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Kenkat

I’d also kill the cable part of cable/internet. Get an HD antenna and just watch over the air TV or stream things for free. You’d be surprised how much you can watch for free. For example, I’m watching Monday Noght Football on my iPad on the NFL app for free tonight.

Kenkat

Great Lakes Dortmunder Gold is very very good and the brewery is based out of Cleveland, OH. I would make a joke about Cleveland sports teams here but my glass house is not looking very rock proof at the moment...

Kenkat

Yes, they are maintenance, but part of them certifying the car is making sure things are not at the end of their life like tires and brakes, they are supposed to be checked and fixed if they are not in an acceptable range of wear and tear. You've driven the car for SIX MONTHS! The brakes very well ...

Kenkat

Brakes pads and rotors are "wear items" that are not even covered under the bumper-to-bumper warranties on new cars, let alone used ones. So your entire story doesn't make a lot of sense to me. Yes, they are maintenance, but part of them certifying the car is making sure things are not at the end o...

Kenkat

What year is the vehicle? What was the problem with it?

Kenkat

What I have found is that once your portfolio gets to a certain level, incremental savings doesn’t make a lot of difference. I have had single days where my portfolio goes up or down more than my entire 401k contribution for the year. Last year, my investments increased by more than my entire salary...

Kenkat

I’d probably sell the Buick and pick up the Odyssey. The Buick is 10 years old which is the point where I tend to look to sell most vehicles that are regularly driven. I have kept cars longer, but when they hit 12+ years, they are pretty dated in terms of technology and small things and big things a...

Kenkat

I have not had any billing or service issues with United Healthcare; they have paid claims quickly and medical providers have always seemed to accept the amount paid by the plan. The UHC website is also easy to use. That said, I am sure either plan is probably going to be ok under most circumstances.

Kenkat

I’ve had “United Healthcare Choice Plus HSA” HDHP through my employer for several years and it seems almost every doctor is in network in my area at least. I can’t remember if I have ever had a situation where the selected medical facility or professional was not in network.

Kenkat

There is a distinction between premium required and premium recommended. The vast majority of modern cars will run on regular fuel, so while premium is recommended, it is typically not required. Very few cars actually require premium fuel.

Kenkat

Here’s a few options: 1) Tell your employer that this new work arrangement is not going to work for you and if they can’t make other arrangements, you’re out 2) Channel your inner sloth and just mark time until you are ready to retire; anxiety is self inflicted. Remember this phrase: not my problem ...

Kenkat

Christian Moerlein is a micro-brewery in Cincinnati that makes a number of good German style lagers; some are made to German purity standards. They might be available at your local store. Or if you are ever in town, stop by the Moerlein Lager House and try a few draft lagers made on premise.

Kenkat

Around here, premium (93) is 60 cents a gallon more than regular (87). It’s about a 25% premium for premium.

Kenkat

Automobiles using regular, unleaded gasoline typically, I think, get better mileage and have comparable torque and acceleration in my experience. Oh really, please tell me any cars that use regular, unleaded that can go 0-60 in less than 4.5 seconds? Right. A Mustang GT, for instance, will get you ...

Kenkat

The problem with budgeting home maintenance expenses is that they are extremely variable year to year. There are some years where you may only have expenses of a few hundred dollars and other years where you replace a roof, or an HVAC system or do major painting or other renovation where you can spe...

Kenkat

Rates have been purported to rise for the last 7 years. Now that it has finally happened, after 5 years of it not happening, it becomes news. And still not a major calamity; returns are still positive but just not as high as we’d like. It’s easy to forget that bonds earned interest at a higher rate...

Kenkat

Rates have been purported to rise for the last 7 years. Now that it has finally happened, after 5 years of it not happening, it becomes news. And still not a major calamity; returns are still positive but just not as high as we’d like. It’s easy to forget that bonds earned interest at a higher rate...

Kenkat

Rates have been purported to rise for the last 7 years. Now that it has finally happened, after 5 years of it not happening, it becomes news. And still not a major calamity; returns are still positive but just not as high as we’d like. It’s easy to forget that bonds earned interest at a higher rate ...

Kenkat

They are cheap because supply far outweighs demand. Utilities are already producing energy from alternative sources. Let’s say 15% of energy is being sourced from alternative sources. If we do nothing, we are all reducing the carbon footprint by 15%. If someone wants to use 100% alternative energy, ...

Kenkat

This has been a long running arguement here - active funds bad, index funds good, DFA funds good - but wait, they seem like they are doing some active management. Oh, yes, well, that’s not really active management per se. Ummm, yes it seems like it is. No, it’s not. Yes, it is. Recycle, repeat. It d...

Kenkat

A multi-year guaranteed annuity functions very similarly to a CD. They are offered by insurance companies, so no FDIC guarantee, but can pay a somewhat higher rate than CDs in some cases since insurance companies have very long horizons and can match liabilities to capital over long periods of time....

Kenkat

^ TN Boy Here’s the meat of the AAA article: AAA and the Automobile Club of Southern California’s Automotive Research Center tested new all-season tires and all-season tires worn to 4/32” in wet conditions. Compared to new ones, the worn tires increased stopping distances an average of 87 feet for a...

Kenkat

3/32 or so unless going into winter, then 4-5/32. I have Goodyear ComforTred, Cooper CS4, General Altimax rt43 and Goodyear Eagle Sports on my 4 cars. Michelin tires seem good but seem so expensive compared to other brands. May be worth it as they typically wear great but I usually go with other bra...

Kenkat

Is it an HDMI in or HDMI out? I am guessing it is an HDMI in. So, for the sound bar, that won’t work - you would need the signal going out from the TV, not in. However, I am also guessing there is another format going out from the TV you might be able to use - either digital audio out / optical or R...

Kenkat

My last one was $91.48 A MONTH. The sewer district in metro Cincinnati is spending $2 BILLION with a B dollars to address combined sewer overflows. Combined sewers, where waste and storm run-off all go into the same sewer was a fine idea when we just dumped raw sewage into the Ohio River but now it ...

Kenkat

This is a reply I meant for this thread that I erroneously put in a different thread a couple days ago. Some of you might have already seen it in the other thread... "This is the second thread in the past 2 or 3 weeks where a father or grandfather has given directions of what he wants done with his...

Kenkat

I am confused that your annual income is 320k but your annual take home at 11k per month is only 132k. Where is all this money going? My initial thought was get the three bedroom condo - you can afford it on a $320k income but then I saw the $11k per month which doesn’t seem like it might be enough.

Kenkat

ssquared87 wrote: ↑
Thu Oct 11, 2018 12:29 pm
Lenovo yoga is a great option. The keyboard is great and I prefer that over those add on keyboards you get with the surface.

I will put in a second for Lenovo Yoga. You can pick from several sizes depending on need.

Kenkat

I’d stick it in the safe and forget about it, but as my kids would tell you, I ain’t quite right when it comes to coins.

Kenkat

AOTC is still available - made permanent in 2018:

https://www.irs.gov/credits-deductions/ ... nd-answers

Kenkat

I love the safety features on my new Camry. Auto breaking s a great feature. I’d much prefer auto “braking.” :shock: MY Fiat 850 had the best "auto BREAKING" features of any car I previously owned, followed closely by a 1982 Camaro. I had a 1976 Ford Pinto. Talk about “auto breaking.” Although “aut...

Kenkat

When it’s time to back up the truck, things will look bad enough that you are not going to want to back up the truck. Best answer in the thread. I don't think there were many "back up the truck" threads on the forum in late 2008 and early 2009. Really? I mean you are saying like this thread here ht...

Kenkat

I have a corporate card. We are required to use it for company travel. I do lose out on some perks but it makes expense reporting very easy as everything is integrated.

Kenkat

When it’s time to back up the truck, things will look bad enough that you are not going to want to back up the truck.

If stocks drop around 20%, my rebalance triggers should start flashing.

Kenkat

kenoryan wrote: ↑
Wed Oct 10, 2018 5:37 pm

RickBoglehead wrote: ↑
Wed Oct 10, 2018 5:01 am
It's O_io. 'Nuff said.

Go Blue!

I concur!
Go Blue!

Is there a Division One team in Michigan?

Kenkat

Hmmm, I vaguely remember something like this 10 years ago in October...

Kenkat

Hamburger...yada yada...on sale...yada yada...Warren Buffet...

Kenkat

We use the Spouse 1.0 system. It consists of two components, Wife 1.0 and Husband 1.0. Husband 1.0 is fairly unreliable in the house itself but extends range of the device to cover the garage and yard.

Kenkat

It will be fixed in the next edition of the book which will be required for next year’s class. Oh, and the price of the next edition is $241.55 and your edition has a buyback value of $1.68.

Yes, I have two kids in college.

Kenkat

Normal. Look at it this way - in two months you will have saved $3,000. If you investments are down -1.5%, that’s $45. Your savings will completely overwhelm any investment losses, or gains, when you are first starting out. Savings rate is far more important early in your investing career than retur...

Kenkat

One thing I would be cognizant of is the possibility of the employer freezing the subsidy contribution in the future. As health costs continue to rise, your required contribution would continue to rise as well. My employer technically offers subsidized retiree health insurance but froze the subsidy ...

Kenkat

I think you are letting one bad year in 2018 influence your thinking on this. Look at this fund’s performance year by year over the last 5 years and you see a different perspective. While there are no guarantees, if you plan to hold this fund indefinitely, then the overall expectation would be that ...

Kenkat

I installed this type of shelving all around the garage. Two shelves high starting at 6+ feet above the floor. Some areas have multiple levels of shelving. Will support 100 pounds per linear foot as the support structures are screwed into the studs. Still happy about it 12 years later. Very neat an...

Kenkat

Just to clarify those who don’t know tickers, we are talking Primecap vs. Total Stock Index and International Growth vs. Total International Index. All four of these funds are low cost, low turnover solid choices. When it comes to performance comparisons, cost is critical. These are all low cost. Pr...

Kenkat

Definitely not poison ivy - three leaves and red stems are the main markers. It might be nettle.

Kenkat

I pay around $2,400 / year for my employer sponsored HDHP with around a $7000 family maximum out of pocket. Employer contributes $15,800 per year plus $1,000 HSA contribution.

Kenkat

Bloomberg Barclays U.S. Aggregate Bond Index has lost around 2.5% on a total return basis, so far this year. https://www.marketwatch.com/story/a-20-trillion-bond-index-is-on-track-for-its-second-worst-year-in-history-2018-10-05 -2.5%???!!! It will takes months of interest payments to recover from t...

Kenkat

Bloomberg Barclays U.S. Aggregate Bond Index has lost around 2.5% on a total return basis, so far this year. https://www.marketwatch.com/story/a-20-trillion-bond-index-is-on-track-for-its-second-worst-year-in-history-2018-10-05 -2.5%???!!! It will takes months of interest payments to recover from t...

Kenkat

I personally would wait until Black Friday if you have that option. You can usually save another $100+ per phone is my experience.

Kenkat

I live in Ohio and we recently re-did our wills, POA and healthcare POA documents when our oldest turned 18. We also set up transfer on death directive to a simple stand-by trust for our house and transfer on death or beneficiary designations to our two children for everything else. Total cost was $...

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