Search found 2378 matches

by wander
Sat Feb 17, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 78
Views: 10580

Re: Doctor wants Social Security number

I never had problem with not providing my SSN at doctor's or dentist's offices. Just because the SSN line is on the form, it doesn't mean that you have to provide it. Or because people ask you a question, it doesn't mean you always have to answer.
by wander
Fri Feb 16, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 549
Views: 57673

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

livesoft wrote:
Fri Feb 16, 2018 9:57 am
Did you not ask? Did they refuse to grant your wish?
No, I have not sold share yet, but it seems paying is inevitable.
by wander
Fri Feb 16, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 76
Views: 4246

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

If you often have many passengers in your car and afraid that they are not covered in case of accident when other driver does not have insurance or his/her insurance refuses to pay your legitimate claim, then you need this insurance. I personally do not have this insurance and do not feel there is a...
by wander
Fri Feb 16, 2018 9:43 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 549
Views: 57673

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Not nice, they trap me into free Vanguard ETFs and now charge when I sell them. They should have advertised "50% discount".
by wander
Thu Feb 15, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 88
Views: 6523

Re: Honda vs. Toyota: Which has more bang for the buck?

I think this is not a good topic to compare the two very good brands.
by wander
Thu Feb 15, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6497

Re: PSA: Bank of America now charges $12/month for checking

What's the upside of using BoA over your local credit union? (legit question) If you travel a lot and need to get cash from an ATM machine and you bank with BofA, it's easier to find local BofA than your local credit union away from home. But I think many credit unions offer free ATM within their n...
by wander
Thu Feb 15, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6497

Re: PSA: Bank of America now charges $12/month for checking

ImUrHuckleberry wrote:
Wed Feb 14, 2018 9:00 pm
You don't need to go inside a bank to use a bank.
I thought so too but Vanguard sometimes requires medallion signature and getting this free service from the bank is very handy.
by wander
Thu Feb 15, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6497

Re: PSA: Bank of America now charges $12/month for checking

finite_difference wrote:
Wed Feb 14, 2018 11:26 pm
I thought Wells Fargo took over that role :twisted:
Somehow, I always have good experience with Wells Fargo. I mostly do online banking with the bank but we have to come to one of its branches once or twice a year for some transactions that can only be taken care by a teller.
by wander
Sun Feb 11, 2018 10:45 pm
Forum: Personal Consumer Issues
Topic: Does it ever make sense to buy a new car?
Replies: 103
Views: 6401

Re: Does it ever make sense to buy a new car?

Buy a new nice car that you want to keep for a long time. I bought my car new and still drive it today after 22 years. I don't care much about resale value.
by wander
Tue Feb 06, 2018 4:02 am
Forum: Personal Consumer Issues
Topic: Washer/Dryer longevity ?
Replies: 69
Views: 5774

Re: Washer/Dryer longevity ?

I have a washer/dryer set for 20+ years. It seems old enough and I would buy a new one when it happens.
by wander
Mon Feb 05, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Internet Speed 15Mbps okay ?
Replies: 27
Views: 1908

Re: Internet Speed 15Mbps okay ?

15Mbps can handle Netflix easily up to HD movies. But, I think Netflix recommends 25 Mbps for Ultra HD contents. You can always try and switch back to higher speed if it does not work for you.
by wander
Mon Feb 05, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: New car - how much can we afford?
Replies: 78
Views: 5556

Re: New car - how much can we afford?

Op, you have good salary and are good with saving. You can afford any regular car you want and even some luxury models. For 1 - 2 kids, I think a full size sedan is more than enough for whole family; With 3 kids, I prefer a minivan than full size SUV but it's personal choice.
by wander
Thu Jan 25, 2018 12:27 am
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 8520

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

I don't remember when I got the phone but I am still using Iphone 5S. I replaced the battery 2nd time recently because the battery I replaced 6 months ago failed. I have no plan to replace it now.
by wander
Thu Jan 25, 2018 12:17 am
Forum: Investing - Help with Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 6032

Re: Your bond allocation when you were 48

At 48, 75/25 (Stock/Bond).
by wander
Wed Jan 24, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 16251

Re: Dear wife quits job and now we are down to 1 income

I don't know about you but $5.5k a month expense is quite high and easy to cut it down if you try.
by wander
Mon Jan 22, 2018 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Pull back on retirement saving to increase savings for kids' college?
Replies: 31
Views: 2437

Re: Pull back on retirement saving to increase savings for kids' college?

I wouldn't be worried too much on saving for kid's college. With your current saving amount and contribution, in 20 years, you will have more than enough money to pay for your kid's education whichever school they go.
by wander
Sat Jan 20, 2018 11:00 pm
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 82
Views: 4879

Re: Post Your Morningstar Box Style

V C G
L 17 16 14
M 09 10 09
S 08 09 08
by wander
Sat Jan 20, 2018 1:07 am
Forum: Personal Consumer Issues
Topic: Buying a car? [Need help with strategy for purchasing a used car]
Replies: 40
Views: 4323

Re: Buying a car?

If you don't care about look, you can have the shop replaced the radiator, front bumper and lights. They can do that for less than $1000. Don't bring it to auto body shop, but to an auto repair shop instead and let them know your intention.
by wander
Thu Jan 18, 2018 11:52 pm
Forum: Personal Consumer Issues
Topic: How do you adjust side mirrors in a car?
Replies: 61
Views: 3675

Re: How do you adjust side mirrors in a car?

I don't understand why many cars change lane very close to the front of my car and I have to hit the brake to slow down to maintain safe distance but they seem don't notice. I guess they change lane using only mirror. There is a notice on many mirrors "Objects in mirror are closer than they appear."
by wander
Thu Jan 18, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Premium gas at BJ's for Mercedes
Replies: 42
Views: 2140

Re: Premium gas at BJ's for Mercedes

I have been filling up gas at BJs. Never had a problem.
by wander
Thu Jan 18, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: How do you adjust side mirrors in a car?
Replies: 61
Views: 3675

Re: How do you adjust side mirrors in a car?

Sitting in my driver seat, I cannot see blind spot on side mirror and I am not trying to see. I attached a 2" blind spot mirror and call it a day. Your way is fine, my way is fine too.
by wander
Thu Jan 18, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: How will or might nonprofits be affected by tax law changes?
Replies: 36
Views: 1888

Re: How will or might nonprofits be affected by tax law changes?

I can't speak for everyone, but the change in standard deduction does not reduce the amount we give yearly.
by wander
Wed Jan 17, 2018 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 401k Loan?
Replies: 43
Views: 2167

Re: Take a 401k Loan?

I would not borrow money from 401k nor max out the 401k contribution. I would just contribute up to company match and no more after that then use the extra money to pay the debt.
by wander
Wed Jan 17, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: How to overcome the fear of spending money? (Buying a car)
Replies: 55
Views: 3844

Re: How to overcome the fear of spending money? (Buying a car)

If you can afford it and pay with cash, then go ahead with the purchase.
by wander
Wed Jan 17, 2018 11:02 pm
Forum: Personal Consumer Issues
Topic: Car/Motorcycle Jump Starter?
Replies: 17
Views: 802

Re: Car/Motorcycle Jump Starter?

emanuel_v19 wrote:
Wed Jan 17, 2018 10:04 pm
wander wrote:
Wed Jan 17, 2018 7:07 pm
I bought one for all of my cars at Costco. It has no problem starting up my V8.
Do you happen to know which model it was?
Yes, the model is PSX3. I've used it for about 3 years and it is still working fine.
by wander
Wed Jan 17, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA - GEHA Contribution Question for 2018
Replies: 2
Views: 292

Re: New HSA - GEHA Contribution Question for 2018

Jb11 wrote:
Wed Jan 17, 2018 5:00 pm
does that mean that this year I can deposit an extra $125 to make up for the fact that they didn’t deposit anything in January 2018,
No, they will contribute that $125 in 2019 for 2018.
by wander
Wed Jan 17, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: Car/Motorcycle Jump Starter?
Replies: 17
Views: 802

Re: Car/Motorcycle Jump Starter?

I bought one for all of my cars at Costco. It has no problem starting up my V8.
by wander
Mon Jan 15, 2018 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: pay off 401k loan or not?
Replies: 17
Views: 1290

Re: pay off 401k loan or not?

Check with the firm that is taking care of your 401k. I used to borrow money from my 401k account and quit the job, I was able to readjust and instead of taking money from my paycheck, the firm takes money from my checking account. Early withdrawal issue never was a problem.
by wander
Mon Jan 15, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: Selling one owner car. Give new owner service records?
Replies: 15
Views: 1257

Re: Selling one owner car. Give new owner service records?

gypsyman wrote:
Mon Jan 15, 2018 9:32 pm
When I sell it and advertise these facts, do I let they new owner view the service copies or give the copies to them? Any potential issues by letting them have the records?
Giving car history record is a great news for the new owner.
by wander
Mon Jan 15, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 53
Views: 4917

Re: A "Home" cell phone?

I'd like to call home because my spouse's phone is often muted. The landline phone will ring.
by wander
Sun Jan 14, 2018 9:15 pm
Forum: Investing - Theory, News & General
Topic: Morningstar Premium for $99
Replies: 33
Views: 2989

Re: Morningstar Premium for $99

G-Force wrote:
Sun Jan 07, 2018 8:37 pm
Which brokerage offers it for free?
T.Rowe Price.
by wander
Sun Jan 14, 2018 8:31 pm
Forum: Investing - Theory, News & General
Topic: International Small-cap Value Funds ??
Replies: 55
Views: 5341

Re: International Small-cap Value Funds ??

DDLS
DIM
DLS
PDN
IDHQ
by wander
Sun Jan 14, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: AA is much harder than I thought...
Replies: 45
Views: 4978

Re: AA is much harder than I thought...

Easy, just buy a target retirement or Vanguard Life Strategy fund that has the AA you want and leave it alone.
by wander
Sat Jan 13, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: wireless dead again - router suggestions?
Replies: 35
Views: 1796

Re: wireless dead again - router suggestions?

I used to have problem with Microsoft, Western Digital and Linksys routers. They worked for a few months and became intermittent. It worked a minute before and suddenly stopped at a minute later. Reset eventually fixed it. I replaced them with Buffalo DD-WRT routers and have been so happy. It's run ...
by wander
Fri Jan 12, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: Do you have a antivirus for you Android phone?
Replies: 20
Views: 1448

Re: Do you have a antivirus for you Android phone?

I wonder why one needs antivirus software on any of his/her smartphones (IOS or Android).
by wander
Fri Jan 12, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to "call in rich"?
Replies: 75
Views: 12391

Re: Is it time for me to "call in rich"?

Yes, you are rich and should stay home. :happy
by wander
Fri Jan 12, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Navy Fed CU eligibility: advice
Replies: 7
Views: 480

Re: Navy Fed CU eligibility: advice

Eligibility Immediate family members of current members and those who are eligible for membership. Immediate family includes: Grandparents Parents Spouses Siblings Children (including adopted and stepchildren) Grandchildren Household members Joining through a family member (sponsor), you’ll also ne...
by wander
Fri Jan 12, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: How often should my AA adjust?
Replies: 17
Views: 1032

Re: How often should my AA adjust?

I adjust it annually so far. But I will definitely adjust it again when we buy a new house.
by wander
Fri Jan 12, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: 0W-20 Synthetic Motor Oil
Replies: 44
Views: 5392

Re: 0W-20 Synthetic Motor Oil

Leesbro63 wrote:
Tue Dec 28, 2010 3:39 pm
What I wanna know is where to buy the oil the cheapest.
Costco and Walmart are the places I go for oil. Look for coupons from Autozone (on the mail) for oil sale. Cheapest place for oil change is in your car garage.
by wander
Tue Jan 09, 2018 11:02 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard switching all accounts to brokerage accounts?
Replies: 65
Views: 9229

Re: Why is Vanguard switching all accounts to brokerage accounts?

We fought hard and won - Vanguard agreed to keep our joint accounts as legacy - not brokerage - accounts since we have been with Vanguard over 30 years and have millions with them. We do not like the way Vanguard handles brokerage accounts. We had one brokerage account and every quarter the account...
by wander
Tue Jan 09, 2018 10:58 pm
Forum: Investing - Theory, News & General
Topic: Forgot to make my $5500 contribution for 2018
Replies: 36
Views: 4761

Re: Forgot to make my $5500 contribution for 2018

I’m afraid you’ll never be able to retire. If I were you I’d sell everything, buy bitcoin, move to Vietnam to lower your cost of living to about $300/yr and learn to drive a rickshaw. Where in Vietnam can you get by for $300 / yr ? In jungle? You can get a nicely upgraded tree house for $75. I trav...
by wander
Tue Jan 09, 2018 7:29 pm
Forum: Investing - Theory, News & General
Topic: Forgot to make my $5500 contribution for 2018
Replies: 36
Views: 4761

Re: Forgot to make my $5500 contribution for 2018

Jags4186 wrote:
Tue Jan 09, 2018 2:41 pm
I’m afraid you’ll never be able to retire. If I were you I’d sell everything, buy bitcoin, move to Vietnam to lower your cost of living to about $300/yr and learn to drive a rickshaw.
Where in Vietnam can you get by for $300 / yr ? In jungle?
by wander
Tue Jan 09, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: OnePlus 5t Smartphone?
Replies: 21
Views: 1239

Re: OnePlus 5t Smartphone?

OnePlus found secretly spying on it’s users and here is how to remove the spying software
by wander
Tue Jan 09, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: 2006 subaru timing belt replacement
Replies: 37
Views: 1230

Re: 2006 subaru timing belt replacement

I always follow the car owner manual and replace the timing belt. I drive a lot so I follow the mileage and ignore the year part. My reason are first it is interference and a broken timing belt will become a disaster; second the timing belt is the main muscle to pull everything else so it will break...
by wander
Tue Jan 09, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Use HSA money or pay out of pocket?
Replies: 36
Views: 2996

Re: Use HSA money or pay out of pocket?

I use HSA money for current medical expenses.
by wander
Mon Jan 08, 2018 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: How often to invest; or: how to avoid commissions?
Replies: 21
Views: 1534

Re: How often to invest; or: how to avoid commissions?

I am sure Schwab has similar ETFs with similar quality. You don't need to transfer to Vanguard.
by wander
Sun Jan 07, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: When to drop comprehensive auto coverage?
Replies: 25
Views: 2553

Re: When to drop comprehensive auto coverage?

For me, if the payout is less than ten times premium, then I will consider to drop the coverage (For example, if the payout is $3000 and I am paying more than $300 a year for insurance coverage).
by wander
Sun Jan 07, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4839

Re: New Honda CRV - first oil change full synthetic?

I change engine oil myself simply because I want to make sure that regular oil not mistakenly filled for synthetic oil. I used synthetic oil on my car from day 1.
by wander
Sun Jan 07, 2018 1:32 pm
Forum: Investing - Theory, News & General
Topic: Talk me out of a 60/40 AA
Replies: 76
Views: 8367

Re: Talk me out of a 60/40 AA

Actually, you can have any asset allocation you want and I have no business to talk you out of it. I have a different AA that suits me.
by wander
Sat Jan 06, 2018 11:27 pm
Forum: Investing - Theory, News & General
Topic: Morningstar Premium for $99
Replies: 33
Views: 2989

Re: Morningstar Premium for $99

I've got it for free through my brokerage account.