Bogleheads.org

Kenkat

You can do a TOD on a Vanguard non-retirement account and can designate a primary as well as secondary beneficiaries. One big downside to Vanguard TOD is that you cannot have a TOD on a joint account. Most other companies allow this to cover situations where both joint owners are deceased within a c...

Kenkat

Well hopefully he will be on a later flight this evening and home tonight. Air travel can be an adventure for many reasons but eventually you make it to your destination.

Kenkat

Personal opinion here but the announcement of the flight / gate / boarding is a courtesy. I always make a point to find my flight on one of the Departure boards, check the gate and go to the gate and confirm that is indeed my flight. I don’t fly American often but you can also use apps to get this i...

Kenkat

Well to the extent that rates have already gone up, you’ve already felt the pain of that. Looking at my portfolio: Total Bond Index YTD -2.92 IT Municipal YTD -1.11 Less than pleasant but not a blood bath either. The question then becomes “where do rates go from here”? I do not know the answer to th...

Kenkat

In looking into why exactly did the results come out the way they did, I experimented a little with the model. Instead of using the Year to Year model starting in Jan. 2008 and ending in Dec. 2009, I used the Month to Month model starting in Oct. 2008 and ending in Dec. 2009. My rationale - I am slo...

Kenkat

I’d also discuss this with your mail carrier just so he / she is aware there is a potential issue as well.

Kenkat

Don't buy a v6 mustang, camaro, or charger/challenger. Aside from being boring to drive, it will be completely worthless in a few years where as the v8 version should retain value pretty well. Besides, everyone laughs at the guy driving a v6 camaro/mustang. Hahaha, so true! You guys are wrong. I th...

Kenkat

We used a company called Home Instead for my mother and father in law. They were good overall; some caregivers were better than others and / or just a better fit, but you could request the same caregiver if you found one you really liked and they would try to accommodate the request.

Kenkat

89 and looking fine! Happy Birthday, thanks for all you do!

Ken

Kenkat

What I would not do is settle for something short of what I really wanted or reach for something I could not afford. I would choose to defer that luxury until I didn't have to ask about "boglehead muscle cars" and could get what I wanted. Good luck in your search! I suspect the OP would consider an...

Kenkat

1 Dad and son: seek estate attorney: legal counsel. 2 Draw up trust with provisions that define and express dad's wishes to the letter. 3 Successor trustee / executor: (you) follows trust provisions to the letter. #1-#3 minimizes conflict, drama, etc. j Agree this is the best way. Your dad is basic...

Kenkat

I saw a shuttle launch many years ago and even from a decent distance, it was an experience I won’t ever forget. Worth the effort for sure.

Kenkat

Sounds like you are already on your way to the Roth IRA route which is a good decision in this case. My son recently got a job part time while he is in college with a large health care provider in town. He was also eligible for the 401k. My initial thought was great, get into that and invest enough ...

Kenkat

Lenovo Yoga line has some nice laptops / 3 in 1s at attractive price points.

Kenkat

I don’t think it is a complete waste of money; however, I think of it as similar to the green energy you can buy from some electric suppliers - for example, a utility might offer 100% renewable energy at a given rate per kwh. These too are funded with credits. The electricity you are personally usin...

Kenkat

Long Term Care or Accelerated Death Benefit riders on life insurance policies are other options to stand alone long term care policies. Not saying these are good (or bad) but just be aware of that option as well. Basically it is a form of viatical settlement built into the life insurance policy itse...

Kenkat

Just reading somewhere that granite is out. They've been saying the same thing about stainless appliances for at least a decade. I do agree that certain builder grade granite's like the black flaky stuff will definitely go or is already out of style but not nice looking veined granite that is super...

Kenkat

Home Depot has an estimator online:

https://hdapps.homedepot.com/CtopEstima ... index.html#/

Kenkat

I am from Cincinnati but worked just off base at Wright-Pat. You can probably get by on all-season tires in Dayton unless you have a job where you are absolutely required to be at a specific place at a specific time no matter the weather. Then maybe snow tires would make sense. In terms of places to...

Kenkat

I am surprised by the overall lack of love for surround sound systems. My wife and I watched Baby Driver (action movie) last night in 5.1 surround and it makes a big difference - it’s like watching it in a theatre. Still have the song Hocus Pocus running through my head today.

Kenkat

This doesn’t help this particular situation but I keep checks I mobile deposit until I see them post to my account and on my monthly statement. Can you contact the original party who issued the check to you to see if they have a record of it being cashed?

Kenkat

FiveK wrote: ↑
Sat May 05, 2018 3:49 pm
And then there is some forum software (e.g., this one's) that strips extra spaces so no matter how many you type, the reader sees only one. Like this.

That is browser-based functionality, not something this forum does.

Kenkat

Do you enjoy a little errand now and again? You know, get in the car, wind down the windows and run to Home Depot to pick up your item and maybe see the sights a little as well? Or is strictly a utilitarian thing, going to the store is a chore and a bore? If the former, go take a drive. If the latte...

Kenkat

My EFs. --1st-tier, 1yr EFs (cc, checking, savings, mmkt) earning 2%/yr tax-free because money is fungible. (Above link will teach you how to do it.) --2nd-tier EFs are appropriate double-duty bond funds in taxable earning the market rate. (A review of your total financial situation will help you i...

Kenkat

I am assuming buying a Corvette is off the table, so maybe consider an intermediate term municipal, corporate or bond index fund as a “second tier” emergency fund.

Kenkat

Short day trips from Asheville for hiking/outdoors:

Linville Falls trail off the Blue Ridge Parkway
Chimney Rock State Park and Lake Lure

Kenkat

This is a question that does not really have an answer. I have owned Vanguard Primecap (the original fund) since 1998. It has been an excellent performer, low turnover and its expense ratio is only slightly higher than typical index funds. Whether the excellent performance continues in the future? T...

Kenkat

I have a predecessor model of the receiver - Yamaha RX-V381 and am very happy with it. It will also adjust for your room dynamics and for my set up made a noticeable difference. Speakers are better if you can hear them in person but in general agree that the name brand electronic speakers are usuall...

Kenkat

Subaru sells OEM paint touch up pens - I’ve had good luck with the GM version of these. With a little practice, you can make a major improvement to scratches such as you describe.

Kenkat

I've used https://www.repairclinic.com/ for appliance parts several times. It's worth check to see if they have it. I second this site. They had the parts I needed and good instructions on how to replace the parts in the past. A third + on repair clinic. See if you can find a pdf of the owner manua...

Kenkat

It is simply a function of how long the fund has been in existence and how much in unrealized gains is included in the share price. You are in effect buying exactly the same thing, it is just that the Vanguard fund has been around longer. There is a similar dynamic between investor shares of Vanguar...

Kenkat

carsdirect.com is another buying site that will give you a price without requiring sign up. A 2018 Camry XLE with panoramic roof is going for about $2000 off MSRP or $500 above invoice in my area. Since the site is getting some compensation, you could probably buy one for closer to invoice if you ne...

Kenkat

Just one more anecdotal piece of data from a similar timeframe. When I graduated from college in 1987, I made enough the first four months I was working to pay for 4 years of tuition at the State U I attended. Based on current tuition, the numbers I have seen for current graduates based on starting ...

Kenkat

When I was a newlywed 40 years ago, my then-wife always set the clock radio to an FM station that played the William Tell Overture every weekday morning at 6:00am. Much more effective wakeup music than Mozart string quartets. Depends on how you want to wake up I guess. Seems to jolting to me, I’m m...

Kenkat

I would wait to receive your refund and then file a 1040X. You probably won’t have to pay a penalty.

Kenkat

I have stayed at Caesar’s Palace, The Venetian and MGM Grand and was happy with all 3. Other hotels I’d look at if I return would be Bellagio, Paris and Cosmopolitan. As suggested above, I’d avoid the super discount hotels. You go to Vegas for the Vegas experience and it’s worth a couple of hundred ...

Kenkat

I input and categorize everything in Quicken. I try to allocate everything to a category although I do have a miscellaneous bucket for a few items that don’t fit other categories. I also allocate expenses at a total level - i.e., anything from Wal-Mart or Target goes into the Household line, everyt...

Kenkat

I’ve been factor investing since 2000, so while value and small has indeed underperformed recently, over my time period it has done very well, so I don’t think a few bad years means factor investing is dead. In fact, when people start thinking factor investing is dead, I suspect the opposite.

Kenkat

In terms of slight differences in model numbers, my experience is that the base TV unit is the same but the accessories may vary. For example, it might have a slightly different stand or the remote might be different. I know the last Samsung I bought had this funky minimalist remote while a differen...

Kenkat

It’s a great planning tool but a relatively poor execution strategy. I think it gives you a good idea of roughly how much you need to plan on saving to fund retirement income. When the time comes to actually fund that retirement? That’s a different animal.

Kenkat

I input and categorize everything in Quicken. I try to allocate everything to a category although I do have a miscellaneous bucket for a few items that don’t fit other categories. I also allocate expenses at a total level - i.e., anything from Wal-Mart or Target goes into the Household line, everyth...

Kenkat

I started my pepper seeds in early March. The jalapeno's are growing nicely. The bell peppers are not far behind. I'm in NE Illinois and like the market, the weather has been up and down. Snow possible tonight and tomorrow......groan..... What are doing to deter gophers? They can be reasonable crea...

Kenkat

Publically picket in front of business B.

Put a big sign in your yard saying “don’t patronize business B. They don’t even take care of their fence.”

Buy a big broken down camper and park it in front of business B.

Go to every township meeting and ask about the fence.

Kenkat

If you get a state tax deduction it makes sense to utilize the 529 to some extent. Keep in mind you will want to leave $4,000 per year per student outside the 529 so you can reap the education tax credits. Also your $100K per year ($50K per child per year) might be high, the current national averag...

Kenkat

Somebody probably made a typo on an email similar to yours and it just went to the wrong Paypal account as a payment request.

Kenkat

When the child asks you for things, tell them to ask grandma and grandpa because the money train doesn’t make a stop at our house...

Kenkat

I agree with Iliketoridemybike. You are assuming bidders on eBay are rational and logical. I can assure you they most certainly are not. I typically use 7 day auctions with a starting bid of around 25-30% of value, a buy it now that is slightly below the mid-point of recent sales, and let it fly. 80...

Kenkat

Like a good bit of the country, the weather in St. Louis has been pretty crazy this year. Drenching rains, "bunny hopping" temperatures, etc. It's been cold this weekend, maybe snow showers this evening. Next weekend in the 70s. In spite of that, gardening must push on! I put in pea seeds in early ...

Kenkat

I started my pepper seeds in early March. The jalapeno's are growing nicely. The bell peppers are not far behind. I'm in NE Illinois and like the market, the weather has been up and down. Snow possible tonight and tomorrow......groan..... Are you growing seedlings inside? I usually don’t plant unti...

Kenkat

If you can do a fresh install of Windows 10, that would alleviate concerns of something being on the computer from the past. Even if you don’t have a Windows Install disk, many computers have an install partition on the hard drive that you can restore from. I would be careful if this computer was or...

Search found 4015 matches