Search found 2314 matches

by wander
Wed Dec 13, 2017 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA Holders: How Many Of You Max Your Contribution On January 1st?
Replies: 28
Views: 1237

Re: ROTH IRA Holders: How Many Of You Max Your Contribution On January 1st?

No, but it is on my priority list so I DCA to fill up Roth IRA accounts quickly first few months. The benefit of getting in right on the first day is just noise to me.
by wander
Wed Dec 13, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 36
Views: 1076

Re: How much did you contribute to your 401k in 2017?

Self: $18k
Spouse: $18k
We are in the 40s.
by wander
Tue Dec 12, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Home Security Camera: Post a Warning Sign or Not?
Replies: 20
Views: 2408

Re: Home Security Camera: Post a Warning Sign or Not?

I rather keep the cameras hidden, so "no sign".
by wander
Tue Dec 12, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 46
Views: 3195

Re: best cashback credit card ?

whats the best credit card with highest cashback on gas and stores etc currently. i have been using citi double cashback for everything for sometime now but have started looking for something better. i came across penfed credit card with 5% cashback only on gas and was wondering if there is any oth...
by wander
Tue Dec 12, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless: What are the gotchas?
Replies: 38
Views: 2005

Re: Cricket Wireless: What are the gotchas?

We have one line with cricketwireless and I consider to move it to totalwireless which is using Verizon network for better coverage, price and plan options.
by wander
Fri Dec 01, 2017 5:48 am
Forum: Personal Finance (Not Investing)
Topic: I Can "Afford" This Right? (New Car)
Replies: 60
Views: 4595

Re: I Can "Afford" This Right? (New Car)

This is a joke, right?
Of course, you can.
by wander
Fri Dec 01, 2017 5:45 am
Forum: Personal Consumer Issues
Topic: housing for in-laws
Replies: 48
Views: 3494

Re: housing for in-laws

#4 sounds good. Living in basement is not healthy. You mentioned about the baby sitting part, that benefits a lot since you guys can go out or take vacation trip any time you want knowing your kid is being taken good care for free.
by wander
Fri Dec 01, 2017 5:31 am
Forum: Personal Consumer Issues
Topic: Water filtration system - worth it?
Replies: 17
Views: 1084

Re: Water filtration system - worth it?

We have under-sink water filter. Spend $100 for new filter every year and it is worth it.
by wander
Wed Nov 29, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Honda CRV All Wheel Drive VS Front Wheel, Which One?
Replies: 74
Views: 5108

Re: Honda CRV All Wheel Drive VS Front Wheel, Which One?

dsuttr wrote:
Tue Nov 28, 2017 11:22 am
AWD only !
Stop being cheap. Safety first, so much better in rain, snow, slick roads.
It has nothing to do with being cheap. I myself drive a FWD my whole life without any issue with snow. I drove seeing AWD drivers got stuck in snow too.
by wander
Sat Nov 25, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 213
Views: 16235

Re: Anyone tired of the stock market going up?

Are you rather being stressed for 8 years of down markets than 8 years of bull markets? I don't know about your plan but the more bull markets, the sooner I can retire.
by wander
Thu Nov 23, 2017 6:27 am
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 16
Views: 1958

Re: How am I doing?

You need $42,000 (a year) after tax this year money for your normal expense plus health insurance. $46,500 (from future pension) is not enough to cover it fully so you will need to save more outside of TSP. I think it is doable.
by wander
Wed Nov 22, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 54
Views: 6205

Re: Drive it till it dies. It died.

hightower wrote:
Mon Nov 20, 2017 5:15 pm
Transmission failure at 140k miles = terrible car, never buy that make/model again. Buy a honda or toyota. You won't see a transmission failure until 250k or more.
I have a Nissan, not a Murano, that has 400k+ miles with original transmission. It's not below any Honda or Toyota standard, IMHO.
by wander
Sun Nov 19, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 108
Views: 12833

Re: The valet smashed my Tesla into a brick wall!

I usually do not like other people park my car for me so I avoid valet parking with any cost.
by wander
Sat Nov 18, 2017 11:57 pm
Forum: Investing - Help with Personal Investments
Topic: Do you include the sale of your home as part of your retirement planning?
Replies: 91
Views: 5060

Re: Do you include the sale of your home as part of your retirement planning?

Selling our house is the last option if our retirement money is running out. It is nice to have a safety net, but when planning for retirement we exclude the house. Sounds like you plan for it, you just plan for it off book and don't reflect it in your formal plan. Not likely. If that is the case, ...
by wander
Sat Nov 18, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Do you include the sale of your home as part of your retirement planning?
Replies: 91
Views: 5060

Re: Do you include the sale of your home as part of your retirement planning?

Selling our house is the last option if our retirement money is running out. It is nice to have a safety net, but when planning for retirement we exclude the house.
by wander
Tue Nov 14, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Losing all of your savings.
Replies: 41
Views: 5890

Re: Losing all of your savings.

volimsmes wrote:
Mon Nov 13, 2017 11:31 am
i've lost all of my savings because of stupid investments. How should I mentaly deal with situaction like this?
I guess you invested in individual stocks. I would recommend to stay away from them and invest in diversified ETFs or mutual funds.
by wander
Tue Nov 14, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: IPHONE 8, X
Replies: 39
Views: 2264

Re: IPHONE 8, X

HerbRight wrote:
Mon Nov 13, 2017 2:29 pm
hi, is the iPhone X worth the $$$ or the 8 is good enough??
I will say something different. Iphone 7 is good enough for most people.
by wander
Sat Nov 11, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 76
Views: 5984

Re: Costco for tires and car insurance?

Try walmart as well.I replace the tires on outback recently. I did check a lot of sites then. I don't remember all the details but I paid around 350$ at walmart. I am pretty happy with it. I used to get tires from Walmart but now they are getting busy and the service is getting worse. I now get tir...
by wander
Thu Nov 09, 2017 7:37 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 150
Views: 13174

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

We save $18,000 (401k #1) + $18,000 (401k #2) + $5,500 (Roth IRA #1) + $5,500 (Roth IRA #2) + $6,000 (HSA). We enjoy spending the rest of our income.
by wander
Mon Oct 30, 2017 6:33 am
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 99
Views: 7608

Re: Is it difficult to switch from an iPhone to an Android?

The only big deal is to move photos from Iphone to Android or the other way around. But it seems easy nowadays. Otherwise, some people just like the Iphone Podcast and cannot get the show or podcast they want to listen on Android podcast replacement app. Switching is easy, but are some features that...
by wander
Sun Oct 29, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 9236

Re: we bought a house - are we housepoor now?

If you cannot take the advice you don't like, then you don't need to ask. It's after the fact anyway.
by wander
Sat Oct 28, 2017 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 18874

Re: Early-retired 35 year old with $1 million

Rupert wrote:
Sat Oct 28, 2017 10:02 am
I assume you're a devotee of Mr. Money Mustache?
Somehow, think this man is still making money.
by wander
Sat Oct 28, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: Repair (new engine) 2005 Mazda 3?
Replies: 26
Views: 1328

Re: Repair (new engine) 2005 Mazda 3?

Since it was involved in an accident before, I think I would buy another 2005 Mazda 3 with clean record, low mile would be better than replace with a used engine.
by wander
Sat Oct 28, 2017 12:39 am
Forum: Personal Consumer Issues
Topic: Should I change my car?
Replies: 13
Views: 894

Re: Should I change my car?

I would not change car if in your situation. I would try a few more different lumbar supports.
by wander
Sat Oct 28, 2017 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Pay off the car or not?
Replies: 25
Views: 2039

Re: Pay off the car or not?

If your job is stable, you should pay it off.
by wander
Sat Oct 28, 2017 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire today?
Replies: 132
Views: 7790

Re: Can I retire today?

Yes, you can.
by wander
Thu Oct 26, 2017 6:22 pm
Forum: Personal Consumer Issues
Topic: Fix or replace my vehicle
Replies: 33
Views: 1595

Re: Fix or replace my vehicle

I think it's about time to let it go. The "other issues" listed above are the ones that give me no interest to drive it any longer.
by wander
Wed Oct 25, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: When to buy a new car
Replies: 10
Views: 1077

Re: When to buy a new car

It is a 10-15 year old car (figure something like 120-200k miles). Most of those problems sound like things you would expect to deal with. I am sort of surprised the inspection before buying it didn't tell you that the brakes and suspension were worn out. Does it make sense to keep throwing money i...
by wander
Wed Oct 25, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: When to buy a new car
Replies: 10
Views: 1077

Re: When to buy a new car

Sounds like a lemon to me, I wouldn't keep it.
by wander
Tue Oct 24, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Honda Accord LX with no transmissin dipstick
Replies: 31
Views: 2499

Re: Honda Accord LX with no transmissin dipstick

I did some research on 2014 Honda Accord, and here is what I found: Driving in mountainous areas at very low vehicle speeds or trailer towing results in higher transmission temperatures. This requires transmission fluid changes more frequently than recommended by the Maintenance Minder. If you regul...
by wander
Tue Oct 24, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: Water damage from upstairs neighbor - insurance, subrogation, other recourse?
Replies: 36
Views: 2898

Re: Water damage from upstairs neighbor - insurance, subrogation, other recourse?

A friend of mine was the upstairs neighbor and got the note from the tenant lived directly below him complaining about the leaking. The leak was from the bathroom area. He took action right away and had his insurance paid for fixing the ceiling of the unit below. He felt that it was his responsibili...
by wander
Mon Oct 23, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: Honda Accord LX with no transmissin dipstick
Replies: 31
Views: 2499

Re: Honda Accord LX with no transmissin dipstick

Thank you all for your replies and confirm that there was nothing wrong with the car. At first, I thought the dealer "forgot" to include the dipstick but I was wrong. I look it up online and yes there are a drain plug and a check port. I want to help, but don't want to screw it up. :D.
by wander
Mon Oct 23, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: Honda Accord LX with no transmissin dipstick
Replies: 31
Views: 2499

Honda Accord LX with no transmissin dipstick

I was helping my friend to check transmission fluid level for a 2014 Honda Accord, but to my surprise, there was no transmission dipstick. I do not have the maintenance book and have no idea how to deal with this situation. I should go ask at a Honda forum; but since many members here are Honda owne...
by wander
Sun Oct 22, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: how often to upgrade phone?
Replies: 44
Views: 2703

Re: how often to upgrade phone?

I upgrade my phone when there is a need to do so. In the past, I upgraded to get LTE. Many areas have 3G, and many others have LTE. Since I pay the same price for both services, why do I want to get partial coverage. Same with the new 600MHz TMobile frequency, if I am a TMobile I would consider to u...
by wander
Sun Oct 22, 2017 9:09 am
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 37
Views: 4036

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

I also have HSA Bank and TD combo. My employer is nice enough to take care of the monthly fee. Before this, I had HSA account with Wells Fargo, then with Chase, but HSA Bank is my top choice.
by wander
Sun Oct 22, 2017 8:50 am
Forum: Investing - Theory, News & General
Topic: When one reaches the 1 million mark what to do with all the money?
Replies: 33
Views: 6414

Re: When one reaches the 1 million mark what to do with all the money?

I would keep the same asset allocation regardless of it was a $100k or $1 M.
by wander
Thu Oct 19, 2017 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Am I paying too much for insurance?
Replies: 18
Views: 1886

Re: Am I paying too much for insurance?

Small Law Survivor wrote:
Wed Oct 18, 2017 5:54 pm

Separate policy (both autos, $10,000 deductible): (total annual premium $1869)
Auto 1 (Volvo) $677
Auto 2 (Prius) $1192
With $10,000 deductible, you can replace both cars altogether.
by wander
Sun Oct 15, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 73
Views: 36706

Re: Can't freeze credit at Experian?

I've done freezing me credit with all the reporting agencies. I did everything online without any issue. TU charged me $5.00. Other agencies did it for free. Interesting. If your state lists $5, I don't understand how or why Experian did it for free... I don't want to find out for just a few dollar...
by wander
Sun Oct 15, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 7622

Re: What are you driving? And would you buy your current ride again?

1997 Nissan Maxima, 390k miles. Yes, I will buy again.
by wander
Sun Oct 15, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 5993

Re: What do you buy in Asian food stores?

Fish source, soy source, vegetables, fruits, fish and let them clean & cut, ingredients, Asian coffee, ...
by wander
Fri Oct 13, 2017 10:36 pm
Forum: Personal Consumer Issues
Topic: Reverse Osmosis Systems for Kitchen Sink
Replies: 22
Views: 1050

Re: Reverse Osmosis Systems for Kitchen Sink

We have Aqualiv water system. It's pricey but we like the taste and it keeps nutrition for you.
by wander
Fri Oct 13, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: Car Buying, Time to grow up.
Replies: 59
Views: 5211

Re: Car Buying, Time to grow up.

Buy a Honda Civic and drive it for 300,000 miles, stay out of car troubles and have more money in your brokerage account. Sounds like a sentence. Some people like cars and like driving. Car is just a transportation to me. 12,000 miles a year sounds like average American, drive it for 20+ years and ...
by wander
Fri Oct 13, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: Car Buying, Time to grow up.
Replies: 59
Views: 5211

Re: Car Buying, Time to grow up.

Buy a Honda Civic and drive it for 300,000 miles, stay out of car troubles and have more money in your brokerage account.
by wander
Fri Oct 13, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 7745

Re: How many miles/years do you keep your car?

For me, a car gets too old when its interior is messed up ( dirty, worn out, ... ) that I feel shamed letting people ride with me. I do not care about exterior much.
by wander
Fri Oct 13, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 73
Views: 36706

Re: Can't freeze credit at Experian?

I've done freezing me credit with all the reporting agencies. I did everything online without any issue. TU charged me $5.00. Other agencies did it for free. Now, I need to buy house without mortgage. Hate the hackers.
by wander
Thu Oct 12, 2017 9:28 pm
Forum: Personal Consumer Issues
Topic: SUV options with 3 little kids
Replies: 57
Views: 3580

Re: SUV options with 3 little kids

Minivan seems sensible. Mom can move back an forth from passenger seat anytime to assist them. Minivan has a smoother ride and slow acceleration. Shocks are not firm like SUV so it is more comfort for long distance trip.
by wander
Thu Oct 12, 2017 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: I need a better online checking w billpay and mobile check deposit
Replies: 34
Views: 2819

Re: I need a better online checking w billpay and mobile check deposit

I have been using Charles Schwab and happy. I also have an account with Navy Federal Credit Union; Their website works just like any online banking.
by wander
Thu Oct 12, 2017 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: How young is too young to retire.
Replies: 55
Views: 8529

Re: How young is too young to retire.

Never say to early to retire. I can't wait to declare financial independent and leave the rat race. I always have some things to do.
by wander
Mon Oct 09, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: So my mechanic said....
Replies: 31
Views: 5783

Re: Re:

You're backwards. Overdrive is for 99.99% of use. D is for dropping down a gear when towing or climbing hills. And it's really become a moot point now since (except for, ahem, Toyota) 4 speed autos haven't been widely used in more than 10 years. 6 is common, most have gone to 8 or 9, as well as mor...
by wander
Sun Oct 08, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: 2M savings investment help
Replies: 45
Views: 8539

Re: 2M savings investment help

You are doing very well at your ages. At this point, you can stay in cash and still be just fine.