Search found 2471 matches

by wander
Wed Aug 15, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6283

Re: Paper checks yes or no?

Yes, I am still using checks for church contribution although there is a new way to contribute it online but I don't like doing that. So at least 52 checks a year plus wedding events. Everything else is done online including HOA, utilities bilsl and property tax.
by wander
Mon Aug 13, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 35
Views: 1097

Re: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)

T-Mobile has free data roaming option. She can facetime with anyone for free as long she uses data.
by wander
Mon Aug 13, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 130
Views: 5918

Re: how much car can we afford?

Of course you can afford a $40k car. +1 OP - How is it that you make $300K/yr, have $650K in non-retirement savings, and somehow not know whether you can afford a $40K vehicle? You clearly should know the answer to this question. Of course you can. +1 Average Joe cannot make $300k a year, Op should...
by wander
Mon Aug 13, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 130
Views: 5918

Re: how much car can we afford?

Of course you can afford a $40k car. +1 OP - How is it that you make $300K/yr, have $650K in non-retirement savings, and somehow not know whether you can afford a $40K vehicle? You clearly should know the answer to this question. Of course you can. +1 Average Joe cannot make $300k a year, Op should...
by wander
Sun Aug 12, 2018 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 130
Views: 5918

Re: how much car can we afford?

I think the Op can afford the Bimmer as the cost is within reasonable range. Buy it and enjoy it.
by wander
Sun Aug 12, 2018 7:18 am
Forum: Personal Consumer Issues
Topic: Liability only car insurance and my car destroyed
Replies: 15
Views: 2606

Re: Liability only car insurance and my car destroyed

Do you have uninsured motorist coverage?
by wander
Sat Aug 11, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to stay in HCOL area?
Replies: 92
Views: 9156

Re: Can we afford to stay in HCOL area?

Op, I don't know how much can you guys tolerate. My rule of thumb is after the down payment, your monthly mortgage (including property tax) payment is less than 25% of your take home paid, then you can afford it. If not, then keep renting to save more for down payment.
by wander
Fri Aug 10, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 7722

Re: Should I tell my family/friend that they are making a financial mistake?

I usually do not pay attention on people's finance and do not care how people live their financial lives. But some of my in-laws came and ask for my advice. To answer your question, I should not tell my family/friend that they are making mistake and only talk when they approach me.
by wander
Fri Aug 10, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Should I pay 6000.00 to repair wife's car....
Replies: 77
Views: 4588

Re: Should I pay 6000.00 to repair wife's car....

Spending $6000 for an 8 year old car is not economical to me. It shows that your car is not very reliable. I would replace it with a more reliable brand.
by wander
Fri Aug 10, 2018 10:09 am
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 56
Views: 4861

Re: Vanguard Switch to Brokerage Accounts

Normally, I do not talk to any rep who calls me. If I need them to do something that I cannot handle on their website, I will call them.
by wander
Sat Jul 28, 2018 3:58 am
Forum: Personal Consumer Issues
Topic: How to make opened bottles of wine last longer
Replies: 38
Views: 2862

Re: How to make opened bottles of wine last longer

I use the Mason Jar and try to minimize air expose as much as I can.
by wander
Fri Jul 27, 2018 5:29 am
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 3866

Re: Suggest an electric car: Volt? Alternative?

Gti has 60k miles after 10 years. This is a good mechanic I trust, pretty inexpensive but certified and professional. Not dealer but also not a Sunday mechanic. Maybe I should get another opinion though. Thanks I would get a second opinion and would continue to drive it unless too much oil leaking....
by wander
Wed Jul 25, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 433
Views: 55440

Re: Flaunt Your High-Mileage Car

This thread comes up again. My 97 Nissan is now at 390k.
by wander
Tue Jul 10, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: What’s the median income of Bogleheads?
Replies: 29
Views: 3385

Re: What’s the median income of Bogleheads?

I think knowing the income of everyone does not mean anything. Anyone with any income who lives below your mean, can save money for investing can be a bogleheads. Comparing one's income to people's contributes to distraction.
by wander
Mon Jul 09, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 162
Views: 19800

Re: Replace car battery after X years or wait till it dies?

That makes no sense whatsoever. If the reason you have to use the battery jumper is because you've had cell reversal, then by definition that problem will happen to you. I am driving a car with 390k miles, I know what I am doing and do not replace stuffs randomly without checking. But, thanks for y...
by wander
Sat Jul 07, 2018 7:28 am
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 162
Views: 19800

Re: Replace car battery after X years or wait till it dies?

I only replace car battery when it is dead. But I always have battery jumper, which is the insurance, in my car. If you ever have the battery discharge completely and a couple of the cells reverse polarity, this won't help you. You'll be able to start the car, and it will die the second you unclip ...
by wander
Fri Jul 06, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 162
Views: 19800

Re: Replace car battery after X years or wait till it dies?

I only replace car battery when it is dead. But I always have battery jumper, which is the insurance, in my car.
by wander
Fri Jun 22, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Am I wasting money on my old car?
Replies: 34
Views: 3488

Re: Am I wasting money on my old car?

As someone who suffers from permanent back pain as a result of a car crash in which I wasn't at fault nor had I had any possible way of avoiding it, getting a newer vehicle that is constructed using high strength steel would be worth the upgrade. Had I been driving 96 corolla when I was rear ended ...
by wander
Fri Jun 22, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Am I wasting money on my old car?
Replies: 34
Views: 3488

Re: Am I wasting money on my old car?

No, you are not wasting on your old car.
by wander
Fri Jun 22, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 156
Views: 43588

Re: Is the first 100k really the hardest?

The hardest thing is not $100k but to get you committed to investing. The $100k or $1,000,000 is the outcome of continuation of investing.
by wander
Fri Jun 22, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 21234

Re: Can you retire on $2M?

In doing the math, it seems like if you're 40 with $2M you could possibly retire. $2M @ 8% interest annually for 40 years (die at 100 years old) yields you $161,000 annually. You may not draw $161,000 to start, maybe you draw $60,000 and therefore grow your overall pot over 40 years. Then again, if...
by wander
Thu Jun 14, 2018 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 109
Views: 10391

Re: I was rear ended and the other guy wants a payout!

There are cases where someone cuts in front of you and you cannot stop. If someone is in front of you for some period and you hit them, you were responsible for being able to stop. Good luck proving someone wasn't paying attention. If the case is large enough to warrant getting cell records, if som...
by wander
Thu Jun 14, 2018 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 109
Views: 10391

Re: I was rear ended and the other guy wants a payout!

The vehicle striking the rear of another vehicle while moving in traffic is ALWAYS at fault. Negative. I agree. That is a myth. If you were both in the same lane for a significant period of time, then it is true. I think you have to listen to both sides to actually know what really happened. For so...
by wander
Tue Jun 12, 2018 5:08 am
Forum: Personal Consumer Issues
Topic: 2018 RAV 4 or Camry
Replies: 28
Views: 2064

Re: 2018 RAV 4 or Camry

It's your car. You want to buy what is comfortable for you now. Your hip may never break. Why are you worrying on something that is not happening? When it happens, you can always replace with a new car.
by wander
Sun Jun 10, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Why large cap if small cap is better?
Replies: 20
Views: 1637

Re: Why large cap if small cap is better?

That's the reason why my portfolio has both large and small caps.
by wander
Sun Jun 10, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 504
Views: 109267

Re: Anyone regret paying off mortgage early?

We paid off our 15-year mortgage in 7 years and never looked back. Now we only need to pay property tax and do not have to worry about market up or down. If the market crashes tomorrow, our house is safe. Huh? Can you explain why you think so? How does market going up or down affects your monthly m...
by wander
Sun Jun 10, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 504
Views: 109267

Re: Anyone regret paying off mortgage early?

We paid off our 15-year mortgage in 7 years and never looked back. Now we only need to pay property tax and do not have to worry about market up or down. If the market crashes tomorrow, our house is safe.
by wander
Sun Jun 10, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: What commuter car provides the best long term financial value?
Replies: 84
Views: 7032

Re: What commuter car provides the best long term financial value?

Dottie57 wrote:
Sun Jun 10, 2018 10:02 am
Norton750 wrote:
Thu Jun 07, 2018 2:20 pm
I'm not sure why anyone is currently buying a non-plug-in Prius rather than a Prime. I guess if you've just got to have that fifth seat...
Not all homes come with plug-ins for electricity. That is why everyone doesn’t buy an EV.
+1.
Norton750, that's why.
by wander
Sat Jun 09, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: AT&T lower-cost data alternatives (is Sprint's $15/mth worth it)?
Replies: 27
Views: 2323

Re: AT&T lower-cost data alternatives (is Sprint's $15/mth worth it)?

T Mobile has a deal going for military or veterans where you get unlimited talk/text/data and free Netflix. First line $55, second $25, lines 3-6 $10 each. That includes all taxes and fees. If you or your spouse or either' family has a veteran or active duty member this plan is hard to beat. T-Mobi...
by wander
Fri Jun 08, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 26130

Re: Anyone Deleting Facebook?

Facebook Bug Made 14 Million Users’ Accounts Public A software bug made millions of private Facebook accounts publicly viewable last month, the social network announced on Thursday. In total, up to 14 million users around the world had their share settings on Facebook switched to “public.” The glit...
by wander
Fri Jun 08, 2018 12:04 am
Forum: Personal Consumer Issues
Topic: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?
Replies: 55
Views: 5397

Re: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?

One time it happened to me that the fan of the outside unit failed. It turned out one of the capacitor failed. The HVAC serviceman replaced it for $250. The other time, because the filter was clogged. Probably the system is not efficient and requires running all day long. You may need to check for l...
by wander
Thu Jun 07, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: What commuter car provides the best long term financial value?
Replies: 84
Views: 7032

Re: What commuter car provides the best long term financial value?

I think you should be the one who decides what makes sense for you. By narrow down to the list of cars that you feel comfortable to drive. Since you are driving a Sonic, you are accustomed to small car and high mpg, you can pick a few cars in the same category. It is very hard to beat what you curre...
by wander
Thu Jun 07, 2018 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13951

Re: Best Advice You Never Took

Best advice was from my coworker about buying Apple stocks when its iPod became so popular. I didn't take it as it was against my investing strategy.
by wander
Thu Jun 07, 2018 6:09 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 433
Views: 52959

Re: How much money do you want to retire?

What I want is too much, I cannot get it.
by wander
Tue Jun 05, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Fitting three young kids in the car...
Replies: 76
Views: 5323

Re: Fitting three young kids in the car...

The Chrysler Pacific hybrid battery is manufactured by LG Chem who makes many hybrid batteries including the Chevy Volt and Bolt. While the reliability of Chrysler is not exactly at the top of the charts the hybrid part, being manufactured by LG should not be a worry. I'm not worried as much about ...
by wander
Mon Jun 04, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: MS Office 2016 "The Operating System Is Not Presently Configured To Run This Application"
Replies: 11
Views: 1131

Re: MS Office 2016 "The Operating System Is Not Presently Configured To Run This Application"

Rob5TCP wrote:
Mon Jun 04, 2018 2:08 pm
Windows 7
I install it on Windows 7 Home Premium for more than a year already and haven't got any issue.
by wander
Mon Jun 04, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: MS Office 2016 "The Operating System Is Not Presently Configured To Run This Application"
Replies: 11
Views: 1131

Re: MS Office 2016 "The Operating System Is Not Presently Configured To Run This Application"

For the past few weeks - periodically MS Office comes up with the following message "The Operating System Is Not Presently Configured To Run This Application" Fine - did a google search and found the instructions on the MS Website. Two days later, same thing happens. I uninstall and then re-install...
by wander
Sat Jun 02, 2018 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Have $2.5M at 30, career advice needed
Replies: 49
Views: 5513

Re: Have $2.5M at 30, career advice needed

We do enjoy our jobs and very much enjoy working where we work now (both in high tech). From your post, you don't need my advice because you actually do better than me and sure do a lot better than many folks including Bogleheads. You guys love your jobs and can afford your life with that nice inco...
by wander
Fri Jun 01, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Should I fix the car or get rid of it?
Replies: 20
Views: 1768

Re: Should I fix the car or get rid of it?

Like you I like to buy new and keep car as long as I can. But I would not keep a car with blown head gasket. Fix or not is your choice, but you should get rid of it.
by wander
Fri Jun 01, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: I think I made an Traditional IRA mistake- Can it be fixed?
Replies: 60
Views: 3684

Re: I think I made an Traditional IRA mistake- Can it be fixed?

Under the section titled: "Married filing jointly with a spouse who is covered by a plan at work" I can take the full deduction (up to the amount of my contribution limit) since our joint income is under $186,000 or less. Assuming I'm reading this correctly. That's my understanding too. For an IRA ...
by wander
Fri Jun 01, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: Replaced beater car, oh how ever to regain feelings of financial superiority?
Replies: 29
Views: 3502

Re: Replaced beater car, oh how ever to regain feelings of financial superiority?

Mazda CX-5 is less than $30k and hardly a non frugal considering he drove his previous car for 14 years.
by wander
Fri Jun 01, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: I think I made an Traditional IRA mistake- Can it be fixed?
Replies: 60
Views: 3684

Re: I think I made an Traditional IRA mistake- Can it be fixed?

2018 IRA Contribution and Deduction Limits - Effect of Modified AGI on Deductible Contributions If You ARE Covered by a Retirement Plan at Work If Your Filing Status Is single or head of household And Your Modified AGI Is $63,000 or less --> Then You Can Take a full deduction up to the amount of yo...
by wander
Wed May 30, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: 13-year old Civic. Replace, or keep sinking money into it?
Replies: 52
Views: 4328

Re: 13-year old Civic. Replace, or keep sinking money into it?

If you cannot find out the overheating problem, you should just let it go. It's about time.
by wander
Mon May 28, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Have you ever overpaid your federal income tax bill?
Replies: 17
Views: 1566

Re: Have you ever overpaid your federal income tax bill?

When I was in college I forgot to claim a credit that was available. I got a nice letter from the IRS informing me that I had forgotten to take it and that they had amended the return on my behalf, along with a check for something like $800. Which was a lot to me at the time. Nice folks over there....
by wander
Sun May 27, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12724

Re: done with Gmail

Problem with some websites is that eventually even when you enter correct password, they still ask you about secret questions and each site has its own questions. I can tell you that I cannot remember all my passwords and secret questions ... Or if my phone is lost and I cannot have access to Authen...
by wander
Sun May 27, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12724

Re: done with Gmail

Op, I can show you the way to safely update your password next time using keepass. First, duplicate the old password, and add "New" to the title. After generate the new pass with keepass, save it, change the password on the web site, after done changing the password, try to log in with new password;...
by wander
Tue May 22, 2018 6:21 am
Forum: Personal Consumer Issues
Topic: Time For New Car?
Replies: 34
Views: 2685

Re: Time For New Car?

The car has another issue right now where it makes some clunking sounds when turning, which I suspect might be the side engine mount. This probably another $400 repair. The car otherwise runs just fine, but starting to show its age as the hood/roof/trunk all have fading paint. It maybe just a tie r...
by wander
Mon May 21, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12724

Re: done with Gmail

It sounds like a user's problem. I have been using Gmail from the day its Email came out and never had to contact them for Email recovery.