Search found 3617 matches

by Kenkat
Wed Aug 16, 2017 8:40 am
Forum: Investing - Theory, News & General
Topic: Going passive is an active decision
Replies: 28
Views: 1464

Re: Going passive is an active decision

This is all interesting stuff until you realize that most managers can't seem to pull off a valuation-based approach that actually adds much value.
by Kenkat
Mon Aug 14, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 133
Views: 6275

Re: How far would you travel to see The Eclipse?

I counted 17 people in this thread willing to travel for the eclipse. 18 people. I am not this year because I have a little one and another on the way. But it will be about 2000 miles to see the next one. Based on the volume of users and traffic on this site, that doesn't feel like very many people...
by Kenkat
Sun Aug 13, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 45
Views: 2861

Re: Where to buy glasses for eclipse viewing ?

I got mine on eclipse2017.org several months ago and while they are not currently shipping to individuals, their page says that they may have one more window where they will do express shipments:

http://www.eclipse2017.org/glasses_order.htm

They specifically address the amazon recall as well.
by Kenkat
Sun Aug 13, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Alternatives/choices with ambulance or rescue squad
Replies: 25
Views: 1065

Re: Alternatives/choices with ambulance or rescue squad

Based on my experience with aging parents in law, the issue with private transport services or Uber is that often the biggest challenges is to get the person up off the floor. These services are really not equipped for that. I would suggest that you call your local EMS / Fire department and ask them...
by Kenkat
Sun Aug 13, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 133
Views: 6275

Re: How far would you travel to see The Eclipse?

I counted 17 people in this thread willing to travel for the eclipse. 18 people. I am not this year because I have a little one and another on the way. But it will be about 2000 miles to see the next one. Based on the volume of users and traffic on this site, that doesn't feel like very many people...
by Kenkat
Sun Aug 13, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: E-delivery of transaction confirmations
Replies: 12
Views: 807

Re: E-delivery of transaction confirmations

The Dept. of Labor Fiduciary Rule leaves a lot open to interpretation. I would say it is likely that this is Fidelity's interpretation of the rule and is how they chose to implement compliance to the rule rather than a hard and fast "thou shalt" rule from DOL.
by Kenkat
Sun Aug 13, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Your Movie Collection?
Replies: 41
Views: 2620

Re: Your Movie Collection?

All my movies are free from my Public Library. +1 This is mostly what we do as well. We do have a Blu-Ray player and it does upscale regular DVDs and does a pretty good job. I have a pretty hard time telling the difference although for big visual movies like Avatar or The Force Awakens, it's worth ...
by Kenkat
Sun Aug 13, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 133
Views: 6275

Re: How far would you travel to see The Eclipse?

I counted 17 people in this thread willing to travel for the eclipse. Based on the volume of users and traffic on this site, that doesn't feel like very many people to me.
by Kenkat
Sat Aug 12, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 133
Views: 6275

Re: How far would you travel to see The Eclipse?

FedGuy wrote:I guess I just don't see the point of travelling to see something I'm not supposed to look at.
When the eclipse is total, you can look without eye protection.
by Kenkat
Sat Aug 12, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: Cheapest way to upgrade iPhones ?
Replies: 35
Views: 2862

Re: Cheapest way to upgrade iPhones ?

If you can wait until Black Friday, there are usually good deals to be had.
by Kenkat
Fri Aug 11, 2017 6:22 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 133
Views: 6275

Re: How far would you travel to see The Eclipse?

I am traveling about 4 hours to see it. 2024 will be much closer, only about 45 minutes.
by Kenkat
Thu Aug 10, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 7310

Re: Aug. 2017 US total eclipse hotel reservations.

I will believe these traffic issues when I see them. I don't know anyone else who is planning to drive to see the eclipse, most people haven't even heard of it and those that have typically say that they will just watch it from home, not realizing there is a big difference between being in the zone...
by Kenkat
Thu Aug 10, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Justifying an Expensive Car Purchase
Replies: 120
Views: 5564

Re: Struggling with Justifying an Expensive Car Purchase

Buy the cheaper car. When your kid(s) get older and start driving, give them the cheaper car and buy the expensive car. You will have earned it at that point.
by Kenkat
Thu Aug 10, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 7310

Re: Aug. 2017 US total eclipse hotel reservations.

I will believe these traffic issues when I see them. I don't know anyone else who is planning to drive to see the eclipse, most people haven't even heard of it and those that have typically say that they will just watch it from home, not realizing there is a big difference between being in the zone ...
by Kenkat
Thu Aug 10, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Gaming laptop vs gaming pc for AAA hi-end graphics games?
Replies: 49
Views: 2333

Re: Gaming laptop vs gaming pc for AAA hi-end graphics games?

Ah, Computer Shopper. Good times, good times...
by Kenkat
Thu Aug 10, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Justifying an Expensive Car Purchase
Replies: 120
Views: 5564

Re: Struggling with Justifying an Expensive Car Purchase

It sure would help if you included what the current car is and what the two cars you are looking at are...
by Kenkat
Thu Aug 10, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: Gaming laptop vs gaming pc for AAA hi-end graphics games?
Replies: 49
Views: 2333

Re: Gaming laptop vs gaming pc for AAA hi-end graphics games?

Can someone estimate the time it would take a newb to build a gaming rig, provided that all the ordered parts arrive? At the same time, how difficult is it to swap out a graphics card even if you didn't build the entire rig yourself? I find the idea of swapping out single parts out of an already wo...
by Kenkat
Tue Aug 08, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 16134

Re: Life at crossroads. What would you do ?

What exactly is old tech?
by Kenkat
Mon Aug 07, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 93
Views: 5598

Re: Where to View Total Eclipse? - Kansas City / Nashville et al

I feel like the traffic issue is being overhyped for most locations. Most people are not going; I only know a couple of people who are even talking about it. Now we will see if I am right or wrong!
by Kenkat
Sun Aug 06, 2017 10:19 am
Forum: Investing - Theory, News & General
Topic: The Only Thing Wrong with Active Management is the Fees - Bloomberg Article
Replies: 26
Views: 2888

Re: The Only Thing Wrong with Active Management is the Fees - Bloomberg Article

Fees may not be the only thing wrong with active management, but it is the main thing wrong.
by Kenkat
Sun Aug 06, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: Buying a new TV. What do I need to know now?
Replies: 29
Views: 2197

Re: Buying a new TV. What do I need to know now?

I would buy a 4K HD Smart TV from one of the major brands - Samsung, LG, Sony, etc. Go to a store and look at the choices. Best Buy, Sam's / Costco, etc. and find something that you like. You should be able to get something very nice for under $1000, if you can wait a few months, there are good deal...
by Kenkat
Sat Aug 05, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 5683

Re: Delta priority boarding - first timer

I find that the Delta app is handy. I generally check a bag when I have multi-leg flights, so it calms me when the app tells me my bag has been loaded on the plane at each leg. The app will also alert you to gate changes. Having Zone 1 (or Sky Priority) on your boarding pass is better than not havi...
by Kenkat
Sat Aug 05, 2017 7:17 am
Forum: Personal Finance (Not Investing)
Topic: A poll: How much money do you want to retire?
Replies: 270
Views: 21004

Re: A poll: How much money do you want to retire?

53, goal is $2m.

I do have a pension so the closer I get to 65, the less I need the $2m so that may allow me to retire early; exactly when is still TBD.
by Kenkat
Fri Aug 04, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: Glassware care
Replies: 12
Views: 723

Re: Glassware care

Don't put them in the dishwasher and buy some Targetford glasses for every day use.
by Kenkat
Fri Aug 04, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else have trouble spending?
Replies: 91
Views: 5572

Re: Anyone else have trouble spending?

Just for a little mental accounting that might help you put things in perspective. You will pay for this car in full for a little over 1 month of earnings. Is one month of earnings worth being anxious over? Is this really going to affect your financial well being in any significant way? I bought a n...
by Kenkat
Fri Aug 04, 2017 7:45 am
Forum: Personal Consumer Issues
Topic: Making a Direct Offer to Purchase a Home
Replies: 28
Views: 2334

Re: Making a Direct Offer to Purchase a Home

Since you have built a working relationship with them, I would approach them and ask them if they would be interested in accepting an offer from you before they put the house on the market and what they were thinking of pricing it at? Mention that they could potentially avoid a real estate sales com...
by Kenkat
Tue Aug 01, 2017 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Best Vanguard account
Replies: 52
Views: 3691

Re: Best Vanguard account

I will add that Target 2045 holds a higher percentage of stocks than the other two, so if you are looking for more conservative (even if it means paying more taxes), the list probably then becomes Wellington, LifeStrategy Moderate Growth and Target 2045 from most conservative to least.
by Kenkat
Tue Aug 01, 2017 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Best Vanguard account
Replies: 52
Views: 3691

Re: Best Vanguard account

So that means you will be in the highest tax bracket and may want to avoid funds that hold taxable bonds which all of these funds do. You might do better to buy something like Total Stock Market Index and pair it with a municipal tax free bond fund like Intermediate Tax Exempt Bond. Of course, that ...
by Kenkat
Tue Aug 01, 2017 7:41 pm
Forum: Personal Consumer Issues
Topic: prescriptions drugs and claw backs
Replies: 20
Views: 1431

Re: prescriptions drugs and claw backs

So is it that you are being charged a co-pay that is higher than the actual drug cost? For example, retail on a drug may be $8 but since you have a $25 co-pay, you pay that? Or are they just flat out charging more? Either way, sounds like a shady practice.
by Kenkat
Tue Aug 01, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market vs. Savings Accounts
Replies: 42
Views: 5468

Re: Vanguard Money Market vs. Savings Accounts

I still don't see a good reason to prefer 1.1% on Vanguard Money Market over the 1.5% I get on my Redneck Bank deposit account. Vanguard not only lacks FDIC insurance, but far more importantly they lack a debit card with a picture of a horse on it. That seems like a really good deal but I did see t...
by Kenkat
Mon Jul 31, 2017 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Need Help on Vehicle Situation/Another Car Purchase Question
Replies: 20
Views: 1515

Re: Need Help on Vehicle Situation/Another Car Purchase Question

Assuming you have a low 18% interest rate on those credit cards you are paying $2,500/yr! How can you afford this debt! You likely could have bought a car on the interest you paid already. Get a cash car for $2-3k and put the rest of the money to pay off cc debt. If the car breaks or your daughter ...
by Kenkat
Sun Jul 30, 2017 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Active vs index, etc.
Replies: 34
Views: 2180

Re: Active vs index, etc.

As they say, all generalizations are inaccurate, including this one. "This one" meaning that index funds outperform active funds. True with total portfolios, not true with individual funds if you can pick the ones that perform best. What I believe to be true is that the active mutual fund...
by Kenkat
Sun Jul 30, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Active vs index, etc.
Replies: 34
Views: 2180

Re: Active vs index, etc.

As they say, all generalizations are inaccurate, including this one. "This one" meaning that index funds outperform active funds. True with total portfolios, not true with individual funds if you can pick the ones that perform best. What I believe to be true is that the active mutual fund...
by Kenkat
Sat Jul 29, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Auto Battery
Replies: 29
Views: 2271

Re: Auto Battery

My experience is that they don't last like they used to. I don't know if it is the cars or the batteries but I used to get batteries with a 5 or 6 year warranty and now the warranties are shorter. I've started using AAA battery service - they come to your house, replace the battery and provide a goo...
by Kenkat
Sat Jul 29, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: Wooden flooring in kitchen
Replies: 51
Views: 4157

Re: Wooden flooring in kitchen

Our house is about 19 years old and we have red oak flooring in our kitchen. We have not had to have it refinished and it still looks good. We did have it screened at around the 10 year mark; they use an abrasive surface that looks like a screen to remove surface blemishes and then re-apply a uretha...
by Kenkat
Fri Jul 28, 2017 8:33 am
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback with 3 car seats vs. other car/suv options
Replies: 68
Views: 3829

Re: 2018 Subaru Outback with 3 car seats vs. other car/suv options

Minivans are a terrible choice for 3 kids, as they no longer come with 3-person 2nd-row bench seats, so you are forced to use 3 rows, which I regard as a major lifestyle downgrade. This is not correct. Both the Honda Odyssey and Toyota Sienna for example have a configurable second row which can acc...
by Kenkat
Wed Jul 26, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Green Dot cards are ID fraud!
Replies: 22
Views: 2757

Re: Green Dot cards are ID fraud!

If the card was prepaid, couldn't you have taken it to the store and used it using someone else's money? Not that you should do this, but I am missing the scam part.
by Kenkat
Tue Jul 25, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 81
Views: 4799

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

I think it's smart to try some various options such as lumbar supports, etc., but if after all that, you hate it, then you hate it. Trade it in, you said yourself you can afford to take the loas and I can guarantee you that whoever takes the trade will be more than happy to make a few bucks and won'...
by Kenkat
Sun Jul 23, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: How am I doing? (dual physician household)
Replies: 45
Views: 5627

Re: How am I doing? (dual physician household)

You could retire now at that expense level and with your assets. You are in the top 5% in net worth in the US, closing in on top 1%. You are doing more than fine.
by Kenkat
Sun Jul 23, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Would you chase down this possible hit and run lead?
Replies: 31
Views: 2877

Re: Would you chase down this possible hit and run lead?

My wife was involved in a hit and run last fall. A guy ran into the back of her. He did stop but when my wife went back to her car to get something to write with, the guy jumped in his car and took off. We called our insurance company and filed a police report but didn't have a plate number so there...
by Kenkat
Sat Jul 22, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Sears appliances from Amazon
Replies: 11
Views: 1208

Re: Sears appliances from Amazon

I love my new Kenmore (probably LG) washer and dryer. At a much, much lower price than LG to start with, they piled on the points, short term expiring points (that got me a tool set), sale price and of course credit card reward points (Citi). A month later, Citi notified me that they were now cheap...
by Kenkat
Sat Jul 22, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 114
Views: 5635

Re: Would you let your teenager spend all his savings on a gaming computer?

Both of my kids built gaming PCs in their early high school years in the $750 range; my older son has upgraded his extensively, with a newer power supply, better graphics card, CPU, more memory, and SSD. He is in a technical computer networking program in college and also uses the PC for running vir...
by Kenkat
Sat Jul 22, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Scooter for local commute - Honda PCX 150, etc...
Replies: 44
Views: 2273

Re: Scooter for local commute - Honda PCX 150, etc...

It is brutally cold to ride any type of scooter or motorbike in winter. It sounds like you are in an area where you get snow, so by winter I mean morning temperatures below freezing and highs below 40 are common. There is a wind chill factor at 35 mph where you are going to want some pretty heavy ge...
by Kenkat
Sat Jul 22, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Am I getting good advice - replace the AC, not the 21 year old furnace
Replies: 33
Views: 2715

Re: Am I getting good advice - replace the AC, not the 21 year old furnace

I recommend replacing both AC and furnace, especially if this is more cost efficient. There have been lots of improvements in heating systems in last 21 years. You will get a more efficient and much improved system, saving on heating costs and providing greater comfort. I agree with this. In our ca...
by Kenkat
Thu Jul 20, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: Sears appliances from Amazon
Replies: 11
Views: 1208

Re: Sears appliances from Amazon

Kenmore does not make any of their appliances. They are all made under contract by other manufacturers such as Whirlpool and LG. The decline in quality is across the board.
by Kenkat
Thu Jul 20, 2017 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: move US Savings Bonds to Vanguard
Replies: 11
Views: 1112

Re: move US Savings Bonds to Vanguard

If your primary goal is simplification, just cash them in and invest the proceeds per your current asset allocation. Although they are earning a decent interest rate, as you said, the amount is small and simplification is paramount.
by Kenkat
Wed Jul 19, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 34
Views: 5043

Re: My Costco/TrueCar auto shopping experience

I just bought a new car, so I have just gone through this ordeal. Once you are locked into a dealer's system as having used True Car, they are entitled to a cut of your deal, so they more than likely will not budge from the price you were quoted. This wasn't the case for me in March. I contacted th...
by Kenkat
Wed Jul 19, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Credit Card Extended Warranty for a TV
Replies: 15
Views: 1106

Re: Credit Card Extended Warranty for a TV

Any advice? Consider using AmEx for such purchases in future. Their process is generally much less hassle than it is with other creditor provided warranty extensions. What (type of) entity actually provides these warranties? Is it banks e.g. Chase, Cap1 etc? Is it payment networks e.g. Visa, MC AmE...
by Kenkat
Tue Jul 18, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Credit Card Extended Warranty for a TV
Replies: 15
Views: 1106

Re: Credit Card Extended Warranty for a TV

Thanks for the info. I spoke to someone at CapitalOne and they sent me to Card Benefit Services who run this for Visa. I've got to have somebody come and give an estimate on the price to repair the set. I've got an appointment set up and we'll see how this goes. That's who I had; hopefully you will...