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Re: Getting toddler to brush their teeth

I have a similar situation....a toddler who does not brush well and is resistant to help. One day I offered to "play dentist" with him...he accepted and after he brushes, I come and pretend to be the dentist. This involves me instructing him to open his mouth, talking to him about his teet...
by krannerd
Tue Jul 01, 2014 10:52 pm
 
Forum: Personal Consumer Issues
Topic: Getting toddler to brush their teeth
Replies: 53
Views: 2409

Re: Appreciated Securities...Concentrated Positions Question

Thank you for the opinions and ideas on how to handle this. My takeaways from the responses: 1. Donation is a good idea and can be used to reduce these positions over time. 2. These concentrated positions are not a big deal....but should be reduced over time. As I contribute to the portfolio, this p...
by krannerd
Thu May 29, 2014 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Appreciated Securities...Concentrated Positions Questions
Replies: 7
Views: 433

Appreciated Securities...Concentrated Positions Questions

Thank you in advance for your collective wisdom on the topic below. I own several appreciated individual equities in a taxable account that is 7.5% of my total portfolio. It looks like collectively these companies have lagged the S&P500 or the last 1, 5 and 10 year periods...and they expose me t...
by krannerd
Wed May 28, 2014 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Appreciated Securities...Concentrated Positions Questions
Replies: 7
Views: 433

Re: declining job due to travel

I am in a similar situation right now...but with significantly more travel. My current assignment has me in Shanghai for 3 out of 4 weeks for 3 - 5 months. I have a very understanding wife (also in management) who is at home with our 3 year old son. I am certainly missing out on family time by being...
by krannerd
Tue May 27, 2014 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: declining job due to travel
Replies: 92
Views: 9191

Re: Preventing Office Theft of Food and Other Stuff

I've never had anything stolen from the work fridge. However, it has been a problem at some places for others. The attempted fix is usually an angrily worded sign with humorous punctuation and misspellings.
by krannerd
Fri Apr 04, 2014 6:00 am
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 78
Views: 6727

Re: anyone here subscribe to The Economist? (renewal questio

Airline miles +1.

Wait until the bitter end on offers...they keep getting better.

Did a groupon this year...$50 for a year.

I'll use miles this year...too cheap.
by krannerd
Wed Nov 20, 2013 6:37 pm
 
Forum: Personal Consumer Issues
Topic: anyone here subscribe to The Economist? (renewal question)
Replies: 32
Views: 6749

Re: Travel for work expense reporting

No. I operate on the principle that I treat my company's money much like my own. This is about how I do it. I think that I'm allowed $60/day...but I rarely get there. However, if there's something that I'd really like that would push me over the limit...I don't hold back (happens once in a blue moo...
by krannerd
Tue Oct 01, 2013 5:39 pm
 
Forum: Personal Consumer Issues
Topic: Travel for work expense reporting
Replies: 14
Views: 672

Re: Haggling at Furniture Store (Lay-z-Boy)

We'll be paying with a check today. As it is nobody in their right mind would give me 0% financing because I have poor credit. My credit of late is great, but I'm still paying the piper for past mistakes. Any general recommendations on how much I might be able to get off percentage wise? Do most pe...
by krannerd
Thu Sep 12, 2013 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Haggling at Furniture Store (Lay-z-Boy)
Replies: 28
Views: 2933

Re: Haggling at Furniture Store (Lay-z-Boy)

One tactic that I like is when you're done negotiating the price of the furniture...ask about 0% interest financing. If they offer it, its likely that they are part of a merchant program that gives the store the cash immediately minus a few % in interest. If they agree to 0% financing, I'll offer to...
by krannerd
Thu Sep 12, 2013 2:25 pm
 
Forum: Personal Consumer Issues
Topic: Haggling at Furniture Store (Lay-z-Boy)
Replies: 28
Views: 2933

Re: What did Bogleheads do when the stock market crashed?

I was not a boglehead during that period, and our portfolio was 100% equities. We didn't sell a thing, and continued monthly contributions to our 401K. I did stop looking at account summaries for a while, because it was too painful. Did the exact same thing. Only started getting really serious abou...
by krannerd
Wed Jul 24, 2013 5:22 pm
 
Forum: Investing - Theory, News & General
Topic: What did Bogleheads do when the stock market crashed?
Replies: 127
Views: 79806

Re: "Why yes, yes I am."

Most zombie apocalypse plans involve a lot of looting and are not actual plans. My point to my friends was more that they could spend a little time on retirement planning (which I find to be much more likely to be needed). Dang. I was hoping for some free advice on how to retain wealth during the e...
by krannerd
Tue Jun 25, 2013 2:19 pm
 
Forum: Personal Consumer Issues
Topic: "Why yes, yes I am."
Replies: 39
Views: 6715

Re: "Why yes, yes I am."

I asked my friend group, "Who has a zombie apocalypse plan?" All raised their hands. I'm interested in this impending zombie apocalypse thing. I've been doing some thinking about possible "disaster" scenarios and how to prepare for them (from having 15 gallons of fresh water in ...
by krannerd
Mon Jun 24, 2013 1:45 pm
 
Forum: Personal Consumer Issues
Topic: "Why yes, yes I am."
Replies: 39
Views: 6715

Re: Highlander Hybrid

Wife has a 2007. It's pretty nice...can take the 3 of us a long vacation with no issues ( and lots of "stuff"). Power is very good...I've not had any issues with it at extra-legal speeds. It handles well for an SUV and I can drive almost 2 miles on battery alone (but not with her in the ca...
by krannerd
Mon Jun 17, 2013 10:25 pm
 
Forum: Personal Consumer Issues
Topic: Highlander Hybrid
Replies: 7
Views: 851

Re: How to find a great nanny?

My wife used care.com. We interviewed several candidates and selected a nanny that we've had for almost 2 years. Recommend their services. We've been very lucky, but think that any of the candidates would have been good for us.
by krannerd
Fri Jun 14, 2013 9:32 pm
 
Forum: Personal Consumer Issues
Topic: How to find a great nanny?
Replies: 11
Views: 880

Re: How Safe is Paypal

Three years ago Paypal 'double deducted" a payment from my bank account. It took just about four (4) months to straighten the matter out----plus LOTS of frustration----with them eventually redepositing the funds fo my account. I will only use the credit card option with them now-----never agai...
by krannerd
Wed May 29, 2013 2:15 pm
 
Forum: Personal Consumer Issues
Topic: How Safe is Paypal
Replies: 38
Views: 2853

Re: Show us your M* Average MFund Exp Ratio %

0.20 Have a few funds in the 401k at 0.27 and 0.40 that are holding me back. Working to reallocate the 0.40 somewhere else.
by krannerd
Tue May 07, 2013 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: Show us your M* Average MFund Exp Ratio %
Replies: 60
Views: 2147

Re: Any Mortgage Refinance experience with these companies?.

I used them for a 15 year refi in July. They were slow in the underwriting process...but I recommended to friends. 2 people used my recommendation for refis and were very pleased (but noted that underwriting was slow).
by krannerd
Tue Jan 01, 2013 6:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any Mortgage Refinance experience with these companies?...
Replies: 17
Views: 2133

Re: Rebalancing between Roth and 401k

I'm using this fund for exposure to non-Large US stocks. I thought it would be simpler than having dedicated small cap and mid cap funds. I'm open to suggestions for different funds. Any thoughts on the mechanics of how to achieve better tax efficiency between the 401k and Roth? Thank you for your o...
by krannerd
Thu Dec 27, 2012 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing between Roth and 401k
Replies: 2
Views: 285

Re: what is the max % concentration in a single stock?

First of all, congrats! I had always heard about 5% being the maximum threshold for a single security. I think that the Fidelity portfolio analyzer also flags anything above 5%. My employer matches contributions to my 401k in company stock. I typically sell all of it every 6 months....too many eggs ...
by krannerd
Thu Dec 27, 2012 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: what is the max % concentration in a single stock?
Replies: 6
Views: 403

Rebalancing between Roth and 401k

After reading through the wiki about tax efficient fund placement, I've recognized that my funds are not placed optimally (example below with bonds in the Roth when they could be better placed in the 401k). My question is related to how to balance funds between tax advantaged accounts. Is there any ...
by krannerd
Thu Dec 27, 2012 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing between Roth and 401k
Replies: 2
Views: 285

Re: Company 401k match included in yearly savings goals

I count it. My wife and I are vested in our company matches.
by krannerd
Mon Dec 17, 2012 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Company 401k match included in yearly savings goals
Replies: 22
Views: 1683

Re: So, I've got chimney / firebox problems

runner9 wrote:Thanks for the update. Can I ask how they did the part on the roof? Just a ladder and buckets being carried or something more than that?


They set up scaffolding and had a pulley for the buckets. Wheelbarrows to get the stuff from the buckets to the truck.
by krannerd
Mon Nov 19, 2012 11:39 pm
 
Forum: Personal Consumer Issues
Topic: So, I've got chimney / firebox problems
Replies: 19
Views: 1607

Re: So, I've got chimney / firebox problems

Status update: I had the chimney rebuilt today (started today). Long decision process that weighed the option of an insert vs. full replacement of the chimney. As they've torn it down, they removed several wheelbarrows full of dust (which used to be the mortar holding my chimney together), the flue ...
by krannerd
Mon Nov 19, 2012 4:50 pm
 
Forum: Personal Consumer Issues
Topic: So, I've got chimney / firebox problems
Replies: 19
Views: 1607

Re: Water boiler replacement

Agree on getting an additional opinion. My boiler is 40 years old and is still in proper working order (after a safety inspection last month). I typically deal with an HVAC company that specializes in hot water systems...based on my extremely limited knowledge of boilers...cleaning the burners is so...
by krannerd
Mon Nov 19, 2012 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Water boiler replacement
Replies: 7
Views: 907

Re: So, I've got chimney / firebox problems

Certainly interested on following this...I have a nearly unused chimney I've always talked about taking out piece by piece from the roof to basement to expand the kitchen. Our's is also quite high above the roof so that it clears the other part of the house which is a story higher. While I'm not a ...
by krannerd
Thu Nov 15, 2012 10:04 pm
 
Forum: Personal Consumer Issues
Topic: So, I've got chimney / firebox problems
Replies: 19
Views: 1607

Re: So, I've got chimney / firebox problems

That sounds like an awfully tall chimney exceeding the roofline, in comparison, the portion of the chimney surpassing my roofline is about 5 feet tall. My liner was inserted inside of the old clay liner. It does sound like your liner has seriously deteriorated if silver dollar pieces of it are comi...
by krannerd
Wed Nov 14, 2012 3:22 pm
 
Forum: Personal Consumer Issues
Topic: So, I've got chimney / firebox problems
Replies: 19
Views: 1607

Re: So, I've got chimney / firebox problems

scone wrote:While you're at it, make sure no other appliances, such as a boiler, vent into the chimney. This used to be legal, and it's generally grandfathered in, but it's not a good idea.


Thank you for the suggestion. I know that there's a second flue that vents the boiler and gas water heater.
by krannerd
Wed Nov 14, 2012 2:11 pm
 
Forum: Personal Consumer Issues
Topic: So, I've got chimney / firebox problems
Replies: 19
Views: 1607

Re: So, I've got chimney / firebox problems

Which flue is actually cracked? Did the repair companies do a camera inspection and show you the cracks or did they go by the old fashioned method of "shining a light on the chimney from up above while you were down below? Cracked mortar joints from the roof line up to the crown doesn't indica...
by krannerd
Wed Nov 14, 2012 2:03 pm
 
Forum: Personal Consumer Issues
Topic: So, I've got chimney / firebox problems
Replies: 19
Views: 1607

So, I've got chimney / firebox problems

As I was inspecting my roof and chimney this year (and removing leaves from the gutter), I noticed that the mortar was loose on several joints in the bricks in the chimney. This is a 1915 craftsman bungalow in Minneapolis with a woodburning fireplace and a hot water boiler that share a chimney (sepa...
by krannerd
Wed Nov 14, 2012 1:11 pm
 
Forum: Personal Consumer Issues
Topic: So, I've got chimney / firebox problems
Replies: 19
Views: 1607

Re: Paypal

I second the Craigslist comment. I've had much luck selling items there. Recommend that you be ready to keep the posting up and active for a while (depending on the market for what you're selling). Household items usually sell very quickly...but other items like used accessories for babies can sell ...
by krannerd
Wed Oct 17, 2012 11:03 pm
 
Forum: Personal Consumer Issues
Topic: Paypal
Replies: 30
Views: 1908

Re: Best Way to Bring / Spend Money Abroad

Agree with the ATM approach. It has worked for me in India and China (large cities and small). Also, your local bank can order currency for you so you don't have to hit an ATM immediately. If you're planning to hit multiple countries quickly...it may make sense just to bring some of each along...and...
by krannerd
Tue Oct 16, 2012 5:26 am
 
Forum: Personal Consumer Issues
Topic: Best Way to Bring / Spend Money Abroad
Replies: 10
Views: 1011

Re: Would you fly American today?

I fly American somewhat frequently (50k miles this year). In the last 12 months I've had my share of bad luck (weather and a medical emergency), but nothing related to their current difficulties. Just took a flight to PVG today on AA and everything went smoothly. AA is probably having more difficult...
by krannerd
Tue Oct 09, 2012 6:34 am
 
Forum: Personal Consumer Issues
Topic: Would you fly American today?
Replies: 24
Views: 1458

Re: Where do you splurge?

We have a well paid nanny for my 1 year old son. This allows my wife and I to work with great confidence that our son is OK. I suppose this makes me a job creator. I've got a fancy german car (bought used, negotiated vigorously) that I expect to keep for 10 years. It keeps me sane. My wife will be g...
by krannerd
Tue Sep 18, 2012 6:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Where do you splurge?
Replies: 31
Views: 2623

Re: Do you pick up pennies?

I don't pick up pennies...but anything above that is fair game.

Currently working from China...I passed up on 1 jiao on the street yesterday. That's about 1.5 cents. So, I guess my "cost" to bend over is somewhere between 2 and 5 cents. If I saw 1 yuan on the street...I'd pick it up.
by krannerd
Tue Sep 18, 2012 6:13 am
 
Forum: Personal Consumer Issues
Topic: Do you pick up pennies?
Replies: 56
Views: 2405

Re: At what age did you start investing?

Age 16. Was given a birthday gift of stock of my choosing. It's increased in value 16x since then and I still own it.

Contributed to a Roth at 21 and started my 401k at 23.

Am 35 now and still at it.
by krannerd
Fri Aug 24, 2012 6:22 am
 
Forum: Investing - Help with Personal Investments
Topic: At what age did you start investing?
Replies: 87
Views: 8873

Re: Power Home Remodeling Group

My experience is that there are dozens of companies who will replace windows...very few repair or reglaze. I assume your windows are double paned and the seal is that between the panes? I'm pretty clueless about new fangled windows...but I can't imagine that there's no way to repair them. It may not...
by krannerd
Mon Jul 30, 2012 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Power Home Remodeling Group
Replies: 12
Views: 2095

Re: Power Home Remodeling Group

I know nothing of Power...but had several quotes for double pane vinyl with metal frame windows in the last year. All were "contractor" grade windows....ie not Anderson or Pella. The quotes prior to negotiation came in at $1000/window for 42 windows. It sounds as if your quote is in line w...
by krannerd
Sat Jul 28, 2012 8:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Power Home Remodeling Group
Replies: 12
Views: 2095

Re: Money to use in Europe

Fidelity has a cash management account with a reimbursable ATM card...has worked for me in Europe and India very well. I'd also suggest calling your local bank branch...they likely have Euros that you can purchase (with very reasonable exchange rates) before he goes. Then he doesn't have to worry ab...
by krannerd
Tue May 08, 2012 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Money to use in Europe
Replies: 18
Views: 1231

The unrealized gain is quite high. And, given the fortunate circumstances for income this year...I'm going to resist the temptation to sell. The good news is that over the last 10 years, the proportion of the portfolio that these stocks make up has declined significantly (via sales offset by losses ...
by krannerd
Sat Jun 25, 2011 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Requested: Financial Plans for 34 & 32 year old
Replies: 3
Views: 597

Help Requested: Financial Plans for 34 & 32 year old

Thank you in advance for your advice on what to do with financial planning. I think that we’re on the right track….but could always use another opinion (or 6) to see if there’s anything missing. Any and all help is appreciated. I’ve been reading the forum for a while now…and am working on some of th...
by krannerd
Sat Jun 25, 2011 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Requested: Financial Plans for 34 & 32 year old
Replies: 3
Views: 597

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