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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: 41
Views: 2253

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: 41
Views: 2253

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: 50
Views: 2509

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: 134

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: 2625

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: 3807

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: 29
Views: 2128

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: 29
Views: 2128

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: 29
Views: 2128

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: 6
Views: 414

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: 665

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: 3
Views: 1134

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: 1710

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: 877

Re: Loss of water pressure when using hot water

Ah, the ol' dielectric nipple.

Sometimes it's worth bringing in an expert...
by kenschmidt
Mon Jan 19, 2015 12:35 pm
 
Forum: Personal Consumer Issues
Topic: Loss of water pressure when using hot water
Replies: 24
Views: 2186

Re: Fastest way to transfer cash from Fidelity to Vanguard

I think the fastest way would be to do a wire transfer from Fidelity to Vanguard. This would basically be immediate but there is likely a fee and I am not sure you could automate it if that's what you are looking to do. Agree with DSInvestor that if you have enough in the bank account to float the a...
by kenschmidt
Sun Jan 18, 2015 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fastest way to transfer cash from Fidelity to Vanguard
Replies: 7
Views: 508

Re: Why I like this forum

Okay, you made me google "granfalloon". Therefore I will have to admit that I must not be as intelligent as rest of you. :( "A group of two or more people who imagine or are manipulated to believe they share a connection based on some circumstance of little or no real significance.&q...
by kenschmidt
Sun Jan 18, 2015 1:54 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Why I like this forum
Replies: 34
Views: 2277

Re: Benefits of Second Home

kayli69 wrote:I was pleasantly surprised to learn that there was $210,000 worth of oak and maple on the property...


And priceless for the aesthetic beauty and positive impact on the environment that they provide.
by kenschmidt
Sat Jan 17, 2015 9:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Benefits of Second Home
Replies: 35
Views: 3188

Re: Benefits of Second Home

I think a second home is an expensive luxury. You have been successful enough financially that you can afford this luxury. So long as it is not jeopardizing your financial future in terms of retirement and other goals, I think you should continue to enjoy the fruits of your labor. I think where peop...
by kenschmidt
Fri Jan 16, 2015 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Benefits of Second Home
Replies: 35
Views: 3188

Re: Is a "Free" Home Always Worth It?

If you would rather live in your current home than the new one, you should stay. The reason your father's house hasn't sold is because he is asking too much money for it. It's that simple. So, to me your options are 1) he gifts the house to you and you continue to drop the price until it sells or 2)...
by kenschmidt
Fri Jan 16, 2015 10:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Is a "Free" Home Always Worth It?
Replies: 18
Views: 1904

Re: Free (or REALLY cheap) image hosting?

I use Picasaweb for photo sharing and the public folder in Dropbox for basic file and image sharing.
by kenschmidt
Wed Jan 14, 2015 9:22 pm
 
Forum: Personal Consumer Issues
Topic: Free (or REALLY cheap) image hosting?
Replies: 20
Views: 1454

Re: Job Change(s)

Agree with others about leaving. If you are ever asked in the future about the 2 month job tenure, just tell them that the job changed after they hired you, resulting in a 2 hour commute. I don't think anyone would question that. Rather than resign via email, if in person or a call doesn't work, I w...
by kenschmidt
Sun Jan 11, 2015 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job Change(s)
Replies: 10
Views: 1312

Re: Garage door openers - recommended brand, model?

One other option if you are looking to get by "on the cheap" is to just go buy the exact or equivalent model of your existing opener and just replace the head unit, bolting it to the existing hardware. Very DIY. I have done this twice with my Chamberlain units (double doors in garage).
by kenschmidt
Sun Jan 11, 2015 11:09 am
 
Forum: Personal Consumer Issues
Topic: Garage door openers - recommended brand, model?
Replies: 13
Views: 1198

Re: Spreadsheets in Apache Open Office

I don't know the answer to the first question, but to the second question, you are still saving the resulting spreadsheet created or edited Open Office in .xls format. The dialogue is basically warning you that certain things proprietary to Open Office won't work when you open the .xls file in Excel...
by kenschmidt
Sat Jan 10, 2015 7:57 pm
 
Forum: Personal Consumer Issues
Topic: Spreadsheets in Apache Open Office
Replies: 14
Views: 1429

Re: Is a Sub-4% SWR a Boglehead Quirk?

I think most people - aka the average Joe or Josey - probably ends up taking even more than 4%. Most of the time it still probably works out and when it doesn't, people cut back or the safety net / public assistance kicks in. Not that that is where anyone wants to end up, but most don't end up there...
by kenschmidt
Sat Jan 10, 2015 5:42 pm
 
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 10672

Re: 2000-2014 [15 year returns]

Ok, thanks. I can get the 15 year numbers from Morningstar without needing to run the calculation - just wanted to be sure I wasn't missing something.
by kenschmidt
Sat Jan 10, 2015 3:41 pm
 
Forum: Investing - Theory, News & General
Topic: 2000-2014 [15 year returns]
Replies: 26
Views: 4123

Re: Vanguard's stockpickers outperform.... [news article]

2/3 of funds outperform for 3 years is not a very strong rebuttal to the passive fund logic. Come back in 27 years and see how many are still beating the indices. See this earlier post by TheTimeLord: "Vanguard's actively managed funds are so well run that on average they beat their zero-fee b...
by kenschmidt
Sat Jan 10, 2015 2:59 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's stockpickers outperform.... [news article]
Replies: 61
Views: 3603

Re: 2000-2014 [15 year returns]

Where can you find these tables for 15 years? Easy for Vanguard funds. Under Price & Performance, go to "See cumulative, yearly, and quarterly historical returns." https://personal.vanguard.com/us/funds/snapshot?FundId=0085&FundIntExt=INT#tab=1a I only see 10 year returns on Vangu...
by kenschmidt
Sat Jan 10, 2015 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: 2000-2014 [15 year returns]
Replies: 26
Views: 4123

Re: Sanity check: turnover of my active management vs. Vangu

I would say it is unfortunately typical. Active funds seem to throw off more capital gains. Even Vanguard's low turnover active funds do. I think if you are going to hold active funds, they are best held in tax deferred accounts. It is important to note that you are really deferring the taxes, not a...
by kenschmidt
Sat Jan 10, 2015 8:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Sanity check: turnover of my active management vs. Vanguard?
Replies: 11
Views: 1787

Re: At Vanguard Active beats Passive

That very well could be "take more risk, get more reward". Not necessarily active beating passive on a risk adjusted basis I am fairly certain an investor won't notice any difference in risk between comparable funds. This "risk adjusted basis" may mean something to mathematician...
by kenschmidt
Fri Jan 09, 2015 8:58 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's stockpickers outperform.... [news article]
Replies: 61
Views: 3603

Re: Refinance with Third Federal? 3/1 ARM, 2.34%, $295 costs

I have both my mortgage and a HELOC with Third Federal Savings and have had nothing but good experiences with them. They do not sell the servicing of their mortgages and closings and customer service have always been smooth.
by kenschmidt
Fri Jan 09, 2015 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance with Third Federal? 3/1 ARM, 2.34%, $295 costs
Replies: 8
Views: 995

Re: At Vanguard Active beats Passive

Funds that basically cost the same also basically perform the same. That gets forgotten by some who only look at "index in the fund name means it's good and everything else is bad". In addition, some of Vanguard's earlier forays into indexing different market segments were - let's say - le...
by kenschmidt
Fri Jan 09, 2015 7:28 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's stockpickers outperform.... [news article]
Replies: 61
Views: 3603

Re: 2000-2014 [15 year returns]

bobbd wrote:Where can you find these tables for 15 years?


Morningstar.com has the 15 year numbers - under the fund quote / snapshot, Performance tab.
by kenschmidt
Fri Jan 09, 2015 7:13 pm
 
Forum: Investing - Theory, News & General
Topic: 2000-2014 [15 year returns]
Replies: 26
Views: 4123

Re: Should We Stay Or Should We Go?

Do you have kids or plan on having kids in the future? If so, which neighborhood is better for kids - both schools and access to friends, a neighborhood you can ride your bike in our play in the street, a woods nearby to explore, high speed internet for video games :happy - you know, kid stuff. Ple...
by kenschmidt
Fri Jan 09, 2015 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should We Stay Or Should We Go?
Replies: 33
Views: 4100

Re: Florida West Coast vacation with small kids

In April, farther south will be better - Sanibel, Marco, Ft. Myers, etc. I was in Tampa/St. Pete for work once in April, stayed over the weekend and a cold snap made it such that it was pretty unpleasant on the beach or in the pool.
by kenschmidt
Fri Jan 09, 2015 10:27 am
 
Forum: Personal Consumer Issues
Topic: Florida West Coast vacation with small kids
Replies: 24
Views: 2614

Re: Should We Stay Or Should We Go?

Do you have kids or plan on having kids in the future? If so, which neighborhood is better for kids - both schools and access to friends, a neighborhood you can ride your bike in our play in the street, a woods nearby to explore, high speed internet for video games :happy - you know, kid stuff. Plea...
by kenschmidt
Fri Jan 09, 2015 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Should We Stay Or Should We Go?
Replies: 33
Views: 4100

Re: 2000-2014

Thanks for posting these. Here's a few others that I have used in my portfolio during 2000-2014: Vanguard Primecap VPMAX 7.50 Vanguard Windsor II VWNAX 7.43 Vanguard Emerging Markets VEMAX 7.13 Vanguard High Yield Corporate VWEHX 6.23 Vanguard Intermediate Term Tax Exempt VWITX 4.84 Nice group - I'...
by kenschmidt
Thu Jan 08, 2015 8:43 pm
 
Forum: Investing - Theory, News & General
Topic: 2000-2014 [15 year returns]
Replies: 26
Views: 4123

Re: Lightbulbs in Fully Enclosed Recessed Fixtures

One application I thought of that I'm not sure I see LED or CFL being able to handle is the oven light. Now maybe they will re-design ovens so there's not a heat issue, but incandescents don't mind a little baking (and can even do it aka the easy bake oven). LED's and CFL's not so much. Maybe haloge...
by kenschmidt
Thu Jan 08, 2015 10:00 am
 
Forum: Personal Consumer Issues
Topic: Lightbulbs in Fully Enclosed Recessed Fixtures
Replies: 57
Views: 4233

Re: Does anyone here collect currency?

I collect coins and have a few bills that I have gathered over the years, but they are not my focus right now at least. You should stop over at http://www.coincommunity.com/forum/ Definitely some currency collectors over there and a forum dedicated to currency. Friendly in a manner similar to this s...
by kenschmidt
Thu Jan 08, 2015 9:50 am
 
Forum: Personal Consumer Issues
Topic: Does anyone here collect currency?
Replies: 30
Views: 1943

Re: Lightbulbs in Fully Enclosed Recessed Fixtures

Just to be clear I was reacting against the notion that in 10 years we are still going to crave 100w incandescents-- not a point you made. Right, got that from your comments. I do think we probably won't crave the incandescents - at least not for most things. But I do wonder if there will be certai...
by kenschmidt
Tue Jan 06, 2015 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Lightbulbs in Fully Enclosed Recessed Fixtures
Replies: 57
Views: 4233

Re: Lightbulbs in Fully Enclosed Recessed Fixtures

The local "dollar store" by me had 100W Rough Service incandescents a few months ago - 2 bulbs for $1. I stocked up. Smart man. Save them. A decade from now kids will be selling incandescents on the street corner for a dollar a watt. Suppose each of these is running for 1000 hrs a year, a...
by kenschmidt
Mon Jan 05, 2015 8:33 pm
 
Forum: Personal Consumer Issues
Topic: Lightbulbs in Fully Enclosed Recessed Fixtures
Replies: 57
Views: 4233

Re: When the stars align...

My lucky story was this: In 1999, a new fund was added to my wife's retirement account. The fund was Robestson Stephens Emerging Growth. It had gone up 50% the previous year and so I stuck 7% of her portfolio in it thinking "what the heck". It went up another 100% in about 8 months before ...
by kenschmidt
Mon Jan 05, 2015 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: When the stars align...
Replies: 4
Views: 848

Re: Turning 66 this year. Retirement looming and concerned

This is less an investing issue than it is a budget issue. At 66, there is only so much time left before you retire. You really can't invest your way out of this, at least not entirely. There's just not enough time for returns or even new money to make a material difference. The good news is this: y...
by kenschmidt
Mon Jan 05, 2015 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Turning 66 this year. Retirement looming and concerned
Replies: 15
Views: 1540

Re: 2000-2014

Thanks for posting these. Here's a few others that I have used in my portfolio during 2000-2014:

Vanguard Primecap VPMAX 7.50
Vanguard Windsor II VWNAX 7.43
Vanguard Emerging Markets VEMAX 7.13
Vanguard High Yield Corporate VWEHX 6.23
Vanguard Intermediate Term Tax Exempt VWITX 4.84
by kenschmidt
Sun Jan 04, 2015 10:18 am
 
Forum: Investing - Theory, News & General
Topic: 2000-2014 [15 year returns]
Replies: 26
Views: 4123

Re: Lightbulbs in Fully Enclosed Recessed Fixtures

I use incandescent light bulbs from Walmart. No problem. I knew the incandescents were to be phased out on a step-by-step basis, but I thought all incandescents had been phased out by now. I haven't seen any for a long time. The so-called "energy-efficient bulbs" which I had thought were ...
by kenschmidt
Sat Jan 03, 2015 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Lightbulbs in Fully Enclosed Recessed Fixtures
Replies: 57
Views: 4233

Re: Why not just follow John Bogle

I do it because I believe a slice and dice / tilted portfolio consisting of more value and additional asset classes such as REIT and Emerging Markets will outperform the three or four fund approach. I have tracked my annual returns against a simple benchmark (LifeStrategy funds and then Target Reti...
by kenschmidt
Sat Jan 03, 2015 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: Why not just follow John Bogle
Replies: 78
Views: 5920

Re: Lightbulbs in Fully Enclosed Recessed Fixtures

I stuck a 75W equivalent CFL in the enclosed recessed light in my shower and it's working fine for the last couple of years at least. They generate less heat than an incandescent and I can't think of any other reason why it would be a problem.
by kenschmidt
Sat Jan 03, 2015 7:42 pm
 
Forum: Personal Consumer Issues
Topic: Lightbulbs in Fully Enclosed Recessed Fixtures
Replies: 57
Views: 4233

Re: Why not just follow John Bogle

I do it because I believe a slice and dice / tilted portfolio consisting of more value and additional asset classes such as REIT and Emerging Markets will outperform the three or four fund approach. I have tracked my annual returns against a simple benchmark (LifeStrategy funds and then Target Retir...
by kenschmidt
Sat Jan 03, 2015 7:32 pm
 
Forum: Investing - Theory, News & General
Topic: Why not just follow John Bogle
Replies: 78
Views: 5920

Re: Cancelled flight - Mechanical issues

Here is a quick summary I found: http://traveltips.usatoday.com/airline-passenger-rights-delayed-flights-15645.html Basically, there are no specific rules around compensation and the airline is just responsible for getting you to your destination as quickly as they can. The best deal I have worked i...
by kenschmidt
Sat Jan 03, 2015 10:48 am
 
Forum: Personal Consumer Issues
Topic: Cancelled flight - Mechanical issues
Replies: 12
Views: 2499

Re: Help my friend's dad retire in 18 years

Here are some questions/comments to think about: 1) Why the High Yield Corporate? Junk bonds tend to act a lot like equity. If you are looking for higher returns, I would just move into equity funds. If you are looking for some diversification and down market protection, you would be better off with...
by kenschmidt
Fri Jan 02, 2015 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help my friend's dad retire in 18 years
Replies: 15
Views: 1202
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