Search found 80 matches

by krannerd
Tue May 24, 2016 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Advice on house
Replies: 12
Views: 1119

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 w...
by krannerd
Tue May 17, 2016 6:12 pm
Forum: Personal Consumer Issues
Topic: Any bad experiences with Brooklyn Bedding mattress?
Replies: 30
Views: 1631

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: 30
Views: 1631

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: 3524

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: 6433

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 ...
by krannerd
Fri Apr 29, 2016 9:02 pm
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 115
Views: 7110

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: 7349

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: 4826

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: 2034

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: 5413

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: 2044

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: 8827

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: 3897

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: 932

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: 1863

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: 1966

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: 4039

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 prope...
by krannerd
Tue Oct 20, 2015 5:02 pm
Forum: Investing - Theory, News & General
Topic: Convincing friends that they are gambling?
Replies: 59
Views: 4300

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 tru...
by krannerd
Tue Oct 20, 2015 2:17 pm
Forum: Personal Consumer Issues
Topic: New sofa recommendation : Sofa that lasts long
Replies: 24
Views: 2935

Re: New sofa recommendation : Sofa that lasts long

Flexsteel. You will grow tired of looking at it before it wears out. My parents have had Flexsteel sofas last for 30+ years in leather and Herculon. One sofa lasted so long that it became fashionable again.
by krannerd
Fri Oct 16, 2015 7:37 pm
Forum: Personal Consumer Issues
Topic: 2 days in Shanghai - what's worth seeing?
Replies: 11
Views: 1449

Re: 2 days in Shanghai - what's worth seeing?

The Shanghai Museum is top notch. Excellent displays of ceramic and jade along with other collections (e.g. furniture). Agree 100%, it is a great museum. Suggest the propaganda museum as well (I visit frequently). I love walking through the French Concession...lot of great architecture. Also, walk ...
by krannerd
Sat Sep 19, 2015 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Free Kindle Downloads Today
Replies: 49
Views: 4680

Re: Free Kindles Today

Thank you for generously making these available at no cost! I look forward to reading them.
by krannerd
Mon Sep 07, 2015 5:20 pm
Forum: Personal Consumer Issues
Topic: 8,000 Gallon Pool in FL - Chlorine vs. Saltwater Conversion ?
Replies: 27
Views: 2956

Re: 8,000 Gallon Pool in FL - Chlorine vs. Saltwater Conversion ?

I had a 20,000 gallon pool in Phoenix (this may be material). I did my own maintenance and total cost as very low. I used 1 bucket of chlorine tabs annually (purchased in the off season) and I used 5-8 gallons of acid annually. Total cost of materials was $100. Time spent weekly was 10 minutes...but...
by krannerd
Sat Aug 29, 2015 9:03 pm
Forum: Personal Consumer Issues
Topic: Qôr athletic apparel
Replies: 1
Views: 271

Re: Qôr athletic apparel

I have also received their catalogs. Have not purchased anything. Seems VERY expensive. I fit the demographic and would like to buy some items...but cannot convince myself of the value. I would like to do bodyweight squats while in the office and not split my seams. It seems as if their pants would ...
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: 4915

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: 2848

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: 4269

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: 4327

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: 10091

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: 4232

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: 1299

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: 9899

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: 3726

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: 3150

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: 2490

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: 2798

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: 101
Views: 1243438

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: 580

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: 438

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: 1925

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: 1591

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: 3623

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: 587

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: 587

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: 33781

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: 8406

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: 9040

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: 813

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: 7597

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: 7597

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: 82888

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...

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