Search found 3100 matches

by kenschmidt
Fri Dec 02, 2016 3:38 pm
Forum: Personal Consumer Issues
Topic: Lexus (and Toyota) Owners --- Routine Service ??
Replies: 18
Views: 1154

Re: Lexus (and Toyota) Owners --- Routine Service ??

Toyota had an issue in the early 2000s with engine sludge forming. They ended up replacing some engines as part of a recall and shortened the service interval to 5,000 from 10,000. My 2005 Toyota (2005 was post-sludge) has a light that comes on at 5,000 that says "Maintenance Required". It...
by kenschmidt
Sat Nov 26, 2016 10:40 am
Forum: Investing - Help with Personal Investments
Topic: My Bonds Are Enraging Me
Replies: 43
Views: 5176

Re: My Bonds Are Enraging Me

pennstater2005 wrote:The Cincinnati Bengals are enraging me.


LOL! I check my investments every day, but I stopped watching the Bengals. I can take checking the final score on my phone but that's it. Ironic that I employ the "don't check too often" mantra to sports but not my investments!
by kenschmidt
Fri Nov 25, 2016 11:12 am
Forum: Personal Consumer Issues
Topic: Kitchen appliances
Replies: 14
Views: 1358

Re: Kitchen appliances

Of all the big box stores, I have found Lowes to be the best for overall service for appliances.

In terms of brands, it's all a crap shoot. They don't make them like they used to and LG is probably as good as any of the other major brands.
by kenschmidt
Fri Nov 25, 2016 10:11 am
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 5798

Re: Black Friday - is this overdone?

Black Friday prices do tend to be the best of the year. Like you and others, I tend to replace stuff when I need to, not when the replacement is on sale. In my experience BF prices are no longer best by a substantial margin. The exceptions are usually limited-quantity "door crashers" for ...
by kenschmidt
Fri Nov 25, 2016 9:41 am
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 5798

Re: Black Friday - is this overdone?

My experience this year was that Black Friday sales were available on line the week before Black Friday. I bought 3 items, all electronics, at the advertised Black Friday prices all before breakfast on Thanksgiving and didn't need to leave the house. I am a person that tends to use something until i...
by kenschmidt
Thu Nov 24, 2016 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Please help me pick a Fidelity International fund for my 401k
Replies: 3
Views: 364

Re: Please help me pick a Fidelity International fund for my 401k

Agree with livesoft - the index fund is a no brainier at a better than 0.9% cost advantage.
by kenschmidt
Wed Nov 23, 2016 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Term insurance without exam
Replies: 24
Views: 2164

Re: Term insurance without exam

That sounds alarming, but I don't think it's accurate. I have never come across a pharmacy selling a dataset of individualized prescription data. Conceivably, a pharmacy could ask a patient to sign a HIPAA-compliant release authorizing such information to be disclosed for this specific commercial p...
by kenschmidt
Wed Nov 23, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Individual disability in addition to group disability
Replies: 8
Views: 565

Re: Individual disability in addition to group disability

The group coverage is typically before tax, so of the 60% coverage, you will have to pay taxes on that benefit. I think a supplemental disability policy is a good idea even for those who have group coverage. The benefit from an individual policy is typically after tax - i.e., the benefits are tax fr...
by kenschmidt
Mon Nov 21, 2016 11:50 am
Forum: Investing - Theory, News & General
Topic: Father passed - First steps to taking over finances?
Replies: 25
Views: 2154

Re: Father passed - First steps to taking over finances?

In my experience 50 is closer to reality than 5. I guess I was lucky not needing that many. I didn't need that many either. In fact, I needed only a couple. All of the places that required to see one were sensitive to the fact that they are expensive ($20/ea in my case!) and returned them. This was...
by kenschmidt
Sat Nov 19, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: Shipping Costs
Replies: 9
Views: 835

Re: Shipping Costs

It is going to somewhat depend on how big a box you mean.

The USPS flat rate large priority boxes can be a good deal if that will be big enough. Above that size and your best bet might be the UPS Store. You should be able to ship a pretty big box for $25-30.
by kenschmidt
Sat Nov 19, 2016 2:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Valuethinker has surpassed 30,000 posts
Replies: 39
Views: 3099

Re: Valuethinker has surpassed 30,000 posts

Which one is he again? :D

Just kidding! Congrats, Valuethinker!
by kenschmidt
Sat Nov 19, 2016 2:04 pm
Forum: Investing - Theory, News & General
Topic: How a friend legally front-ran the market and made millions
Replies: 29
Views: 4855

Re: How a friend legally front-ran the market and made millions

If your friend was doing what I think he was, he was really taking advantage of pricing problems of international funds - so he was not beating the market per se but rather taking advantage of this pricing problem at the expense of the other shareholders in the fund when the gain/loss discrepancy he...
by kenschmidt
Fri Nov 18, 2016 1:46 pm
Forum: Personal Consumer Issues
Topic: Turkey recommendations
Replies: 24
Views: 1193

Re: Turkey recommendations

We are feeding 25. We will buy 2 frozen turkey breasts and a frozen whole turkey. Probably Butterball or Honeysuckle. We will start the thawing process on Sunday as it always takes longer than it says. Oil and season them, stick the meat thermometer in one (it looks like it's from the 1950's), and c...
by kenschmidt
Fri Nov 11, 2016 4:10 pm
Forum: Personal Consumer Issues
Topic: Drain Cleaner or Plumber for slow drains?
Replies: 52
Views: 3739

Re: Drain Cleaner or Plumber for slow drains?

I used an old fashioned sink plunger, run the tap and plunge away until all the old gunk comes flowing back into the sink; I then flush it with lots of water back down the drain; works great and lasts for several months until I have to repeat.
by kenschmidt
Fri Nov 11, 2016 4:06 pm
Forum: Personal Consumer Issues
Topic: Equivalent "Do Not Call" List for Wireless?
Replies: 15
Views: 1226

Re: Equivalent "Do Not Call" List for Wireless?

I use an app called Hiya on my Android phone; it blocks numbers reported by others and you can also report spam calls so that they eventually are blocked for others. It has worked really well for me so far. It is free.
by kenschmidt
Thu Nov 10, 2016 8:12 pm
Forum: Personal Consumer Issues
Topic: Can I (or should I) take this in checked baggage?
Replies: 14
Views: 1409

Re: Can I (or should I) take this in checked baggage?

I think it would be OK to pack and the zip lock bag is a good idea. I will say that when I have packed something unusual like this, I tend to notice that TSA will inspect my bag and leave one of their cards notifying you that it was opened for inspection.
by kenschmidt
Sun Nov 06, 2016 8:15 pm
Forum: Personal Consumer Issues
Topic: Samsung Exploding Washing Machines & CPSC Involvement
Replies: 33
Views: 3946

Re: Samsung Exploding Washing Machines & CPSC Involvement

I'm still deciding what to do with mine. They only offered $399 for a non samsung version and $499 for a samsung washer replacement (not sure what happened to the $150 extra for loyalty- maybe a glitch). It would be nice to know what the repair would look like and entail. Similarly how the 'rebate'...
by kenschmidt
Sun Nov 06, 2016 8:14 pm
Forum: Personal Consumer Issues
Topic: Samsung Exploding Washing Machines & CPSC Involvement
Replies: 33
Views: 3946

Re: Samsung Exploding Washing Machines & CPSC Involvement

I have an affected washer and I was able to use the website to verify my product code and serial number and set up a time for an in home repair. I did this on my iPad on Saturday afternoon. One of the interesting things about the repair is that they also send a label kit that I believe will end up p...
by kenschmidt
Sun Nov 06, 2016 1:17 pm
Forum: Personal Consumer Issues
Topic: Lawncare tips
Replies: 15
Views: 1714

Re: Lawncare tips

The aroundtheyard.com article gives pretty good advice and mostly matches what I do for a lawn in a similar climate to yours. Here's my basic approach: April 1 - put down a pre-emergent / crabgrass prevention and fertilizer combination June 1 - put down lawn fertilizer Sept 1 - put down lawn fertili...
by kenschmidt
Sun Nov 06, 2016 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Update on CCFs [Collateralized Commodities Futures]
Replies: 17
Views: 1222

Re: Update on CCFs [Collateralized Commodities Futures]

Following the premise that a commodities futures fund protects against unexpected inflation, it is not too surprising that the fund has not done well during a period of unexpected deflation in energy prices - a historic price decline in some ways. So any performance analysis done using recent perfor...
by kenschmidt
Sat Nov 05, 2016 4:36 pm
Forum: Personal Consumer Issues
Topic: "Unsupported Browser" messages
Replies: 9
Views: 715

Re: "Unsupported Browser" messages

Internet Explorer also changed how it reports itself as to which browser and version it is and this triggered some websites to report an unsupported browser based on the new identification method as they were not coded to recognize IE 11in the new way.
by kenschmidt
Mon Oct 31, 2016 8:31 pm
Forum: Personal Consumer Issues
Topic: Which new phone is the Best Buy for the money
Replies: 35
Views: 3108

Re: Which new phone is the Best Buy for the money

The one you buy on Black Friday.
by kenschmidt
Mon Oct 31, 2016 8:27 pm
Forum: Personal Consumer Issues
Topic: Visit Fairbanks, Alaska to see Northern Lights?
Replies: 10
Views: 1045

Re: Visit Fairbanks, Alaska to see Northern Lights?

Awesome pictures. I was fortunate to see the Northern Lights in Southern Ohio a few years ago. A very unusual occurrence.
by kenschmidt
Mon Oct 31, 2016 8:22 pm
Forum: Personal Consumer Issues
Topic: leaf blower, chainsaw, hedger or single tool
Replies: 26
Views: 1937

Re: leaf blower, chainsaw, hedger or single tool

I have a Stihl combi motor that is great. I have found for attachments you use infrequently, the combi system is great. But if you regularly use each tool, it is kind of a hassle to switch the attachments out frequently. So I have a string trimmer attachment that I use most of the time, and an edger...
by kenschmidt
Sun Oct 30, 2016 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Complex cost basis question for gifted and inherited stock
Replies: 19
Views: 1003

Re: Complex cost basis question for gifted and inherited stock

@livesoft, I was referring to the original 500 shares when I said those would be FIFO. The remaining inherited shares received the stepped up basis and so the cost basis will be very close to the current value and so those can be sold with little to no tax implications. I am unclear if you are sayin...
by kenschmidt
Sun Oct 30, 2016 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Complex cost basis question for gifted and inherited stock
Replies: 19
Views: 1003

Re: Complex cost basis question for gifted and inherited stock

Give the entire holding to charity or to a donor advised fund. Gill That's great advice and I would do the same thing. Also, I don't understand the need to use FIFO. Can kenschmidt explain that? With the records that they have, one can use specific identification and sell some shares and/or give so...
by kenschmidt
Sun Oct 30, 2016 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Complex cost basis question for gifted and inherited stock
Replies: 19
Views: 1003

Re: Complex cost basis question for gifted and inherited stock

Thank you Chip. I did enter the Smuckers transaction when putting everything into Quicken, so think that is covered. Luckily dad saved everything - and I mean everything which presented its own problems, but at least nothing was missing. Because of the need to use FIFO, the cost basis of the gifted ...
by kenschmidt
Sat Oct 29, 2016 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Complex cost basis question for gifted and inherited stock
Replies: 19
Views: 1003

Re: Complex cost basis question for gifted and inherited stock

p.s. All of the shares were held in book form by the time the gift occurred.
by kenschmidt
Sat Oct 29, 2016 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Complex cost basis question for gifted and inherited stock
Replies: 19
Views: 1003

Re: Complex cost basis question for gifted and inherited stock

Thank you for all of responses. I do have all of the transaction detail and entered it into Quicken to track the cost basis (I used a separate Quicken file for just the P&G stock). I do have all of the splits accounted for and each dividend as well. The Smuckers stock was kept in his account and...
by kenschmidt
Sat Oct 29, 2016 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Complex cost basis question for gifted and inherited stock
Replies: 19
Views: 1003

Complex cost basis question for gifted and inherited stock

I have a complex cost basis question for stock that has been both gifted and inherited. Here is the basic situation (used rounded share amounts but they are all in the ballpark): - father in law purchased 30 shares of P&G in 1984 - by the mid 2000s, this had grown to 700 shares due to reinvested...
by kenschmidt
Fri Oct 28, 2016 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Spent too much?
Replies: 31
Views: 6126

Re: Spent too much?

The past is gone, let it go, you cannot change it. Luckily, you are still very young, have a good income, and have time very much still on your side. So put together a disciplined plan to start saving a set amount as many posters indicated above and then just get on with executing that plan. You are...
by kenschmidt
Fri Oct 28, 2016 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Realistic to get annual 10%?
Replies: 38
Views: 3844

Re: Realistic to get annual 10%?

POAGX = Primecap Odyssey This fund is run by the same company that has run Vanguard's Primecap and Capital Opportunity funds with good results. Is 10% going forward achievable? I would tend towards no, not from current market valuations, but no one has any real clue either good or bad. If you are DC...
by kenschmidt
Sun Oct 23, 2016 10:47 am
Forum: Investing - Theory, News & General
Topic: Who disagrees with Jack. . .
Replies: 73
Views: 5428

Re: Who disagrees with Jack. . .

Petrocelli wrote:I don't like his watch.


I suspect he does not care for your taste in music either...
by kenschmidt
Sun Oct 23, 2016 10:16 am
Forum: Investing - Theory, News & General
Topic: Who disagrees with Jack. . .
Replies: 73
Views: 5428

Re: Who disagrees with Jack. . .

I disagree with Mr. Bogle on many things, but on the really important things, I agree with him. His core message is spot on.
by kenschmidt
Sun Oct 23, 2016 9:29 am
Forum: Personal Consumer Issues
Topic: Car dealer "Internet Sales Department" - Useless?
Replies: 58
Views: 5627

Re: Car dealer "Internet Sales Department" - Useless?

Based on my experience, you will get the canned responses but they will contact you, oh yes, they will contact you, by email, by phone, by mail, etc. Have you test driven this car? When I bought my last vehicle, I took a test drive at the closest dealership (also the one that seemed most responsive)...
by kenschmidt
Sat Oct 22, 2016 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Need help. Drowning in debt and worried about the future and retirement
Replies: 243
Views: 20940

Re: Need help. Drowning in debt and worried about the future and retirement

The interest rate, yes, but also because it is your car. You don't want her to flip out and I can see that happening. I just think a conversation such as "honey, we are going to sell your car and you can drive a beater" is not going to go well. I would focus on your side of things first. A...
by kenschmidt
Sat Oct 22, 2016 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Need help. Drowning in debt and worried about the future and retirement
Replies: 243
Views: 20940

Re: Need help. Drowning in debt and worried about the future and retirement

Lots of good advice here, so I will add just one thought. I would tread slowly with getting your wife on board. I know there are a number of the comments about the $27,000 car but looking at it from her perspective, you have brought $170,000 in student loan debt and $700/mo. in child support to the ...
by kenschmidt
Sat Oct 22, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: Samsung Exploding Washing Machines & CPSC Involvement
Replies: 33
Views: 3946

Re: Samsung Exploding Washing Machines & CPSC Involvement

I have an affected washer; I've already had to replace the main control board and it is only 3 years old. Now this. Much less inclined to buy Samsung products now which is the true cost of this type of situation for Samsung in my opinion.
by kenschmidt
Fri Oct 21, 2016 6:02 pm
Forum: Personal Consumer Issues
Topic: Preferred "disk cloning" software?
Replies: 33
Views: 2107

Re: Preferred "disk cloning" software?

Another vote for Acronis
by kenschmidt
Thu Oct 20, 2016 7:55 pm
Forum: Investing - Theory, News & General
Topic: How the Internet Destroyed Actively Managed Funds
Replies: 24
Views: 2564

Re: Michael Kitces, "How the Internet Destroyed Actively Managed Mutual Funds"

pkcrafter wrote:
Michael Kitces, "How the Internet Destroyed Actively Managed Mutual Funds"

Nah, the internet may have helped a bit, but it was the Bogleheads. :sharebeer :mrgreen:

Paul


If you think about it, I don't think the Bogleheads would have existed without the internet.
by kenschmidt
Tue Oct 18, 2016 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Should I stop watching my investments? Negative ROI feels bad.
Replies: 48
Views: 3392

Re: Should I stop watching my investments? Negative ROI feels bad.

I will point out that you have lost $17. I remember my first investment with Vanguard; similar circumstances as you, having just graduated from college. I invested $3000 in a Vanguard fund and it promptly dropped $150 within a week. I felt much the same as you do now, but I told myself, no, you said...
by kenschmidt
Fri Oct 14, 2016 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Someone else's check got cleared from my Checking Account
Replies: 65
Views: 5205

Re: Someone else's check got cleared from my Checking Account

Question for OP-- why would you trust the bank to check their own work a second time? If they use the same method-- presumably they would get the same results. Wouldn't you want to check it? Going forward--do you think you will reconcile your account? No, I do not see the need for me to manually cr...
by kenschmidt
Fri Oct 14, 2016 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Are you rich? An article by Jonathan Clements
Replies: 19
Views: 6497

Re: Are you rich? An article by Jonathan Clements

I try to remember if that I have a roof over my head, enough food to eat for the day, and don't fear for my life due to war or violence, I am richer than many, maybe most of the people of the world. It is a good article with good points though in terms of what we have come to expect in a stable and ...
by kenschmidt
Fri Oct 14, 2016 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Someone else's check got cleared from my Checking Account
Replies: 65
Views: 5205

Re: Someone else's check got cleared from my Checking Account

This is your responsibility to monitor. That's why a statement is issued. You are part of the reconciliation process and the bank can't realistically fill this role for you.
by kenschmidt
Fri Oct 14, 2016 9:32 am
Forum: Investing - Theory, News & General
Topic: Cliff Asness - Turning Over Accepted Wisdom with Turnover
Replies: 29
Views: 2609

Re: Cliff Asness - Turning Over Accepted Wisdom with Turnover

But to state the simple fact, over the last 10 years or so, LC, MC, and SC cap weighted index funds have outperformed about 80+% of their non-cap weighted peers. One can always find some funds with alternate approaches such as active management or factor investing that outperform comparable indexes...
by kenschmidt
Thu Oct 13, 2016 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off car by selling VTSAX? Need help deciding
Replies: 23
Views: 2653

Re: Should I pay off car by selling VTSAX? Need help deciding

4. In fact I would borrow as much money at .99% as anyone is willing to lend me. 11k, 111k, 1.11 million, whatever. I ain't afraid of no loan. MArk me as second in line for some of that < 1% money. Hopefully Earl will leave a little for me. Debt is not bad. It is just a tool that can be used well o...
by kenschmidt
Wed Oct 12, 2016 8:35 am
Forum: Personal Consumer Issues
Topic: Is this ER bill normal (medical billing)
Replies: 64
Views: 4641

Re: Is this ER bill normal (medical billing)

Was the $700 billed by the doctor also the insurance negotiated rate? I would say based on experience that $1400 for an emergency room visit is unfortunately pretty typical.
by kenschmidt
Tue Oct 11, 2016 9:57 am
Forum: Personal Consumer Issues
Topic: Trying to Quit Smoking, Buying a Vape
Replies: 21
Views: 1825

Re: Trying to Quit Smoking, Buying a Vape

I don't have a ton of experience with this but know several people that vape and based on things they tell me, I would invest in a box style vape unit rather than the pen style. You will also want a decent tank and coil to go with it. Better overall vaporization is the main benefit. I also know a nu...

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