Search found 3513 matches

by Kenkat
Wed Jun 28, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: Etiquette regarding fence on my property (adverse possession)
Replies: 7
Views: 664

Re: Etiquette regarding fence on my property (adverse possession)

Another option to avoid adverse possession is to grant an easement for some specified period of time.
by Kenkat
Wed Jun 28, 2017 8:00 pm
Forum: Investing - Theory, News & General
Topic: Does Jack Bogle have a conflict of interest?
Replies: 22
Views: 1229

Re: Does Jack Bogle have a conflict of interest?

Jack's only conflict of interest is that he likes helping people more than making money.
by Kenkat
Wed Jun 28, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Middle age job blues
Replies: 86
Views: 7506

Re: Middle age job blues

A friend at work and i talk about this feeling frequently (we are both early 50's and know where all the bodies are buried as they say). It is the feeling that you see the finish line ahead and are rushing towards it, but are being pursued by a pack of wolves and there is some question of which happ...
by Kenkat
Wed Jun 28, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Unused plane ticket
Replies: 6
Views: 770

Re: Unused plane ticket

You can often apply that to a future flight for a change fee - $150 is typical. This may or may not be an option depending on the fare class and airline.
by Kenkat
Wed Jun 28, 2017 7:51 am
Forum: Personal Consumer Issues
Topic: Certified Pre-Owned Honda/Toyota
Replies: 9
Views: 777

Re: Certified Pre-Owned Honda/Toyota

The value of a CPO is the one-year warranty that most dealers provide, which you would not get with an ordinary used car. I would never buy a CPO that was still under the original manufacturer's warranty because then you are just buying an over-priced used car. Not sure about Honda or Toyota but GM...
by Kenkat
Sun Jun 25, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Mediator for ownership division of primary home
Replies: 46
Views: 1451

Re: Mediator for ownership division of primary home

OP I've been in a very similar situation. You need to go with your mom and find out what exactly the legal position on ownership is. Per one of your earlier posts, she believes the law would back her up regarding 80/20 ownership. Well, find out for sure. If the law backs up 80/20, then your mom has...
by Kenkat
Sun Jun 25, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Pre-owned X5 xDrive35d or ML 250 Bluetec
Replies: 4
Views: 447

Re: Pre-owned X5 35d or ML Bluetech

You might want to spell out that the X5 is a BMW and the ML Bluetech is a Mercedes in the title. I had no idea what an ML Bluetech was until I googled it. Which unfortunately means I will not be of much help... :D
by Kenkat
Sat Jun 24, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 4522

Re: What is your car's average cost ownership?

No worries, both calculations have value honestly.
by Kenkat
Sat Jun 24, 2017 12:50 pm
Forum: Investing - Theory, News & General
Topic: Passive vs Active funds
Replies: 36
Views: 1899

Re: Passive vs Active funds

The numbers cited seem questionable to me - when I look up Vanguard's S&P 500 Index fund on Morningstar, I only see it beating it's Morningstar assigned benchmark of Large Blend in 2007 and 2009 (comparison starts in 2007). I also doubt there are many Hartford large blend funds that beat it as t...
by Kenkat
Sat Jun 24, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 4522

Re: What is your car's average cost ownership?

If you want to play these games I can beat all of you: - Bought a 1994 F250 long bed for $3000 - Sold it a year later for $3000 My Total Cost of Ownership = $0 :beer That's not total cost of ownership, that's depreciation cost - but - I love games! 1972 Pontiac Catalina "The Chief" purcha...
by Kenkat
Sat Jun 24, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: emerald ash borer disaster
Replies: 35
Views: 1910

Re: emerald ash borer disaster

Without treatment, those ash trees are goners. I have a large ash tree in my yard that is in a critical spot in terms of privacy, so I have been paying a tree service to treat it via injection using Emamectin Benzoate (brand name Tree-age) every two years. Cost per treatment is around $125. I also h...
by Kenkat
Fri Jun 23, 2017 8:24 pm
Forum: Investing - Theory, News & General
Topic: "Patience Exemplified"
Replies: 2
Views: 685

Re: "Patience Exemplified"

It's a critical concept. Even 20 years is a relatively short time frame when it comes to investing trends.
by Kenkat
Fri Jun 23, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Bitcoin in the event of owner death
Replies: 10
Views: 1149

Re: Bitcoin in the event of owner death

You just need the private key to his bitcoin wallet. Every bitcoin wallet has a private key of numbers or some use a series of phrases that gives you access to the wallet.
by Kenkat
Fri Jun 23, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: New cars w/ no CD player -- what can I do with my CDs?
Replies: 43
Views: 3028

Re: New cars w/ no CD player -- what can I do with my CDs?

I'm glad that manufactures have finally stopped it with the CD players! It's about time! Now if all laptops would do the same. Personally I have never owned a CD or DVD in my adult life, as there is just no point for 15-20 tracks and a major PITA. In college we used to swap MP3s all the time and sp...
by Kenkat
Fri Jun 23, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 4522

Re: What is your car's average cost ownership?

Exactly. I think you're also engaging in wishful thinking. OP did include the cost of tires for some reason but left our other consumables. The actual cost of a car is roughly double the purchase price. There's even a website dedicated for this: https://www.edmunds.com/tco.html No, it's not wishful...
by Kenkat
Fri Jun 23, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 4522

Re: What is your car's average cost ownership?

I still think many people are leaving out the consumables and focusing only depreciation. Total Cost of Ownership should include everything related to the vehicle. They are providing the information that was requested, which was focused on depreciation costs. The OP presented "Total capitalize...
by Kenkat
Fri Jun 23, 2017 8:30 am
Forum: Personal Consumer Issues
Topic: New cars w/ no CD player -- what can I do with my CDs?
Replies: 43
Views: 3028

Re: New cars w/ no CD player -- what can I do with my CDs?

If your car has a USB port, you can use software like MusicBee to copy your CDs to MP3 files, move them to a USB / flash drive and the car will be able to play them direct from the USB. You can also use iTunes and an iPod Touch, Nano or iPhone to play them either through the USB port, Bluetooth or A...
by Kenkat
Thu Jun 22, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Did I just get seriously ripped off?? (Car lease)
Replies: 54
Views: 4535

Re: Did I just get seriously ripped off?? (Car lease)

I don't know if you have it backwards or not, but according to the Edmunds lease forum, the residual should be 55% not 45%... "Hello, I'm looking for the MF, RV, and any incentives and rebates on a 2017 BMW 230i. 36 months and 15K a year. I'm in Texas if that makes a difference. Thanks! .00150...
by Kenkat
Thu Jun 22, 2017 9:13 am
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 4522

Re: What is your car's average cost ownership?

I think many people who posted are forgetting all the ongoing expenses. I'd say not so much forgetting as it's a question of what number can you use to compare to others. Unless you hold all of the variables like gas, insurance, etc. constant, you can't really compare to someone else. However, your...
by Kenkat
Thu Jun 22, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 3342

Re: which IPAD?

I've had my iPad 2 (32gb wifi) since 2011 and have used it pretty much every day. Amazing it has lasted that long but needless to say it's ready to be replaced. I placed an order for the iPad Pro 10.5" 256gb wifi model from B&H Photo. It's not in stock yet but hopefully will be soon. No sa...
by Kenkat
Thu Jun 22, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Did I just get seriously ripped off?? (Car lease)
Replies: 54
Views: 4535

Re: Did I just get seriously ripped off?? (Car lease)

Pretty sure you are talking CAD, not USD, correct? So a $48k car CAD is $36k USD. I don't think you got ripped off on the terms of the lease or the way it was put together. And I think the residual is generally a pre-defined value that is not directly negotiable. Whether or not you could have negoti...
by Kenkat
Wed Jun 21, 2017 8:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: HOW MUCH active management is right for you? :(
Replies: 37
Views: 2631

Re: Vanguard: HOW MUCH active management is right for you? :(

I understand and agree with all the logic favoring index funds. However, what do we say about PRIMECAP fund? It's performance has been too good over the years to attribute it to "just good luck". In what way? Since Vanguard's Midcap Index fund started in June '98 it has outperformed Prime...
by Kenkat
Wed Jun 21, 2017 8:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: HOW MUCH active management is right for you? :(
Replies: 37
Views: 2631

Re: Vanguard: HOW MUCH active management is right for you? :(

Before I became a Boglehead I appreciate one of those advisors who recommend 5 star funds recommending Windsor 2 many years ago. I would have been better off with one of Vanguard's index funds but still the returns on Windsor 2 were pretty good, especially compared to something like active manageme...
by Kenkat
Wed Jun 21, 2017 8:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: HOW MUCH active management is right for you? :(
Replies: 37
Views: 2631

Re: Vanguard: HOW MUCH active management is right for you? :(

Yeah, I don't like Vanguard hunting for more profits by pushing active management that way. They could have made a better, and more honest, case by saying that active management does decrease expected returns, but also increases their volatility and some results are unattainable by expected returns...
by Kenkat
Wed Jun 21, 2017 8:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: HOW MUCH active management is right for you? :(
Replies: 37
Views: 2631

Re: Vanguard: HOW MUCH active management is right for you? :(

I understand and agree with all the logic favoring index funds. However, what do we say about PRIMECAP fund? It's performance has been too good over the years to attribute it to "just good luck". In what way? Since Vanguard's Midcap Index fund started in June '98 it has outperformed Prime...
by Kenkat
Wed Jun 21, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 4522

Re: What is your car's average cost ownership?

I like to keep things simple so I tend to look at depreciation as a stand-alone metric - basically: purchase price of car - residual value / years = cost per year I like to be somewhere between $2000-2500 per year or less if possible. I get total cost of ownership and I track that as well but you ca...
by Kenkat
Sun Jun 18, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: When do you reduce or stop disability insurance coverage
Replies: 11
Views: 844

Re: When do you reduce or stop disability insurance coverage

I think that the primary measure is this: if you suddenly lost your job tomorrow, what would you do? If you would need to find another job to make ends meet, you probably should keep the policy. If instead as others have said you'd just call it quits and retire, you could most likely let it lapse.
by Kenkat
Sun Jun 18, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Car purchase Vs. car leasing
Replies: 11
Views: 1364

Re: Car purchase Vs. car leasing

If you are one to keep cars for a long time, you'd be far better served by buying rather than leasing. I would only lease if you want the car for the term of the lease and plan to get rid of it hen the lease is up. For the Acuras, I would look for 2-3 year old models. The RLX hasn't been a strong se...
by Kenkat
Fri Jun 16, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: Happy Fathers Day - got me a used Weber grill!
Replies: 26
Views: 2450

Re: Happy Fathers Day - got me a used Weber grill!

Make sure to keep it clean. My E310 has been Pretty much junk. My parents have had Weber's for 10+ years but the quality has gone down hill. On my third set of flavorizers, second set of burners, second set of grill grates, and just had to buy a new propane line. It stays under a covered lanai, and...
by Kenkat
Fri Jun 16, 2017 12:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 104
Views: 10173

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

I never understood why people like this fund at times that it has higher risk and lower return than other choices. Like right now. You can get 1.25% to 1.35% returns at a few online banks today. FDIC insured. For money that's already sitting at Vanguard that we don't want to move to a bank, we coul...
by Kenkat
Fri Jun 16, 2017 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Critique and an Old 401
Replies: 18
Views: 1275

Re: Critique and an Old 401

You've got good choices in both the old 401(k) and the new. There's really not a compelling reason to do anything with the old 401(k) except moving it to the new 401(k) would simplify record keeping slightly. I'd probably just leave it where it is as you retain some flexibility to have the option to...
by Kenkat
Fri Jun 16, 2017 8:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 104
Views: 10173

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

I moved all my reserve cash from CapitalOne 360 Savings to Prime MM a couple of weeks ago. CapitalOne 360 Savings has been stuck at 0.75% for a while, while other online savings are 1%+ and edging up slightly. But the online savings yields haven't budged much, so I wonder what the dynamics are. The...
by Kenkat
Fri Jun 16, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: Who mixes android and iOS
Replies: 24
Views: 1009

Re: Who mixes android and iOS

I have been a long time iPad user but use a Samsung Galaxy S6 (Android) phone. I thought there would be more of a "jump" between the two platforms but there's really not and I found the Android phone mostly intuitive once I got used to a couple of differences. A lot of the apps are availab...
by Kenkat
Thu Jun 15, 2017 8:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 104
Views: 10173

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

I moved all my reserve cash from CapitalOne 360 Savings to Prime MM a couple of weeks ago.
by Kenkat
Thu Jun 15, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: GE dishwasher rack coating
Replies: 18
Views: 849

Re: GE dishwasher rack coating

Welcome to the wonderful world of disposable appliances, where you are lucky to get more than 5 years out of them before they need either repair or replacement. We had a Maytag that did the same after a relatively short time. As you found with your GE, replacing the racks is almost as much as buying...
by Kenkat
Wed Jun 14, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: Best Cheap Champagne
Replies: 60
Views: 3714

Re: Best Cheap Champagne

I thought Freixenet WAS the good stuff, Moet was the wow, you're really going all out and Dom was the you've got to be kidding me. If they don't sell it at WalMart, it's not cheap enough.

For cheap champagne, I go with Cook's Brut.
by Kenkat
Tue Jun 13, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: How many tech devices do you have?
Replies: 75
Views: 3128

Re: How many tech devices do you have?

Family of 4 (two college age kids): 4 Samsung Galaxy S6 smart phones iPad Pro, iPad Air 2, iPad 2 *, iPad Mini * iPod Touch 4th Gen, iPod Nano 3rd Gen 3 desktop computers 2 laptop computers 2 wifi routers for coverage 5 flat panel TVs 1 vintage large screen projection TV * 2 PS3 consoles, 2 PS2 cons...
by Kenkat
Tue Jun 13, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Watch Batteries
Replies: 53
Views: 2294

Re: Watch Batteries

I am told that I can not put a battery in it that lasts longer than a year. My watch battery regularly lasts about five years so I don't understand this statement. I used to buy several watch batteries at a time but found that they gradually discharge by the time I need them so now I just buy one a...
by Kenkat
Mon Jun 12, 2017 2:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard believes in active managment
Replies: 19
Views: 1500

Re: Vanguard believes in active managment

Vanguard believes low cost and low turnover (called patience above) results in good performance. How exactly the fund is managed is less important to them. The overwhelmingly biggest problem with active funds is their cost; Vanguard active funds have largely eliminated that problem.
by Kenkat
Mon Jun 12, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 3342

Re: which IPAD?

Alexa9 wrote:The new base model iPad $329 is a bargain.
The new 10.5" iPad Pro $649 is exceptional but pricy.


I strike my previous comment - didn't realize the Pro 9.7 is on the way out and there was a new base iPad. Starting at $329, that sounds like a pretty good deal unless you are a true power user.
by Kenkat
Mon Jun 12, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 3342

Re: which IPAD?

I have an iPad Pro 9.7 (predecessor to the new Pros that just came out). I upgraded from an iPad 2 on Black Friday this past year. It has plenty of power for what I use it for which is similar to your usage. My son got an Air 2 at the same time last year and he's been perfectly happy with it as well...
by Kenkat
Sun Jun 11, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: [Laser] diffusers - illegal? Too good to be true
Replies: 15
Views: 1292

Re: Radar diffusers - illegal? Too good to be true

Anything that "indicates" that your vehicle is going under the speed limit involves transmitting a radio signal at a specific frequency. This is illegal because you are operating a radio transmitter on a reserved frequency and do not have a license to do so. Radar detectors on the other ha...
by Kenkat
Sun Jun 11, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: Best Way To Code A Text Parser
Replies: 27
Views: 1543

Re: Best Way To Code A Text Parser

nisiprius wrote:SNOBOL.

No, I don't really mean it, I'm just trying to show everybody how old I am.


Oh, good, it wasn't just me who thought this although I was thinking RPG running on a System/38 - or as the younger crowd knows it, AS 400.
by Kenkat
Sun Jun 11, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: 2004 LEXUS RX 330
Replies: 46
Views: 2611

Re: 2004 LEXUS RX 330

I am pretty sure you can remove the middle seat in the Highlander or fold it down and use it as a center console. I'd look at the Highlander as something you might drive for 15 years so $35,000 / 15 = $2,333 per year. The RX is already 13 years old so let's say you get another 5 years out of it - so...
by Kenkat
Sat Jun 10, 2017 9:37 pm
Forum: Investing - Theory, News & General
Topic: Tell me a stock you like better than Google/Alphabet Right Now and Why
Replies: 101
Views: 7410

Re: Tell me a stock you like better than Google/Alphabet Right Now and Why

My advice would be to start tracking your performance against some benchmark like Growth Index or S&P 500 Index (if you are not) and see how you do over 3-5 years. It is very difficult for the individual investor to pick stocks and beat the market; many here would say it is nearly impossible. M...
by Kenkat
Sat Jun 10, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: To re-paint car bumper, or wait
Replies: 12
Views: 829

Re: To re-paint car bumper, or wait

You could also try using something like ScratchX or Meguires Cleaner Wax to remove some of the scuffs before a little touch up paint.
by Kenkat
Sat Jun 10, 2017 3:21 pm
Forum: Investing - Theory, News & General
Topic: Tell me a stock you like better than Google/Alphabet Right Now and Why
Replies: 101
Views: 7410

Re: Tell me a stock you like better than Google/Alphabet Right Now and Why

My advice would be to start tracking your performance against some benchmark like Growth Index or S&P 500 Index (if you are not) and see how you do over 3-5 years. It is very difficult for the individual investor to pick stocks and beat the market; many here would say it is nearly impossible. Ma...
by Kenkat
Sat Jun 10, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 2209

Re: Naming boat

Get Rich Slowly

Go to advanced search