Search found 215 matches

by kenoryan
Tue Oct 01, 2019 9:51 am
Forum: Personal Finance (Not Investing)
Topic: How does SS security office knows you're alive?
Replies: 19
Views: 2598

Re: How does SS security office knows you're alive?

Every few years, SSA will send you a form to fill out. If it is not filled out and returned in a timely manner, they will stop the checks or direct deposit. Then it is a huge pain in the butt to get the payments restarted. Happened to my mom. And when she died this year, the funeral home sent a copy...
by kenoryan
Sun Sep 22, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: Can anyone recommend an affordable TV stand wide enough for a 65" TV?
Replies: 28
Views: 1623

Re: Can anyone recommend an affordable TV stand wide enough for a 65" TV?

I built one from 2*4 pine studs. Then painted and covered with a tablecloth. Cost me a couple hours and less than $20
by kenoryan
Tue Sep 17, 2019 11:38 am
Forum: Personal Investments
Topic: Is private wealth management worth it?
Replies: 47
Views: 6205

Re: Is private wealth management worth it?

20m is just 10 times 2m. Your AA should determine the amount of money placed in each asset class. I don't see a need to hire a wealth manager that will add to expense and risk. Go with 60/40 asset allocation and live happily for ever.
by kenoryan
Fri Aug 30, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: What, besides dishes, do you run through your dishwasher?
Replies: 85
Views: 6630

Re: What, besides dishes, do you run through your dishwasher?

I sanitize my beer bottles prior to bottling day for home brew.
by kenoryan
Mon Aug 19, 2019 11:22 am
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 138
Views: 11370

Re: Aliens have captured my husband [wants to buy a Porsche]

I would worry that a late in life change of a frugal nature may be an early sign of cognitive decline. Perhaps helped along by having become accustomed to lavish travel. This can be a serious issue. Cognitive decline happens to the great majority of people who live long enough and 74 is hardly earl...
by kenoryan
Wed Aug 14, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: Family Practice going member only Pros & Cons?
Replies: 53
Views: 3639

Re: Family Practice going member only Pros & Cons?

IMHO this is more like how the financial side of medicine should work. We don’t carry car insurance to have our oil changed. Why should we buy a lot of extra health insurance for routine PCP visits? Would you buy this product from a car dealer? Would you prepay for a service plan that only makes fi...
by kenoryan
Fri May 31, 2019 11:16 pm
Forum: Personal Consumer Issues
Topic: Paying Kids For Good Grades -- do you do it?
Replies: 131
Views: 11610

Re: Paying Kids For Good Grades -- do you do it?

I paid my daughter $100 every quarter for all As. If at the end of the year she had all As, she got a $500 bonus. This started in 1st Grade. There was also a bonus for class rank. This made her very competitive and extremely hungry. She really wanted that $500 to buy clothes and shoes in the summer...
by kenoryan
Wed May 29, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Paying Kids For Good Grades -- do you do it?
Replies: 131
Views: 11610

Re: Paying Kids For Good Grades -- do you do it?

I paid my daughter $100 every quarter for all As. If at the end of the year she had all As, she got a $500 bonus. This started in 1st Grade. There was also a bonus for class rank. This made her very competitive and extremely hungry. She really wanted that $500 to buy clothes and shoes in the summer....
by kenoryan
Sat May 18, 2019 8:04 pm
Forum: Personal Consumer Issues
Topic: When to buy a vacation home
Replies: 26
Views: 2779

Re: When to buy a vacation home

I bought our vacation home on a lake when I was 38. My wife was 33 and our daughter was 10. 20 years later, we still own it. It is 5 hours by car, but close to a college town and we have season tickets for football. It’s on a lake. We go ice fishing in the winter. Two weeks of vacation in the summer...
by kenoryan
Fri May 17, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: Guidance on choosing between UMich and Brown
Replies: 102
Views: 6200

Re: Guidance on choosing between UMich and Brown

bengal22 wrote:
Fri May 17, 2019 12:38 pm
WhyNotUs wrote:
Thu May 16, 2019 10:33 pm
You have to search within yourself to see if you are open to humiliation at the hands of The Ohio State University every November.
Good point but at least at both Brown and UM one won't be distracted by following football.
https://apnews.com/8100ceaf06c44dc2a85bea4c5daff04f
by kenoryan
Thu May 16, 2019 10:42 pm
Forum: Personal Consumer Issues
Topic: Guidance on choosing between UMich and Brown
Replies: 102
Views: 6200

Re: Guidance on choosing between UMich and Brown

Can’t lose either way. When my daughter was applying, we encouraged her to go to Wisconsin (in state) over Michigan. I love Michigan but it’s just too expensive for out of state students. Speaking of OHio State, my cousin is a professor at OSU and we both studied at UM. When his son got admission to...
by kenoryan
Tue May 14, 2019 10:25 pm
Forum: Personal Consumer Issues
Topic: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?
Replies: 155
Views: 12064

Re: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?

We have a golden. She is 8 years old. My wife works an hour away. She leaves at 6 am and comes home at 6 pm. I have irregular hours. Some days it’s 8 hours and other days it could be 12-16 hours in surgery. We leave her at home and she does fine for 12 hours, most of the time sleeping on the couch. ...
by kenoryan
Tue May 14, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: Driving in Lisbon Portugal?
Replies: 25
Views: 1505

Re: Driving in Lisbon Portugal?

We were in Portugal last year. We flew into Lisbon from Chicago, took an Uber to our Airbnb right in downtown on the river. We spent 3 days in Lisbon and we ubered everywhere. It was dirt cheap. We took a tour bus to Sintra and Cascais. Then we rented a car from the airport and drove to Lagos for a ...
by kenoryan
Tue May 14, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: Instant Coffee?
Replies: 67
Views: 4507

Re: Instant Coffee?

All I drink is instant at home. Nescafé tasters choice. Decaf.
At work I drink Starbucks.
by kenoryan
Tue Apr 16, 2019 9:59 pm
Forum: Personal Consumer Issues
Topic: Migrating to better weather in retirement -- rent a timeshare or buy a vacation home?
Replies: 21
Views: 2204

Re: Migrating to better weather in retirement -- rent a timeshare or buy a vacation home?

I’m thinking of buying a place in The Villages a couple of years before I retire. We plan to spend 6 months and one day in Florida and the rest in the Midwest. I’m tired of the snow and cold. Tired of seeing old people fall and break their ankles just walking to the mailbox.
by kenoryan
Tue Apr 09, 2019 9:23 pm
Forum: Personal Investments
Topic: Resident Doctor... trying to maximize income
Replies: 27
Views: 2790

Re: Resident Doctor... trying to maximize income

As a resident it’s hard to save a lot of money. My daughter is a PGY2 and has no loans or car payments. But generally residency is in HCOL areas and most of your after tax income will go into renting an apartment and paying for food and insurance/cellphone/utilities. You should try to maximize your ...
by kenoryan
Sun Mar 31, 2019 8:13 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 303
Views: 36227

Re: "The best and worst U.S. states for retirement"

We take care of several ankle and hip fractures every week in the winter from old people just walking to their mailbox. Some just lay there and die because nobody is there to help them. I’m definitely not going to live in Wisconsin in the winter when I retire. I’m going to Florida to play golf in th...
by kenoryan
Sun Mar 17, 2019 9:58 pm
Forum: Personal Consumer Issues
Topic: Looking to buy snow bird house in Florida. How does it work with realtors?
Replies: 16
Views: 1842

Looking to buy snow bird house in Florida. How does it work with realtors?

Ok so my wife and I are thinking about looking for a condo or house in Florida where we can get away from Wisconsin winters. We probably won’t buy for a couple years yet. We will go down there a couple times a year and look around at areas that might be suitable for us. I am quite intrigued by the v...
by kenoryan
Sat Mar 16, 2019 1:48 am
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 70
Views: 6710

Re: lawn care cost

My house in rural Michigan costs me $60 for 0.5 acre

My house in urban Wisconsin costs me $45 for 0.75 acre

I guess your cost in Columbus is not bad.

#GoBlue
by kenoryan
Thu Mar 14, 2019 12:01 am
Forum: Personal Consumer Issues
Topic: Secondary sump pump needed?
Replies: 39
Views: 2074

Re: Secondary sump pump needed?

The submersible pumps stay cooled by the water, whereas the pedestal pumps get heated up and die much quicker when they run so frequently
by kenoryan
Wed Mar 13, 2019 11:12 pm
Forum: Personal Consumer Issues
Topic: Secondary sump pump needed?
Replies: 39
Views: 2074

Re: Secondary sump pump needed?

We have 2500 square feet of finished basement and two sump pumps, one at each end of the house. I have two 1/2 hp submersible pumps installed in each pit. I do not have a backup pump, but did install a whole house generac 17kw automatic generator that runs on natural gas. I’m in Wisconsin and we do ...
by kenoryan
Mon Feb 25, 2019 6:02 pm
Forum: Personal Consumer Issues
Topic: Toyota Sequoia questions
Replies: 89
Views: 5358

Re: Toyota Sequoia questions

I also do not like having to drop the skid plate to change the oil and the nearly 8 quarts of oil needed. I brought my Tundra in for an oil change...same engine, etc as the Sienna. The owner of the place said did you know that the #1 toughest oil change is the Tundra; he showed me a trade magazine ...
by kenoryan
Tue Feb 19, 2019 2:55 am
Forum: Personal Consumer Issues
Topic: Wife filled our gas engine car with diesel fuel
Replies: 111
Views: 12062

Re: Wife filled our gas engine car with diesel fuel

My daughter filled her rx350 with diesel once. And it died on I-94 in downtown Chicago. Got AAA to tow it to McGrath and they flushed out the tank and the engine. Towing was free, flushing was $500 plus the cost of a full tank of diesel......
by kenoryan
Wed Feb 06, 2019 5:50 am
Forum: Personal Consumer Issues
Topic: Warm, quiet beach for March?
Replies: 20
Views: 2066

Re: Warm, quiet beach for March?

I would suggest the island of Eleuthera. You can take a puddle jumper from Ft Lauderdale. The beaches are all pink sand and the beach house that we rented was on Winding Bay. We had 2 miles of beach to ourselves. The name of the house was a Stella Di Mare. But there’s plenty of other really nice hou...
by kenoryan
Wed Jan 30, 2019 8:58 am
Forum: Personal Investments
Topic: High Earners Mostly Use Taxable Accounts?
Replies: 167
Views: 14688

Re: High Earners Mostly Use Taxable Accounts?

I came from nothing. I consider myself to be fortunate to be where I am. My wife and I have been saving 100k pretax and at least 300k aftertax for the past 20 years.

Currently 8M:3M is our taxable:pretax ratio for total assets

Got here by hard work, good luck, good attitude.
by kenoryan
Tue Jan 29, 2019 11:12 pm
Forum: Personal Consumer Issues
Topic: No Heat! (Live in Michigan)
Replies: 47
Views: 4970

Re: No Heat! (Live in Michigan)

Stay home. Stay warm. Good luck. Get some space heaters from neighbors. Put one in each room.

BTW, if you didn’t get to watch TV, Michigan beat the buckeyes by 16.
by kenoryan
Mon Jan 21, 2019 7:48 pm
Forum: Personal Consumer Issues
Topic: Help me understand Google Drive
Replies: 17
Views: 1868

Re: Help me understand Google Drive

Is it the same as Dropbox?
by kenoryan
Tue Jan 08, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 14397

Re: Recommendations for a 9mm handgun

XDM is my favorite 9mm
by kenoryan
Thu Jan 03, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: Gift Ideas for wife
Replies: 76
Views: 5989

Re: Gift Ideas for wife

wrongfunds wrote:
Thu Jan 03, 2019 4:40 pm
Things NOT to get

1) Vacuum Cleaner
2) Membership fee to a fitness program
3) 6-month supply of Slim Fast Diet
4) Any clothes which are one size too small
5) Any clothes which are one size too big


Have I missed anything else?
Scales. Lol
by kenoryan
Thu Jan 03, 2019 5:19 pm
Forum: Personal Consumer Issues
Topic: Hughes internet
Replies: 16
Views: 1088

Re: Hughes internet

Yeah thanks. There are some line-of-sight services that are supposed to be pretty good here also. They are renting space on silos at local farms to provide services. Except the house that I’m looking at, is in the middle of giant oaks on 5 acres. They said I would need to put up my own tower or pole...
by kenoryan
Wed Jan 02, 2019 11:10 pm
Forum: Personal Investments
Topic: Delaying retirement just to help adult children
Replies: 66
Views: 6505

Re: Delaying retirement just to help adult children

After my buddy retired as president of a retail corporation with a pension of $400k a year, he took a consulting job for $300k a year just so he could give money to his 5 grandchildren for their college education. He worked for 5 years. There was no need since the parents of those kids are doing ver...
by kenoryan
Wed Jan 02, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: Hughes internet
Replies: 16
Views: 1088

Hughes internet

We are thinking of moving out of the city into a house in the country but there’s no cable for fast internet access. What’s the consensus on the satellite dish internet quality?
by kenoryan
Tue Jan 01, 2019 10:58 pm
Forum: Personal Consumer Issues
Topic: AED for the home? [Automated External Defibrillator]
Replies: 22
Views: 1206

Re: AED for the home?

My sister in-law works for Medtronic and they were selling small portable AEDs to their employees for under a $1000. I got one through her. I taught my wife how to use it in an emergency. That was 10 years ago. I finally gave it to the local high school gym. Ambulances can get to my house in under 2...
by kenoryan
Thu Dec 27, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Schwab Muni Money Market swoxx
Replies: 7
Views: 344

Re: Schwab Muni Money Market swoxx

It was a large amount and I panicked thinking that money market is at more risk than a muni mutual fund. I know the price of the mutual fund can drop with rising interest rates.
by kenoryan
Thu Dec 27, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Schwab Muni Money Market swoxx
Replies: 7
Views: 344

Re: Schwab Muni Money Market swoxx

Thanks a lot. I didn’t know where to look. This definitely helps. Appreciate your help. Both trades will execute tomorrow at market closing.
by kenoryan
Thu Dec 27, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: Schwab Muni Money Market swoxx
Replies: 7
Views: 344

Re: Schwab Muni Money Market swoxx

I just placed the order to liquidate but that will execute at close of market tomorrow. Hence the anxiety. Was just wondering if something is going on with the fund that they have deviated from the norm of distribution on the 15th.

But thanks for the information. 😀
by kenoryan
Thu Dec 27, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Schwab Muni Money Market swoxx
Replies: 7
Views: 344

Schwab Muni Money Market swoxx

I’m not sure if I’m panicking but I was looking at the history in my taxable account with Schwab and noticed that there was no dividend this month on the SWOXX. Normally it credits to my account in cash regularly on the 15th of every month. I called and spoke with one of their reps and he didn’t sou...
by kenoryan
Tue Dec 25, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: Home Brewing
Replies: 27
Views: 3351

Re: Home Brewing

I extract brewed for several years before switching to all grain. I bottled for many years before kegging. It’s not as cheap as people make it out to be. For a 5 gallon batch of IPA, for example, it costs $30 in grain alone. Then another $30 in yeast and hops. Add to that the cost of propane for the...
by kenoryan
Thu Dec 20, 2018 2:15 am
Forum: Personal Consumer Issues
Topic: Gift Ideas for wife
Replies: 76
Views: 5989

Re: Gift Ideas for wife

I remember when I was a kid, for Mother's Day my mom received a nice tool set from my dad (because she told him once that she needed a screwdriver). You should have seen the beautiful China he got for Father's Day. Maybe my wife will be getting a Mig welder... I wonder what I will be getting :happy...
by kenoryan
Tue Dec 18, 2018 11:21 pm
Forum: Personal Consumer Issues
Topic: Omega watch expenses
Replies: 38
Views: 3128

Re: Omega watch expenses

My wife bought me a Constellation perpetual calendar 20 years ago on our 10th wedding anniversary. I’ve worn this watch every day. Every 2-3 years the second hand starts to jump, indicating low battery. So I send it in to a Swiss watch repair center in Illinois and they replace the battery and do s...
by kenoryan
Tue Dec 18, 2018 11:04 pm
Forum: Personal Consumer Issues
Topic: Omega watch expenses
Replies: 38
Views: 3128

Re: Omega watch expenses

I have Omega Seamaster. 15 yrs or more. I can’t remember. I use every day. I replaced battery at the Jewlery store couple of times at the mall but last time I stopped by at Omega boutique place at the local mall. Every couple of months they have Omega certified tech to inspect, clean, change batter...
by kenoryan
Tue Dec 18, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: Gift Ideas for wife
Replies: 76
Views: 5989

Re: Gift Ideas for wife

These are my favorite items related to cooking: 1) AeroGarden: Surprisingly, it works great! Love it! 2) Meat thermometer purchased recently from Costco: You insert the probe into the meat and close the oven door on the cable. The attached display sits on the nearby kitchen counter or top of the ov...
by kenoryan
Tue Dec 18, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Omega watch expenses
Replies: 38
Views: 3128

Omega watch expenses

My wife bought me a Constellation perpetual calendar 20 years ago on our 10th wedding anniversary. I’ve worn this watch every day. Every 2-3 years the second hand starts to jump, indicating low battery. So I send it in to a Swiss watch repair center in Illinois and they replace the battery and do so...
by kenoryan
Fri Dec 07, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Root Canal - dentist or endodontist
Replies: 47
Views: 3912

Re: Root Canal - dentist or endodontist

Ha! I just had one yesterday. . .so, here are my thoughts. Endodontist without question. This is all they do. The guy I went to does 6-8 a day and his partner does 8-10 (he has been doing it a lot longer). I haven't heard of a dentist charging per root? I had the consultation $120 and they gave me ...
by kenoryan
Wed Dec 05, 2018 12:34 am
Forum: Personal Consumer Issues
Topic: Regarding iPhone. Is there an app for day vs night?
Replies: 13
Views: 1396

Re: Regarding iPhone. Is there an app for day vs night?

I realize that you are asking about iphone apps for changing the wallpaper. For what it's worth, I had a similar problem with my mother. I bought a desk clock that displays time of day, day of the week, portion of the day (morning, afternoon, evening, night), etc. It was a big help for her. The clo...
by kenoryan
Wed Dec 05, 2018 12:32 am
Forum: Personal Consumer Issues
Topic: Regarding iPhone. Is there an app for day vs night?
Replies: 13
Views: 1396

Re: Regarding iPhone. Is there an app for day vs night?

She can’t do 24 hour clock. Just doesn’t understand it. She is/was very smart. She has a BS in Economics and Math. But at 86, her mental capacity is suddenly very limited. I know about Sundowning. Just looking for an app for the iPhone. We are doing the lights and shades etc but at 4 pm, it’s dark w...
by kenoryan
Tue Dec 04, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: Regarding iPhone. Is there an app for day vs night?
Replies: 13
Views: 1396

Regarding iPhone. Is there an app for day vs night?

My elderly mom is slowly getting dementia. Recently after the time change, she has started to get disoriented and at 4 am/pm she can’t tell if it’s day or night. It’s causing her some problems. She’s pretty good with her iPhone. I’m wondering if there is an app that will change the wallpaper to refl...
by kenoryan
Wed Nov 28, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: Tipping lawn service and trash pickup
Replies: 48
Views: 4423

Re: Tipping lawn service and trash pickup

I leave a card on my trash can with a grocery store gift card for $50. Same for the mailman. Nothing for the lawn/snow guy as he owns his business and I never see him. Usually his Mexican boys doing the work. I give the pool guy a six pack of home brew IPA in the summer.
by kenoryan
Mon Nov 26, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: "consultation fee": standard for preventative colonoscopy?
Replies: 81
Views: 6135

Re: "consultation fee": standard for preventative colonoscopy?

It’s all fine when everything goes well. We have a fairly busy GI lab. Many patients are scheduled for the procedure by the family docs. The GI as the anesthesiologist are seeing the patient for the first time in many cases. Is that what you really want? Is $150 that big a deal? It’s not uncommon to...