Search found 4380 matches

by Kenkat
Mon Dec 10, 2018 7:00 pm
Forum: Investing - Theory, News & General
Topic: Article: Your love of index funds is terrible for our economy
Replies: 40
Views: 3661

Re: Article: Your love of index funds is terrible for our economy

I think it’s more like your love of index funds is terrible for my newsletter.
by Kenkat
Mon Dec 10, 2018 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: SPIA or CD Ladder
Replies: 22
Views: 1684

Re: SPIA or CD Ladder

You might also look into switching your wife over to the 50% spousal benefit when you retire if you qualify and haven’t considered this already. that’s what I thought of first when the OP was giving info; if she didn’t start until FRA for her benefit then she should switch to half of spouse when he...
by Kenkat
Sun Dec 09, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: SPIA or CD Ladder
Replies: 22
Views: 1684

Re: SPIA or CD Ladder

You might also look into switching your wife over to the 50% spousal benefit when you retire if you qualify and haven’t considered this already.
by Kenkat
Sun Dec 09, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: New QUIET Tires for Accord
Replies: 37
Views: 2469

Re: New QUIET Tires for Accord

I had the Pirelli P7’s on my 2005 Camry and they did not wear well at all. I think the tires that have longer life are going to be noisier because the rubber is harder. I don't think you are going to get a quiet tire and a long life tire. Pick one or the other. That is probably true but the P7’s ar...
by Kenkat
Sat Dec 08, 2018 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: What am I not getting about the value of TIPS funds?
Replies: 23
Views: 2136

Re: What am I not getting about the value of TIPS funds?

They are insurance against something that hasn’t come to pass - inflation. Inflation can be a big threat to things retirees depend on - fixed pensions, savings accounts, etc. The question is whether inflation is the last war or is it just sleeping, waiting to re-awaken at some point?
by Kenkat
Sat Dec 08, 2018 5:08 pm
Forum: Personal Consumer Issues
Topic: Microsoft : Edge Being Replaced by Chromium
Replies: 15
Views: 1676

Re: Microsoft : Edge Being Replaced by Chromium

For various reasons I just read that Microsoft is replacing Edge with Chromium - does anyone know when and how ? via Windows Update ?? This is essentially Microsoft granting google a monopoly on browser technology. Really bad for everyone. (Except google.) Microsoft had a monopoly on browser techno...
by Kenkat
Sat Dec 08, 2018 5:08 pm
Forum: Personal Consumer Issues
Topic: Microsoft : Edge Being Replaced by Chromium
Replies: 15
Views: 1676

Re: Microsoft : Edge Being Replaced by Chromium

@mariezzz - One thing that really holds Firefox back is that they don’t really have a way to promote the Firefox browser. Microsoft was able to bundle theirs with the Windows OS. Once Internet Explorer got good enough, people started using it instead of Netscape Navigator. Back when I was still writ...
by Kenkat
Sat Dec 08, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: PC Build Suggestions
Replies: 28
Views: 1754

Re: PC Build Suggestions

Should be a nice system.

You will need thermal paste between the CPU and cooler; the cooler probably comes with some.

What are you using for your operating system?

Work slowly and carefully and you should be fine. I’ve been through two builds and several upgrades with my kids’ gaming PCs.
by Kenkat
Sat Dec 08, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Microsoft : Edge Being Replaced by Chromium
Replies: 15
Views: 1676

Re: Microsoft : Edge Being Replaced by Chromium

For various reasons I just read that Microsoft is replacing Edge with Chromium - does anyone know when and how ? via Windows Update ?? This is essentially Microsoft granting google a monopoly on browser technology. Really bad for everyone. (Except google.) Microsoft had a monopoly on browser techno...
by Kenkat
Sat Dec 08, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Microsoft : Edge Being Replaced by Chromium
Replies: 15
Views: 1676

Re: Microsoft : Edge Being Replaced by Chromium

It’s still going to be called Edge; Chromium is just the rendering engine under the hood. This is still a significant step, but you’ll probably just get a new version Edge at some point in an update. Many browsers are built on engines like this - for example, Safari uses the Webkit rendering engine....
by Kenkat
Sat Dec 08, 2018 8:33 am
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 139
Views: 11820

Re: Who else is getting excited? [about the market]

The change in this post’s title “Who else is getting excited? [about the market]” has made we want to start a new post:

Who else is getting excited? [Santa is coming]

...because he is...
by Kenkat
Sat Dec 08, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: iPad Pro vs Microsoft Surface
Replies: 15
Views: 1516

Re: iPad Pro vs Microsoft Surface

I have experienced the disappearing cursor on my iPad Pro. I’ve got to think this is an iOS bug that got introduced with iOS 12 and will be fixed at some point. I would lean towards the iPad unless you are specifically looking for something that can run Windows. My son has an older Surface tablet fo...
by Kenkat
Fri Dec 07, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: Root Canal - dentist or endodontist
Replies: 46
Views: 3344

Re: Root Canal - dentist or endodontist

Team Endodontist here.
by Kenkat
Fri Dec 07, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Occlusal guard (night guard) from dentist vs online
Replies: 10
Views: 874

Re: Occlusal guard (night guard) from dentist vs online

My wife got one from our dentist; it was $350 but they also said if it didn’t get covered by insurance, they would discount it to $50. So it wasn’t covered by our insurance and so they gave us a $300 courtesy discount. You might ask you dentist if there is a discount for a cash price or non-insuranc...
by Kenkat
Fri Dec 07, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: County not accepting 2018 property taxes in 2018 - need help with ideas.
Replies: 138
Views: 6706

Re: County not accepting 2018 property taxes in 2018 - need help with ideas.

Yes, but it would be useful to know whether those that can prepay their taxes in 2018 can deduct them on their 2018 tax forms. Agreed. I think the IRS guidance is fairly useful in this regard. Since the Hamilton County escrow arrangement appears to be based on an estimate (using the prior year tax)...
by Kenkat
Fri Dec 07, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Do I have a rebate, subsidy, savings for you!
Replies: 23
Views: 1953

Re: Do I have a rebate, subsidy, savings for you!

I think retail has learned that people love a sale and thinking they got a good deal. The key to buying things today that didn’t really exist in the old days is access to information. Pricing has become much more transparent if you chose to look and do some research. Some people don’t chose to do th...
by Kenkat
Fri Dec 07, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: County not accepting 2018 property taxes in 2018 - need help with ideas.
Replies: 138
Views: 6706

Re: County not accepting 2018 property taxes in 2018 - need help with ideas.

From Chip: My county does not have an escrow payment system like that of Hamilton County. Even if it did, I would personally be concerned that those payments would not be federally deductible, given that they would be estimated payments and therefore not deductible according to the IRS guidance you ...
by Kenkat
Thu Dec 06, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: County not accepting 2018 property taxes in 2018 - need help with ideas.
Replies: 138
Views: 6706

Re: County not accepting 2018 property taxes in 2018 - need help with ideas.

If the state hasn’t provided the info to the county, how is Hamilton county Ohio able to get payments prior to assessment (as posted above)? http://www.hamiltoncountyohio.gov/government/departments/treasurer/t_o_p_program I don't know the answer to that. Speculating, they are using last year's amou...
by Kenkat
Thu Dec 06, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: New QUIET Tires for Accord
Replies: 37
Views: 2469

Re: New QUIET Tires for Accord

Funny to read this post as I just got new tires for a Honda Accord LE. I used Consumer Reports best rated tires report and got the General Altimax RT 43 (T). I wasn't looking for noise reduction more interested in snow and ice actually BUT the car is noisy. I noticed the car was less noisy after ge...
by Kenkat
Thu Dec 06, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: 2019-Toyota Camry Hybrid XLE /w JBL,Driver Assist - Negotiate
Replies: 19
Views: 1457

Re: 2019-Toyota Camry Hybrid XLE /w JBL,Driver Assist - Negotiate

I configured your car on carsdirect.com to get an idea of pricing. This is a buying service so should represent a “good” price but you should be able to beat even this price with some negotiation. Here are the numbers: MSRP PRICING:$38,215 INVOICE PRICING:$35,761 Target Price:$35,461 There may be so...
by Kenkat
Thu Dec 06, 2018 9:49 am
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 139
Views: 11820

Re: Who else is getting excited?

I’m excited until it gets bad enough that it turns into a recession and my neighbor loses his job. Or worse, it becomes a depression and I lose my job.
by Kenkat
Wed Dec 05, 2018 9:54 pm
Forum: Investing - Theory, News & General
Topic: Anybody Miss the Crypto Rage on BH Forums
Replies: 96
Views: 6863

Re: Anybody Miss the Crypto Rage on BH Forums

Tobacco has enough problems dealing with the upstart vape industry unless they still wield enough power to have them shut down. Now beer and alcohol, that’s not going away anytime soon... My kid was mining Bitcoins with his gaming computer while at school all day when they were going for $10/ea. Boy...
by Kenkat
Wed Dec 05, 2018 7:32 pm
Forum: Investing - Theory, News & General
Topic: Anybody Miss the Crypto Rage on BH Forums
Replies: 96
Views: 6863

Re: Anybody Miss the Crypto Rage on BH Forums

I am honestly surprised that Bitcoin has held up as well as it did. It stayed around $6k for several months. I wonder where the bottom will be now that it has begun to fall again?
by Kenkat
Wed Dec 05, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Regarding iPhone. Is there an app for day vs night?
Replies: 13
Views: 1272

Re: Regarding iPhone. Is there an app for day vs night?

This is a frustrating thing for everyone involved. My father in law would call us at 4am asking when we would be there to take him to the bank...then again at 5:30am. Takes a lot of patience.
by Kenkat
Wed Dec 05, 2018 12:48 pm
Forum: Investing - Theory, News & General
Topic: The best way to invest is through benign neglect
Replies: 16
Views: 2057

Re: The best way to invest is through benign neglect

Benign neglect, bordering on sloth!
by Kenkat
Wed Dec 05, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: New QUIET Tires for Accord
Replies: 37
Views: 2469

Re: New QUIET Tires for Accord

I had the Pirelli P7’s on my 2005 Camry and they did not wear well at all. I know they are highly rated on Tire Rack but that was my experience. I have had good luck with Goodyear ComforTred as a good tire with good wear and quiet performance.
by Kenkat
Wed Dec 05, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: County not accepting 2018 property taxes in 2018 - need help with ideas.
Replies: 138
Views: 6706

Re: County not accepting 2018 property taxes in 2018 - need help with ideas.

Do you have any idea what the “Ohio Attorney Generals (sic) Decision” was? I live in Hamilton County, Ohio and I have been using what is called the Tresurer’s Optional Payment program to pre-pay my taxes due in January 2019. This is a program specific to Hamilton County but they are collecting taxe...
by Kenkat
Wed Dec 05, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Home Question, What Would You Do?
Replies: 21
Views: 2055

Re: Home Question, What Would You Do?

I was in a similar situation long ago. 2 year old with another on the way. Two story house that was nice, but small living space in relation to bedrooms, busy street and less than ideal yard. We moved to a new house 50% more expensive - ranch home on a dead end cul de sac with a super nice yard. One...
by Kenkat
Wed Dec 05, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: County not accepting 2018 property taxes in 2018 - need help with ideas.
Replies: 138
Views: 6706

Re: County not accepting 2018 property taxes in 2018 - need help with ideas.

Do you have any idea what the “Ohio Attorney Generals (sic) Decision” was? I live in Hamilton County, Ohio and I have been using what is called the Tresurer’s Optional Payment program to pre-pay my taxes due in January 2019. This is a program specific to Hamilton County but they are collecting taxes...
by Kenkat
Tue Dec 04, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Yamaha Stereo + 2 x Elac B6.2 Speakers: What Next?
Replies: 11
Views: 801

Re: Yamaha Stereo + 2 x Elac B6.2 Speakers: What Next?

I have a Yamaha RX-V381; I have 4 Paradigm in wall 2 way speakers, a Klipsch center channel speaker and a Sony subwoofer. I think you are going in the right order - sub, center, rears. A sub makes a huge difference for movies; I am of the opinion that you don’t have to spend a fortune on a sub to ge...
by Kenkat
Tue Dec 04, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Should I put more into my IRA each month?
Replies: 14
Views: 1149

Re: Should I put more into my IRA each month?

One of the best things you can do when you are young is to save as much as you can. So, yes, the more you can save, the better. In the IRA is fine as long as you have a little money set aside to cover something unexpected. Asset allocation is relatively unimportant when you are starting out as your ...
by Kenkat
Tue Dec 04, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Why Is Insurance Worth It (Analytically)?
Replies: 89
Views: 4175

Re: Why Is Insurance Worth It (Analytically)?

1. Health Insurance - can you afford a catastrophic cancer diagnosis where medical expenses might run upwards of a million dollars? Are you willing to forgo care for one of your children or declare bankruptcy and wipe out most of your assets? 2. Property Insurance - are you able to absorb a complete...
by Kenkat
Mon Dec 03, 2018 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: [Bond returns are currently negative. Why should I buy bonds now?]
Replies: 8
Views: 1274

Re: [Bond returns are currently negative. Why should I buy bonds now?]

The returns WERE negative. You don’t know what the returns will be from this point forward, but you do know the yield (interest) that will be paid will be higher than money market funds. If interest rates continue to rise, this will negatively impact the fund price. That’s what has happened over the...
by Kenkat
Mon Dec 03, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5140

Re: Do you get a year end bonus?

10% of salary base, adjusted upwards or downwards based on overall company sales, operating income and personal performance. If certain thresholds are not met, no bonus is paid out. That has only happened once, in 2009.
by Kenkat
Sun Dec 02, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: Transfer iphone photos to Windows 10 PC
Replies: 12
Views: 752

Re: Transfer iphone photos to Windows 10 PC

TomatoTomahto wrote:
Sun Dec 02, 2018 2:41 pm
Kenkat wrote:
Sun Dec 02, 2018 2:26 pm
TomatoTomahto wrote:
Sun Dec 02, 2018 1:30 pm
^ or install iCloud on your PC.
^ this is a pretty easy way to do it - you could also install Google Photos on the iPhone depending on who’s ecosystem you want to live in.
OP has iphones, so I assumed, perhaps wrongly.
There is a Google Photos app for iOS so you could go either route.
by Kenkat
Sun Dec 02, 2018 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 120
Views: 10805

Re: Retirement itch- when did you get it?

Not sure if I’m ready financially as I feel I could live for a few more decades, but between some work disillusionment and seeing mortality for what it really is, I am getting the bug. I could have written that myself. I think when I turned 54, I started thinking “oh, I’m turning 55 next January (2...
by Kenkat
Sun Dec 02, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Transfer iphone photos to Windows 10 PC
Replies: 12
Views: 752

Re: Transfer iphone photos to Windows 10 PC

TomatoTomahto wrote:
Sun Dec 02, 2018 1:30 pm
^ or install iCloud on your PC.
^ this is a pretty easy way to do it - you could also install Google Photos on the iPhone depending on who’s ecosystem you want to live in.
by Kenkat
Sun Dec 02, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: What percent of Managers beat the market BEFORE fees?
Replies: 94
Views: 5928

Re: What percent of Managers beat the market BEFORE fees?

What percent of Managers beat the market before they charge their Fees? According to S&P research, about 20% of U.S. domestic equity funds beat the market before fees. It drops to 12% after fees. https://us.spindices.com/documents/research/research-spiva-institutional-scorecard-how-much-do-fees-aff...
by Kenkat
Sat Dec 01, 2018 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Saving for Retirement when one has a Pension
Replies: 60
Views: 5752

Re: Saving for Retirement when one has a Pension

If you will receive social security at 65/67, you may only need to cover the gap for fewer years, so you may need a little less. For example, if you wanted to retire at 55, then you really only need to cover the extra 20-25% for 10 years until social security kicks in.

It gets complicated quick.
by Kenkat
Sat Dec 01, 2018 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Saving for Retirement when one has a Pension
Replies: 60
Views: 5752

Re: Saving for Retirement when one has a Pension

If you have a retirement income target of 80% of your pre-retirement income and you have a pension that will provide 55-60% of pre-retirement income, then I would target your savings to be able to generate 20-25% of pre-retirement income. In other words, you need to make up the gap. When you say you...
by Kenkat
Sat Dec 01, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: United HealthCare
Replies: 27
Views: 1964

Re: United HealthCare

I have had UHC for several years as an employer sponsored plan. As mentioned above, my company self insures the plan - UHC is just the plan administrator. We’ve had no issues. They have covered everything they are supposed to and have never denied a claim that I expected to be paid. Nearly every pro...
by Kenkat
Sat Dec 01, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 117
Views: 10015

Re: Why is Costco gas so much cheaper

Here Costco is $1.94 today; nearby locations range from $1.98 for Thorton’s to $2.09 for Shell / Sunoco.
by Kenkat
Fri Nov 30, 2018 10:39 am
Forum: Investing - Theory, News & General
Topic: Where do the losses in HY show up? [High Yield bonds]
Replies: 55
Views: 3841

Re: Where do the losses in HY show up?

Also keep in mind that a bond doesn’t have to default to generate a capital loss. Since the Vanguard fund holds higher rated junk, a bond that drops in credit quality make take a loss and be sold by the fund because it no longer meets its credit quality requirements. It seems in the last 10 years th...
by Kenkat
Thu Nov 29, 2018 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Why capital gains only in December
Replies: 4
Views: 564

Re: Why capital gains only in December

Some Vanguard funds will do additional distributions mid-year. I know some of my funds did distributions in June this year so believe.
by Kenkat
Wed Nov 28, 2018 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 55
Views: 3289

Re: Quicken 2019 and forward

Does the subscription go 365 days, or carry you through the end of the 2019 calendar year? Subscription is date to date - 1 year in this case. Cheers If that is the case, I'm inclined to just wait it out. Quicken Deluxe for a year is $30. Is that very unusual to get that low, or is this price not u...
by Kenkat
Tue Nov 27, 2018 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 55
Views: 3289

Re: Quicken 2019 and forward

I just upgraded my Quicken Deluxe 2016 to a 2019 Quicken Deluxe subscription. 2 years for $70. It’s worth it to me. Quicken Deluxe does everything I have needed. It will track cost basis using either Average Cost or lot basis. It will generate the data needed to input into tax software to complete S...
by Kenkat
Mon Nov 26, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: eBay Item not Received
Replies: 20
Views: 1402

Re: eBay Item not Received

Open a case on eBay for item not received. This will require the seller to respond and start the process for obtaining a refund from the seller.
by Kenkat
Sun Nov 25, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Inheriting accounts as a beneficiary - potential issues and practical tips?
Replies: 32
Views: 2174

Re: Inheriting accounts as a beneficiary - potential issues and practical tips?

In my in laws’ case, the taxable assets were held in a revocable family trust with the eldest son named successor trustee. This worked well for us as the successor trustee was able to write checks on the checking account as you mentioned. All siblings are close and get along so that greatly eases th...
by Kenkat
Sat Nov 24, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting accounts as a beneficiary - potential issues and practical tips?
Replies: 32
Views: 2174

Re: Inheriting accounts as a beneficiary - potential issues and practical tips?

I went through this with my wife’s parents who both passed in 2016. My wife was very involved with her parents’ care. Dad always managed the finances with mom having no interest or involvement. When dad began showing signs of cognitive decline, we decided we better get a handle on everything financi...
by Kenkat
Fri Nov 23, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5428

Re: New TV Recommendations Please?

I had a 55in e series Vizio TV lose picture after about a year and a half. I was able to get it fixed for around $125 (the TV repair guy was correct when he guessed the solder joints had cracked between one of two different boards - a common issue). The $125 was covered by a credit card extended war...