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Re: How to track expenses to the penny?

What's the easiest way to track every penny i spend in easy to view categories? Get a receipt every time you buy something. Look at the receipt and, if applicable, break the receipt down into its constituent items (groceries, health items, housing items, etc). Write the total of each constituent it...
by kenschmidt
Tue Jul 22, 2014 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: How to track expenses to the penny?
Replies: 33
Views: 1911

Re: Faber: S&P 500 an Active Fund in Drag

It doesn't particularly matter whether you call it active or index. What matters is that it is low cost and low turnover. You can construct an index fund based on a bad index and calling it an index fund won't automatically make it good. When it comes to performance, it all comes down to cost. The S...
by kenschmidt
Mon Jul 21, 2014 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: Faber: S&P 500 an Active Fund in Drag
Replies: 45
Views: 3354

Re: Problems accessing the site

Interesting to note I just had this exact same problem. It started Sunday; I thought maybe the site was just down; I was able to get to it from the same device (iPad) at the office at lunch so I thought everything was back to normal. But when I got home tonight, I wasn't able to get to bogleheads.or...
by kenschmidt
Mon Jul 21, 2014 8:01 pm
 
Forum: Forum Issues and Administration
Topic: Problems accessing the site
Replies: 6
Views: 374

Re: Poll - Do you use Quicken?

Similar to bertilak, I have also been using Quicken since 1991. First version I used was Quicken for DOS 4.0 I believe. I use it for tracking spending, account reconciliation, tracking investment cost basis and transactions, loan/mortgage tracking, tax record keeping, etc. I think my wife would rath...
by kenschmidt
Mon Jul 21, 2014 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 60
Views: 2389

Re: Anyone know a good coin dealer in Dayton, Ohio?

Xenia Coin / Jim Huffman is a reputable place - http://www.xeniacoin.com I agree with prudent that you might take some time to research what you have. Pre-1965 dimes, quarters, half dollars and silver dollars have value in silver content alone. Some may be more valuable as collectibles as well. eBay...
by kenschmidt
Mon Jul 21, 2014 9:50 am
 
Forum: Personal Consumer Issues
Topic: Anyone know a good coin dealer in Dayton, Ohio?
Replies: 7
Views: 668

Re: POLL: Do you have a dedicated REIT allocation?

Hey, if a 6.2367% REIT overweight (and thus slight underweight of all other stocks) helps you sleep at night, by all means complex-ify your portfolio with it. If you expect it to somehow help you from a financial standpoint, however, you're probably missing one investment concept or another. It alr...
by kenschmidt
Fri Jul 18, 2014 3:50 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6840

Re: Repair or Replace PressureWasher?

Use It Up, Wear It Out, Make It Do, or Do Without

If it is a gas powered device and the engine is still in good shape, I would probably replace the pump since you are comfortable doing the work yourself. I just hate to throw away a perfectly good motor when the device can be repaired.
by kenschmidt
Fri Jul 18, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: Repair or Replace PressureWasher?
Replies: 3
Views: 279

Re: If you own a car, do you have a car payment?

I have the title but I used a HELOC to finance it so I answered yes. I can pay it down (or not) on my own schedule and it uses the approximately 80% equity in my home at a very low cost.
by kenschmidt
Fri Jul 18, 2014 9:05 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 103
Views: 5655

Re: POLL: Do you have a dedicated REIT allocation?

I have had a 5% REIT allocation since 2000. It absolutely has had a positive effect on returns. Just for comparison, 15 year returns: Vanguard REIT Admiral: 11.38% Vanguard TSM Admiral: 5.02% This is not to discount an all TSM approach; REIT started the time period at low valuations; TSM started at ...
by kenschmidt
Wed Jul 16, 2014 2:08 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6840

Re: Bet it ALL on Small Cap Value when you're young

I don't bet it ALL on anything. Ever.

You never know what will happen in the future. Diversity is key.
by kenschmidt
Tue Jul 15, 2014 4:46 pm
 
Forum: Investing - Theory, News & General
Topic: Bet it ALL on Small Cap Value when you're young
Replies: 64
Views: 6067

Re: boglehead botanists...is this poison ivy?

I don't think so. Usually, poison ivy has red stems and the leaves are distributed a little differently and are less clustered. It might be wild strawberry although not 100% sure. If you think you are getting an allergic reaction to it, I would probably kill it off though. Not worth the risk of bein...
by kenschmidt
Tue Jul 15, 2014 4:42 pm
 
Forum: Personal Consumer Issues
Topic: boglehead botanists...is this poison ivy?
Replies: 32
Views: 2439

Re: Hospital bill negotiation

You can call patient billing and ask if they give any discounts if you pay the bill in full immediately. This has worked for me in the past - 10 to 20% is possible in my experience.
by kenschmidt
Tue Jul 15, 2014 2:01 pm
 
Forum: Personal Consumer Issues
Topic: Hospital bill negotiation
Replies: 48
Views: 3877

Re: New Investor with Class A fund blues

Screwed is somewhat of a relative term. I am in the process of repainting my son's bedroom. I could have hired someone to do it for me instead but it would have cost me quite a bit more to do so. That doesn't mean that I would be getting screwed by the painter if I went that route. It is a choice I ...
by kenschmidt
Tue Jul 15, 2014 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor with Class A fund blues
Replies: 31
Views: 2011

Re: I'm cosigner .. Friend thinking of bankruptcy .. Pls hel

Can you pay off the balance of the loan and take possession of the car - via a drawn up contract of sale of course? I know you probably don't want a car but at least it would protect your credit and you could sell the car at some point to recover some or all of the money involved.
by kenschmidt
Mon Jul 14, 2014 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 64
Views: 7179

Re: Neighbor's ugly overgrown bushes and fence

I'd put in my own fence. That way you are in control of the situation. If you want to landscape, buy plants in smaller containers (1 gallon), plant them well and let them grow. Once they get established, it is amazing how fast they grow and you can save quite a bit of money that way.
by kenschmidt
Mon Jul 14, 2014 5:12 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor's ugly overgrown bushes and fence
Replies: 41
Views: 3190

Re: Gold, Silver, Copper

I save pre-1982 pennies. Fun to do, costs nothing and when they are taken out of circulation.....whooo hoooo I thought I would be the only one who does this - and now I am the third on this thread alone. Plus the silver coins in my collection - anything I am lucky to find in the wild that is silver...
by kenschmidt
Fri Jul 11, 2014 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 42
Views: 3430

Re: Valuing a personal residence for net worth purposes

I use the value as appraised on my property tax bill. I guess I could just multiply the purchase price by 1.02 each year. In Ohio, state law requires a reappraisal based on comparable sales every three years. The county auditor's web site will even show you the comps used for your house. Every six ...
by kenschmidt
Sat Jul 05, 2014 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Valuing a personal residence for net worth purposes
Replies: 73
Views: 3727

Re: Valuing a personal residence for net worth purposes

I use the value as appraised on my property tax bill.
by kenschmidt
Sat Jul 05, 2014 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Valuing a personal residence for net worth purposes
Replies: 73
Views: 3727

Re: Do Wellesley's Equities Outperform?

?..isn't active management just as much at fault for under preforming an efficient market as expenses. This really isn't true. Active managers will, in aggregate, perform equally to the market before costs. It's not that active managers as a whole mismanage stock selection and make bad decisions. I...
by kenschmidt
Fri Jul 04, 2014 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: Do Wellesley's Equities Outperform?
Replies: 41
Views: 4776

Re: Superior past performance of index funds.

Taylor, First of all, that is a good article. I have long admired William Sharpe. Second, I was being tongue-in-cheek. And third, you omitted a critical part of my assertion: "That saying, if taken literally, would suggest that..." :sharebeer I'm not Taylor but I'll try to address that. I...
by kenschmidt
Fri Jul 04, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: Do Wellesley's Equities Outperform?
Replies: 41
Views: 4776

Re: Continue subscribing to local newspaper?

I enjoy reading the Sunday paper in print format (Cincinnati Enquirer). This also gives me access to the electronic version which is enough for the other six days of the week. I also get a community press weekly which is truly local news; there is an edition specific to my township.
by kenschmidt
Fri Jul 04, 2014 11:40 am
 
Forum: Personal Consumer Issues
Topic: Continue subscribing to local newspaper?
Replies: 86
Views: 6109

Re: POLL: What is your weighted average duration in FI?

Just for a few data points around duration for funds I own:

Vanguard Total Bond Market Index - 5.62
PIMCO Total Return - 4.92
Vanguard High Yield Corp - 3.94
Vanguard Intermediate Term Tax Exempt - 5.04
by kenschmidt
Fri Jul 04, 2014 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: What is your weighted average duration in FI?
Replies: 16
Views: 1001

Re: Do you tell your kids how much you make?

I tell my kids how much I make. I also tell them this is private family information not to be discussed with others. As they enter the high school years, I think it is good for them to realize what a particular lifestyle costs and what types of careers might provide the same lifestyle for them.
by kenschmidt
Fri Jul 04, 2014 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you tell your kids how much you make?
Replies: 58
Views: 5900

Re: Adult child @ home

The first thing I would consider is whether there is some type of psychological or cognitive impairment or delay that is causing some of the issue. Yes, some people are just lazy, but others suffer from anxiety, learning disabilities or developmental disabilities that can explain these things. Just ...
by kenschmidt
Fri Jul 04, 2014 10:44 am
 
Forum: Personal Consumer Issues
Topic: Adult child @ home
Replies: 23
Views: 2144

Re: Trick question for new investors.

The Japanese market is low and has stayed low for awhile. Not sure how desirable answer B is in the real world.
by kenschmidt
Tue Jul 01, 2014 10:25 pm
 
Forum: Investing - Theory, News & General
Topic: Trick question for new investors.
Replies: 25
Views: 2068

Re: Best Method to Sell a U.S. Coin Collection

If you want to get maximum value, I think your best bet is going to be eBay. Take good photos, describe the coins well and start them at $0.99. Here is a good online price guide that I use that should give you a pretty good idea of what they are worth (retail prices): http://www.numismedia.com/fmv/f...
by kenschmidt
Sat Jun 28, 2014 8:51 am
 
Forum: Personal Consumer Issues
Topic: Best Method to Sell a U.S. Coin Collection
Replies: 13
Views: 1968

Re: Wind blew off shingles, now roof is leaking!

As long as you get the roof replaced in a timely manner, there probably isn't much more than negligible additional damage. Get the roof fixed, let the drywall dry out (as long as it isn't severely cracked or falling down), maybe a quick skim coat with some pre-mixed drywall mud if needed, sand and t...
by kenschmidt
Sun Jun 22, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Wind blew off shingles, now roof is leaking!
Replies: 27
Views: 1425

Re: I Bonds 5.27% interest

I am happy to have some of those 3.4% I-Bonds! They were quite popular back on the old Morningstar forum. I believe it was Mel Lindauer that suggested back in 1998 that it would be wise to back up the truck and buy as many as you could.
by kenschmidt
Sat Jun 21, 2014 9:43 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds 5.27% interest
Replies: 33
Views: 3654

Re: Reasons to go with a local vs national mortgage lender?

...You will fax them information... One quick question here...I don't fax anything. Do they require fax for some documents, or is email sufficient? I'm not going to do business with someone still prominently utilizing fax machines. Regular email is not really secure for sending financial details, e...
by kenschmidt
Sat Jun 21, 2014 7:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reasons to go with a local vs national mortgage lender?
Replies: 24
Views: 1069

Re: Reasons to go with a local vs national mortgage lender?

I would look for a lender, local or national, that does not sell the servicing of the mortgage. I know you shouldn't have to care who you send your check to, but it is not all that uncommon for there to be issues during the transition period such that payments are not properly credited as well as so...
by kenschmidt
Sat Jun 21, 2014 4:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reasons to go with a local vs national mortgage lender?
Replies: 24
Views: 1069

Re: Cost of car compared to Gross Income

it is an unnecessary luxury


Maybe if you live in Manhattan. Most places. a car is a necessity.

We spent around 25% of our income on a new vehicle this year. It replaced a 12 year old vehicle. We buy new and keep them for awhile.
by kenschmidt
Fri Jun 20, 2014 7:10 pm
 
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 82
Views: 4590

Re: Electronic person-to-person payments

I use Paypal for that
by kenschmidt
Thu Jun 19, 2014 8:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Electronic person-to-person payments
Replies: 15
Views: 1166

Re: 2013 RAV4 design flaws

P.s -doing a little more research and looking at some photos, I think it was a 1971 or 1972 model. Not important I know, but the official Boglehead record must be correct.
by kenschmidt
Wed Jun 18, 2014 8:18 pm
 
Forum: Personal Consumer Issues
Topic: 2013 RAV4 design flaws
Replies: 15
Views: 1638

Re: 2013 RAV4 design flaws

When I was in high school, my friend Tony and I were driving back from basketball practice in his 1970 Dodge Charger. Right down the street from my house, the u-joint on the transaxle broke and we had to push it back down the hill. So what I am saying is it could be worse. :happy A 1970 Charger did...
by kenschmidt
Wed Jun 18, 2014 8:13 pm
 
Forum: Personal Consumer Issues
Topic: 2013 RAV4 design flaws
Replies: 15
Views: 1638

Re: First Big Boy Job - Thoughts on Plan?

When you say big boy job, do you mean?: http://www.bassethoundtown.com/blog/wp-content/uploads/2008/07/bigboy.jpg I think your plan looks ok. You have a really generous match and when you are first starting out, the most important thing is saving as much as you can; your asset allocation, while impo...
by kenschmidt
Wed Jun 18, 2014 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Big Boy Job - Thoughts on Plan?
Replies: 9
Views: 1074

Re: 2013 RAV4 design flaws

When I was in high school, my friend Tony and I were driving back from basketball practice in his 1970 Dodge Charger. Right down the street from my house, the u-joint on the transaxle broke and we had to push it back down the hill. In college, my friend Joe had an Alfa Romeo Spyder. It wouldn't run ...
by kenschmidt
Tue Jun 17, 2014 9:35 pm
 
Forum: Personal Consumer Issues
Topic: 2013 RAV4 design flaws
Replies: 15
Views: 1638

Re: Be Fearful When Others Are Greedy and Greedy When Others

To take advantage of what I feel is a wise quote and general philosophy, what I would recommended is to temper your expectations around stocks and set your asset allocation carefully and conservatively to start. Stocks at an all time high? It would be tempting to invest 100% in stocks stocks and mor...
by kenschmidt
Tue Jun 17, 2014 7:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Be Fearful When Others Are Greedy and Greedy When Others Are
Replies: 26
Views: 2771

Re: Tablet for classroom use

Maybe look at the Dell Venue 8 series.
by kenschmidt
Wed Jun 11, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Tablet for classroom use
Replies: 6
Views: 641

Re: Investors hold the lowest percentage of stocks in 50 yea

I think 2008-2009 really freaked people out. If you look at the chart: http://ei.marketwatch.com/Multimedia/2014/06/04/Photos/ME/MW-CG704_stock__20140604124853_ME.jpg?uuid=24995b1c-ec08-11e3-b7fd-00212803fad6 Some of the best times to own stock (74, 82, 92, 02) had the lowest % equity holdings whil...
by kenschmidt
Fri Jun 06, 2014 2:20 pm
 
Forum: Investing - Theory, News & General
Topic: Investors hold the lowest percentage of stocks in 50 years
Replies: 38
Views: 4618

Re: Investors hold the lowest percentage of stocks in 50 yea

I think 2008-2009 really freaked people out. If you look at the chart: http://ei.marketwatch.com/Multimedia/2014/06/04/Photos/ME/MW-CG704_stock__20140604124853_ME.jpg?uuid=24995b1c-ec08-11e3-b7fd-00212803fad6 Some of the best times to own stock (74, 82, 92, 02) had the lowest % equity holdings while...
by kenschmidt
Fri Jun 06, 2014 9:24 am
 
Forum: Investing - Theory, News & General
Topic: Investors hold the lowest percentage of stocks in 50 years
Replies: 38
Views: 4618

Re: Family cars for non-drivers.

I know you are set against a van, but I would at least take a look at them. We took our two sons everywhere in our 2002 Dodge Caravan, starting when they were ages 3 and 6. With the third row seat removed, it is amazing how much space you have. We had a picnic lunch in the back in a driving rainstor...
by kenschmidt
Wed Jun 04, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: Family cars for non-drivers.
Replies: 38
Views: 1898

Re: Does anyone here play fantasy football?

I have been in a 12 team league since the 1993 season (currently commissioner). Some members have come and gone, but there are still several founding members in the league and it is a great way to stay in touch and have some fun. We charge a nominal fee every year of $60 and the league is structured...
by kenschmidt
Tue Jun 03, 2014 8:57 am
 
Forum: Personal Consumer Issues
Topic: Does anyone here play fantasy football?
Replies: 27
Views: 857

Re: Figuring basis on 80s funds - seems almost impossible

Suppose I get all the records and have all the raw data - contributions, dividends, etc. - then what? That is, is there a good website or app that I can plug the data into to get ave basis? I really don't know how to take all that info and get the correct result. If you have Quicken and get all of ...
by kenschmidt
Sat May 31, 2014 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Figuring basis on 80s funds - seems almost impossible
Replies: 18
Views: 1187

Re: Should I leave Vanguard?

I think you need to look very closely at the costs of the 457 as well as the investment choices that are available to you. I think you will be very hard pressed to find overall expenses and selection of investments to beat what is available at Vanguard - it is possible - but unlikely. It would not b...
by kenschmidt
Fri May 30, 2014 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I leave Vanguard?
Replies: 7
Views: 2182

Re: "This is all I know - -"

Ah, viewing some of those old M* poster names truly WAS a walk down memory lane...how could 13 years have possibly gone by?
by kenschmidt
Fri May 30, 2014 11:52 am
 
Forum: Investing - Theory, News & General
Topic: "This is all I know - -"
Replies: 12
Views: 2491

Re: Appropriate Investments for HOA

I am the Treasurer for my (much much smaller) neighborhood HOA. I would never put HOA funds into anything that could fluctuate in value. I think it puts you in a very bad position in a market drop situation. I would work with the best options within those parameters (CD ladder, higher paying MM, etc...
by kenschmidt
Fri May 30, 2014 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Appropriate Investments for HOA
Replies: 18
Views: 1165

Re: Hotel accomodations for 5 people

Homewood Suites Embassy Suites Residence Inn Often you can get a two room suite with a pull out bed for roughly the same price as a regular (nicer level) hotel room. My experience is that VRBO is great if you are spending a week in each location but shorter stays can be more difficult (although your...
by kenschmidt
Tue May 27, 2014 5:00 pm
 
Forum: Personal Consumer Issues
Topic: Hotel accomodations for 5 people
Replies: 10
Views: 831

Re: MEMORIAL DAY, 2014

Remember to fly the flag in honor and memory of the fallen.
by kenschmidt
Sun May 25, 2014 11:28 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: MEMORIAL DAY, 2014
Replies: 17
Views: 1632

Re: Adding AC freon to a Chevrolet Beretta with 2.2 engine

They stopped making the Beretta in 1996, so this car is at best nearly 20 years. If it is blowing cold air at this point in its life, and you believe the leak is fixed, I'd call it good for now. At least wait and see what happens over the summer. It reminds me of the beginning of an old troubleshoot...
by kenschmidt
Sat May 24, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: Adding AC freon to a Chevrolet Beretta with 2.2 engine
Replies: 11
Views: 561

Re: declining job due to travel

I have been in situations where I traveled every other week for a number of months and can say that is too much travel. But 1 week every three months to me is pretty reasonable. I think some travel is part of many jobs anymore. I think you need to see how your wife feels about it - if she is dead se...
by kenschmidt
Fri May 23, 2014 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: declining job due to travel
Replies: 92
Views: 8936
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