Search found 2577 matches

by kenschmidt
Sat Aug 01, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: Crab Grass
Replies: 15
Views: 902

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: 1287

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: 948

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: 2692

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: 1006

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: 3043

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: 35
Views: 3491

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: 1634

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: 2538

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: 934

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: 2417

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: 4945

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: 1444

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: 961

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: 2151

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: 2151

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: 6821

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: 1044

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: 783

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: 783

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: 4566

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: 1065

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: 1421

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: 11064

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: 2737

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: 49
Views: 3729

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: 3249

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...
by kenschmidt
Tue Jul 07, 2015 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 Problems
Replies: 9
Views: 772

Re: Quicken 2015 Problems

I have been seeing the stock split issue with Quicken 2013. Every time I do an update, it prompts me to accept an unrecorded stock split from 2007 for PG. When I accepted it the first time, it screwed up my account and share balance but I just went in and manually deleted the split transaction. Now ...
by kenschmidt
Sun Jul 05, 2015 2:24 pm
Forum: Personal Consumer Issues
Topic: Camera Experts Wanted
Replies: 36
Views: 2148

Re: Camera Experts Wanted

I have a Canon PowerShot SX260 HS that I like a lot, meets many of your requirements and is in your price range. It is a couple of years old so there may be an equivalent newer model or sometimes you can pick up a bargain on the slightly older models.
by kenschmidt
Sat Jul 04, 2015 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Average raises for promotions
Replies: 32
Views: 3682

Re: Average raises for promotions

Based on past experience in consulting, including a stint in what was the "Big 8" morphing to the "Big 6" at the time, you can't really compare consulting and megacorp in my opinion. When you get promoted in a consulting position, your billing rate goes up, directly impacting rev...
by kenschmidt
Sat Jul 04, 2015 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Budget and Housing Question
Replies: 10
Views: 1389

Re: Budget and Housing Question

I think "Independent" has given you some great information to compare against. I would point out that your housing expense / mortgage payment is high by choice. You have chosen a 10 year mortgage which will retire your debt very quickly. As long as you are also saving, it seems like you ar...
by kenschmidt
Sat Jul 04, 2015 11:16 am
Forum: Investing - Theory, News & General
Topic: Aren't we obsessing way too much about our portfolios?
Replies: 84
Views: 6644

Re: Aren't we obsessing way too much about our portfolios?

I haven't changed my asset allocation in over 10 years at this point. Eventually the newness wears off and you end up just posting in the gardening or car threads. :D
by kenschmidt
Fri Jun 26, 2015 10:06 am
Forum: Personal Consumer Issues
Topic: Vehicle suggestions for Tall?
Replies: 44
Views: 3309

Re: Vehicle suggestions for Tall?

I am 6'5" and fit well into my 2005 Toyota Camry. I was even able to get the power sunroof which takes up headroom, so,my guess is that a Camry or Acord should work, especially if you skip the sunroof.
by kenschmidt
Fri Jun 26, 2015 9:58 am
Forum: Personal Consumer Issues
Topic: Backyard conundrum
Replies: 63
Views: 10105

Re: Backyard conundrum

I don't think the OP is up to keeping native plants alive, imho. While grass is inferior, it's hard to kill. Turf grass in Northern California (which is where it sounds like the OP is from) is not going to be easy to establish in the middle of a four year drought and given the current water restric...
by kenschmidt
Thu Jun 25, 2015 9:48 am
Forum: Personal Consumer Issues
Topic: Backyard conundrum
Replies: 63
Views: 10105

Re: Backyard conundrum

Are you sure about the $15k-18k estimate? You are only doing an area of a little over 3000 square feet. Although the 20x40 deck and the patio area will be more expensive; you could cut them down somewhat and do more hardscape or some green space suitable to California as a big green lawn area is pro...
by kenschmidt
Wed Jun 24, 2015 8:32 am
Forum: Personal Consumer Issues
Topic: Best Slat Wall / Pegboard Systems for Garage Storage
Replies: 15
Views: 1883

Re: Best Slat Wall / Pegboard Systems for Garage Storage

Just to add on the peg board - there are some larger sized hooks that use multiple holes and spread the weight across the peg board, allowing you to hang larger or heavier items. I have my Stihl trimmer and an 8 pound railroad pick hanging on the peg board, for example. Not saying that is always the...
by kenschmidt
Tue Jun 23, 2015 10:18 am
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 190
Views: 15655

Re: Convince me not to buy Porsche

If you are going to run a Cayman at the track, you are going to need to plan for tires at least every other year if not yearly depending how much you drive it. I had a buddy who had a Carerra S4 and tires for it ran $2000+ and they were good for about 20k. Are you able to do your own maintenance? Oi...
by kenschmidt
Mon Jun 22, 2015 5:12 pm
Forum: Personal Consumer Issues
Topic: Canoe recommendations
Replies: 23
Views: 1973

Re: Canoe recommendations

The Old Town Discovery series are really nice canoes. Nice balance between rugged construction and comfort; stable and easy to handle.
by kenschmidt
Sun Jun 21, 2015 6:32 pm
Forum: Personal Consumer Issues
Topic: Best Slat Wall / Pegboard Systems for Garage Storage
Replies: 15
Views: 1883

Re: Best Slat Wall / Pegboard Systems for Garage Storage

If you spend some time at Lowe's or Home Depot in the shelving section and the hardware / screws / nuts and bolts section, you will likely find many options. In addition to peg board, I have used wire closet type shelving, a wooden peg system designed for vertical hanging (shovels, rakes, etc.), han...
by kenschmidt
Sun Jun 21, 2015 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Value in Terms of Monthly Benefit
Replies: 8
Views: 1728

Re: Pension Value in Terms of Monthly Benefit

My employer produces a statement at year end that lists the dollar amount of all benefits provided, including salary, healthcare, time off, 401k, pension, etc. For my pension, the amount varies between 10-12% of salary every year. You might do some research around percent of salary contribution for ...
by kenschmidt
Sat Jun 20, 2015 4:44 pm
Forum: Personal Consumer Issues
Topic: Anyone have A/C fail on an older Honda CRV?
Replies: 30
Views: 3324

Re: Anyone have A/C fail on an older Honda CRV?

Looks like $1200 to repair a dead compressor and other parts if it has disintegrated. Garage was well aware of the "Black Death" problem. Probably won't do it, but I'm not sure how much that will knock off the resale or trade-in value of the vehicle. My guess is that it knocks about $1200...
by kenschmidt
Fri Jun 19, 2015 10:02 pm
Forum: Personal Consumer Issues
Topic: Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes
Replies: 21
Views: 2867

Re: Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes

There are not a lot of WWII battlefield sites to see in France beyond Normandy because once the Allies broke out (Operation Cobra), they mostly raced to the German border before they outran their supply lines and had to halt their advance. The links BW1985 posted give a pretty good idea of where to ...
by kenschmidt
Wed Jun 17, 2015 8:00 am
Forum: Personal Consumer Issues
Topic: Help me choose an EXPENSIVE* red wine for a gift
Replies: 22
Views: 2550

Re: Help me choose an EXPENSIVE* red wine for a gift

Opus One is a big name; the is also Rothschild from France if you want a true Bordeaux. Another nice gift idea if you want to add some pizazz is to buy a nice bottle of wine and pair it with some high end stemware from Reidel to appeal to the truly discerning palette that does not just let any glass...
by kenschmidt
Wed Jun 17, 2015 7:56 am
Forum: Personal Consumer Issues
Topic: Paying Over Blue Book Value for Used Car
Replies: 12
Views: 1404

Re: Paying Over Blue Book Value for Used Car

Be sure that whatever tool you are using to get a Blue Book value takes condition and mileage into account. In my experience, low mileage used cars carry a premium that the common Blue Book sources underestimate.
by kenschmidt
Sun Jun 14, 2015 10:43 am
Forum: Personal Consumer Issues
Topic: How to introduce legos to my almost 5 year old boy?
Replies: 15
Views: 1204

Re: How to introduce legos to my almost 5 year old boy?

There's nothing wrong with a little smiley guy here, or a platform with wheels there, but NOT the kind of kit that has an instruction sheet with it to how to build Olaf's Sparkling Igloo. I do agree that some of those kits can be pretty complicated. But my faith in the creative process was renewed ...
by kenschmidt
Sat Jun 13, 2015 7:43 am
Forum: Investing - Theory, News & General
Topic: Here we go again or is it different this time
Replies: 18
Views: 2916

Re: Here we go again or is it different this time

Stocks have been known to have periods of -50% real return (or greater). Positive returns from stocks are no guarantee. There may be a time when you are more than happy that your bond principal is still largely intact. That's why I hold bonds, regardless of the current weather forecast.
by kenschmidt
Thu Jun 11, 2015 8:04 am
Forum: Investing - Theory, News & General
Topic: Vang Total Bond Market, trailing its benchmark?
Replies: 7
Views: 1868

Re: Vang Total Bond Market, trailing its benchmark?

Even with a fund as large as this one, it is not always practical or possible to purchase every bond in the exact ratio needed to replicate the index, so techniques are used to approximate the index by buying a subset of the securities held in the index in order to approximate the overall index whil...
by kenschmidt
Sat Jun 06, 2015 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: New CC expiration date but same card number - do I have to update auto pays?
Replies: 11
Views: 1409

Re: New CC expiration date but same card number - do I have to update auto pays?

It may not be necessary. There are services that merchants can subscribe to that will update customer card information automatically - for example:

http://www.cybersource.com/products/pay ... t_updater/

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