Search found 61 matches

by Mr.Wu
Tue Apr 09, 2019 9:23 am
Forum: Personal Investments
Topic: HSA in NJ -- is it worth it?
Replies: 17
Views: 1330

Re: HSA in NJ -- is it worth it?

Think of all your assets as a whole. When you put treasury in HSA, you can buy more stock funds in other accounts while maintaining your asset allocation. Treasury bond means you are exempt from state tax as well. Congratulations! My HSA account doesn't have a low expense treasury bond fund. I use t...
by Mr.Wu
Tue Apr 02, 2019 9:40 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 15413

Re: New 2019 RAV4 is now out - looks good

What do you guys mean they are just out? Did you mean the hybrid version? The ICE 2019 rav4 went on sale last December. I have seen a handful in parking lots.
by Mr.Wu
Wed Mar 13, 2019 9:00 am
Forum: Personal Consumer Issues
Topic: Yet another chronic defect with the 2017-18 Honda CRV
Replies: 21
Views: 9880

Re: Yet another chronic defect with the 2017-18 Honda CRV

Wow, how many of you work at dealership or for Honda corporate? The op posted his issues with a product in a “personal consumer issues” sub forum. And your suggestion is to sell the car and shut up? Mr Wu - have your read the other post on Honda CRV's that has been going on for over a year now? If ...
by Mr.Wu
Wed Mar 13, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: Yet another chronic defect with the 2017-18 Honda CRV
Replies: 21
Views: 9880

Re: Yet another chronic defect with the 2017-18 Honda CRV

Wow, how many of you work at dealership or for Honda corporate? The op posted his issues with a product in a “personal consumer issues” sub forum. And your suggestion is to sell the car and shut up?
by Mr.Wu
Fri Mar 08, 2019 2:15 pm
Forum: Personal Consumer Issues
Topic: Best Car Values
Replies: 155
Views: 11797

Re: Best Car Values

Thread is timely. I own a 2006 Honda Accord (I bought it new around $20K that year) and now have 162,000 miles on it. I've never had one issue with it until very recently where I've noticed a few small issues that seemed like transmission - however, the trans shop could not find a problem. On any r...
by Mr.Wu
Sun Feb 24, 2019 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Who does their own taxes?
Replies: 111
Views: 8193

Re: Who does their own taxes?

Another vote for free tax USA. Our tax is relatively complicated: capital gain, dividends, backdoor Roth, itemized deduction. We like it so much that we even pay for their state tax filing, though my state offer free efile. We did use the free version of TurboTax as a benchmark for federal tax. The ...
by Mr.Wu
Sun Feb 24, 2019 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 431
Views: 62839

Re: Losing a job in your 50's...

Mr.Wu, The problem with this person especially since he has management experience is because he is perceived as a threat to the hiring manager. They are afraid of hiring him and getting replaced by him. He is overqualified. This is the other side of age discrimination. Older folks are not being hir...
by Mr.Wu
Sun Feb 24, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 431
Views: 62839

Re: Losing a job in your 50's...

This topic makes me really sad... Because I saw an depressing example in my late 20s and it totally changed my perspective of my career. My colleague was laid off in his early 50s. Mainly because he was considered too expensive to the company and the company was going through re-org in response to i...
by Mr.Wu
Wed Feb 20, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: On this Forum, is X% of Income Saved Pre-Tax or Post-Tax?
Replies: 95
Views: 6779

Re: On this Forum, is X% of Income Saved Pre-Tax or Post-Tax?

There is no consensus. But I personally prefer pretax basis because you can explicitly show the % of tax together with % saving.

Further, anyone knows how company matching on 401k contribution should be reflected in % of income saved calculation?
by Mr.Wu
Wed Jan 16, 2019 5:22 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 57909

Re: John Bogle is dead at 89

R.I.P.
by Mr.Wu
Sat Jan 05, 2019 12:11 am
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 233
Views: 21384

Re: 2019 Hedge Fund Contest

Name: A Hedge Fund

Long: NRZ
by Mr.Wu
Mon Dec 10, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: HSA and dental insurance
Replies: 8
Views: 1051

Re: HSA and dental insurance

Limited purpose FSA is use it or lose it, like regular FSA. I would suggest consult with your dentist and the insurance company to make sure exactly how much will be charged. Plan carefully and don’t over contribute.
by Mr.Wu
Sat Nov 03, 2018 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 314
Views: 29141

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

We use freetaxusa and are quite happy about it. Federal is free and state is $13 each . 10% off coupon is readily available. That includes e-filing state (right?) so they don't hit you with that state e-file charge at the end. I had used TaxACT for several years, when they released software in Octo...
by Mr.Wu
Sat Nov 03, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 314
Views: 29141

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

We use freetaxusa and are quite happy about it. Federal is free and state is $13 each. 10% off coupon is readily available.
by Mr.Wu
Sat Oct 20, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: AAA Insurance is increasing my home insurance premium by 47.8%!!! with no claims filed
Replies: 30
Views: 3114

Re: AAA Insurance is increasing my home insurance premium by 47.8%!!! with no claims filed

No need to take it personally. This is how this business runs. Rates are adjusted periodically in response to change in premium and loss data. Just get quotes from other insurance companies and move on.
by Mr.Wu
Sat Oct 20, 2018 12:39 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 94
Views: 15765

Re: Sharonview FCU 64 month CD - 4%

Happy2BeFree wrote:
Fri Oct 19, 2018 9:20 am
I highly doubt it. I canceled the invoice they sent and sent them an email explaining why. I think you need to join just once, and that's it. I've never had to continue memberships like this at other CUs where I funded multiyear CDs.
Thanks for the info. I will not renew it next year.
by Mr.Wu
Thu Oct 18, 2018 10:59 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 94
Views: 15765

Re: Sharonview FCU 64 month CD - 4%

Does anyone know if I need to renew my hobby farmer membership every year to maintain my eligibility as a sharonview client?
by Mr.Wu
Wed Feb 07, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Costco Payment question
Replies: 2
Views: 678

Re: Costco Payment question

Yes you can
by Mr.Wu
Sat Feb 03, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: [Flawed?] Paying off mortgage in 5 years
Replies: 39
Views: 4230

Re: [Flawed?] Paying off mortgage in 5 years

So what’s the difference between this and saving every single penny and pay down mortgage balance? Swap the high mortgage rate with a low heloc rate? I may be wrong but I thought heloc rates are usually no lower.
by Mr.Wu
Sat Feb 03, 2018 6:12 pm
Forum: Investing - Theory, News & General
Topic: Understanding new tax table withholding rates
Replies: 18
Views: 1829

Re: Understanding new tax table withholding rates

Btw, I checked the tax calculator bling posted when the new tax rules were passed. It underestimated the state income tax under 2017 rules by a few thousand dollars and lead to a false tax saving under new rules. It is understandable, my state tax doesn’t use federal deduction. I found this link mo...
by Mr.Wu
Sat Feb 03, 2018 5:35 pm
Forum: Investing - Theory, News & General
Topic: Understanding new tax table withholding rates
Replies: 18
Views: 1829

Re: Understanding new tax table withholding rates

I sort of understand the op’s point. I calculated my 2018 tax with the 2017 income and I will pay slightly more tax. But I live in a state with high state income and property tax. With the elimination of personal exempt and limitations on state income and property tax deductions, I lost 30k of tax d...
by Mr.Wu
Sat Jan 27, 2018 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: I don't think my lady is very good at saving money, how do I handle?
Replies: 50
Views: 4346

Re: I don't think my lady is very good at saving money, how do I handle?

Let her watch Dave Ramsey’ show. I disagree with many, if not most of his opinions but he surely excels at one thing: bashing people not living under their means.
by Mr.Wu
Wed Jan 17, 2018 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Contribution for 2018
Replies: 10
Views: 910

Re: Roth Contribution for 2018

I believe your combined income is too high to file jointly and contribute to a Roth. If you both file separately you just have to be under 120k to have full eligibility. Once over 120k you start getting your contribution limit reduced. This is to the best of my knowledge. I'm sure others will chime...
by Mr.Wu
Mon Jan 08, 2018 7:17 am
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 87
Views: 34045

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

The curious thing about this dealer is that, when I asked what they would use, the service rep said they would put in blend for about $40. When I paid the bill it was $60 and I saw it listed Mobil 1 synthetic instead of blend. I asked about that and the billing clerk said that all vehicles since 20...
by Mr.Wu
Wed Dec 27, 2017 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Need to shop insurance: curious what you have?
Replies: 22
Views: 2574

Re: Need to shop insurance: curious what you have?

Besides the ones mentioned already, I found progressive and AAA having competitive rates.
by Mr.Wu
Wed Dec 27, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: CNBC quotes IRS on terms of deductibility of prepaid property taxes
Replies: 79
Views: 7170

Re: CNBC quotes IRS on terms of deductibility of prepaid property taxes

My situation fits perfectly in example 1. So that's a done deal for me.
by Mr.Wu
Wed Dec 27, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: 2009 Honda Pilot Touring vs. EX-L
Replies: 6
Views: 1016

Re: 2009 Honda Pilot Touring vs. EX-L

sunny_socal wrote:
Wed Dec 27, 2017 10:22 am
Get whatever model does _not_ have VCM (variable cylinder management.) Our 2007 EXL 4x4 does not.

The VCM models have all kinds of engine problems.
All honda pilot model year 2009+ have VCM. There is an aftermarket kit to bypass it, it is about 35 dollars on ebay.
by Mr.Wu
Wed Dec 27, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: 2009 Honda Pilot Touring vs. EX-L
Replies: 6
Views: 1016

Re: 2009 Honda Pilot Touring vs. EX-L

There may be some, but relatively small differences, but you should check the specific vehicle you'd be purchasing. http://www.odyclub.com/forums/52-2005-2010-odyssey/46978-2009-ex-l-vs-2009-touring.html#post445552 Memory seats is one of the more appealing features for me. YMMV. I'd be curious if t...
by Mr.Wu
Wed Dec 27, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: The car dealership model needs to die
Replies: 85
Views: 6053

Re: The car dealership model needs to die

Toyota's Scion brand always sells at msrp and no negotiation is allowed. That brand died. I am not saying it died because of the pricing strategy but it didn't seem to help much.
by Mr.Wu
Wed Dec 27, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Diamonds are forever.
Replies: 94
Views: 11404

Re: Diamonds are forever.

bluenile.com and costco.com are worth checking. And don't let the stores tell you what to spend. You spend as much (or little) as you are willing to. I originally clicked in when seeing the title and planed to post this link: https://www.huffingtonpost.com/ira-weissman/7-reasons-why-you-shouldn_b_17...
by Mr.Wu
Wed Dec 27, 2017 9:51 am
Forum: Personal Investments
Topic: is using HSA as investment vehicle worth the trouble?
Replies: 50
Views: 7193

Re: is using HSA as investment vehicle worth the trouble?

One still needs to keep a few years of documentations in case of tax audit, even if he or she reimburse the medical cost every year, right?
by Mr.Wu
Tue Dec 26, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 26812

Re: SALT Provisions

. Mr. Wu, I think they meant it that the $10,000 on SALT is not pegged to inflation. According to the Joint Conference report it appears to expire in 2026 says: " Conference Agreement The conference agreement provides that in the case of an individual,171 as a general matter, State, local, and fore...
by Mr.Wu
Tue Dec 26, 2017 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 26812

Re: Do you see a meaningful change in your income with new Tax Bill?

Our tax will go up by a few hundred dollars. When the new tax plan expire it will be $7000 more thanks to the limit of 10k on SALT and property tax deduction. People say 2027 is far away but it's a nuisance waiting for the other shoe to drop. :oops: Don't worry, when the tax plan expires, the 10k S...
by Mr.Wu
Mon Dec 25, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 26812

Re: Do you see a meaningful change in your income with new Tax Bill?

Our tax will go up by a few hundred dollars. When the new tax plan expire it will be $7000 more thanks to the limit of 10k on SALT and property tax deduction. People say 2027 is far away but it's a nuisance waiting for the other shoe to drop. :oops:
by Mr.Wu
Mon Dec 25, 2017 9:32 pm
Forum: Personal Investments
Topic: Secret Fidelity Funds?
Replies: 11
Views: 2138

Re: Secret Fidelity Funds?

My company has plenty of vanguard shares with very low expense ratios. For example the SP500 fund has 0.01% expense ratio while as far as I know the lowest vanguard sp500 fund is institutional plus shares with 0.02% expense ratio. I don't think they are secret funds. Probably the mega corps have the...
by Mr.Wu
Mon Dec 25, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Confusion about prepaying property taxes
Replies: 139
Views: 16820

Re: Confusion about prepaying property taxes

I'm copying part of a post from the big "Omnibus" thread, which I think is very relevant here, and also very discouraging for many of us ... https://ustaxcourt.gov/InOpHistoric/HOFFMAN.TCM.WPD.pdf “ Section 164(a)(1) allows a deduction for real property taxes. Deduction of prepaid real property tax...
by Mr.Wu
Sat Dec 23, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: 2016 Nissan Pathfinder S with 3rd row seat
Replies: 11
Views: 1195

Re: 2016 Nissan Pathfinder S with 3rd row seat

Google pathfinder transmission shudder and make your decision. Since 2013 there has been complaints about the cvt shudder/jerk issue. Not all of them will have it. It’s a hit or miss. Overall pathfinder is a very good value to me (a few grands cheaper than other mid sized suv in my region )but this ...
by Mr.Wu
Thu Dec 21, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Confusion about prepaying property taxes
Replies: 139
Views: 16820

Re: Confusion about prepaying property taxes

I'm copying part of a post from the big "Omnibus" thread, which I think is very relevant here, and also very discouraging for many of us ... https://ustaxcourt.gov/InOpHistoric/HOFFMAN.TCM.WPD.pdf “ Section 164(a)(1) allows a deduction for real property taxes. Deduction of prepaid real property tax...
by Mr.Wu
Thu Dec 21, 2017 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 71640

Re: Tax Bill Omnibus Thread

Any folks know if one can prepay property tax now and deduct it for 2017 tax filing? I see conflicting information from different sources. Some say GOP closed this loophole and one can not deduct 2018 state and local tax for 2017 tax filing, while others say that's for state and local income tax onl...
by Mr.Wu
Thu Dec 07, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 50
Views: 5270

Re: Fuel Additives for 2017 Toyota Camry

This is enough reason to stay away from this dealership. When he told you this nonsense he must think you have zero knowledge of cars....
by Mr.Wu
Mon Oct 23, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Experian Dark Web scan
Replies: 36
Views: 6790

Re: Experian Dark Web scan

Discovercard is promoting this for free and I signed up. Hopefully they don't have devils in fine print. Discover's service has a little more value than Experian's service, since Discover watches for your SSN on the dark web. There is however fine print with Discover's service as well, which has gi...
by Mr.Wu
Mon Oct 23, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 56
Views: 6868

Re: Which minivan?

Sienna is the only minivan with AWD option. But snow tire is way better than AWD with all season tires.

With one child, you don't really need a minivan.
by Mr.Wu
Sun Oct 22, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Experian Dark Web scan
Replies: 36
Views: 6790

Re: Experian Dark Web scan

Discovercard is promoting this for free and I signed up. Hopefully they don't have devils in fine print.
by Mr.Wu
Fri Oct 13, 2017 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Anyone used Zelle?
Replies: 53
Views: 11764

Re: Anyone used Zelle?

Not sure where the doubts came from, this is fairly old/mature technology. A while ago I used chase quikpay to pay rent to the landlord living overseas. I set up monthly auto recurring payment and just make sure the checking balance is not too low. The only nuisance was the daily transferal limit of...
by Mr.Wu
Mon Oct 09, 2017 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Who has needed to use their umbrella insurance?
Replies: 129
Views: 21849

Re: Who has needed to use their umbrella insurance?

I have used mine, but only indirectly. A scammer hit my parked car in a public place, then claimed I hit him and caused a neck (like whiplash) injury. The amount claimed was within my Auto insurance limits, but because I also had umbrella, the insurance company sent a top team of lawyers to defend ...
by Mr.Wu
Mon Oct 09, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: My Son is buying a 2017 Toyota RAV 4
Replies: 28
Views: 4379

Re: My Son is buying a 2017 Toyota RAV 4

Toyota strengthened the driver's side to pass the small overlap crash test, but apparently it didn't bother with the passenger side.

http://www.iihs.org/iihs/news/desktopne ... rs-at-risk
by Mr.Wu
Mon Oct 09, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: HSA’s: What level of risk do you prefer?
Replies: 58
Views: 5660

Re: HSA’s: What level of risk do you prefer?

I put it 100% in total stock for its moderate tax efficiency, and I don't need it for a few years.
by Mr.Wu
Mon Sep 25, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: How to break into new field?
Replies: 49
Views: 4497

Re: How to break into new field?

How about insurance underwriters? I mean underwriters in commercial lines of business, not personal insurance agencies. It doesn't require you to go back to college but a lot of self study will be needed. Interesting, I might look into that. Where to even begin? You can search for property and casu...
by Mr.Wu
Sun Sep 03, 2017 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to break into new field?
Replies: 49
Views: 4497

Re: How to break into new field?

How about insurance underwriters? I mean underwriters in commercial lines of business, not personal insurance agencies. It doesn't require you to go back to college but a lot of self study will be needed.