Search found 51 matches

by kevinf
Wed Nov 13, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Snow tires
Replies: 26
Views: 1512

Re: Snow tires

You can get a full set of snows on rims for under $500. Kinda wish insurance offered discounts so more people would consider the investment.
by kevinf
Tue Nov 12, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: Blankets/Bedding for Cold Winter Nights
Replies: 43
Views: 2390

Re: Blankets/Bedding for Cold Winter Nights

A rayon (marketed as bamboo sheet) base sheet for comfort (rayon drapes like silk and is soft like cashmere), on top of that is a cotton flannel sheet for warmth, and above that a polyester-filled quilt for weight and warmth. Very cozy.
by kevinf
Tue Nov 12, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: Snow tires
Replies: 26
Views: 1512

Re: Snow tires

Studded tires also excel on hard-packed snowy roads and muddy roads . Mud traction is entirely dependent on the tread depth and design, favoring a scooping action. Studs should be little to no benefit in mud. The benefit of studless is that they can be run for longer periods comfortably and legally...
by kevinf
Mon Nov 11, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: Snow tires
Replies: 26
Views: 1512

Re: Snow tires

Studs aren't doing much for you except on pure sheet ice. Modern rubber formulations generally perform just fine without them.
by kevinf
Mon Nov 11, 2019 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Do you charge your employer for the time that you spend working on your off days?
Replies: 145
Views: 7436

Re: Do you charge your employer for the time that you spend working on your off days?

It's funny how many companies want 99th percentile motivation at 50th percentile compensation.
by kevinf
Thu Nov 07, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: Amazon delivery
Replies: 32
Views: 3564

Re: Amazon delivery

I've been receiving my shipments within 1 - 2 days via my Prime membership. Using the slow shipping credit when I'm in no hurry also gets me a free book or video series from time to time. Another interesting service they are offering to members is zero interest installment payments on larger purchas...
by kevinf
Thu Oct 31, 2019 8:15 pm
Forum: Personal Investments
Topic: Am I nuts or is VPAIX a really good bond fund? (PA Muni)
Replies: 5
Views: 677

Re: Am I nuts or is VPAIX a really good bond fund? (PA Muni)

Your tax bracket is pretty low for considering muni bonds, typically the breakeven bracket is 24% and munis are a no-brainer at 30%+. Normally, I recommend folks at the 22% bracket to buy Total Bond (VBTLX). It seems there is a blip in the Pennsylvania muni bond market that makes them especially a ...
by kevinf
Thu Oct 31, 2019 4:17 pm
Forum: Personal Investments
Topic: Am I nuts or is VPAIX a really good bond fund? (PA Muni)
Replies: 5
Views: 677

Re: Am I nuts or is VPAIX a really good bond fund? (PA Muni)

Nope, I'm hoping for a yield within a percentage of 3% all said and done. The higher the better, and it seems like the VPAIX provides low volatility with notably better yields than money markets. The taxable brokerage is literally overflow from my high yield credit union account, so it shouldn't be ...
by kevinf
Thu Oct 31, 2019 4:03 pm
Forum: Personal Investments
Topic: Am I nuts or is VPAIX a really good bond fund? (PA Muni)
Replies: 5
Views: 677

Am I nuts or is VPAIX a really good bond fund? (PA Muni)

35 year old Pennsylvania resident, $44,000/yr W-2 income. Home is paid in full. 100% equities in Roth IRA. 100% VPAIX Bond fund in taxable. 3 months of living expenses in a 3% high-yield credit union account... (overall ratio is 82.5% equities; 7.2% Bonds; 10.3% cash; not counting home equity). My c...
by kevinf
Sat Oct 26, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Online or software piano lessons
Replies: 18
Views: 1291

Re: Online or software piano lessons

I'd recommend a tutor to get you started on the fundamentals, then self-study. I stopped playing due to RSI exacerbation but a live instructor was super helpful to correct the basics of technique... it's far too easy to create and reinforce bad habits that will hold you back when you are trying to g...
by kevinf
Sat Oct 26, 2019 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: How much does a "good school district" matter?
Replies: 76
Views: 6589

Re: How much does a "good school district" matter?

RickBoglehead wrote:
Sat Oct 26, 2019 4:54 pm
...Moved to another state in 2097...
Image
by kevinf
Fri Oct 25, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: Anybody use a battery-powered snowblower?
Replies: 33
Views: 1767

Re: Anybody use a battery-powered snowblower?

Regarding snowblower power... electric motors generate max torque at 0 RPM. The $90,000 Tesla beat $1.2 million supercars off the line as a side-effect of being electric. Regarding loss of power... going out to get more gas during heavy continual day-in-day-out snowfall would likely be more troubles...
by kevinf
Thu Oct 24, 2019 11:16 pm
Forum: Personal Consumer Issues
Topic: Anybody use a battery-powered snowblower?
Replies: 33
Views: 1767

Re: Anybody use a battery-powered snowblower?

Thanks guys for your responses, they're very helpful. I'm impressed with the EGO product that a couple of you recommended. The price is more than I had in mind ($649 at Home Depot) but it looks like it may be worth it. I'm inclined to buy it, but I'll think about it for a day or two. I just don't w...
by kevinf
Thu Oct 24, 2019 7:32 pm
Forum: Personal Consumer Issues
Topic: Anybody use a battery-powered snowblower?
Replies: 33
Views: 1767

Re: Anybody use a battery-powered snowblower?

EGO makes extremely powerful battery operated tools, I'd recommend them. I believe their snowblower can take dual 7.5 amp-hr batteries. For reference; I can mow, trim, and leaf-blow my entire 3301 sq-ft property with a single 5 amp-hr battery.

https://egopowerplus.com/snow-blower/
by kevinf
Wed Oct 23, 2019 8:36 pm
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 118
Views: 6294

Re: car battery change or not? 2 year old battery

I had the original battery in my new vehicle bought in 2004 until early spring this year. It would have a little hesitation starting after an extremely cold night (well under freezing temps) this past winter so I just replaced it while I was thinking about it. I have a 760-CCA Odyssey AGM battery in...
by kevinf
Tue Oct 22, 2019 2:15 pm
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 118
Views: 6294

Re: car battery change or not? 2 year old battery

Keep a few spares fuses as well if you use a compressor, I blew out a fuse using mine when I had a flat.
by kevinf
Tue Oct 22, 2019 12:24 am
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 118
Views: 6294

Re: car battery change or not? 2 year old battery

Don't skimp on your batteries, tires, or wiper blades.
by kevinf
Mon Oct 21, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: Lamps with mildew - toss or clean?
Replies: 5
Views: 651

Re: Lamps with mildew - toss or clean?

Very unlikely this is mildew. Get a rubber cleaner and restorer and wipe it down.
by kevinf
Sun Oct 20, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: GPS to stop working on older phones Nov 3?
Replies: 25
Views: 3596

Re: GPS to stop working on older phones Nov 3?

GPS isn't the only satellite navigation system up there. So most phones aren't completely dependent on GPS for precision and navigation and may not be affected very much. I'm not sure about this. The problem isn't that GPS is no longer being received. The problem is that the calculations the phone ...
by kevinf
Sun Oct 20, 2019 3:14 pm
Forum: Personal Consumer Issues
Topic: GPS to stop working on older phones Nov 3?
Replies: 25
Views: 3596

Re: GPS to stop working on older phones Nov 3?

GPS isn't the only satellite navigation system up there. Russia has GLONASS, Europe has Galileo, China has Beidong. Most older phones can use both GPS and GLONASS for navigation. Most newer phones will be able to use GPS, GLONASS, and Galileo. Very new International phones might be able to use all ...
by kevinf
Sun Oct 20, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 118
Views: 6294

Re: car battery change or not? 2 year old battery

There are outlet dongles that have on/off switches that can be used. It's also reasonably easy to wire a relay in-line or use a fuse-tap on a switched fuse and add an outlet. Or just unplug it when you get out of the car :P
by kevinf
Sun Oct 20, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 118
Views: 6294

Re: car battery change or not? 2 year old battery

A $20 lithium battery pack jump starter from Amazon will jump your car in under 2 minutes start to finish. Leave it plugged into a 12v outlet that shuts off when the key is out to keep it charged.
by kevinf
Sun Oct 20, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: GPS to stop working on older phones Nov 3?
Replies: 25
Views: 3596

Re: GPS to stop working on older phones Nov 3?

GPS isn't the only satellite navigation system up there. Russia has GLONASS, Europe has Galileo, China has Beidong. Most older phones can use both GPS and GLONASS for navigation. Most newer phones will be able to use GPS, GLONASS, and Galileo. Very new International phones might be able to use all f...
by kevinf
Sat Oct 19, 2019 10:58 pm
Forum: Personal Consumer Issues
Topic: GPS to stop working on older phones Nov 3?
Replies: 25
Views: 3596

Re: GPS to stop working on older phones Nov 3?

Be aware that most phones that aren't ancient have the ability to use GLONASS as well as GPS to maintain accuracy. Newer phones may be able to use GLONASS, Galileo, and GPS.

For example, my old Galaxy S2 (released 2011) can use GPS and GLONASS.
by kevinf
Tue Oct 15, 2019 9:47 am
Forum: Personal Investments
Topic: Finally moving from high yield savings to Vanguard
Replies: 32
Views: 3150

Re: Finally moving from high yield savings to Vanguard

Hello! I'm a similar age and financial situation to you, here's what I've done. ROTH is 100% VTSAX (Total Stock Market Index) maxed out on the first contribution day of the year ($6,000). Maximum Growth. High Yield credit union account is 4 months of living expenses. FDIC insured. Taxable brokerage...
by kevinf
Tue Oct 15, 2019 12:36 am
Forum: Personal Consumer Issues
Topic: Seiko Watch
Replies: 37
Views: 3660

Re: Seiko Watch

Looks like I've been published... The Gear Hungry website paraphrased some highlights of my Citizen Ti Perpetual Atomic amazon review for their Best Watches of 2019 series 8-) My perfect watch might be: Titanium case • Day/Date Perpetual Calendar • Sapphire Window • Seiko movement • Citizen Solar Dr...
by kevinf
Mon Oct 14, 2019 8:39 pm
Forum: Personal Consumer Issues
Topic: Seiko Watch
Replies: 37
Views: 3660

Re: Seiko Watch

I have thought about getting one of the sub-$100 automatic mechanical Seikos. I had one and grew to resent it due to the anemic power reserve (it was a winding spring mechanism). So if I wanted to leave the watch behind for a weekend I'd be forced to "charge" it and then re-set it. So I'd end up we...
by kevinf
Mon Oct 14, 2019 8:33 pm
Forum: Personal Investments
Topic: Finally moving from high yield savings to Vanguard
Replies: 32
Views: 3150

Re: Finally moving from high yield savings to Vanguard

Hello! I'm a similar age and financial situation to you, here's what I've done. ROTH is 100% VTSAX (Total Stock Market Index) maxed out on the first contribution day of the year ($6,000). Maximum Growth. High Yield credit union account is 4 months of living expenses. FDIC insured. Taxable brokerage...
by kevinf
Mon Oct 14, 2019 8:18 pm
Forum: Personal Consumer Issues
Topic: Seiko Watch
Replies: 37
Views: 3660

Re: Seiko Watch

I have thought about getting one of the sub-$100 automatic mechanical Seikos. I had one and grew to resent it due to the anemic power reserve (it was a winding spring mechanism). So if I wanted to leave the watch behind for a weekend I'd be forced to "charge" it and then re-set it. So I'd end up we...
by kevinf
Sun Oct 13, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: Seiko Watch
Replies: 37
Views: 3660

Re: Seiko Watch

The low-end kinetic watches only have 24 hour reserve power, the higher end ones can run for a few days. I didn't think that there were any solar watches with such a low battery reserve, but it's possible. My Citizen eco-drive solar will run for 10 months on nothing but the battery if it's fully cha...
by kevinf
Sun Oct 13, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Seiko Watch
Replies: 37
Views: 3660

Re: Seiko Watch

The low-end kinetic watches only have 24 hour reserve power, the higher end ones can run for a few days. I didn't think that there were any solar watches with such a low battery reserve, but it's possible. My Citizen eco-drive solar will run for 10 months on nothing but the battery if it's fully cha...
by kevinf
Sun Oct 13, 2019 1:45 pm
Forum: Personal Consumer Issues
Topic: Moto G7 Review after 2 days
Replies: 12
Views: 1955

Re: Moto G7 Review after 2 days

I also just bought an unlocked Moto G7 Power ($219), I feel that it is the best mid-range smartphone currently on the market. The 5,000 mAh battery runs forever, even with extreme heavy usage you aren't running it down in a single day. The lack of an OLED screen is actually a benefit for me as I was...
by kevinf
Sun Oct 13, 2019 1:12 am
Forum: Personal Consumer Issues
Topic: Seiko Watch
Replies: 37
Views: 3660

Re: Seiko Watch

...u must spend thousands to get a watch that has an annual calendar) A watch is jewelry. Otherwise we'd all either not wear one at all or settle for the $10 Casio that does the job perfectly. You can get a Seiko perpetual calendar watch for under $100. Also, many professions still use watches as r...
by kevinf
Sat Oct 12, 2019 7:07 pm
Forum: Personal Consumer Issues
Topic: Seiko Watch
Replies: 37
Views: 3660

Re: Seiko Watch

I'm a little confused by the suggestion to avoid quartz in favor of automatic movement. Mechanical (automatic) drives have a fairly substantial time-keeping drift (which is fine if your watch is used as jewelry and not as a time-piece ). The electronic drives have almost no drift worth mentioning, w...
by kevinf
Sat Oct 12, 2019 1:52 am
Forum: Personal Consumer Issues
Topic: Seiko Watch
Replies: 37
Views: 3660

Re: Seiko Watch

...My nicer watch is an all titanium Citizen EcoDrive -- had it well about 12 years and has never needed any work. At some point the chargeable "battery" (maybe actually more a capacitor) can need replacing, but mine has been going strong... I have a Citizen Ti Eco-drive , let me add what I researc...
by kevinf
Sun Oct 06, 2019 4:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Advertising Mutual Fund to ETF Conversion
Replies: 138
Views: 11642

Re: Vanguard Advertising Mutual Fund to ETF Conversion

I was getting sick of the enormous banner on my account overview page advertising the switch. They kept it there for ages and didn't allow you to dismiss it permanently. Extremely annoying as it was positioned above the account balances which forced me to either scroll down or dismiss the banner to ...
by kevinf
Sun Oct 06, 2019 4:19 pm
Forum: Personal Investments
Topic: Understanding bond fund performance vs. high-yield savings
Replies: 10
Views: 1061

Re: Understanding bond fund performance vs. high-yield savings

BND's performance for the past three months is 2.34% minus your tax load, and bond funds had an unusually high return earlier this year. If you are going use any information for investing purposes I'd look at the "since inception" and "latest 3 months" returns together and make a decision based on t...
by kevinf
Fri Oct 04, 2019 7:57 pm
Forum: Personal Consumer Issues
Topic: Fidelity 2FA with google voice not working
Replies: 15
Views: 1458

Re: Fidelity 2FA with google voice not working

Some services will not allow 2FA to VoIP numbers, you may want to check their website or call about that.

2FA to txt is a less secure means of 2FA. Something like a YubiKey encryption token would be more secure.
by kevinf
Sun Sep 29, 2019 11:11 pm
Forum: Personal Consumer Issues
Topic: All in one single serve and pot of coffee maker
Replies: 21
Views: 1631

Re: All in one single serve and pot of coffee maker

I cold-brew using a 2-quart Mason jar with a stainless steel mesh filter as well. The thing is, you don't have to use "cold" water to cold-brew... that just makes it take longer. You can use hot water, just not so hot that the grind cooks and acidifies like a standard brew would. I just fill the jar...
by kevinf
Fri Sep 27, 2019 8:47 am
Forum: Personal Investments
Topic: Where to safely park/invest shorter term cash to maximize returns - a *little* risk is OK
Replies: 27
Views: 3262

Re: Where to safely park/invest shorter term cash to maximize returns - a *little* risk is OK

Thanks everyone. Betterment currently offers 2.15% on their high yield savings account - and this is down about a quarter of a point after the Fed's last rate cut. This is where I have my money parked right now. Was just hoping to do a little better if possible (i.e. 4-5%) even if it meant taking o...
by kevinf
Thu Sep 12, 2019 12:41 am
Forum: Personal Consumer Issues
Topic: Michelin Energy Saver A/S tire for 2015 Prius 3
Replies: 31
Views: 1704

Re: Michelin Energy Saver A/S tire for 2015 Prius 3

So I normally go for compromise. Recent years that has been Conti True Contacts, which are going out of production, so not sure next new idea. But I I put the Continental TrueContacts on my vehicle as well and I will highly recommend them. Snow/Wet performance is excellent, and general traction is ...
by kevinf
Sun Sep 08, 2019 2:40 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 1469
Views: 102594

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

So Vanguard has this on their site: On January 22, 2019, Vanguard Brokerage stopped accepting purchases in leveraged and inverse mutual funds, ETFs (exchange-traded funds), and ETNs (exchange-traded notes). These products, which are speculative in nature, run counter to our investors' focus on the l...
by kevinf
Thu Sep 05, 2019 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Career change at 36- Finance to Nursing/PA?
Replies: 40
Views: 3806

Re: Career change at 36- Finance to Nursing/PA?

...Recently I have been considering changing my career at age 36 and going from finance (risk and compliance) to Healthcare (mainly nursing or physician assistant)...I don't feel challenged enough and want something different...Currently I make ~100K a year and work from home half of the time. ...S...
by kevinf
Thu Sep 05, 2019 10:54 pm
Forum: Personal Investments
Topic: Vehicle savings with a Vanguard fund
Replies: 14
Views: 1490

Re: Vehicle savings with a Vanguard fund

Let's see someone recommend a Tesla in this car thread. Actually, a Tesla is definitely one of my dream cars! Recommend away! However, I really do have a use-case for a pickup and Tesla's planned pickup model pricing is not going to be within my budget... so I'll have to stick with the Ridgeline fo...
by kevinf
Thu Sep 05, 2019 10:48 pm
Forum: Personal Investments
Topic: Vehicle savings with a Vanguard fund
Replies: 14
Views: 1490

Re: Vehicle savings with a Vanguard fund

Wow, that's about 2x expensive of a car than is typical recommended (all cars < 1/2 household income). I would use their money market fund and pay cash with whatever you can save. $30K is about half of household income (and is the very top-end of my vehicle budget, the best-case scenario would be a...
by kevinf
Thu Sep 05, 2019 7:28 am
Forum: Personal Investments
Topic: Vehicle savings with a Vanguard fund
Replies: 14
Views: 1490

Re: Advice for vehicle replacement savings fund

Do you need this vehicle to do your job? At your income level I would be looking for a MUCH cheaper car. You are unlikely to find a pickup with modern safety features in good condition for much less as they tend to retain value well. Buying a moderately priced used vehicle that you intend to keep f...
by kevinf
Thu Sep 05, 2019 2:40 am
Forum: Personal Investments
Topic: Short-mid term savings at Vanguard equivalent to a high yield savings account?
Replies: 1
Views: 364

Short-mid term savings at Vanguard equivalent to a high yield savings account?

I have 3 months of liquid emergency funds saved in a 3% high-yield savings account, that account is at the maximum balance to receive the high yield rate which is why I intend to use a Vanguard brokerage account for any further savings. I have just transferred $3,000 into a taxable Vanguard brokerag...
by kevinf
Thu Sep 05, 2019 2:08 am
Forum: Personal Investments
Topic: Vehicle savings with a Vanguard fund
Replies: 14
Views: 1490

Re: Advice for vehicle replacement savings fund

I intend to buy an already value depreciated vehicle and keep it for 10+ years, and I am specifically looking for a mid-sized pickup at a higher trim level with current safety features to replaced my current model year 2004 vehicle. I believe a mid-sized pickup will be best suited to my future needs...
by kevinf
Thu Sep 05, 2019 1:11 am
Forum: Personal Investments
Topic: Vehicle savings with a Vanguard fund
Replies: 14
Views: 1490

Vehicle savings with a Vanguard fund

I will be looking to purchase a new-to-me vehicle in the next 2 to 3 years. Expected vehicle price will be about $22K to $30K. Current vehicle is worth about $2,500 on a private sale. I have allocated $3000 as of today into a taxable Vanguard brokerage account in the federal money market settlement ...