 35
Views: 3049

Re: Why Make Portfolio Safer (More Bonds) as I age?

Op, have you learned anything from the answers yet?
by wander
Thu May 07, 2020 6:45 pm
Forum: Personal Consumer Issues
Topic: IE, Chrome or Firefox, that is the question.
Replies: 53
Views: 2964

Re: IE, Chrome or Firefox, that is the question.

One Ping wrote:
Thu May 07, 2020 6:37 pm
JoeRetire wrote:
Thu May 07, 2020 6:29 pm
Chrome is the best.

It's unlikely that you'll get a consensus.
No doubt :sharebeer
No, Opera is the best for me. :D.
by wander
Sun May 03, 2020 9:17 pm
Forum: Personal Consumer Issues
Topic: Do Cell Phone Boosters Work?
Replies: 24
Views: 1454

Re: Do Cell Phone Boosters Work?

The booster work. There are two good brands for this: Wilson and Surecall. I installed a system in our building at work for everyone in the building. It works every well without WiFi in the building.
by wander
Thu Apr 30, 2020 5:57 pm
Forum: Personal Consumer Issues
Topic: Ridiculous HVAC Duct cleaning quote
Replies: 51
Views: 4710

Re: Ridiculous HVAC Duct cleaning quote

Is Sears still around? I had HVAC duct cleaning service from them before for much less.
by wander
Thu Apr 30, 2020 2:52 pm
Forum: Personal Investments
Topic: What is best way to transfer money to India
Replies: 4
Views: 283

Re: What is best way to transfer money to India

I've used Paypal xoom to transfer money to foreign countries. It works pretty well and provides status update.
by wander
Tue Apr 28, 2020 6:10 pm
Forum: Investing - Theory, News & General
Topic: Are we better off now than Dec 2018?
Replies: 237
Views: 15423

Re: Are we better off now than Dec 2018?

Once it awhile, I see a thread like this but when time goes by it's gone like a breeze.
by wander
Sun Apr 26, 2020 8:50 pm
Forum: Personal Investments
Topic: Why am I even saving for retirement?
Replies: 223
Views: 19840

Re: Why am I even saving for retirement?

I don't know about you. But, if you quit working today, how are you going to cover your health insurance. Especially today, when pandemic cloud is blooming, when you need insurance more than ever as the coronavirus doesn't care if you are healthy or not. If it hits you without insurance, you may hav...
by wander
Sun Apr 26, 2020 4:32 pm
Forum: Personal Investments
Topic: Stop me from buying individual stocks...
Replies: 27
Views: 1891

Re: Stop me from buying individual stocks...

Op, I am not going to stop you doing what you want to do with your money. Good luck!
by wander
Sun Apr 26, 2020 12:05 pm
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 124
Views: 7803

Re: Mesh Wifi

Unless your house is very big that you really need mesh wifi. I have been good with Buffalo dual bands wireless router last 8 years and never have to think about it because it just works.
by wander
Wed Apr 22, 2020 6:35 am
Forum: Personal Consumer Issues
Topic: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three to
Replies: 131
Views: 6154

Re: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three

If gas price is at $4 a gallon, I will think about buying a Prius. But at this point when it is cheap, Camry is my choice.
by wander
Mon Apr 20, 2020 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 13464

Re: How many paid for kids' college?

Why would you want your kid to work for a minimum wage job? Sure maybe start with that but they can learn and do much better than that. Just a few examples ...tutors at school can make 3 - 5X min wage, resident assistants can get free room and board in many instances, having a tradesy and/or ebay s...
by wander
Sun Apr 19, 2020 5:55 pm
Forum: Personal Consumer Issues
Topic: Porting a cell phone number to google voice?
Replies: 13
Views: 881

Re: Porting a cell phone number to google voice?

I’ve found that some financial institutions won’t accept a google voice number for 2FA. But otherwise, it works fine. Wells Fargo seems to be too incompetent/unwilling to change to work with Google Voice for text messages. GV does not support short-SMS which a few places still use. +1. The Wellsfar...
by wander
Sun Apr 19, 2020 11:42 am
Forum: Personal Consumer Issues
Topic: Office chair recommendation for carpeted home office
Replies: 28
Views: 1856

Re: Office chair recommendation for carpeted home office

+1 on a large plastic matt. Solves many problems. Chair moves easily, carpet is protected from wear and dirt, spills are easy to clean up. Get a matt that's big enough so the chair stays on it when you push away from the desk (for me that's 48" x 48"). Smaller ones are a hassle. Bought this chair i...
by wander
Sun Apr 19, 2020 11:24 am
Forum: Personal Consumer Issues
Topic: Alternatives to Adobe Acrobat
Replies: 13
Views: 751

Re: Alternatives to Adobe Acrobat

Consider using 7ZIP to create an encrypted store holding single or multiple files. 7ZIP does not care what data-format the source file(s). I use 7ZIP to place sensitive documents into that I then upload to Google-Drive which I have shared with my son. +1. That's what I would do. Also, 7Zip is free....
by wander
Sat Apr 18, 2020 2:45 pm
Forum: Personal Consumer Issues
Topic: Computers - Solid State Drive vs. Hard Disk Drive
Replies: 75
Views: 4087

Re: Computers - Solid State Drive vs. Hard Disk Drive

Hard drive manufactures are going for next generation SSD. Current SSD has speed limitation due to SATA connection. It is not a big deal to personal computers, but faster data is more critical to servers. I upgraded my laptops with SSDs, SSD is faster and more reliable if you often carry laptops aro...
by wander
Sat Apr 18, 2020 11:19 am
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 13464

Re: How many paid for kids' college?

@Wander, my parents and I came to the US 60 years ago, also without anything and not speaking English. I did better than my parents (who never attended college but valued it enough to pay for their kids’ education), and my kids, in turn, will do as well or better than me. A good part of the reason ...
by wander
Fri Apr 17, 2020 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 13464

Re: How many paid for kids' college?

No, we do not pay our kids' college. Our parents did not pay our college and we went through undergrad/graduate schools with no debt. But we can give a hand to help them if they run into trouble. We are first generation immigrant started from close to nothing. We do hope that they do better than us....
by wander
Fri Apr 17, 2020 6:57 pm
Forum: Personal Consumer Issues
Topic: Amazon pages often take long time to load
Replies: 17
Views: 997

Re: Amazon pages often take long time to load

Personally, I think Firefox is terrible. I prefer Chrome or Opera Browser for Windows 10.
by wander
Thu Apr 16, 2020 10:21 pm
Forum: Personal Consumer Issues
Topic: Portable AC keeps tripping breaker
Replies: 26
Views: 908

Re: Portable AC keeps tripping breaker

What is the brand and model of the portable AC?
by wander
Wed Apr 15, 2020 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Help us save more money on a monthly basis.
Replies: 50
Views: 3331

Re: Help us save more money on a monthly basis.

mega317 wrote:
Wed Apr 15, 2020 9:06 pm
wander wrote:
Wed Apr 15, 2020 5:33 pm
I can tell you that your mortgage is too large.
Get out of town. 13k take home which means gross salary is north of 200k. The payment is less than 20% of salary. In a VHCOL.
Yeah, I got out of town. It took us 5 years to pay off our mortgage.
by wander
Wed Apr 15, 2020 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Help us save more money on a monthly basis.
Replies: 50
Views: 3331

Re: Help us save more money on a monthly basis.

The list misses cost of gasoline and insurance. :D This is easy for me: Utilities 450.00 Average (Electricity, gas and water) - Cut this to $225 Cable 182.00 - Cut it to zero and use Outdoor antenna for free. Cleaning Service 300.00 - twice a month - Cut it to zero. Landscapper 140.00 - Cut it to ze...
by wander
Sun Apr 12, 2020 10:04 pm
Forum: Investing - Theory, News & General
Topic: Emergency Fund - part of Asset Allocation?
Replies: 93
Views: 3116

Re: Emergency Fund - part of Asset Allocation?

Even in your worst case scenario, I have $240k left in my portfolio. My family will be fed. That is my point. The portfolio is always 80/20. Triple digit golfer, Okay. I made a mistake with my calculation. Start with 500K at 80/20 1) First 50% drop, down to 300K with 60K in FI 2) Second 50% drop, d...
by wander
Sat Apr 11, 2020 10:19 pm
Forum: Investing - Theory, News & General
Topic: Emergency Fund - part of Asset Allocation?
Replies: 93
Views: 3116

Re: Emergency Fund - part of Asset Allocation?

Yes, I include my emergency fund in asset allocation as I own a few years worth of I Bond for case of emergency. However, I did not need to use it in 2008 nor coronavirus market drops and feel very confident about it.
by wander
Fri Apr 10, 2020 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 351
Views: 27188

Re: just got my $1200 stimulus payment

I received a notice today that there was a deposit made by the IRS that will be available on April 15.
by wander
Fri Apr 10, 2020 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Is saving $19k/yr worth having roommates? (California Bay Area)
Replies: 71
Views: 5646

Re: Is saving $19k/yr worth having roommates? (California Bay Area)

It's very much a personal decision. For me, I got my own space if I could afford and it has nothing to do with finance. I could have saved more by sharing my room with people, but hey life is short, I cannot get my years back. :D
by wander
Sun Apr 05, 2020 3:01 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128937

Re: Coronavirus (Consumer Issues) How you are preparing?

Is Klang saying he filters and boils his bottled water? Either way, I'm confused. The huge majority of bottled water comes from municipal sources; whether it is drunk out of a bottle or straight from the tap it is the same thing (minus the "proprietary" mix of vitamins/minerals that some bottlers u...
by wander
Sun Apr 05, 2020 11:24 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128937

Re: Coronavirus (Consumer Issues) How you are preparing?

Some countries in Europe, when briefing, include a message on the podium stands "Stay home, Protect NHS, Save lives". I think that's an important message to remind people. It is simple, but very effective.
by wander
Sun Apr 05, 2020 11:02 am
Forum: Investing - Theory, News & General
Topic: Why not go EE bonds (instead of bond funds)?
Replies: 176
Views: 10604

Re: Why not go EE bonds (instead of bond funds)?

We have been buying EE bonds every year so in retirement that would become a nice $40k each year before any amount from SS, 401k and pension. It may be affected by inflation, but we think equity will make up for it.
by wander
Fri Apr 03, 2020 2:46 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190881

Re: Bogleheads community discussion - Coronavirus

More good news from Italy. The number of deaths per day peaked six days ago. The number has been on a steady downward trend since then. https://www.worldometers.info/coronavirus/country/italy Since deaths lag infections by several weeks, Italy's new cases probably peaked 3-4 weeks ago. Deaths are s...
by wander
Fri Apr 03, 2020 2:39 pm
Forum: Personal Consumer Issues
Topic: Should I cancel my travel in France and Belgium in mid May?
Replies: 75
Views: 5547

Re: Should I cancel my travel in France and Belgium in mid May?

I would have cancelled the trip already. Why? I would probably have resigned myself to not going, but wouldn't have "cancelled" any portion where doing so would make me ineligible for an otherwise likely cash refund. My rationale is different than yours so I don't need to explain it. You can go if ...
by wander
Fri Apr 03, 2020 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Are your personal expenses down during stay home and shelter?
Replies: 167
Views: 9240

Re: Are your personal expenses down during stay home and shelter?

Saving about $400 a month for gasoline. I think car insurance companies should give us some breaks on premium price as people are not driving daily. :D
by wander
Fri Apr 03, 2020 12:12 pm
Forum: Personal Consumer Issues
Topic: Should I cancel my travel in France and Belgium in mid May?
Replies: 75
Views: 5547

Re: Should I cancel my travel in France and Belgium in mid May?

I would have cancelled the trip already.
by wander
Fri Apr 03, 2020 12:06 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190881

Re: Bogleheads community discussion - Coronavirus

Folks, Latest New York State's numbers: https://www.youtube.com/watch?v=kEJYTTktOwo 14:27 3/24/2020 25,665 cases 3,234 hospitalized 756 ICU beds 3/25/2020 30,811 cases,3,805 Hospitalized, 888 ICU patients 3/26/2020 37,358 cases, 5,327 Hospitalized, 1,290 ICU patients, 1,517 patients discharged. 3/2...
by wander
Thu Apr 02, 2020 11:02 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190881

Re: Bogleheads community discussion - Coronavirus

It seems Americans are ignoring guidance from the health experts, the plot shows US confirmed positive coronavirus slope is still going up. People are talking about flattening the curve but we are not there yet.
by wander
Thu Apr 02, 2020 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: confused about stimulus check
Replies: 27
Views: 2240

Re: confused about stimulus check

My advice is to not count on a check for a few months. If you get something sooner, then consider it a blessing, but in the meantime just plan that you won't get anything. That is, plan for the worst case now because you won't be able to plan later. If you setup a bank account for tax refund or pay...
by wander
Thu Apr 02, 2020 10:42 pm
Forum: Personal Investments
Topic: Anyone here depressed just looking at their portfolio?
Replies: 122
Views: 7343

Re: Anyone here depressed just looking at their portfolio?

My portfolio everyday when logging into vanguard is just red and red. Seems depressing just looking at it. How are you guys coping (for people who lost money) in the market now? Don’t look at it. I haven’t logged in since Mar 4 and I don’t expect to until the end of the year. I look at it everyday ...
by wander
Thu Apr 02, 2020 10:31 pm
Forum: Personal Consumer Issues
Topic: Should I keep paying fitness center fees while it is closed?
Replies: 114
Views: 6261

Re: Should I keep paying fitness center fees while it is closed?

This is an easy call. No service = no pay.