Search found 4172 matches

by Kenkat
Sun Sep 23, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)
Replies: 36
Views: 2302

Re: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)

mhc wrote:
Thu Sep 20, 2018 1:22 pm
Verizon has had really good deals on cell phones. I have purchased new phones 2 of the last 3 years.
+1

If you are in the market for a new phone, black friday is your day if you can wait. You don’t even need to leave the house; most deals are available online.
by Kenkat
Sun Sep 23, 2018 9:31 am
Forum: Investing - Theory, News & General
Topic: A bump on the road from active to passive
Replies: 24
Views: 2173

Re: A bump on the road from active to passive

Long term measures of Vanguard active funds have shown that there is about a 50/50 chance of them beating their benchmark index. How is this possible when other studies show 80-90% of active funds fail to beat their index? Because the Vanguard active funds are also low cost - just like the index fun...
by Kenkat
Sat Sep 22, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Home Equity Line of Credit, keep or close?
Replies: 5
Views: 285

Re: Home Equity Line of Credit, keep or close?

You should look and see if you can getter a better deal on a HELOC. Mine is no fee and current rate is 4.24%.
by Kenkat
Sat Sep 22, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Backing up Windows 10
Replies: 5
Views: 523

Re: Backing up Windows 10

You could use the Clone function in Macrium. This creates an exact copy of your hard drive. If you ever need to, you can just swap the current drive with the backup inside the computer and you are ready to roll. If you have room in the case, you can also just clone to a spare drive and if you need t...
by Kenkat
Sat Sep 22, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Another job interview ‘skip the tie’ question
Replies: 29
Views: 1933

Re: Another job interview ‘skip the tie’ question

Oh, boy, here it comes. Here are (unverified) questions we have heard from our applicants, according to recruiting coordinators: - can I wear shorts, - can I wear flip-flops, - can I wear a bathrobe, - can I wear a hoodie, I work in a pretty conservative industry in IT; we were previously business ...
by Kenkat
Sat Sep 22, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Another job interview ‘skip the tie’ question
Replies: 29
Views: 1933

Re: Another job interview ‘skip the tie’ question

I would go with something along the lines of what stan1 or GaryEsq suggest. I would not probably wear a suit without a tie - still too formal; I’d save the jeans until after he gets the job.
by Kenkat
Fri Sep 21, 2018 6:47 pm
Forum: Investing - Theory, News & General
Topic: A bump on the road from active to passive
Replies: 24
Views: 2173

Re: A bump on the road from active to passive

Star Fund is cheap. Not as cheap as an index fund, but close enough that it doesn’t have a huge impact. You are talking about a difference of 0.19% per year. It doesn’t take much to make up with that either through a different (and perhaps better) asset mix or just random chance. What makes index fu...
by Kenkat
Fri Sep 21, 2018 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Thank you from a widow
Replies: 13
Views: 2473

Re: Thank you from a widow

Very sorry for your loss. It is time to write a new chapter in your life, which I am sure you will do when the time is right.
by Kenkat
Wed Sep 19, 2018 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: So new to all this it hurts!
Replies: 27
Views: 3339

Re: So new to all this it hurts!

You don't need BrokerageLink. Your basic plan has good options. The best are: FID 500 INDEX FXSIX 0.015 -- Large caps, 80% of US stocks FID EXT MKT INDEX FSEVX 0.045 -- Mid/small caps, 20% of US stocks VANG TOT INTL STK INDEX VTIAX 0.11 -- Complete international stocks VANG TOT BD MKT INDEX VBTIX 0...
by Kenkat
Wed Sep 19, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Landscaping costs?
Replies: 15
Views: 2068

Re: Landscaping costs?

The only things I’d really consider “landscaping” is the grass and the plants. Maybe the retaining wall and rock fill if you are dealing with a significant slope. You are packing a lot of other stuff into 900 sq. ft. Good stuff that will probably make for a nice space, but if you've gotten several q...
by Kenkat
Wed Sep 19, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Insurance slow to pay claims post accident - options?
Replies: 5
Views: 468

Re: Insurance slow to pay claims post accident - options?

Do you have an agent that you worked with to purchase this insurance? If so, give them a call and tell them things are not going well.
by Kenkat
Sun Sep 16, 2018 12:11 pm
Forum: Investing - Theory, News & General
Topic: Parallels between investing and fantasy football?
Replies: 14
Views: 782

Re: Parallels between investing and fantasy football?

Ha I've actually been thinking about this as the FF season is getting underway 1) the more I "actively" manage my team I don't think I actually do any better 2) most of the fantasy advice people don't outperform and are wrong about their "picks" 3) it's really hard (IMO) to know what's going to hap...
by Kenkat
Sun Sep 16, 2018 12:08 pm
Forum: Investing - Theory, News & General
Topic: Alternative investments - Art, memorabilia, artifacts, antiques
Replies: 17
Views: 1139

Re: Alternative investments - Art, memorabilia, artifacts, antiques

As a collector myself (coins, primarily, but also “pre-boom” sports cards, Lionel trains), I think you have to collect something you have an interest or passion for. Your dad and the retired pilot clearly had this passion. It also happened to work out as an investment but that is subject to the wind...
by Kenkat
Sun Sep 16, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Is your iPad Pro enough on the road?
Replies: 11
Views: 1174

Re: Is your iPad Pro enough on the road?

Mostly yes. If I know I will be doing a lot of heads down work in something like Excel or Word, I will cart the laptop along but try my best to avoid it. I do have Office 365 installed on the iPad so lightweight use of these can occur on the iPad. is the Excel iPad version any good? I use Office365...
by Kenkat
Sat Sep 15, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: Is Hardwood Floor No Maintenance (vs Carpet)?
Replies: 39
Views: 3734

Re: Is Hardwood Floor No Maintenance (vs Carpet)?

All of the dirt that you are currently not cleaning and that now disappears down into the carpet will sit on the surface of the hardwood floor and be visible. This may not bother you either but I will say the one thing you need to be careful of is to avoid things that will scratch the hardwood. Grit...
by Kenkat
Sat Sep 15, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: HOA Donation in Remembrance of Deceased Owner
Replies: 39
Views: 2672

Re: HOA Donation in Remembrance of Deceased Owner

I am the Treasurer of the small (19 homes) HOA of our neighborhood. This question has come up before for us and in reviewing the bylaws of the HOA, this would be a violation of our bylaws as expenditures must be for the “scenic benefit, health and welfare of HOA members as a whole”. So we limit expe...
by Kenkat
Sat Sep 15, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Is your iPad Pro enough on the road?
Replies: 11
Views: 1174

Re: Is your iPad Pro enough on the road?

Mostly yes. If I know I will be doing a lot of heads down work in something like Excel or Word, I will cart the laptop along but try my best to avoid it. I do have Office 365 installed on the iPad so lightweight use of these can occur on the iPad.
by Kenkat
Sat Sep 15, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule revisited
Replies: 44
Views: 5039

Re: The twenty dollar rule revisited

I would look at the lumps and see if you can identify the cause. Are they justified - i.e., that was the month you paid property taxes - or not - i.e. we went on a lavish unplanned vacation?
by Kenkat
Fri Sep 14, 2018 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Single Family Homes in Chicago?
Replies: 28
Views: 2855

Re: Single Family Homes in Chicago?

epoxyresin wrote:
Fri Sep 14, 2018 11:43 am
:happy
I'm of the mind that having reasonable commutes is worth a lot...
Does such a thing exist in Chicago if you have to get downtown from the suburbs? :shock:
by Kenkat
Fri Sep 14, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: Stereo receiver amp without aux plug or bluetooth ?
Replies: 23
Views: 1540

Re: Stereo receiver amp without aux plug or bluetooth ?

Interesting, I have a Yamaha RX-V381 and it has both Bluetooth and a 3.5 Aux Input on the front.

Prior to getting the Yamaha, I used a cable very similar to the Amazon link above.
by Kenkat
Fri Sep 14, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: Stereo receiver amp without aux plug or bluetooth ?
Replies: 23
Views: 1540

Re: Stereo receiver amp without aux plug or bluetooth ?

I have a gen 1 iPad hooked up to a 30 year old amp via a headphone-to-RCA cable, plugged into in the "CD" connection. I use that to stream Pandora. I have another also-older amp hooked to an Apple airport express with the same type cable, that turns it into an airplay speaker I can stream from my p...
by Kenkat
Fri Sep 14, 2018 7:02 pm
Forum: Personal Consumer Issues
Topic: Revocable Trust or TOD Deed for Primary Residence?
Replies: 5
Views: 499

Re: Revocable Trust or TOD Deed for Primary Residence?

We recently redid wills. POA, etc. once our youngest turned 18; the estate attorney recommended a TOD into a standby trust with our two sons as beneficiary of the trust. The rationale being that it is much easier to add a TOD as you don’t need to re-title the assets. The standby trust (which doesn’t...
by Kenkat
Fri Sep 14, 2018 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: How to overcome regrets/fears?
Replies: 15
Views: 1434

Re: How to overcome regrets/fears?

I will add the old cliche “it’s not timing the market, it’s time in the market”. I would calculate how much you actually lost in total dollars by investing 20% in Emerging Markets vs. something like an S&P 500 fund. Compare that to how much you have saved this year. At your age, I would guess that y...
by Kenkat
Tue Sep 11, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: Android app for receipts?
Replies: 7
Views: 592

Re: Android app for receipts?

I use ExpenseIt for work expenses as it integrates with our expense report system in Concur.
by Kenkat
Mon Sep 10, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 9947

Re: Anyone else not save for cars?

I usually finance my cars with our Home Equity Line. Prime minus 1/2% and I pay it off over 4-5 years. I prefer that to building up a bunch of cash over time to make a cash purchase several years down the road.
by Kenkat
Mon Sep 10, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 9947

Re: Anyone else not save for cars?

Just bought a new to me car today, and the sales rep looked confused when I asked for wire instructions. I saved up for it, and dumped my high mileage vehicle before it was completely worthless. I hate payments, and my savings for it doubles as my car maintainence account. I never worry about repai...
by Kenkat
Thu Sep 06, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: My recent experience with buying custom window blinds
Replies: 27
Views: 2610

Re: My recent experience with buying custom window blinds

^ We did the same - local company has been in business since 1901 so they must be doing something right.
by Kenkat
Tue Sep 04, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: Types of seed for new lawn or sod?
Replies: 24
Views: 1546

Re: Types of seed for new lawn or sod?

If you are planting on bare dirt that you have hauled in, you are probably fine to use one of the blends of fescue, bluegrass and rye. A local garden store could likely give you some good recommendations. Make sure the soil is a bit roughed up, broadcast the seed over the planting area and add a sta...
by Kenkat
Mon Sep 03, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: first round ticket to US Open Tennis 2019
Replies: 17
Views: 1524

Re: first round ticket to US Open Tennis 2019

With a username of “go_mets”, how is it that you have not been to a Mets game?
by Kenkat
Mon Sep 03, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: first round ticket to US Open Tennis 2019
Replies: 17
Views: 1524

Re: first round ticket to US Open Tennis 2019

I got to see Roger Federer play in a mid-round at the Cincinnati Masters (then called the ATP Championship) a few years ago and it was very enjoyable. I just kind of lucked out; a business contact happened to get tickets and that was who was on for that day. It would be awesome to see Serena play bu...
by Kenkat
Sun Sep 02, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Crazy Rich Asian -> Movie
Replies: 16
Views: 2360

Re: Crazy Rich Asian -> Movie

I enjoyed it for the most part. The cultural and family dynamics were interesting; I had not really thought of there being a cultural rift between native born and Chinese Americans. Most of my understanding of Chinese family culture is from “The Good Earth” which is dated I am sure. I thought Singap...
by Kenkat
Sun Sep 02, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Sell house before exclusion expires?
Replies: 8
Views: 984

Re: Sell house before exclusion expires?

You are cash flow positive in this house and are also building equity with the rent payment (although you need to think about including maintenance and rental expenses). Most real estate investors would say this is a good investment. If you are ok being a real estate investor and a landlord, it prob...
by Kenkat
Sun Sep 02, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Gardening 2018
Replies: 68
Views: 6622

Re: Gardening 2018

It has been a good growing season here in the Ohio valley. Massive quantities of tomatoes, zucchini, bell peppers, jalapeños and cilantro. We’ve been making lots of salsa and zucchini bread as well as giving away lots. We had some pumpkins going that looked impressive but none of the flowers have tu...
by Kenkat
Sun Sep 02, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: Car Painting
Replies: 22
Views: 1435

Re: Car Painting

I've now got a streak of yellow paint from contact with a cement pillar in a parking lot on my white 2013 Nissan Murano. You can probably remove the yellow paint with some cleaner wax or rubbing compound. I like my cars to look good and I personally will touch it up. In my opinion, a buyer would ra...
by Kenkat
Sat Sep 01, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Home Audio Advice
Replies: 25
Views: 1719

Re: Home Audio Advice

I don’t think you will be happy with TV playing out of four speakers without any type of signal processing; you really want things like dialogue to come out of a speaker or speakers near the picture. So I would either do 5.1 for the TV or just stick with the current sound bar setup for TV. Music wou...
by Kenkat
Sat Sep 01, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Auto Renewals
Replies: 22
Views: 1173

Re: Auto Renewals

Classmates Online? Hard to cancel? I would use a check or a temporary throw away credit card generated number such as Bank of America "Shopsafe" I didn't mention this in the original post but I guess this was my week to try and deal with a few subscriptions. I had another one that kept sending me e...
by Kenkat
Sat Sep 01, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Contemplating trading in a 2-year old car with <25k miles...
Replies: 23
Views: 1713

Re: Contemplating trading in a 2-year old car with <25k miles...

Here’s how I would look at it: if you paid $27k for the Forrester, kept it 10 years and got $4k for it when you sold it, it cost you $2300/yr. Trading it in after two years is costing you $3000/yr., so you basically are taking a $1400 hit for trading early. Offsetting that is you will get a new car ...
by Kenkat
Sat Sep 01, 2018 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Don't Look and Have A Doctor Waiting When You DO
Replies: 35
Views: 5705

Re: Don't Look and Have A Doctor Waiting When You DO

There is another quote that John Bogle uses that I think better describes what he was trying to say here. It is something along the lines of “man’s greatest downfall is his inability to sit still in an empty room”. I think he is saying, look but don’t touch under most circumstances. The problem is t...
by Kenkat
Sat Sep 01, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Auto Renewals
Replies: 22
Views: 1173

Re: Auto Renewals

Classmates Online? Hard to cancel? I would use a check or a temporary throw away credit card generated number such as Bank of America "Shopsafe" I didn't mention this in the original post but I guess this was my week to try and deal with a few subscriptions. I had another one that kept sending me e...
by Kenkat
Fri Aug 31, 2018 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Will I ever sell Ibonds from 2001 - 3% fixed
Replies: 78
Views: 4991

Re: Will I ever sell Ibonds from 2001 - 3% fixed

If you are going to own some bonds, then 3%+ fixed I-bonds are pretty good ones to own. Bonds have never been about maximizing return; bonds are about achieving a risk-return ratio that you can live with over the long run.
by Kenkat
Fri Aug 31, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Home Audio Advice
Replies: 25
Views: 1719

Re: Home Audio Advice

When we built our house, I ran the wire for in wall speakers and installed them myself. Not particularly hard if you are ok with cutting drywall and basic wiring. I installed 4 speakers and a connector panel behind where I wanted the TV to be. The wires in the wall run from the speakers to the conne...
by Kenkat
Thu Aug 30, 2018 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Will I ever sell Ibonds from 2001 - 3% fixed
Replies: 78
Views: 4991

Re: Will I ever sell Ibonds from 2001 - 3% fixed

Yes, I’ve still got some 3.4% fixed stashed away. Wish I had more!
by Kenkat
Thu Aug 30, 2018 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Recent inheritance
Replies: 4
Views: 491

Re: Recent inheritance

I would go with #1. You basically don’t need the money and this probably gives you the best equity exposure at the lowest cost. I’d probably do 50/50 to match the rest of your portfolio but it’s your call there - it’s not a huge difference. #2 would be ok also but you are already invested in the two...
by Kenkat
Mon Aug 27, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: How often do you change your HVAC filters?
Replies: 57
Views: 3138

Re: How often do you change your HVAC filters?

3M Filtrete - every 90 days
by Kenkat
Mon Aug 27, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: Pensions and retirement savings rate
Replies: 30
Views: 2571

Re: Pensions and retirement savings rate

If you can swing 15% + 10% pension, do it. I did a pretty good job of saving when I was young and am in pretty good shape financially but I still wish someone had pulled me aside when I was younger and said “save a little more if you can”. Once you get used to it, you won’t notice it and money = opt...
by Kenkat
Mon Aug 27, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Need a cheap smartphone - no service needed
Replies: 29
Views: 2331

Re: Need a cheap smartphone - no service needed

iPod Touch. Runs iOS. This would be my recommendation as well. Meant for exactly what you intend. And if you have any kids/nieces/nephews in their early 20's talk to them about what they did with any iPod touches they may have been using before they switched over to iPhone. I have a couple of unwan...
by Kenkat
Sun Aug 26, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Power window problem
Replies: 13
Views: 940

Re: Power window problem

First off, I’d tell your dog to fix the window since it sounds like he’s the reason it broke. However, if that plan falls through, find a good local mechanic and take the car to have the window repaired. Ask friends and neighbors if they know any good mechanics or who they use. Usually, problems as ...
by Kenkat
Sat Aug 25, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Selling old car - expired registration
Replies: 31
Views: 1827

Re: Selling old car - expired registration

Just a quick look at cars.com shows that your Camry is worth in the range of $3000 without the CEL and oil leak. It doesn’t make sense to sell it for $500 unless it’s going to cost you more than $2500 to fix it. Just be careful you aren’t giving it away because someone will happily buy it from you, ...
by Kenkat
Sat Aug 25, 2018 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Game Changing Inheritance of Stocks! Now what?
Replies: 75
Views: 7021

Re: Game Changing Inheritance of Stocks! Now what?

The other thing worth pointing out is that while Berkshire Hathaway’s growth is legendary, it’s been a large mature company for many years now. It’s biggest growth days are likely behind it. Over the last 15 years, Berkshire Hathaway and Vanguard Total Stock Market Index have almost identical result...
by Kenkat
Fri Aug 24, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Need a cheap smartphone - no service needed
Replies: 29
Views: 2331

Re: Need a cheap smartphone - no service needed

chinchin wrote:
Fri Aug 24, 2018 2:03 pm
iPod Touch. Runs iOS.
This would be my recommendation as well. Meant for exactly what you intend.