Bogleheads.org

krannerd

For the equipment....craigslist. weights have a reasonable price per pound. It will be a loss....but better than donation.

For the supplements. Good luck.

krannerd

Seeking confirmation about contributing to a non-deductible TIRA (before converting to a Roth). Is there an income minimum for contributing? I thought the minimum income required was at least the value of the contribution made. My personal financial situation is MFJ and I have a working spouse. Her ...

krannerd

I was at the local Toyota dealer just yesterday. They had a beautiful blue TRD Pro Tacoma. On the sticker there was a $5,000 "market adjustment" on top of MSRP. Sales guy's comment is that the TRD Pro sell so fast, they won't consider budging from their price. Not sure if they would never ...

krannerd

I'm in the Tom Bihn cult. Well built, looks good and holds a ton of stuff.

I have the tri-star...fits in the overhead bin of any RJ and fits under the seat of a mainline aircraft. I can get 4 days of clothes and a laptop in there.

Highly recommend.

krannerd

I did 6 days in the Galapagos with Lindblad (affiliated with National Geographic). The cruise was as active as you wanted to be with snorkeling, hiking, kayaking. There were many shore excursions with knowledgeable guides and even lectures on topics of interest. The food was very good (so you could ...

krannerd

It depends on your company policy. HR should have a summary policy description which answers those questions.

Some also have additional benefits if you're laid off as part of an acquisition.

krannerd

I tend to go with more value priced ingredients (Cuervo/Sauza for Tequila and DeKuyper/Mr.Boston for Triple Sec) for Margaritas. I've experimented with the higher quality liquors and don't find that the drink tastes any better. The quality of the mix is important and I serve a "lite" mix (...

krannerd

I'm seeking advice on a contribution strategy for my 401k. My employment with current company will be ending on June 30 and employment with a new company is not yet determined. I'm trying to think about how to put myself in a position to fully fund a 401k this year but also leave space for future em...

krannerd

My experience is that there is 1 full business day between funding an IRA and being able to convert....the same for time that the conversion takes.

So, of you funded the IRA today , you can convert on Wednesday. And you,could purchase funds in the converted IRA on Friday.

krannerd

I did not care for Madrid. The night life wasn't a draw and I don't like having dinner at 10PM. There was some interesting architecture, but not enough to keep my interest.

I was there for a week (school related) and would not go back.

krannerd

I had a 2004 Z4 3.0 for 6 years. It was a complete blast to drive and was generally trouble free. This car was therapy for me to drive to/from work. Living in AZ, the top was down at least 1 way to/from the office for 9 months out of the year. My wife did not like it as it sat too low for her and sh...

krannerd

I've used CIBT for my work related visas to China. It was quite seamless. They now offer a service ($$) where they'll print digital pictures for you instead of having to go get a specific passport photo. I'm not sure of the rates for this service, but it's $200+ (depending on timing that you need). ...

krannerd

OP, Based on the numbers you provide, I think you could hold out almost indefinitely in an unemployed state. Unemployment in Illinois will pay out $613 for you and child weekly (and possibly an additional $419 for your working spouse...not sure about total family benefits allowed). So...best case yo...

krannerd

What is the water pressure setting for your boiler? I have a 70's vintage boiler and the water pressure greatly affects upstairs temps. If upstairs is cold, I add water. If it's hot, I wait for the pressure to drop. Realize that you have a newer boiler....Any chance that a tune up would help? Anothe...

krannerd

What will happen if the person with the largest salary loses their job? Will you be able to make the house payment and associated costs without touching emergency? OP, I'm going to 2nd this sentiment. My wife and I bought a nice house that we could afford on 1 income (even though we were both worki...

krannerd

You should dress for the activities that you're planning to undertake while on vacation. Minnesotan here who spends time outside in the winter....and I've got multiple layers of different gear depending on activity. Basically: layers, layers, layers. Wicking undergarments if you're going to sweat at...

krannerd

At current levels I don't particularly want to buy stocks or bonds. I've been worried about both stocks and bonds being overvalued for years now...everything is always too expensive and doomed to drop in value soon. Luckily, I continued to plow along with automatic investments according to my asset...

krannerd

Agree with the posters above that suggest you complete the survey with information that you would say publicly and have on the record. I avoid these whenever possible and put in only the minimum when asked. It sounds like this is a small survey for your department only. If administered by HR, I woul...

krannerd

I've had two of this Cuisinart model over the past fifteen years. . My wife got me one of these for Christmas years ago....not a big fan of it. Toasting is slow (3-4 minutes) and results are uneven. It's good for cooking things on Thanksgiving and reheating pizza....but, it was unnecessarily expens...

krannerd

International Equity: 27% of all equity, 19% of total portfolio

International Bonds: 0%

Not sure how I got to my target of 25-30% international equity...but think I'll stay about here for a while. After reading this thread...seems like I'm in reasonable company.

krannerd

Totally worth it...and the PreCheck benefits are very nice. A few years ago, I did an international to domestic transit at LAX in 30 minutes (from deplanement to through security 2 terminals away). Basically, I walked up to the Global Entry kiosk, was done there in 30 seconds, handed my printout to ...

krannerd

I can't think of any legitimate bank or financial institution that would either buy or sell rupees outside of India since that is also de facto illegal. Funny that you say this as my local Wells Fargo bank branch is more than willing to order some for me from their foreign exchange desk. I think th...

krannerd

For reducing insurance spend....you can raise deductibles. This assumes that you have enough cash on hand. I've shopped around for a little bit, but have been with State Farm for 20+ years and it's difficult to get other insurers to be close to what I'm paying for home and auto now. Are you interest...

krannerd

I'm in MN and used a local tax prep (bergstrom tax) firm in SW minneapolis to prepare our documents and tax forms. We paid her via bank transfer weekly and paid the taxes quarterly.

I think the costs were $40 per quarter and they knew how to navigate the state agencies.

Hope this helps.

krannerd

Hello All, I've recently ended my relationship with a long term employer and am seeking guidance on options for what to do with my 401k and pension. I'm 39, married and in good financial shape overall (good e-fund, LBYM, etc). 401k: I have good fund choices with low expense ratios. I plan to keep th...

krannerd

Minneapolitan here. Have a 2 stage Ariens and it's almost overkill. I've got a corner lot in the city and a 2 car drive....about 1000 sq ft of surface. Comments about my machine: --it's too heavy for me to transport for repair --it leaves a small layer of snow on the concrete that I shovel...sometim...

krannerd

Tucson AZ 1- Affordable: I think $400k gets you quite a bit there (depending on neighborhood). 2- Liberal leaning city: Typically elect democrats to state office and much more liberal than Phoenix. Not terribly liberal, but left of center 3- Weather: Winter is awesome! Sunny, dry, 50's during the da...

krannerd

I also live in MN and have been blanketed with ads for community solar. Incentives expire this year which explains the marketing blitz. I have read that there are concerns about the viability of the organizations that provide the solar energy. The 25 year contract is what worries me the most about t...

krannerd

Minneapolis here....have AWD and run winter tires for ice performance. When it's -20 for a week and the city's a hockey rink, I like to be able to start and stop more effectively. My wife has FWD and all season tires...huge difference. If you were concerned about the tires....late spring is usually ...

krannerd

Check your county or city website. Many have hazardous waste drop off locations.

You can also Google your city and hazardous waste.....there are sometimes specific days that you can leave these by your trash can.

krannerd

0.11% including all investments. My worst fund is 0.26% (small cap fund in the 401k...working to get rid of this).

krannerd

I've got a 4 year old...not going to over-subscribe him. Last month, he was in swim lessons as the Y for 2 days a week at 30 min each...it's a 5 minute drive. This month, he's playing T-ball at the park 3 blocks away 2 nights a week. 1 activity at a time is about right for us. If he eventually turns...

krannerd

Bought from Brooklyn 6 weeks ago. Good experience and nice product. I got a firm mattress...and it is FIRM.

Get 5%off with a code from mattress underground.

Requires 2 people to move the box.

krannerd

My recommendation....get more quotes. The one contractor you spoke with may only be interested in full replacements and not repairs. You will find others who have different opinions and willingness to work on your roof. You'll also see how much pricing can vary between contractors.

krannerd

Had a pool in Phoenix. It was wonderful. Maintained it my myself and costs were low. It's not hard if you check weekly.

In Minnesota now. No way do I want a pool.

Hope this helps.

krannerd

12 shares of Papa John's Pizza shortly after IPO. Gave it away a few years ago after it was up 2000%....cost basis adjusted was $2 a share and gave it away at $45.

All other investments since have been a disappointment. Hence, I am in index funds now.

krannerd

Why not go on a "fishing expedition" with your current house? You could have several realtors provide you with estimates of the value of your house and compete over their commission. Based on that information of potential sales prices...you could check out alternate neighborhoods and see w...

krannerd

Had a good experience.....got a firm queen...sleeps well. No complaints at all. Moving the box in does require 2 people. How long have you had it? Did you notice it softening as time went on? 10 days so far....too early to tell. However...it is firm. Little motion transfer when I move. The side of ...

krannerd

Had a good experience.....got a firm queen...sleeps well. No complaints at all.

Moving the box in does require 2 people.

krannerd

4% in REITs and 3% in commodities as part of a target date retirement fund.

krannerd

12 funds / tickers 1 employer stock fund (tiny) 3 appreciated equity positions 2 Bond funds (different accounts) 1 S&P 500 Index 2 Small / Midcap US Index 1 Total US Index 1 International Index 1 Retirement Target Date fund Down from 18 a few years ago. My target is to consolidate the 500 index ...

krannerd

barnaclebob wrote:Yes...

Violently agree with this!

krannerd

I agree that health care - dentist/surgeons/physicians and other jobs like nursing etc are great. They pay well, are recesson proof and can't be off shored. My dentist and I had a conversation about this...he noted that he (and his peers) are afflicted with repetitive stress injuries in their hands...

krannerd

My news habits reflect others who have already posted: NY Times, WSJ, Economist (paid subscriptions to all 3). My rationale is that I get the perspectives of the left, right and international journalists. My local paper (Star Tribune) is mainly wire reports, adverts and discussions of local notables...

krannerd

The furnace has been working just fine. However, it sits in a closet with a vented door, through which CO may leak from (which appears to violate current building code). None of the smoke detector/CO alarms have ever gone off though. I suggest getting a CO detector with a display that will read low...

krannerd

$0.75 for every $1.00 contributed up to 8% of salary after 8 years of service. The match is up to 4% for the first 8 years of service. We have good choices with reasonable fees...and the fees have declined in the last few years. I am still covered under a pension that is not terribly generous...but ...

krannerd

I started my MBA with 2 years of experience at a top 25 school. I think that 1 more year would have made a difference for me...more experience would have made the work more relevant. If you're planning on attending a Top 10 type school...even more experience may make you a more viable candidate. I s...

krannerd

We have a letter carrier who is the primary carrier for our house. He's nice and friendly. One year he got a plate of Christmas cookies from us...said he loved the fudge...so, now he gets fudge each year. I've not done this elsewhere...but our letter carrier is a neighborhood fixture and we treat hi...

krannerd

I do not have suitcase locks. One time, years ago, someone opened my bag after it was checked and put on someone else's lock by mistake. I carry on anything of value...let the baggage thieves have my dirty clothes...on the rare occasion that I check a bag. In seriousness...a slightly determined thie...

krannerd

Think first about how big the ladder is in it's closed position, and if/how to angle that into the house and up. My house is much smaller, but no way could I get my 24 foot extension ladder in through the door without hitting a wall. This! I have an 8' step and it is a pain...bouncing off of ceilin...

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