Search found 4068 matches

by Kenkat
Sun Jun 24, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Garage refrigerator
Replies: 18
Views: 1463

Re: Garage refrigerator

We have a basic refrigerator / freezer in our garage - it was around $400 new. We live in Southern Ohio and it gets both pretty cold here in the winter and pretty hot in the summer. The fridge is in an attached garage and overall works fine. We have had it over 10 years, no issues. It keeps everythi...
by Kenkat
Sun Jun 24, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: Car for my grand daughter
Replies: 13
Views: 771

Re: Car for my grand daughter

$2000 is not a lot to spend on a used car, so temper your expectations. Assuming she is not planning to put a lot of mileage on the car, I’d look for something with either high miles but in decent shape otherwise (think 175k mileage) or a less desireable but still ok lower mileage model such as a Bu...
by Kenkat
Sat Jun 23, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: Repair old refrigerator or purchase new
Replies: 18
Views: 806

Re: Repair old refrigerator or purchase new

If you can DIY yourself for just the cost of an inexpensive part, I’d do that first.
by Kenkat
Fri Jun 22, 2018 1:02 pm
Forum: Investing - Theory, News & General
Topic: Why Active can never beat Passive
Replies: 33
Views: 2980

Re: Why Active can never beat Passive

There is some evidence that low cost low turnover style firms such as Vanguard, T. Rowe Price, Dodge and Cox maybe can but the alpha is fairly small and not clear if it is statistically significant. So there you have it - invest in low cost, low turnover funds. Passive if that’s what you are comfor...
by Kenkat
Fri Jun 22, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: Why Active can never beat Passive
Replies: 33
Views: 2980

Re: Why Active can never beat Passive

Yes, Buckley states it’s all about costs; the OP states it’s all about costs; the Arithmetic of Active Management states it’s all about costs. So I think everyone agrees on that. It then comes down to an argument of whether or not active managers can add alpha and if they can, is it enough to offse...
by Kenkat
Fri Jun 22, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: Why Active can never beat Passive
Replies: 33
Views: 2980

Re: Why Active can never beat Passive

This is just untrue, insofar as it concerns the actively managed universe and not one serendipitous fund. That's basic math. Consider the universe of all US equities. Say passive holders make up 30% of the market, active investors then make up 70%. If the market returns are 10%, passive investors m...
by Kenkat
Mon Jun 18, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 4838

Re: How much car to buy reasonably?

Considering that your avatar is a yellow BMW, you should buy a yellow BMW. With all the bad things I heard about BMW reliability and high cost of maintenance, I am not considering BMW... unfortunately. I am not sure you will find Porsche or Audi any more reliable or cheaper to maintain than BMW. BR...
by Kenkat
Mon Jun 18, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 4838

Re: How much car to buy reasonably?

Considering that your avatar is a yellow BMW, you should buy a yellow BMW.
by Kenkat
Sun Jun 17, 2018 6:00 pm
Forum: Investing - Theory, News & General
Topic: What do you sell after the emergency fund?
Replies: 25
Views: 1493

Re: What do you sell after the emergency fund?

I have a three-tiered emergency fund. If I lost my job, between unemployment and serverence, Tier 1 - Money Market would last 6 months. If things were still bad, Tier 2 - taxable municipal bonds would probably last another 4-6 months. After that, Tier 3 - taxable equity funds would last another 6 mo...
by Kenkat
Sun Jun 17, 2018 1:56 pm
Forum: Investing - Theory, News & General
Topic: Are Vanguard's actively managed funds better?
Replies: 11
Views: 1573

Re: Are Vanguard's actively managed funds better?

They could have named the article “Vanguard Active Funds: Well, They’re Not Worse”. The majority of active funds offered by Vanguard have failed to outperform their benchmark since inception. The study shows 50% of active funds outperformed their benchmark and 50% did not. Since when did 50% become ...
by Kenkat
Sat Jun 16, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 38
Views: 2605

Re: Chipmunk problem

I just bought the Havahart trap a few days ago. So far the chipmunks have eaten the peanut butter and escaped four times, even though the trap was set off. Not sure how this is happening. My wife is keeping score and so far CHIPMUNKS - 4, MUNEMAKER - 0. I am about to lose my heart and go for the "c...
by Kenkat
Sat Jun 16, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Too much house vs. just enough
Replies: 38
Views: 3367

Re: Too much house vs. just enough

I also have two sons. We sold our 4 bedroom two story and bought a 3 bedroom ranch style home. It was a great decision for us. We had a fourth bedroom that became a glorified storage room. The three bedroom home maximized the space where we spend most of our time (kitchen and great room) with smalle...
by Kenkat
Sat Jun 16, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: What to do with the family wagon
Replies: 16
Views: 1393

Re: What to do with the family wagon

You could buy a new Honda Odyssey or Toyota Sienna for around $30k that would accommodate a family of six as well as a Yukon. If the thought of driving a minivan is not appealing, just realize that decision costs $40k. Your other option is to divert say $1000 / mo. out of your savings to buy a vehic...
by Kenkat
Fri Jun 15, 2018 9:57 am
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 11198

Re: Which boglehead rule do you break--and are ok with

I sometimes select active funds even though there are alternative index funds available. I do still keep an eye to costs as that is what I think is most important.
by Kenkat
Fri Jun 15, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 6644

Re: can we afford to spend $20K on travel annually

If I am understanding correctly, your combined income is $360k and you seem to be on a good path savings wise so I would say if travel is important to you, you can afford it.
by Kenkat
Fri Jun 15, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: convert 4 wire to a 3 wire switch
Replies: 15
Views: 1547

Re: convert 4 wire to a 3 wire switch

Depending on the manufacturer, there might also be an 800 number you can call for help. I have used Leviton switches in the past and they were very helpful in installation of dimmers into a circuit with three separate switches.
by Kenkat
Fri Jun 15, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: Bumper Repair
Replies: 9
Views: 533

Re: Bumper Repair

If have also heard of people pouring hot water over a dent to get it to pop out
by Kenkat
Thu Jun 14, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: cooling upstairs floor without central AC
Replies: 19
Views: 1264

Re: cooling upstairs floor without central AC

Growing up, we had an attic fan that installed in the ceiling and drew cool air in through the windows and exhausted it into the attic. Very effective at cooling the house down so long as it is not too hot and humid.
by Kenkat
Thu Jun 14, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3570

Re: Non-alcoholic drinks for wedding

We went to a wedding for our niece recently and while it was not a dry occasion, they had several infused water choices - cucumber / mint and strawberry / blueberry. Another option is aqua frescas as also mentioned above. And sparkling water - perrier, pelligrino, etc.
by Kenkat
Tue Jun 12, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 4750

Re: How do you celebrate (potty trained kid) milestone with your spouse?

New carpets and have the non-carpeted floors steam cleaned.
by Kenkat
Sun Jun 10, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: Buying CPO Lexus - any advice appreciated
Replies: 22
Views: 1753

Re: Buying CPO Lexus - any advice appreciated

My opinion, having bought a CPO of another brand last year, the only way you will get 20% off a used car listed on the internet is if it is way overpriced relative to all the other cars also listed. Which does happen, but there will likely also be other dealers who price the cars for quick sale know...
by Kenkat
Sat Jun 09, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 10072

Re: Why do we work?

It all depends what is important to you. Using your house example, some would say why work an extra 2-1/2 years to be able to afford a nicer house in a nicer area? Others would say why not work an extra 2-1/2 years and then you get to live in a nicer house in a nicer area for the rest of your life?...
by Kenkat
Sat Jun 09, 2018 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation 53 years old
Replies: 21
Views: 1726

Re: Asset Allocation 53 years old

I am roughly the same age as you and in a similar place. You are looking to do a “double” - i.e., double your portfolio. To do that in 10 years, you need to earn around a 7% return; 13 years, around a 5.5% return. Seems achievable with a somewhat less aggressive stock / bond allocation. I am at 70/3...
by Kenkat
Fri Jun 08, 2018 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 10072

Re: Why do we work?

It all depends what is important to you. Using your house example, some would say why work an extra 2-1/2 years to be able to afford a nicer house in a nicer area? Others would say why not work an extra 2-1/2 years and then you get to live in a nicer house in a nicer area for the rest of your life?
by Kenkat
Wed Jun 06, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Account Beneficiary Designation
Replies: 6
Views: 457

Re: Joint Account Beneficiary Designation

I just ran into this same situation. Vanguard was the only company that was unable to set up a TOD on a joint taxable account. The attorney who set things up told me that some companies are still in the dark ages when it comes to TOD.
by Kenkat
Mon Jun 04, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: steel cut oats in bulk
Replies: 50
Views: 4104

Re: steel cut oats in bulk

Hopefully you are making a big batch of goetta https://en.m.wikipedia.org/wiki/Goetta but probably not based on your user name :happy Very interesting. I've made that in the past, but didn't know it had a name! My PA Dutch grandparents made scrapple, and my grandfather talked about eating "oat scra...
by Kenkat
Sun Jun 03, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Parents transferring all property over to me. Do I need a lawyer?
Replies: 12
Views: 2090

Re: Parents transferring all property over to me. Do I need a lawyer?

It would be better if the property is left to you in a trust. However, if your parents do not want to manage the property, you could do that for them until you inherit the property. Yes, we just set this up with an attorney so that our real estate is transferred on death to a trust with our sons as...
by Kenkat
Sun Jun 03, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: steel cut oats in bulk
Replies: 50
Views: 4104

Re: steel cut oats in bulk

Costco usually has them now but it varies by warehouse. Sadly they are a bit behind IT wise and have no ability to see what is available in a warehouse online but you could probably call ahead and ask. Funny you should mention Costco’s IT, I was in our local warehouse recently and found that they w...
by Kenkat
Sun Jun 03, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: steel cut oats in bulk
Replies: 50
Views: 4104

Re: steel cut oats in bulk

Hopefully you are making a big batch of goetta https://en.m.wikipedia.org/wiki/Goetta but probably not based on your user name :happy Very interesting. I've made that in the past, but didn't know it had a name! My PA Dutch grandparents made scrapple, and my grandfather talked about eating "oat scra...
by Kenkat
Sun Jun 03, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Need to replace my Vizio TV..............
Replies: 35
Views: 2532

Re: Need to replace my Vizio TV..............

I have a 55” Visio TV that previously had problems with the picture going out but have also heard of many issues with sound going out. A common problem with these TVs is that the solder points between the various boards in the TV crack due to poor solder joint quality. In my case, my Visio TV lost ...
by Kenkat
Sun Jun 03, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: steel cut oats in bulk
Replies: 50
Views: 4104

Re: steel cut oats in bulk

Hopefully you are making a big batch of goetta https://en.m.wikipedia.org/wiki/Goetta but probably not based on your user name :happy
by Kenkat
Sun Jun 03, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Need to replace my Vizio TV..............
Replies: 35
Views: 2532

Re: Need to replace my Vizio TV..............

I have a 55” Visio TV that previously had problems with the picture going out but have also heard of many issues with sound going out. A common problem with these TVs is that the solder points between the various boards in the TV crack due to poor solder joint quality. In my case, my Visio TV lost p...
by Kenkat
Sun Jun 03, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Tool board for basement - plywood or pegboard?
Replies: 30
Views: 1860

Re: Tool board for basement - plywood or pegboard?

Definitely pegboard. I have a lot of pegboard installed in my garage and it is very convenient. One of the nice things about pegboard is that there are a lot of hook options. For example, I have my gas string trimmer and gas blower both hanging from specialty peg hooks. The weight is not a problem a...
by Kenkat
Sat Jun 02, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: A silver coin
Replies: 8
Views: 1305

Re: A silver coin

The are also a number of nice commemorative and bullion silver coins available direct from the US Mint @ usmint.gov. My avatar is an example of one.
by Kenkat
Sat Jun 02, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Funding an Irrevocable Trust
Replies: 14
Views: 989

Re: Funding an Irrevocable Trust

The bank would be able to confirm the proper process, but I believe she could make the check payable to the trust and then you would endorse it as Topridge99, Trustee and deposit it. This is assuming that she is not a co-trustee.
by Kenkat
Fri Jun 01, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: Driving UHaul
Replies: 20
Views: 1994

Re: Driving UHaul

It’s been awhile but after renting a couple of U Hauls, I switched to Penske. Newer, better trucks - better condition, easier to drive, etc.
by Kenkat
Thu May 31, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Pending Layoff / Can I retire?
Replies: 31
Views: 4480

Re: Pending Layoff / Can I retire?

Your family income even with you not working is over $100k more than your current expenses so you in theory don’t really need to work. So that should free you up to pursue the startup idea. The $4 million or so can continue to grow as you don’t need to draw any of that down in the immediate future u...
by Kenkat
Wed May 30, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: Need some advice in regards to A/C System
Replies: 29
Views: 1623

Re: Need some advice in regards to A/C System

No way would I put 4 grand (if I understand the pricing) into a 14 year old system. That’s likely 50% of the cost of just replacing the two units. Well, I think the UV/air purifier is independent of the system, but I’m not sure. If that’s the case, I could reuse it with the next system, which is th...
by Kenkat
Wed May 30, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: Need some advice in regards to A/C System
Replies: 29
Views: 1623

Re: Need some advice in regards to A/C System

No way would I put 4 grand (if I understand the pricing) into a 14 year old system. That’s likely 50% of the cost of just replacing the two units.
by Kenkat
Wed May 30, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: To be or not to be complex, that is the question
Replies: 146
Views: 11719

Re: To be or not to be complex, that is the question

Wow, is there no one to defend a little complexity? It’s been pretty much a US large growth run here lately so there hasn’t been much for the slicers to cheer about recently. I have had a relatively modest slant to small and value since 2000; I’ve owned REIT, Small Value, EM since then, for example....
by Kenkat
Tue May 29, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: Disconnecting Wi-fi of a device
Replies: 9
Views: 1054

Re: Disconnecting Wi-fi of a device

Look to see if there is an app available for your brand of router. I have a Netear router and can manage the various devices attached using the Netgear app for my iPad.
by Kenkat
Mon May 28, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Cheapest ways to watch NBA playoffs
Replies: 37
Views: 3005

Re: Cheapest ways to watch NBA playoffs

3CT_Paddler wrote:
Mon May 28, 2018 7:26 pm
SlingTV is only $20/month with no long term contract. Works great through a Roku.
Agree, Sling Orange would be cheapest if you don’t want to try to juggle free trials.
by Kenkat
Mon May 28, 2018 8:57 pm
Forum: Investing - Theory, News & General
Topic: New to this - been looking at some Active Managed
Replies: 22
Views: 1258

Re: New to this - been looking at some Active Managed

If you are looking at active management, you must first look at turnover and expenses. Low turnover and low expense ratio is why index funds perform well; the management style is not important beyond the fact that well implemented index funds are typically low cost. So, if you want to look at active...
by Kenkat
Mon May 28, 2018 7:24 am
Forum: Local Chapters and Bogleheads Community
Topic: MEMORIAL DAY 2018
Replies: 28
Views: 2522

Re: MEMORIAL DAY 2018

It is also a great day to fly the American flag proudly outside your residence in memory of all those lost defending it.
by Kenkat
Sun May 27, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Considering iPad to replace failing Nexus tablet
Replies: 44
Views: 2552

Re: Considering iPad to replace failing Nexus tablet

I think this was a result of insufficient memory on my old iPad. I noticed that the 2018 iPad still has only 2gb while the Pro has 4gb of main memory [plus a faster processor]. My experience with laptops is that more memory is key. Even some of my old laptops that I service for TaxAide run Windows ...
by Kenkat
Sun May 27, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Considering iPad to replace failing Nexus tablet
Replies: 44
Views: 2552

Re: Considering iPad to replace failing Nexus tablet

No issues switching between my iPad and my Samsung Android phone. Very similar UI actually. I bought an iPad 2 in 2011 and got 5-1/2 years out of it. It eventually got slow and I experienced a lot of what you mentioned with the Nexus tablet - when switching between apps, you’d often lose what you ha...
by Kenkat
Sat May 26, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Near commercial level treadmill
Replies: 36
Views: 2750

Re: Near commercial level treadmill

Several folks I know tell me that the treadmill in their home is primarily used for hanging clothes. I use a treadmill at the gym - alternating with 4-5 other machines - and brisk walking. By setting the incline, I can bump up the exertion level without having to jog or run. I also really like the ...
by Kenkat
Sat May 26, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Is having insurance from 5 different companies normal?
Replies: 15
Views: 1647

Re: Is having insurance from 5 different companies normal?

I think you can probably get down to two companies (maybe one) and not pay much more if anything than you are currently paying. I have my home, auto and umbrella through one company and my life and disability through another company. I think it makes sense to split between Property / Casualty and In...
by Kenkat
Thu May 24, 2018 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Career planning in IT/software development when over 40
Replies: 118
Views: 10665

Re: Career planning in IT/software development when over 40

I appreciate both of your contributions to the thread and you both mean well, but you're contradicting each other. I've seen similar messages on other boards. There are people who say that it is bad to be technical after 40 and one should absolutely be in management if at all possible. Others will ...
by Kenkat
Thu May 24, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: Should I spend $1,500 on getting some rust repaired on a 15 year old Buick
Replies: 36
Views: 2632

Re: Should I spend $1,500 on getting some rust repaired on a 15 year old Buick

I had a 2004 Buick Century with 110,000 miles. That car was great, interior was still perfect after driving it all those miles, until some of the dash board instruments malfunctioned and the dealer's people did not know exactly how to put it back in. That car was too old for them. Finally I noticed...