Search found 2885 matches

by kenschmidt
Thu May 05, 2016 8:34 pm
Forum: Personal Consumer Issues
Topic: discovered delivered furniture damaged
Replies: 4
Views: 336

Re: discovered delivered furniture damaged

I have had this happen with my dining room table and the store sent someone out who went through a multi-step process with to remove the scratch. He said if we weren't happy with the result, the store would replace it but they always try this first. The results were excellent and a really nice piece...
by kenschmidt
Thu May 05, 2016 7:49 am
Forum: Personal Consumer Issues
Topic: Anybody have success reducing memory overhead on windows computers?
Replies: 10
Views: 721

Re: Anybody have success reducing memory overhead on windows computers?

I would also try running MalwareBytes if you haven't yet as I have seen malware also cause this type of issue.
by kenschmidt
Sun May 01, 2016 2:58 pm
Forum: Personal Consumer Issues
Topic: Using Bose Soundlink Mini/Setting up a home audio system (basic)
Replies: 7
Views: 602

Re: Using Bose Soundlink Mini/Setting up a home audio system (basic)

If you bought a Bluetooth capable shelf system, it would still allow you the traditional means of playing CD's and radio while still being able to also stream music from iTunes, etc. You could also buy a relatively inexpensive Bluetooth speaker for times when you wanted to be truly portable.
by kenschmidt
Sun May 01, 2016 10:12 am
Forum: Personal Consumer Issues
Topic: Using Bose Soundlink Mini/Setting up a home audio system (basic)
Replies: 7
Views: 602

Re: Using Bose Soundlink Mini/Setting up a home audio system (basic)

You are looking to cross the old world of wired audio and physical media with the new world of wireless audio and digital media, so it will probably take some creativity or new ways of doing things to get what you want. I think you will want your laptop to be Bluetooth compatible, ideally Bluetooth ...
by kenschmidt
Sat Apr 30, 2016 7:57 pm
Forum: Personal Consumer Issues
Topic: Roof replacement and insurance coverage for hail damage
Replies: 30
Views: 1510

Re: Roof replacement and insurance coverage for hail damage

Have your roof inspected by a reputable roofing company. If you roof is truly damaged, you should definitely make an insurance claim. However if I felt the roofer was providing me with a bogus damage report I would not make the claim. If some of your neighbors are cheating to get new roofs do not j...
by kenschmidt
Fri Apr 29, 2016 8:29 am
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 14629

Re: Stanley Kubrick's 2001 a space odyssey

The main innovation that I don't remember (not even in William Gibson's Neuromance of 1984) is the mobile phone. The original Star Trek had communicators. But we've already gone past them by now. In the 23rd century, they're still using those crummy flip phones? :shock: What they needed to do was t...
by kenschmidt
Thu Apr 28, 2016 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Early Retirement -What to do with my MANAGED Funds
Replies: 6
Views: 837

Re: Early Retirment -What to do with my MANAGED Funds

What are the managed funds? That will be relevant to your decision; if they are relatively low cost active funds, it might make sense to transition out of them more slowly; are very high cost, you may want to move more quickly.
by kenschmidt
Wed Apr 27, 2016 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Just leave mom's annuity money?
Replies: 7
Views: 867

Re: Just leave mom's annuity money?

Annuities don't pay 4.5% as a return on investment because they keep your original principal. That is not true for an annuity in a 403(b) account. A 403(b) is a retirement account, similar to a 401(k) but for public education institutions or non-profits. The principal belongs to the account owner f...
by kenschmidt
Mon Apr 25, 2016 8:50 pm
Forum: Personal Consumer Issues
Topic: Who's used Extended Stay hotels?
Replies: 27
Views: 2181

Re: Who's used Extended Stay hotels?

Homewood Suites (Hilton) or Residence Inn (Marriott) are both very nice - typically equipped with full size fridge, an oven and cooktop, microwave, kitchen eating area, living area and separate bedroom. They are more like an apartment than a hotel room. They also have social activities during the we...
by kenschmidt
Mon Apr 25, 2016 8:40 pm
Forum: Personal Consumer Issues
Topic: Best drill/driver for home use
Replies: 66
Views: 3885

Re: Best drill/driver for home use

I bought a DeWalt 20v Lithium Drill that I have been very happy with:

http://www.amazon.com/DEWALT-DCD771C2-L ... B00ET5VMTU
by kenschmidt
Sat Apr 23, 2016 12:29 pm
Forum: Investing - Theory, News & General
Topic: Every DFA fund (ex-S&P 500) has underperformed the S&P 500 for the past decade
Replies: 101
Views: 7104

Re: Every DFA fund (ex-S&P 500) has underperformed the S&P 500 for the past decade

The last time I remember value doing this poorly was 1999-2000. I also remember what happened after that. I think it is perfectly reasonable to decide to follow a value strategy. I also believe it is perfectly reasonable to stick with a core TSM strategy. Where trouble starts is when people switch b...
by kenschmidt
Fri Apr 22, 2016 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: CapOne360 Jt Acct ------->Revocable Living Trust
Replies: 8
Views: 635

Re: CapOne360 Jt Acct ------->Revocable Living Trust

I would list both you and your partner in both the grantor and trustee roles - i.e., John Doe & Jane Doe. If it is asking for a taxid (which for a revocable trust is an SSN of one of the grantors), you can just pick one of the two. If you file a joint return, it doesn't really matter which you p...
by kenschmidt
Tue Apr 19, 2016 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Why am I still scared ? Is it actually normal ?
Replies: 59
Views: 6573

Re: Why am I still scared ? Is it actually normal ?

A book that really helped me with worry is Dale Carnegie's "How to Stop Worrying and Start Living".

I think it is very normal to worry but it can be managed and you will be better for it.
by kenschmidt
Tue Apr 19, 2016 9:17 am
Forum: Personal Consumer Issues
Topic: turntable for playing old records
Replies: 9
Views: 693

Re: turntable for playing old records

Highly recommend the AudioTechnica turntables which you can buy on Amazon. And as you'll see, the reviews back them up: http://www.amazon.com/s/ref=nb_sb_ss_sc_0_18?url=search-alias%3Daps&field-keywords=audio+technica+turntable&sprefix=audiotechnica+turn%2Caps%2C123 We've had ours for about...
by kenschmidt
Sat Apr 16, 2016 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: HELP! HR Doesn't Believe in Index Funds for 401k
Replies: 64
Views: 5355

Re: HELP! HR Doesn't Believe in Index Funds for 401k

Rather than try to argue the merits of index vs. active, which they clearly do not want to do, maybe you could take the approach of given the prevalence of index funds in the current investing market, perhaps the committee would consider providing index choices in international investing and investm...
by kenschmidt
Sat Apr 16, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: Coin Collecting (will coins increase or decrease in value?)
Replies: 36
Views: 3066

Re: Coin Collecting (will coins increase or decrease in value?)

I am not sure all baseball cards are declining in value; just the more recent issues. Coins are somewhat similar. Anything made after the early 60's is not going to be worth much. I buy a proof set and an uncirculated set every year, but I buy them because I enjoy it, not because they will be worth ...
by kenschmidt
Sat Apr 16, 2016 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Postnuptial agreement for Physician
Replies: 94
Views: 6230

Re: Postnuptial agreement for Physician

You are right, it probably wouldn't be fair if you saved and saved and saved and got blindsided by a divorce at just the worst possible time for your goals in life. I have learned over time that life is not always fair. But being in a marriage requires a huge leap of faith with the one you love that...
by kenschmidt
Sat Apr 16, 2016 11:26 am
Forum: Personal Finance (Not Investing)
Topic: VA Medical Benefits
Replies: 13
Views: 1492

Re: VA Medical Benefits

My experience in helping my father-in-law and veteran with his finances is that if you can afford part B, D and Medigap, you will be means tested out of any VA benefits. The income threshold is pretty low for qualifying for VA benefits as a general rule. I don't really know how the level of care com...
by kenschmidt
Thu Apr 14, 2016 9:01 am
Forum: Personal Consumer Issues
Topic: Sport players Cards (Football, Baseball, Basketball), anyone collect?
Replies: 52
Views: 3603

Re: Sport players Cards (Football, Baseball, Basketball), anyone collect?

@stevewolfe, what would you grade the first Bob Lilly example? Based on PSA's scale - without seeing the back - I'd think it's a 3, possibly a 4 based on measuring the centering, but likely a 3. The description of a PSA 3 is: "VG 3: Very Good A PSA VG 3 card reveals some rounding of the corner...
by kenschmidt
Wed Apr 13, 2016 8:47 pm
Forum: Personal Consumer Issues
Topic: Sport players Cards (Football, Baseball, Basketball), anyone collect?
Replies: 52
Views: 3603

Re: Sport players Cards (Football, Baseball, Basketball), anyone collect?

@stevewolfe, what would you grade the first Bob Lilly example?
by kenschmidt
Wed Apr 13, 2016 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Social Sec Web Login
Replies: 7
Views: 687

Re: Social Sec Web Login

Call SSA for help. Make sure you block off some time before you call as wait times often run 30-45 minutes and up. True, but do they still offer to call you back at a later time? At least you don't have to stay on the line all that time. They do still offer that depending on wait times I think but ...
by kenschmidt
Wed Apr 13, 2016 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Inherited Real Estate, Three Beneficiaries, and Plots
Replies: 11
Views: 1056

Re: Inherited Real Estate, Three Beneficiaries, and Plots

Who is the executor of the estate? Is there a will? If there are instructions for disposing of assets after the father's death, those take precedence. Unless the father specifically directed that the course of action is what the brother proposes, all your friend really needs to do is say no unless t...
by kenschmidt
Tue Apr 12, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: The Lawn vs. The Homeowner (guess who's winning)
Replies: 59
Views: 5302

Re: The Lawn vs. The Homeowner (guess who's winning)

I think your choice is to either use some chemicals or go a more natural route as others suggested. I use chemicals on my lawn but try to minimize impact. I use a pre-emergent herbicide in the spring to prevent weeds from germinating from seed. Since my yard is largely weed free, I only spot treat w...
by kenschmidt
Mon Apr 11, 2016 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Social Sec Web Login
Replies: 7
Views: 687

Re: Social Sec Web Login

HueyLD wrote:Call SSA for help.


Make sure you block off some time before you call as wait times often run 30-45 minutes and up.
by kenschmidt
Mon Apr 11, 2016 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Help please - Vanguard money market causes Quicken to be incorrect
Replies: 14
Views: 1233

Re: Help please - Vanguard money market causes Quicken to be incorrect

I am not sure if this is the problem you are seeing, but in my instance, I have three investment type funds in a Vanguard account, along with a money market fund. They all have the same account number, so Quicken wants to tie them all to a single account in Quicken. However, I want the money market ...
by kenschmidt
Mon Apr 11, 2016 8:45 am
Forum: Personal Consumer Issues
Topic: Sport players Cards (Football, Baseball, Basketball), anyone collect?
Replies: 52
Views: 3603

Re: Sport players Cards (Football, Baseball, Basketball), anyone collect?

I have a complete set of 1973 Topps Baseball cards (660 cards plus many duplicates). I had collected these when I was a kid, buying the old wax packs with the gum that would shatter like glass if you dropped it. It was probably 80-90% complete and in a box in my basement; I finished it out about 10 ...
by kenschmidt
Sun Apr 10, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Honda Odyssey
Replies: 41
Views: 3181

Re: Honda Odyssey

Wee have a 2014 EX and it has been just great. I love the fold down flat third row seat which makes it very easy to haul lots of cargo on a vacation trip or a trip to the home improvement store. Quiet and plenty of power too; we push 30 mpg on highway driving. It is very well thought out, with every...
by kenschmidt
Sun Apr 10, 2016 10:31 am
Forum: Personal Consumer Issues
Topic: Van vibration problem - any car experts?
Replies: 14
Views: 745

Re: Van vibration problem - any car experts?

Might want to check that the engine mounts are all tight. I once had an odd vibration, only at specific speed, but had a spark plug change requiring the engine to be moved, just previous. The shop just tightened the bolts holding the engine, and that was that. I read about the engine mounts recentl...
by kenschmidt
Fri Apr 08, 2016 7:49 am
Forum: Personal Consumer Issues
Topic: Any experience with Hyatt Legal Plans for funding a trust?
Replies: 2
Views: 188

Re: Any experience with Hyatt Legal Plans for funding a trust?

If I am understanding your post correctly, so long as the trust was legally recorded, funding it is just a matter of retitling assets to the trust. You should be able to contact each financial institution you have accounts with to determine the process for doing this - usually a form to fill out and...
by kenschmidt
Sun Apr 03, 2016 9:35 pm
Forum: Personal Consumer Issues
Topic: Can someone recommend headphones?
Replies: 8
Views: 890

Re: Can someone recommend headphones?

In ear: Panasonic RPHJE-120 - $10 or less
Over ear: Audio Technica ATH-M30x - around $60
by kenschmidt
Sun Apr 03, 2016 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with CapitalOne?
Replies: 28
Views: 2041

Re: Experience with CapitalOne?

Happy with both my CapitalOne Quicksilver Visa and and my 360 Savings Account. No complaints.
by kenschmidt
Sun Apr 03, 2016 10:55 am
Forum: Personal Consumer Issues
Topic: Cars with low profile tires
Replies: 23
Views: 1591

Re: Cars with low profile tires

What tires are currently on your A3? In the A4 example given above, I wouldn't consider a 55 low profile (my Camry uses 55 aspect tires and it's not a performance car). So if you are running something like that, it is probably the car as much as the tires. However, if you have something like a 45, y...
by kenschmidt
Sun Apr 03, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Point-of-sale card terminals now offering only ≥$10 cash back choice: everywhere?
Replies: 7
Views: 483

Re: Point-of-sale card terminals now offering only ≥$10 cash back choice: everywhere?

My guess is that no one asked for just $5 cash back - the notable exception being you of course - and so banks began eliminating that as an option because no one ever used it. There was probably some study done or it was a major topic of conversation at the last banking convention perhaps. I wonder ...
by kenschmidt
Sat Apr 02, 2016 6:16 pm
Forum: Personal Consumer Issues
Topic: Emergency Visit Bill
Replies: 28
Views: 2914

Re: Emergency Visit Bill

My guess is that you switched from a traditional plan with co-pays to a high deductible plan without co-pays where you pay for everything until your deductible is reached. I used to have a $150 co-pay for emergency room visits but switched to a high deductible plan at the beginning of last year. Of ...
by kenschmidt
Sun Mar 27, 2016 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Sell Coins
Replies: 2
Views: 611

Re: Sell Coins

The 1845 Large Cent is worth $20-40 in average condition. The proof nickels are worth $2-3 each unless they are older than 1960 or so. The 1964 mint set is worth about $30. You would probably get half that amount if you took them to a coin store; you could probably net close to that amount if you so...
by kenschmidt
Tue Mar 22, 2016 8:09 am
Forum: Forum Issues and Administration
Topic: Why isn't there a bogleheads app
Replies: 20
Views: 2281

Re: Why isn't there a bogleheads app

Bogleheads runs on PhPBB, which is open source forum software. The open source community for PhPBB has chosen to focus on the core product and not on mobile; there is a mobile skin which makes the posting experience better on smaller devices. I agree in general with the browser focused approach with...
by kenschmidt
Tue Mar 22, 2016 8:00 am
Forum: Personal Consumer Issues
Topic: Replace auto wiper blades vs inserts
Replies: 31
Views: 2627

Re: Replace auto wiper blades vs inserts

I used to do inserts but have trouble finding them without going to the dealer, so I have started buying the full replacement blades instead. I bought an expensive set of Bosch and was unimpressed but lately have bought the Michelin brand at Wal-Mart and see why they are a Consumer Reports Best Buy ...
by kenschmidt
Sun Mar 20, 2016 4:36 pm
Forum: Personal Consumer Issues
Topic: Dishwasher recommendation.
Replies: 44
Views: 3055

Re: Dishwasher recommendation.

You will see a lot of recommendations here for Bosch, some for Miele and scattered recommendations for other brands as well. We have a Bosch that we are pretty pleased with overall; I have heard mixed reviews on their Ascenta line, which is the entry level / least expensive they sell. We bought a 5...
by kenschmidt
Fri Mar 18, 2016 6:48 pm
Forum: Personal Consumer Issues
Topic: Dishwasher recommendation.
Replies: 44
Views: 3055

Re: Dishwasher recommendation.

You will see a lot of recommendations here for Bosch, some for Miele and scattered recommendations for other brands as well. We have a Bosch that we are pretty pleased with overall; I have heard mixed reviews on their Ascenta line, which is the entry level / least expensive they sell. We bought a 50...
by kenschmidt
Fri Mar 18, 2016 10:31 am
Forum: Personal Consumer Issues
Topic: Well...Identity theft...
Replies: 29
Views: 3599

Re: Well...Identity theft...

I would assume that whomever did this also has access to your credit report as well. In order to register with social security on line, you have to be able to provide your SSN, date of birth, name and current address. THEN you have to answer 5 questions regarding past credit (where was your mortgag...
by kenschmidt
Thu Mar 17, 2016 4:28 pm
Forum: Personal Consumer Issues
Topic: Well...Identity theft...
Replies: 29
Views: 3599

Re: Well...Identity theft...

I would assume that whomever did this also has access to your credit report as well. In order to register with social security on line, you have to be able to provide your SSN, date of birth, name and current address. THEN you have to answer 5 questions regarding past credit (where was your mortgage...
by kenschmidt
Wed Mar 16, 2016 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: HELP! Didn't deduct state income taxes
Replies: 11
Views: 1252

Re: HELP! Didn't deduct state income taxes

Yes, you can file a 1040X (Amended Return) right in TurboTax. It is actually easier than it sounds. You will have to print the amended return and mail it to the IRS.
by kenschmidt
Wed Mar 16, 2016 12:19 pm
Forum: Personal Consumer Issues
Topic: Old Paint Job New Promise [Auto paint warranty coverage]
Replies: 14
Views: 1444

Re: Old Paint Job New Promise [Auto paint warranty coverage]

My understanding is that in almost all cases, it is not the paint or clear coat that is defective but rather the process followed in applying it. There are very specific sequence, condition and timing requirements to allow the paint to properly cure before the clear coat is applied or else the clear...
by kenschmidt
Wed Mar 16, 2016 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Ebay question
Replies: 14
Views: 1356

Re: Ebay question

Which shipping fees will they not refund, original shipping fees or your return shipping fees?
by kenschmidt
Tue Mar 15, 2016 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Ebay question
Replies: 14
Views: 1356

Re: Ebay question

I believe accepting the cancel will refund the money automatically. You just need to make sure the amount includes original shipping.
by kenschmidt
Tue Mar 15, 2016 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Ebay question
Replies: 14
Views: 1356

Re: Ebay question

I think the best bet is to contact the seller and ask them. Sellers get absolutely killed on bad feedback in terms of eBay fee discounts lost, so they will tend to go out of their way to accommodate you. That has typically been my experience. If the seller becomes difficult and you truly believe tha...
by kenschmidt
Tue Mar 15, 2016 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Family Trust and Death of First Trustee
Replies: 10
Views: 1091

Re: Family Trust and Death of First Trustee

Thanks for the input, everyone - very helpful. A few call outs: - reading the trust, it appears that the intent is to not dissolve after the death of the first trustee - tax reporting is an excellent point - didn't think about that - reading the trust, the siblings are successor trustees with POA gi...
by kenschmidt
Tue Mar 15, 2016 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Ebay question
Replies: 14
Views: 1356

Re: Ebay question

I believe if they cancel the transaction, you will receive your original purchase price plus original shipping. Typically, the seller's return policy will specify this as well - seller accepts returns, buyer pays return shipping. By canceling the transaction, the seller will be able to recoup the eB...
by kenschmidt
Tue Mar 15, 2016 5:34 pm
Forum: Personal Consumer Issues
Topic: Old Paint Job New Promise [Auto paint warranty coverage]
Replies: 14
Views: 1444

Re: Old Paint Job New Promise [Auto paint warranty coverage]

Is this a state law? Or federal law? I recently had clear coat fail on a repair job, again by a quality shop. I got them to give me a big discount but did end up having to lay out some cash.
by kenschmidt
Tue Mar 15, 2016 6:39 am
Forum: Personal Finance (Not Investing)
Topic: Family Trust and Death of First Trustee
Replies: 10
Views: 1091

Re: Family Trust and Death of First Trustee

Thank you, dpc. There are two of my wife's siblings set up as successors but we are not to that point yet as mom is still able to function as the remaining trustee.

Thanks again.

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