Search found 4524 matches

by Kenkat
Sun Jan 20, 2019 8:11 pm
Forum: Personal Consumer Issues
Topic: Where to buy CR2032 batteries?
Replies: 44
Views: 3220

Re: Where to buy CR2032 batteries?

I buy them on eBay; they seem to work fine. I buy a name brand from a high volume seller with high feedback.
by Kenkat
Sun Jan 20, 2019 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: High Yield vs Inter-Term Tax Exempt - Considering Rebalancing
Replies: 9
Views: 574

Re: High Yield vs Inter-Term Tax Exempt - Considering Rebalancing

If you go back and carefully read OP's post, it is about High Yield Tax Exempt, not about High Yield corporate. Some of the responses seem to have missed this fact. Ah, yes, you are correct. My mistake, I think I read the title and missed that detail in the post.We sometimes see what we are familia...
by Kenkat
Sun Jan 20, 2019 12:37 pm
Forum: Investing - Theory, News & General
Topic: Why is index investing better than other quantitative strategies?
Replies: 38
Views: 3546

Re: Why is index investing better than other quantitative strategies?

I question the validity of the chart. According to this article: https://www.marketwatch.com/story/you-can-no-longer-trust-the-200-day-moving-average-as-a-stock-market-indicator-2018-02-13 The 200 moving average strategy has failed to beat buy and hold of the 500 Index for the past decade. In additi...
by Kenkat
Sun Jan 20, 2019 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: High Yield vs Inter-Term Tax Exempt - Considering Rebalancing
Replies: 9
Views: 574

Re: High Yield vs Inter-Term Tax Exempt - Considering Rebalancing

What tax bracket are you in? You need to look at after tax yields to make a fair determination. Ideally, you should hold the high yield bonds in a tax deferred account. As to what the correct ratio should be, that is really a judgement call. Many would say that the reason high yield bonds yield more...
by Kenkat
Sun Jan 20, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: Confirm that IPhone 5s Won't Work on Verizon Network as of Late 2019?
Replies: 13
Views: 1742

Re: Confirm that IPhone 5s Won't Work on Verizon Network as of Late 2019?

It sounds to me as if you cannot activate a 5s now and any existing 5s devices will stop working when Verizon retires it’s CDMA a network at the end of 2019.
by Kenkat
Sat Jan 19, 2019 12:49 pm
Forum: Investing - Theory, News & General
Topic: So when do you sell?
Replies: 27
Views: 2652

Re: So when do you sell?

Yes and Yes
by Kenkat
Sat Jan 19, 2019 12:47 pm
Forum: Investing - Theory, News & General
Topic: What active management stock funds would you own?
Replies: 85
Views: 5758

Re: What active management stock funds would you own?

Here are my active funds, when I first started with them and why I have them: Vanguard Primecap (1998) - I rolled over a 401k to Vanguard and wanted to split value and growth. At the time, Vanguard used the Barra 500 Indexes, which basically just split the S&P 500 in half. So I instead went with Pri...
by Kenkat
Thu Jan 17, 2019 9:04 pm
Forum: Personal Consumer Issues
Topic: What shelf liquor and your favorite cocktails?
Replies: 45
Views: 2783

Re: What shelf liquor and your favorite cocktails?

I like to keep a stocked bar to be able to fulfill most reasonable requests. Here’s the current inventory: 1792 Bourbon Larceny Bourbon Angel’s Envy Bourbon Maker’s 46 Bourbon Redemption Rye Jack Daniel’s Tennessee Fire Bushmill Irish Whiskey Tanqueray Gin El Toro Silver Tequila Jose Cuervo Tradicio...
by Kenkat
Wed Jan 16, 2019 8:10 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 853
Views: 45084

Re: John Bogle is dead at 89

I bow my head in gratitude and remembrance to one of the true greats.
by Kenkat
Wed Jan 16, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: End of an era - Boeing 727
Replies: 35
Views: 2412

Re: End of an era - Boeing 727

I live on the flight path of CVG/Cincinnati Airport. We are right at the edge of the 5 mile restriction zone. We mostly get arrivals, but occasionally departures as well. When we first moved in in the late 90’s, we would get the occasional 727 taking off. Loud as hell, left a big smoke trail behind...
by Kenkat
Tue Jan 15, 2019 9:08 pm
Forum: Personal Consumer Issues
Topic: End of an era - Boeing 727
Replies: 35
Views: 2412

Re: End of an era - Boeing 727

I live on the flight path of CVG/Cincinnati Airport. We are right at the edge of the 5 mile restriction zone. We mostly get arrivals, but occasionally departures as well. When we first moved in in the late 90’s, we would get the occasional 727 taking off. Loud as hell, left a big smoke trail behind....
by Kenkat
Tue Jan 15, 2019 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 50k car? If so, whats the best way to do it?
Replies: 48
Views: 2115

Re: Can I afford a 50k car? If so, whats the best way to do it?

I wouldn’t buy a classic car like a 67 Chevelle if I couldn’t garage it. On the plus side, there’s a decent chance that car holds its value and you could sell it for a good price in the future if you change your mind. You might also think about buying a few years old Camaro SS or Mustang GT - a 2014...
by Kenkat
Tue Jan 15, 2019 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: A co-worker makes more than me
Replies: 77
Views: 6599

Re: A co-worker makes more than me

This most likely has nothing to do,with your performance, their performance, job responsibilities or any other merit based reasons. It is most likely because they came in at a higher salary - which in turn is a result of previous job changes or performance. Sadly, loyal employees tend to always be c...
by Kenkat
Tue Jan 15, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: Which iPad?
Replies: 19
Views: 1107

Re: Which iPad?

Given your use case and the current price difference between the regular iPad and Pro, I’d go with the regular iPad 9.7.
by Kenkat
Mon Jan 14, 2019 1:27 pm
Forum: Personal Consumer Issues
Topic: 2019 Camry vs RAV4
Replies: 39
Views: 3701

Re: 2019 Camry vs RAV4

Camry has a $1000 rebate currently. You should be able to buy it for below invoice price. RAV 4 is probably going to sell for close to full sticker price until demand settles out a bit as it is brand new for 2019.
by Kenkat
Mon Jan 14, 2019 8:39 am
Forum: Personal Consumer Issues
Topic: Fantastic Resort Recommendations???
Replies: 31
Views: 2943

Re: Fantastic Resort Recommendations???

Gaylord Hotel Resorts might fit the bill:

https://www.marriott.com/gaylord-hotels/travel.mi

I have stayed at Opryland and National Harbor and enjoyed both.
by Kenkat
Sun Jan 13, 2019 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: What's your experience upgrading to Quicken 2018 or 2019?
Replies: 41
Views: 2166

Re: What's your experience upgrading to Quicken 2018 or 2019?

radiowave wrote:
Sun Jan 13, 2019 3:14 pm
I have Quicken 2017. At what point will I have to make a decision about converting to the subscription versions?
Around April of 2020 if you want to continue using online services such as transaction downloads.
by Kenkat
Sun Jan 13, 2019 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard PRIMECAP and Capital Opportunity
Replies: 48
Views: 2835

Re: Vanguard PRIMECAP and Capital Opportunity

I’ve held Primecap since 1998. Performance has been excellent. It is low cost and low turnover, although not quite to index fund levels. It tends to hold smaller stocks on average than for example an S&P 500 fund and is probably better compared to a mid-cap fund. It seems to move around a bit betwee...
by Kenkat
Sat Jan 12, 2019 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: What's your experience upgrading to Quicken 2018 or 2019?
Replies: 41
Views: 2166

Re: What's your experience upgrading to Quicken 2018 or 2019?

I’m similar to Toons. I started using Quicken in 1991 with Quicken for DOS and was recently on 2016 Deluxe, which as you mentioned stops doing downloads in 2019. I upgraded to a 2 year subscription in December. I had no issues with the upgrade and everything is functioning fine for me. I have not no...
by Kenkat
Sat Jan 12, 2019 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: How Long Should I Keep Financial Records of Deceased Relatives
Replies: 20
Views: 1428

Re: How Long Should I Keep Financial Records of Deceased Relatives

When my in-laws passed away, we had two boxes that we sorted all of the paperwork into. The first box held all of the detail like old statements, confirmations, correspondence, etc. The second box held the important paperwork. Tax return information, a most recent statement, other important paperwor...
by Kenkat
Fri Jan 11, 2019 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Company relocating and not interested - next steps ?
Replies: 48
Views: 3691

Re: Company relocating and not interested - next steps ?

At 55, hoping to retire at 60 or so if I understood you correctly? I would ride the current job out as long as I could and then take the year’s severance and unemployment and either make retirement work or get a new job. The job market right now is awfully good. It’s a bit of a leap of faith, but th...
by Kenkat
Fri Jan 11, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Car / Umbrella and teen driver (California)
Replies: 14
Views: 648

Re: Car / Umbrella and teen driver (California)

My umbrella policy pricing did not change with the addition of new drivers, even at renewal in my situation. Pricing policies are likely highly variable by company, state, type of drivers and vehicles, etc. Contacting your carrier is probably the only way you will get a good idea beyond some ballpar...
by Kenkat
Fri Jan 11, 2019 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Car / Umbrella and teen driver (California)
Replies: 14
Views: 648

Re: Car / Umbrella and teen driver (California)

In Ohio, I didn’t have to add my teen drivers to my policy while they had a learner’s permit, only when they got their license. It cost around $125/mo. to add a teen male driver to my policy. There was no change in cost for my umbrella policy. I don’t think asking about adding a driver is going to r...
by Kenkat
Thu Jan 10, 2019 10:15 pm
Forum: Investing - Theory, News & General
Topic: Are REITs better to purchase when interest rates are high or low?
Replies: 64
Views: 4348

Re: Are REITs better to purchase when interest rates are high or low?

My observation having owned REITs since 2000 is that they benefit when rates are falling and struggle when rates are rising. The “yield” paid out as distributions competes to some degree with other investments. As rates fall, that yield becomes more attractive, driving REIT prices up.
by Kenkat
Thu Jan 10, 2019 10:11 pm
Forum: Personal Consumer Issues
Topic: Best way to match paint?
Replies: 22
Views: 1439

Re: Best way to match paint?

Just go to Lowes and have them match the paint in the computer. No brainer. Take a sample from the actual wall for a match. You need a piece about the size of a quarter. It will match the paint as is. If the paint faded over time, no matter because it matches what it sees now. The you can have them...
by Kenkat
Thu Jan 10, 2019 8:45 pm
Forum: Personal Consumer Issues
Topic: Newspapers / News Subscriptions
Replies: 19
Views: 645

Re: Newspapers / News Subscriptions

I drive down to the local store every Sunday and get a paper for $2. I used to have home delivery but it was getting ridiculously expensive. I read the Apple news app on my iPad, Yahoo Finance, Daily Mail Online, and the local newspaper online app for news during the week. Local news and CBS News mo...
by Kenkat
Thu Jan 10, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: Best way to match paint?
Replies: 22
Views: 1439

Re: Best way to match paint?

Good information above on matching not only the color, but the sheen, etc. Almost impossible. Painting an entire wall is a good option, but one other thing I have had some success with is to “feather” the new paint into the old paint. Start with a mostly dry brush and put a partial / light coat onto...
by Kenkat
Thu Jan 10, 2019 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Building Wealth Through Home Equity--Myth or Reality?
Replies: 94
Views: 6103

Re: Building Wealth Through Home Equity--Myth or Reality?

Home equity has traditionally been the only way to get people to not spend every cent they make. Unfortunately, being able to pull equity out has become very easy, so even that no longer keeps many families above water. So in a "Leave it to Beaver" world, where the family buys a home and pays until...
by Kenkat
Tue Jan 08, 2019 1:01 pm
Forum: Personal Consumer Issues
Topic: I bought a new iPad on sale...should I have?
Replies: 38
Views: 2563

Re: I bought a new iPad on sale...should I have?

I use mine a ton. It’s my primary device at home; I will occasionally use the Windows 10 desktop at home and I use my phone when I am out of the house, but am on the iPad for most of my content consumption. Most things you can do on your phone are better on the iPad. The only downside is that you ca...
by Kenkat
Mon Jan 07, 2019 10:21 pm
Forum: Personal Consumer Issues
Topic: Balsam Hill - Defective Christmas Tree
Replies: 66
Views: 2774

Re: Balsam Hill - Defective Christmas Tree

Do a chargeback. You’ve tried to work it out with them, a chargeback puts the ball back in their court and it becomes their problem.
by Kenkat
Sun Jan 06, 2019 8:24 pm
Forum: Personal Consumer Issues
Topic: Bedding (sheets) recommendations - having terrible experience finding quality sheets
Replies: 35
Views: 2321

Re: Bedding (sheets) recommendations - having terrible experience finding quality sheets

I have never had good luck buying sheets based on thread count. I look for percale cotton when buying sheets.
by Kenkat
Sun Jan 06, 2019 4:59 pm
Forum: Personal Consumer Issues
Topic: Who pays for apps?
Replies: 42
Views: 2477

Re: Who pays for apps?

They are getting paid for one way or another. Either you are paying via in-app purchases, watching ads or your data is being sold - sometimes without your direct knowledge. I like free apps also but have also paid for some that I like and to support the development conmunity. We’d probably be better...
by Kenkat
Sun Jan 06, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 7778

Re: United, American Airlines, Delta--about the same?

Delta mainly uses a red and blue color logo, while United goes with blue and white and American with red, white and blue. Other than that, I haven’t seen too much of a difference although I fly American the least. After cost, I spend more time looking at the specific planes on each route than the ai...
by Kenkat
Sun Jan 06, 2019 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Should I bother with 529s?
Replies: 36
Views: 2712

Re: Should I bother with 529s?

As long as you don’t phase out of the AOTC due to income limits (I unfortunately don’t have that issue!), a good strategy is to make sure you pay the first $4000 of tuition and fees out of pocket and fund a 529 to make up some or all of the difference. The state tax deduction alone is usually a good...
by Kenkat
Sun Jan 06, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: How often do you deep clean?
Replies: 52
Views: 2386

Re: How often do you deep clean?

We keep a fairly clean house compared to many I see, but we do not take it to this level. If someone else is willing to do the work and as long as you are not throwing out high value stuff, I don’t see a problem if you partner wants to do it.
by Kenkat
Sun Jan 06, 2019 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Meijer Retirement 401K plan
Replies: 22
Views: 1089

Re: Meijer Retirement 401K plan

Vanguard 2060 is a solid fund with low expenses. It will be an aggressive fund, with mostly equities, given the long time frame. If that feels too aggressive, there’s nothing wrong with using a different target date fund if available. I think the -20% return shown is a function of investing the majo...
by Kenkat
Sat Jan 05, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: Windows 10 / Office 2019 headache
Replies: 24
Views: 1584

Re: Windows 10 / Office 2019 headache

If you are still running Windows 7, it will be out of extended support in about a year (Jan. 14, 2020). So it’s only a matter of time before you will either have to jump to Windows 10 or switch to something like Mac or Linux. I personally like Windows 10 a lot and haven’t had any issues with it. May...
by Kenkat
Fri Jan 04, 2019 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Two years from retirement - what's more important?
Replies: 57
Views: 2603

Re: Two years from retirement - what's more important?

Carol, my only concern with your plan is not getting enough return to maintain portfolio value. Will you have a pension? What will be your initial withdrawal rate? There really are no perfect strategies when it comes to investing because every decision involves some sort of compromise. An allocatio...
by Kenkat
Fri Jan 04, 2019 2:52 pm
Forum: Investing - Theory, News & General
Topic: US Stock Market Returns in the 21st Century
Replies: 92
Views: 4382

Re: US Stock Market Returns in the 21st Century

I don’t think 3% real is all that terrible from what was a relatively high market at the time. Especially given some of the dire warnings of zero percent real at the time. Looking through some of the other data in the report, the US equity market returned -8% real from 1905-1920. How would you like ...
by Kenkat
Thu Jan 03, 2019 7:13 pm
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 177
Views: 9289

Re: Which Compact SUV Should I Buy?

I’d get a Sumitomo HTR A/S P02. In fact, get 4 of them since it’s a tire. Not knowing the exact specs on your car, I looked up 18 inch tires for your XC60 (they were also made with 17s and 19s) on Tire Rack, picked the Best Seller and you can get 4 shipped for $450. Add another $100 for installation...
by Kenkat
Tue Jan 01, 2019 9:51 pm
Forum: Investing - Theory, News & General
Topic: Long-Term “Buy & Hold” Crushed Stockholders in Largest Markets Except US & India (article)
Replies: 7
Views: 574

Re: Long-Term “Buy & Hold” Crushed Stockholders in Largest Markets Except US & India (article)

No one ever seems to actually be able to tell you when the peak is though. After the fact, it’s so obvious. Beforehand? Not so much.

Buy and hold is the worst strategy except for all the others.
by Kenkat
Tue Jan 01, 2019 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: ug - seeking medical billing advice for ambulance ride
Replies: 45
Views: 3354

Re: ug - seeking medical billing advice for ambulance ride

Are you a city resident? If you haven’t yet, I would try contacting the city and asking them to waive the additional charge (including any co-pay). My local fire department waived additional charges after insurance after a 911 call and transport to the hospital for my son. On a related note, I don’t...
by Kenkat
Tue Jan 01, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Purchased eBay item, now listing show Out of Stock
Replies: 14
Views: 832

Re: Purchased eBay item, now listing show Out of Stock

Yes, that’s normal. Even unique, one of a kind items will show out of stock when it sells. I buy on eBay fairly frequently and every single item I buy or watch shows “out of stock” once it has sold. I think eBay is trying to give the appearance of a true retailer than an auction site but it looks ki...
by Kenkat
Tue Jan 01, 2019 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone allocating more into International funds this year?
Replies: 28
Views: 1655

Re: Anyone allocating more into International funds this year?

I have switched over my new 401k contributions from an equity standpoint to 100% international since I am below my target allocation.
by Kenkat
Tue Jan 01, 2019 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on Long Term Disability insurance for a Handyman
Replies: 5
Views: 329

Re: Looking for advice on Long Term Disability insurance for a Handyman

Good advice above. Products are available with the features you have outlined as important. You want an “own occupation” policy and a guaranteed increase rider to cover future earnings growth. A good independent insurance agent with experience in disability insurance should be able to help you.
by Kenkat
Mon Dec 31, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Bookshelf speakers under $300
Replies: 81
Views: 3420

Re: Bookshelf speakers under $300

For example, the guitaring in motley crue's girls, girls, girls is muted. You can still hear it, but it's not in the foreground as it was meant to be.
Well if that’s not a deal breaker, I don’t know what is! :D
by Kenkat
Mon Dec 31, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Long term disability - any real world examples of collecting benefits?
Replies: 21
Views: 1350

Re: Long term disability - any real world examples of collecting benefits?

One other thing to account for is that if you are relying on employer paid LTD (which typically pays 60%), those benefits are usually taxable. If you buy a supplemental DI policy, or primary DI if you don’t have an employer paid plan, those benefits are usually non-taxable as long as the premiums we...
by Kenkat
Mon Dec 31, 2018 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA suggestion for 18 year old son
Replies: 9
Views: 395

Re: Roth IRA suggestion for 18 year old son

My 19 year old is using Vanguard LifeStrategy Growth as a starting fund.
by Kenkat
Sun Dec 30, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Career Switch Pt. 2 (IT > Fire Fighter)
Replies: 19
Views: 2027

Re: Career Switch Pt. 2 (IT > Fire Fighter)

My nephew is a Firefighter/EMT. He went through training and started working part time at two different departments while gaining experience before he finally got on full time at CVG / Greater Cincinnati Intl Airport (this is a good job in his field). Most of the firefighting portion of the job is t...