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Re: reloaded

It's good to be back! Thanks Larry!
by kenschmidt
Tue May 21, 2013 9:04 pm
 
Forum: Forum Issues and Administration
Topic: reloaded [Forum and wiki were offline]
Replies: 51
Views: 2993

Re: I got to thank a WWII Veteran today.

If we needed them are they still around? Yes, they are own the ground right now in Afghanistan. And South Korea. And Okinawa. And other places potentially in harm's way. The WWII Generation certainly answered the call. I'd like to believe that other generations have the same ability. Based on curre...
by kenschmidt
Tue May 14, 2013 8:24 pm
 
Forum: Personal Consumer Issues
Topic: I got to thank a WWII Veteran today.
Replies: 30
Views: 1510

Re: Just Sold Out. What do you think?

You are not as crazy as the guy that sold out at the bottom in 2009. However, you could still be the semi-crazy guy who sold out in the middle in 2013 and never got back in. That's a serious risk from a psychological perspective. It will be very hard to get back in if the market keeps going up. Most...
by kenschmidt
Mon May 13, 2013 8:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just Sold Out. What do you think?
Replies: 95
Views: 6931

Re: Bidding on Ebay; Ignorance on best Bidding strategy

3. Some people literally do bid things up in increments if they are new to ebay. One time I went to bed with a super high bid in place I didn't want to stay up. Then someone bid the item up beyond my initial bid in 40 bid attempts. Some people that are new will do this. I just don't see the problem...
by kenschmidt
Sat May 11, 2013 11:12 am
 
Forum: Personal Consumer Issues
Topic: Bidding on Ebay; Ignorance on best Bidding strategy
Replies: 88
Views: 3196

Re: Bidding on Ebay; Ignorance on best Bidding strategy

If everyone bids the maximum he or she is willing to pay, it doesn't matter when you bid. Bidding late helps only when others don't bid their maximum. Bidding early helps you find out if others are willing to pay more than your maximum. You quickly find out and stop wasting your time. Losing an auc...
by kenschmidt
Sat May 11, 2013 11:03 am
 
Forum: Personal Consumer Issues
Topic: Bidding on Ebay; Ignorance on best Bidding strategy
Replies: 88
Views: 3196

Re: Bidding on Ebay; Ignorance on best Bidding strategy

I completely fail to understand what advantage you supposedly gain from waiting until the last few seconds. I just bid the amount I am willing to pay at the time when I see the item... and forget about it until the auction has finished. Ok, here's why. Say there is an item for which I am willing to...
by kenschmidt
Sat May 11, 2013 11:00 am
 
Forum: Personal Consumer Issues
Topic: Bidding on Ebay; Ignorance on best Bidding strategy
Replies: 88
Views: 3196

Re: Saturday Night at the Retirement Movies

Aww, man - saw this too late and I already got Silver Linings Playbook from Redbox. Maybe next weekend...
by kenschmidt
Sat May 04, 2013 7:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Saturday Night at the Retirement Movies
Replies: 12
Views: 1655

Re: Any suggestions for a refrigerator that broke after 2 ye

First, this is why I am not in any rush to replace my 1992 GE side by side - I know all the energy efficiency arguments but it just runs and runs. As to your parent's refrigerator, I would write a letter (no email, no phone call) to the company addressed to the CEO or head of the refrigerator divisi...
by kenschmidt
Wed Apr 24, 2013 7:49 am
 
Forum: Personal Consumer Issues
Topic: Any suggestions for a refrigerator that broke after 2 years?
Replies: 24
Views: 1216

Re: DEATH KNELL OF COFFEEHOUSE INVESTOR

Based on prior experience with these types of death knell proclamations, the 60/40 portfolio is probably poised for a resurgence and everyone will be hailing its virtues 5 years from now.

Stick to your plan - that's my plan.
by kenschmidt
Wed Apr 24, 2013 7:36 am
 
Forum: Investing - Theory, News & General
Topic: Death knell of Coffeehouse Investor
Replies: 30
Views: 4969

Re: Are bitcoins something like internet tulips?

He mined all of the Bitcoins using his graphics card in his PC so to him it has been free money. If I were you I'd have him buy a Kill-a-watt meter (or equivalent) from Amazon, hook it up to his PC and charge him for the power he's using to generate the bitcoins - and charge him extra if he's doing...
by kenschmidt
Mon Apr 22, 2013 8:21 pm
 
Forum: Investing - Theory, News & General
Topic: Are bitcoins something like internet tulips?
Replies: 62
Views: 3100

Re: Best place to buy and best brand of lawn mower?

I had a Murray 42" Widebody model riding mower. It lasted me 11 years before the transmission started to go out and I sold it for $150 to a guy that fixes them up. It had the automatic/hydro static drive and was around $1000 at Wal-Mart. I had it serviced yearly which eventually ended up costin...
by kenschmidt
Mon Apr 22, 2013 8:14 pm
 
Forum: Personal Consumer Issues
Topic: Best place to buy and best brand of lawn mower?
Replies: 23
Views: 1824

Re: Are bitcoins something like internet tulips?

Who in this thread has actually bought anything with bitcons? Just curious. (Obviously I don't expect anyone to mention anything felonious). But I think that's the real question. Are people buying things with bitcons , as opposed to just buying bitcons themselves? Not statistics, please: personal t...
by kenschmidt
Mon Apr 22, 2013 2:48 pm
 
Forum: Investing - Theory, News & General
Topic: Are bitcoins something like internet tulips?
Replies: 62
Views: 3100

Re: Vanguard Prime Money Market Fund

No, it is taken out of the interest payments of the underlying securities that the fund holds. Anything left is then paid out to you as a dividend - which at the moment is very low (0.01%). However, that means that your principal value will remain stable under normal circumstances and you will actua...
by kenschmidt
Tue Apr 16, 2013 7:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market Fund
Replies: 8
Views: 1330

Re: Best Caulking for Bathtub?

100% Silicone, and mask the tub and wall for a professional looking seal and it will be thicker than the lick you finger method. Also clean off the tub and tile with alcohol and let dry before calking. SteveNet - I have heard that if you don't use finger to lay down or smooth the caulking that it w...
by kenschmidt
Mon Apr 01, 2013 9:42 pm
 
Forum: Personal Consumer Issues
Topic: Best Caulking for Bathtub?
Replies: 16
Views: 1407

Re: What happened to all of the gold bugs?

It stopped going up, so they moved on. It is an age-old story on these discussion boards. You can tell the hottest performing sector based on the should I add/should I buy post counts. Likewise you can tell the worst performing sector based on the is it time to dump post counts.
by kenschmidt
Sat Mar 30, 2013 11:00 am
 
Forum: Investing - Theory, News & General
Topic: What happened to all of the gold bugs?
Replies: 57
Views: 4027

Re: Organic Lawn Care

As an alternative to hand pulling weeds (which I also do), a spray bottle of something like Weed-B-Gon mixed from concentrate is a good way to spot treat without putting chemicals on parts of the lawn that don't need it. Make sure it is a selective broadleaf weed killer rather than something like Ro...
by kenschmidt
Sat Mar 30, 2013 10:57 am
 
Forum: Personal Consumer Issues
Topic: Organic Lawn Care
Replies: 32
Views: 1664

Re: Bitcoins Purpose in a Portfolio

I stand corrected. Looks like with a good GPU and decent power rates, you could net around $50-$60/month at today's rate, give or take. Used this http://www.bitcoinx.com/profit/ On that site, it states that the calls ignore the P&l of holding the coins. Can that be avoided? RM He pretty quickly...
by kenschmidt
Fri Mar 29, 2013 8:57 am
 
Forum: Investing - Theory, News & General
Topic: Bitcoins Purpose in a Portfolio
Replies: 96
Views: 6561

Re: Bitcoins Purpose in a Portfolio

money wrote:Interesting, which pool is he participating in and what kind of GPU is he using?


He has an AMD 7950 GPU which was a recent upgrade from his original 6770. I will have to check on the exact pool. He's had to explain how all this works to me multiple times and I am even pretty technical!
by kenschmidt
Fri Mar 29, 2013 8:44 am
 
Forum: Investing - Theory, News & General
Topic: Bitcoins Purpose in a Portfolio
Replies: 96
Views: 6561

Re: Bitcoins Purpose in a Portfolio

Why buy bitcoins when they can be mined for free? They are just laying on the ground waiting for your gaming PC to pick them up. Electricity isn't free. And GPU mining is pretty much dead at this point; you basically need a dedicated ASIC or at least FPGA to compete. My teenage son is making about ...
by kenschmidt
Thu Mar 28, 2013 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoins Purpose in a Portfolio
Replies: 96
Views: 6561

Re: How much to replace a watch battery?

8-10 dollars is what my local jeweler charges.
by kenschmidt
Wed Mar 27, 2013 8:41 pm
 
Forum: Personal Consumer Issues
Topic: How much to replace a watch battery?
Replies: 41
Views: 2202

Re: Bitcoins Purpose in a Portfolio

Why buy bitcoins when they can be mined for free? They are just laying on the ground waiting for your gaming PC to pick them up.
by kenschmidt
Wed Mar 27, 2013 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoins Purpose in a Portfolio
Replies: 96
Views: 6561

Re: [POLL] Are zillow price estimates accurate for your home

I voted "other" since I've seen wild swings. When the market was very hot circa 2006-7 the Zillow estimate was high by 25%+. Since the market has settled down it's within 10% one way or the other. I keep pretty close tabs on comps in case I need to dispute the assessed value. So far I'm 2...
by kenschmidt
Mon Mar 25, 2013 7:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: [POLL] Are zillow price estimates accurate for your home?
Replies: 62
Views: 4853

Re: What to do in San Diego?

I would like to correct a mistake two of the above posters have committed. Unlike the myth real estate agents have deliberately fostered, Coronado is not an Island. YOU CAN WALK ON DRYLAND [the Strand] to Imperial Beach and the rest of the country. You cannot sail a boat around it, The Coronado Isl...
by kenschmidt
Mon Mar 18, 2013 8:30 pm
 
Forum: Personal Consumer Issues
Topic: What to do in San Diego?
Replies: 16
Views: 1100

Re: What to do in San Diego?

Loved the USS Midway. Last time I was there the USS Carl Vinson had just returned from the Bin Laden mission and was docked in the harbor across from the Midway. I got some great shots from the Midway's bridge across the harbor. Coronado Island is worth seeing. Visit the Hotel Del Coronado, a Victor...
by kenschmidt
Sun Mar 17, 2013 3:32 pm
 
Forum: Personal Consumer Issues
Topic: What to do in San Diego?
Replies: 16
Views: 1100

Re: Lionel Trains and your Crystal Ball

I have my dad's old Lionel train set - it is a 1941 pre-war model. He got it as a Christmas present - by which time the country was at war. It still runs around the tree every Christmas (he's still around to see it thankfully) and survived not only my dad but his two younger brothers and me as well....
by kenschmidt
Tue Mar 12, 2013 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Lionel Trains and your Crystal Ball
Replies: 21
Views: 1436

Re: academic papers regarding zombies...

One can really never be TOO prepared for a zombie apocalypse. Even a relatively minor infestation is not to be taken lightly. I am thankful that this type of analysis is being done NOW, while there is still time.

p.s. The DVR will be recording "The Walking Dead" tonight...
by kenschmidt
Sun Mar 10, 2013 9:30 pm
 
Forum: Personal Consumer Issues
Topic: academic papers regarding zombies...
Replies: 13
Views: 970

Re: Casual Wardrobe Advice Wanted

You might think about going back to the store where the salesperson helped you with the polo shirt purchase. Ask them if they would be able to help you with some additional items or if they have a personal shopper type program to do so. Many stores such as Macy's, Dillard's, Men's Wearhouse, etc., h...
by kenschmidt
Sun Mar 10, 2013 11:38 am
 
Forum: Personal Consumer Issues
Topic: Casual Wardrobe Advice Wanted
Replies: 65
Views: 5261

Re: I'm 23 and moving out, should I get a credit card?

I can't believe how many of you are saying "get one for emergencies." What a ridiculous statement! Build up an emergency fund of at least 3-6 months in a money market account, never to be touched except for an emergency. Don't rely on a credit card for that. Credit cards will bite you mor...
by kenschmidt
Fri Mar 08, 2013 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm 23 and moving out, should I get a credit card?
Replies: 46
Views: 1948

Re: I'm 23 and moving out, should I get a credit card?

I can't believe how many of you are saying "get one for emergencies." What a ridiculous statement! Build up an emergency fund of at least 3-6 months in a money market account, never to be touched except for an emergency. Don't rely on a credit card for that. Credit cards will bite you mor...
by kenschmidt
Fri Mar 08, 2013 3:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm 23 and moving out, should I get a credit card?
Replies: 46
Views: 1948

Re: Milevsky: you should crash your VA with GLB rider now

nisiprius wrote:They can change the terms of the agreement at any time, unilaterally? (Why am I not surprised?)


I missed where this was quoted. I don't think it is true although depending on the rider it might have some truth if you have not yet exercised the option.
by kenschmidt
Fri Mar 08, 2013 3:22 pm
 
Forum: Investing - Theory, News & General
Topic: Milevsky: you should crash your VA with GLB rider now
Replies: 7
Views: 554

Re: Milevsky: you should crash your VA with GLB rider now

I think what Milevsky is saying is that many insurance companies were overly optimistic on the rate at which benefits could be paid on guaranteed lifetime withdraw benefits on annuities. In other words, they were a REALLY good deal when they first came out - to the point that many companies have sca...
by kenschmidt
Fri Mar 08, 2013 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: Milevsky: you should crash your VA with GLB rider now
Replies: 7
Views: 554

Re: How to fight a speeding ticket?

Your best bet since you were likely speeding is to show up at court, speak to the prosecutor and try to plea down the ticket to something where it doesn't show up on your driving record. An attorney probably has a better shot, but you might be able to pull it off yourself as well, especially if this...
by kenschmidt
Fri Mar 08, 2013 10:05 am
 
Forum: Personal Consumer Issues
Topic: How to fight a speeding ticket?
Replies: 30
Views: 1366

Re: I'm 23 and moving out, should I get a credit card?

I would. In addition to having something for emergencies and to build credit, there are many things you may need a credit card to do such as rent a car, reserve a hotel room, etc. I don't know what your future job plans are, but if you ever need to travel for business, you will want a credit card. A...
by kenschmidt
Fri Mar 08, 2013 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: I'm 23 and moving out, should I get a credit card?
Replies: 46
Views: 1948

Re: help with minivan decision please

You might as well repair the Montana regardless of whether you want to keep it or sell it. Once something breaks on a car, you've already paid for it at that moment in time - either in a future repair or a reduced sale or trade-in value.
by kenschmidt
Mon Mar 04, 2013 7:28 pm
 
Forum: Personal Consumer Issues
Topic: help with minivan decision please
Replies: 47
Views: 2677

Re: sending IRS a paper return- attachments?

What manner of witchcraft is this "paper" ye speak of?
by kenschmidt
Sun Feb 24, 2013 8:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: sending IRS a paper return- attachments?
Replies: 20
Views: 783

Re: Refurbished Mac Mini

A lot of refurbished electronics are items that were opened and then returned because the buyer just didn't want the item. There wasn't anything wrong or broken but the manufacturer doesn't want to sell them as new and so they are sold as refurbished. So the process of refurbishing is really just qu...
by kenschmidt
Sun Feb 24, 2013 2:08 pm
 
Forum: Personal Consumer Issues
Topic: Refurbished Mac Mini
Replies: 14
Views: 869

Re: Only after a 150% stock market rally in 4 years...

Being a regular poster back on the old Morningstar Diehards board, I can say that it was exactly like this back in 1999-2000 as well. Not that this will turn out the same (it could), but there were lots of "who needs bonds", "should I dump my value funds and buy Janus Twenty", e...
by kenschmidt
Sun Feb 24, 2013 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: Only after a 150% stock market rally in 4 years...
Replies: 115
Views: 12243

Re: Only after a 150% stock market rally in 4 years...

Being a regular poster back on the old Morningstar Diehards board, I can say that it was exactly like this back in 1999-2000 as well. Not that this will turn out the same (it could), but there were lots of "who needs bonds", "should I dump my value funds and buy Janus Twenty", et...
by kenschmidt
Sun Feb 24, 2013 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: Only after a 150% stock market rally in 4 years...
Replies: 115
Views: 12243

Re: Fidelity Credit Card Page > Security Issue?

It might be worth it to try a different browser (IE, Firefox or Safari) to see if you get the same error. I have seen various browsers throw security certificate errors after an update that eventually gets resolved. If you get the error in multiple browsers, it is much more likely to actually be a p...
by kenschmidt
Sun Feb 24, 2013 12:26 pm
 
Forum: Personal Consumer Issues
Topic: Fidelity Credit Card Page > Security Issue?
Replies: 6
Views: 532

Re: Coin Appraisal?

An individual coin's value is determined by the type/date/mintmark (for example, the D or S below the date on the penny) AND the condition (grade) of the coin. Worn coins are worth less, sometimes far less. Here is a good resource for determining types and grades: http://www.pcgs.com/photograde/ And...
by kenschmidt
Sat Feb 23, 2013 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Coin Appraisal?
Replies: 10
Views: 943

Re: New Lay's Potato Chips - Chicken & Waffles

Just avoid the issue and go for the obvious choice - Sriracha
by kenschmidt
Thu Feb 21, 2013 4:55 pm
 
Forum: Personal Consumer Issues
Topic: New Lay's Potato Chips - Chicken & Waffles
Replies: 37
Views: 4412

Re: How to steal a domain name

Pretty poor security by Network Solutions to tie your authentication to a third party email system which they have absolutely no control over. Are they going to get your domain back for you?
by kenschmidt
Sat Feb 16, 2013 3:24 pm
 
Forum: Personal Consumer Issues
Topic: [domain name stolen]
Replies: 11
Views: 1433

Re: just got the word about my job...health ins?

I know I sound jaded when I say this, but you have got to look out for your own interests. Your employer will certainly look out for theirs. You ARE at the end of something. You've got one more year to reach 65. If your employer wants to get rid of you, at least make them get rid of you. Don't do it...
by kenschmidt
Sat Feb 16, 2013 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: just got the word about my job...health ins?
Replies: 16
Views: 1694

Re: Estimating tax value for clothing donations

There is no requirement to pay for TurboTax to use Its Deductible. We have used it for years and have never used TurboTax. We use TaxAct, and just print out our work for our records. Which the IRS accepted when they examined our return. Thank you for that information. TurboTax indicates you need th...
by kenschmidt
Sat Feb 16, 2013 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Estimating tax value for clothing donations
Replies: 26
Views: 1450

Re: How to steal a domain name

How did the thief connect the domain at Network Solutions to the Yahoo email address that had been deleted to know to re-register that email address at Yahoo? If Network Solutions uses email address as the sole means of communication, I hope they don't ever expose that address to the public.
by kenschmidt
Sat Feb 16, 2013 11:23 am
 
Forum: Personal Consumer Issues
Topic: [domain name stolen]
Replies: 11
Views: 1433

Re: Estimating tax value for clothing donations

I have used It's Deductible and it works well but I usually don't want to pay for the higher version of TurboTax, so I typically do what nydad does - I group clothing into the Goodwill categories - men's slacks, ladies' blouses, etc. Then I use the Goodwill valuation ranges to calculate a total - so...
by kenschmidt
Sat Feb 16, 2013 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Estimating tax value for clothing donations
Replies: 26
Views: 1450

Re: just got the word about my job...health ins?

I think they are hoping that you agree to a change in employment status voluntarily because if they are the ones to initiate the change, it sure could be seen by some as an age discrimination situation. I would tell them you can't afford to go part time or contractor. Then see how serious they are. ...
by kenschmidt
Fri Feb 15, 2013 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: just got the word about my job...health ins?
Replies: 16
Views: 1694

Re: Two Qs about Apps for Android

Avidemux is another pretty nice program for converting AVI to MP4. It takes advantage of the container thing and so is very fast for converting.

http://download.cnet.com/Avidemux/3000- ... 29933.html
by kenschmidt
Wed Feb 13, 2013 10:55 pm
 
Forum: Personal Consumer Issues
Topic: Two Qs about Apps for Android
Replies: 8
Views: 599

Re: Attending National ETF Conference with Rick & Alan !!

Congrats! Sounds like an unforgettable experience!
by kenschmidt
Wed Feb 13, 2013 10:50 pm
 
Forum: Investing - Theory, News & General
Topic: Attending National ETF Conference with Rick & Allan !!
Replies: 8
Views: 509

Re: Quicken Deluxe 2013 Free with TurboTax Purchase at Amazo

I still see it under Special Offers and Product Promotions: http://www.amazon.com/TurboTax-Deluxe-Federal-E-File-State/dp/B009CCXJ0A/ref=br_lf_m_1000853021_1_5_img?ie=UTF8&s=software&pf_rd_p=1419587702&pf_rd_s=center-5&pf_rd_t=1401&pf_rd_i=1000853021&pf_rd_m=ATVPDKIKX0DER&...
by kenschmidt
Mon Feb 11, 2013 11:14 am
 
Forum: Personal Consumer Issues
Topic: Quicken Deluxe 2013 Free with TurboTax Purchase at Amazon
Replies: 15
Views: 1478
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