Search found 2906 matches

by kenschmidt
Tue May 31, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: weeds, trees and managing large lawns
Replies: 13
Views: 1096

Re: weeds, trees and managing large lawns

2,4-d type chemicals should not harm established trees and bushes if care is taken not to get the material (either spray or granular) on the foliage. You are going to probably have to do some form of widespread treatment if you want to get control over things. Just give the landscaped and tree areas...
by kenschmidt
Tue May 31, 2016 8:05 am
Forum: Investing - Theory, News & General
Topic: Do you own Vanguard actively managed Equity funds?
Replies: 48
Views: 3457

Re: Do you own Vanguard actively managed Equity funds?

No imagination...just facts... 10 Year Returns from Vanguard Site One can pick any number of active funds that outperform over the period. Recency bias and all that. This always puzzles me. If most any other active fund is mentioned, then the hue and cry goes up about "past returns don't guara...
by kenschmidt
Mon May 30, 2016 7:31 pm
Forum: Personal Consumer Issues
Topic: Question about Coin Collection
Replies: 15
Views: 859

Re: Question about Coin Collection

My thoughts are pretty well in line with prudent and hollowcave. If you are really enjoying what you collect and have a handle on what you are spending, then I don't see any real reason to not complete your collection. I set a budget for myself when it comes to buying coins; I figure that keeps me h...
by kenschmidt
Thu May 26, 2016 6:34 pm
Forum: Investing - Theory, News & General
Topic: Do you own Vanguard actively managed Equity funds?
Replies: 48
Views: 3457

Re: Do you own Vanguard actively managed Equity funds?

Primecap and Windsor II, purchased in 1998.

I wanted to split large growth and large value 50/50. Vanguard's large cap index offerings at the time basically split the S&P 500 into two, so buying these to together was like buying the S&P 500 - it offered little value exposure.
by kenschmidt
Thu May 26, 2016 2:07 pm
Forum: Personal Consumer Issues
Topic: Real price for a new car
Replies: 51
Views: 3365

Re: Real price for a new car

Carsdirect.com is another useful data point:

http://www.carsdirect.com/chrysler/300

They show final price of $27,606. You could probably do a little better with some negotiation but that is a ballpark at least.
by kenschmidt
Sun May 22, 2016 1:33 pm
Forum: Personal Consumer Issues
Topic: WW2 Books & Education
Replies: 91
Views: 2898

Re: WW2 Books & Education

A good overview: The Second World War, Antony Beevor Some of my personal favorites: Citizen Soldiers, Stephen Ambrose Band of Brothers, Stephen Ambrose The Good War, Studs Terkel WIth the Old Breed, At Peleliu and Okinawa - E.B. Sledge Guadalcanal Diary, Richard Tregaskis Night, Elie Wiesel Soldat, ...
by kenschmidt
Sat May 21, 2016 9:59 am
Forum: Personal Finance (Not Investing)
Topic: MIL selling Her Sister's House; How to gift the proceeds
Replies: 9
Views: 791

Re: MIL selling Her Sister's House; How to gift the proceeds

You may be able to pre-pay funeral expenses out of the $80,000. Here is a good article that addresses this as well as the basics of Medicaid spend down rules: http://www.elderlawanswers.com/prepaid-funeral-arrangements---an-important-part-of-medicaid-planning-3134 MIL's sister will need to qualify f...
by kenschmidt
Tue May 17, 2016 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer small portion of (Trad.) IRA assets to annuity, now?
Replies: 12
Views: 712

Re: Transfer small portion of (Trad.) IRA assets to annuity, now?

I think what you are missing is that when you decide to annuitize, that is the point that the company will look at your current age, current mortality tables, and discount / interest rate to decide what monthly payment can be provided. I don't believe you can "lock in" anything; the annuit...
by kenschmidt
Tue May 17, 2016 8:12 pm
Forum: Personal Consumer Issues
Topic: garden hose
Replies: 29
Views: 1772

Re: garden hose

I just bought the most expensive hoses I could find at Home Depot; I keep them on hose winders and have been using the same hoses regularly since 1998. The cheaper hoses tend to kink but a good quality hose holds its shape much better. I have occasionally replaced the nozzle ends with repair kits as...
by kenschmidt
Sun May 15, 2016 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 20946

Re: Rich But Middle Class

There are so many things that could be said, but I will just settle on a few. Realize that you are fabulously wealthy but don't feel that way because the people around you are (or seem) even more fabulously wealthy. They could be in debt up to their eyeballs but you just don't know. So, just let tha...
by kenschmidt
Sat May 14, 2016 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Renegotiating 3 year contract with balloon payoff and seller breach
Replies: 9
Views: 1627

Re: Renegotiating 3 year contract with balloon payoff and seller breach

Not an attorney, but I would treat these for the time being as two separate issues. If they can eventually be merged into a settlement that works for both parties, great. But in the interim, the original agent has breached the contract and I would pursue that with an attorney - the end goal being to...
by kenschmidt
Fri May 13, 2016 7:20 am
Forum: Investing - Help with Personal Investments
Topic: Did I just mess up?
Replies: 11
Views: 1618

Re: Did I just mess up?

I don't think you messed up. TR 2045 is about 55% Total Stock Index, 35% Total Intl Index and 10% Total Bond / Total Intl Bond. The relative share prices are pretty irrelevant here; you are investing in index funds that track the market as a whole, so the price simply reflects that. In effect, what ...
by kenschmidt
Thu May 12, 2016 3:02 pm
Forum: Investing - Theory, News & General
Topic: Morningstar X-Ray?
Replies: 6
Views: 1438

Re: Morningstar X-Ray?

17% of your stock allocation falls into the Large Value category, 18% in Large Core, etc. The Value - Core - Growth is based on book value / market value I believe while the size is market cap based (I forget the exact breakpoints). You might do a X-Ray on Total Stock Market Index to see how your po...
by kenschmidt
Thu May 12, 2016 8:21 am
Forum: Personal Consumer Issues
Topic: One Week "Sabbatical"
Replies: 43
Views: 4349

Re: Did someone say beer?

22twain wrote:
daveatca wrote:Asheville, NC

Ah, you beat me to it!

Or go further west towards the tip of NC. Rafting in the Nantahala Gorge, etc.


Another vote for Team Ashville!
by kenschmidt
Wed May 11, 2016 8:33 pm
Forum: Personal Consumer Issues
Topic: Uncooperative insurance company: my car was hit and run.
Replies: 13
Views: 2448

Re: Uncooperative insurance company: my car was hit and run.

Yes, you should have contacted your insurance company as soon as this happened. I would contact them now.
by kenschmidt
Tue May 10, 2016 6:12 pm
Forum: Personal Consumer Issues
Topic: 30 minute commute?
Replies: 80
Views: 6885

Re: 30 minute commute?

I've been doing 30 minutes each way since 1991 and it's no big deal to me. Part of this is a factor of where I want to live; I'd have to move to be closer to the job centers in my city and I'd rather drive to work than be away from friends and family.
by kenschmidt
Tue May 10, 2016 6:08 pm
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 4619

Re: Noise Reduction

I have LIVED this. We built our first house backing to a two lane road. I had no experience with road noise. Suddenly I did. Our first night in our first house and I was wondering how long until I could convince my new wife to move. Been there, done that! Over 20 years ago and it still hits a nerve...
by kenschmidt
Tue May 10, 2016 10:31 am
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 4619

Re: Noise Reduction

My first house overlooked a creek and a road that ran along side of it. I could hear traffic noise as well and it really bothered me. Although I was able to do a few things to mitigate the noise and I adjusted to it somewhat, it never went away and my ultimate solution was to move to my current hous...
by kenschmidt
Mon May 09, 2016 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Comparing Oakmark to SP 500 - Why Do Graphs Look Different?
Replies: 6
Views: 459

Re: Comparing Oakmark to SP 500 - Why Do Graphs Look Different?

The costs are built into the daily NAV (price). The expense ratio includes both the fund management costs and the trading costs related to the somewhat higher turnover of the Oakmark fund. So the performance indicated by the Morningstar chart indicates what an investor would have actually received.
by kenschmidt
Sun May 08, 2016 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Quicken 2016?
Replies: 21
Views: 2183

Re: Alternatives to Quicken 2016?

I am using Quicken Deluxe 2016 without any issues. I got it with Turbo Tax Deluxe in a bundle for $50 for both; Quicken Deluxe 2016 is $30 on Amazon at the moment.

Do you really need or use the features of Premiere?
by kenschmidt
Fri May 06, 2016 8:34 am
Forum: Investing - Theory, News & General
Topic: The keys to improving the odds of active management success
Replies: 12
Views: 874

Re: The keys to improving the odds of active management success

I went to Vanguard Funds List, set the filters for Stock, Large-Cap, Value, Active, Investor shares Equity Income, VEIPX, 7.63%. U. S. Value, VUVLX, 5.73%. Windsor, VWNDX, 5.22% Windsor II, VWINFX, 5.77%, versus Vanguard Value Index, VIVAX, 5.83%. So... the percentage of Vanguard active funds whose...
by kenschmidt
Thu May 05, 2016 8:34 pm
Forum: Personal Consumer Issues
Topic: discovered delivered furniture damaged
Replies: 7
Views: 852

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: 22
Views: 1953

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: 692

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: 692

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: 1641

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: 15624

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: 968

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: 921

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: 2397

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: 67
Views: 4458

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: 7727

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: 696

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: 6999

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: 728

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: 5758

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: 3350

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: 6686

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: 1580

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: 3741

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: 3741

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: 725

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: 1092

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: 5631

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: 725

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: 1256

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: 3741

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: 3367

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: 784

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: 205

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...

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