Search found 2549 matches

by kenschmidt
Sun Jul 05, 2015 2:24 pm
Forum: Personal Consumer Issues
Topic: Camera Experts Wanted
Replies: 34
Views: 1750

Re: Camera Experts Wanted

I have a Canon PowerShot SX260 HS that I like a lot, meets many of your requirements and is in your price range. It is a couple of years old so there may be an equivalent newer model or sometimes you can pick up a bargain on the slightly older models.
by kenschmidt
Sat Jul 04, 2015 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Average raises for promotions
Replies: 29
Views: 2601

Re: Average raises for promotions

Based on past experience in consulting, including a stint in what was the "Big 8" morphing to the "Big 6" at the time, you can't really compare consulting and megacorp in my opinion. When you get promoted in a consulting position, your billing rate goes up, directly impacting rev...
by kenschmidt
Sat Jul 04, 2015 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Budget and Housing Question
Replies: 10
Views: 1129

Re: Budget and Housing Question

I think "Independent" has given you some great information to compare against. I would point out that your housing expense / mortgage payment is high by choice. You have chosen a 10 year mortgage which will retire your debt very quickly. As long as you are also saving, it seems like you ar...
by kenschmidt
Sat Jul 04, 2015 11:16 am
Forum: Investing - Theory, News & General
Topic: Aren't we obsessing way too much about our portfolios?
Replies: 45
Views: 3076

Re: Aren't we obsessing way too much about our portfolios?

I haven't changed my asset allocation in over 10 years at this point. Eventually the newness wears off and you end up just posting in the gardening or car threads. :D
by kenschmidt
Fri Jun 26, 2015 10:06 am
Forum: Personal Consumer Issues
Topic: Vehicle suggestions for Tall?
Replies: 43
Views: 2765

Re: Vehicle suggestions for Tall?

I am 6'5" and fit well into my 2005 Toyota Camry. I was even able to get the power sunroof which takes up headroom, so,my guess is that a Camry or Acord should work, especially if you skip the sunroof.
by kenschmidt
Fri Jun 26, 2015 9:58 am
Forum: Personal Consumer Issues
Topic: Backyard conundrum
Replies: 63
Views: 9597

Re: Backyard conundrum

I don't think the OP is up to keeping native plants alive, imho. While grass is inferior, it's hard to kill. Turf grass in Northern California (which is where it sounds like the OP is from) is not going to be easy to establish in the middle of a four year drought and given the current water restric...
by kenschmidt
Thu Jun 25, 2015 9:48 am
Forum: Personal Consumer Issues
Topic: Backyard conundrum
Replies: 63
Views: 9597

Re: Backyard conundrum

Are you sure about the $15k-18k estimate? You are only doing an area of a little over 3000 square feet. Although the 20x40 deck and the patio area will be more expensive; you could cut them down somewhat and do more hardscape or some green space suitable to California as a big green lawn area is pro...
by kenschmidt
Wed Jun 24, 2015 8:32 am
Forum: Personal Consumer Issues
Topic: Best Slat Wall / Pegboard Systems for Garage Storage
Replies: 15
Views: 1817

Re: Best Slat Wall / Pegboard Systems for Garage Storage

Just to add on the peg board - there are some larger sized hooks that use multiple holes and spread the weight across the peg board, allowing you to hang larger or heavier items. I have my Stihl trimmer and an 8 pound railroad pick hanging on the peg board, for example. Not saying that is always the...
by kenschmidt
Tue Jun 23, 2015 10:18 am
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 132
Views: 8634

Re: Convince me not to buy Porsche

If you are going to run a Cayman at the track, you are going to need to plan for tires at least every other year if not yearly depending how much you drive it. I had a buddy who had a Carerra S4 and tires for it ran $2000+ and they were good for about 20k. Are you able to do your own maintenance? Oi...
by kenschmidt
Mon Jun 22, 2015 5:12 pm
Forum: Personal Consumer Issues
Topic: Canoe recommendations
Replies: 23
Views: 1791

Re: Canoe recommendations

The Old Town Discovery series are really nice canoes. Nice balance between rugged construction and comfort; stable and easy to handle.
by kenschmidt
Sun Jun 21, 2015 6:32 pm
Forum: Personal Consumer Issues
Topic: Best Slat Wall / Pegboard Systems for Garage Storage
Replies: 15
Views: 1817

Re: Best Slat Wall / Pegboard Systems for Garage Storage

If you spend some time at Lowe's or Home Depot in the shelving section and the hardware / screws / nuts and bolts section, you will likely find many options. In addition to peg board, I have used wire closet type shelving, a wooden peg system designed for vertical hanging (shovels, rakes, etc.), han...
by kenschmidt
Sun Jun 21, 2015 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Value in Terms of Monthly Benefit
Replies: 8
Views: 1696

Re: Pension Value in Terms of Monthly Benefit

My employer produces a statement at year end that lists the dollar amount of all benefits provided, including salary, healthcare, time off, 401k, pension, etc. For my pension, the amount varies between 10-12% of salary every year. You might do some research around percent of salary contribution for ...
by kenschmidt
Sat Jun 20, 2015 4:44 pm
Forum: Personal Consumer Issues
Topic: Anyone have A/C fail on an older Honda CRV?
Replies: 30
Views: 3224

Re: Anyone have A/C fail on an older Honda CRV?

Looks like $1200 to repair a dead compressor and other parts if it has disintegrated. Garage was well aware of the "Black Death" problem. Probably won't do it, but I'm not sure how much that will knock off the resale or trade-in value of the vehicle. My guess is that it knocks about $1200...
by kenschmidt
Fri Jun 19, 2015 10:02 pm
Forum: Personal Consumer Issues
Topic: Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes
Replies: 21
Views: 2787

Re: Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes

There are not a lot of WWII battlefield sites to see in France beyond Normandy because once the Allies broke out (Operation Cobra), they mostly raced to the German border before they outran their supply lines and had to halt their advance. The links BW1985 posted give a pretty good idea of where to ...
by kenschmidt
Wed Jun 17, 2015 8:00 am
Forum: Personal Consumer Issues
Topic: Help me choose an EXPENSIVE* red wine for a gift
Replies: 22
Views: 2485

Re: Help me choose an EXPENSIVE* red wine for a gift

Opus One is a big name; the is also Rothschild from France if you want a true Bordeaux. Another nice gift idea if you want to add some pizazz is to buy a nice bottle of wine and pair it with some high end stemware from Reidel to appeal to the truly discerning palette that does not just let any glass...
by kenschmidt
Wed Jun 17, 2015 7:56 am
Forum: Personal Consumer Issues
Topic: Paying Over Blue Book Value for Used Car
Replies: 12
Views: 1327

Re: Paying Over Blue Book Value for Used Car

Be sure that whatever tool you are using to get a Blue Book value takes condition and mileage into account. In my experience, low mileage used cars carry a premium that the common Blue Book sources underestimate.
by kenschmidt
Sun Jun 14, 2015 10:43 am
Forum: Personal Consumer Issues
Topic: How to introduce legos to my almost 5 year old boy?
Replies: 15
Views: 1152

Re: How to introduce legos to my almost 5 year old boy?

There's nothing wrong with a little smiley guy here, or a platform with wheels there, but NOT the kind of kit that has an instruction sheet with it to how to build Olaf's Sparkling Igloo. I do agree that some of those kits can be pretty complicated. But my faith in the creative process was renewed ...
by kenschmidt
Sat Jun 13, 2015 7:43 am
Forum: Investing - Theory, News & General
Topic: Here we go again or is it different this time
Replies: 18
Views: 2832

Re: Here we go again or is it different this time

Stocks have been known to have periods of -50% real return (or greater). Positive returns from stocks are no guarantee. There may be a time when you are more than happy that your bond principal is still largely intact. That's why I hold bonds, regardless of the current weather forecast.
by kenschmidt
Thu Jun 11, 2015 8:04 am
Forum: Investing - Theory, News & General
Topic: Vang Total Bond Market, trailing its benchmark?
Replies: 7
Views: 1821

Re: Vang Total Bond Market, trailing its benchmark?

Even with a fund as large as this one, it is not always practical or possible to purchase every bond in the exact ratio needed to replicate the index, so techniques are used to approximate the index by buying a subset of the securities held in the index in order to approximate the overall index whil...
by kenschmidt
Sat Jun 06, 2015 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: New CC expiration date but same card number - do I have to update auto pays?
Replies: 11
Views: 1362

Re: New CC expiration date but same card number - do I have to update auto pays?

It may not be necessary. There are services that merchants can subscribe to that will update customer card information automatically - for example:

http://www.cybersource.com/products/pay ... t_updater/
by kenschmidt
Sat Jun 06, 2015 1:03 pm
Forum: Investing - Theory, News & General
Topic: Fidelity study identifies the most successful investors!
Replies: 34
Views: 4507

Re: Fidelity study identifies the most successful investors!

“All of humanity's problems stem from man's inability to sit quietly in a room alone.”
― Blaise Pascal, Pensées

Dead people apparently don't have this issue.
by kenschmidt
Sat Jun 06, 2015 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Index versus active management
Replies: 11
Views: 1065

Re: Index versus active management

Primecap and Capital Opportunity are both funds with very low turnover and low expense ratios and so they can be expected to perform competitively with index funds. They also hold more mid-cap stocks and so that also accounts for some of the difference. But they are good funds and management has add...
by kenschmidt
Thu Jun 04, 2015 8:36 pm
Forum: Personal Consumer Issues
Topic: Home Network Security - Minecraft
Replies: 12
Views: 1205

Re: Home Network Security - Minecraft

We ran a Minecraft server on a laptop with a bad video card a few years ago; you just open / forward a port on your router and give people your IP and they remote in and the router sends them to the server machine via the IP. They cannot see the other computers on your network and you can whitelist ...
by kenschmidt
Thu Jun 04, 2015 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Disability Coverage
Replies: 9
Views: 660

Re: Long Term Disability Coverage

You can also get a supplemental DI policy that will cover the difference between what the Group LTD policy will pay and what you probably actually need to live if you are actually disabled. Typically, you will pay taxes on the Group LTD proceeds, so your 60% coverage may only equate to 45-50% of inc...
by kenschmidt
Tue Jun 02, 2015 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market
Replies: 12
Views: 2005

Re: Vanguard Prime Money Market

That explains the $0.02 dividend payment this month - up from its normal $0.01.
by kenschmidt
Mon Jun 01, 2015 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Age to Take Social Security: The Ideal and the Reality
Replies: 31
Views: 5405

Re: Age to Take Social Security: The Ideal and the Reality

A lot of people I have talked to feel they have worked their entire life, are concerned about the future of social security and want to start taking their money as soon as they can while they can still enjoy it. A decision with a lot of emotion tied in with it.
by kenschmidt
Sun May 31, 2015 7:05 pm
Forum: Personal Consumer Issues
Topic: Which grocery stores do you shop at and why?
Replies: 93
Views: 6229

Re: Which grocery stores do you shop at and why?

We mostly split between Kroger and WalMart, with the occasional visit to Sam's Club, a local grocery chain, a local meat market and a local bakery. Edit - oops, missed the why part... Kroger for good balance of quality and price, WalMart because prices are good, Sam's for things you can't easily fin...
by kenschmidt
Sun May 31, 2015 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Pros and Cons
Replies: 3
Views: 604

Re: PROS AND CONS

If you don't mind working until age 70, it will almost always be to your financial advantage to do so. The only situation that might change that would be an early retirement package if offered.
by kenschmidt
Sun May 31, 2015 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance and marriage
Replies: 4
Views: 707

Re: Health insurance and marriage

I don't think you are missing anything. Take advantage of your employer provided benefits for as long you are both still working.
by kenschmidt
Sun May 31, 2015 8:35 am
Forum: Personal Finance (Not Investing)
Topic: LTD - Metlife Vs. Guardian - Help me!
Replies: 8
Views: 1069

Re: LTD - Metlife Vs. Guardian - Help me!

My agent advised me not to go with Standard, as they might not be much suitable to my occupation What does your agent advise vis-a-vis this decision? Is this a supplemental policy (i.e., you have some coverage with your employer and this fills the gap)? Or is this it if you are disabled? It is hard...
by kenschmidt
Sat May 30, 2015 2:50 pm
Forum: Personal Consumer Issues
Topic: Pricing a used dryer
Replies: 13
Views: 1235

Re: Pricing a used dryer

It is listed on Sears website at $949.88. It's a high end dryer in my book. Do you need a dryer? Do you want a high end dryer? If the answer to these is yes, I'd maybe offer them 50% of the value (up to $500); if you don't really need a dryer that bad or would be happy going out and buying something...
by kenschmidt
Wed May 27, 2015 6:46 pm
Forum: Personal Consumer Issues
Topic: Best Kid Toys
Replies: 32
Views: 2666

Re: Best Kid Toys

Bikes and scooters with PPE. But not electric cars for $240. What's up with that? I always wanted one as a kid so I can live vicariously through him. He said it was the best present ever so I think it was worth it. He has a ball driving his sister and friends around in it. Not a Boglehead purchase ...
by kenschmidt
Mon May 25, 2015 8:00 pm
Forum: Personal Consumer Issues
Topic: Do-it-yourself handy person: How did you learn?
Replies: 41
Views: 4855

Re: Do-it-yourself handy person: How did you learn?

I learned most of my car repair and home repair skills from my dad. There wasn't too much he wouldn't repair and so I just sort of learned along with him. A lot of it is just having the confidence to try things and be willing to accept the occasional misstep. I learned outdoor and landscaping skills...
by kenschmidt
Mon May 25, 2015 1:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: Memorial Day
Replies: 18
Views: 1444

Re: Memorial Day

I watched the Memorial Day concert on PBS last night. It was a very moving tribute to both those who gave their lives in defense of our nation as well as those who were left severely injured and had to put together a life that was very different from what they had when they left. Theodore Strong, a ...
by kenschmidt
Mon May 25, 2015 10:15 am
Forum: Personal Consumer Issues
Topic: Home Remodel - too many decisions, need help!
Replies: 14
Views: 1603

Re: Home Remodel - too many decisions, need help!

A general piece of advice I would give is to focus spending on things that are very cheap to do now and very expensive to do later. If budget is not an issue, you don't have to worry about this, otherwise you do. Even if budget is not an issue, focus your energies on the hard to re-do items. If you ...
by kenschmidt
Sat May 16, 2015 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Switching Disability Insurance - From Guardian to Principal for Family Medicine
Replies: 6
Views: 629

Re: Switching Disability Insurance - From Guardian to Principal for Family Medicine

Mental health and nervous disorders are a leading cause, if not THE leading cause, of disability claims for physicians, so that limitation is something to consider.
by kenschmidt
Fri May 15, 2015 8:36 pm
Forum: Personal Consumer Issues
Topic: passport card faster than passport?
Replies: 34
Views: 2736

Re: passport card faster than passport?

We are traveling to Canada in June; we received our passport cards today - 4 weeks turnaround time for us. Applications were submitted Friday, April 17 near end of day. The post office told us they were running about three weeks turnaround but it took four weeks in our case.
by kenschmidt
Thu May 14, 2015 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Employer Contribution 60%?
Replies: 29
Views: 1275

Re: Employer Contribution 60%?

Also has anyone heard of employer contributions without employee contributions? Yes. Those could be a profit sharing plan or an employer funded defined contribution plan. At my company, I am in a pension plan but new employees are entered into a defined contribution plan where the company contribut...
by kenschmidt
Sat May 09, 2015 8:35 pm
Forum: Investing - Theory, News & General
Topic: "Should We Teach Teenagers to Trade?"
Replies: 30
Views: 2354

Re: "Should We Teach Teenagers to Trade?"

My youngest son is taking a Personal Finance class in high school and they are doing a similar "contest". It is not sponsored by anyone and there are no prizes (he is getting college credit for the course though!). I think it has been a net positive as it prompted a conversation similar to...
by kenschmidt
Sat May 09, 2015 8:30 pm
Forum: Investing - Theory, News & General
Topic: Active vs. Passive: Real life comparison
Replies: 9
Views: 1086

Re: Active vs. Passive: Real life comparison

ZZZ Fund Company wouldn't happen to be T. Rowe Price, would it? Because if so, T. Rowe Price, while active, is still pretty low cost and low turnover. And that's the big thing when it comes to performance index vs. active. So I would expect those funds to do well (I own a couple in my 401k actually)...
by kenschmidt
Sat May 09, 2015 11:44 am
Forum: Personal Finance (Not Investing)
Topic: NYT: 2% rebate credit cards; will they last?
Replies: 30
Views: 3747

Re: NYT: 2% rebate credit cards; will they last?

The fact that credit car company's charge an interchange fee and what that fee is, is entirely irrelevant to the consumer decision to use a cc or which one. I'm not 'paying for it either way'. I'm paying 1-2 or whatever % less by using the card compared to not using the card, assuming I can't perso...
by kenschmidt
Sat May 09, 2015 11:19 am
Forum: Personal Consumer Issues
Topic: Backyard playsets - worth it?
Replies: 22
Views: 2870

Re: Backyard playsets - worth it?

My two sons have since moved on to cars, but we got a ton of use out of ours. I would look for something with at least two swings, a sandbox, slide and clubhouse above the sandbox. All of these got use over the years. I went the metal and plastic route since my backyard is pretty secluded and appear...
by kenschmidt
Sat May 09, 2015 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Selling condo should I replace carpeting?
Replies: 15
Views: 1712

Re: Selling condo should I replace carpeting?

My mother and father in law just sold a condo and their realtor recommended replacing the carpet. I would probably do that although the hardwood floor idea isn't bad either. Although people may want to pick their own color, many just want a move in ready unit and I think old carpet will negatively a...
by kenschmidt
Sat May 09, 2015 9:50 am
Forum: Personal Finance (Not Investing)
Topic: NYT: 2% rebate credit cards; will they last?
Replies: 30
Views: 3747

Re: NYT: 2% rebate credit cards; will they last?

It would probably be better if they actually lowered the merchant interchange fees to what they actually cost instead of this rebate game where it is cheaper for the consumer to use a card than any other form of payment (after rebate of course). It's not cheaper to the merchant of course so the cons...
by kenschmidt
Wed May 06, 2015 3:40 pm
Forum: Forum Issues and Administration
Topic: UI issues (especially iPad)? please evaluate alternate styles
Replies: 41
Views: 4567

Re: UI issues (especially iPad)? please evaluate alternate styles

The current style choice works well for me on my computer, my iPad (in both portrait and landscape modes) and on my Android Note 4 phone. It's what I used before, so I hope it doesn't change as the default. Adding one or more additional options is fine, but please don't take this one away as the de...
by kenschmidt
Wed May 06, 2015 3:32 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 9075

Re: Truecar -- isn't this just a car buying scam?

I would be willing to bet a large sum of money you'd have gotten that same price with Truecar and that the salesmen were just shuffling incentives behind the scenes to make it look like they were coming in under Truecar. A VERY large sum of money. Like I said, Truecar is just the MAX you will pay w...
by kenschmidt
Tue May 05, 2015 7:17 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 9075

Re: Truecar -- isn't this just a car buying scam?

You haven't completed the process either if you haven't actually gone to the dealer to see if they will honor their quote. Too many stories that you can find with a search about folks who did that and got the old bait and switch. The dealer quote means nothing unless it is *guaranteed. No, I have. ...
by kenschmidt
Sun May 03, 2015 12:14 am
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 9075

Re: Truecar -- isn't this just a car buying scam?

In my case, sticker was $32995, negotiated price was $28,106.

All price quotes, including the TrueCar price, were quoted price + $250 deal prep (standard per Ohio law) + tax, title and registration.

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