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Re: Favorite chocolate candy

Dammit now I'm hungry!
by kenschmidt
Sat Feb 28, 2015 11:08 am
 
Forum: Personal Consumer Issues
Topic: Favorite chocolate candy
Replies: 37
Views: 2021

Re: Favorite chocolate candy

I like See's a lot. It used to be a special item I would purchase when I flew somewhere west, but now they also sell it at the Cincinnati airport, so some of the scarcity allure is gone. That hasn't stopped me from buying it though... :D There is a local candy maker based in Dayton, OH called Esther...
by kenschmidt
Sat Feb 28, 2015 11:04 am
 
Forum: Personal Consumer Issues
Topic: Favorite chocolate candy
Replies: 37
Views: 2021

Re: physicians [Frustrated, considering early retirement]

I have no idea why so many regret our career choices but it seems rather common. Work is hard. You make compromises and sacrifices to make a living. I am not a physician but I know it is a hard, stressful job. But you can make a lot of money doing it. Just to have the option to retire at 45 or 50 o...
by kenschmidt
Wed Feb 25, 2015 10:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 8725

Re: New or Used Honda Odyssey

You should look at the cost per year of expected use. Let's say you expect a new vehicle to last you 10 years, then 33K/10 = 3.3K per year. The 2012 has 7 years left in a 10 year projection, so $25K/7 = 3.57K per year. Not only is the used one going to be more expensive to buy, but the best and mos...
by kenschmidt
Wed Feb 25, 2015 6:53 pm
 
Forum: Personal Consumer Issues
Topic: New or Used Honda Odyssey
Replies: 20
Views: 1014

Re: Help! I can't afford to eat on my South Beach vacation

This is why I do my beach vacations on the Redneck Riviera, where you can rent a condo with a kitchen, park your late model minivan out front and shop for food at Wal-Mart. One year, we really splurged and rented a condo with a covered parking spot and shopped at Publix.

I know, crazy.
by kenschmidt
Mon Feb 23, 2015 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Help! I can't afford to eat on my South Beach vacation
Replies: 60
Views: 4913

Re: Value investing doesn't even beat the S&P 500

The methodology cited in this article and the also mentioned Dalbar study is flawed and can overstate the performance gap between investor and index returns. As others mentioned, this has nothing to do with value as even straight index investors can seem to suffer the same fate. The Finance Buff doe...
by kenschmidt
Mon Feb 23, 2015 7:47 pm
 
Forum: Investing - Theory, News & General
Topic: Value investing doesn't even beat the S&P 500
Replies: 45
Views: 4313

Re: Problems with Internet Explorer

IE hasn't been worth using since the 90s. You made the right choice. I don't know about that, wasn't Netscape a better option back then :happy . As someone who developed websites back then, Netscape 4 was a disaster compared to Internet Explorer 5 when it first came out. When IE 6 came out, it was ...
by kenschmidt
Sun Feb 22, 2015 5:33 pm
 
Forum: Personal Consumer Issues
Topic: Problems with Internet Explorer
Replies: 24
Views: 1585

Re: 21 lottery winners who blew it all-Business Insider

For every lottery winner that blew it all, I bet there are 20 or 40 or whatever who didn't. People seem to have a fascination with stories revolving around a fall from grace or good fortune, but I bet most don't end up that way. Old farmer joke: When asked what he would do with his recent lottery wi...
by kenschmidt
Sun Feb 22, 2015 5:31 pm
 
Forum: Investing - Theory, News & General
Topic: 21 lottery winners who blew it all-Business Insider
Replies: 7
Views: 1238

Re: To Fence ... Or Not?

I had a neighbor once who used to cut way over into my yard and it bugged me. I just kept cutting my own grass whether it needed it or not. For some reason, it made me feel better about it and I eventually let it go. In your case, I would just keep cutting the same grass he does. I would flatten out...
by kenschmidt
Sun Feb 22, 2015 1:07 pm
 
Forum: Personal Consumer Issues
Topic: To Fence ... Or Not?
Replies: 93
Views: 8159

Re: Worst case scenario

I think you can time box things and maybe get a better answer. For example, after the fall of the Roman Empire, all of Western Europe plunged into the dark ages for 800-1000 years. Things have changed a lot since then of course, but could that happen again? Maybe. That would be a complete loss. But ...
by kenschmidt
Sat Feb 21, 2015 8:46 pm
 
Forum: Investing - Theory, News & General
Topic: Worst case scenario
Replies: 16
Views: 1800

Re: On line product reviews vs Consumers Reports

The challenge I had in the past with Consumer Reports is that it is sometimes difficult to find the exact model reviewed and sometimes there can be differences even within a brand. So for example, a particular model of Whirlpool dishwasher might be a best buy while a second Whirlpool dishwasher is m...
by kenschmidt
Sat Feb 21, 2015 8:33 pm
 
Forum: Personal Consumer Issues
Topic: On line product reviews vs Consumers Reports
Replies: 37
Views: 2584

Re: Worst case scenario

It is honestly not out of the question that you could experience a 100% loss. Unlikely but possible. Other scenarios are just speculation from that possibility.
by kenschmidt
Sat Feb 21, 2015 8:24 pm
 
Forum: Investing - Theory, News & General
Topic: Worst case scenario
Replies: 16
Views: 1800

Re: Do Not Use Lenovo Computers to Shop or Access Finance Si

Step 1 on a new PC should always be to format the drive and reload the OS skipping any manufacturer-specific "utilities" during the reload. Unfortunately a lot of new PC's come with the OS pre-installed and you don't even have access to the non-OEM version of Windows or even the install d...
by kenschmidt
Thu Feb 19, 2015 9:35 am
 
Forum: Personal Consumer Issues
Topic: [Heads up: Lenovo PC security compromised, thanks to adware]
Replies: 51
Views: 4703

Re: What 3 MATERIAL things would you take with you?

One of my favorite science fiction books I read in childhood was "When Worlds Collide". It, and it's sequel, "After Worlds Collide", cover a scenario similar to what you discussed. They were written in 1933/1934 and have aged pretty well considering how space exploration has sinc...
by kenschmidt
Mon Feb 16, 2015 10:52 am
 
Forum: Personal Consumer Issues
Topic: What 3 MATERIAL things would you take with you?
Replies: 34
Views: 1253

Re: Intermediate term tax-exempt bond fund

I have held VWITX since 1994 and it is my only bond fund in a taxable account. It isn't anywhere near 30% of my portfolio though. I went in to Quicken and saw that the NAV was $13.49 when I bought it in Jan. 1994 and it was $14.45 at the end of this January. I think it maitIt have had one down year ...
by kenschmidt
Sun Feb 15, 2015 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate term tax-exempt bond fund
Replies: 14
Views: 1276

Re: Maintenance free landscaping a front yard

Most state universities have an agricultural extension service that can provide some good advice on plants that are native to your local area that would do well. A local nursery can also provide some good guidance on drought tolerant and/or deer resistant plants.
by kenschmidt
Sun Feb 15, 2015 7:18 pm
 
Forum: Personal Consumer Issues
Topic: Maintenance free landscaping a front yard
Replies: 37
Views: 2453

Re: Buying presidential dollar coins with a credit card

Haha, that's awesome!

I also post on a coin forum and I remember when people were talking about that program through the mint. I know they ended it at some point a year or two ago. I haven't heard of anyone that bought as many as you did. :happy
by kenschmidt
Sun Feb 15, 2015 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying presidential dollar coins with a credit card
Replies: 11
Views: 1026

Re: Portfolio advice for family with special needs child

kenschmidt - Yes, you're right, it has always been an uphill battle, a real battle with debt. It gets very expensive very fast with a special needs child (and two other kids), and very little is paid for by insurance or social services. The burden falls on the parents. Savings accounts are depleted...
by kenschmidt
Sun Feb 15, 2015 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for family with special needs child
Replies: 28
Views: 1659

Re: Portfolio advice for family with special needs child

I would honestly focus on debt and spending first. You have an income of $270,000/yr. if I am reading right and even after you are both retired, you should be close to that level of income. You have too much debt and too little savings for that kind of an income level in my opinion. I would focus on...
by kenschmidt
Sun Feb 15, 2015 1:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for family with special needs child
Replies: 28
Views: 1659

Re: Pick Out My New TV For Me

I recently bought a 55" Vizio similar to the model you referenced - under $600 at Target. I would spring for a Smart TV (whichever brand you pick). I didn't think I would use it but have actually really liked that feature. The ability to watch YouTube and use my iPad to select the videos is pre...
by kenschmidt
Sat Feb 14, 2015 8:46 am
 
Forum: Personal Consumer Issues
Topic: Pick Out My New TV For Me
Replies: 30
Views: 2109

Re: Primecap [Kiplinger article]

... I think there is some merit to your point - i.e., some of Primecap's performance can be attributed to more mid-caps. However, looking further (just now), I do have the following observation: Primecap has an average market cap of ~64m. The market caps for the ETF's used in your comparison are: i...
by kenschmidt
Thu Feb 12, 2015 8:59 am
 
Forum: Investing - Theory, News & General
Topic: Primecap: The Best Stock Pickers You've Never Seen
Replies: 32
Views: 2590

Re: Primecap [Kiplinger article]

I've mentioned this before, but I don't think Primecap's return is all that impressive if appropriately measured against a benchmark with similar objectives. It is explicitly a fund of mixed large and mid-cap stocks. The average/median market cap of the fund has gone up and down considerably over t...
by kenschmidt
Wed Feb 11, 2015 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: Primecap: The Best Stock Pickers You've Never Seen
Replies: 32
Views: 2590

Re: Primecap

Held since 1998 in a tax-deferred account. It's all good...
by kenschmidt
Wed Feb 11, 2015 10:08 am
 
Forum: Investing - Theory, News & General
Topic: Primecap: The Best Stock Pickers You've Never Seen
Replies: 32
Views: 2590

Re: I need a recommendation for a pressure washer.

The above is my experience also. With a gas powered unit, I am able to clean in 3 inch passes while an electric powered unit can only clean about a 1 inch pass. So - three times as long with the electric power washer. With a decent sized area, it is a time consuming process even with a gas unit, so ...
by kenschmidt
Wed Feb 11, 2015 9:44 am
 
Forum: Personal Consumer Issues
Topic: I need a recommendation for a pressure washer.
Replies: 26
Views: 1381

Re: Switching electric companies--your thoughts?

My experience with switching power companies was mostly bad. Although I saved a little money (in the end, but see below), overall I would say it was not worth it. I live in Ohio and got a "teaser" ad from North American Power for $0.00499/kwh for six months PLUS a $50 Visa gift card after ...
by kenschmidt
Wed Feb 11, 2015 9:32 am
 
Forum: Personal Consumer Issues
Topic: Switching electric companies--your thoughts?
Replies: 13
Views: 883

Re: Careful what you say around your Samsung Smart TV!

ERMD wrote:
kenschmidt wrote:Open the pod bay doors, HAL.

I feel sorry for my TV if it has to listen to my teenage sons all day long.


i'm afraid i can't change the channel, dave. there's a new episode of the bachelor coming up next.


Perfect response :D
by kenschmidt
Tue Feb 10, 2015 8:05 pm
 
Forum: Personal Consumer Issues
Topic: Samsung Strikes Again .. Ad Injection
Replies: 17
Views: 524

Re: Careful what you say around your Samsung Smart TV!

Open the pod bay doors, HAL.

I feel sorry for my TV if it has to listen to my teenage sons all day long.
by kenschmidt
Mon Feb 09, 2015 8:19 pm
 
Forum: Personal Consumer Issues
Topic: Samsung Strikes Again .. Ad Injection
Replies: 17
Views: 524

Re: What if you did not know you were a beneficiary

As Durable Power of Atty, you should be able to obtain information from Mass Mutual on the annuity contract. You may be required to provide documentation for the DBOA to them before they will give you information. The first question I would ask is whether a contract existed at Mass Mutual or not. It...
by kenschmidt
Sat Feb 07, 2015 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: What if you did not know you were a beneficiary
Replies: 20
Views: 3552

Re: How much was your Tax Refund (or amount DUE)

Did you have a child turn 17 in 2014? You lose a $1000 tax credit (not deduction) when they reach age 17. That caught me in 2013 when my oldest turned 17. Since #2 turns 17 in 2016, I will need to remember to adjust my withholding down some as I don't want to owe more than a couple of hundred bucks ...
by kenschmidt
Sat Feb 07, 2015 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: How much was your Tax Refund (or amount DUE)
Replies: 110
Views: 7189

Re: Newer washing machine freaks out dog

The dog will probably outlast the washing machine at least. They don't make them like they used to. Washing machines I mean. The dogs are the same.
by kenschmidt
Sat Feb 07, 2015 11:00 am
 
Forum: Personal Consumer Issues
Topic: Newer washing machine freaks out dog
Replies: 41
Views: 2950

Re: The Emergency Fund Revisited

I keep about 3 months worth of expenses in money market or online savings accounts, then I have another 3 months of expenses in an intermediate municipal bond fund (Vanguard). The muni bond fund is considered part of my bond allocation for retirement but is there if I would need it for other purposes.
by kenschmidt
Sat Feb 07, 2015 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: The Emergency Fund Revisited
Replies: 20
Views: 1880

Re: Health Insurer, Anthem, Hacked

...One basic rule for avoiding malicious software is to NEVER EVER click on a link embedded in an email if you are not absolutely certain who sent it. DON'T put embedded links in your oh-so-serious message. Does that include clicking on embedded links in posts about Anthem on this forum?! Yes. This...
by kenschmidt
Fri Feb 06, 2015 11:45 am
 
Forum: Personal Consumer Issues
Topic: Health Insurer, Anthem, Hacked
Replies: 99
Views: 8000

Re: Unhappy With Job Raise

I agree with Quickfoot - you need to focus on getting a promotion. I would try to work with your manager on setting some goals to get you to this specific position in a pretty specific timeframe. For example, you would say "I am a MegaCorp Worker I" right now but I would really like to pos...
by kenschmidt
Fri Feb 06, 2015 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Unhappy With Job Raise
Replies: 78
Views: 7606

Re: Alternatives to Radio Shack?

Toons, I appreciate your optimism, but I doubt I could adequately describe a trunk opener from a 1994 Buick with a dead battery, much less its part number, or the battery's part number, assuming either even exists. Assuming further I could get the dang thing open to even find the battery. As Radio ...
by kenschmidt
Thu Feb 05, 2015 10:04 pm
 
Forum: Personal Consumer Issues
Topic: Alternatives to Radio Shack?
Replies: 47
Views: 2833

Re: garbage disposal installation

I replaced mine and it is not very difficult. The "Badger" is a popular one (this is what I had and replaced it in kind): http://www.amazon.com/InSinkErator-Badger-Food-Waste-Disposer/dp/B00004U9JO/ref=sr_1_1?s=hi&ie=UTF8&qid=1423071187&sr=1-1&keywords=badger+5 Amazon #1 Be...
by kenschmidt
Wed Feb 04, 2015 12:36 pm
 
Forum: Personal Consumer Issues
Topic: garbage disposal installation
Replies: 33
Views: 1292

Re: time to replace my router?

OP - can you please explain how your router's performance has degraded exactly? I'm still using the the same Linksys WRT54G router I bought in 2005. The download speed from my IPS is capped at 20 Mbps. The signal is strong throughout my house (on both floors). And, I rarely share files across a hom...
by kenschmidt
Tue Feb 03, 2015 8:49 pm
 
Forum: Personal Consumer Issues
Topic: time to replace my router?
Replies: 45
Views: 3391

Re: POLL: How Will You Complete Your 2014 Taxes?

One thing I discovered with TaxAct this year is that it was able to import my information from last year's return filed with TurboTax by reading the pdf copy of my return stored on my computer. Pretty handy.
by kenschmidt
Sat Jan 31, 2015 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Will You Complete Your 2014 Taxes?
Replies: 69
Views: 4763

POLL: How Will You Complete Your 2014 Taxes?

Using TaxAct Online this year - $17.99 Deluxe Edition - includes Federal and State
by kenschmidt
Sat Jan 31, 2015 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Will You Complete Your 2014 Taxes?
Replies: 69
Views: 4763

Re: Filed your 2014 Federal Taxes yet?

I know I will end up owing money at the end, so no. No reason to rush for me. Daddy's little $1,000 tax credits are growing up...
by kenschmidt
Sat Jan 31, 2015 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Filed your 2014 Federal Taxes yet?
Replies: 60
Views: 4043

Re: Disability Insurance for IT Contractor

I would look to "self-insure" for the short term disability - i.e. have enough in your emergency fund to cover expenses if this were to happen - and then look to purchase an individual disability income policy from an insurance company to cover you in the event of a long term disability.
by kenschmidt
Sat Jan 31, 2015 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance for IT Contractor
Replies: 1
Views: 154

Re: High Expense Funds vs Vanguard: No Difference?

I have owned Baron Growth since early 1999. Although the ER is high, one thing I will say about this fund is that it has extremely low turnover. I really think that high turnover is a hidden killer in terms of performance; worse than a high ER in my opinion. Not saying you should go out and buy this...
by kenschmidt
Fri Jan 30, 2015 8:06 pm
 
Forum: Investing - Theory, News & General
Topic: High Expense Funds vs Vanguard: No Difference?
Replies: 37
Views: 2737

Re: Assisted Living Facilities... Weird 'Atmosphere...'

Is it all assisted living or a mix? In the facility my in-laws are in, they have independent living, multiple levels of assisted living depending on needs. and then skilled nursing care. Independent living is basically you have an apartment in the facility and have access to a meal or meals and acti...
by kenschmidt
Fri Jan 30, 2015 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Assisted Living Facilities... Weird 'Atmosphere...'
Replies: 34
Views: 4087

Re: The challenges of staying the course...

Your two big DFA funds (DFTCX US Core 18.4%, DFTWX Intl Core 18.2%) had pretty bad years. The US trailed S&P by 4-5% and Intl trailed EAFE by 2% or so (a quick look so double check the numbers). I am sure their value slant did not help. If you are committed to the value approach (and this turns ...
by kenschmidt
Fri Jan 30, 2015 9:22 am
 
Forum: Investing - Help with Personal Investments
Topic: The challenges of staying the course...
Replies: 66
Views: 5209

Re: The challenges of staying the course...

p.s. it will help to list the fund names - no one knows the tickers.

I would also go out and look up the 2014 return for each fund. That should tell you a lot.
by kenschmidt
Fri Jan 30, 2015 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: The challenges of staying the course...
Replies: 66
Views: 5209

Re: The challenges of staying the course...

Just for comparison, Target Retirement 2025 - which is very similar in asset allocation to what you listed - returned 7.17% in 2014. Either your calculation is wrong or something really dragged down your returns. I don't think International or Small Value in those percentages would account for it. I...
by kenschmidt
Fri Jan 30, 2015 9:14 am
 
Forum: Investing - Help with Personal Investments
Topic: The challenges of staying the course...
Replies: 66
Views: 5209

Re: 60 Day rollover cash

If the market goes up 1% over that 60 day time period, you will forfeit $14,000 in gains. If it goes up 2%, $28,000. Yes, the market could also drop but it goes up more often than it goes down. This, plus all of the other huge risks that you have already listed make this a crazy idea. If you want an...
by kenschmidt
Fri Jan 30, 2015 9:07 am
 
Forum: Personal Finance (Not Investing)
Topic: 60 Day rollover cash
Replies: 9
Views: 746

Re: Pension plan lump sum for low balance?

Not sure if this is what you meant or already knew this, but you can take that lump sum and roll it over tax free into an IRA at Vanguard. If you don't ever intend to move your 401k money back into an employer plan, you can roll it into the same account as the 401k (known as co-mingling). I would de...
by kenschmidt
Mon Jan 26, 2015 4:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pension plan lump sum for low balance?
Replies: 11
Views: 706

Re: Primecap: The Best Stock Pickers You've Never Seen

If you look at the past ten years, supposedly a period when - according to the article - Primecap's selection of healthcare stocks resulted in significant outperformance - it seems that Primecap (regular and Core) pretty much mirrors the performance of a number of Fidelity growth funds (Contra, Gro...
by kenschmidt
Fri Jan 23, 2015 8:49 pm
 
Forum: Investing - Theory, News & General
Topic: Primecap: The Best Stock Pickers You've Never Seen
Replies: 32
Views: 2590

Re: Question: Will Candles Heat up a Cold Room?

There are two basic types of smoke detectors - ionization - which actually are better at detecting open flame type fires - and photoelectric - which are better at non-flaming, heavy smoke type fires. Many smoke detectors now utilize both technologies together to get the best results.
by kenschmidt
Fri Jan 23, 2015 8:10 am
 
Forum: Personal Consumer Issues
Topic: Question: Will Candles Heat up a Cold Room?
Replies: 21
Views: 1741

Re: Any care required for gold coin?

If you are looking for a nicer holder for it, you could look into either Air-Tite or Cointain coin holders. They are clear plastic holders that encapsulate the coin - you buy them in sizes based on the coin. Google either term for more information on them.
by kenschmidt
Wed Jan 21, 2015 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any care required for gold coin?
Replies: 10
Views: 887
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