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Re: What "actively" managed funds do you own?

Vanguard Primecap (1998)
Vanguqrd Windsor II (1998)
Baron Growth (1999)
Oakmark International (2001)
PIMCO Commodity Real Return (2004)

About 45% of total portfolio.
by kenschmidt
Sun Dec 21, 2014 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: What "actively" managed funds do you own?
Replies: 68
Views: 2571

Re: Is VG Portfolio Tool too aggressive?

P.S. The big problem with risk questionnaires is that they don't even try to put you in the picture. In effect they say "In a very bumpy flight like 2008-2009, the wings of an airliner can flex 38% more than usual." The problem is that when you are in the situation, you don't perceive it ...
by kenschmidt
Sat Dec 20, 2014 10:53 am
 
Forum: Investing - Theory, News & General
Topic: Is VG Portfolio Tool too aggressive?
Replies: 17
Views: 1047

Re: handling large market drops

My experience from 2008-2009 was that it took every last bit of fortitude I had to rebalance back into stocks when the world financial system appeared to be in complete meltdown. In fact, I rebalanced over a set period of time rather than all at once just because I wasn't comfortable pulling the tri...
by kenschmidt
Sat Dec 20, 2014 10:47 am
 
Forum: Investing - Theory, News & General
Topic: handling large market drops
Replies: 17
Views: 1438

Re: Gaming PC for son, buy or build?

I think building a gaming PC can be a great experience. Some sites such as tigerdirect also offer bare bones kits with components pre-selected to go together.

Don't cut corners on the graphics card - it is the single most important component for gaming.
by kenschmidt
Fri Dec 19, 2014 9:07 pm
 
Forum: Personal Consumer Issues
Topic: Gaming PC for son, buy or build?
Replies: 43
Views: 1949

Re: Advice for Contractor Payment

I wouldn't do it. You also might check state or local law - in the State of Ohio, contractors are prohibited from taking more than 10% of the total contract price as a down payment. Sec. 4722.04. (A) A home improvement contractor may take as a down payment not more than ten per cent of the contract ...
by kenschmidt
Fri Dec 19, 2014 1:20 pm
 
Forum: Personal Consumer Issues
Topic: Advice for Contractor Payment
Replies: 5
Views: 530

Re: Help with an adults only all-inclusive

For a little comic relief as you make your decision, the movie "Couples Retreat" is a pretty funny look at the differences between "types" of resorts.
by kenschmidt
Fri Dec 19, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: Help with an adults only all-inclusive
Replies: 16
Views: 1906

Re: Why would you invest in a bond fund?

You are missing the feeling you get when the economy is in free fall, your stocks have lost 50% of their value, and it seems like any day before the other shoe drops. In other words, 2008-2009. If you stayed 100% stocks through this experience with a significant amount invested (6 figures or higher)...
by kenschmidt
Tue Dec 16, 2014 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: Why would you invest in a bond fund?
Replies: 25
Views: 1965

Re: What is a move-up car after mid-size sedan?

Hyundai Genesis I rented a last-generation (through 2014, I guess) Genesis and it was disappointing - it just didn't seem like an upscale car. Maybe the new model is dramatically better. Among other cars I've rented, I actually liked the last-generation Impala (notably sold mostly as a fleet car) b...
by kenschmidt
Sun Dec 14, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: What is a move-up car after mid-size sedan?
Replies: 63
Views: 4045

Re: Apple software update / can no longer highlight text

iOS 8 broke a TON of stuff, especially where Safari is concerned. A ton of BIG MAJOR IMPORTANT OBVIOUS stuff, like window.close() in javascript. From what I can tell, they've mostly fixed these problems. But I wouldn't expect them to get around to fixing minor stuff like this until they've fixed th...
by kenschmidt
Sun Dec 14, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: Apple software update / can no longer highlight text
Replies: 10
Views: 1188

Re: What is a move-up car after mid-size sedan?

Hyundai Genesis
by kenschmidt
Sat Dec 13, 2014 7:57 pm
 
Forum: Personal Consumer Issues
Topic: What is a move-up car after mid-size sedan?
Replies: 63
Views: 4045

Re: Are you a Morning Person?

More and more so a Morning Person as I age. I was a night owl in my earlier years.
by kenschmidt
Thu Dec 11, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: Are you a Morning Person?
Replies: 15
Views: 1141

Re: What is your opinion about "tilting?"

What, no "all of the above" option? It's not needed--you can just check all of the checkboxes. That's a lotsa checks tho... It was a joke actually - all of the above makes no sense. A smiley was probably in order. Going back to the poll, the three items I checked happen to be the three mo...
by kenschmidt
Wed Dec 10, 2014 10:56 am
 
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 116
Views: 8760

Re: What is your opinion about "tilting?"

What, no "all of the above" option?
by kenschmidt
Tue Dec 09, 2014 9:11 pm
 
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 116
Views: 8760

Re: What's wrong with VTIAX?

I know this thread is old from 2013, but I searched and found my exact topic I was looking for. I only began index investing this year 2014, and have a core index portfolio thanks to several members here (Retired JG, Nedsaid, Toons) I am sick of my VTIAX , it is the only index fund that has unrecog...
by kenschmidt
Tue Dec 09, 2014 2:11 pm
 
Forum: Investing - Theory, News & General
Topic: What's wrong with VTIAX?
Replies: 63
Views: 7453

Re: 54 with potential ER at 55-- Dreaming?

What about a part time job doing something you enjoy to add a few extra bucks to the equation until you can start collecting social security? Or a hobby that can turn into a little cash on the side? That way you could work on paying down the house while still being able to retire now.
by kenschmidt
Sat Dec 06, 2014 4:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: 54 with potential ER at 55-- Dreaming?
Replies: 20
Views: 2949

Re: How long did your IT career last? At what age did it en

Your comments about the job market remind me of Y2K. They were paying big bucks for anyone who had ever programmed in COBOL on mainframes. I knew people who had been retired for years getting $50K - $60K for a few months of work to fix the old systems. Ah, those were the good 'ole days! :happy Expe...
by kenschmidt
Sat Dec 06, 2014 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 14642

Re: Strong Dollar Clobbers Returns of Foreign-Stock Funds

I have also heard in the past that much of the diversification benefit of international investments are actually attributable to the currency fluctuations rather then differences in how markets perform. At the current time, we are seeing a negative impact; in the past (and likely future at some poin...
by kenschmidt
Wed Dec 03, 2014 9:40 pm
 
Forum: Investing - Theory, News & General
Topic: Strong Dollar Clobbers Returns of Foreign-Stock Funds
Replies: 26
Views: 2663

Re: Stanley Kubrick's 2001 a space odyssey

It's all about the monoliths. Understand the monoliths and the rest becomes clear. Or clearer at least. :D The extraterrestrial species that built the monoliths is never described in much detail, but some knowledge of its existence is given to Dave Bowman after he is transported by the stargate to t...
by kenschmidt
Wed Dec 03, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 64
Views: 3965

Re: I'm scared - online hacking

Just for perspective, people have also been breaking into people's houses and stealing their stuff. Apparently this has been going on for some time. I make this snarky point because your best defense against having your house broken into is to take precautions such as locks, security lights, etc. Ho...
by kenschmidt
Wed Dec 03, 2014 9:10 pm
 
Forum: Personal Consumer Issues
Topic: I'm scared - online hacking
Replies: 44
Views: 4850

Re: Fidelity's retirement savings guideline-Only need 8x sal

You would need to take Social Security into account in your 4% calculation, so the $68k requirement becomes $48k if social security pays $20k per year. So, 4% of $48k becomes $1.2m that needs to be saved. This is still well above what Fidelity is recommending. The difference is that the 4% is a calc...
by kenschmidt
Sun Nov 30, 2014 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity's retirement savings guideline-Only need 8x salary?
Replies: 45
Views: 5099

Re: Upgrading phone at Best Buy ($1) versus Verizon store ($

I've upgraded two phones at Best Buy, an iPhone 5 and a Galaxy S4. No gotchas that I have seen so far. I can't figure out why Verizon sells phones for more than their resellers - makes no sense - but that's how it works. In terms of the 2 year commitment, on my Verizon plan, each device is independe...
by kenschmidt
Sat Nov 29, 2014 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Upgrading phone at Best Buy ($1) versus Verizon store ($200)
Replies: 12
Views: 1447

Re: An overdue update from a "panicked investor"

The good news here is that you are rich. You save more each year than the vast number of people even make and you have a multi-million dollar portfolio. That's the best thing you have going for you. If you don't want to completely pay off the mortgage immediately, I would at least consider channelli...
by kenschmidt
Sat Nov 29, 2014 10:12 am
 
Forum: Investing - Help with Personal Investments
Topic: An overdue update from a "panicked investor"
Replies: 86
Views: 8731

Re: Vacuum Cleaner Suggestions Please

We have a Shark Navigator and are happy with it. It replaced an old Hoover Wind Tunnel, which I also liked, but the Shark is much more versatile, is bagless, lighter, has good suction, a bare floor mode and is significantly less money than a Dyson. It does have a narrower vacuum path than I am used ...
by kenschmidt
Thu Nov 27, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Vacuum Cleaner Suggestions Please
Replies: 17
Views: 2268

Re: How long did your IT career last? At what age did it en

As some age they tend to cling to the old familiar technologies as long as possible, but to remain relevant you have to be flexible and open to embracing the changes. Also as you age it becomes much harder to compete in a strictly technical role against younger go-getters who can work longer and ha...
by kenschmidt
Thu Nov 27, 2014 11:48 am
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 14642

Re: POLL: Attitude Towards Risk

That was really meant to be $240 and not $250? Yes. Ordinary respondents in more controlled environments go for A and D. The idea being that they avoid risk when it comes to gains and seek risk when it comes to avoiding losses. So it was not a typo? B is clearly superior to A. C and D are equivalen...
by kenschmidt
Wed Nov 26, 2014 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Attitude Towards Risk
Replies: 75
Views: 3958

Re: Stuck with an active high ER fund! SHOULD I SELL??

Make sure the 12b-1 fee of 1% is not included in the ER when you do your analysis. That said, this fund is way too expensive regardless. I'd probably dump it, pay the taxes and move on. If this fund trails the index by 2% a year (which is probably best case), your payback period is probably 4 years ...
by kenschmidt
Wed Nov 26, 2014 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stuck with an active high ER fund! Should I sell ??
Replies: 9
Views: 683

Re: POLL: Attitude Towards Risk

That was really meant to be $240 and not $250? Yes. Ordinary respondents in more controlled environments go for A and D. The idea being that they avoid risk when it comes to gains and seek risk when it comes to avoiding losses. So it was not a typo? B is clearly superior to A. C and D are equivalen...
by kenschmidt
Wed Nov 26, 2014 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Attitude Towards Risk
Replies: 75
Views: 3958

Re: Car "concierge" service

Lexus is well known for this. Here's the downside that a coworker told me. The nice, easy 60k service with pickup and dropoff was quoted at $1200. He checked a dealer over the state line in NH if he were to bring it in and it was $800. He then went one more step sine a Lexus is made by Toyota and a...
by kenschmidt
Mon Nov 24, 2014 8:26 pm
 
Forum: Personal Consumer Issues
Topic: Car "concierge" service
Replies: 15
Views: 1260

Re: Toyota Class Action Settlement Check, Cash or Not

I cashed my check. I think it was $37 or so. My Camry was not eligible for the fix or compensation in lieu of the fix according to the website when I first received my notice. The $37 was compensation for "loss of value". It also provides an extended warranty on the throttle system, etc. I...
by kenschmidt
Sun Nov 16, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Toyota Class Action Settlement Check, Cash or Not
Replies: 16
Views: 2927

Re: Shower silicone replacement - Price? DIY?

This is certainly something you can do yourself and with a little prep (and practice), you can make it look good too. Basic steps I have used: 1) Remove the old caulk using either a putty knife, razor blade or both 2) Use masking tape on either side of the joint - this is a way to cheat and get a ni...
by kenschmidt
Sun Nov 16, 2014 1:59 pm
 
Forum: Personal Consumer Issues
Topic: Shower silicone replacement - Price? DIY?
Replies: 27
Views: 1706

Re: MFO's David Snowball's Blunt Observation on Index Funds

it doesn't really matter whether it is a flawed committee of dunderheads, a well meaning but knuckle dragging active manager, or a monkey throwing darts. Once you get enough stocks in the portfolio to basically represent an asset class or market, it mostly comes down to market performance as a whole...
by kenschmidt
Sat Nov 08, 2014 1:01 pm
 
Forum: Investing - Theory, News & General
Topic: MFO's David Snowball's Blunt Observation on Index Funds
Replies: 17
Views: 2217

Re: My DISH tv bill just keeps going up and up

Shop around. In my area, Dish, DirectTV, Time Warner Cable and the local TelCo are all duking it out. Everyone is willing to give huge discounts to attract new customers, but as soon as they have you for a couple of years, the rates start getting jacked up. I just dumped Dish (I was probably a custo...
by kenschmidt
Sat Nov 08, 2014 12:54 pm
 
Forum: Personal Consumer Issues
Topic: My DISH tv bill just keeps going up and up
Replies: 50
Views: 4926

Re: made it through volatile October , hope to stay the cour

I , as a new boglehead, made it through October without doing anything, and trying to 'ignore the noise' , stay the course, and believe "I don't know , I don't care". I am hoping I can stay strong through any drops, crash, and try to stay true to my 10 year Investment Owner's contract. Oc...
by kenschmidt
Wed Nov 05, 2014 7:09 pm
 
Forum: Investing - Theory, News & General
Topic: made it through volatile October , hope to stay the course
Replies: 18
Views: 1182

Re: Is Vanguard a good place to invest?

I have been investing with Vanguard since the late 1980's and have never had a problem with them. What started as a small, $3,000 initial investment when I was just starting out has grown into a substantial sum of money as I rolled over employer 401(k) accounts and continued to invest over the years...
by kenschmidt
Sun Nov 02, 2014 10:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard a good place to invest?
Replies: 59
Views: 5122

Re: MS Windows 7 Dead?

Wow, there's actually someone who liked Vista. Never met anyone like that before. :D
by kenschmidt
Wed Oct 29, 2014 12:46 pm
 
Forum: Personal Consumer Issues
Topic: MS Windows 7 Dead [in 2020]?
Replies: 26
Views: 2284

Re: A Challenge for Bogleheads - the market has changed

Is he right that I should avoid it entirely and just be content with a two-part portfolio until such time as the S&P 500 comes down a bit? It might not come down for years - and, in the meantime, if I'm following his advice - I am missing out on 48% of the world stock market by eschewing the S&...
by kenschmidt
Wed Oct 29, 2014 8:48 am
 
Forum: Investing - Theory, News & General
Topic: A Challenge for Bogleheads - the market has changed
Replies: 53
Views: 6900

Re: If holding cash, do you want a Great Depression?

Do you need to still work to make a living? Do you have a business and are relying on people to buy from you? If so, in a Great Depression, these things can all go away very quickly. The cash is not used to snap up bargain priced stocks; it is used to put food on the table and keep a roof over your ...
by kenschmidt
Mon Oct 27, 2014 5:16 pm
 
Forum: Investing - Theory, News & General
Topic: If holding cash, do you want a Great Depression?
Replies: 50
Views: 4158

Re: Vegas Vacation!

Some of the memorable things I have seen in Las Vegas - and that don't cost an arm and leg: Bellagio Fountain show (every half hour/15 minutes) - just awesome Bellagio Conservatory and Gardens (inside) Forum Shoppes at Caesar's Palace Grand Canal Shoppes at the Venetian - have an early-evening drink...
by kenschmidt
Sat Oct 18, 2014 4:27 pm
 
Forum: Personal Consumer Issues
Topic: Vegas Vacation!
Replies: 50
Views: 4061

Re: Anyone cancelling travel plans?

I am flying for work on Monday and I will say it has crossed my mind. But I think the situation is very very isolated at this point and the risk is about as close to zero as you can get without it actually being zero. I did hear an interview with a disease expert on the local radio recently and he m...
by kenschmidt
Sat Oct 18, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6486

Re: Anyone cancelling travel plans?

Wow. It seems that one is far greater risk of dying in a car accident, getting hit by a drunk driver. Financially, might be prudent to just stay at home if this is one's concern. Sock away a few hundred gallons of fresh water, 250 pounds of Slim Jims and a dozen large 12-roll packages of TP. With 2...
by kenschmidt
Sat Oct 18, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6486

Re: Fraud charges on CC again...

I agree with Yeti - it seems like you are probably using your card somewhere that is skimming it. New card at the same old place and it is just a matter of time until it is compromised as well - regardless of who issued the card.
by kenschmidt
Fri Oct 17, 2014 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fraud charges on CC again...
Replies: 14
Views: 1608

Re: Replacing primary sump pump - how difficult

I did mine and it was a pretty easy job. Less than an hour overall. I replaced mine with exactly the same unit that was previously installed, so there was very little needed in terms of re-working connections, etc. it was a Zoeller which I found out was one of the better brands in terms of reliabili...
by kenschmidt
Fri Oct 17, 2014 8:20 pm
 
Forum: Personal Consumer Issues
Topic: Replacing primary sump pump - how difficult
Replies: 18
Views: 1120

Re: Airline carry on limits

American offers what they call "Main Cabin Extra" seating, for an extra fee that is tacked on to coach fare. Delta has something called priority seating, but I don't think I qualify To qualify for priority seating, a passenger must have a full-fare, refundable ticket or elite frequent fli...
by kenschmidt
Tue Oct 14, 2014 6:08 pm
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3390

Re: Airline carry on limits

Do you know what kind of plane you will be on and how full it will be? You can go onto Delta.com and check the type of plane and how many seats are occupied; bigger planes or less full planes increase your chance of getting a spot in an overhead bin. On the smaller (dreaded) CRJ's or Embraer's, they...
by kenschmidt
Mon Oct 13, 2014 6:52 pm
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3390

Re: Help me not thinking about getting a brand new car

When I buy Toyota or Honda, I buy new for exactly the reason you see. By my calculation, a car with 40,000 miles is already 20% through it's expected 200,000 mile life, but yet you are only getting a 20% discount from new. Why not get the latest safety features and improvements and buy new?
by kenschmidt
Mon Oct 13, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: Help me not thinking about getting a brand new car
Replies: 16
Views: 990

Re: Credit card with thin file

Discover Card is another card with pretty decent cash back and is probably a little less stringent in terms of credit requirements. It was one of our first cards starting out as a married couple and we still have it and use it nearly 25 years later. It is more important for him to build a credit his...
by kenschmidt
Sat Oct 11, 2014 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit card with thin file [to build credit history]
Replies: 14
Views: 2727

Re: Bank Blackmail? [Credit Card Upgrade]

I think people worry way too much about their personal credit score. It seems like so long as you fall in the very good category, you are fine. I have never, ever not gotten a good rate on a mortgage for example just because my credit score was 785 instead of 810. I don't worry about opening or not ...
by kenschmidt
Fri Oct 10, 2014 8:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank Blackmail? [Credit Card Upgrade]
Replies: 22
Views: 1876

Re: Live Speakers You Enjoyed

Michio Kaku - theoretical physicist
George Mitchell - US Senator
Kevin Spacey - actor
by kenschmidt
Wed Oct 08, 2014 11:52 am
 
Forum: Investing - Theory, News & General
Topic: Live Speakers You Enjoyed
Replies: 12
Views: 728

Re: Can I use a tablet for auto navigation?

I use my iPad and Google Maps for navigation. I have a 3G version which includes GPS. Works very well.
by kenschmidt
Sun Oct 05, 2014 4:34 pm
 
Forum: Personal Consumer Issues
Topic: Can I use a tablet for auto navigation?
Replies: 9
Views: 947

Re: Voluntarily Declining Pay Raise

You should take the raise. The last thing you want is the company to think you are perfectly happy. It just makes it that much easier if they decide they aren't giving raises next year. In fact, I think it is always good for a company to think you are always open to walking out the door under the ri...
by kenschmidt
Sat Oct 04, 2014 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Voluntarily Declining Pay Raise
Replies: 43
Views: 4318
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