Search found 2454 matches

by wander
Fri Jun 22, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Am I wasting money on my old car?
Replies: 28
Views: 2296

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: 28
Views: 2296

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: 144
Views: 39583

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: 130
Views: 13099

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: 106
Views: 8909

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: 106
Views: 8909

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: 1901

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: 1535

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: 456
Views: 100815

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: 456
Views: 100815

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: 6554

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: 2145

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: 24213

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: 5149

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: 6554

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: 13494

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: 50663

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: 4951

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: 1020

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: 1020

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: 5246

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: 1658

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: 3567

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: 3378

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: 3567

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: 51
Views: 3808

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: 1489

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: 12237

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: 12237

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: 2553

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: 12237

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.
by wander
Thu May 17, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: Car mileage, Fuel additives and other
Replies: 31
Views: 1527

Re: Car mileage, Fuel additives and other

I don't know about top tier or bottom tier. I fill gasoline where I need and usually at Wawa or BJs near where I live. Once in awhile, I pour a small bottle of injecton cleaner (or something like that) in the tank and call it a day. I don't know if it works or not, but it is not too expensive to thi...
by wander
Tue May 15, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: How much should I save before I start investing? and more
Replies: 13
Views: 2002

Re: How much should I save before I start investing? and more

You can start investing now with as low as $100. Just open an brokerage account with Schwab and start building your asset.
by wander
Tue May 15, 2018 5:58 am
Forum: Local Chapters and Bogleheads Community
Topic: How did you fall in love with investing?
Replies: 49
Views: 2949

Re: How did you fall in love with investing?

I consider investing is part of life, not too much about love.
by wander
Mon May 14, 2018 11:34 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 11645

Re: The front page is ugly

This came from a user who joined in February 2018. Many users have been here few dozen years without a single complain about the front page. It is effective.
by wander
Fri May 11, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Buying new car or buying used car
Replies: 91
Views: 5269

Re: Buying new car or buying used car

Exactly..... One can buy a rusted out 1991 Honda Civic for $750 or something and really be "smart" with their money. I don't need to drive a BMW for show but I also would feel embarrassed driving around in a rusted out 1991 Honda Civic. I'm happy to drive a 2014 Accord V6. Lots of interior space, a...
by wander
Thu May 10, 2018 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new car or buying used car
Replies: 91
Views: 5269

Re: Buying new car or buying used car

I think both camps have valid points. I bought a $25k old, have been driving 20+ years, 400k miles. The money I saved just for new car is invested and gains with the stock markets. Yes, I know it is boring, but I have no problem treating a car as a transportation tool. I could pay cash for new cars...
by wander
Thu May 10, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new car or buying used car
Replies: 91
Views: 5269

Re: Buying new car or buying used car

I think both camps have valid points. I bought a $25k old, have been driving 20+ years, 400k miles. The money I saved just for new car is invested and gains with the stock markets. Yes, I know it is boring, but I have no problem treating a car as a transportation tool. I could pay cash for new cars,...
by wander
Mon May 07, 2018 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: When did you start drawing profits from taxable?
Replies: 48
Views: 3424

Re: When did you start drawing profits from taxable?

We withdrew the money from taxable account a few years ago when we decided to payoff our only mortgage.
by wander
Fri May 04, 2018 4:18 am
Forum: Personal Finance (Not Investing)
Topic: Pay $2500 in rent or continue living at home
Replies: 91
Views: 6458

Re: Pay $2500 in rent or continue living at home

And that’s just YOUR personal opinion and I’m glad you are not my family. Yikes so judgemental. In many Asian cultures, kids live at home until they’re married. Sometimes this means they’re at home until 35. HOWEVER I’ve only been back home the past year or two. I lived alone and independently befo...
by wander
Thu May 03, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: How old is too old for a vehicle, even for a well running one ?
Replies: 83
Views: 5083

Re: How old is too old for a vehicle, even for a well running one ?

How old is too old? I've never asked myself that question. I just like driving my car until it cannot run anymore. I have not spent more than $500 on this car for each repair. I spend somewhere around $300 a year for maintenance. It's not by luck because I have to roll up sleeves and do a lot of mai...
by wander
Thu May 03, 2018 5:39 am
Forum: Personal Finance (Not Investing)
Topic: Pay $2500 in rent or continue living at home
Replies: 91
Views: 6458

Re: Pay $2500 in rent or continue living at home

You should move out next month.
by wander
Wed May 02, 2018 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: When/how did you start teaching your child about personal finance?
Replies: 34
Views: 2625

Re: When/how did you start teaching your child about personal finance?

My parents never taught me about finance, but I grew up well financially. They taught me to focus on education, help them with their business, and do charity.
by wander
Tue May 01, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 17852

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

I’d love to say that we’re returning the car... but we also really need a car! 😬 so... Can anyone even explain to me WHY someone with great credit would need a co-signer? That almost confuses me more than the fact that they want to go back on the deal... It could be his income is not so high compar...
by wander
Sun Apr 29, 2018 10:39 pm
Forum: Personal Consumer Issues
Topic: What Android browser do you use?
Replies: 44
Views: 2701

Re: What Android browser do you use?

Opera Mini
by wander
Sat Apr 28, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: When would you replace a car?
Replies: 34
Views: 3072

Re: When would you replace a car?

Unless you like to work on car, otherwise, it is about time to replace your Honda.
by wander
Fri Apr 27, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 6209

Re: Learning to drive stick

There is no reason to use the parking brake to start on a hill. :confused Using the parking brake is how you avoid unnecessary clutch slippage. Otherwise, as soon as you come off the brake, the car starts rolling backwards, and you have to slip the clutch to overcome the backwards momentum without ...
by wander
Fri Apr 27, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 6209

Re: Learning to drive stick

I drove stick or about 6 years before settled for automatic. Learning to drive a stick was easy. It took me about 10-15 minutes on my brother's beater. Once I was able to make left turn from small to a larger road, the rest was history. But, I didn't enjoy it much although I could handle the hills a...