Search found 3868 matches

by Kenkat
Wed Jan 17, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Car/Motorcycle Jump Starter?
Replies: 17
Views: 632

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: 1966

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: 87
Views: 8402

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: 14
Views: 705

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: 692

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: 692

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: 692

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: 9014

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: 608

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: 2855

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: 7942

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: 7942

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: 1223

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: 596

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: 37
Views: 2135

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: 323

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: 34
Views: 1663

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: 37
Views: 2135

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: 7942

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: 1437

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: 7942

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: 2424

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: 65
Views: 4232

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: 3112

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: 7942

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: 1437

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: 34
Views: 1663

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: 2688

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: 5699

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...
by Kenkat
Fri Jan 05, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Buying a car?
Replies: 27
Views: 2824

Re: Buying a car?

If you are interested in getting a reasonable price with minimal work, CarMax might not be a bad option for used cars. I recently bought a used car and used cars.com to find it. Some dealers will price cars high online, some will price cars low for quick sale. After looking for a couple of months, I...
by Kenkat
Fri Jan 05, 2018 9:27 am
Forum: Investing - Theory, News & General
Topic: Hypothetical question: Will a man who lives forever own the world?
Replies: 23
Views: 1593

Re: Hypothetical question: Will a man who lives forever own the world?

Is there an error in this logic? It seems odd that, purely through passive income, one could eventually own all the equity in the world. The error in the logic is that it ignores the political consequences of extreme wealth inequality (see: Let them eat cake ). Private ownership of property is itse...
by Kenkat
Thu Jan 04, 2018 10:38 am
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 215
Views: 22745

Re: Hitting The Sell Button

It feels like it has been years since I have put any new money into US equities. First, all new money was going to International equities and over the past year and a half (?) it’s been all new money going to 100% bonds. I haven’t hit any rebalance bands yet but if stocks keeping going up...
by Kenkat
Wed Jan 03, 2018 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Goodbye Capital One 360!!
Replies: 56
Views: 7991

Re: Goodbye Capital One 360!!

ge1 wrote:
Wed Jan 03, 2018 9:57 pm
I'm curious, why would you have any money with Capital One or Ally when Vanguards Money Market Fund pays 1.22%?
Agree, especially since Vanguard is reporting 1.38% current yield on Prime MM. I guess the only reason might be FDIC coverage.
by Kenkat
Mon Jan 01, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 99
Views: 7552

Re: TaxAct and alternatives

I just did HR Block Federal only for $9.95. Longtime Taxact user but they are raising prices just like TurboTax did when they got some popularity. I will just use the State of Ohio website for state taxes. It’s a little bit of dual entry but saves the cost of state tax software versions and electron...
by Kenkat
Mon Jan 01, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Car headlights or Daytime Running Lights - what do you do?
Replies: 62
Views: 3700

Re: Car headlights or Daytime Running Lights - what do you do?

Properly aimed fog lights should not blind oncoming drivers. Here’s Tom and Ray from Car Talk on the subject:

https://www.cartalk.com/content/whos-ri ... fog-lights
by Kenkat
Mon Jan 01, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: So, how was the year ? Gains made and Lessons learnt ?
Replies: 75
Views: 6792

Re: So, how was the year ? Gains made and Lessons learnt ?

Started the year with a health scare. Jan. 2, doctor’s office, ER, ambulance transport to hospital for 2 days. Hit my HDHP deductible by the end of the day on Jan. 4. Recovered completely but it does change your perspective on things. Passed down my 2005 Camry to my youngest son and bought a 2014 Ca...
by Kenkat
Mon Jan 01, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Did you get an Unexpected Year End Bonus because of the Tax Cut?
Replies: 44
Views: 3278

Re: Did you get an Unexpected Year End Bonus because of the Tax Cut?

I don’t work there, but 5/3 Bank here in Cincinnati reportedly gave bonuses of $1k and raised minimum salaries to $15 per hour after the tax cut passed.
by Kenkat
Sun Dec 31, 2017 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 10806

Re: Another should i buy my dream porsche thread...

1. 928 2. I dont want to answer given the context in the movie #2 is incorrect. You're thinking of a very similar phrase said early in the movie, but this exact line was said at the end of the movie by the dad about college applications or some such. Yes, excellent. It was Joel’s father congratulat...
by Kenkat
Sun Dec 31, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: Car headlights or Daytime Running Lights - what do you do?
Replies: 62
Views: 3700

Re: Car headlights or Daytime Running Lights - what do you do?

I use the Auto setting on all my vehicles, which engages DRL during the daytime and headlights on at dusk, pre-dawn or night.

In rain or fog, I will override the Auto setting if necessary and will also use the fog lights on the two vehicles I own that are equipped with them.
by Kenkat
Sun Dec 31, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Planning Advice
Replies: 43
Views: 4086

Re: Early Retirement Planning Advice

I think that along with some of the good planning techniques available here, you have also got to accept that there is going to be some uncertainty. Even 5 years out, there are variables that could change things - as much as we’d like to be able to say I am retiring June 1, 2023, it’s just not that ...
by Kenkat
Sun Dec 31, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Planning Advice
Replies: 43
Views: 4086

Re: Early Retirement Planning Advice

Let's put some numbers together for clarity and all numbers are in today dollars. Say you need $80K a year to live comfortably which is about $100K before taxes. You are 57 now and want to take social security benefits at 67 at which time you would get $30K a year. You would need: ● $100K x 10 = $1...
by Kenkat
Sat Dec 30, 2017 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 10806

Re: Another should i buy my dream porsche thread...

I find that the answer to most questions can be found in old movie quotes. In this case, I believe “Risky Business”, starring Tom Cruise and Rebecca DeMornay provides the proper guidance with these two lines: Porsche. There is no substitute. Sometimes, you just have to say “what the heck”. Bonus que...
by Kenkat
Sat Dec 30, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: New Job Offer Dilemma
Replies: 20
Views: 1595

Re: New Job Offer Dilemma

Don’t take a job with an impending buyout. You don’t know what is going to happen after a buyout; it might be hit the bricks, pal.
by Kenkat
Sat Dec 30, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Appliance Install Issues
Replies: 40
Views: 2014

Re: Appliance Install Issues

To do this right, you probably need to have an electrician come and run a dedicated circuit to your breaker panel for the microwave. While they might argue that isn’t necessarily (and maybe it isn’t), I probably would go with best vs. adequate and best would be a dedicated circuit. I don’t know what...
by Kenkat
Sat Dec 30, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: We bought a house in June, and the ac & furnace system do not work. What should we do?
Replies: 49
Views: 3450

Re: We bought a house in June, and the ac & furnace system do not work. What should we do?

The AC unit would not have used propane so I do not understand why that was not checked by the inspector? You could try filing suit in small claims court but it could be difficult to prove that she knew the furnace was faulty. You could also contact the home inspector and clarify exactly what was or...
by Kenkat
Sat Dec 30, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Would you include small cap and international in 401k in ER 0.30-0.78?
Replies: 17
Views: 997

Re: Would you include small cap and international in 401k in ER 0.30-0.78?

I would not let the slightly higher expense ratios of the small cap and international funds prevent you from using them if your investment plan calls for these asset classes. I think the diversification benefit outweighs the slightly higher cost. A second question is whether or not these asset class...
by Kenkat
Sat Dec 30, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 9211

Re: I Want to Buy a Horrible, Expensive Car

You should buy a Camaro because that is what I bought for myself when I got the bug for a non-practical car. So that’s the one, regardless of the fact that it’s totally not what you are looking for. I have one, so it’s the best. Also, you can buy the car or the watch but not both. You have been pret...
by Kenkat
Sat Dec 30, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 10806

Re: Another should i buy my dream porsche thread...

ERISA Stone wrote:
Fri Dec 29, 2017 10:30 pm
Kenkat wrote:
Fri Dec 29, 2017 3:28 pm
If you buy it, you should pull up to the Boglehead’s house, play some AC/DC or Motley Crue and smoke the tires...
There's a Boglehead house? Is this like Animal House?
In a figurative sense, yes. There’s a Honda parked in the driveway. It is about as far from Animal House as you can get!
by Kenkat
Fri Dec 29, 2017 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 10806

Re: Another should i buy my dream porsche thread...

If you buy it, you should pull up to the Boglehead’s house, play some AC/DC or Motley Crue and smoke the tires...