Search found 3888 matches

by Kenkat
Sat Feb 17, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 4827

Re: Best plants to grow to save money for food costs

Easiest for me to grow has been tomatoes, cucumbers, zucchini, bell peppers, jalapeños and banana peppers. They are almost guaranteed to produce fruit with just a little care in my experience. I have had decent luck with broccoli, cilantro, and corn. But this is a little spotty - sometimes it’s good...
by Kenkat
Wed Feb 14, 2018 9:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262540

Re: U.S. stocks in freefall

RRAAYY3 wrote:
Wed Feb 14, 2018 4:34 pm
livesoft wrote:
Wed Feb 14, 2018 4:30 pm
And how about bond funds? What are they up YTD? :twisted:
Not sure - pretty much down over the last 5 years
Total Bond Index is +1.79 annualized over the past five years which is not that bad.
by Kenkat
Sun Feb 11, 2018 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford to move to a lower paying career?
Replies: 53
Views: 4519

Re: Can I afford to move to a lower paying career?

I really think this comes down to whether you want to move from Tennessee to Minnesota or not. You have enough money to make either option work. If you want to stay in Tennessee, you’ve only got two more years. Kick it down a notch at work knowing that it is for a limited time. Or if family and Minn...
by Kenkat
Sat Feb 10, 2018 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: your assets - now verses end of year?
Replies: 38
Views: 2364

Re: your assets - now verses end of year?

My net worth is down $23,200 since the end of last year. My investments are down $16,600 since the end of last year. C’est la vie. College tuition payments explains some of the net worth decline this year. :moneybag
by Kenkat
Sat Feb 10, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund: where is the special sauce?
Replies: 18
Views: 2298

Re: Wellington Fund: where is the special sauce?

The special sauce is low cost and low turnover. Wellington holds more value oriented stocks and relatively longer term bonds. In this particular stock market downturn, value is getting hit harder than growth and interest rates are rising so long bonds are hit harder as well. Vanguard’s comparable in...
by Kenkat
Tue Feb 06, 2018 5:04 pm
Forum: Investing - Theory, News & General
Topic: Where Are The 100% Equity Bulls? BND up .44%
Replies: 47
Views: 4672

Re: Where Are The 100% Equity Bulls? BND up .44%

Fundhunter wrote:
Tue Feb 06, 2018 10:38 am
Kenkat wrote:
Mon Feb 05, 2018 9:35 pm
Total Bond Market Index up 0.47% today. My largest holding.

I still lost the equivalent of a Camry / Accord today :|
Did you sell? If you didn't, then you lost nothing.
No, never deviate from my plan. I am looking at making back at least a Fit or Yaris after today’s bounce back.
by Kenkat
Tue Feb 06, 2018 5:03 pm
Forum: Investing - Theory, News & General
Topic: Where Are The 100% Equity Bulls? BND up .44%
Replies: 47
Views: 4672

Re: Where Are The 100% Equity Bulls? BND up .44%

Total Bond Market Index up 0.47% today. My largest holding. I still lost the equivalent of a Camry / Accord today :| Yeah, but you gained 4 Camry's and Accords last 12 months. And an extra one in January, and that's the one you gave back today. Easy come, easy go. You win some you lose some. If you...
by Kenkat
Mon Feb 05, 2018 9:35 pm
Forum: Investing - Theory, News & General
Topic: Where Are The 100% Equity Bulls? BND up .44%
Replies: 47
Views: 4672

Re: Where Are The 100% Equity Bulls? BND up .44%

Total Bond Market Index up 0.47% today. My largest holding.

I still lost the equivalent of a Camry / Accord today :|
by Kenkat
Sun Feb 04, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Cigar buying help
Replies: 39
Views: 2149

Re: Cigar buying help

Also, be sure to get a nice cigar cutter and some decent wooden matches. Nothing worse than having a nice cigar and no way to get a smooth end cut to enjoy it.
by Kenkat
Sun Feb 04, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Collecting
Replies: 16
Views: 1086

Re: Collecting

I set a budget. For example, I collect coins. I set a budget of $50 / mo. and track my spending against that. If I receive cash gifts at say Christmas or my birthday, I will sometimes add that into the budget as well. I will allow myself to occasionally deficit spend but I eventually stop buying unt...
by Kenkat
Sat Feb 03, 2018 11:57 am
Forum: Investing - Theory, News & General
Topic: Blood in the water- buying?
Replies: 117
Views: 15924

Re: Blood in the water- buying?

This is a paper cut so far.
by Kenkat
Fri Feb 02, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Term insurance premiums: buy now or wait a year or two
Replies: 23
Views: 823

Re: Term insurance premiums: buy now or wait a year or two

I had no health issues either until i had a fairly serious health issue last January (pulmonary embolism) at 52. I was glad that I already had a level term life insurance and disability income policies already in place. Get insurance now while you are still a good insurance risk.
by Kenkat
Tue Jan 30, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: "I Volunteered for the Hospital Board and was Sued for Millions."
Replies: 44
Views: 10325

Re: "I Volunteered for the Hospital Board and was Sued for Millions."

You run similar risk when serving on HOA boards. A good friend of mine was sued for big $$$ personally and as president of the HOA board of directors back when. It took 5 years or so of legal maneuvers to settle the suit and lots of travel for dispositions and other legal issues. It was very costly...
by Kenkat
Sat Jan 27, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: Cigar buying help
Replies: 39
Views: 2149

Re: Cigar buying help

I am not a big cigar guy but for a decent cigar, I like the Romeo Y Julieta 1875. Around $6 each or so for a medium sized cigar (there are many sizes available in the basic line).
by Kenkat
Sat Jan 27, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: How to calculate RMD on inherited inherited IRA
Replies: 5
Views: 270

Re: How to calculate RMD on inherited inherited IRA

I believe you are considered a non-spouse beneficiary and so fall under the following scenario. As a non-spouse beneficiary, you must directly roll over the inherited assets to an Inherited IRA in your own name and use your own age and the IRS Single Life Expectancy Table for calculating the first y...
by Kenkat
Fri Jan 26, 2018 8:50 pm
Forum: Investing - Theory, News & General
Topic: Robert Shiller: Stock Market Like 1928
Replies: 57
Views: 6541

Re: Robert Shiller: Stock Market Like 1928

The optimist thinks this is the best of all possible worlds. The pessimist fears it is true.
— J. Robert Oppenheimer
by Kenkat
Sat Jan 20, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 67
Views: 4570

Re: New Brake Pads

Seems reasonably in line to me.
by Kenkat
Fri Jan 19, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 44
Views: 3005

Re: Telemarketing calls from my own prefix

Yes, I enabled Hiya to block all numbers that start with my area code and my prefix - i.e. xxx-xxx that matches my number. This seems to block most spam calls not otherwise handled. I did just run into a situation a few days ago where it blocked a legit number but I just unblocked it. I find the sen...
by Kenkat
Fri Jan 19, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 44
Views: 3005

Re: Telemarketing calls from my own prefix

I use an app on my phone (Hiya) to block most calls like this that are either not from a caller in my contact list or a verified business number. Every once in a while it will block a legitimate call, but it is right 99% of the time.
by Kenkat
Wed Jan 17, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Car/Motorcycle Jump Starter?
Replies: 17
Views: 802

Re: Car/Motorcycle Jump Starter?

We bought one of these and it jump starts my son’s Monte Carlo that occasionally goes dead for no reason (except it’s a Chevy):

https://www.amazon.com/14000mAh-12-Volt ... 01ERIFR3K/
by Kenkat
Tue Jan 16, 2018 8:03 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets equities went sideways for 50 years 1920-70
Replies: 24
Views: 2164

Re: Emerging Markets equities went sideways for 50 years 1920-70

It can happen, but this is also selecting very specific time periods. For example, if you look at the chart on page 7 of the article, you can also see that the real price return of the S&P 500 (does not include dividends) was close to zero from 1907 to 1981. That’s the S&P 500 and over 70+ years. Bu...
by Kenkat
Tue Jan 16, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 10141

Re: Besides Bogleheads, What Are Your Favorite Forums?

Coin Community: https://www.coincommunity.com/forum/ (coin collectors web forum)
Camaro5: http://www.camaro5.com (5th generation - 2010-2015 - Camaro web forum)
by Kenkat
Mon Jan 15, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Where do you get your auto loans?
Replies: 34
Views: 2203

Re: Where do you get your auto loans?

I use a Heloc for financing cars if I decide that is the best course of action. That will become less attractive now that they will no longer be tax deductible.
by Kenkat
Sun Jan 14, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC below Prime Rate
Replies: 9
Views: 758

Re: HELOC below Prime Rate

I have a Third Federal HELOC (opened last March in Florida) that requires principal AND interest. The HELOC we had at Citibank before that was interest only. Neither of them was below prime, though. It is possible mine works this way also; I don’t have enough on it for the interest due to exceed $1...
by Kenkat
Sun Jan 14, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC below Prime Rate
Replies: 9
Views: 758

Re: HELOC below Prime Rate

I believe mine is a 10 year interest only draw period with a $100 minimum payment, then a 10 year payoff period. When I have used it in the past, I have typically paid it down in about 5 years.

For balances > $50k, the rate is prime - 1.01%.
by Kenkat
Sun Jan 14, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: HELOC below Prime Rate
Replies: 9
Views: 758

Re: HELOC below Prime Rate

Isabelle77 wrote:
Sun Jan 14, 2018 11:44 am
Yes! We just moved ours from Wells Fargo to Third Federal. Prime -0.76%.
I have Third Federal also; same deal. They are not available in all states however.
by Kenkat
Sun Jan 14, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 83
Views: 9123

Re: Aug. 2017 US total eclipse hotel reservations.

Curious how all of the eclipse hoopla turned out... were roads "packed for days" as stated earlier in the thread? It took several hours to go from Gallatin, TN on back roads back to I-65 in southern KY, but it was nearly a clear sail after except for some heavy construction traffic south of Louisvi...
by Kenkat
Sat Jan 13, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: What information should my heirs have just in case
Replies: 12
Views: 691

Re: What information should my heirs have just in case

Financial institution, account number, name account is under, and type of account (example — Vanguard, #123, Mom, IRA). Also add information on any debt and life insurance. If you maintain financial records on a spreadsheet or software like Quicken, I’d make sure they know where to find those recor...
by Kenkat
Sat Jan 13, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Will never not upgrade Business travel again
Replies: 21
Views: 2967

Re: Will never not upgrade Business travel again

I am 6’5”. If you can upgrade for $100, I do not blame you one bit.
by Kenkat
Sat Jan 13, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 8311

Re: Kodakcoin

He swapped some for Bitcoin and Litecoin and sold some off when Bitcoin got to $1000. At the time it was more of a fun hobby; he never really thought any of these cryptos would have gone so high. He still has a modest stash worth several thousand which still blows my mind. Does he regret selling so...
by Kenkat
Fri Jan 12, 2018 8:25 pm
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 8311

Re: Kodakcoin

...A crypto currency key (or a password that allows access to the key) is basically a bearer instrument, like a pile of dollar bills... Just to be clear: bitcoin can be stolen? Bitcoin can even be stolen without your knowledge? If someone gets a copy of your key, they could cash in your bitcoin and...
by Kenkat
Fri Jan 12, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Replacement Suggestions For Microwave Oven
Replies: 22
Views: 1312

Re: Replacement Suggestions For Microwave Oven

I’ve had a few microwaves over the years with lots of features like auto reheat and popcorn or pizza settings. I never used any of these. So when my last expensive microwave bit the dust I bought the cheapest thing I could find. $99 for an over the range microwave. Even had a turntable. It was not b...
by Kenkat
Fri Jan 12, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: RE Tax payment sent in December but posted in Jan
Replies: 9
Views: 648

Re: RE Tax payment sent in December but posted in Jan

Gill wrote:
Fri Jan 12, 2018 11:13 am
Yes, you can. Date of sending the check determines the date when deductible.
Gill
Agree. I mailed my property taxes 12/29 and they posted 1/4. I will be able to deduct them on my 2017 return because the mail date was in 2017. This will save me close to $1000 so very much worth it.
by Kenkat
Fri Jan 12, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Men's MUST iron dress shirt recommendations
Replies: 49
Views: 4104

Re: Men's MUST iron dress shirt recommendations

I wonder if you could find a tailor locally that would either make you a custom shirt with specifically chosen fabric free of additives - or be able to refer you to someone online who could do this.

I know old school tailors are becoming very scarce but they are out there.
by Kenkat
Fri Jan 12, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Insurace-Any (Meaningful) Difference in Policy Coverages?
Replies: 6
Views: 361

Re: Insurace-Any (Meaningful) Difference in Policy Coverages?

You can get whatever coverage needed from most insurers - you really need to compare different policy options to be sure you are getting the coverage needed.

I do agree with the post above that the differentiator is less about coverage but more about the claims experience.
by Kenkat
Fri Jan 12, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: portable chargers for electronic devices
Replies: 35
Views: 1891

Re: portable chargers for electronic devices

I keep a number of the Anker portable USB chargers handy and just purchased 8 more when they were on sale at Lowes several weeks ago. They're very handy, inexpensive and last for a long time. I travel frequently for work and sometimes end up in places that have limited to no power and these are a l...
by Kenkat
Fri Jan 12, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Men's MUST iron dress shirt recommendations
Replies: 49
Views: 4104

Re: Men's MUST iron dress shirt recommendations

I would look for something that is 100% pinpoint cotton. They may be labeled wrinkle free or no iron but my experience is that is a crock - they need to be ironed. I can’t imagine a 100% soft cotton shirt would be irritating but I guess it is possible.
by Kenkat
Thu Jan 11, 2018 9:41 pm
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 8311

Re: Kodakcoin

Believe it or not, my son saw the release of Dogecoin on Reddit back in 2013 and mined 2.7 million Dogecoins with his gaming computer in the first few days. well 2,700,000 X 0.011345 USD = $30,631.50. https://coinmarketcap.com/currencies/dogecoin/ Is he planning on selling it? https://s13.postimg.o...
by Kenkat
Thu Jan 11, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: Cars in college
Replies: 33
Views: 1532

Re: Cars in college

Right now we have 3 vehicles for 4 drivers. Ah, that’s how I got my Camaro. My wife said he’s really gonna need a car for college commuting and work, maybe you should get something else. My youngest son got my 2005 Camry, I got a 2014 CPO at a good price. Only one initial “no” before she said “oh, ...
by Kenkat
Thu Jan 11, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 8311

Re: Kodakcoin

stemikger wrote:
Thu Jan 11, 2018 3:24 pm
Didn't Kodak used to make cameras? LOL

Whatever happened to them? :oops:
They did, but their core business was the film and photo development technology. They tried to transition to digital cameras but too many others were selling the same or better technology.
by Kenkat
Thu Jan 11, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Lease a Silverado 4x4 extended cab for $152 month?
Replies: 23
Views: 2534

Re: Lease a Silverado 4x4 extended cab for $152 month?

Is this a 2017? The fact that everyone is saying get the V8 might be why this thing is still sitting on the lot. There is possibly $8-10k incentive coming from GM to dealer to move this thing, so that might account for the deal. If that is truly the out the door deal, it sounds great if that vehicle...
by Kenkat
Thu Jan 11, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Car accident - was directed to sign release
Replies: 71
Views: 4977

Re: Car accident - was directed to sign release

I wanted to clarify one item, when I stated "medical bills" I meant the total dollar amount billed by the hospital. Not what my copay was or what my medical insurance actually paid. Just an example: Surgery to set broken leg and place metal plate on fibula: Hospital bill $20k << This the number use...
by Kenkat
Wed Jan 10, 2018 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Forget Customer Service--Vanguard has lousy Computers
Replies: 22
Views: 3197

Re: Forget Customer Service--Vanguard has lousy Computers

It’s not the computer’s fault; it is the people who write the software and those that operate the software.

We made the software idiot proof but the company just invented better idiots...
by Kenkat
Wed Jan 10, 2018 9:22 pm
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 8311

Re: Kodakcoin

Actually, Nisi this one's got Kodakcoin beat: http://www.independent.co.uk/news/business/news/bitcoin-latest-updates-dogecoin-value-cryptocurrency-parodyu-internet-meme-billion-a8143261.html Bitcoin latest: Cryptocurrency dogecoin that started as parody now valued at over $1bn Dogecoin was created ...
by Kenkat
Wed Jan 10, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Cars in college
Replies: 33
Views: 1532

Re: Cars in college

Are they driving something now or are the cars shared? I found once my kids got to the college point, they needed a car - although they both commute to local colleges so that does change things. But they also both have jobs that they need to drive to as well.
by Kenkat
Sat Jan 06, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: portable chargers for electronic devices
Replies: 35
Views: 1891

Re: portable chargers for electronic devices

There are battery jump packs that can also double as a high capacity charger for electronic devices. We have something similar to this item: https://www.amazon.com/Beatit-18000mAh-Portable-Starter-Charging/dp/B01MY9FZM4/ref=sr_1_7?s=automotive&ie=UTF8&qid=1515254125&sr=1-7&keywords=car+jumper+batter...
by Kenkat
Fri Jan 05, 2018 7:02 pm
Forum: Personal Consumer Issues
Topic: Sling TV experiences
Replies: 33
Views: 2825

Re: Sling TV experiences

I cut the cable cord recently and have been happy with Sling Orange. I mainly watch local TV and sports (ESPN, etc.), so I put up a simple outdoor HD antenna for the local channels and have been happy overall with Sling. I signed up for a promo and got a free Roku streaming stick if I signed up for ...
by Kenkat
Fri Jan 05, 2018 6:54 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 145
Views: 6083

Re: Misuse of adverse

I'd like to point out that it's probably best to avoid a deep-seeded reaction to misspelled words. I could care less if there's a typo and I know I'm not a shoe-in to spell everything perfectly. Don't read with baited breath looking for typos that wet your appetite to hit the report button. They ar...