Search found 2600 matches

by kenschmidt
Sun Aug 30, 2015 10:00 am
Forum: Personal Consumer Issues
Topic: Buying a "dinosaur" laptop
Replies: 28
Views: 3517

Re: Buying a "dinosaur" laptop

What I have found shopping computers at Best Buy is that they have models on display at the store that are oriented towards "walk-in" traffic and then other "web specials" available at the store but not really displayed. I think they are trying to compete on the web on price with...
by kenschmidt
Sun Aug 30, 2015 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting infrequent expenses (refrigerator, new tires, paint house, etc)
Replies: 24
Views: 1955

Re: Budgeting infrequent expenses (refrigerator, new tires, paint house, etc)

Like a few of the others above, I also don't really budget for infrequent expenses. I maintain about a six month emergency fund and any unexpected expense of under around $1000 doesn't even really hit the radar. I just pay for it out of the six month pool of money and then defer discretionary spendi...
by kenschmidt
Sun Aug 30, 2015 9:15 am
Forum: Personal Consumer Issues
Topic: strange scale on tree branches, need guidance
Replies: 5
Views: 589

Re: strange scale on tree branches, need guidance

I had a similar problem with scale on a Magnolia and using a dormant oil was very effective. I don't remember the exact timing but I believe it was an application in the fall and another in the spring. I don't know if this plant will drop leaves in the fall, but if so, it is easier to get good cover...
by kenschmidt
Sat Aug 29, 2015 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Trying to prevent lifestyle creep
Replies: 28
Views: 3638

Re: Trying to prevent lifestyle creep

I would focus on some of the bigger items first. What do you spend your money on? Take three things I can think of off the top of my head - cars, vacations and eating out. What are the priorities? For me, I am ok buying new cars and driving them for a long time - 12 years or more. I am content to go...
by kenschmidt
Fri Aug 28, 2015 10:04 pm
Forum: Investing - Theory, News & General
Topic: The Oft-Ignored Fact: Real stock returns were only 2.2% since 1870.
Replies: 22
Views: 2770

Re: The Oft-Ignored Fact: Real stock returns were only 2.2% since 1870.

pkcrafter wrote:Where did Nisiprius get the decoder ring trick?

Drag mouse across text the blank quote to reveal comments.
:shock:

Paul


I am still looking for the mouse on my iPad. There is another way to reveal the secret text however...
by kenschmidt
Fri Aug 28, 2015 11:05 am
Forum: Investing - Theory, News & General
Topic: The Oft-Ignored Fact: Real stock returns were only 2.2% since 1870.
Replies: 22
Views: 2770

Re: The Oft-Ignored Fact: Real stock returns were only 2.2% since 1870.

It is also very important to remember that the starting point of these types of analyses is very very important. For example, looking at the data, you can say that price barely budged between 1871 and 1921 - 85.04 in 1871 to 89.31 in 1921. That's 50 years! But shift the dates around a little and you...
by kenschmidt
Mon Aug 24, 2015 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Actual Timing of Vanguard Transactions
Replies: 4
Views: 433

Re: Actual Timing of Vanguard Transactions

Transactions submitted before the market closes - typically 4pm Eastern time (some holidays are exceptions) - will be purchased at the closing price calculated at the end of that day. All mutual fund houses will calculate the value of all of the securities in each fund to come up with the net asset ...
by kenschmidt
Mon Aug 24, 2015 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: 40 years with MegaCorp...Retiring Friday
Replies: 22
Views: 3416

Re: 40 years with MegaCorp...Retiring Friday

Congratulations! What an accomplishment. Your story reminds me of my dad. He worked 43 years for the "same" company. Except it went from owned privately to owned by a large conglomerate to spun off into a separate holding company to bought out by another public company. He referred to hims...
by kenschmidt
Sun Aug 23, 2015 11:15 am
Forum: Investing - Theory, News & General
Topic: A warning on RBDs [Really Bad Days]
Replies: 46
Views: 6814

Re: A warning on RBDs

http://s22.postimg.org/vkney0uw1/Captura_de_pantalla_2015_08_22_a_las_12_39_44_PM.png The other nice thing about a chart like this is that we can data mine it to present any particular view we would like. For example, let's say the slide continues and the Dow drops to 14,000 by the end of the year....
by kenschmidt
Sat Aug 22, 2015 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Intuit to Sell off Quicken
Replies: 26
Views: 2844

Re: Intuit to Sell off Quicken

In addition, the older the software base gets, the harder it is to maintain (due to complexity and the cumulative effect of change). It is also harder to find developers to maintain it as it is probably written in some older technology stack that is no longer mainstream. The cost/benefit might not b...
by kenschmidt
Sat Aug 22, 2015 9:46 am
Forum: Personal Consumer Issues
Topic: time for a new car?
Replies: 26
Views: 2485

Re: time for a new car?

If you wanted to sell that Accord, I think you would have people lined up to buy it. People are looking for those older Hondas and Toyotas. There's a good chance there's at least another 50k and 5 years left in it. I think the time to buy a new car is when you think it is about to explode. I know yo...
by kenschmidt
Sat Aug 22, 2015 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard forms - cap letters and black ink
Replies: 8
Views: 541

Re: Vanguard forms - cap letters and black ink

If they rejected the form for that reason, I would ask to speak to a customer service supervisor and tell them I thought that was TERRIBLE customer service. Look, I understand that they want to do Optical Character Recognition on the forms, but machine unreadable forms are their problem, not yours. ...
by kenschmidt
Fri Aug 21, 2015 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Intuit to Sell off Quicken
Replies: 26
Views: 2844

Re: Intuit to Sell off Quicken

I too rely on Quicken but it I think technology has passed it by. It is a desktop piece of software installed on a computer in a world of web based, cloud and mobile applications. I personally like that the data is all local to my PC but from a product development and technology standpoint, there ar...
by kenschmidt
Thu Aug 20, 2015 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Seperated from service
Replies: 7
Views: 411

Re: 401k Seperated from service

Typically when your company is acquired by another company and you are employed by the new company, there is no separation of service. Just a change in the corporate ownership structure. You go along for the ride so to speak. Since the new owner now administers both the old RadioShack 401k plan as w...
by kenschmidt
Mon Aug 17, 2015 12:58 pm
Forum: Forum Issues and Administration
Topic: Better way to view oldest unread post in a thread?
Replies: 12
Views: 1262

Re: Better way to view oldest unread post in a thread?

There is also a "First Unread Post" link on the right side of the post title when viewing the post. It is to the left of the number of posts and page count.
by kenschmidt
Thu Aug 13, 2015 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Gasoline price [rise in Midwest]
Replies: 18
Views: 1625

Re: Gasoline price [rise in Midwest]

It always baffles me that people think that oil producers are delivering gasoline today with oil they purchased this morning. Or that there's only one type of gasoline and demand is equal for it throughout the US. They may not be delivering it today with oil purchased this morning, but the local ga...
by kenschmidt
Thu Aug 13, 2015 2:12 pm
Forum: Investing - Theory, News & General
Topic: Why are Vanguard's bond funds Actively managed?
Replies: 9
Views: 1717

Re: Why are Vanguard's bond funds Actively managed?

The reason passively managed bond funds win out are because the average actively managed bond fund is too expensive.

Vanguard's actively managed bond funds are just as cheap as their index bond funds, so it doesn't really matter how they are managed.
by kenschmidt
Thu Aug 13, 2015 8:34 am
Forum: Personal Consumer Issues
Topic: Maximizing space in a small house
Replies: 39
Views: 4073

Re: Maximizing space in a small house

IKEA also has entire displays of rooms to demonstrate maximum use of small spaces. You can walk through and get many ideas just by walking through.
by kenschmidt
Thu Aug 13, 2015 8:18 am
Forum: Investing - Theory, News & General
Topic: Active or Passive bond funds?
Replies: 7
Views: 661

Re: Active or Passive bond funds?

No, the data is not conclusive that passively managed bond funds outperform actively managed bond funds. Although true, you are looking at the wrong metric. What is conclusive is that low cost, low turnover funds outperform high cost and high turnover bond funds. All of the Vanguard bond funds are l...
by kenschmidt
Sun Aug 09, 2015 11:26 am
Forum: Investing - Theory, News & General
Topic: Why did PCRIX DOUBLE? [PIMCO CommodityRealReturn Strategy]
Replies: 7
Views: 802

Re: Why did PCRIX DOUBLE? [PIMCO CommodityRealReturn Strategy]

PCRIX has been the gift that keeps on giving lately - three years of double-digit losses I believe.

Thanks for the heads up on this. Too bad it's just a split. I could use a gain for a change.
by kenschmidt
Sun Aug 09, 2015 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Got laid off last Friday
Replies: 53
Views: 8818

Re: Got laid off last Friday

For being 35 years old, you have saved a TON of money - almost half a million for retirement and you home equity is north of $200k. You have given yourself a lot of options by doing that. In my opinion, you need money and cash flow now and I think you can take your foot off the gas so to speak on th...
by kenschmidt
Wed Aug 05, 2015 12:27 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 29426

Re: Free Windows 10 Upgrade, Yes or No?

TomatoTomahto wrote:Has anyone updated that uses Quicken?


No issues with Quicken 2013 Deluxe that I have run into.
by kenschmidt
Mon Aug 03, 2015 9:11 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 29426

Re: Free Windows 10 Upgrade, Yes or No?

Can someone please explain why I'd want to upgrade from 8.1 which i feel comfortable with. I was lost when I first went from Win 7 to 8 because I couldn't find where things where. Don't want to go thru that again. (Fot the record, I started with DOS 1.0 and have been thru all the other versions exc...
by kenschmidt
Sat Aug 01, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: Crab Grass
Replies: 33
Views: 2785

Re: Crab Grass

If you have areas that are all crabgrass, you could spray them with Roundup and then around Sept. 1, rough up the soil around the area sprayed and reseed - the Roundup does not have what is called "soil activity", so it does not remain and prevent future germination. There is a product tha...
by kenschmidt
Thu Jul 30, 2015 7:02 pm
Forum: Personal Consumer Issues
Topic: Getting Hawaiian shave ice on the East Coast
Replies: 21
Views: 1367

Re: Getting Hawaiian shave ice on the East Coast

Kona Ice Truck:

http://www.kona-ice.com/find-a-kona/

Just enter your zip code; I took a guess and found a few near Harrisburg, PA.
by kenschmidt
Tue Jul 28, 2015 1:54 pm
Forum: Personal Consumer Issues
Topic: garage door opener resuscitation possible?
Replies: 23
Views: 971

Re: garage door opener resuscitation possible?

I think it is coincidence that you both pushed buttons at the same time, I do not believe this could cause a failure. I think the failure came later, i.e. after a couple of cycles. So the motor or gear train inside the box has likely failed. Try cycling the power, but if the wall-mounted (lighted) ...
by kenschmidt
Tue Jul 28, 2015 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Can I reject a medical exam during insurance application without consequences?
Replies: 48
Views: 2971

Re: Can I reject a medical exam during insurance application without consequences?

You are not going to be able to get any significant amount of insurance at any kind of reasonable price without providing some type of evidence of insurability. That evidence will include a medical exam. It is like applying for a loan and not wanting to provide proof you have means to pay back the l...
by kenschmidt
Tue Jul 28, 2015 7:50 am
Forum: Personal Consumer Issues
Topic: Visiting Northern Kentucky / Mammoth Cave area with kids
Replies: 19
Views: 1059

Re: Visiting Northern Kentucky / Mammoth Cave area with kids

Mammoth Cave is worth the trip. Buy your tickets in advance - nothing worse than getting there and not being able to get into the cave. I would recommend the Historic Tour just because it is neat to walk into the main entrance of the cave and then see some of the larger "rooms". If your ki...
by kenschmidt
Sun Jul 26, 2015 9:57 am
Forum: Investing - Theory, News & General
Topic: Is the commodity implosion foretelling a stock market crash?
Replies: 28
Views: 3135

Re: Is the commodity implosion foretelling a stock market crash?

There is also a technological revolution going on in the energy sector with new techniques for extracting previously unavailable petroleum reserves that is putting downward pressure on oil prices, which make up a large part of the commodities market. I do agree with you that current commodities pric...
by kenschmidt
Sat Jul 25, 2015 11:51 am
Forum: Personal Consumer Issues
Topic: Low mileage oil change
Replies: 37
Views: 4092

Re: Low mileage oil change

+2

I do mine every six months if I haven't hit the mileage point.

Oil sitting on a shelf doesn't have other stuff in it from circulating through an engine. Especially in cases where the car doesn't get up to full operating temperature regularly, I think every six months is a good idea.
by kenschmidt
Sat Jul 25, 2015 11:47 am
Forum: Investing - Theory, News & General
Topic: Mortgage as a reverse-bond technique
Replies: 36
Views: 1698

Re: Mortgage as a reverse-bond technique

I think paying off a mortgage early is always a pretty decent idea. In terms of the bond funds, I think you are trying to predict a specific future and it may not pan out that way. As ogd points out, people have been predicting the slow bleed of rising rates for awhile now and it hasn't happened. He...
by kenschmidt
Sat Jul 25, 2015 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Lesson learned about RBD [Really Bad Day]
Replies: 29
Views: 2618

Re: Lesson learned about RBD [Really Bad Day]

I think the important thing to remember here is that had you instead invested the money immediately, the market would have fallen 3% instead of risen 3%. At least that's how it seems to work for me!
by kenschmidt
Fri Jul 24, 2015 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Indexing vs. Active Management
Replies: 12
Views: 977

Re: Indexing vs. Active Management

Turnover for TRP Blue Chip Growth is 32% according to Morningstar. That's pretty low. Turnover is a bigger killer of performance than Expense Ratio in my opinion. Blue Chip Growth holds, on average, larger and "growthier" stocks than Total Stock Market Index, so to the extent those have ou...
by kenschmidt
Fri Jul 24, 2015 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: E-Statement Alert Gone for Chase Credit Card
Replies: 46
Views: 2588

Re: E-Statement Alert Gone for Chase Credit Card

These types of problems are a big reason why I still prefer to get a paper statement every month. Archaic I know.
by kenschmidt
Sat Jul 18, 2015 9:49 am
Forum: Personal Consumer Issues
Topic: Recommendations for gas grill
Replies: 63
Views: 5111

Re: Recommendations for gas grill

I have a Weber Spirit and it is the best grill I have ever owned. It is around 10 years old - I recently replaced the burner and flavorizer bars and it is like new again.
by kenschmidt
Thu Jul 16, 2015 4:03 pm
Forum: Personal Consumer Issues
Topic: Needing an External Drive
Replies: 24
Views: 1528

Re: Needing an External Drive

Depending on the size of your music library, you might be able to get by with a 32GB or 64GB flash drive instead. If you need more space, I would go with one of the portable external drives as opposed to the desktop models given your planned usage. Other than that, they are pretty much a commodity p...
by kenschmidt
Wed Jul 15, 2015 2:08 pm
Forum: Personal Consumer Issues
Topic: Car Tire Question
Replies: 13
Views: 993

Re: Car Tire Question

The guidelines I have always seen are: 2/32 - replace 4/32 - replace if regularly driving in rain 6/32 - replace if regularly driving in snow I think I would probably go ahead and replace these before winter (all 4). OEM tires are generally pretty poor anyway and my experience and it's just not wort...
by kenschmidt
Wed Jul 15, 2015 10:11 am
Forum: Personal Consumer Issues
Topic: Updated - Propane Oven Makes Me Sick - Repair or Buy New?
Replies: 35
Views: 2193

Re: Updated - Propane Oven Makes Me Sick - Repair or Buy New?

I know you have already decided to replace, but I was faced with a similar decision (same part) a couple of years ago on a 14 year old Jenn-Aire range and went the repair route. One, because the current gas ranges looked cheap to us (we have white and most of the focus is on stainless steel) and two...
by kenschmidt
Wed Jul 15, 2015 10:08 am
Forum: Personal Consumer Issues
Topic: Updated - Propane Oven Makes Me Sick - Repair or Buy New?
Replies: 35
Views: 2193

Re: Updated - Propane Oven Makes Me Sick - Repair or Buy New?

I know you have already decided to replace, but I was faced with a similar decision (same part) a couple of years ago on a 14 year old Jenn-Aire range and went the repair route. One, because the current gas ranges looked cheap to us (we have white and most of the focus is on stainless steel) and two...
by kenschmidt
Wed Jul 15, 2015 9:01 am
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 7015

Re: I tipped 15% and got a dirty look

I don't know - $10 / 15% - it's not like you stiffed her. Sound more like her issue than yours in my opinion.
by kenschmidt
Tue Jul 14, 2015 8:09 pm
Forum: Personal Consumer Issues
Topic: Which professional to contact? [Front yard maintenance]
Replies: 12
Views: 1070

Re: Which professional to contact?

Not sure what climate you live in; where I live (Midwest), I would get a load of dirt delivered, fill in the depression and then put down grass seed and mulch with straw. Water every other day if it doesn't rain until it is long enough to cut. Done. A landscaper would be your best bet to do this kin...
by kenschmidt
Tue Jul 14, 2015 4:02 pm
Forum: Personal Consumer Issues
Topic: Alternatives to iTunes on Windows 7 PC
Replies: 14
Views: 837

Re: Alternatives to iTunes on Windows 7 PC

I also discovered via the web that iOS eats space over time. I backed up my iPad to iCloud, reset it to factory settings and then restored it and freed up about 4GB. Might be something else to try - really improved mine. Interesting. I wonder if the same is true with an iPhone (though maybe on a sm...
by kenschmidt
Mon Jul 13, 2015 8:02 pm
Forum: Personal Consumer Issues
Topic: Alternatives to iTunes on Windows 7 PC
Replies: 14
Views: 837

Re: Alternatives to iTunes on Windows 7 PC

Seems like you should be able to do this without iTunes: http://www.leawo.org/tutorial/how-to-delete-movies-on-ipad-to-free-up-storage-space.html Alternative Settings>General>Usage>Storage>Video>Tap Edit button>Delete movie I also discovered via the web that iOS eats space over time. I backed up my ...
by kenschmidt
Mon Jul 13, 2015 6:31 pm
Forum: Personal Consumer Issues
Topic: Builder wants to put a retaining wall on my property
Replies: 52
Views: 4721

Re: Builder wants to put a retaining wall on my property

This is similar to an easement, where you permit use of your property to another party, usually for a specifically stated purpose, while you retain ownership of the property. It is not an easement per se because ultimately once the wall is completed, the developer has no further need to use your pro...
by kenschmidt
Sun Jul 12, 2015 11:00 pm
Forum: Personal Consumer Issues
Topic: Online Auction - Coins
Replies: 12
Views: 1095

Re: Online Auction - Coins

Teletrade is gone now, acquired and merged into Stack's Bowers - stacksbowers.com Heritage Auctions is another source if you are looking for higher end coins - coins.ha.com I also buy on eBay but as hollowcave says, make sure you are very familiar with what you are buying - there's a lot of garbage ...
by kenschmidt
Sun Jul 12, 2015 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015
Replies: 16
Views: 1491

Re: Quicken 2015

Another long time Quicken user, started in 1999 with Quicken for DOS 6.0 if I remember the version correctly. Invaluable tool for me; like others, I upgrade every 3 years and so will wait until 2016 as I am currently on 2013 Deluxe.
by kenschmidt
Sun Jul 12, 2015 12:12 pm
Forum: Investing - Theory, News & General
Topic: The "No Bonds" portfolio
Replies: 80
Views: 11540

Re: The "No Bonds" portfolio

I only see this type of recommendation when the stock market is at all time highs.

CD's are fine but I wouldn't be at all surprised if Total Bond Market returns more than CD's in 5 years.
by kenschmidt
Sat Jul 11, 2015 11:43 am
Forum: Personal Consumer Issues
Topic: Buying a House Drama
Replies: 23
Views: 2833

Re: Buying a House Drama

I once sold a computer CPU on eBay. Comparable items were going for around $80. I started mine at $45 with a buy it now of $80. I got an email from someone who said "will you accept $25?". No, I replied. Will you accept $30? No, value of this item is closer to $80+. Will you accept $35?. N...
by kenschmidt
Sat Jul 11, 2015 10:30 am
Forum: Investing - Theory, News & General
Topic: Indexing vs Active Stock Selection
Replies: 50
Views: 3951

Re: Indexing vs Active Stock Selection

There is a bit of a lottery aspect to this. You happened to work for a company that has had outstanding stock performance. That's great - congratulations for being a part of a successful company - America at its best really. In Cincinnati (where I live), there is a phenomenon called the "P&...
by kenschmidt
Wed Jul 08, 2015 12:12 pm
Forum: Personal Consumer Issues
Topic: kitchenaid vs. bosch dishwasher
Replies: 61
Views: 3501

Re: kitchenaid vs. bosch dishwasher

We recently bought a Bosch 500 series; I think the racking system and third rack is worth the extra cost over most of the Ascenta models. It's been wonderful so far. The Boschs use a condensing drying technique; there is no heated dry cycle - the heat of the dishes causes the moisture to condense on...

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