Search found 5162 matches

by Kenkat
Fri Oct 18, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: selling house, should we put in sod to replace ugly lawn?
Replies: 25
Views: 1508

Re: selling house, should we put in sod to replace ugly lawn?

The options are to renovate the existing lawn, put down sod or do nothing. 1800 sq. feet is postage stamp sized, so I would trust the realtor if they say replace it. She will likely get her money back when she sells. If the lawn is the first impression, buyers may walk in thinking “I wonder what els...
by Kenkat
Fri Oct 18, 2019 10:34 am
Forum: Personal Investments
Topic: social security 'extra security' feature?
Replies: 24
Views: 1778

Re: social security 'extra security' feature?

They send you a letter to your house with a code that you enter. It proves that not only can you answer all of the questions asked during regular registration, it proves you also live at the address Social Security has on file for you. Thanks, was aware of the USPS code, though, "that" is the featu...
by Kenkat
Fri Oct 18, 2019 9:28 am
Forum: Personal Investments
Topic: To retire or not to retire,,,,
Replies: 19
Views: 3083

Re: To retire or not to retire,,,,

I am going to assume you have a total of $315k saved. As mentioned above you could probably draw around $1000 a month from that. I probably wouldn’t do that however. You are going to have to do some homework and answer some questions. Does your spouse make enough to cover your current expenses? If y...
by Kenkat
Fri Oct 18, 2019 9:16 am
Forum: Personal Investments
Topic: social security 'extra security' feature?
Replies: 24
Views: 1778

Re: social security 'extra security' feature?

They send you a letter to your house with a code that you enter. It proves that not only can you answer all of the questions asked during regular registration, it proves you also live at the address Social Security has on file for you. I went ahead and signed up for it successfully but my wife could...
by Kenkat
Thu Oct 17, 2019 6:44 pm
Forum: Investing - Theory, News & General
Topic: Bank of America declares 'the end of the 60-40' standard portfolio
Replies: 59
Views: 9262

Re: Bank of America declares 'the end of the 60-40' standard portfolio

Queue bear market for stocks and bond rally. On three, two, one...
by Kenkat
Thu Oct 17, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: If we visit Shenandoah and Blue Ridge Parkway, do we "need" to see Great Smoky Mtns. NP, too?
Replies: 52
Views: 4776

Re: If we visit Shenandoah and Blue Ridge Parkway, do we "need" to see Great Smoky Mtns. NP, too?

I've driven the Blue Ridge and through the Great Smoky Mtns Park quite a few times. There is a wonderful old mill, fully restored just outside the NC Welcome Station a few hundred yards into the Park. On the other side the ride to Cades Cove from the Tennessee side is breath taking. One of the hund...
by Kenkat
Wed Oct 16, 2019 8:11 pm
Forum: Personal Consumer Issues
Topic: Nissan Sentra Car Maintenance
Replies: 8
Views: 423

Re: Nissan Sentra Car Maintenance

That is the scheduled maintenance interval. On the shorter side, but on a Honda and a Chevrolet with maintenance / service reminders built in, the interval ends up being around 7,000 - 7,500 miles.

If the manual says 5k and you do it every 10k and have future engine issues, that’s gonna be a problem.
by Kenkat
Wed Oct 16, 2019 6:54 pm
Forum: Personal Investments
Topic: Index Outperforms Actively Managed?? BASIC Q
Replies: 9
Views: 863

Re: Index Outperforms Actively Managed?? BASIC Q

Target Retirement funds are made out of index funds. They are making our investments out of index funds! (with apologies to Charlton Heston)
by Kenkat
Wed Oct 16, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: How do I store a boat this winter?
Replies: 20
Views: 1262

Re: How do I store a boat this winter?

If it is going to explode in a fiery ball right after purchase, you probably don’t need to worry about winter storage :D
by Kenkat
Wed Oct 16, 2019 5:53 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 119
Views: 5663

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

I think the Apple stuff seems to really last. I had an iPad 2 I got 6 and a half years out of, have an iPad Pro first generation still going strong, have 2 iPods - and sold a Gen 3 Nano on eBay recently that still worked great that I bought in 2007. The stuff just keeps working. When I bought smartp...
by Kenkat
Wed Oct 16, 2019 3:59 pm
Forum: Personal Consumer Issues
Topic: If we visit Shenandoah and Blue Ridge Parkway, do we "need" to see Great Smoky Mtns. NP, too?
Replies: 52
Views: 4776

Re: If we visit Shenandoah and Blue Ridge Parkway, do we "need" to see Great Smoky Mtns. NP, too?

I've driven the Blue Ridge and through the Great Smoky Mtns Park quite a few times. There is a wonderful old mill, fully restored just outside the NC Welcome Station a few hundred yards into the Park. On the other side the ride to Cades Cove from the Tennessee side is breath taking. One of the hund...
by Kenkat
Wed Oct 16, 2019 12:05 pm
Forum: Personal Investments
Topic: How can I beat Vanguard Prime Money Market Fund in retirement account?
Replies: 22
Views: 3324

Re: How can I beat Vanguard Prime Money Market Fund in retirement account?

Without taking more risk or extending duration, you probably can’t. In addition to treasury backed securities, Prime MM will also buy commercial paper, CDs, etc., so you will get a diversification benefit which also reduces single security risk.
by Kenkat
Wed Oct 16, 2019 11:57 am
Forum: Personal Consumer Issues
Topic: HVAC fan ON or auto?
Replies: 27
Views: 1942

Re: HVAC fan ON or auto?

There will be a big difference in power consumption between a newer, variable speed DC blower motor (low) and an older single speed AC blower motor (higher). I run our newer variable speed HVAC with the fan in the ON position during some seasons - mainly cool but sunny days in the Spring and Fall. I...
by Kenkat
Wed Oct 16, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: coin collection - sell or keep?
Replies: 17
Views: 2193

Re: coin collection - sell or keep?

Is this your collection? Did you build it with a purpose in mind and do you have an idea of the value of each coin? Or is just a collection of coins you’ve acquired over the years? Older coins will have value as collectibles or for their silver content. Half dimes (there is - or was - such a thing),...
by Kenkat
Wed Oct 16, 2019 8:20 am
Forum: Personal Consumer Issues
Topic: Open Windows and Shower- Smoke Detector
Replies: 9
Views: 860

Re: Open Windows and Shower- Smoke Detector

RickBoglehead wrote:
Tue Oct 15, 2019 7:25 pm
Buy a photoelectric detector, not an ionization detector, if you don't want shower false alarms.

Close bathroom window and door, turn on fan.
+1

The ionization sensor is likely seeing the shower fog and moisture as smoke.
by Kenkat
Tue Oct 15, 2019 5:52 pm
Forum: Personal Consumer Issues
Topic: Invited to join HOA board. Pros/cons?
Replies: 58
Views: 4205

Re: Invited to join HOA board. Pros/cons?

3) Even in a mid-range subdivision there may be more people than you realize that go through bankruptcy and foreclosure and having the lien on the property will help the HOA still collect the dues. If people are having financial problems and having problems paying their dues it is fine to work with...
by Kenkat
Mon Oct 14, 2019 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Providing for a adult child with serious illness
Replies: 11
Views: 1568

Re: Providing for a adult child with serious illness

If he is able to work for several years and build sufficient credits against social security, he can potentially go on social security disability, in which case he will be qualified for Medicare as well as a monthly disability payment. Depending on the particulars, he may also qualify for SSI and Me...
by Kenkat
Sat Oct 12, 2019 12:21 pm
Forum: Personal Consumer Issues
Topic: $575 to replace rear brake pads and rotors on a 2017 Subaru Forester?
Replies: 64
Views: 4167

Re: $575 to replace rear brake pads and rotors on a 2017 Subaru Forester?

for anyone capable of turning a wrench

When “capable” is extended “willing to”, this rules out far more people than you might expect.
by Kenkat
Sat Oct 12, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Error OL-221-A
Replies: 13
Views: 1029

Re: Quicken Error OL-221-A

I have not experienced this with Vanguard but have had the same error with Fidelity and have just waited several days and it gets fixed. I did just run an update from Vanguard last night without problems; I am on the Quicken subscription.
by Kenkat
Sat Oct 12, 2019 10:32 am
Forum: Personal Investments
Topic: Total Bond or Intermediate-Term Tax-Exempt in taxable?
Replies: 16
Views: 1617

Re: Total Bond or Intermediate-Term Tax-Exempt in taxable?

The SEC yield for Total Bond is 2.24%. For IT TE, the SEC yield is 1.52%. Those are the best estimates for your total return going forward. If a fund's distribution yield is higher than its SEC yield, it means the fund owns a lot of bonds that have a market price higher than their par value. As tho...
by Kenkat
Sat Oct 12, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Washer/Dryer shopping: Best Buy cheaper than Costco
Replies: 20
Views: 1436

Re: Washer/Dryer shopping: Best Buy cheaper than Costco

In the past, Best Buy will match anything bought after Nov. 1 if it goes down in price before the end of December. They exclude Black Friday doorbusters but it includes Black Friday weekend items, for example. They did price adjustments twice for me totaling $300 on a TV a I bought in early November...
by Kenkat
Sat Oct 12, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: If we visit Shenandoah and Blue Ridge Parkway, do we "need" to see Great Smoky Mtns. NP, too?
Replies: 52
Views: 4776

Re: If we visit Shenandoah and Blue Ridge Parkway, do we "need" to see Great Smoky Mtns. NP, too?

Need to? I would say probably not as the terrain and ecosystem is similar enough between the two parks and there is not an absolutely, must see over everything else attraction along the route. That said, there are plenty of fabulous things to see in Great Smoky NP. We have a hard copy Blue Ridge Par...
by Kenkat
Sat Oct 12, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: Replace water heater just because it's old?
Replies: 73
Views: 5553

Re: Replace water heater just because it's old?

I have been thinking about this lately as my gas water heater is 21 years old. I am holding off for now but I did buy water alarm sensors recently (based on another post of this great forum) and placed one next to the hot water heater and one next to the sump pump - both in unfinished areas.
by Kenkat
Thu Oct 10, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: $575 to replace rear brake pads and rotors on a 2017 Subaru Forester?
Replies: 64
Views: 4167

Re: $575 to replace rear brake pads and rotors on a 2017 Subaru Forester?

A little on the high side but probably the going rate if you took it to the dealer. i am a little surprised it needed rotors after only two years.
by Kenkat
Wed Oct 09, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: Hotel mini bar - rude to use for own stuff
Replies: 42
Views: 5974

Re: Hotel mini bar - rude to use for own stuff

At the hotels I stay at, the only minibar is the one next to the ice machine down at the end of the hall.
by Kenkat
Tue Oct 08, 2019 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Does title insurance cover unpaid HOA type fees?
Replies: 14
Views: 1336

Re: Does title insurance cover unpaid HOA type fees?

atikovi wrote:
Tue Oct 08, 2019 5:59 pm
There is something about a common access easement between two lots that the owners are supposed to share the costs equally.
Given this information, I would be very careful.
by Kenkat
Tue Oct 08, 2019 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Does title insurance cover unpaid HOA type fees?
Replies: 14
Views: 1336

Re: Does title insurance cover unpaid HOA type fees?

What did the reply say? You really need to also get a copy of the HOA charter / incorporation documents to see what they can or cannot do, what the rules are for unpaid items, etc. Often an HOA cannot assess and bill for special, one time improvements, especially those benefiting just one property o...
by Kenkat
Tue Oct 08, 2019 1:11 pm
Forum: Personal Investments
Topic: Moving towards retirement
Replies: 6
Views: 1054

Re: Moving towards retirement

How to roll over your 401k to a Vanguard IRA:

https://investor.vanguard.com/401k-roll ... -roll-over
by Kenkat
Tue Oct 08, 2019 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Hillarious insight on having $5 Million
Replies: 14
Views: 3874

Re: Hillarious insight on having $5 Million

I could retire twice, maybe three times on that amount. But I’m more George Bailey rich than “rich” rich.
by Kenkat
Sun Oct 06, 2019 6:19 pm
Forum: Personal Consumer Issues
Topic: replacing Smoke Detectors (not just batteries)
Replies: 30
Views: 1816

Re: replacing Smoke Detectors (not just batteries)

RickBoglehead wrote:
Sun Oct 06, 2019 6:08 pm
New ones will alert at end of life.
This will occur at 3am.
by Kenkat
Sat Oct 05, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Change of Careers after 1st Retirement
Replies: 17
Views: 1723

Re: Change of Careers after 1st Retirement

I would revisit this question in about 15 years. It’s way too early to know what careers will be in favor this far out. For now, I’d focus on maintaining your current career skills to get you to that targeted retirement at 55 in the best possible financial shape. About 5 years out from retirement, y...
by Kenkat
Fri Oct 04, 2019 6:36 pm
Forum: Investing - Theory, News & General
Topic: Insurance for mutual funds to guarantee index returns?
Replies: 25
Views: 1822

Re: Insurance for mutual funds to guarantee index returns?

If active managers want my money, they should put THEIR money where their mouths are. If you want guarantees, you can purchase an annuity. But remember, guarantees aren't cheap. If they did exceed the return of the index, would you let them keep 80% of the excess return while you get 20%? It’s a tw...
by Kenkat
Fri Oct 04, 2019 12:15 pm
Forum: Investing - Theory, News & General
Topic: Insurance for mutual funds to guarantee index returns?
Replies: 25
Views: 1822

Re: Insurance for mutual funds to guarantee index returns?

If active managers want my money, they should put THEIR money where their mouths are. If you want guarantees, you can purchase an annuity. But remember, guarantees aren't cheap. If they did exceed the return of the index, would you let them keep 80% of the excess return while you get 20%? It’s a tw...
by Kenkat
Wed Oct 02, 2019 6:38 pm
Forum: Investing - Theory, News & General
Topic: maximum downturn
Replies: 16
Views: 2114

Re: maximum downturn

Here's another perspective on the Great Depression, examining the time to recovery of assets. https://www.nytimes.com/2009/04/26/your-money/stocks-and-bonds/26stra.html. "An investor who invested a lump sum in the average stock at the market’s 1929 high would have been back to a break-even by late ...
by Kenkat
Wed Oct 02, 2019 8:01 am
Forum: Personal Consumer Issues
Topic: Anyone replace an iPhone screen yourself?
Replies: 14
Views: 1033

Re: Anyone replace an iPhone screen yourself?

$80 is a fair price in my opinion based on past experience. I am reasonably handy but wouldn’t tackle this job myself if someone could do it for me for $80.
by Kenkat
Wed Oct 02, 2019 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Willingly going from lucrative job to unemployed?
Replies: 132
Views: 13455

Re: Willingly going from lucrative job to unemployed?

Door #2: Set a limit on your hours. Work 40.00 hours. At the end of 40 hours, don't come back until next week. Don't say you can't do that. I had to do that years ago to avoid being in my office running simulations at 9pm. I set a time and at 5:00, I got up and went home. And you know what? Nobody ...
by Kenkat
Wed Oct 02, 2019 7:50 am
Forum: Personal Consumer Issues
Topic: Risks with seeing out of network dentist?
Replies: 22
Views: 1265

Re: Risks with seeing out of network dentist?

I use an out of network dentist with my dental plan. I have to pay a 10% co-pay and they only reimburse at what they determine market rate. So, for example, a cleaning might be charged at $85 but they only cover $82. Similar with the oral exam. My dentist is usually very close to the market rates, m...
by Kenkat
Wed Oct 02, 2019 7:43 am
Forum: Personal Consumer Issues
Topic: Should I Restore this Ethan Allen Furniture Set?
Replies: 8
Views: 963

Re: Should I Restore this Ethan Allen Furniture Set?

Depending on the extent of the scuffs and scratches, you’d be amazed with what you can do to improve appearance just using some matching brown shoe polish (think Kiwi in a little tin) rubbed into the scuffs or scratches. It’s more of a touch up instead of a complete refinish. Alternately, you can al...
by Kenkat
Tue Oct 01, 2019 7:35 pm
Forum: Personal Consumer Issues
Topic: What are the styles or genres of home interior design?
Replies: 5
Views: 697

Re: What are the styles or genres of home interior design?

Ikean
Cardboard boxian
Milkcratian
Saudernian
Frathousian
Mywifeian

I have employed all these styles as I have progressed through life if you have specific questions on a particular style.
by Kenkat
Sun Sep 29, 2019 10:47 am
Forum: Investing - Theory, News & General
Topic: Bonds returns are on par with Stocks?
Replies: 98
Views: 5621

Re: Bonds returns are on par with Stocks?

The problem is that it is accepted as a truism that stocks will always outperform bonds in the "long run". That begs the question of how to define the long run and more to the point, assumes that based on a limited sample of several decades it will always be the case. When you own stocks you own co...
by Kenkat
Sun Sep 29, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: Going to a wedding party
Replies: 48
Views: 4131

Re: Going to a wedding party

Gift of two head of cattle, four sheep or ten chickens is custom from old country. As others have said, customs can vary by region or family ethnicity. If you know others who will be attending, ask around as to what they are doing. The best gift you can give is to attend with true joy and happiness ...
by Kenkat
Sun Sep 29, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Bought out GMC lease and received bill from GMC
Replies: 12
Views: 2049

Re: Bought out GMC lease and received bill from GMC

I purchased my GMC lease back in March. Today I received a bill from GMC for the disposition and excess mileage. My lease agreement states that if I purchased the vehicle I would not be responsible for the the disposition or excess miles. I called GMC but they are closed until Monday. I am wonderin...
by Kenkat
Sat Sep 28, 2019 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Staying the course is so hard (support thread)
Replies: 141
Views: 14477

Re: I feel guilty spending my money!

You make $50,000 a month and it sounds like you save at least $20,000 of that. So this car will cost you about a month and a half of earnings or 3 months of savings. That’s not a lot. You can afford it for sure. So you have to decide what’s stopping you because it seems like it is more than the mone...
by Kenkat
Sat Sep 28, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: Should I sell my BMW
Replies: 48
Views: 3316

Re: Should I sell my BMW

As much as I'm not a fan of the F30 3-series, I'd keep it. You've already eaten the depreciation cost, and you now have a low-mileage car with a reliable powertrain--N20 has been very solid (except for early production MY2011), which isn't surprising since it's a cut-down version of the well-regard...
by Kenkat
Fri Sep 27, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: Lend my car or pay for rental?
Replies: 16
Views: 1650

Re: Lend my car or pay for rental?

There is no nice and polite way since you already told her she could use your car. Assuming she is a licensed driver, owns a car and is insured and your car is fully insured, the risk is pretty low. If something happens, then something happens. It’s a relative, family first and all that good stuff...
by Kenkat
Fri Sep 27, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Extended warranty transfer dispute with private truck seller
Replies: 36
Views: 1885

Re: Extended warranty transfer dispute with private truck seller

This should have been written into the bill of sale. I’m not a lawyer but without the transfer in writing as a condition of the sale you may have a hard time winning that one. ^ this All this should have been in a bill of sale and there should have been some kind of extended warranty paperwork that...
by Kenkat
Fri Sep 27, 2019 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Extended warranty transfer dispute with private truck seller
Replies: 36
Views: 1885

Re: Extended warranty transfer dispute with private truck seller

This should have been written into the bill of sale. I’m not a lawyer but without the transfer in writing as a condition of the sale you may have a hard time winning that one. ^ this All this should have been in a bill of sale and there should have been some kind of extended warranty paperwork that...
by Kenkat
Thu Sep 26, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: Buying expensive TVs online
Replies: 54
Views: 3689

Re: Buying expensive TVs online

Based on my experience with another credit card extended warranty, Citi has outsourced this to a claims processor. They will require a repair estimate from Best Buy / Geek Squad stating that the TV is not repairable. My initial claim was rejected and I had to go back and get a repair estimate even t...
by Kenkat
Thu Sep 26, 2019 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4710

Re: Protection From Catastrophic Medical Costs When Fully Insured

A similar story here that CBS recently did: https://www.cbsnews.com/news/man-hit-with-650000-in-medical-bills-gets-relief-after-cbs-news-story-2019-09-25/ If your friend is in NY state, contact the NY DFS - there is a link in the article. Otherwise, I would try contacting your congressional represen...