Search found 3006 matches

by kenschmidt
Wed Aug 24, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: *Tech Questions* How do you keep track of your life?
Replies: 19
Views: 1640

Re: *Tech Questions* How do you keep track of your life?

I use Google Picasa, which was a desktop based app for organizing, uploading, editing, printing photos, etc. Google has since replaced that with Google Photos, although it does not (yet) have the capabilities of PIcasa in my opinion. Picasa still works, so I will also continue to use it for awhile u...
by kenschmidt
Wed Aug 24, 2016 11:40 am
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 34
Views: 2597

Re: Aug. 2017 US total eclipse hotel reservations.

I am thinking of driving into the totality zone - maybe Hopkinsville, KY or Land Between the Lakes. About a 4 hour drive or so.

I am probably 30 minutes away for the 2024 event.
by kenschmidt
Tue Aug 23, 2016 8:03 pm
Forum: Investing - Theory, News & General
Topic: Examples of Declining Alpha for Active Funds
Replies: 4
Views: 400

Re: Examples of Declining Alpha for Active Funds

Vanguard changed the indexes that the Value and Growth Indexes tracked in 2004. The value and growth indexes used prior to 2004 were the BARRA indexes; these split the S&P 500 into value and growth components, so the value index was not very "valuey" at all. When growth stocks hit the ...
by kenschmidt
Sun Aug 21, 2016 11:39 am
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 124
Views: 7128

Re: Favorite Restaurant Stop on Road Trips

OK, I'll say it - McDonalds! An Egg McMuffin sandwich and coffee for breakfast. It's probably the healthiest item on their menu. I don't like to spend a lot of time at breakfast when traveling. This is my traditional vacation drive day breakfast, although I get the Sausage McMuffin with Egg. My kid...
by kenschmidt
Sun Aug 21, 2016 11:38 am
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 124
Views: 7128

Re: Favorite Restaurant Stop on Road Trips

happyisland wrote:I'm honestly shocked that there are so many votes for Chik Fil A. Who puts a bread and butter pickle on a fried chicken sandwich? I know you can pick it off, but that is just downright suspicious behavior.


At least where I live, it's a dill pickle. Bread and Butter pickles are sweet.
by kenschmidt
Sun Aug 21, 2016 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Fraud: How many times is 'normal'?
Replies: 24
Views: 1283

Re: Credit Card Fraud: How many times is 'normal'?

This topic has come up before and my conclusion is that there is no clear behavior that either increases or decreases your chances of getting hacked. I have only had one incident of a fraudulent charge in over 30 years and I shop online with my cards, have automatic transactions charged to them, use...
by kenschmidt
Sat Aug 20, 2016 12:34 pm
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 103
Views: 5272

Re: What is your system for dealing with coins?

I dump mine into a bucket, when the bucket is full I used to take it to the local PNC Bank which had a coin counting machine. They have removed those from all branches so I will probably go to Kroger in the future and get a gift certificate.
by kenschmidt
Sat Aug 20, 2016 11:41 am
Forum: Personal Finance (Not Investing)
Topic: How to manage mom's life insurance payout
Replies: 12
Views: 1299

Re: How to manage mom's life insurance payout

I think you have gotten good advice on the life insurance question. On the social security question, as a general rule, your MIL will receive the $1,600/mo. benefit and the $500/mo. benefit will be stopped. This will occur automatically on the notification of death to the SSA. We recently went throu...
by kenschmidt
Sat Aug 20, 2016 10:54 am
Forum: Personal Consumer Issues
Topic: Slightly Overwhelmed on Home Maintenance Issues
Replies: 45
Views: 4453

Re: Slightly Overwhelmed on Home Maintenance Issues

One additional thought on trees - a good tree species planted in the wrong place will still struggle; often they will grow to a certain size and then decline. Many builders will use non-native pine species as a screen; Spruce for example tends to be in general a more Northern species; White Pine is ...
by kenschmidt
Sat Aug 20, 2016 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Am I devastatingly far behind on retirement savings and how can I catch up?!
Replies: 40
Views: 6058

Re: Am I devastatingly far behind on retirement savings and how can I catch up?!

I would adopt the "pay yourself first principle" - set a target savings amount, invest that first and then you can spend what's left. At 29, with a very good income, you really can't be devastating behind. Set a target to save $20,000 or $25,000 a year and you will be in really good shape ...
by kenschmidt
Sat Aug 20, 2016 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Is my pension safe?
Replies: 9
Views: 821

Re: Is my pension safe?

The other consideration, if the plan is insured, is if your yearly benefit will exceed the maximum coverage by the PBGC. That amount is around $60,000 / yr, so if your benefit exceeds that amount, it would not be fully covered.
by kenschmidt
Wed Aug 17, 2016 8:31 am
Forum: Investing - Help with Personal Investments
Topic: High Expense ratios = Change Mutual Funds?
Replies: 7
Views: 464

Re: High Expense ratios = Change Mutual Funds?

Cost is the biggest factor in fund performance and represents one of indexing's biggest advantages. Cost includes not only expense ratio but also turnover generated transaction costs. 0.50 is a pretty low ER; a fund with low turnover and that ER could be a good fund. Even 0.87 is relatively low cost...
by kenschmidt
Tue Aug 16, 2016 8:31 pm
Forum: Personal Consumer Issues
Topic: 2014 Accord problem with SiriusXM
Replies: 3
Views: 381

Re: 2014 Accord problem with SiriusXM

2014 Honda Accord should have a 3yr/36,000 mile bumper to bumper warranty so it should be covered.
by kenschmidt
Tue Aug 16, 2016 2:38 pm
Forum: Investing - Theory, News & General
Topic: Who trades on momentum, and thus who's on the other side
Replies: 22
Views: 1496

Re: Who trades on momentum, and thus who's on the other side

I had thought that one of the reasons for using relatively wide rebalancing bands was to allow some capture of the momentum effect.
by kenschmidt
Sun Aug 14, 2016 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: HOA Ruling
Replies: 34
Views: 3680

Re: HOA Ruling

tomd37 wrote:Ours require 3/4 to approve amendment.


In my state at least the change must also be properly filed with the County Recorder's office in order to take effect.
by kenschmidt
Sun Aug 14, 2016 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance & LI under negative interest rates
Replies: 10
Views: 676

Re: Life insurance & LI under negative interest rates

Great post, ole meph. You should reconsider that book.
by kenschmidt
Sun Aug 14, 2016 11:22 am
Forum: Personal Finance (Not Investing)
Topic: HOA Ruling
Replies: 34
Views: 3680

Re: HOA Ruling

The original covenants trump your storage guidelines document. The HOA has no legal authority to modify the covenants except by following the specific requirements as usually stated in the covenants. Unless you have evidence that this procedure was followed, I don't think you have any basis for the ...
by kenschmidt
Sun Aug 14, 2016 11:13 am
Forum: Personal Consumer Issues
Topic: Do you wash your car yourself, or have it done?
Replies: 96
Views: 5227

Re: Do you wash your car yourself, or have it done?

I usually wash mine myself but will occasionally go through the local gas station wash in the winter when it is too cold to do it outside. I go for the economy wash which is usually around $6. Water is plentiful where I live so water restrictions are not an issue. I do still try to minmize water usa...
by kenschmidt
Sun Aug 14, 2016 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Finding middle ground with spouse on investing
Replies: 30
Views: 3106

Re: Finding middle ground with spouse on investing

It wouldn't be the worst thing in the world if you took that next stock grant and split it 50/50, with 50% going into the market and 50% going into something safe like a bank account, I-bonds, etc. I know that causes havoc with your targeted 90/10 allocation, but you might need to back off on someth...
by kenschmidt
Sat Aug 13, 2016 8:03 pm
Forum: Personal Consumer Issues
Topic: $67 Auto Lease??
Replies: 12
Views: 1575

Re: $67 Auto Lease??

If you bought an Accent for $13,000 and kept it 10 years, it would probably be worth $2,000, so it would have cost you $11,000 over ten years. If you leased a new Accent every three years, assuming the same deal was available in the future, you'd have spent $21,000 or so after 9 years and be without...
by kenschmidt
Fri Aug 12, 2016 10:27 am
Forum: Investing - Theory, News & General
Topic: Bogleheads: Asset-Allocation and Rebalancing
Replies: 73
Views: 5279

Re: Bogleheads: Asset-Allocation and Rebalancing

I have been funneling new money 100% to International (Total Intl Stock Index) for awhile now.

Bonds are surprisingly mostly keeping up this year. I have yet to hit any rebalancing targets.
by kenschmidt
Fri Aug 12, 2016 10:20 am
Forum: Personal Consumer Issues
Topic: Busch gardens & Water Country, Williamsburg - Suggetions
Replies: 19
Views: 644

Re: Busch gardens & Water Country, Williamsburg - Suggetions

We went a few years ago. We stayed in Hampton vs. Williamsburg - more hotel options. We went to Colonial Williamsburg for a day, Jamestown on Day 2 and Norfolk Naval Base on Day 3 before continuing on to Virginia Beach for the second half of the week. Traffic on I-64 was pretty much gridlock morning...
by kenschmidt
Thu Aug 11, 2016 9:15 am
Forum: Investing - Theory, News & General
Topic: Anyone looking at changing AA in presence of Current Valuations?
Replies: 71
Views: 3267

Re: Anyone looking at changing AA in presence of Current Valuations?

This sounds like such an easy idea. It's obvious the markets are high right now so why not be "smart" and take some money off the table? My experience is that this does not work and your attempts to be smart will actually hurt your long term performance. So I leave my asset allocation unch...
by kenschmidt
Tue Aug 09, 2016 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best way to choose a mortgage company?
Replies: 13
Views: 1052

Re: What is the best way to choose a mortgage company?

Not all share these opinions, but for what it may be worth: Almost all lenders that originate mortgage loans sell the mortgage. There are two parts of a mortgage that can be sold. One part is the "money" and the other part is the "servicing". So, for example, you might get a mor...
by kenschmidt
Sun Aug 07, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: new smart phone - are all Androids like this??
Replies: 9
Views: 895

Re: new smart phone - are all Androids like this??

No, I do not have this problem on my Samsung Galaxy S6.
by kenschmidt
Sun Aug 07, 2016 10:54 am
Forum: Personal Finance (Not Investing)
Topic: How should I pay for garage renovation?
Replies: 10
Views: 968

Re: How should I pay for garage renovation?

How much equity do you have in your house? If a lot, I'd consider a HELOC; if you have little equity in the house, I'd probably go the cash route.
by kenschmidt
Wed Aug 03, 2016 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: New Job: Take Paycut by leaving Big 4?
Replies: 32
Views: 4194

Re: New Job: Take Paycut by leaving Big 4?

Having worked in Big 4 Consulting back when it was the Big 8, I would say that unless you want to and think you can make partner, it probably makes sense to leave. You've put in your time in the Big 4, it looks good on your resume, but at this point, what else is left to grow into? I'd at least take...
by kenschmidt
Tue Aug 02, 2016 8:00 pm
Forum: Personal Consumer Issues
Topic: Subaru Legacy Question.
Replies: 20
Views: 1401

Re: Subaru Legacy Question.

Once you ask the question, the decision has already been made. Get the 6.
by kenschmidt
Tue Aug 02, 2016 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Significant Salary Discrepancy
Replies: 26
Views: 3459

Re: Significant Salary Discrepancy

My guess is that your co-workers made more in their previous positions than you due to their amount of experience as well. This isn't always fair, but it is often how things work. Many companies use salary bands - using totally arbitrary numbers, a level I should make between 1-5 with a midpoint of ...
by kenschmidt
Mon Aug 01, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: Microsoft is still offering free Windows 10 upgrades
Replies: 42
Views: 2026

Re: Microsoft is still offering free Windows 10 upgrades

What's in it for Microsoft is to slow the erosion in market share for Windows-based operating systems. Apple no longer charges for Mac OS or iOS upgrades, Linux is free and improving every day, Android is free, etc. They are losing their pricing power when it comes to operating systems.
by kenschmidt
Sat Jul 30, 2016 12:01 pm
Forum: Personal Consumer Issues
Topic: Old School alarm/table clock
Replies: 15
Views: 951

Re: Old School alarm/table clock

I have one of these - bought it new in 1990 but have yet to see anything I like better:

http://www.ebay.com/itm/Vintage-GE-Cloc ... SwGIRXbZp0
by kenschmidt
Sat Jul 30, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: New Tipping Practice?
Replies: 130
Views: 6265

Re: New Tipping Practice?

I had this happen recently at a Jersey Mike's. They must have put in a new system. I just tapped None.

The funny thing is that I'd be more inclined to throw a buck in the tip jar than do this. At least a tip jar is not so "in your face".
by kenschmidt
Sat Jul 30, 2016 10:11 am
Forum: Personal Consumer Issues
Topic: Preparing financially for our funerals - prepay or not?
Replies: 52
Views: 2150

Re: Preparing financially for our funerals - prepay or not?

It is interesting who required original death certificates above. My experience - accepted copy (including in person - i.e., did not need to view original): Fidelity Life Insurance (annuity) Fidelity Investments 5/3 Bank 5/3 Securities Key Bank MetLife VA Life Insurance CompuServe (shareholder for D...
by kenschmidt
Fri Jul 29, 2016 7:10 pm
Forum: Personal Consumer Issues
Topic: Never owned a cell phone.
Replies: 41
Views: 1894

Re: Never owned a cell phone.

How do you play Pokemon GO?
by kenschmidt
Fri Jul 29, 2016 7:09 pm
Forum: Personal Consumer Issues
Topic: Preparing financially for our funerals - prepay or not?
Replies: 52
Views: 2150

Re: Preparing financially for our funerals - prepay or not?

Having just helped settling my father-in-law's final affairs, we did not need anywhere near 10 copies of the death certificate. Almost all entities accepted a photocopy instead of an original. Only two required originals - Civil Service Insurance program and Civil Service Retirement System (CSRS). O...
by kenschmidt
Wed Jul 27, 2016 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Sell individual corporate bonds to pay off mortgage?
Replies: 27
Views: 1198

Re: Sell individual corporate bonds to pay off mortgage?

This is a complicated question and the answer in part depends on what is important to you. How much do you really want to get out of individual bonds? How quickly do you want your house paid off? You could get a 10 year or 15 year mortgage for under 3% if you refinanced. If the mortgage interest is ...
by kenschmidt
Wed Jul 27, 2016 8:04 am
Forum: Personal Consumer Issues
Topic: Weld broken car door or buy a new one
Replies: 17
Views: 1094

Re: Weld broken car door or buy a new one

Based on the motor mount issue, I am guessing you have an Odyssey.

I think the junk yard idea is a decent one if you can find a match in terms of color. Mounting the new door is pretty straightforward if you are reasonably handy.
by kenschmidt
Tue Jul 26, 2016 6:23 pm
Forum: Personal Consumer Issues
Topic: Gas grill recommendations please
Replies: 52
Views: 2255

Re: Gas grill recommendations please

Weber Spirit should be in that price range. I have an E-310 which is three burners but I believe they make a two burner model also. Like you, I got tired of the junk grills and have been very happy with mine.
by kenschmidt
Mon Jul 25, 2016 12:42 pm
Forum: Personal Consumer Issues
Topic: My experience with "older" used car
Replies: 59
Views: 4947

Re: My experience with "older" used car

I have always thought about it as this - a new car costs $20,000 - $30,000 and I would like to keep it at least 10-12 years, so the "yearly cost" is somewhere in the neighborhood of $2,000-$3,000 a year until it is fully depreciated and any additional life is a bonus. Even if you spent $10...
by kenschmidt
Sun Jul 24, 2016 1:23 pm
Forum: Personal Consumer Issues
Topic: New car or not?
Replies: 43
Views: 3728

Re: New car or not?

What brand and type of tires do you have on your car? How old are they? I had the same question. If you just got tires based on price or tried to replace the OEM tires (typically not always the greatest tires), you might be driving on crap tires, new or not. Go to tirerack.com and look at the tire ...
by kenschmidt
Sun Jul 24, 2016 10:16 am
Forum: Investing - Theory, News & General
Topic: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?
Replies: 178
Views: 9623

Re: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?

Because 99 out of 100 people can't successfully pull that off. They see a big bear market hit, where your investments drop by 40, 50 or maybe 60%, and they bail out. What you suggest sounds easy but it is not. If you have substantial investments and a market drop hits, every bone in your body will b...
by kenschmidt
Sat Jul 23, 2016 10:51 am
Forum: Personal Consumer Issues
Topic: Very strange discovery on Google [use tracking/privacy]
Replies: 23
Views: 3608

Re: Very strange discovery on Google

When I log into activity page,it shows past google searches. I know it's my relative because we visited her a couple of months ago and she planned our tours. I find those searches from hotels, trip suggestions and more that can be no coincidence. I even saw her search for flights when she comes ove...
by kenschmidt
Thu Jul 21, 2016 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Help With Picking Job Title at Startup
Replies: 36
Views: 2445

Re: Help With Picking Job Title at Startup

VP Operations
Principal
Product Evangelist
Chief Architect
by kenschmidt
Thu Jul 21, 2016 8:19 am
Forum: Investing - Theory, News & General
Topic: wishing the market would drop to buy more shares
Replies: 36
Views: 3109

Re: wishing the market would drop to buy more shares

I am not sure what the purposes of these type of threads are? I'll be more curious to see if you say the same thing when the market drops 30%, the economy sinks into another recession, and you lose your job at the same time you are trying to put 2 kids through college. Don't think i have EVER seen ...
by kenschmidt
Tue Jul 19, 2016 10:05 am
Forum: Investing - Theory, News & General
Topic: Trying the Impossible - Financing 30-Year Retirements with 40-Year Careers
Replies: 70
Views: 9000

Re: Trying the Impossible - Financing 30-Year Retirements with 40-Year Careers

I think what you see already happening is that some people will have to finance a 30 year retirement by supplementing their retirement by working. Not necessarily a full time job and not necessarily a career type job, but something pulling in extra income. Those who save the most may avoid this comp...
by kenschmidt
Mon Jul 18, 2016 2:04 pm
Forum: Personal Consumer Issues
Topic: The Big Short
Replies: 176
Views: 20479

Re: The Big Short

I liked the celebrity cameos. Here to explain CDO's is Richard Thaler and Selena Gomez. How many viewers knew who Selena Gomez is? How many know who Richard Thaler is (Bogleheads don't count)? And how did we get in this mess again? Because nobody follows or understands all this stuff, but hey, that ...
by kenschmidt
Mon Jul 18, 2016 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Trading in an inherited vehicle
Replies: 9
Views: 833

Re: Trading in an inherited vehicle

You will not be able to trade in the vehicle if you are not on the title. You technically don't own the vehicle. In NY, the vehicle would pass to the deceased's spouse or if not spouse, to the deceased's children. If you are not one of these parties, you would have to have the inheriting party trans...
by kenschmidt
Mon Jul 18, 2016 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Feeling discouraged
Replies: 60
Views: 5955

Re: Feeling discouraged

Many people don't realize that when you are starting out, your savings rate is MUCH more important than your rate of return. You have already done one of the single best things you could have done, which is to get an early start. At some point, there will be a tipping point where you start noticing ...
by kenschmidt
Sat Jul 16, 2016 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Banking & security & open sessions - a question
Replies: 9
Views: 699

Re: Banking & security & open sessions - a question

There is definitely a security hole there. You have a workaround, so you are not personally exposed but it doesn't say great things about the overall security of the website.
by kenschmidt
Fri Jul 15, 2016 6:47 pm
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 3236

Re: Raising a reader

The main thing we did is to read to them every night before bed. You can start now with simpler books and then work your way up.

My renditions of Hop on Pop and Green Eggs and Ham were highly regarded back in their day.

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