Search found 112 matches

by krannerd
Wed May 02, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Nontraditional Cruising
Replies: 21
Views: 2281

Re: Nontraditional Cruising

I did 6 days in the Galapagos with Lindblad (affiliated with National Geographic). The cruise was as active as you wanted to be with snorkeling, hiking, kayaking. There were many shore excursions with knowledgeable guides and even lectures on topics of interest. The food was very good (so you could ...
by krannerd
Wed May 02, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Are bonus and equity pro-rated at lay off?
Replies: 16
Views: 1543

Re: Are bonus and equity pro-rated at lay off?

It depends on your company policy. HR should have a summary policy description which answers those questions.

Some also have additional benefits if you're laid off as part of an acquisition.
by krannerd
Thu Apr 05, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 59
Views: 4610

Re: Tequila and Magaritas

I tend to go with more value priced ingredients (Cuervo/Sauza for Tequila and DeKuyper/Mr.Boston for Triple Sec) for Margaritas. I've experimented with the higher quality liquors and don't find that the drink tastes any better. The quality of the mix is important and I serve a "lite" mix (Cuervo, I ...
by krannerd
Tue Mar 06, 2018 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: 401k contribution strategy
Replies: 3
Views: 667

401k contribution strategy

I'm seeking advice on a contribution strategy for my 401k. My employment with current company will be ending on June 30 and employment with a new company is not yet determined. I'm trying to think about how to put myself in a position to fully fund a 401k this year but also leave space for future em...
by krannerd
Mon Feb 05, 2018 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity IRA to Roth IRA wait time?
Replies: 8
Views: 529

Re: Fidelity IRA to Roth IRA wait time?

My experience is that there is 1 full business day between funding an IRA and being able to convert....the same for time that the conversion takes.

So, of you funded the IRA today , you can convert on Wednesday. And you,could purchase funds in the converted IRA on Friday.
by krannerd
Sun Dec 24, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 13010

Re: European Cities that don't interest you

I did not care for Madrid. The night life wasn't a draw and I don't like having dinner at 10PM. There was some interesting architecture, but not enough to keep my interest.

I was there for a week (school related) and would not go back.
by krannerd
Wed Jul 26, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: BMW Z3 or Z4 or nothing at all?
Replies: 79
Views: 7212

Re: BMW Z3 or Z4 or nothing at all?

I had a 2004 Z4 3.0 for 6 years. It was a complete blast to drive and was generally trouble free. This car was therapy for me to drive to/from work. Living in AZ, the top was down at least 1 way to/from the office for 9 months out of the year. My wife did not like it as it sat too low for her and sh...
by krannerd
Mon Mar 27, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: China Trip - Visa Expediter?
Replies: 26
Views: 2164

Re: China Trip - Visa Expediter?

I've used CIBT for my work related visas to China. It was quite seamless. They now offer a service ($$) where they'll print digital pictures for you instead of having to go get a specific passport photo. I'm not sure of the rates for this service, but it's $200+ (depending on timing that you need). ...
by krannerd
Tue Mar 21, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Long term unemployment planning
Replies: 61
Views: 3860

Re: Long term unemployment planning

OP, Based on the numbers you provide, I think you could hold out almost indefinitely in an unemployed state. Unemployment in Illinois will pay out $613 for you and child weekly (and possibly an additional $419 for your working spouse...not sure about total family benefits allowed). So...best case yo...
by krannerd
Sat Jan 07, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Bedroom is colder than rest of house. Radiator heating question.
Replies: 70
Views: 5197

Re: Bedroom is colder than rest of house. Radiator heating question.

What is the water pressure setting for your boiler? I have a 70's vintage boiler and the water pressure greatly affects upstairs temps. If upstairs is cold, I add water. If it's hot, I wait for the pressure to drop. Realize that you have a newer boiler....Any chance that a tune up would help? Anothe...
by krannerd
Thu Jan 05, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: spousal disagreement over how much house to buy
Replies: 99
Views: 7781

Re: spousal disagreement over how much house to buy

What will happen if the person with the largest salary loses their job? Will you be able to make the house payment and associated costs without touching emergency? OP, I'm going to 2nd this sentiment. My wife and I bought a nice house that we could afford on 1 income (even though we were both worki...
by krannerd
Wed Jan 04, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: How to dress for winter vacation in Alberta
Replies: 45
Views: 3148

Re: How to dress for winter vacation in Alberta

You should dress for the activities that you're planning to undertake while on vacation. Minnesotan here who spends time outside in the winter....and I've got multiple layers of different gear depending on activity. Basically: layers, layers, layers. Wicking undergarments if you're going to sweat at...
by krannerd
Thu Dec 08, 2016 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Current Market rally
Replies: 61
Views: 9126

Re: Current Market rally

At current levels I don't particularly want to buy stocks or bonds. I've been worried about both stocks and bonds being overvalued for years now...everything is always too expensive and doomed to drop in value soon. Luckily, I continued to plow along with automatic investments according to my asset...
by krannerd
Wed Dec 07, 2016 9:40 am
Forum: Personal Consumer Issues
Topic: Should I fill out survey evaluation of my boss?
Replies: 53
Views: 5761

Re: Should I fill out survey evaluation of my boss?

Agree with the posters above that suggest you complete the survey with information that you would say publicly and have on the record. I avoid these whenever possible and put in only the minimum when asked. It sounds like this is a small survey for your department only. If administered by HR, I woul...
by krannerd
Tue Dec 06, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: Any particular oven toaster you prefer????
Replies: 23
Views: 2741

Re: Any particular oven toaster you preffer????

I've had two of this Cuisinart model over the past fifteen years. . My wife got me one of these for Christmas years ago....not a big fan of it. Toasting is slow (3-4 minutes) and results are uneven. It's good for cooking things on Thanksgiving and reheating pizza....but, it was unnecessarily expens...
by krannerd
Fri Dec 02, 2016 12:29 pm
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 9161

Re: What percentage of international do you hold?

International Equity: 27% of all equity, 19% of total portfolio

International Bonds: 0%

Not sure how I got to my target of 25-30% international equity...but think I'll stay about here for a while. After reading this thread...seems like I'm in reasonable company.
by krannerd
Fri Dec 02, 2016 11:38 am
Forum: Personal Consumer Issues
Topic: CBP (INS) Global Entry program worth it?
Replies: 65
Views: 5157

Re: CBP (INS) Global Entry program worth it?

Totally worth it...and the PreCheck benefits are very nice. A few years ago, I did an international to domestic transit at LAX in 30 minutes (from deplanement to through security 2 terminals away). Basically, I walked up to the Global Entry kiosk, was done there in 30 seconds, handed my printout to ...
by krannerd
Wed Nov 09, 2016 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: India to Replace Largest Bank Notes
Replies: 20
Views: 2975

Re: India to Replace Largest Bank Notes

I can't think of any legitimate bank or financial institution that would either buy or sell rupees outside of India since that is also de facto illegal. Funny that you say this as my local Wells Fargo bank branch is more than willing to order some for me from their foreign exchange desk. I think th...
by krannerd
Mon Oct 31, 2016 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Househould spending analysis
Replies: 17
Views: 2693

Re: Househould spending analysis

For reducing insurance spend....you can raise deductibles. This assumes that you have enough cash on hand. I've shopped around for a little bit, but have been with State Farm for 20+ years and it's difficult to get other insurers to be close to what I'm paying for home and auto now. Are you interest...
by krannerd
Sat Oct 29, 2016 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Nanny Tax?
Replies: 26
Views: 3695

Re: Nanny Tax?

I'm in MN and used a local tax prep (bergstrom tax) firm in SW minneapolis to prepare our documents and tax forms. We paid her via bank transfer weekly and paid the taxes quarterly.

I think the costs were $40 per quarter and they knew how to navigate the state agencies.

Hope this helps.
by krannerd
Fri Oct 07, 2016 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Pension / 401k options
Replies: 2
Views: 429

Help with Pension / 401k options

Hello All, I've recently ended my relationship with a long term employer and am seeking guidance on options for what to do with my 401k and pension. I'm 39, married and in good financial shape overall (good e-fund, LBYM, etc). 401k: I have good fund choices with low expense ratios. I plan to keep th...
by krannerd
Mon Sep 19, 2016 10:05 pm
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 4807

Re: Advice on snowblower

Minneapolitan here. Have a 2 stage Ariens and it's almost overkill. I've got a corner lot in the city and a 2 car drive....about 1000 sq ft of surface. Comments about my machine: --it's too heavy for me to transport for repair --it leaves a small layer of snow on the concrete that I shovel...sometim...
by krannerd
Fri Sep 16, 2016 1:19 pm
Forum: Personal Consumer Issues
Topic: Which city for part time home during retirement?
Replies: 86
Views: 7729

Re: Which city for part time home during retirement?

Tucson AZ 1- Affordable: I think $400k gets you quite a bit there (depending on neighborhood). 2- Liberal leaning city: Typically elect democrats to state office and much more liberal than Phoenix. Not terribly liberal, but left of center 3- Weather: Winter is awesome! Sunny, dry, 50's during the da...
by krannerd
Wed Aug 03, 2016 5:48 pm
Forum: Personal Consumer Issues
Topic: Community Solar [Should I buy a solar farm]
Replies: 13
Views: 1168

Re: Community Solar [Should I buy a solar farm]

I also live in MN and have been blanketed with ads for community solar. Incentives expire this year which explains the marketing blitz. I have read that there are concerns about the viability of the organizations that provide the solar energy. The 25 year contract is what worries me the most about t...
by krannerd
Tue Jul 26, 2016 1:52 pm
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 105
Views: 8841

Re: Winter Tires: Yay or Nay

Minneapolis here....have AWD and run winter tires for ice performance. When it's -20 for a week and the city's a hockey rink, I like to be able to start and stop more effectively. My wife has FWD and all season tires...huge difference. If you were concerned about the tires....late spring is usually ...
by krannerd
Sun Jun 19, 2016 5:05 pm
Forum: Personal Consumer Issues
Topic: How to dispose of an inorganic chemical kit?
Replies: 35
Views: 3358

Re: How to dispose of an inorganic chemical kit?

Check your county or city website. Many have hazardous waste drop off locations.

You can also Google your city and hazardous waste.....there are sometimes specific days that you can leave these by your trash can.
by krannerd
Mon Jun 13, 2016 10:50 am
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 206
Views: 20317

Re: What is your overall portfolio weighted expense ratio

0.11% including all investments. My worst fund is 0.26% (small cap fund in the 401k...working to get rid of this).
by krannerd
Mon Jun 13, 2016 10:33 am
Forum: Personal Consumer Issues
Topic: How many activities for your kids?
Replies: 70
Views: 7934

Re: How many activities for your kids?

I've got a 4 year old...not going to over-subscribe him. Last month, he was in swim lessons as the Y for 2 days a week at 30 min each...it's a 5 minute drive. This month, he's playing T-ball at the park 3 blocks away 2 nights a week. 1 activity at a time is about right for us. If he eventually turns...
by krannerd
Mon Jun 13, 2016 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Brooklyn Bedding or Bed in a box anyone?
Replies: 8
Views: 1110

Re: Brooklyn Bedding or Bed in a box anyone?

Bought from Brooklyn 6 weeks ago. Good experience and nice product. I got a firm mattress...and it is FIRM.

Get 5%off with a code from mattress underground.

Requires 2 people to move the box.
by krannerd
Fri Jun 03, 2016 10:07 am
Forum: Personal Consumer Issues
Topic: Roofing replacement
Replies: 15
Views: 1918

Re: Roofing replacement

My recommendation....get more quotes. The one contractor you spoke with may only be interested in full replacements and not repairs. You will find others who have different opinions and willingness to work on your roof. You'll also see how much pricing can vary between contractors.
by krannerd
Fri May 27, 2016 9:01 pm
Forum: Personal Consumer Issues
Topic: Do I want a house with a pool?
Replies: 96
Views: 9170

Re: Do I want a house with a pool?

Had a pool in Phoenix. It was wonderful. Maintained it my myself and costs were low. It's not hard if you check weekly.

In Minnesota now. No way do I want a pool.

Hope this helps.
by krannerd
Thu May 26, 2016 6:01 pm
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 117
Views: 7626

Re: What was your first investment?

12 shares of Papa John's Pizza shortly after IPO. Gave it away a few years ago after it was up 2000%....cost basis adjusted was $2 a share and gave it away at $45.

All other investments since have been a disappointment. Hence, I am in index funds now.
by krannerd
Tue May 24, 2016 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Advice on house
Replies: 12
Views: 1425

Re: Advice on house

Why not go on a "fishing expedition" with your current house? You could have several realtors provide you with estimates of the value of your house and compete over their commission. Based on that information of potential sales prices...you could check out alternate neighborhoods and see what you co...
by krannerd
Tue May 17, 2016 6:12 pm
Forum: Personal Consumer Issues
Topic: Any bad experiences with Brooklyn Bedding mattress?
Replies: 36
Views: 12014

Re: Any bad experiences with Brooklyn Bedding mattress?

Had a good experience.....got a firm queen...sleeps well. No complaints at all. Moving the box in does require 2 people. How long have you had it? Did you notice it softening as time went on? 10 days so far....too early to tell. However...it is firm. Little motion transfer when I move. The side of ...
by krannerd
Tue May 17, 2016 12:55 pm
Forum: Personal Consumer Issues
Topic: Any bad experiences with Brooklyn Bedding mattress?
Replies: 36
Views: 12014

Re: Any bad experiences with Brooklyn Bedding mattress?

Had a good experience.....got a firm queen...sleeps well. No complaints at all.

Moving the box in does require 2 people.
by krannerd
Mon May 16, 2016 1:26 pm
Forum: Investing - Theory, News & General
Topic: What % do you have in alternatives? REITs, commodities, etc.)
Replies: 67
Views: 6243

Re: What % do you have in alternatives? REITs, commodities, etc.)

4% in REITs and 3% in commodities as part of a target date retirement fund.
by krannerd
Thu May 05, 2016 12:56 pm
Forum: Investing - Theory, News & General
Topic: How many funds in your portfolio?
Replies: 99
Views: 10436

Re: How many funds in your portfolio?

12 funds / tickers 1 employer stock fund (tiny) 3 appreciated equity positions 2 Bond funds (different accounts) 1 S&P 500 Index 2 Small / Midcap US Index 1 Total US Index 1 International Index 1 Retirement Target Date fund Down from 18 a few years ago. My target is to consolidate the 500 index and ...
by krannerd
Fri Apr 29, 2016 9:02 pm
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 115
Views: 11126

Re: So,are Bogleheads Bourbon or Scotch drinkers?

barnaclebob wrote:Yes...
Violently agree with this!
by krannerd
Fri Jan 29, 2016 10:56 am
Forum: Personal Finance (Not Investing)
Topic: The Boglehead Way of Employment
Replies: 82
Views: 9943

Re: The Boglehead Way of Employment

I agree that health care - dentist/surgeons/physicians and other jobs like nursing etc are great. They pay well, are recesson proof and can't be off shored. My dentist and I had a conversation about this...he noted that he (and his peers) are afflicted with repetitive stress injuries in their hands...
by krannerd
Fri Jan 29, 2016 10:50 am
Forum: Personal Consumer Issues
Topic: Which news source do you use?
Replies: 67
Views: 7080

Re: Which news source do you use?

My news habits reflect others who have already posted: NY Times, WSJ, Economist (paid subscriptions to all 3). My rationale is that I get the perspectives of the left, right and international journalists. My local paper (Star Tribune) is mainly wire reports, adverts and discussions of local notables...
by krannerd
Sat Jan 23, 2016 11:24 am
Forum: Personal Consumer Issues
Topic: improper furnace install from previous homeowner, what now?
Replies: 19
Views: 2544

Re: improper furnace install from previous homeowner, what now?

The furnace has been working just fine. However, it sits in a closet with a vented door, through which CO may leak from (which appears to violate current building code). None of the smoke detector/CO alarms have ever gone off though. I suggest getting a CO detector with a display that will read low...
by krannerd
Sun Jan 17, 2016 11:11 am
Forum: Personal Finance (Not Investing)
Topic: What's your company 401k contribution
Replies: 105
Views: 7485

Re: What's your company 401k contribution

$0.75 for every $1.00 contributed up to 8% of salary after 8 years of service. The match is up to 4% for the first 8 years of service. We have good choices with reasonable fees...and the fees have declined in the last few years. I am still covered under a pension that is not terribly generous...but ...
by krannerd
Fri Dec 18, 2015 9:17 am
Forum: Personal Finance (Not Investing)
Topic: For people with a MBA..when should I be looking to apply?
Replies: 30
Views: 2515

Re: For people with a MBA..when should I be looking to apply?

I started my MBA with 2 years of experience at a top 25 school. I think that 1 more year would have made a difference for me...more experience would have made the work more relevant. If you're planning on attending a Top 10 type school...even more experience may make you a more viable candidate. I s...
by krannerd
Sun Dec 06, 2015 1:09 pm
Forum: Personal Consumer Issues
Topic: Holiday tipping: letter carriers
Replies: 120
Views: 11377

Re: Holiday tipping: letter carriers

We have a letter carrier who is the primary carrier for our house. He's nice and friendly. One year he got a plate of Christmas cookies from us...said he loved the fudge...so, now he gets fudge each year. I've not done this elsewhere...but our letter carrier is a neighborhood fixture and we treat hi...
by krannerd
Sat Nov 28, 2015 9:46 pm
Forum: Personal Consumer Issues
Topic: Are suitcase locks worth it?
Replies: 44
Views: 5174

Re: Are suitcase locks worth it?

I do not have suitcase locks. One time, years ago, someone opened my bag after it was checked and put on someone else's lock by mistake. I carry on anything of value...let the baggage thieves have my dirty clothes...on the rare occasion that I check a bag. In seriousness...a slightly determined thie...
by krannerd
Fri Nov 06, 2015 12:15 pm
Forum: Personal Consumer Issues
Topic: 12 foot step laddder
Replies: 13
Views: 1227

Re: 12 foot step laddder

Think first about how big the ladder is in it's closed position, and if/how to angle that into the house and up. My house is much smaller, but no way could I get my 24 foot extension ladder in through the door without hitting a wall. This! I have an 8' step and it is a pain...bouncing off of ceilin...
by krannerd
Fri Oct 23, 2015 11:33 am
Forum: Personal Consumer Issues
Topic: Total Wine Store
Replies: 27
Views: 2330

Re: Total Wine Store

This is a superb store. We recently had 2 open in Minneapolis (a market dominated by corner liquor stores with high prices and poor service). Total Wine has great prices on almost everything...and a superb selection. Their staff are generally knowledgeable and willing to help. They offer regular tas...
by krannerd
Wed Oct 21, 2015 10:05 am
Forum: Personal Consumer Issues
Topic: Winter Tires (or Tyres) for new car: TPMS aggravation
Replies: 22
Views: 2437

Re: Winter Tires (or Tyres) for new car: TPMS aggravation

My winter tires do not have TPMS and no dinging after the first...there's an idiot light, but that's it. The wife knows to look for it and is now unconcerned with the lack of TPMS.
by krannerd
Wed Oct 21, 2015 9:52 am
Forum: Investing - Theory, News & General
Topic: 401k - how often do you check it?
Replies: 53
Views: 5601

Re: 401k - how often do you check it?

Age: 37 Years until retirement: 25? 20? Every day. Age 38: Years until retirement: 15-20 I'm not checking every day...but at least monthly and every time I have a "bad day" at work. I don't tinker, but like to see what's in there...and recalculate the % to divert to get to the limit properly. Speak...
by krannerd
Tue Oct 20, 2015 5:02 pm
Forum: Investing - Theory, News & General
Topic: Convincing friends that they are gambling?
Replies: 59
Views: 5547

Re: Convincing friends that they are gambling?

Agree with "The Wizard" If not asked don't answer. I don't even answer if asked -- other than to point to Bogleheads book/site. All downside to giving advice to friends and family. That is excellent advice. In my experience 9 of 10 won't look up the book or visit the website. Sad, but true. Life go...