Search found 6137 matches

by Kenkat
Tue May 26, 2020 2:32 pm
Forum: Personal Consumer Issues
Topic: Landscape Edger
Replies: 7
Views: 342

Re: Landscape Edger

This is what I have: https://www.stihlusa.com/products/multi-task-tools/kombisystem-attachments/ I have the Straight Lawn Edger and the Line Head Trimmer attachments. I see there is also a Bed Redefiner. I have a KM90R head unit which is commercial grade (and awesome) but they also have electric as ...
by Kenkat
Tue May 26, 2020 11:56 am
Forum: Personal Consumer Issues
Topic: Develop scotch/wine palate quickly and effectively
Replies: 25
Views: 1741

Re: Develop scotch/wine palate quickly and effectively

I love Beer, Whiskey, and Wine, and tbh I still can't tell the difference between tons of stuff. I know I really like Laphroaig, Bulleit Rye, Lagunitas, and Costco boxed Cabernet. I also know I definitely don't like Glenfiddich, High West, New Belgium beers, and any kind of Rose. I don't pretend to...
by Kenkat
Tue May 26, 2020 9:03 am
Forum: Personal Consumer Issues
Topic: Cross country road trip from MA to Glacier NP and Yellowstone NP
Replies: 41
Views: 1627

Re: Cross country road trip from MA to Glacier NP and Yellowstone NP

This just seems too far to me. You are probably looking at 3 days of 12-14 hours of driving. I can’t imagine doing that three days straight. If you could make it 3 weeks and spend a day between drives at a target destination, maybe it would be more realistic. For example, Day 1 drive to Chicago, Day...
by Kenkat
Mon May 25, 2020 5:53 pm
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 44
Views: 2788

Re: What will you NOT buy online?

Produce. Meat. Plants (although I am rethinking this one). Most landscape supplies - dirt, mulch, fertilizer.
by Kenkat
Mon May 25, 2020 4:42 pm
Forum: Personal Consumer Issues
Topic: Update current laptop or buy new one?
Replies: 26
Views: 1366

Re: Update current laptop or buy new one?

If you are comfortable taking the laptop apart, https://www.youtube.com/watch?v=WldeVVjpRK4 eBay has a new upper and lower case set for $40 - free shipping. This should address the hinge issue. New battery is $15. Add an SSD and for ~$125 and 2-3 hours of your time you will have a renewed laptop, w...
by Kenkat
Mon May 25, 2020 11:42 am
Forum: US Chapters
Topic: MEMORIAL DAY
Replies: 33
Views: 2462

Re: MEMORIAL DAY

Great thanks should be given on this day to our fallen soldiers and their gold star families who carry on. If you have a flag, today is a great day to fly it in remembrance.
by Kenkat
Mon May 25, 2020 11:35 am
Forum: Personal Investments
Topic: Vanguard Total Bond vs Intermediate Tax Exempt
Replies: 10
Views: 1071

Re: Vanguard Total Bond vs Intermediate Tax Exempt

In a situation where the tax-exempt income will not benefit you, I’d think you would be better to switch to a corporate bond fund if you are willing to take on some risk to get higher yields. You aren’t really being compensated fully for the muni risk if you aren’t taking advantage of the tax exempt...
by Kenkat
Sun May 24, 2020 11:13 am
Forum: Personal Consumer Issues
Topic: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!
Replies: 76
Views: 2970

Re: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!

Either drop by a couple of additional dealers or email a couple of additional dealers asking for pricing on the exact car you want. Don’t mention the price from the first dealer; let’s call them dealer A. If you get back prices higher than dealer A, respond to these dealers asking if that’s the best...
by Kenkat
Sun May 24, 2020 11:03 am
Forum: Personal Finance (Not Investing)
Topic: what to do with pension from previous job
Replies: 13
Views: 1023

Re: what to do with pension from previous job

I’d roll it over into a traditional IRA. She has 30+ years to grow it at a rate higher than 4% or t-bills which I think is a reasonably low bar over that time. To much uncertainty with leaving it in the pension plan in my opinion and I would forgo the TJ Maxx 401k (why lock it into that plan?) or th...
by Kenkat
Sun May 24, 2020 9:29 am
Forum: Investing - Theory, News & General
Topic: Do you hold commodities?
Replies: 26
Views: 1562

Re: Do you hold commodities?

Only a fool would hold commodities. Now that we’ve gotten that out of the way, this fool has had a small percentage of my portfolio invested in commodities since 2004; I’m going to hold onto it but I have ceased rebalancing into it at this point after dumping money into the black hole a couple of ti...
by Kenkat
Sun May 24, 2020 9:25 am
Forum: Personal Consumer Issues
Topic: Should I pay $1,600 for this lawn care fix?
Replies: 44
Views: 4312

Re: Should I pay $1,600 for this lawn care fix?

Put less air in the lawn mower tires. Drive lawn mower slower. Problem solved! LOL the lawn mower tires are plastic, no air! But I like this line of thinking... I cut in a different pattern every time which has helped to smooth out ruts that started to develop from repeatedly going over the same ar...
by Kenkat
Sat May 23, 2020 6:48 pm
Forum: Investing - Theory, News & General
Topic: TIAA warns on negative yields on money market funds
Replies: 71
Views: 4747

Re: TIAA warns on negative yields on money market funds

Vanguard MM fund yields never dropped below 0.01% for the years that the federal funds rate lower target was 0%, and short-term Treasury yields were barely above 0%. Again, this lasted for multiple years --anyone can verify by using the Vanguard price history search tool. If anyone cares, I can run...
by Kenkat
Sat May 23, 2020 1:05 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 118
Views: 9147

Re: Personal spending out of control after Covid-19

You Need A Budget. Not the software, you need an actual budget. Set spending limits and when the money is spent for the month, that’s it. Eat noodle bowls, drink water, whatever.
by Kenkat
Sat May 23, 2020 12:59 pm
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 61
Views: 4384

Re: NJ property taxes too high. What are my alternative states?

1. How far do you want to drive? Get a compass and draw a circle. 2. Are you sure your taxes will go down just because you downsize? I suspect you will need to downGRADE also if you want to cut taxes. Alaska is really good if you don’t mind a really big circle. A little closer to home, maybe Delawa...
by Kenkat
Sat May 23, 2020 12:42 pm
Forum: Investing - Theory, News & General
Topic: TIAA warns on negative yields on money market funds
Replies: 71
Views: 4747

Re: TIAA warns on negative yields on money market funds

Wonder what Vanguard is going to do? I'm not waiting to find out. I believe in 2008-09, Vanguard also had a fee waiver in place for their money market funds. true. but based on current yield curves, we may be in this period of low interest rates for longer. and its possible rates will go negative. ...
by Kenkat
Sat May 23, 2020 9:18 am
Forum: Investing - Theory, News & General
Topic: REITs in a world of WFH + social distancing
Replies: 27
Views: 1959

Re: REITs in a world of WFH + social distancing

Another factor to consider - while more people will work from home, for the remaining people that do need to be in an office type setting, they will require a lot more space than previously, due to distancing requirements. So it remains to be seen what the overall impact will be.
by Kenkat
Sat May 23, 2020 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 45
Views: 4662

Re: Something Fishy Here?? [CARES payment received via prepaid Visa]

Even the federal government doesn’t use checks anymore.
by Kenkat
Sat May 23, 2020 9:11 am
Forum: Personal Consumer Issues
Topic: 2016 Honda Civic Air Conditioning issues
Replies: 4
Views: 284

Re: 2016 Honda Civic Air Conditioning issues

I’d grab the $250 deal but would write a follow-up letter to Honda telling them how disappointed you were, how you had always had so a good experience with Honda vehicles, etc. Maybe they will cover the rest of it.
by Kenkat
Sat May 23, 2020 9:04 am
Forum: Investing - Theory, News & General
Topic: TIAA warns on negative yields on money market funds
Replies: 71
Views: 4747

Re: TIAA warns on negative yields on money market funds

CULater wrote:
Fri May 22, 2020 9:37 pm
Wonder what Vanguard is going to do? I'm not waiting to find out.
I believe in 2008-09, Vanguard also had a fee waiver in place for their money market funds.
by Kenkat
Fri May 22, 2020 6:44 pm
Forum: Personal Consumer Issues
Topic: Blown Power Amplifier: Repair or Replace? [resolved]
Replies: 39
Views: 1769

Re: Blown Power Amplifier: Repair or Replace?

iceport wrote:
Fri May 22, 2020 5:57 pm
I don't know why I get all sentimental about a household appliance like this.
Because there is just something inherently cool about vintage electronics / audio equipment; I completely get it.
by Kenkat
Fri May 22, 2020 10:30 am
Forum: Personal Consumer Issues
Topic: Discarding Music CDs
Replies: 97
Views: 6305

Re: Discarding Music CDs

hear it digitally in as good a quality as the CD? Wow, you do realize CD quality is a pretty low bar you would ever want to subject your ears to interpret sound waves to. Though, I suppose the CD has an advantage in that you won't hear pops and crackles on a poorly maintained LP, CD quality is pret...
by Kenkat
Fri May 22, 2020 10:26 am
Forum: Personal Consumer Issues
Topic: Discarding Music CDs
Replies: 97
Views: 6305

Re: Discarding Music CDs

hear it digitally in as good a quality as the CD? Wow, you do realize CD quality is a pretty low bar you would ever want to subject your ears to interpret sound waves to. Though, I suppose the CD has an advantage in that you won't hear pops and crackles on a poorly maintained LP, CD quality is pret...
by Kenkat
Fri May 22, 2020 10:15 am
Forum: Personal Consumer Issues
Topic: Access to cabin blower fan for 2003 Ford Ranger
Replies: 7
Views: 328

Re: Access to cabin blower fan for 2003 Ford Ranger

There's a ton of YouTube videos available on getting to the blower fan if you Google "2003 ford ranger blower motor" Those might help determine how you want to proceed. And it looks like it’s a real pain - it’s under the hood in the back left corner as you face the car and you can’t really get it o...
by Kenkat
Fri May 22, 2020 8:32 am
Forum: Personal Consumer Issues
Topic: what to do about 1000s of dandelions/weeds?
Replies: 55
Views: 4064

Re: what to do about 1000s of dandelions/weeds?

thanks for all the thoughtful replies! My wife plans to spend an hour or two a day in certain parts of the yard trying to get the weeds under control. let's see how that goes, it seems to me like a crazy amount of work for something we don't care too much about. We do have a couple of gardens on th...
by Kenkat
Thu May 21, 2020 6:06 pm
Forum: Personal Consumer Issues
Topic: Access to cabin blower fan for 2003 Ford Ranger
Replies: 7
Views: 328

Re: Access to cabin blower fan for 2003 Ford Ranger

There's a ton of YouTube videos available on getting to the blower fan if you Google "2003 ford ranger blower motor" Those might help determine how you want to proceed. And it looks like it’s a real pain - it’s under the hood in the back left corner as you face the car and you can’t really get it o...
by Kenkat
Thu May 21, 2020 10:31 am
Forum: Personal Consumer Issues
Topic: Junipers Growing Very Slowly
Replies: 8
Views: 566

Re: Junipers Growing Very Slowly

There’s an old saying: in the first year they sleep, in the second year they creep and in the third year they leap I live in Mid-Atlantic. Mild climate but hot summers. Common mistakes around here: Planting in the spring Failing to water in dry winters (roots grow and plants continue to transpire i...
by Kenkat
Thu May 21, 2020 10:19 am
Forum: Personal Consumer Issues
Topic: what to do about 1000s of dandelions/weeds?
Replies: 55
Views: 4064

Re: what to do about 1000s of dandelions/weeds?

Pesticides kill insects; herbicides kill plants. If you don’t want to use herbicides and don’t really care about the dandelions, then just don’t worry about them. If you want to clear out the dandelions, you can apply either a granular weed killer (these often come with fertilizer aka weed and feed...
by Kenkat
Thu May 21, 2020 9:33 am
Forum: Personal Consumer Issues
Topic: Junipers Growing Very Slowly
Replies: 8
Views: 566

Re: Junipers Growing Very Slowly

I find that new trees have slow growth the first couple of years. The bigger they are when planted, the slower they grow because the root systems are recovering from transplant shock. I don't feed the first year but water deeply once every 7-10 days if it doesn't rain. Starting in year 2, I start t...
by Kenkat
Wed May 20, 2020 8:25 pm
Forum: Personal Investments
Topic: View ETF Returns for 1 week / month
Replies: 8
Views: 346

Re: View ETF Returns for 1 week / month

Morningstar is close - just missing the 6 month:

https://www.morningstar.com/etfs/arcx/edv/performance
by Kenkat
Wed May 20, 2020 8:22 pm
Forum: Personal Consumer Issues
Topic: what to do about 1000s of dandelions/weeds?
Replies: 55
Views: 4064

Re: what to do about 1000s of dandelions/weeds?

iamlucky13 wrote:
Wed May 20, 2020 7:57 pm
Kenkat wrote:
Wed May 20, 2020 7:53 pm
Pesticides kill insects; herbicides kill plants.
Pesticides kill pests.

Herbicides are a subset of pesticides that kills plants.

Insecticides are a subset of pesticides that kills insects.
Well then it looks like it’s time for dandelion wine.
by Kenkat
Wed May 20, 2020 7:53 pm
Forum: Personal Consumer Issues
Topic: what to do about 1000s of dandelions/weeds?
Replies: 55
Views: 4064

Re: what to do about 1000s of dandelions/weeds?

Pesticides kill insects; herbicides kill plants. If you don’t want to use herbicides and don’t really care about the dandelions, then just don’t worry about them. If you want to clear out the dandelions, you can apply either a granular weed killer (these often come with fertilizer aka weed and feed)...
by Kenkat
Wed May 20, 2020 5:24 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 463
Views: 15991

Re: Bird watchers – what birds are you seeing?

It was a good birding day at the park / woods today. First off, we caught a Pileated Woodpecker going to town on a fallen tree on the ground. We were trying to pass him on the path without disturbing him and got to within about 10 feet before he took off. Secondly we saw what I think was either a Bl...
by Kenkat
Tue May 19, 2020 7:17 pm
Forum: Personal Consumer Issues
Topic: Discarding Music CDs
Replies: 97
Views: 6305

Re: Discarding Music CDs

If you can store them away somewhere in some unused place, why not. I still have my old 45's stored away from the 60's, :D Haven't opened the box in over 30 yrs. They haven't gotten in the way yet. I agree. But then I still have all of my vinyl albums from high school, along with my original and st...
by Kenkat
Tue May 19, 2020 7:11 pm
Forum: Personal Consumer Issues
Topic: Discarding Music CDs
Replies: 97
Views: 6305

Re: Discarding Music CDs

hear it digitally in as good a quality as the CD? Wow, you do realize CD quality is a pretty low bar you would ever want to subject your ears to interpret sound waves to. Though, I suppose the CD has an advantage in that you won't hear pops and crackles on a poorly maintained LP, CD quality is pret...
by Kenkat
Tue May 19, 2020 4:31 pm
Forum: Personal Consumer Issues
Topic: Do you give mechanics 2nd (3rd) chances?
Replies: 22
Views: 1607

Re: Do you give mechanics 2nd (3rd) chances?

If you can’t:

1) trust that they won’t recommend work that isn’t needed
2) trust that they will do needed repairs correctly

I’d find someone new.
by Kenkat
Tue May 19, 2020 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Central Indiana: Reasonable Cost?
Replies: 16
Views: 1206

Re: Central Indiana: Reasonable Cost?

It’s hard to say for sure - it doesn’t sound crazy high, but it may be on the high side. Just for comparison, we recently put a 1/2 bath in our basement (Dec. 2019). The size was roughly the same as yours, around 6x8 or so. I am also in the midwest, not that far from you. Our contractor cost was $42...
by Kenkat
Mon May 18, 2020 8:35 pm
Forum: Investing - Theory, News & General
Topic: Social Security is an asset....yet again
Replies: 129
Views: 5689

Re: Social Security is an asset....yet again

JMitchell2020 wrote:
Mon May 18, 2020 6:45 pm
It’s a delicious dessert topping.
Come on, it’s obvious it’s a floor wax.
by Kenkat
Mon May 18, 2020 6:36 pm
Forum: Investing - Theory, News & General
Topic: Social Security is an asset....yet again
Replies: 129
Views: 5689

Re: Social Security is an asset....yet again

I prefer to think of social security as an income stream, just like I think of my job is an income stream. Is my job an asset? I don’t think of it that way, nor do I think of social security that way. That said, I am in the camp that it is not patently obvious which it is, heated argument or not. Fe...
by Kenkat
Mon May 18, 2020 1:38 pm
Forum: Investing - Theory, News & General
Topic: Wall Street says stocks are very overvalued
Replies: 45
Views: 3862

Re: Wall Street says stocks are very overvalued

C: I am writing an article about the market being overvalued and I found some wall street investors who agree with me Is it overvalued? It could be, but there are enough people who don’t think that it is that are willing to invest at current prices. Whether that is a good idea (it’s not overvalued) ...
by Kenkat
Sun May 17, 2020 1:56 pm
Forum: Personal Consumer Issues
Topic: Lexus 2018 recall
Replies: 16
Views: 1104

Re: Lexus 2018 recall

Glad this was resolved quickly and to your satisfaction. I would imagine Lexus and this dealer have earned a return visit someday when you need a new car.
by Kenkat
Sun May 17, 2020 12:33 pm
Forum: Personal Investments
Topic: Beneficiary for brokerage account—why?
Replies: 13
Views: 900

Re: Beneficiary for brokerage account—why?

Yes, you are wrong on this - beneficiary designations will come before the will regardless of type of account. Kenkat, Wow, I didn’t know this. I’m going to get on that right away. Thank you very much! Sincerely, Yules Yes, glad to help. We recently re-did wills, etc. and I learned that while many ...
by Kenkat
Sun May 17, 2020 12:25 pm
Forum: Personal Investments
Topic: Borderline personality disorder and investing
Replies: 16
Views: 1914

Re: Borderline personality disorder and investing

I don’t see why the thread should be locked if we keep it away from medical advice and towards investing. First off, I’d stop kicking yourself about not investing in the past. The past is gone; there’s nothing there for you except the lessons learned. Secondly, given your situation, you might consid...
by Kenkat
Sun May 17, 2020 11:16 am
Forum: Personal Investments
Topic: Beneficiary for brokerage account—why?
Replies: 13
Views: 900

Re: Beneficiary for brokerage account—why?

Yes, you are wrong on this - beneficiary designations will come before the will regardless of type of account.
by Kenkat
Sun May 17, 2020 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Pay off Tesla as Planned or Keep Cash for Covid Uncertainty?
Replies: 62
Views: 3726

Re: Pay off Tesla as Planned or Keep Cash for Covid Uncertainty?

There are two questions that have been raised here. #1 is should you pay off the 3.9% loan? You’d save around $110/mo. initially in interest but given the current uncertainty, I’d keep your emergency fund and not pay off the loan. Liquidity seems important right now, if only for peace of mind. The ...
by Kenkat
Sun May 17, 2020 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Pay off Tesla as Planned or Keep Cash for Covid Uncertainty?
Replies: 62
Views: 3726

Re: Pay off Tesla as Planned or Keep Cash for Covid Uncertainty?

There are two questions that have been raised here. #1 is should you pay off the 3.9% loan? You’d save around $110/mo. initially in interest but given the current uncertainty, I’d keep your emergency fund and not pay off the loan. Liquidity seems important right now, if only for peace of mind. The s...
by Kenkat
Sat May 16, 2020 4:46 pm
Forum: Personal Consumer Issues
Topic: Weber Grill Will Not Light - Help
Replies: 34
Views: 1635

Re: Weber Grill Will Not Light - Help

I always manually light my Weber gas grill. There is a little hole in the front about 1 x 1/2 inches into which you can put a long match or extended lighter. Just turn the gas on for the first burner and then place the match or lighter. Once it lights, turn the others burners on and they should sel...
by Kenkat
Sat May 16, 2020 3:47 pm
Forum: Personal Consumer Issues
Topic: Weber Grill Will Not Light - Help
Replies: 34
Views: 1635

Re: Weber Grill Will Not Light - Help

If you can’t find the manual light hole as described above, get one of those stick type lighters, open the grill and stick it down into the grill as close to the burners as you can get it. Turn on the burners and light the lighter. If the grill lights, you probably need a new igniter - the actual pa...
by Kenkat
Sat May 16, 2020 3:13 pm
Forum: Personal Consumer Issues
Topic: Are Ebay's promoted listings a scam?
Replies: 6
Views: 563

Re: Are Ebay's promoted listings a scam?

Why would it be a scam? Ebay makes your listings appear higher in the search results and you pay a higher final value fee. It shouldn’t matter how the customer got there - you are getting exactly what you paid extra for. Now, if you are asking “are Ebay’s promoted listings worth it?”, that’s a diffe...
by Kenkat
Sat May 16, 2020 11:13 am
Forum: Non-US Investing
Topic: The Mighty USD
Replies: 47
Views: 3336

Re: The Mighty USD

I expect the US dollar to weaken in the years ahead. According to the Big Mac Index, nearly every currency is undervalued against the US dollar. This doesn't happen very often. Does this index take into account buy one get one free offers or discounts available on Big Macs in the McDonald’s app? Th...
by Kenkat
Sat May 16, 2020 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Self-Transferring Real Estate into Revocable Trusts
Replies: 3
Views: 240

Re: Self-Transferring Real Estate into Revocable Trusts

Our attorney handled all of this for us for a nominal fee - $75 I believe. They gave us the form to sign and then took care of filing it with the county recorder’s office. Might be worth checking to see if they will just handle it for you.