Search found 4255 matches

by Kenkat
Mon Oct 22, 2018 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 59
Views: 2042

Re: 2019 Expenses > 2019 Income – Help us close the gap

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.
by Kenkat
Mon Oct 22, 2018 5:58 pm
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 38
Views: 2863

Re: Beer - Strong German Style Lagers

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...
by Kenkat
Mon Oct 22, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 55
Views: 2362

Re: Car Dealer told us car was Certified, but it isnt

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 ...
by Kenkat
Mon Oct 22, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 55
Views: 2362

Re: Car Dealer told us car was Certified, but it isnt

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...
by Kenkat
Mon Oct 22, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 55
Views: 2362

Re: Car Dealer told us car was Certified, but it isnt

What year is the vehicle? What was the problem with it?
by Kenkat
Mon Oct 22, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Confused about compound interest and diminishing returns
Replies: 6
Views: 931

Re: Confused about compound interest and diminishing returns

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...
by Kenkat
Mon Oct 22, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Buy, Sell, or Hold - Car Dilemma
Replies: 7
Views: 446

Re: Buy, Sell, or Hold - Car Dilemma

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...
by Kenkat
Mon Oct 22, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Which HDHP plan is better, Blue Cross or United
Replies: 21
Views: 697

Re: Which HDHP plan is better, Blue Cross or United

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.
by Kenkat
Mon Oct 22, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Which HDHP plan is better, Blue Cross or United
Replies: 21
Views: 697

Re: Which HDHP plan is better, Blue Cross or United

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.
by Kenkat
Sun Oct 21, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 2855

Re: Why Purchase an Automobile using Premium Gasoline?

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.
by Kenkat
Sun Oct 21, 2018 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Retire now or in the Spring. - changing work conditions
Replies: 31
Views: 2485

Re: Retire now or in the Spring. - changing work conditions

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 ...
by Kenkat
Sun Oct 21, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 38
Views: 2863

Re: Beer - Strong German Style Lagers

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.
by Kenkat
Sun Oct 21, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 2855

Re: Why Purchase an Automobile using Premium Gasoline?

Around here, premium (93) is 60 cents a gallon more than regular (87). It’s about a 25% premium for premium.
by Kenkat
Sun Oct 21, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 2855

Re: Why Purchase an Automobile using Premium Gasoline?

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 ...
by Kenkat
Sun Oct 21, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: RatherBeSailing's Law of Home Maintenance Expenses
Replies: 5
Views: 524

Re: RatherBeSailing's Law of Home Maintenance Expenses

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...
by Kenkat
Sun Oct 21, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: Total Bond Market Fund - interest rates rising!
Replies: 119
Views: 11037

Re: Total Bond Market Fund - interest rates rising!

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...
by Kenkat
Sun Oct 21, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: Total Bond Market Fund - interest rates rising!
Replies: 119
Views: 11037

Re: Total Bond Market Fund - interest rates rising!

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...
by Kenkat
Sat Oct 20, 2018 10:33 am
Forum: Investing - Theory, News & General
Topic: Total Bond Market Fund - interest rates rising!
Replies: 119
Views: 11037

Re: Total Bond Market Fund - interest rates rising!

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 ...
by Kenkat
Sat Oct 20, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Why are Carbon Offset Credits so cheap?
Replies: 61
Views: 3044

Re: Why are Carbon Offset Credits so cheap?

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, ...
by Kenkat
Sat Oct 20, 2018 9:48 am
Forum: Investing - Theory, News & General
Topic: DFA small value... acitve management?
Replies: 58
Views: 2772

Re: DFA small value... acitve management?

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...
by Kenkat
Sat Oct 20, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Met with an FA today.
Replies: 12
Views: 2504

Re: Met with an FA today.

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....
by Kenkat
Thu Oct 18, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 103
Views: 4715

Re: When to change tires; and what brand

^ 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...
by Kenkat
Thu Oct 18, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 103
Views: 4715

Re: When to change tires; and what brand

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...
by Kenkat
Mon Oct 15, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: HDMI Splitter or Switch?
Replies: 24
Views: 1377

Re: HDMI Splitter or Switch?

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...
by Kenkat
Sun Oct 14, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 3950

Re: How Much Is Your Sewer Bill?

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 ...
by Kenkat
Sat Oct 13, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: What would you do with some bulk silver?
Replies: 41
Views: 2462

Re: What would you do with some bulk silver?

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...
by Kenkat
Sat Oct 13, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 70
Views: 5384

Re: Weigh in on our Marital Argument =)-- HCOL edition

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.
by Kenkat
Fri Oct 12, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: tablet or small laptop for general and travel computer?
Replies: 41
Views: 2217

Re: tablet or small laptop for general and travel computer?

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.
by Kenkat
Thu Oct 11, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: What would you do with some bulk silver?
Replies: 41
Views: 2462

Re: What would you do with some bulk silver?

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.
by Kenkat
Thu Oct 11, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7155

Re: My life saved by New subaru. Almost died.

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...
by Kenkat
Thu Oct 11, 2018 9:09 pm
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 95
Views: 8296

Re: When will you backup the truck on stocks

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...
by Kenkat
Wed Oct 10, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do you use your own cards for work travel?
Replies: 16
Views: 1119

Re: Do you use your own cards for work travel?

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.
by Kenkat
Wed Oct 10, 2018 6:44 pm
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 95
Views: 8296

Re: When will you backup the truck on stocks

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.
by Kenkat
Wed Oct 10, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: Dayton, Ohio -- Worth Visiting?
Replies: 39
Views: 2970

Re: Dayton, Ohio -- Worth Visiting?

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!


Image
I concur!
Go Blue!
Is there a Division One team in Michigan? 😀
by Kenkat
Wed Oct 10, 2018 3:33 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 RBD?
Replies: 28
Views: 2070

Re: S&P 500 RBD?

Hmmm, I vaguely remember something like this 10 years ago in October...
by Kenkat
Wed Oct 10, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7406
Views: 1554709

Re: Stocks tumbling?

Hamburger...yada yada...on sale...yada yada...Warren Buffet...
by Kenkat
Tue Oct 09, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Smarthome system that is local
Replies: 17
Views: 1338

Re: Smarthome system that is local

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.
by Kenkat
Mon Oct 08, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: Engineering/chemistry guys need ya for Scientific Notation
Replies: 8
Views: 969

Re: Engineering/chemistry guys need ya for Scientific Notation

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.
by Kenkat
Sun Oct 07, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Rate of return in negative
Replies: 16
Views: 1906

Re: Rate of return in negative

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...
by Kenkat
Sun Oct 07, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement health insurance from employer
Replies: 9
Views: 1077

Re: Early retirement health insurance from employer

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 ...
by Kenkat
Sun Oct 07, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Sell vwiux and buy 1 yr tbills? [Vanguard Intermediate-Term Tax-Exempt]
Replies: 8
Views: 499

Re: Sell vwiux and buy 1 yr tbills?

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 ...
by Kenkat
Sun Oct 07, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Garage Shelving?
Replies: 31
Views: 3287

Re: Garage Shelving?

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...
by Kenkat
Sun Oct 07, 2018 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Active vs passive indexing
Replies: 14
Views: 1365

Re: Active vs passive indexing

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...
by Kenkat
Sat Oct 06, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Help identify vine in backyard
Replies: 26
Views: 1500

Re: Help identify vine in backyard

Definitely not poison ivy - three leaves and red stems are the main markers. It might be nettle.
by Kenkat
Sat Oct 06, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9622

Re: What is your annual cost for health insurance?

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.
by Kenkat
Sat Oct 06, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: A little blip - and the media goes crazy
Replies: 16
Views: 2270

Re: A little blip - and the media goes crazy

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...
by Kenkat
Fri Oct 05, 2018 3:23 pm
Forum: Investing - Theory, News & General
Topic: A little blip - and the media goes crazy
Replies: 16
Views: 2270

Re: A little blip - and the media goes crazy

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...
by Kenkat
Fri Oct 05, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 28
Views: 2370

Re: Best deals to buy iphones

I personally would wait until Black Friday if you have that option. You can usually save another $100+ per phone is my experience.
by Kenkat
Wed Oct 03, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a will and trust setup (Ohio)
Replies: 17
Views: 1175

Re: Getting a will and trust setup (Ohio)

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 $...