Search found 2613 matches

by wander
Wed Jan 16, 2019 10:02 am
Forum: Personal Finance (Not Investing)
Topic: A co-worker makes more than me
Replies: 77
Views: 6361

Re: A co-worker makes more than me

I am in the same situation. But I am happy with where I am financially and am happy for my co-worker too.
by wander
Sun Jan 13, 2019 8:58 pm
Forum: Investing - Theory, News & General
Topic: Medallion Signature guarantee?
Replies: 46
Views: 4327

Re: Medallion Signature guarantee?

Navy Federal Credit Union provides this service for free.
by wander
Fri Jan 11, 2019 12:56 am
Forum: Investing - Theory, News & General
Topic: Around 43K in dividends last year - feel good about it ?
Replies: 156
Views: 12013

Re: Around 43K in dividends last year - feel good about it ?

You should feel terrible about the $14K in taxable dividends. Terrible? Seriously? Sometimes I think some people on this forum live in an alternate universe. You should feel proud. That is an excellent accomplishment. Your total dividends is more than my annual salary. Keep up the good work. I agre...
by wander
Wed Jan 09, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: Expensive DSLR through airport security
Replies: 45
Views: 2983

Re: Expensive DSLR through airport security

I brought my DSLR camera in carry-on luggage to Europe last year. Nobody asked any question at the TSA security check point.
by wander
Wed Jan 09, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: Fender Bender backing out of garage. File a claim with insurance?
Replies: 21
Views: 1500

Re: Fender Bender backing out of garage. File a claim with insurance?

bob60014 wrote:
Wed Jan 09, 2019 10:15 am
Just pay out of pocket, especially as its minor damage and doesn't involve another party.
+1. I would do the same.
by wander
Wed Jan 09, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 48
Views: 3128

Re: Car Battery

Namashkar wrote:
Tue Jan 08, 2019 5:00 pm
I am not good at auto things, would I just uncable one terminal and if so which one (+ or -)?
That’s fine. Just remove the cable connecting to the negative battery post should do it. You will lose clock time, counter, radio stations... but it is no big deal.
by wander
Tue Jan 08, 2019 9:23 am
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 177
Views: 9212

Re: Which Compact SUV Should I Buy?

Meg, I have read a few of your threads/responses and my impression is that your bright, level headed and financial astute. My wife loved her Honda hatchback but they quit making those wagons. She moved up to SUV Mercedes (the little one) really liked sitting higher up. The other day we went car sho...
by wander
Sun Jan 06, 2019 12:11 am
Forum: Personal Consumer Issues
Topic: Best way to move on from pricy car?
Replies: 35
Views: 2295

Re: Best way to move on from pricy car?

I think you should keep driving it. It is just a small matter. But, make sure the dealer actually fixed it, don't let them run around refusing to fix and ignoring it ( I think they don't but I rather mention it). Because if you listen to their explanation thinking there is nothing wrong, later on, w...
by wander
Sat Jan 05, 2019 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20180

Re: $40,000 in debt, bankruptcy seems to be the best option right now

Op, you are one of the typical persons that should attend the Financial Peace University class. I've have attended one but I heard people find it helpful. You have to tackle all the debts you currently have, one by one. I hope you find the way out, and will get better from here.
by wander
Fri Jan 04, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: Which iPhone: 8 or XR?
Replies: 45
Views: 3119

Re: Which iPhone: 8 or XR?

WhiteMaxima wrote:
Fri Jan 04, 2019 4:41 pm
Still use my SE. What things XR that my SE can't do? I just changed SE battery at Apple recall cost. It performs like new.
XR can do Face ID that the SE is missing. But I don’t think many people care.
by wander
Fri Jan 04, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Which iPhone: 8 or XR?
Replies: 45
Views: 3119

Re: Which iPhone: 8 or XR?

iPhone 8 screen size is 4.7 while IPhone XR is 6.1. If compare between IPhone XR and IPhone 8 Plus (screen size: 5.5), IPhone 8 screen size is smaller but has higher resolution which is better than the XR. The difference is between 326 dpi and 401 dpi or the screen is better on IPhone 8 Plus than an...
by wander
Fri Jan 04, 2019 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Ever wonder if you are saving Too Much?
Replies: 67
Views: 5267

Re: Ever wonder if you are saving Too Much?

I rather save more so I can be financial independent when we want. Who knows what will happen to me tomorrow that I may become disabled (car accident, for example) preventing from taking care of my family. Disability does not care if I am 20s, 30s or 60s. The earlier I get to FI , the better outcome...
by wander
Thu Jan 03, 2019 5:13 pm
Forum: Personal Consumer Issues
Topic: Adding spouse to deed
Replies: 15
Views: 816

Re: Adding spouse to deed

I added my spouse to the deed through a title service company.
by wander
Thu Jan 03, 2019 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 714
Views: 92053

Re: How much money do you want to retire?

At 60 with insurance and enough 25 years of expenses + SS + Pension. How do you determine what is enough for 25 years of expenses? A serious question. Last year * 25 or a more detailed analysis? Every year, we receive spending report from our credit cards. That's our starting point. We add all the ...
by wander
Wed Jan 02, 2019 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Does this car repair quote seem reasonable???
Replies: 19
Views: 1341

Re: Does this car repair quote seem reasonable???

Did you mean engine oil leak or transmission fluid? Oil leak has nothing to do with transmission gasket. And why does it need alignment?
by wander
Wed Jan 02, 2019 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 714
Views: 92053

Re: How much money do you want to retire?

At 60 with insurance and enough 25 years of expenses + SS + Pension.
by wander
Wed Jan 02, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: Uber/Lyft where do you sit?
Replies: 42
Views: 3970

Re: Uber/Lyft where do you sit?

Always in the rear seat. Just a habit so I can get out either sides.
by wander
Wed Jan 02, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones for plane trips, advice?
Replies: 62
Views: 2993

Re: Noise cancelling headphones for plane trips, advice?

Can't travel without my QC35. Listen to music during flights, with the noise, I only need to turn volume up to 3 or 4 out of 10 levels.
by wander
Sun Dec 30, 2018 10:53 am
Forum: Local Chapters and Bogleheads Community
Topic: My favorite Boglehead posters
Replies: 142
Views: 8055

Re: My favorite Boglehead posters

retiredjg
Taylor Larimore
Rick Ferri
livesoft
nisiprius
grabiner
Toons
sscritic
chaz
Retired at 48
EmergingDoc
House Blend

And many more. Some are not active any more, some were actually holding my hands helping me during my early days of investing. :D
by wander
Sun Dec 30, 2018 10:06 am
Forum: Investing - Help with Personal Investments
Topic: any reason not to sell my REIT (VNQ)
Replies: 13
Views: 1039

Re: any reason not to sell my REIT (VNQ)

28fe6 wrote:
Sun Dec 30, 2018 9:58 am
I'm surprised at the responses with so little information provided. Is there a consensus that REITs are unilaterally universally bad? I was just considering buying some.
I think the information is sufficient enough to decide on REIT: the Op invests 100% in taxable.
by wander
Sun Dec 30, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 903
Views: 232684

Re: Share your net worth progression

2011: $2,056 age 25 2012: $1,258 2013: $32,335 2014: $48,786 2015: $166,877 2016: $235,574 2017: $342,958 age 31 I record this every October (just an arbitrary month my wife and I chose) so I’ll add another year on in a couple months. This number does include our house value however it uses the 370...
by wander
Sun Dec 30, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 903
Views: 232684

Re: Share your net worth progression

2011: $2,056 age 25 2012: $1,258 2013: $32,335 2014: $48,786 2015: $166,877 2016: $235,574 2017: $342,958 age 31 I record this every October (just an arbitrary month my wife and I chose) so I’ll add another year on in a couple months. This number does include our house value however it uses the 370...
by wander
Sun Dec 30, 2018 9:51 am
Forum: Investing - Help with Personal Investments
Topic: I'm out, should I jump right back in?
Replies: 26
Views: 3451

Re: I'm out, should I jump right back in?

Yes, in fact, I would try to never leave the market. If I am out, I will jump back in quickly.
by wander
Sat Dec 29, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: How to Shop Around and Negotiate Car Repair?
Replies: 24
Views: 1121

Re: How to Shop Around and Negotiate Car Repair?

If it is the knock sensor problem, you will get the code P0325. It is the knock sensor alright because this thing fails quite often and the shop will not troubleshoot for you unless the error code does not go away after replacement. So, you want to hope that is the problem. Yes, there is a way to t...
by wander
Sat Dec 29, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: How to Shop Around and Negotiate Car Repair?
Replies: 24
Views: 1121

Re: How to Shop Around and Negotiate Car Repair?

If it is the knock sensor problem, you will get the code P0325. It is the knock sensor alright because this thing fails quite often and the shop will not troubleshoot for you unless the error code does not go away after replacement. So, you want to hope that is the problem. Yes, there is a way to t...
by wander
Sat Dec 29, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: How to Shop Around and Negotiate Car Repair?
Replies: 24
Views: 1121

Re: How to Shop Around and Negotiate Car Repair?

If it is the knock sensor problem, you will get the code P0325. It is the knock sensor alright because this thing fails quite often and the shop will not troubleshoot for you unless the error code does not go away after replacement. So, you want to hope that is the problem. Yes, there is a way to te...
by wander
Sat Dec 29, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9289

Re: What common everyday inconvenience have you intentionally suffered for frugality?

Curious to see some examples. No judgement! Some of mine: -Haven't replaced car battery for few months so instead of having keyless entry/start, now I have to take out manual key from keyfob and insert keyfob that happens to be under the center console every time. A real hassle when you have full h...
by wander
Fri Dec 28, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2362

Re: Why do people buy- performance cars?

Performance cars help a lot if you drive through national parks with many up and down hills. It is huge different between a 1.6 and 5.0 litter engines.
by wander
Thu Dec 27, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9289

Re: What common everyday inconvenience have you intentionally suffered for frugality?

1 bath for 3 people. 1 car for the family. Share a roof with another unit we rent out. Same here. Also, we share a toothbrush since there is never more than one person brushing at once. But make sure the water is hot when you rinse it off. I think this is a joke. I myself have a several toothbrushe...
by wander
Thu Dec 27, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9289

Re: What common everyday inconvenience have you intentionally suffered for frugality?

No sarcasm, everything I wrote happened. I never considered the safety hazard, perhaps I should’ve. I was the only driver of this car. I used to drive a car where the floor began to rust out and a hole developed, you could see the road. If I drove through a puddle it would sometimes splash up at me...
by wander
Thu Dec 27, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9289

Re: What common everyday inconvenience have you intentionally suffered for frugality?

squirm wrote:
Thu Dec 27, 2018 11:23 am
all sorts of things, for example, haven't changed the oil on our car yet, it's now -2000 miles since it's due...oh well, time is tight...i'll get to it when i can. other priorities.
I hope I am not buying your car.
by wander
Wed Dec 26, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9289

Re: What common everyday inconvenience have you intentionally suffered for frugality?

Curious to see some examples. No judgement! Some of mine: -Haven't replaced car battery for few months so instead of having keyless entry/start, now I have to take out manual key from keyfob and insert keyfob that happens to be under the center console every time. A real hassle when you have full h...
by wander
Fri Dec 21, 2018 2:34 am
Forum: Investing - Help with Personal Investments
Topic: Help. Over contributed to Roth IRA
Replies: 18
Views: 846

Re: Help. Over contributed to Roth IRA

Happened to me with Schwab before, a telephone call solved the problem.
by wander
Wed Dec 19, 2018 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do once you hit your target number?
Replies: 49
Views: 5403

Re: What did you do once you hit your target number?

When I hit my target number, I will increase my expense as long it is still 3% of the portfolio.
by wander
Wed Dec 19, 2018 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Don't put in stocks what you can't afford to lose? Really?
Replies: 16
Views: 2126

Re: Don't put in stocks what you can't afford to lose? Really?

If you are saving money for house down payment, say next year, then you should not be in stocks at all. That's something you can't afford to lose.
by wander
Wed Dec 19, 2018 5:58 pm
Forum: Personal Consumer Issues
Topic: Math: How much would you spend to repair this car?
Replies: 53
Views: 2368

Re: Math: How much would you spend to repair this car?

It sounds to me like a good reason to replace the car. You can buy new car with cash, then it is even easier.
by wander
Wed Dec 19, 2018 3:44 pm
Forum: Investing - Theory, News & General
Topic: I feel cheated, saved too much in 401K vs cash.
Replies: 74
Views: 10053

Re: I feel cheated, saved too much in 401K vs cash.

I think if you only invest only money market in a 401k, then it may makes sense. If you invest in stock funds that has doubled, tripled last few decades, then you should be glad that you didn't have to pay annual tax in taxable accounts last few decades. FWIW, one of my relatives think similar to th...
by wander
Wed Dec 19, 2018 3:37 pm
Forum: Investing - Theory, News & General
Topic: I feel cheated, saved too much in 401K vs cash.
Replies: 74
Views: 10053

Re: I feel cheated, saved too much in 401K vs cash.

I'm 66 and am regretting I have put too much in IRA and 401k, and not enough in Roth and taxable. My tax rates are higher now than in many of my working years. I wish someone had told me when I was younger that the order of investment is: 401k up to the match, HSA (If eligible), Roth, and taxable. ...
by wander
Tue Dec 18, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Omega watch expenses
Replies: 33
Views: 2366

Re: Omega watch expenses

My wife bought me a Constellation perpetual calendar 20 years ago on our 10th wedding anniversary. I’ve worn this watch every day. Every 2-3 years the second hand starts to jump, indicating low battery. So I send it in to a Swiss watch repair center in Illinois and they replace the battery and do s...
by wander
Tue Dec 18, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: How much do you pay for cable/internet/cellphone
Replies: 95
Views: 5716

Re: How much do you pay for cable/internet/cellphone

$80 for everything including cell phones and internet. No cable service, free OTA TV reception. No prime, no Hulu or whatsoever.
by wander
Sun Dec 16, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Schwab to another bank
Replies: 36
Views: 1836

Re: Moving from Schwab to another bank

Easy, just open an account at any local bank for cases when you need to deposit cash, then transfer between it and Schwab bank. Transfer money between banks are so easy just like between internal accounts.
by wander
Sun Dec 16, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 89
Views: 5341

Re: [Anyone drop cable for YouTube TV?]

Earl Lemongrab wrote:
Sun Dec 16, 2018 12:59 pm
wander wrote:
Sun Dec 16, 2018 12:46 pm
We dropped cable for OTA TV. Completely free.
What do you use for a DVR? How many simultaneous recordings can it do?
This
by wander
Sun Dec 16, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 89
Views: 5341

Re: [Anyone drop cable for YouTube TV?]

We dropped cable for OTA TV. Completely free.
by wander
Sun Dec 16, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire
Replies: 126
Views: 10115

Re: Can I retire

Op, you can retire, but not now.
by wander
Sun Dec 16, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Raspberry pi or starting an 11 year old with programming
Replies: 21
Views: 1730

Re: Raspberry pi or starting an 11 year old with programming

Was thinking of getting a raspberry pi for my almost 12 year old. She is strong in math but by virtue of us not having any computer programming expertise she's had no exposure to that. She has the typical 11 year old facility with phones and tablets but how could I affordably and with a light touch...
by wander
Sun Dec 16, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire
Replies: 126
Views: 10115

Re: Can I retire

How can someone spend 250k a year in living expenses? Maybe I/we need to spend more but there is no way I can see use spend 250k per year! What am I missing? (Just curious if my calculations are wrong and in no way trying to shame anyone) Is it really so hard to imagine that other people could spen...
by wander
Thu Dec 13, 2018 11:08 pm
Forum: Personal Consumer Issues
Topic: Is a New Car Okay if Driven 15+ Years?
Replies: 91
Views: 7436

Re: Is a New Car Okay if Driven 15+ Years?

Op, just buy a new car and let your husband do the maintenance.
by wander
Wed Dec 12, 2018 1:42 pm
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 249
Views: 20294

Re: What Happened to you during the Financial crisis of 2007–2008

I kept buying and buying and also told some of my friends to do the same. Now, my 401k is 5 times larger than the low points. It's not much but that proves staying the course works.
by wander
Sat Dec 08, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: Root Canal - dentist or endodontist
Replies: 47
Views: 3666

Re: Root Canal - dentist or endodontist

Do you also need a bone graft? When the abscess was discovered I had a lot of bone loss (it was deep in my upper jaw, never had much pain) and I'm now waiting for the graft to heal. In hindsight, when I was a teen the family dentist that did the root canal work brushed off my voicing of discomfort....