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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: 1182

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: 2363

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: 1642

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: 2108

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: 4533

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: 1161

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: 5020

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: 2245

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: 6759

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: 4065

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: 3942

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: 6427

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: 6427

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: 1594

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: 1092

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: 3276

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: 3276

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: 976

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: 2368

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: 1848

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: 720

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: 925

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: 4280

Re: Do you deviate from the BH philosophy?

My two largest holdings are Primecap and Windsor II, which I have held since 1998. No regrets. Seems like you've developed a workable plan, invested early and often, bear an appropriate level of risk for your situation, diversified, not tried to time the market, kept costs low, minimized taxes, inv...
by kenschmidt
Wed Oct 01, 2014 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 64
Views: 4186

Re: Slick Airline Ticket Phishing Scam

I got one of these just today at work. It was made a little more interesting by the fact that I had just booked air for a business trip on Delta earlier, so at first it seemed legit. But I have seen these before so once I opened the email (not the zip file), I recognized it as a scam. What is intere...
by kenschmidt
Wed Oct 01, 2014 6:59 pm
 
Forum: Personal Consumer Issues
Topic: Slick Airline Ticket Phishing Scam
Replies: 14
Views: 1668

Re: Do you deviate from the BH philosophy?

My two largest holdings are Primecap and Windsor II, which I have held since 1998. No regrets.
by kenschmidt
Wed Oct 01, 2014 6:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 64
Views: 4186

Re: Recommendation on coin appraiser in Southwest Ohio

Xenia Coin, in Xenia Ohio is a long standing dealer with a good reputation: http://www.xeniacoin.com/ If you are interested in finding out a little more about what you have, Coin Community is a forum I also post on that has a similar atmosphere to bogleheads, with lots of friendly, helpful posters: ...
by kenschmidt
Sun Sep 28, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: Recommendation on coin appraiser in Southwest Ohio
Replies: 2
Views: 207

Re: We're all going to die!!!

We are. And that's why the S&P 500 being down 1.3% is really not too important in the overall scheme of things.
by kenschmidt
Thu Sep 25, 2014 2:50 pm
 
Forum: Investing - Theory, News & General
Topic: [S&P is down 1.3%, thus] We're all going to die!!!
Replies: 58
Views: 4861

Re: Are trash compactors good things?

Mine has an 11 on the bottom and Nike and a swoosh on the side.
by kenschmidt
Thu Sep 25, 2014 2:48 pm
 
Forum: Personal Consumer Issues
Topic: Are trash compactors good things?
Replies: 20
Views: 1090

Re: Advice for student buying cheap used car

protagonist wrote:Also, if anybody knows of particular cars for sale that might be of interest, please let me know.


Send this to everyone you know. Your best bet by far is to find someone who has a car for sale. If you have a trusted mechanic, ask them if they know anyone selling a car.
by kenschmidt
Mon Sep 22, 2014 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Advice for student buying cheap used car
Replies: 54
Views: 3345

Re: insuring 3 cars - but only have 2 drivers

We just had this same situation recently as we bought my father in law's car as an extra car for my two teenage sons to drive. As they both currently have learner's permits, they fall under insurance for my wife and I. I was a little surprised to find that it costs pretty much as much to insure a 3r...
by kenschmidt
Wed Sep 17, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: insuring 3 cars - but only have 2 drivers
Replies: 16
Views: 1308

Re: Stove - repair or replace

Thanks for the help so far. If I were a bit younger and more agile I might try to fix it myself but not any more. It was a gas leak that alerted us to the problem in the first place. I seems that there are two ignitors in the oven area so we will see what happens. Any more thoughts? In our oven, th...
by kenschmidt
Tue Sep 16, 2014 7:37 am
 
Forum: Personal Consumer Issues
Topic: Stove - repair or replace
Replies: 9
Views: 594

Re: Stove - repair or replace

I had the ignitor on my Jenn-Air gas range fixed a couple of years ago and it ran about $200 including the service visit charge. In talking to the repair technician, he explained that the ignitor heats up and that is what causes the gas valve to open, lighting the oven. As they get old, the valve do...
by kenschmidt
Mon Sep 15, 2014 6:15 pm
 
Forum: Personal Consumer Issues
Topic: Stove - repair or replace
Replies: 9
Views: 594

Re: Hearing aids - for those that use them

I would definitely contact the VA to see what type of benefit you might be eligible for. My WW2 vet father in law got assistance from the VA for his hearing aids - and this was in the absence of any combat related hearing loss (he was primarily in supply and logistics at the end of the war in the Eu...
by kenschmidt
Sun Sep 14, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: Hearing aids - for those that use them
Replies: 29
Views: 1872

Re: Car Advice: When to Replace?

I would also agree with livesoft's strategy of staggering new car purchases every 5-7 years. I buy new with an intent to keep the car a minimum of 10 years as that seems to be the point at which they start needing more major repairs and you start to lose confidence in their reliability. We recently ...
by kenschmidt
Sun Sep 14, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: Car Advice: When to Replace?
Replies: 37
Views: 2909

Where to recycle old (larger) toy batteries

I have a number of larger toy batteries that I have accumulated over the years - for example, from Power Wheels toys, electric scooters, etc. These are larger size - 1/3 to 1/2 the size of a car battery. I have googled battery recycling and it seems that stores like AutoZone will take car batteries ...
by kenschmidt
Sat Sep 13, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: Where to recycle old (larger) toy batteries
Replies: 5
Views: 295

Re: Why do so many think their home is a foolproof investmen

A home also provides a return in the form of imputed income - in other words, because you own the home, you don't pay rent to someone else. Of course, the imputed income (rent avoided) is offset by expenses related to upkeep and taxes, but I have to think there is some positive benefit there as land...
by kenschmidt
Sat Sep 13, 2014 10:55 am
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 6607

Re: What do you pay for comprehensive and collision on your

It is very vehicle dependent. I just bought my father in law's 2006 Hyundai Sonata. I was surprised to see that it was more expensive to insure than my 2005 Camry (which is a little nicer car) and especially our brand new 2014 Honda Odyssey. The Toyota and Honda are around $400 a year, the Hyundai i...
by kenschmidt
Sat Sep 13, 2014 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: What do you pay for comprehensive and collision on your auto
Replies: 7
Views: 853

Re: Feeling smug until 10 year ROR from Vanguard

It seems the 10 year data is limited to computers. When I looked on my mobile devices, I could only access 5 year data. 10 year, 9.5% w/o cash, 8.3% including cash 5 year, 11.6 w/o cash, 10.4 including cash I hadn't seen this feature before. I was able to get my 10 year returns on my iPad. My retur...
by kenschmidt
Sat Sep 13, 2014 9:24 am
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7885

Re: Daily Telegraph: World War One Archive

:idea: People were a lot tougher back then. They could endure much greater suffering than people today. People haven't changed. You endure what you have to endure. We have been fortunate in this generation to not have to endure these types of hardships. But we would if we had to - you have no choic...
by kenschmidt
Fri Sep 12, 2014 3:29 pm
 
Forum: Personal Consumer Issues
Topic: Daily Telegraph: World War One Archive
Replies: 116
Views: 10537

Re: Recommended World War I book

John Keegan's History of WW1 is a very good general, military history. http://www.amazon.com/The-First-World-John-Keegan Hew Strachan's book on WW1 is very good on the global context, particularly the Middle East. Doesn't get (literally) bogged down of the narrative of the Western Front, as so many...
by kenschmidt
Fri Sep 12, 2014 7:58 am
 
Forum: Personal Consumer Issues
Topic: Recommended World War I book
Replies: 37
Views: 2149

Re: Neighborhood kid around 13 throwing rocks at my house

It wouldn't rule out some sort of social/emotional issue; the fact that he is doing this and won't look at you or engage you in any way makes me think of some sort of autism spectrum disorder or other social / psychological issue. I would try talking to the parents in a very nice way - i.e., hey, I ...
by kenschmidt
Fri Sep 12, 2014 7:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3237

Re: Advice on buying a single gold bullion coin

If it is a gift, you might also consider buying a piece of history:

https://www.apmex.com/category/11902

Image

Only a small premium over spot and you (they) get to own a piece of beautiful history.
by kenschmidt
Mon Sep 08, 2014 8:06 am
 
Forum: Personal Consumer Issues
Topic: Advice on buying a single gold bullion coin
Replies: 15
Views: 1772

Re: V6 or V8 engine for new Chrysler 300

If you don't need the extra power, I would go with the V-6. I have driven a Dodge Charger with that engine and it felt like it had plenty of power (looking it up, it is 292 hp).

There is nothing inherent in the V-8 engine design that will make it last any longer.
by kenschmidt
Sun Sep 07, 2014 6:56 pm
 
Forum: Personal Consumer Issues
Topic: V6 or V8 engine for new Chrysler 300
Replies: 25
Views: 1763

Re: Drawing down a windfall...

Another rather obvious "you are spending too much". You could not buy a $55,000 car and spend $7,000 instead of $57,000 on vacations next year and save $100,000 on those two things alone. People afford a pretty nice lifestyle on that amount. You had a couple of flush years after 2 decades ...
by kenschmidt
Sat Sep 06, 2014 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Drawing down a windfall...
Replies: 55
Views: 4275

Re: What is the expected return of this portfolio over 50 yr

It will be difficult to estimate this over 50 years within two places before the decimal, much less after. The world and life in general is very uncertain. Use some numbers such as Rick Ferri's from the link above and then monitor your portfolio periodically to see where you stand. If you fall behin...
by kenschmidt
Sat Sep 06, 2014 9:51 am
 
Forum: Investing - Theory, News & General
Topic: What is the expected return of this portfolio over 50 yrs
Replies: 21
Views: 1208

Re: Auto off-lease: Take an auto loan at 2.49% or buy outrig

Unless the money you are thinking of using to buy the car outright is earning greater than 2.49% after taxes, you would be better off financially by buying the car rather than paying interest on a loan just to keep that money earning at a lower rate. One caveat is whether using that cash could provi...
by kenschmidt
Fri Sep 05, 2014 9:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Auto off-lease: Take an auto loan at 2.49% or buy outright?
Replies: 14
Views: 1524

Re: "There is no such thing as a truly passive portfolio"

There is active at an asset allocation level and there is active at an individual securities level. Most people here are active at an asset allocation level - at least from the standpoint of setting an asset allocation. I think then there is a general consensus that once you set an appropriate asset...
by kenschmidt
Thu Sep 04, 2014 4:11 pm
 
Forum: Investing - Theory, News & General
Topic: "There is no such thing as a truly passive portfolio"
Replies: 58
Views: 2274

Re: Market at a all time high ( Sept 2014) , time to cash ou

I remember that when I first started investing, the DOW was at around 2,000. This was 1988; I remember it going up to around 2,700 and it bounced around there for awhile until it finally topped 3,000. And then it topped 4,000. Now it is at 17,000+. Over time I realized that 1) today's new high is to...
by kenschmidt
Thu Sep 04, 2014 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Market at a all time high ( Sept 2014) , time to cash out?
Replies: 49
Views: 3954

Re: Paper or plastic?

We put trash and wet garbage into bare naked unprotected wastebaskets and cans. Then we dumped them into galvanized steel trash cans. And some of the wet material adhered to the kitchen waste basket, putrefied, and stank, which is why it had a tight-fitting lid and a pedal. Then garbage men ("...
by kenschmidt
Mon Sep 01, 2014 9:53 am
 
Forum: Personal Consumer Issues
Topic: Paper or plastic?
Replies: 63
Views: 3106
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