Search found 4311 matches

by Kenkat
Thu Nov 15, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: The biggest / best web development technologies
Replies: 12
Views: 795

Re: The biggest / best web development technologies

shariq1989 wrote:
Thu Nov 15, 2018 3:24 pm
Something more current would be Angular or React front end communicating over a REST API with a Java/Spring or Python/Flask backend. You can find countless courses for these stacks on Udemy or YouTube.
+1; bonus points if you run this on Docker containers
by Kenkat
Thu Nov 15, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: How Long / Hard To Become a Millionaire on Under $100k Income
Replies: 78
Views: 6163

Re: How Long / Hard To Become a Millionaire on Under $100k Income

I started working and saving the late 80’s. Coming out of college, I got a good job paying around $25,000/yr. I worked hard but probably didn’t hit the $100k income mark until my late 40’s. My wife worked as a secretary until we had kids and then stayed at home with them. We still managed to hit a $...
by Kenkat
Wed Nov 14, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Dentists/Dental Professionals: Front Crowns?
Replies: 19
Views: 1303

Re: Dentists/Dental Professionals: Front Crowns?

The correct response is “hmmm, let me think about that a little”. Then you just keep thinking about it.
by Kenkat
Wed Nov 14, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: Understanding the difference in cell phone OS types
Replies: 45
Views: 1965

Re: Understanding the difference in cell phone OS types

I have been a long time iPad user, buying an iPad 2 right after they came out in 2011. Because I had the iPad, I held off on the smartphone until finally caving in late 2015. I was originally going to buy an iPhone so everything would be on the same OS and it would be familiar to me. However, when I...
by Kenkat
Wed Nov 14, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: DCA – change of tune, loss of nerve, and how to time?
Replies: 23
Views: 1187

Re: DCA – change of tune, loss of nerve, and how to time?

Right, drop it into a money market fund at Vanguard and set up automatic transfers every month for 12 to 18 months until it has all been moved over.
by Kenkat
Tue Nov 13, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Feeling uneasy about recent splurge
Replies: 40
Views: 3921

Re: Feeling uneasy about recent splurge

Good sleep is a key to good health.

For a little different perspective, I am going to guess your investment portfolio lost way more than $1000 yesterday. When the market has a good day again, it will probably go up way more than $1000. $1000 is noise in the overall scheme of things.
by Kenkat
Mon Nov 12, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: Fuel system cleaning for old SUV $269!!
Replies: 17
Views: 1178

Re: Fuel system cleaning for old SUV $269!!

Is it running poorly? If no, leave it alone. If yes, I’d try a $5 bottle of Chevron Techron Fuel System Cleaner first.
by Kenkat
Mon Nov 12, 2018 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Would you invest CC cashback into market??
Replies: 32
Views: 1503

Re: Would you invest CC cashback into market??

toomuchRE wrote:
Mon Nov 12, 2018 6:35 pm
I pay each month full. So no balance left to pay normally.
You can still apply it to your card balance and it comes out of the next month’s purchases.
by Kenkat
Sun Nov 11, 2018 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA R1 With Painfully High Expenses - stuck?
Replies: 34
Views: 1918

Re: TIAA R1 With Painfully High Expenses - stuck?

You have plenty of good choices in the 0.5% to 0.6% range. No, they are not as low as Vanguard funds, but those are not painfully high by most 401k standards. You can put together a good approximization of a 3 fund portfolio at reasonable cost.
by Kenkat
Sun Nov 11, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: High-end Christmas decorations
Replies: 41
Views: 3926

Re: High-end Christmas decorations

Those are worth it at any price. #swag
by Kenkat
Sun Nov 11, 2018 11:12 am
Forum: Local Chapters and Bogleheads Community
Topic: Armistice Day - 100 years ago today, the ending of World War One
Replies: 10
Views: 737

Re: Armistice Day - 100 years ago today, the ending of World War One

Thank you to those that served and those currently serving and putting themselves in harm’s way as a part of that service.
by Kenkat
Sun Nov 11, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Looking for computer suggestions
Replies: 17
Views: 1358

Re: Looking for computer suggestions

We bought my son a Lenovo Yoga 600 series for college and it’s been great.
by Kenkat
Sun Nov 11, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: High-end Christmas decorations
Replies: 41
Views: 3926

Re: High-end Christmas decorations

...Kohl’s also will list ornaments for 50% right after Christmas. Kohl's has 40-50% off nearly everything nearly all the time, because their prices are fake. True on everything except Hallmark Christmas ornaments. I’ve seen them at 30% off before Christmas but never 50%. I wait for that extra 20%. ...
by Kenkat
Fri Nov 09, 2018 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Ron Baron Claims He Beats the Markets
Replies: 8
Views: 1148

Re: Ron Baron Claims He Beats the Markets

Jags4186 wrote:
Fri Nov 09, 2018 5:56 pm
If we all invest in all the SP500 companies except the “bad” ones we’ll beat the market. What insightful commentary!
Did he actually say that? Most of his funds don’t invest in S&P 500 sized stocks. Baron Growth does not; it’s largest holding is Vail Resorts.
by Kenkat
Fri Nov 09, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Ron Baron Claims He Beats the Markets
Replies: 8
Views: 1148

Re: Ron Baron Claims He Beats the Markets

His Baron Growth fund offers good performance but I balk at paying close to hedge fund pricing in expenses. Good Lord, even Fidelity doesn’t charge those expenses. However I do understand why Ron Baron might charge those expenses, I read in the past he’s thrown some wildly expensive holiday parties...
by Kenkat
Fri Nov 09, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Help. They are removing index funds.
Replies: 56
Views: 4000

Re: 401k Removed Index Funds

Similar to the above, I would just put forth the argument that index funds are a significant part of the market and so should be represented in the plan. It is the responsibility of the investment committee to provide choices to the plan members, not make those choices for them.
by Kenkat
Fri Nov 09, 2018 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Ron Baron Claims He Beats the Markets
Replies: 8
Views: 1148

Re: Ron Baron Claims He Beats the Markets

I’ve owned Baron Growth Fund, which is one of the original Baron funds, since the late 90’s - late 98 or early 99. It has beaten its benchmark since then although results were better at the beginning of the period than more recently; he’s mostly matched the benchmark for the last 10 years or so. Ron...
by Kenkat
Thu Nov 08, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 131
Views: 9696

Re: Favorite "free stuff"?

tim1999 wrote:
Thu Nov 08, 2018 6:53 pm
Finding near-new Titleist ProV1 golf balls in the woods alongside the golf hole I am playing.
Once those balls have gotten a taste of freedom, they can no longer be relied upon to stay in the fairway. :happy
by Kenkat
Thu Nov 08, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: 426% return if there is a recession in 2019?
Replies: 23
Views: 3960

Re: 426% return if there is a recession in 2019?

Similar to sports betting, it is critical that the site can keep an equal amount of money on both sides of “the line”. If they get too much on one side or the other and that comes to pass, they will “take a bath” on that bet as they say in Vegas and will need to “cover” with money from outside of t...
by Kenkat
Thu Nov 08, 2018 8:52 am
Forum: Investing - Theory, News & General
Topic: 426% return if there is a recession in 2019?
Replies: 23
Views: 3960

Re: 426% return if there is a recession in 2019?

Similar to sports betting, it is critical that the site can keep an equal amount of money on both sides of “the line”. If they get too much on one side or the other and that comes to pass, they will “take a bath” on that bet as they say in Vegas and will need to “cover” with money from outside of th...
by Kenkat
Wed Nov 07, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: High-end Christmas decorations
Replies: 41
Views: 3926

Re: High-end Christmas decorations

You can buy prior year Hallmark ornaments on eBay very cheap; while there are exceptions, most go for much less than original retail. Kohl’s also will list ornaments for 50% right after Christmas. I’ve been buying the Hallmark Lionel series which Hallmark has figured out is a big draw for people. It...
by Kenkat
Wed Nov 07, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: diamond appraisals
Replies: 3
Views: 449

Re: diamond appraisals

A GIA report will help you to determine the quality and value of your diamond. One use is for documentation purposes if you plan to have it insured.
by Kenkat
Tue Nov 06, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 14544

Re: How much money are you leaving your kids after you die?

I will leave them as much as I am able. If I have done a good job raising them, they will use it wisely and responsibly. And if I haven’t? Well, I’ll be dead anyway.
by Kenkat
Mon Nov 05, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Please help me with my car decision
Replies: 42
Views: 3395

Re: Please help me with my car decision

I on the other hand would get winter tires on the Porsche (if you are ok exposing it to the elements). I’d drive it up the sides of mountains, on ski slopes, past AWD SUVs with all season tires, playing Ride of the Valkyries when appropriate. You can probably find a tire dealer who will store your t...
by Kenkat
Mon Nov 05, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Buying a mini-van
Replies: 25
Views: 1797

Re: Buying a mini-van

We never had a built in entertainment system in either of our minivans (spanning 15 years, still have one). In that time, we started with a small TV/VCR unit that sat between the front seat (Scooby Doo videos seemed to be the most popular), then went to DVD players / screens that strapped to the bac...
by Kenkat
Sun Nov 04, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Dentist replaced crown a few months back and now I'm told the tooth needs to be pulled!
Replies: 49
Views: 3434

Re: Dentist replaced crown a few months back and now I'm told the tooth needs to be pulled!

I doubt you will have any luck getting a refund. I would get a second opinion from an endodontist; they should be able to give you an opinion at a reasonable cost.
by Kenkat
Sun Nov 04, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Helping Mom after Dad died talking with financial institutions
Replies: 8
Views: 923

Re: Helping Mom after Dad died talking with financial institutions

We went through similar circumstances with my wife’s parents before they passed a couple of years ago. We did the routine with them on the phone with them on the line - which, as you said, doesn’t work great. I think there is concern that, even though your mom is on the phone, someone (you) is manip...
by Kenkat
Sun Nov 04, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Group life insurance through work
Replies: 20
Views: 1544

Re: Group life insurance through work

I submitted my information to term4sale.com, and the rate is indeed cheaper. I think I will go to the minimum at work. My employer reimburse life insurance up to a small amount. If I don't use it, I will lose it. Thank you for the input. I should have shopped around years ago. Sigh.... When you are...
by Kenkat
Sun Nov 04, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Where can I put savings to live on for 2+ years?
Replies: 11
Views: 1619

Re: Where can I put savings to live on for 2+ years?

I’d personally probably do the Ally account or Vanguard Prime MM, but if you want to shoot for a little additional income, you could use a short term or limited term bond fund at Vanguard or you could build a small CD ladder, buying CDs at 6 months, a year, 18 months, etc.
by Kenkat
Sun Nov 04, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: AA with Bonds & Defined Benefit Pension(s)
Replies: 10
Views: 782

Re: AA with Bonds & Defined Benefit Pension(s)

I think there are two basic schools of thought here on the forum: 1) A pension represents an income stream. You set your asset allocation based on your risk tolerance and your need to generate additional income someday from your portfolio, but they are basically separate. One is an income stream, th...
by Kenkat
Sat Nov 03, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Please help me with my car decision
Replies: 42
Views: 3395

Re: Please help me with my car decision

How does a 997 convertible solve your winter car problem? Edited to add: if you are ok driving a Porsche in the winter, just get a set of dedicated snow tires and rims and run them on your existing Porsche From Nov. 1 to May 1 or so. Then you can run summer tires the rest of the year. AWD won’t be t...
by Kenkat
Sat Nov 03, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Migrating Win 10 to SSD
Replies: 14
Views: 991

Re: Migrating Win 10 to SSD

I agree with this. I cloned my 1TB hard drive to a 500GB SSD. I was able to do this as I was using less than 500GB on the original drive. That said, I had to use Paragon to resize the drive partition as I imaged the drive. The software that came with the drive (Samsung EVO) didn’t seem to like this...
by Kenkat
Sat Nov 03, 2018 12:30 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Sometimes, It’s Bonds For the Long Run
Replies: 72
Views: 5943

Re: WSJ: Sometimes, It’s Bonds For the Long Run

JoMoney wrote:
Sat Nov 03, 2018 9:47 am
I wonder what Siegel used in his data for "U.S. Dollar" , since there wasn't a national currency until the National bank Act of 1863.
There were still gold and silver coins denominated in dollars or fractions of a dollar.
by Kenkat
Sat Nov 03, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Migrating Win 10 to SSD
Replies: 14
Views: 991

Re: Migrating Win 10 to SSD

It's unlikely you'll be successful cloning your 1 TB HDD to your 120 gb SSD due to capacity issues. Your 1 TB is probably filled up with more than 120 gb of data. You'll have to go through the mess of reinstalling the OS or deleting programs. And then in the future you'd have to remember to install...
by Kenkat
Sat Nov 03, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Please help me with my car decision
Replies: 42
Views: 3395

Re: Please help me with my car decision

The Porsche is your fun car, I get that. So keep it. So ideally, you need two other cars, one for you to drive in winter and one for your wife to drive year round. It seems like if your wife drove the minivan in the winter and you drove the Infiniti, that might work. Your wife also might say I don’t...
by Kenkat
Sat Nov 03, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Should I buy a fire truck?
Replies: 13
Views: 877

Re: Should I buy a fire truck?

No, too new still. You’d be better off buying something older and restoring if you want to take it to shows, etc.
by Kenkat
Sat Nov 03, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Indoor Play toys for toddler
Replies: 31
Views: 1801

Re: Indoor Play toys for toddler

As an add on to the kitchen idea, you can also buy a toy shopping cart and save old food boxes, rinse out cans, etc. to create a grocery store of empty items. Spend some time shopping, bring the stuff home to the kitchen and do some cooking. Good times.
by Kenkat
Fri Nov 02, 2018 12:25 pm
Forum: Investing - Theory, News & General
Topic: First U.S. Penny Will Be Auctioned for 100 Million Times Its Monetary Value
Replies: 13
Views: 2422

Re: First U.S. Penny Will Be Auctioned for 100 Million Times Its Monetary Value

And no "In God We Trust" The motto “In God We Trust” came into use on coinage during the Civil War, presumably in response to public and political perception at the time. It fell out of favor by the late 1800’s as the country recovered from the horrors of the Civil War but came back into use by the...
by Kenkat
Thu Nov 01, 2018 10:20 am
Forum: Investing - Theory, News & General
Topic: An extreme example of inflation and a mortgage
Replies: 37
Views: 3186

Re: An extreme example of inflation and a mortgage

Inspired by a recent thread, I wanted to create an extreme example of inflation where it becomes cheaper to borrow for a house than pay in cash, demonstrating the effect of inflation and the fact that "fixed" costs are never truly fixed. The following example is simplified by applying annual inflat...
by Kenkat
Wed Oct 31, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: The most you ever paid for a prescription
Replies: 80
Views: 3534

Re: The most you ever paid for a prescription

The retail price of a drug advertised on national TV will typically be >500/mo. Not surprising -- all those TV ads must cost a lot.. I take Eliquis for clotting issues. You’ve probably seen the ads. It’s around $400/mo. retail but luckily it’s considered a “maintenance medication” and so is covered...
by Kenkat
Wed Oct 31, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: How would you proceed?--car accident
Replies: 22
Views: 1782

Re: How would you proceed?--car accident

Did the police cite the other driver? In Ohio, police will typically issue a citation to the driver they consider at fault if it is clear from the accident scene. This is good ammunition in a dispute.
by Kenkat
Wed Oct 31, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: Who has gotten the most value out of a car?
Replies: 48
Views: 3217

Re: Who has gotten the most value out of a car?

Bought a 72 Pontiac Catalina for $700 in 1979; sold it for $400 in 1982 and bought my dad’s old company car, a 78 Impala, also for $400 (won on a sealed bid and no one else must have bid). Traded in the Impala in 1987 for $1000 on an 87 Acura Integra. So drove for 8 years for -$300. It has been all ...
by Kenkat
Tue Oct 30, 2018 7:35 pm
Forum: Investing - Theory, News & General
Topic: First U.S. Penny Will Be Auctioned for 100 Million Times Its Monetary Value
Replies: 13
Views: 2422

Re: First U.S. Penny Will Be Auctioned for 100 Million Times Its Monetary Value

b0B wrote:
Tue Oct 30, 2018 2:52 pm
My new quest in life is to buy this penny and then accidentally spend it.
It’s a bit larger than what you are used to - more half dollar sized - so that would be quite an accident!
by Kenkat
Mon Oct 29, 2018 12:12 pm
Forum: Investing - Theory, News & General
Topic: Giving up on GoogleSpreadsheets. Need alternative.
Replies: 29
Views: 3891

Re: Giving up on GoogleSpreadsheets. Need alternative.

I pay for a Morningstar Premium membership so I can use the premium X-Ray tool. It’s a bit pricey but it does much of what you have listed.
by Kenkat
Sun Oct 28, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: When to get a new toilet?
Replies: 52
Views: 3868

Re: When to get a new toilet?

Since you are an out of town landlord and am assuming you don’t want to do the work yourself, I’d get a new toilet rather than pay the plumber labor to replace the moving parts.
by Kenkat
Fri Oct 26, 2018 7:19 pm
Forum: Investing - Theory, News & General
Topic: Market correction this week.
Replies: 15
Views: 2657

Re: Market correction this week.

I wonder whether any name brand financial guru called this week's market correction? It wasn't a correction. The S&P 500 lost just over 4% this week. A correction is a 10% change. Now, in answer to your question, perhaps. Gurus have been known to be wrong, so if one called for a "correction" this w...
by Kenkat
Fri Oct 26, 2018 5:08 pm
Forum: Investing - Theory, News & General
Topic: Market correction this week.
Replies: 15
Views: 2657

Re: Market correction this week.

I wonder whether any name brand financial guru called this week's market correction? It wasn't a correction. The S&P 500 lost just over 4% this week. A correction is a 10% change. Now, in answer to your question, perhaps. Gurus have been known to be wrong, so if one called for a "correction" this w...
by Kenkat
Fri Oct 26, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: New Range
Replies: 10
Views: 1049

Re: New Range

This is why I still have my 20 year old Jenn-Aire gas range. We looked at replacing it a few years ago when we replaced a couple of other appliances but we could not find anything that we liked for what I thought was a reasonable amount of money.
by Kenkat
Fri Oct 26, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Unplugging from Tech Tips
Replies: 38
Views: 2843

Re: Unplugging from Tech Tips

At night when it is time to go to bed, the phone and iPad get plugged into their chargers in the kitchen and I go to media blackout until the next morning. Sleep is critical to health. We do still have a home phone so if there is an emergency, I will answer that.
by Kenkat
Thu Oct 25, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Insignia TV Has Black Screen
Replies: 32
Views: 1653

Re: Insignia TV Has Black Screen

^ It was not wall mounted but apparently this was a common problem with this particular line of Vizio TVs due to heating and cooling of the solder joints; I could see wall mounting making that worse.