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Re: Donald Trump - The Apprentice

I started watching it but eventually grew irritated with the way the show was set up. One, I get tired of all the fawning over "The Donald" and the Trump Organization. Sure, it's a fine company but there are literally hundreds or thousands of other better companies to work for. It's just a...
by kenschmidt
Sat Aug 30, 2014 12:20 pm
 
Forum: Personal Consumer Issues
Topic: Donald Trump - The Apprentice
Replies: 27
Views: 1606

Re: Wireless stereo/cd system/ speakers - need to upgrade.

One great way to reduce speaker footprint in my opinion is to use a powered subwoofer that is tucked away in a corner somewhere and then you can use smaller but high quality bookshelf or even in wall type speakers to cover the upper bass range, midrange and treble. Deep bass is non-directional for t...
by kenschmidt
Sat Aug 30, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Wireless stereo/cd system/ speakers - need to upgrade.
Replies: 2
Views: 283

Re: Recommendations for Cordless Phone System for Home?

+1 on Panasonic. Stay out of the 2.4 Ghz frequency as I find Wifi and microwave ovens seem to create conflicts there. The only thing I have ever needed to do is occasionally replace a handset battery as they get a lot of charge cycles and so don't last forever.
by kenschmidt
Sat Aug 30, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: Recommendations for Cordless Phone System for Home?
Replies: 14
Views: 1042

Re: Poor Janus, a look at this once high flying fund family

I still remember reading the old Janus Junction forum back on the old Morningstar site. Euphoria in the 90's and a train wreck after the bubble broke in 2000. The NASDAQ 100 is still not above it's peak 14 years later and I think Janus rode and ultimately fell with that wave more than almost any oth...
by kenschmidt
Sat Aug 30, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: Poor Janus, a look at this once high flying fund family
Replies: 56
Views: 5080

Re: ACH transfers

One thing that has always puzzled me was the necessity of waiting for about 2 working days for the $$$ to be transferred. It seems that these are an all electronic record, so should go at some fraction of the speed of light. Well not quite that fast but certainly faster than days. :D Unless there a...
by kenschmidt
Sat Aug 30, 2014 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: ACH transfers
Replies: 14
Views: 973

Re: Ideas for thanking a doctor

You could also just tell them directly at the end of an appointment with a brief but heartfelt thanks - i.e. "I just wanted to take a moment to tell you how much I appreciate the care you give me and the manner in which you approach your profession. I know it is a challenging job but I really a...
by kenschmidt
Sat Aug 30, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 56
Views: 2425

Re: Really dumb question from a newbie. passive investing

I think there is a potential confusing aspect to the passive / active discussions that occur on this board. I think you are primarily asking about asset allocation - i.e., how much in stocks, how much in bonds, etc. A "passive" approach here would be to select an appropriate asset allocati...
by kenschmidt
Wed Aug 27, 2014 8:44 am
 
Forum: Investing - Theory, News & General
Topic: Really dumb question from a newbie. passive investing
Replies: 6
Views: 770

Re: How I beat Indexing... in 1 hour

I tried this once back in the early 2000's - similar percentage of my portfolio - i.e., not something that will break you but at the same time, real money in play. I had some successes and some failures. After a little after three years, I basically matched the S&P 500. And that was mostly becau...
by kenschmidt
Tue Aug 26, 2014 3:57 pm
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 53
Views: 7036

Re: S&P500 over 2000

I am a stay-the-course type and have taken no new action based on hitting "2000" but I like to compare my personal circumstances with 2 particular points on the rise of the S&P500 S&P500 at 666: In 2009, I was sitting at my uncles house (I suppose I was "homeless") watch...
by kenschmidt
Mon Aug 25, 2014 8:18 pm
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5319

Re: Is it me, or are "collectibles" worthless in 2014?

Baseball cards have really taken a nose dive over the past decade. Many people have thousands of cards from the 1980s and 1990s that are literally worthless. I bought 2 boxes of 1980's and 1990's era cards from my neighbor at a street sale for $10. There must be 10,000 cards in those boxes. Crazy. ...
by kenschmidt
Sun Aug 24, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6009

Re: Daily Telegraph: World War One Archive

The 75mm artillery gun was a revolutionary weapon, but the tactics had not been fully developed in 1914, so their ability to counter the dug in machine gun was not realized until later in the war. In 1914, the basic tactic was a long, massive artillery bombardment at the point of attack, followed by...
by kenschmidt
Sat Aug 23, 2014 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Daily Telegraph: World War One Archive
Replies: 95
Views: 6907

Re: Can a Commodities Fund be a Long-Term Investment?

heyyou If the CCF were in fact overwhelmed by institutional money please explain to us how the oil futures have been in large and persistent backwardation for well over a year--though it has been shrinking lately again. Larry It has been exactly like buying insurance, the premium has stayed gone. F...
by kenschmidt
Sat Aug 23, 2014 2:23 pm
 
Forum: Investing - Theory, News & General
Topic: Can a Commodities Fund be a Long-Term Investment?
Replies: 45
Views: 2676

Re: Can a Commodities Fund be a Long-Term Investment?

Any asset class with a long term NEGATIVE expected real return, (i.e. commodities, gold, etc) is not a long term investment but a short term speculation. But you aren't investing in commodities, you are investing in commodities futures. They behave differently. Plus, even pure commodities like gold...
by kenschmidt
Fri Aug 22, 2014 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: Can a Commodities Fund be a Long-Term Investment?
Replies: 45
Views: 2676

Re: Do you tip on the tax?

My kids were taught tipping calculations in math class at elementary school and they were specifically taught to calculate the tip on the total bill amount before tax. Calculating the tip on the after-tax amount was considered a "wrong" answer. Not saying that is correct, but I was surpris...
by kenschmidt
Fri Aug 22, 2014 4:54 pm
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 4976

Re: Tipping tradespeople

If its a multiday project Ive bought a case of coronas as tip for the crew. :beer I think its more about the gesture than the tip for tradesmen. +1 Or offer bottled water or buy a box of donuts. I even grilled a hamburger for a guy who was working late on something since we were eating anyway. I ag...
by kenschmidt
Fri Aug 22, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: Tipping tradespeople [rain gutter installers]
Replies: 27
Views: 2334

Re: Can a Commodities Fund be a Long-Term Investment?

There is a difference between owning commodities themselves and owning commodities futures. Commodities tend to increase in price at the rate of inflation, so you are correct - there's really no expectation of any growth there. Commodities futures are different in that: 1) they represent a form of i...
by kenschmidt
Fri Aug 22, 2014 11:16 am
 
Forum: Investing - Theory, News & General
Topic: Can a Commodities Fund be a Long-Term Investment?
Replies: 45
Views: 2676

Re: Driving Trip Planning

You might be able to use Google Maps for this. First, plot directions for your entire trip from point A to point B. Then, use the + symbol to add a destination; you will have to use a bit of trial and error to get to your 8 hour target, but you should be able to figure it out. Add as many interim de...
by kenschmidt
Wed Aug 20, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 45
Views: 1638

Re: Daily Telegraph: World War One Archive

For anyone interested, there are some nice pictures of coins dated 1914 covering many of the belligerents of WWI here: http://www.coincommunity.com/forum/topic.asp?TOPIC_ID=184793 I just finished the Hew Strachan book recently; it really does a good job of covering the major political topics of WWI ...
by kenschmidt
Tue Aug 19, 2014 7:35 pm
 
Forum: Personal Consumer Issues
Topic: Daily Telegraph: World War One Archive
Replies: 95
Views: 6907

Re: Questions about fertilizing and seeding lawn

I've rented a lawn renovator from my local tool rental center. It is gasoline powered, self propelled, walk behind, has a compartment for the grass seed and rotating drum. It slices the turf/soil slightly and spreads the seed. The seed is in contact with the soil. I have used one of these with grea...
by kenschmidt
Tue Aug 19, 2014 10:25 am
 
Forum: Personal Consumer Issues
Topic: Questions about fertilizing and seeding lawn
Replies: 21
Views: 1521

Re: Defined Benefit Plan Costs?

My company prints an annual "Rewards" statement specific to each employee that lists the company's cost of each benefit provided. In the case of my pension, which is a traditional DB plan paying 1.66%/yr of service, the annual cost varies a bit but is around 11-12% of salary. I think the &...
by kenschmidt
Mon Aug 18, 2014 1:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit Plan Costs?
Replies: 36
Views: 1815

Re: Spouse not ready to cut ties with financial advisers

Just to point out, you are already paying $60,000 or more in fees. $30,000 for the AUM charge, and another $30,000 or more for the expense ratio difference between the high cost funds and the equivalent lower cost funds at Vanguard. That's a new Mercedes every year. Not that you need that, but $60,0...
by kenschmidt
Sun Aug 17, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 112
Views: 8708

Re: New lower limit for Admiral share conversion

Anyone over 30,000 posts on Bogleheads.org automatically qualifies for Admiral Shares regardless of the amount. It is is the really fine print section of the fine print. :happy
by kenschmidt
Sun Aug 17, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: New lower limit for Admiral share conversion
Replies: 10
Views: 1661

Re: Daily Telegraph: World War One Archive

Actually, I have already achieved one major goal I had, which was to observe how, during the summer of 1914, the world went from a peaceful holiday time, people going to the beach, enjoying their lives, etc. to all out warfare, killing each other by thousands, in about two weeks time. :shock: To me...
by kenschmidt
Sun Aug 17, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: Daily Telegraph: World War One Archive
Replies: 95
Views: 6907

Re: Flood proofing a basement

A sump pump is not really going to help if this is surface water coming across the threshold of the door. A sump pump is to pump out water that is collected from drain tile below the level of the floor, not above it. In this situation, you really need to somehow divert the water coming into the low ...
by kenschmidt
Sat Aug 16, 2014 5:37 pm
 
Forum: Personal Consumer Issues
Topic: Flood proofing a basement
Replies: 24
Views: 1820

Re: Foundation crack repair

We had exactly the same situation when we built a house - a shrinkage crack that seeped water when we had rain on ground saturated with melting snow. In our case, the builder took care of the repair by hiring a company to do "Method 1" referenced above. That was in 1998 and we have not had...
by kenschmidt
Sat Aug 16, 2014 5:26 pm
 
Forum: Personal Consumer Issues
Topic: Foundation crack repair
Replies: 8
Views: 1030

Re: Are these [401k] options terrible?

I would ask them who pays the AMC / Net Asset Fee and if you pay that fee, what services does it cover. If you are stuck paying that fee, then this is a bad 401k plan. The expenses are way too high and will kill your account balance over the long run. Since there is no match, I would invest some tok...
by kenschmidt
Sat Aug 16, 2014 8:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Are these [401k] options terrible?
Replies: 28
Views: 2059

Re: Verizon Rewards - worth signing up?

There are auctions where you can buy gift cards and the like for points only. There are also local deals where you can get discounts to local businesses for points only. I am not saying it is the greatest rewards program ever created, but there is some opportunity for free stuff to be had at no cost.
by kenschmidt
Fri Aug 15, 2014 11:53 am
 
Forum: Personal Consumer Issues
Topic: Verizon Rewards - worth signing up?
Replies: 11
Views: 1788

Re: Recommendation for ear buds/in ear headphones

I have had several earbud/mic products over the last several years. Some were in the $150 range. For me, it is a heavy wear/often lost type of item so I have settled on these Panasonic ones. They give me 95% of the sound of the really good sets I have had and they last just as long and cost nothing...
by kenschmidt
Fri Aug 15, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: Recommendation for ear buds/in ear headphones
Replies: 18
Views: 747

Re: Strategic Default

The only thing about the moral issue is that businesses and wealthy people don't usually have moral issues with these questions. It's a deal gone south and you operate under the laws as written. Others may disagree and I understand that too. I think the real question is - is the credit hit your brot...
by kenschmidt
Fri Aug 15, 2014 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Strategic Default [on a property]
Replies: 42
Views: 3071

Re: Verizon Rewards - worth signing up?

Partly my decision is driven by the fact that I have a basic phone (not a smartphone), so there won't be any data to collect in terms of app usage or web browsing.
by kenschmidt
Wed Aug 13, 2014 8:54 pm
 
Forum: Personal Consumer Issues
Topic: Verizon Rewards - worth signing up?
Replies: 11
Views: 1788

Re: Verizon Rewards - worth signing up?

I signed up and already have 40000+ points, which looks to be worth anywhere from $50-200 depending on what and how I want to redeem them. If you are a Verizon customer, there's very little you need to do - you get points just for paying you bill and logging into your account, for example. I haven't...
by kenschmidt
Wed Aug 13, 2014 9:03 am
 
Forum: Personal Consumer Issues
Topic: Verizon Rewards - worth signing up?
Replies: 11
Views: 1788

Re: Too Good to be True? Universal Life

A lot of insurance companies issued policies with minimum guaranteed rates of 3 or 4 percent when interest rates were higher, never anticipating an extended period of interest rates at historical lows such as they are now. MetLife mostly likely doesn't want the money from you as they can't easily re...
by kenschmidt
Tue Aug 12, 2014 7:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Too Good to be True? Universal Life
Replies: 11
Views: 1087

Re: Does domestic over weighting qualify as active managemen

There is a qualitative difference between Mr. Bogle's ideal of a buy and hold portfolio that is designed to capture market returns with low turn over and stock picking, market timing, tactical asset allocation, etc. For convenience we call one passive and the other active. The active camp doesn't l...
by kenschmidt
Tue Aug 12, 2014 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: Does domestic over weighting qualify as active management?
Replies: 26
Views: 1224

Re: Minivan time! Opinions on 2013 Town & Country, Please

I would very much agree with deanbrew about the comfort of the 2nd row stow and go seats in the Town and Country. Too low to the floor and very flat and short, so not very good back support either. I also bought an Odyssey this spring. Our previous van was a 2002 Dodge Caravan. Mechanically, it was ...
by kenschmidt
Mon Aug 11, 2014 1:22 pm
 
Forum: Personal Consumer Issues
Topic: Minivan time! Opinions on 2013 Town & Country, Please
Replies: 23
Views: 1997

Re: Sources for Discovering Dishwasher Quality

Wow - who wants to spend $1500 on a dishwasher? I just feel like it's going to break down just as quick as the $500 one. I know more expensive equals quieter, but we just set ours to run at 2am. I do agree that a lot of reviews don't do a great job of predicting long-term reliability. I have found s...
by kenschmidt
Sun Aug 10, 2014 2:36 pm
 
Forum: Personal Consumer Issues
Topic: Sources for Discovering Dishwasher Quality
Replies: 36
Views: 1841

Re: Mulch, Rubber Mulch, or Rocks in Landscaping?

I use the dyed mulch which stays nice looking longer than the traditional stuff. Rock - use with caution - if you (or your spouse speaking from experience) ever decides they want something different, removal AND disposal is not fun. Also, if it gets kicked into the grass, it is there forever. I have...
by kenschmidt
Fri Aug 08, 2014 11:04 am
 
Forum: Personal Consumer Issues
Topic: Mulch, Rubber Mulch, or Rocks in Landscaping?
Replies: 36
Views: 1662

Re: Vanguard computer security

A factor is one item that is in a class. The classes have to be independent of each other. Types of classes might be: Something you know - i.e. password Something you have - i.e. pseudo random number generator, one time pad etc. Something you are - i.e. fingerprint, blood sample, brain scan etc. So...
by kenschmidt
Thu Aug 07, 2014 4:35 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard computer security
Replies: 67
Views: 3646

Re: Moving Average Backtest destroys Buy/Hold. Try for yours

Backtesting is never proof of anything. That's just data mining. Not quite. You can prove which strategies are bad because they wouldn't have worked even in the past. Absence of badness is not proof of goodness though. Just because a strategy was bad in the past doesn't mean it would be bad in the ...
by kenschmidt
Thu Aug 07, 2014 4:30 pm
 
Forum: Investing - Theory, News & General
Topic: Moving Average Backtest destroys Buy/Hold. Try for yourself.
Replies: 59
Views: 4404

Re: Vanguard computer security

If I remember correctly , if the "cookie" is not found you must answer security questions so even if the hacker has your password they must also have the answers to your security questions. This seems to be correct from my experience. But it doesn't help much if your laptop is stolen, the...
by kenschmidt
Thu Aug 07, 2014 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard computer security
Replies: 67
Views: 3646

Re: Vanguard computer security

I guess there are reasons after all for Vanguard's rock bottom expense ratio---relatively weak security, refusal to allow beneficiaries on taxable joint-accounts, etc. I'd gladly trade a small increase in expense ratio for more peace of mind. Heck, even my no-name credit union has 3-step authentica...
by kenschmidt
Thu Aug 07, 2014 3:30 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard computer security
Replies: 67
Views: 3646

Re: Vanguard computer security

Yes, but I'd argue that Vanguard is playing word games, and purposefully trying to have clients "think" that what they do IS the same as "two FACTOR", that most people won't notice the "step" vs "factor" or if they do, will assume they both refer to the same ...
by kenschmidt
Thu Aug 07, 2014 3:28 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard computer security
Replies: 67
Views: 3646

Re: Vanguard computer security

It is important to note they technically said "two step", not "two factor". What they have is more secure than just a straight user Id and password but it is still technically one factor in that it is all based on "something you know" while true two factor authenticatio...
by kenschmidt
Thu Aug 07, 2014 11:07 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard computer security
Replies: 67
Views: 3646

Re: Daily Telegraph: World War One Archive

Studying history in this way (daily news reports and editorials) can provide a perspective one can't get by picking up a history book. Our understanding is always slanted since we know the outcome. When you start "living" the events day to day, you begin to appreciate that to the people l...
by kenschmidt
Sun Aug 03, 2014 11:17 am
 
Forum: Personal Consumer Issues
Topic: Daily Telegraph: World War One Archive
Replies: 95
Views: 6907

Re: Caring for Parents

I think you need to try to project the level of care needed against both cash flow/income and total liquid assets before you can really determine where to put the $240k. $240k will likely pay for a lot of home health care - although 97 years old is up there too. Having looked into this for my own in...
by kenschmidt
Sun Aug 03, 2014 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Caring for Parents
Replies: 4
Views: 536

Re: Daily Telegraph: World War One Archive

It's always an interesting one. In that the common language and history hadn't helped in the War of 1812. Time heals all wounds I guess. That, plus alignment of common interests lets you forget a lot of history. In the US, the War of 1812 doesn't get a lot of coverage, but it was (is) a huge deal i...
by kenschmidt
Sat Aug 02, 2014 1:15 pm
 
Forum: Personal Consumer Issues
Topic: Daily Telegraph: World War One Archive
Replies: 95
Views: 6907

Re: Daily Telegraph: World War One Archive

In 1914, Britain and Canada, not Germany, would have been the natural enemies of the U.S.A. . US and British relations changed significantly for the better in the late 19th Century - sometimes referred to as "The Great Rapprochement" - as strategic interests of the two countries became mo...
by kenschmidt
Sat Aug 02, 2014 9:07 am
 
Forum: Personal Consumer Issues
Topic: Daily Telegraph: World War One Archive
Replies: 95
Views: 6907

Re: It seems Warren Buffett believes in DCA

“…If you like spending 6-8 hours per week working on investments, do it. If you don’t, then dollar-cost average into index funds. This accomplishes diversification across assets and time, two very important things…if you invested in a very low cost index fund — where you don’t put the money in at o...
by kenschmidt
Fri Aug 01, 2014 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: It seems Warren Buffett believes in DCA
Replies: 44
Views: 3986

Re: Which is King: Income Stream or $ Invested

Clearly_Irrational wrote:Income stream up to my minimal acceptable lifestyle then dollars invested after that.


Good Answer!
by kenschmidt
Tue Jul 29, 2014 11:12 pm
 
Forum: Investing - Theory, News & General
Topic: Which is King: Income Stream or $ Invested
Replies: 52
Views: 4583

Re: Advice on getting a power adapter

6VDC and 1 AMP is a very common power output. The trickier part is getting the connector right. Radio Shack sells the power adapter with interchangeable connectors; if you take the device in, they can match it up for you. This has worked for me in the past when I needed to replace a power supply and...
by kenschmidt
Tue Jul 29, 2014 11:03 pm
 
Forum: Personal Consumer Issues
Topic: Advice on getting a power adapter
Replies: 13
Views: 750

Re: Was ready to pull plug on Janus..until

Looking at YTD performance isn't going to tell you a lot. I held Janus Fund back on the 90's when James Craig ran it. I remember it as being a decent fund - moderate expenses with low turnover (turnover = cost). Taking a few of the funds above: JANEX ER 0.86%, turnover 17% VMGMX ER 0.09%, turnover 6...
by kenschmidt
Tue Jul 29, 2014 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Was ready to pull plug on Janus..until
Replies: 66
Views: 4057
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