Search found 2072 matches

Return to advanced search

Re: Central AC and Forced Hot Air Heat (Gas)

There can be an advantage to replacing them both at the same time. When my AC unit went out, I could have replaced just it but would not have been able to take advantage of the new high efficiency AC units as my furnace and air handler did not have the necessary variable speed fan motor to correctly...
by kenschmidt
Thu Apr 17, 2014 8:38 am
 
Forum: Personal Consumer Issues
Topic: Central AC and Forced Hot Air Heat (Gas)
Replies: 9
Views: 391

Re: New homeowner: lawn care advice

I think you will need some type of fertilization program. I live in Ohio and what is appropriate there may be totally different for Texas. I did find this from Texas A&M specific to Texas: http://aggie-horticulture.tamu.edu/earthkind/files/2010/10/fertilizers.pdf The County and/or State Agricult...
by kenschmidt
Mon Apr 14, 2014 3:01 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 47
Views: 2874

Re: Need Ear Bud Recommendation

I have a pair of these - good sound and they are angled to fit snugly in the ear, with 3 different size tips to best fit your ear:

Panasonic RPHJE120K In-Ear Headphone, Black

http://www.amazon.com/Panasonic-RPHJE12 ... B003EM8008
by kenschmidt
Mon Apr 14, 2014 8:56 am
 
Forum: Personal Consumer Issues
Topic: Need Ear Bud Recommendation
Replies: 9
Views: 678

Re: 15 year vs 30 year fixed

If we go with the 30 year, our plan is to start out paying on a 15 year amortization schedule and see how it goes. This is what has always pushed me into 15 year mortgages. I'd say it most likely will go well (paying more to amortize over 15 years). So then the net effect is you have a 15 year loan...
by kenschmidt
Sat Apr 12, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15 year vs 30 year fixed
Replies: 48
Views: 4656

Re: A story, and a feeling of financial under-accomplishment

A few random thoughts: The past is the past. Forget about trying to change it; you can't. Just learn and move forward from this point. You've made amazing progress - be proud of that. There will always be someone richer than you, with better stuff or better looking. Always. So don't worry about it. ...
by kenschmidt
Fri Apr 11, 2014 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: A story, and a feeling of financial under-accomplishment
Replies: 48
Views: 4095

Re: Was Wondering Why Windsor/Wellesley/Wellington?

Do you suspect Bogleheads would hold them in lower proportion than the non-Boglehead population? You know, I have no idea. I really only have two datapoints to work from. Datapoint 1 is based on posts here; I would say most posters here would tend much more strongly towards index funds than the ave...
by kenschmidt
Wed Apr 09, 2014 9:41 pm
 
Forum: Investing - Theory, News & General
Topic: Was Wondering Why Windsor/Wellesley/Wellington?
Replies: 28
Views: 3333

Re: Was Wondering Why Windsor/Wellesley/Wellington?

An index fund is almost always going to be cheaper and more diversified than an active fund, so if that's your screening criteria, that would explain the result. If you screen by performance, Wellington beats all of the other Vanguard balanced funds over the past 10 years and most of them over the p...
by kenschmidt
Wed Apr 09, 2014 7:36 pm
 
Forum: Investing - Theory, News & General
Topic: Was Wondering Why Windsor/Wellesley/Wellington?
Replies: 28
Views: 3333

Re: Where is the Vanguard 03/31/2014 statement?

The OP is correct. No Q1 statements have been posted. No is an awfully strong word. Just because I can't see Pluto with my naked eye doesn't mean it isn't there. This statement could have been SO much better if you had used a different planet. Note: This is not an attempt to start an "is Pluto...
by kenschmidt
Sat Apr 05, 2014 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where is the Vanguard 03/31/2014 statement?
Replies: 32
Views: 2038

Re: HTTPS [Request to implement HTTPS for this site]

I have a slight off topic, but related question. If my employer's IT person gains access to my online banking ID/password and uses it to commit fraud, is the employer liable or just the IT person? IT person responsible for theft. Company not responsible because you probably violated terms of use do...
by kenschmidt
Sat Apr 05, 2014 10:54 am
 
Forum: Forum Issues and Administration
Topic: HTTPS [Request to implement HTTPS for this site]
Replies: 52
Views: 2607

Re: Transmission rebuilt ($2k) or buy a new car? [Honda Civi

In terms of loss of resale value, you already paid for the repair when the transmission went out. The car is basically worthless in its current condition but if you fixed it, you could probably sell it for close to what you pay for the repair. So - I'd go ahead and repair it and if you like the car ...
by kenschmidt
Thu Apr 03, 2014 8:48 pm
 
Forum: Personal Consumer Issues
Topic: Transmission rebuilt ($2k) or buy a new car? [Honda Civic]
Replies: 23
Views: 1122

Re: GPS with "favor interstates" option?

What's the advantage of a dedicated GPS device over google maps on a smartphone? I think the user interface for a dedicated GPS is optimized for being mounted at arms length on the dash; Google Maps is more oriented towards handheld although maybe they have further refined things. GPS units already...
by kenschmidt
Wed Apr 02, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: GPS with "favor interstates" option?
Replies: 37
Views: 1328

Re: GPS with "favor interstates" option?

I really like the feature in Google Maps where you can take a route that it picks and then drag a point with your mouse to modify that route to fit your own itinerary or view of the best route. If Google says make 40 turns to save a half minute when there is a straight and simple route, I can just d...
by kenschmidt
Wed Apr 02, 2014 9:20 am
 
Forum: Personal Consumer Issues
Topic: GPS with "favor interstates" option?
Replies: 37
Views: 1328

Re: DIY Landscaping to Save $

We've done all of our own landscaping. Get a couple of books - relevant to your area if possible - that list plant characteristics, sizes, growth rates, etc. They serve as great reference materials. Most landscaping companies will recommend putting in about twice as many plants as needed in my exper...
by kenschmidt
Tue Apr 01, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: DIY Landscaping to Save $
Replies: 10
Views: 1003

Re: Death of co-worker

I've been through unexpected deaths and it really does shake you. Co-workers, a friend, a friend's child, a young family member with children of their own. It just reminds me that life is fleeting. I always think that the living have an obligation to those that have passed to try to leave a positive...
by kenschmidt
Mon Mar 31, 2014 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 9251

Re: Warning: Stocks Will Collapse by 50% in 2014

Dammit, not again. These 50% drops are happening every 5 years now.
by kenschmidt
Mon Mar 31, 2014 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: Warning: Stocks Will Collapse by 50% in 2014
Replies: 21
Views: 2801

Re: Windows XP to Linux Question with existing HW

Just a word of warning - some older laptop CPU's do not support PAE (physical address extension), which is typically required for most newer Linux based distributions. I ran into this with an old laptop and ended up just bagging it. If your laptop has a Pentium M or Celeron processor, you might enco...
by kenschmidt
Mon Mar 31, 2014 7:46 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP to Linux Question with existing HW
Replies: 61
Views: 2308

Re: Is The US Stock Market Rigged? ~ 60 Minutes March 30, 20

I saw the 60 Minutes show. A good reason to use index funds and avoid market timing. The rapid traders were front running and skimming a little bit off of every trade made. Even if you held only index funds, you were still impacted, although the low turnover of index funds would lead to fewer trans...
by kenschmidt
Mon Mar 31, 2014 9:54 am
 
Forum: Investing - Theory, News & General
Topic: 60 Minutes 3-30-14: Michael Lewis book "Flash Boys"
Replies: 70
Views: 2458

Re: BH Vacations

I may be off the mark here, but I get the impression that the OP is younger and just starting out (girlfriend..., friends..., no money or can't get off work...). You have to be frugal when you are young because you don't have much money yet.
by kenschmidt
Sun Mar 30, 2014 3:55 pm
 
Forum: Personal Consumer Issues
Topic: BH Vacations
Replies: 50
Views: 3179

Re: Purchasing New Tires for Car and Need Suggestions

I would start with reading the reviews and especially the surveys at tirerack.com. Lots of good information there to start.
by kenschmidt
Sun Mar 30, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Purchasing New Tires for Car and Need Suggestions
Replies: 38
Views: 2012

Re: Thoughts on New SUV Purchase

I think the first step is to try to do a quick look at as many of these vehicles as possible. We were recently in the market for a new vehicle and went to the yearly auto show in town, where you can look at all the vehicles at once. There are a number of vehicles we had high on our list that we pret...
by kenschmidt
Sun Mar 30, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: Thoughts on New SUV Purchase
Replies: 14
Views: 1232

Re: BH Vacations

If you want a slight upgrade over camping while still keeping costs reasonable, look into state parks. In my area (Ohio, Kentucky, Indiana), there are a number of great state parks where you can rent cabins or lodge rooms pretty cheaply. Get a group, rent a few cabins and have a great time hiking, g...
by kenschmidt
Sun Mar 30, 2014 11:12 am
 
Forum: Personal Consumer Issues
Topic: BH Vacations
Replies: 50
Views: 3179

Re: Tree stump removal

Your ash tree most likely succumbed to Emerald Ash Borer, an insect that originally is believed to have entered the US in Michigan and is spreading through the US as American ashes have no real defense against this species. If you have other ash trees in your yard, they are also likely to be lost wi...
by kenschmidt
Sun Mar 30, 2014 10:57 am
 
Forum: Personal Consumer Issues
Topic: Tree stump removal
Replies: 25
Views: 1726

Re: Advanced Car Buying Techniques

Congrats on the new car. If you got 15 years out of your Camry, I'd say you did fine. At some point, age plus miles takes it's toll. That's where we ended up with the old Caravan (2002) that the Odyssey replaced. Liked the Caravan but just started to feel like we had extracted the reliability out of...
by kenschmidt
Sat Mar 29, 2014 10:59 am
 
Forum: Personal Consumer Issues
Topic: Advanced Car Buying Techniques
Replies: 16
Views: 2064

Re: Do you have hardwood or tile in your kitchen?

We have hardwood (#1 red oak) in the kitchen. It's about 15 years old and has held up well. We had it re screened about 5 years ago (basically a reapplication of stain and urethane sealer short of a full, down to the bare wood refinishing) and it looks great. I think hardwood is warmer and easier to...
by kenschmidt
Sat Mar 29, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: Do you have hardwood or tile in your kitchen?
Replies: 57
Views: 3082

Re: Electric razors where replacement blades cost same as ra

I have always liked Braun shavers. These are the twin foil style and I typically pay $100 or more for he razor, but I go years before I need to replace the shaving head/blades. I've owned three over the past 30 years; I probably have replaced the blades at around the 5-6 year mark and the rechargeab...
by kenschmidt
Sat Mar 29, 2014 10:00 am
 
Forum: Personal Consumer Issues
Topic: Electric razors where replacement blades cost same as razor
Replies: 19
Views: 1227

Re: good excel app for iPad?

Today is your lucky day. Microsoft just made excel (word,power point) available on the iPad. And so the far the reviews have been very good. http://www.pcworld.com/article/2111900/microsoft-office-for-ipad-review-finally-true-productivity-on-your-tablet.html --Keanwood Does anyone know if these app...
by kenschmidt
Fri Mar 28, 2014 8:35 am
 
Forum: Personal Consumer Issues
Topic: good excel app for iPad?
Replies: 28
Views: 2304

Re: good excel app for iPad?

Speaking of spreadsheets, who remembers Lotus123? I've always thought that without spreadsheets and word processors (Wordperfect, etc) the original PC would not have been nearly as successful. I used Lotus 123 version 1.0 on an original IBM PC. Didn't even have a hard drive. You booted up Dos from ...
by kenschmidt
Fri Mar 28, 2014 8:29 am
 
Forum: Personal Consumer Issues
Topic: good excel app for iPad?
Replies: 28
Views: 2304

Re: Advanced Car Buying Techniques

I just bought a 2014 Honda Odyssey last weekend so here are my answers to your questions based on my experience: Advanced Car Buying Techniques Question #1 VIN. What data do I focus on in the VIN? http://en.wikibooks.org/wiki/Vehicle_Id ... (VIN_codes)/Honda/VIN_Codes There is a lot of info in the V...
by kenschmidt
Sun Mar 23, 2014 12:54 pm
 
Forum: Personal Consumer Issues
Topic: Advanced Car Buying Techniques
Replies: 16
Views: 2064

Re: PenFed v. Truecar v. BJs v. Costco auto buying

I bought a Honda Odyssey last weekend and although I started with Truecar, I was able to to negotiate an additional $1400 below the best Truecar price and almost $5000 off MSRP by the time I was done. Truecar was a starting point but I found my best results were working directly with individual deal...
by kenschmidt
Sat Mar 22, 2014 9:20 pm
 
Forum: Personal Consumer Issues
Topic: PenFed v. Truecar v. BJs v. Costco auto buying
Replies: 16
Views: 1775

Re: Anyone experienced problems with Honda V-6 VCM engines?

Thanks for that information about Truecar pricing. You say you originally contacted these dealers through Truecar and they came in with lower prices? Yes, exactly. I just sort of ignored the Truecar price and asked for pricing on the particular model I was interested in. That would not have necessa...
by kenschmidt
Fri Mar 21, 2014 8:36 pm
 
Forum: Personal Consumer Issues
Topic: Anyone experienced problems with Honda V-6 VCM engines?
Replies: 36
Views: 1772

Re: Anyone experienced problems with Honda V-6 VCM engines?

Having just purchased a 2014 Odyssey with the V-6 VCM last week, this is all just a bit disconcerting. I haven't been able to determine if there were any changes made by Honda to address this issue for the 2014 models. I was shocked by how much they were discounting the Odyssey - almost $5000 off M...
by kenschmidt
Fri Mar 21, 2014 8:53 am
 
Forum: Personal Consumer Issues
Topic: Anyone experienced problems with Honda V-6 VCM engines?
Replies: 36
Views: 1772

Re: Anyone experienced problems with Honda V-6 VCM engines?

Having just purchased a 2014 Odyssey with the V-6 VCM last week, this is all just a bit disconcerting. I haven't been able to determine if there were any changes made by Honda to address this issue for the 2014 models. I was shocked by how much they were discounting the Odyssey - almost $5000 off MS...
by kenschmidt
Thu Mar 20, 2014 9:42 pm
 
Forum: Personal Consumer Issues
Topic: Anyone experienced problems with Honda V-6 VCM engines?
Replies: 36
Views: 1772

Re: Point & Shoot Camera for a Senior

I had a predecessor to the A2500 (A2200) and I thought is was terrible. A downgrade from my previous Canon A530 which took great pictures for the price point. I think the ELPH is a much better camera for just a little more. If you want to take good pictures in low light (which is oftentimes inside t...
by kenschmidt
Wed Mar 19, 2014 11:09 am
 
Forum: Personal Consumer Issues
Topic: Point & Shoot Camera for a Senior
Replies: 22
Views: 847

Re: Was frugality a mistake? The downsides of saving too mu

There is so much uncertainty that you are really forced to over-save. What will the stock market do over the next 20 years? If it doubles twice, I am going to be in great shape. If it's flat, I will probably need every penny I am saving. What is my health is poor? What if my parents leave me a nice...
by kenschmidt
Sat Mar 15, 2014 12:56 pm
 
Forum: Personal Consumer Issues
Topic: Was frugality a mistake? The downsides of saving too much.
Replies: 115
Views: 8769

Re: Was frugality a mistake? The downsides of saving too mu

It is a difficult question. Just a few random observations: It is a lot easier to have too much money later in life and reward yourself with a few luxuries than it is to not have enough later in life and struggle to get by when it is too late to save. Compound interest is your friend. The only way t...
by kenschmidt
Sat Mar 15, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: Was frugality a mistake? The downsides of saving too much.
Replies: 115
Views: 8769

Re: OMG, There Goes Coinstar?

RyeWhiskey wrote:I roll all my coins by hand. This way I can sort out any pre-1964 dimes/quarters (for silver) and any pre-1982 pennies (for copper) or other cool collectible items.


Most excellent, RyeWhiskey!
by kenschmidt
Sun Mar 09, 2014 2:43 pm
 
Forum: Personal Consumer Issues
Topic: OMG, There Goes Coinstar?
Replies: 38
Views: 3833

Re: HUGE retirement decision.

From an actuarial standpoint, these choices are all likely financially the same to the pension fund - i.e., all three will, on average, result in the pension fund paying out the same amount over time. I think it comes down to this simple question - if one of you were to pass away, how much money doe...
by kenschmidt
Sun Mar 09, 2014 9:49 am
 
Forum: Personal Finance (Not Investing)
Topic: HUGE retirement decision.
Replies: 71
Views: 5992

Re: Air Crash Insurance

When I was young (mid-1970's), we used to load up the Chevy and go to Naples Florida ever year. This was before Naples became affluent and upscale. We'd go to the Naples airport and watch DC-3's, which were still in service for short flights between Florida cities. Great old planes - probably one of...
by kenschmidt
Sat Mar 08, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Air Crash Insurance
Replies: 15
Views: 1134

Re: New Washing Machines

On the dryer, make sure the lint filter is clean; the landlord should also check the vent pipe from the dryer to the outside - if airflow is restricted, the clothes won't dry well. It's a potential fire hazard as well.
by kenschmidt
Sat Mar 08, 2014 1:06 pm
 
Forum: Personal Consumer Issues
Topic: New Washing Machines
Replies: 6
Views: 739

Re: Staying the Course has never been harder

Whenever the stock market starts hitting new highs, it's very easy to start thinking about increasing your allocation to stocks. I always try to remember that at some point in the future, stocks will drop and you will get the urge to want to get out of stocks to try to save what's left of your money...
by kenschmidt
Sat Mar 08, 2014 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: Staying the Course has never been harder
Replies: 45
Views: 4630

Re: New Washing Machines

It's most likely a top loading high efficiency washer. Most manufacturers recommend using high efficiency detergent (labeled HE) which suds less.

(we have one of these washers and use the HE detergent)
by kenschmidt
Fri Mar 07, 2014 7:45 pm
 
Forum: Personal Consumer Issues
Topic: New Washing Machines
Replies: 6
Views: 739

Re: How much should I pay - 2013 Lexus GS FSport

My guess is with that many miles it was driven regularly by the dealer manager, sales manager or as a perk for being salesman of the month. I'd price it as a used 2013. Use sites like edmunds, kbb or nadaguides to get a range of retail prices. Probably a good idea to compare to a new 2014 as well us...
by kenschmidt
Wed Mar 05, 2014 9:48 pm
 
Forum: Personal Consumer Issues
Topic: How much should I pay - 2013 Lexus GS FSport
Replies: 17
Views: 843

Re: Bogleheads.org Home Page Updated

I miss the link to the Morningstar Portfolio Tracker, but then it's quite possible that I was one of few who used it. I can adjust.

Overall, new layout is modern and clean and after a slight adjustment period, all is well!
by kenschmidt
Mon Mar 03, 2014 9:07 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9063

Re: International Fund Merger Info

I am a Developed Markets Index shareholder and it does seem strange that they are moving my fund into the Tax-managed International fund, but they are going to rename it Developed Markets Index, aren't going to tax manage it anymore and are realigning tax-managed's investments to match the Developed...
by kenschmidt
Mon Mar 03, 2014 8:42 pm
 
Forum: Investing - Theory, News & General
Topic: International Fund Merger Info
Replies: 16
Views: 780

Re: Moving btwn Funds - how does it work?

It is a one step exchange transaction as Laura indicated, although behind the scenes it is actually a sale of your current fund and a buy of your new fund. Because you are in a tax-advantaged IRA, there are no capital gains to worry about and Vanguard as a general rule does not charge transaction fe...
by kenschmidt
Mon Mar 03, 2014 8:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving btwn Funds - how does it work?
Replies: 5
Views: 335

Re: washing machine - front loader or HE top loader?

We have the Samsung HE top loader and have been very happy with it. I know a lot of people who have trouble with the front loaders, so we wanted to avoid that style. As mentioned above, we keep,the lid open when not in use and have not had any difficulties with odor or mildew. It plays music when it...
by kenschmidt
Sun Mar 02, 2014 5:04 pm
 
Forum: Personal Consumer Issues
Topic: washing machine - front loader or HE top loader?
Replies: 52
Views: 2748

Re: 401(k) S&P500 Stock Index Fund that doesn't pay dividend

My concern is that it tracks the price of the index, but not the total return (less by at least the dividends). To me that is a significant loss of compounding and a reason to press the 401k committee to get a more favorable index fund in there. No, no. The fund collects the dividends paid by the a...
by kenschmidt
Fri Feb 28, 2014 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401(k) S&P500 Stock Index Fund that doesn't pay dividends
Replies: 29
Views: 1710

Re: custom build home financing

Yes, that was my point with preferring the builder to carry the financing. Sorry if I wasn't clear - edited my post above.
by kenschmidt
Thu Feb 27, 2014 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: custom build home financing
Replies: 8
Views: 732

Re: custom build home financing

I've custom built two houses and had both types of loans. I preferred having the builder carry the financing on the construction and then I pay them in full for the house at the end of construction using a traditional mortgage closing. I've also done a convertible construction loan where the builder...
by kenschmidt
Thu Feb 27, 2014 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: custom build home financing
Replies: 8
Views: 732

Re: Bitcoin price plunges

I have no idea if Bitcoin will be viable long-term or not, but it is important to note that the flaw in this case is with Mt. Gox and their exchange system and not with Bitcoin itself. I'm pulling for Dogecoin myself... My take is that even if it is completely isolated to Mt Gox, it puts serious do...
by kenschmidt
Wed Feb 26, 2014 11:07 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin price plunges
Replies: 246
Views: 17953
Next

Return to advanced search