Search found 4015 matches

by Kenkat
Sat May 19, 2018 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer on Death Accounts
Replies: 28
Views: 2002

Re: Transfer on Death Accounts

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...
by Kenkat
Fri May 18, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: Registering complaint with American Airlines/American Eagle?
Replies: 25
Views: 1385

Re: Registering complaint with American Airlines/American Eagle?

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.
by Kenkat
Fri May 18, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Registering complaint with American Airlines/American Eagle?
Replies: 25
Views: 1385

Re: Registering complaint with American Airlines/American Eagle?

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...
by Kenkat
Thu May 17, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Rates are going up. Should I pull $ out of Munis?
Replies: 10
Views: 977

Re: Rates are going up. Should I pull $ out of Munis?

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...
by Kenkat
Thu May 17, 2018 10:49 am
Forum: Investing - Theory, News & General
Topic: Challenge: guess the effect of rebalancing (by interval or bands) in 2008-2009
Replies: 35
Views: 3539

Re: Challenge: guess the effect of rebalancing (by interval or bands) in 2008-2009

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...
by Kenkat
Wed May 16, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: somebody is using our address
Replies: 45
Views: 4528

Re: somebody is using our address

I’d also discuss this with your mail carrier just so he / she is aware there is a potential issue as well.
by Kenkat
Wed May 16, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 138
Views: 6972

Re: Is there a boglehead muscle car?

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...
by Kenkat
Tue May 15, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: Home Health Aids Cincinnati
Replies: 4
Views: 548

Re: Home Health Aids Cincinnati

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.
by Kenkat
Tue May 15, 2018 6:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 8928

Re: Yes, I'm 89 all right! [Jack Bogle]

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

Ken
by Kenkat
Mon May 14, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 138
Views: 6972

Re: Is there a boglehead muscle car?

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...
by Kenkat
Sun May 13, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: setting up trust- possible sibling drama may ensue
Replies: 34
Views: 2862

Re: setting up trust- possible sibling drama may ensue

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...
by Kenkat
Sun May 13, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Seeing a rocket launch in FL
Replies: 15
Views: 1460

Re: Seeing a rocket launch in FL

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.
by Kenkat
Sun May 13, 2018 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Just started a summer job. Should i start using them for their 401k?
Replies: 27
Views: 1699

Re: Just started a summer job. Should i start using them for their 401k?

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 ...
by Kenkat
Sat May 12, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 82
Views: 4452

Re: College laptop for fall 2018 freshman

Lenovo Yoga line has some nice laptops / 3 in 1s at attractive price points.
by Kenkat
Fri May 11, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4310

Re: Anyone buy carbon offsets when flying?

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...
by Kenkat
Thu May 10, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance viatical or life settlement instead of long term care insurance?
Replies: 29
Views: 1603

Re: Life insurance viatical or life settlement instead of long term care insurance?

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...
by Kenkat
Wed May 09, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Estimating cost of granite countertop renovation
Replies: 19
Views: 1476

Re: Estimating cost of granite countertop renovation

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...
by Kenkat
Sun May 06, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Anyone from Dayton,OH area-?'s
Replies: 21
Views: 1306

Re: Anyone from Dayton,OH area-?'s

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...
by Kenkat
Sun May 06, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 5000

Re: Home Theater Stereo/Speakers

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.
by Kenkat
Sun May 06, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Mobile Deposit Gone Wrong
Replies: 19
Views: 2718

Re: Mobile Deposit Gone Wrong

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?
by Kenkat
Sat May 05, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: One space or two ...
Replies: 18
Views: 1418

Re: One space or two ...

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.
by Kenkat
Sat May 05, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Cost versus convenience
Replies: 11
Views: 555

Re: Cost versus convenience

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...
by Kenkat
Sat May 05, 2018 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Swollen Emergency Fund....What now?
Replies: 43
Views: 3182

Re: Swollen Emergency Fund....What now?

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...
by Kenkat
Thu May 03, 2018 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Swollen Emergency Fund....What now?
Replies: 43
Views: 3182

Re: Swollen Emergency Fund....What now?

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.
by Kenkat
Wed May 02, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: Asheville, NC Visit
Replies: 20
Views: 1834

Re: Asheville, NC Visit

Short day trips from Asheville for hiking/outdoors:

Linville Falls trail off the Blue Ridge Parkway
Chimney Rock State Park and Lake Lure
by Kenkat
Sun Apr 29, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Buying primecap now - a mistake?
Replies: 14
Views: 1433

Re: Buying primecap now - a mistake?

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...
by Kenkat
Sat Apr 28, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 5000

Re: Home Theater Stereo/Speakers

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...
by Kenkat
Fri Apr 27, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: Touch Up Paint on New Car
Replies: 10
Views: 810

Re: Touch Up Paint on New Car

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.
by Kenkat
Sat Apr 21, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Best places to find discontinued appliance parts?
Replies: 14
Views: 1249

Re: Best places to find discontinued appliance parts?

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...
by Kenkat
Sat Apr 21, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Why is a share price for Schwab much cheaper than Vanguard?
Replies: 10
Views: 1207

Re: Why is a share price for Schwab much cheaper than Vanguard?

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...
by Kenkat
Thu Apr 19, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new Toyota.[my fault comparing apples and oranges]
Replies: 34
Views: 3008

Re: Negotiating for a new Toyota.

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...
by Kenkat
Tue Apr 17, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: Then and Now: 1980 vs 2018
Replies: 12
Views: 1727

Re: Then and Now: 1980 vs 2018

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 ...
by Kenkat
Sun Apr 15, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: Mozart in the morning, please
Replies: 18
Views: 2351

Re: Mozart in the morning please

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...
by Kenkat
Sun Apr 15, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Forgot capital gain on 1040
Replies: 5
Views: 371

Re: Forgot capital gain on 1040

I would wait to receive your refund and then file a 1040X. You probably won’t have to pay a penalty.
by Kenkat
Sun Apr 15, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Las Vegas hotel
Replies: 44
Views: 3183

Re: Las Vegas hotel

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 ...
by Kenkat
Sat Apr 14, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: What percentage of you 2017 income can you account for?
Replies: 49
Views: 3503

Re: What percentage of you 2017 income can you account for?

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...
by Kenkat
Sat Apr 14, 2018 9:23 am
Forum: Investing - Theory, News & General
Topic: Factor Investing - A convincing article
Replies: 67
Views: 5995

Re: Factor Investing - A convincing article

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.
by Kenkat
Sat Apr 14, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Best Rating sites for TVs
Replies: 22
Views: 1550

Re: Best Rating sites for TVs

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...
by Kenkat
Sat Apr 14, 2018 9:03 am
Forum: Investing - Theory, News & General
Topic: Trinity Study updated to 2018
Replies: 156
Views: 15641

Re: Trinity Study updated to 2018

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.
by Kenkat
Sat Apr 14, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: What percentage of you 2017 income can you account for?
Replies: 49
Views: 3503

Re: What percentage of you 2017 income can you account for?

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...
by Kenkat
Sat Apr 14, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Gardening 2018
Replies: 45
Views: 3659

Re: Gardening 2018

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...
by Kenkat
Fri Apr 13, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Dispute Over a Fence
Replies: 12
Views: 1946

Re: Dispute Over a Fence

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.
by Kenkat
Fri Apr 13, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Should you always use a 529?
Replies: 30
Views: 1519

Re: Should you always use a 529?

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...
by Kenkat
Thu Apr 12, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: PayPal fund request from unknown person?
Replies: 19
Views: 1615

Re: PayPal fund request from unknown person?

Somebody probably made a typo on an email similar to yours and it just went to the wrong Paypal account as a payment request.
by Kenkat
Wed Apr 11, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: Help with shared child being spoiled
Replies: 46
Views: 4044

Re: Help with shared child being spoiled

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...
by Kenkat
Wed Apr 11, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Selling audio gear on ebay, 7-day auction or "30-day Buy it now"?
Replies: 20
Views: 1217

Re: Selling audio gear on ebay, 7-day auction or "30-day Buy it now"?

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...
by Kenkat
Sun Apr 08, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Gardening 2018
Replies: 45
Views: 3659

Re: Gardening 2018

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 ...
by Kenkat
Sun Apr 08, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Gardening 2018
Replies: 45
Views: 3659

Re: Gardening 2018

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...
by Kenkat
Sat Apr 07, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Finance only laptop? Can I use an old one?
Replies: 25
Views: 1697

Re: Finance only laptop? Can I use an old one?

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...