Search found 2501 matches

by wander
Sun Oct 14, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 53
Views: 5129

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: 1298

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: 36699

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: 12573

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: 4636

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: 5765

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: 2205

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: 619
Views: 75320

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: 925

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.
by wander
Tue Sep 25, 2018 11:28 pm
Forum: Personal Consumer Issues
Topic: Water filters and vacuum cleaners.
Replies: 13
Views: 1436

Re: Water filters and vacuum cleaners.

Aqualiv is my choice.
by wander
Wed Sep 12, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: 2005 honda accord door problems
Replies: 30
Views: 1036

Re: 2005 honda accord door problems

Can you open it with a key? Can you deal with not having ability to unlock door with key fob?
by wander
Tue Sep 11, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 10238

Re: Anyone else not save for cars?

I will sell my mutual fund for new car when it happens.
by wander
Tue Sep 11, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 60
Views: 3995

Re: How often do you guys get alignment done on your cars?

I got alignment for my car several times. It's event-driven, when I replace rack and pinion, inner or outer tie rods. But I purchased lifetime alignment package so it technically has paid for itself.
I don't need alignment after tire rotation.
by wander
Mon Sep 10, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 89
Views: 7478

Re: Amazon Prime - Value?

I used to have prime but I cancelled because its prime movie selection was not so great and I didn't watch videos and listen music that much. I use that $120 a year for something else. When I need something, I place it in the shopping basket, and when I have something elses later I add it to get fre...
by wander
Sat Sep 08, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Bose Noise Cancelling Headphones
Replies: 77
Views: 8707

Re: Bose Noise Cancelling Headphones

Supposedly Bose are the best at noise cancelling, although there are better headphones for audiophiles in the same price range such as the Hifiman HE400S Full-Size Planar Headphones. They make an airplane trip much more enjoyable. They are great when someone is vacuuming or blowing leaves (or you a...
by wander
Sat Sep 08, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: What will you do when you find you have more money than expected?
Replies: 91
Views: 9873

Re: What will you do when you find you have more money than expected?

flyingaway wrote:
Mon Sep 03, 2018 10:35 pm
(1) Upgrade your lifestyle and spend more money; or
(2) Maintain your lifestyle (more or less), leave the additional money to children or charities?
We can do both!
by wander
Thu Sep 06, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Phone Calls from Windows saying computer has Malware
Replies: 40
Views: 2161

Re: Phone Calls from Windows saying computer has Malware

Easy, I would just hang up the phone. Don't have time for it. I only talk to someone if I am the one who make the call.
by wander
Wed Sep 05, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey actually suggested borrowing money?
Replies: 38
Views: 3831

Re: Dave Ramsey actually suggested borrowing money?

Am I dreaming? In yesterday's hour 3 call, a caller owed $6800 on a car that is worth $5000. The car needed a new engine that would cost ~$1300. I listened to this twice to make sure I heard this correctly, but DR actually suggested taking a $2000 loan to cover the negative car equity, and another ...
by wander
Wed Sep 05, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: Walmart is not Amazon
Replies: 54
Views: 6829

Re: Walmart is not Amazon

I bought and returned an item I bought at Walmart. I don't recall having any problem except that some folks at customer service didn't know how to accept the return. But it went fine and I got a refund in my credit card account. One issue is there is no one at the online pickup section so it takes a...
by wander
Sat Sep 01, 2018 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Contemplating trading in a 2-year old car with <25k miles...
Replies: 23
Views: 1773

Re: Contemplating trading in a 2-year old car with <25k miles...

Financially, it's a bad idea. But if you absolutely hate the vehicle or the seat, then perhaps you need a change. Have you considered just changing the seat? There are specialty shops who mostly cater to enthusiasts who have showrooms with aftermarket seats. A replacement seat is a heck of a lot ch...
by wander
Sat Sep 01, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 7113

Re: Daily Driver (Car) Over 100K Miles?

I will drive it until it gives up or I give up.
by wander
Sat Sep 01, 2018 6:31 am
Forum: Personal Finance (Not Investing)
Topic: What is your stealth way to save monthly?
Replies: 87
Views: 9682

Re: What is your stealth way to save monthly?

We do not have a stealth way. After maximizing all the retirement accounts, we spend the extra for normal daily expenses and then invest the left over in taxable account. Saving is good, but we have to live fullness for today too.
by wander
Wed Aug 29, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Microsoft adding stock quote functionality to Excel
Replies: 12
Views: 3547

Re: Microsoft adding stock quote functionality to Excel

I've been using Google spreadsheet, free and easy to implement.
by wander
Wed Aug 29, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: Minivan for family of 4.
Replies: 34
Views: 2958

Re: Minivan for family of 4.

I rented a Pacifica a few months ago. I couldn't easily find out if the plug in hybrid has stop and start, but I would think twice about it if it does. We wound up swapping the minivan out for another vehicle because there was a very strong vinegar/foot odor smell that was making us physically sick...
by wander
Tue Aug 28, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 11988

Re: How do you 7 figure guys organize multiple accounts?

I use Google spreadsheet to manage our accounts with 6 different financial firms. I keep all the numbers on the spreadsheet and let it updates by itself. Every month, I update with new purchased shares and re rebalance as needed. It is very simple as all the formulas do the work for me. I am thinkin...
by wander
Tue Aug 28, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Cars... just another tool unless your a tool.
Replies: 28
Views: 2642

Re: Cars... just another tool unless your a tool.

I respect people's decisions to buy and drive what they like. A car will be stuck with them for many years so it is important to be happy. I happen to drive an old car with 400k miles but I do not pay attention on what people are driving. Actually, I don't know what cars people are driving and who o...
by wander
Fri Aug 24, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: What would you do - Car Question
Replies: 41
Views: 2957

Re: What would you do - Car Question

Your Sequoia didn't die. It sufferred neglect! This is minor issue that would take about an hour to fix. Maybe a little more including a trip to the store. Fix it, drive it, and take your time shopping for a new vehicle - if you decide you want one. But don't pretend the Sequoia has to go to a junk...
by wander
Wed Aug 15, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6798

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: 50
Views: 2496

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: 6520

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: 6520

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: 6520

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: 2838

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: 9601

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: 8095

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: 4943

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: 60
Views: 6079

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: 3016

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: 4139

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: 56823

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: 3465

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: 20434

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: 20434

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: 20434

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: 3621

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: 3621

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: 44442

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.