Search found 2490 matches

by wander
Wed Sep 12, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: 2005 honda accord door problems
Replies: 30
Views: 976

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: 9822

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: 59
Views: 3476

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: 70
Views: 5129

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: 69
Views: 7725

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: 9637

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: 2073

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: 3734

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: 6710

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: 1707

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: 6851

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: 9492

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: 3290

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: 2865

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: 11709

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: 2587

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: 2871

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: 6755

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: 2421

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: 6469

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: 6469

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: 6469

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: 2730

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: 9515

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: 8049

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: 4855

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: 5719

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: 2997

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: 4025

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: 56310

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: 3424

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: 20184

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: 20184

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: 20184

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: 3563

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: 3563

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: 44106

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: 21599

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: 10581

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: 10581

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: 2135

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: 1706

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: 111125

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: 111125

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: 7196

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: 2381

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: 27154

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: 5511

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...