Search found 57 matches

by krannerd
Sat May 02, 2015 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Best Way to Pay for an MBA?
Replies: 38
Views: 4682

Re: Best Way to Pay for an MBA?

Suggest considering fellowships that offset tuition. I worked as an RA while getting my MBA and it covered almost all of the tuition plus room and board. Others in my cohort worked 20 hours a week at the career center, admissions, etc. I think that work covered half tuition with a living allowance. ...
by krannerd
Fri May 01, 2015 8:24 am
Forum: Personal Consumer Issues
Topic: Optimize trip to China
Replies: 24
Views: 2529

Re: Optimize trip to China

It's going to be hotter than blazes in August. While in Shanghai, suggest the Shanghai museum (free and very good), the Bund (visit at night), strolls through the French Concession (can stop at historical buildings). Outside of town, there are many "canal villages"...I've visited Tong-Li. ...
by krannerd
Tue Mar 31, 2015 9:39 pm
Forum: Personal Consumer Issues
Topic: [living in] Minneapolis-St. Paul
Replies: 55
Views: 3807

Re: [living in] Minneapolis-St. Paul

Moved here 4 years ago from Phoenix. Live in Minneapolis proper. Love it! Met more neighbors in 4 days than in 4 years living in Phoenix. Most of them are darned friendly too (neighbors shoveling each other's walks, mowing each other's lawns, neighborhood BBQs). The lakes in the city are wonderful.....
by krannerd
Fri Mar 20, 2015 11:16 am
Forum: Personal Finance (Not Investing)
Topic: master bath remodel: return on investment?
Replies: 42
Views: 3352

Re: master bath remodel: return on investment?

$35k for a bathroom remodel is a little bit more than what we paid to have ours done 2 years ago. It has paid dividends of: --Improving the better half's happiness ($priceless) --Allowing more light into the room and reducing the need for artificial light ($12.50 annually..but improves our mood) If ...
by krannerd
Fri Mar 20, 2015 11:08 am
Forum: Investing - Theory, News & General
Topic: How do you invest your taxable account?
Replies: 69
Views: 8989

Re: How do you invest your taxable account?

I use FSGDX and FSTVX (Fido Global and US total market) for taxable. All fixed income is in advantaged accounts. Still hold some appreciated securities in taxable.

I am moving more of our international allocation to taxable so that I can capture the foreign tax credits.
by krannerd
Mon Mar 09, 2015 7:14 am
Forum: Personal Consumer Issues
Topic: Home workouts and motivation
Replies: 60
Views: 3576

Re: Home workouts and motivation

My gym shut down and I had to start doing my own workouts at home. I have done it in the past, and have stayed pretty faithful to it and got in really good shape. I think a pullup bar is necessary. After that, it really depends on what type of training you want to do. If you do not want to get a lo...
by krannerd
Thu Mar 05, 2015 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone with experience adding insulation to an older home?
Replies: 15
Views: 1163

Re: Anyone with experience adding insulation to an older hom

I just had my 1915 craftsman bungalow insulated (with blown in cellulose) and airsealed. It has made a difference in reduction of drafts and the boiler will now actually shut off during those -10 days (which should translate to lower energy bills). I got a nice rebate from my utility for doing this ...
by krannerd
Mon Mar 02, 2015 10:32 pm
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 9030

Re: What's your average ER? [Expense Ratio]

0.11 My 401k cut fees in half last year.
by krannerd
Fri Feb 20, 2015 9:53 am
Forum: Personal Consumer Issues
Topic: Poll: Largest fraudulent charge to your credit card(s)?
Replies: 49
Views: 3214

Re: Poll: Largest fraudulent charge to your credit card(s)?

I have had a few charges above $1000 on my AMEX. All were resolved with ease. My worst fraud was with PayPal. I had it linked to my bank account (stupid me) and somehow PayPal processed a $2500 charge for wedding photography that pulled money directly from my bank. PayPal eventually took care of thi...
by krannerd
Fri Feb 20, 2015 9:49 am
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 34
Views: 2868

Re: Grand Canyon

Have you considered a rafting trip? I've hiked it once and rafted once....both were amazing trips. We did a raft tour over 5 days in May...the post vacation high lasted 2 days. We put in at Marble Canyon and pulled out at Bar Ten ranch. There were daily side hikes and we covered a lot more canyon th...
by krannerd
Tue Feb 17, 2015 10:17 pm
Forum: Personal Consumer Issues
Topic: Has anyone restored windows?
Replies: 25
Views: 2244

Re: Has anyone restored windows?

I have a 100 year old house with mostly original windows. I had them all reglazed and painted 2 years ago (the cost of doing this was very reasonable compared with new windows). They are drafty when compared to new windows. There are several companies that do window restoration in my area (Minneapol...
by krannerd
Tue Feb 17, 2015 10:08 pm
Forum: Personal Consumer Issues
Topic: University of Phoenix
Replies: 20
Views: 2626

Re: University of Phoenix

I was hiring in Arizona a while back and interviewed many U of P grads. I do not put much stock in the quality of the credential. If the person had significant experience that matched the needs for the job, I would interview them. IMO, that credential is good for meeting an HR requirement for hiring...
by krannerd
Tue Jan 06, 2015 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 100
Views: 616301

Re: How Many Credit Cards do you have?

I am not a fan of rotating categories nor am I a fan of annual fees. However, the Quicksilver card requires $2400 in annual spend to recoup the annual fee. Think you'll be able to do that? IMO...2 cards are enough (1 AMEX and 1 non-AMEX)...I keep more that are old and less utilized. My situation: AM...
by krannerd
Fri Dec 19, 2014 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth timing
Replies: 3
Views: 529

Re: Backdoor Roth timing

I experience the same thing with Fidelity. It does seem to take 2 days to get the contribution to IRA recognized and 2 more days to get the conversion complete (even when executing the transaction on the web). I don't usually worry about it...but I made the mistake of getting $0.01 in interest last ...
by krannerd
Mon Dec 15, 2014 5:49 pm
Forum: Personal Consumer Issues
Topic: Foreign currency exchange (small amounts)
Replies: 3
Views: 373

Re: Foreign currency exchange (small amounts)

mhc wrote:Give the foreign money to a kid. My kids love it. I loved it as a kid.

It would make a great stocking stuffer.


I agree with this...whenever I have foreign currency, it goes to the nephew (who loves it).

I also give it away to the in flight charity that accepts all currencies.
by krannerd
Tue Sep 30, 2014 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help me divorce my Stocks
Replies: 16
Views: 1782

Re: Help me divorce my Stocks

Hi! I'm in the same boat. These appreciated securities were about 7-8% of my portfolio and are mostly blue-chip companies. I have decide to dispose of these over the next ~5 years as they've lagged the S&P overall and I am trying to simplify my portfolio in case something unpleasant happens (com...
by krannerd
Tue Aug 05, 2014 1:36 am
Forum: Personal Consumer Issues
Topic: Business School Loans
Replies: 8
Views: 1462

Re: Business School Loans

I agree with the points above regarding 2-3 years of work experience being necessary for a successful outcome from B-school. My wife and I both did a Top 25 school with 3 engineering internships and 2.5 years of work respectively and it worked out very well for us...but many in our cohort had 0 work...
by krannerd
Tue Jul 01, 2014 9:52 pm
Forum: Personal Consumer Issues
Topic: Getting toddler to brush their teeth
Replies: 53
Views: 3303

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
Thu May 29, 2014 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Appreciated Securities...Concentrated Positions Questions
Replies: 7
Views: 522

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
Wed May 28, 2014 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Appreciated Securities...Concentrated Positions Questions
Replies: 7
Views: 522

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
Tue May 27, 2014 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: declining job due to travel
Replies: 92
Views: 33308

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
Fri Apr 04, 2014 5:00 am
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 78
Views: 8079

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
Wed Nov 20, 2013 5:37 pm
Forum: Personal Consumer Issues
Topic: anyone here subscribe to The Economist? (renewal question)
Replies: 32
Views: 7964

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
Tue Oct 01, 2013 4:39 pm
Forum: Personal Consumer Issues
Topic: Travel for work expense reporting
Replies: 14
Views: 742

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
Thu Sep 12, 2013 1:58 pm
Forum: Personal Consumer Issues
Topic: Haggling at Furniture Store (Lay-z-Boy)
Replies: 28
Views: 4965

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 1:25 pm
Forum: Personal Consumer Issues
Topic: Haggling at Furniture Store (Lay-z-Boy)
Replies: 28
Views: 4965

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
Wed Jul 24, 2013 4:22 pm
Forum: Investing - Theory, News & General
Topic: What did Bogleheads do when the stock market crashed?
Replies: 129
Views: 81820

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
Tue Jun 25, 2013 1:19 pm
Forum: Personal Consumer Issues
Topic: "Why yes, yes I am."
Replies: 39
Views: 6845

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
Mon Jun 24, 2013 12:45 pm
Forum: Personal Consumer Issues
Topic: "Why yes, yes I am."
Replies: 39
Views: 6845

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 17, 2013 9:25 pm
Forum: Personal Consumer Issues
Topic: Highlander Hybrid
Replies: 7
Views: 918

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
Fri Jun 14, 2013 8:32 pm
Forum: Personal Consumer Issues
Topic: How to find a great nanny?
Replies: 11
Views: 1028

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
Wed May 29, 2013 1:15 pm
Forum: Personal Consumer Issues
Topic: How Safe is Paypal
Replies: 38
Views: 3301

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
Tue May 07, 2013 1:06 pm
Forum: Investing - Theory, News & General
Topic: Show us your M* Average MFund Exp Ratio %
Replies: 60
Views: 2289

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 Jan 01, 2013 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Any Mortgage Refinance experience with these companies?...
Replies: 17
Views: 2562

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
Thu Dec 27, 2012 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing between Roth and 401k
Replies: 2
Views: 410

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 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: what is the max % concentration in a single stock?
Replies: 6
Views: 483

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 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing between Roth and 401k
Replies: 2
Views: 410

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
Mon Dec 17, 2012 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Company 401k match included in yearly savings goals
Replies: 22
Views: 1784

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 Nov 19, 2012 10:39 pm
Forum: Personal Consumer Issues
Topic: So, I've got chimney / firebox problems
Replies: 19
Views: 2293

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 3:50 pm
Forum: Personal Consumer Issues
Topic: So, I've got chimney / firebox problems
Replies: 19
Views: 2293

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 3:40 pm
Forum: Personal Consumer Issues
Topic: Water boiler replacement
Replies: 7
Views: 1091

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
Thu Nov 15, 2012 9:04 pm
Forum: Personal Consumer Issues
Topic: So, I've got chimney / firebox problems
Replies: 19
Views: 2293

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
Wed Nov 14, 2012 2:22 pm
Forum: Personal Consumer Issues
Topic: So, I've got chimney / firebox problems
Replies: 19
Views: 2293

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 1:11 pm
Forum: Personal Consumer Issues
Topic: So, I've got chimney / firebox problems
Replies: 19
Views: 2293

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 1:03 pm
Forum: Personal Consumer Issues
Topic: So, I've got chimney / firebox problems
Replies: 19
Views: 2293

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 12:11 pm
Forum: Personal Consumer Issues
Topic: So, I've got chimney / firebox problems
Replies: 19
Views: 2293

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 Oct 17, 2012 10:03 pm
Forum: Personal Consumer Issues
Topic: Paypal
Replies: 30
Views: 2025

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
Tue Oct 16, 2012 4:26 am
Forum: Personal Consumer Issues
Topic: Best Way to Bring / Spend Money Abroad
Replies: 10
Views: 1084

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 09, 2012 5:34 am
Forum: Personal Consumer Issues
Topic: Would you fly American today?
Replies: 24
Views: 1547

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 Sep 18, 2012 5:24 am
Forum: Personal Finance (Not Investing)
Topic: Where do you splurge?
Replies: 31
Views: 2746

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...

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