Search found 3035 matches

by kenschmidt
Mon Sep 26, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: Three Full Days in Asheville, NC - Help for First Timers
Replies: 26
Views: 1485

Re: Three Full Days in Asheville, NC - Help for First Timers

Chimney Rock State Park
Linville Falls trail (off of Blue Ridge Parkway)
Biltmore
by kenschmidt
Mon Sep 26, 2016 8:27 am
Forum: Personal Consumer Issues
Topic: TV question
Replies: 8
Views: 556

Re: TV question

Sounds to me like it is in the process of biting the dust. It is a shame that manufacturers ship [your favorite word here] like this. It is a shame that appliances and electronics have become short term consumables.
by kenschmidt
Thu Sep 22, 2016 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Big 4 Partners - Salary/Risk Worth it?
Replies: 21
Views: 3688

Re: Big 4 Partners - Salary/Risk Worth it?

My experience goes back pretty long ago to when it was still the Big-8. I won't repeat the comments around long hours, travel, strain on family and personal life except to say I also saw and heard that frequently. What I will add is that not everyone who wants to become partner gets to become partne...
by kenschmidt
Thu Sep 22, 2016 2:11 pm
Forum: Personal Consumer Issues
Topic: Advice on Smoke Detectors
Replies: 14
Views: 1188

Re: Advice on Smoke Detectors

I wouldn't. Also: "The International Association of Fire Fighters (IAFF) – the largest firefighters union in the U.S. and Canada – recommends photoelectric smoke detectors. During their 2008 conference, the IAFF adopted an official position recommending only photoelectric smoke alarms and stat...
by kenschmidt
Sun Sep 18, 2016 10:11 am
Forum: Personal Consumer Issues
Topic: 2016 Honda Odyssey - which model?
Replies: 37
Views: 2398

Re: 2016 Honda Odyssey - which model?

When we bought an Odyssey in 2014, we went with the EX model. The LX model was too Spartan for our taste. If we had wanted leather, we would have gone for the EX-L but my wife likes cloth interior. I don't really want entertainment or navigation systems built in. I like to keep vehicles a long time ...
by kenschmidt
Sat Sep 17, 2016 10:55 am
Forum: Investing - Theory, News & General
Topic: The coming municipal bond crisis
Replies: 51
Views: 7053

Re: The coming municipal bond crisis

Is this the same municipal bond crisis that has been coming for the past 4-5 years or is this a new one? I've been reading about coming crises for quite some time now, from rising interest rate crises to municipal bond crises to equity valuation crises, etcetera, etcetera, etcetera. Nobody knows not...
by kenschmidt
Wed Sep 14, 2016 8:23 pm
Forum: Personal Consumer Issues
Topic: Refrigerator issues - Temperature & Other
Replies: 22
Views: 1509

Re: Refrigerator issues - Temperature & Other

This is why I haven't replaced my 1992 GE in spite of it being a relative energy hog. Still works great, including water and ice dispenser. When it comes to appliances, they aren't what they used to be (I.e., reliable).
by kenschmidt
Tue Sep 13, 2016 7:09 pm
Forum: Personal Consumer Issues
Topic: iOS 10 available today
Replies: 44
Views: 3021

Re: iOS 10 available today

iOS 9 is the end of the road for my iPad 2. IOS 8 just killed the performance on my wife's iPad 2. So much so that I had to get her an iPad Air 2. My iPod Touch (5th gen) doesn't seem to be supported. My iPhone 5S and iPad mini 3 are supported but I'm going to wait to upgrade. They're working reall...
by kenschmidt
Tue Sep 13, 2016 7:05 pm
Forum: Personal Consumer Issues
Topic: iOS 10 available today
Replies: 44
Views: 3021

Re: iOS 10 available today

iOS 9 is the end of the road for my iPad 2. How's it doing? I stopped upgrading mine at 7 and it's quite slow now. I want to try iOS 10, but not getting the update yet. Anyone know any tricks to getting it sooner? (hopefully simple ones not involving a lot of downloading) It is not ideal but I've d...
by kenschmidt
Tue Sep 13, 2016 6:44 pm
Forum: Personal Consumer Issues
Topic: iOS 10 available today
Replies: 44
Views: 3021

Re: iOS 10 available today

iOS 9 is the end of the road for my iPad 2.
by kenschmidt
Mon Sep 12, 2016 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Education cost and kids
Replies: 64
Views: 4505

Re: Education cost and kids

My parents paid for my education at State U and so I want to be able to do the same for my kids. Son #1 is in his second year and doing well; son #2 is a good student in high school, with AP classes and classes for college credit, so I expect him to be successful as well. They know the deal is for S...
by kenschmidt
Sun Sep 11, 2016 1:09 pm
Forum: Personal Consumer Issues
Topic: map frustration
Replies: 76
Views: 3838

Re: map frustration

Nearing_Destination wrote:What Kenschmidt? You don't remember paper tape ? ( origin of the "bootstrap code") -- then it was punch cards and mag tape and RL02 drives and.......


I started in programming in the Cretaceous period. Practically a baby. :D
by kenschmidt
Sun Sep 11, 2016 11:14 am
Forum: Personal Consumer Issues
Topic: map frustration
Replies: 76
Views: 3838

Re: map frustration

(How many of you were programming computers in the 1960s? Still think I'm technology phobic?) I have no smart phone. i have no television. Life is better. I remember when I first started programming, I punched cards (this was in school so we did not have a Keypunch Department). Chunk, chunk, chuck,...
by kenschmidt
Sun Sep 11, 2016 10:47 am
Forum: Personal Consumer Issues
Topic: Toyota, Honda, Nissan or Chrysler Minivan?
Replies: 43
Views: 3910

Re: Toyota, Honda, Nissan or Chrysler Minivan?

We had a 2003 Caravan that was overall a really great vehicle. Other than a failed transmission at around the 10 year mark, it required very little unscheduled maintenance. Our model had the quad captain's style seating which was very comfortable for family vacations. The rear bench seat was over 10...
by kenschmidt
Thu Sep 08, 2016 3:13 pm
Forum: Personal Consumer Issues
Topic: Emergency SmartPhone for a 90+ year old
Replies: 41
Views: 2375

Re: Emergency SmartPhone for a 90+ year old

When we tried this with my in laws, since they didn't really use the phone regualarly, they never remembered to charge it or where they left it since "why would they want to carry something like that around all the time..."
by kenschmidt
Thu Sep 08, 2016 2:57 pm
Forum: Personal Consumer Issues
Topic: Confederate Money (where to sell)
Replies: 29
Views: 2182

Re: Confederate Money (where to sell)

I think EBay has flattened the market for collectibles that aren't particularly rare. Own an early 60s, pristine Ferrari? Yeah, you can probably sell it for big dollars in any number of ways. Own some paper currency that was printed in large quantities ~155 years ago, and much of which seems to hav...
by kenschmidt
Thu Sep 08, 2016 1:44 pm
Forum: Personal Consumer Issues
Topic: Ransomware alert
Replies: 54
Views: 4917

Re: Ransomware alert

I personally have two encrypted external drives that get unmounted after the backup. I also unplug the USB cable between backups. One stays at home, one stays in my personal, locked cabinet at work. Hi Mudpuppy, Is it necessary to encrypt external backup drives if one does not keep them at work? Th...
by kenschmidt
Wed Sep 07, 2016 5:54 pm
Forum: Personal Consumer Issues
Topic: Confederate Money (where to sell)
Replies: 29
Views: 2182

Re: Confederate Money (where to sell)

There is a huge market for coins and currency on eBay. This is probably your best bet for maximizing value as you will get close to retail pricing. It will require some work on your part, however. A dealer is another option but they will want to make a profit on anything they buy, so expect 40-50% o...
by kenschmidt
Wed Sep 07, 2016 5:47 pm
Forum: Personal Consumer Issues
Topic: How do you handle business cards from fleeting acquaintances?
Replies: 16
Views: 1497

Re: How do you handle business cards from fleeting acquaintances?

There are business card apps you can get that will allow you to take a picture of the card and it will digitize the contact information and index it for later retrieval. You could also connect with them on LinkedIn.
by kenschmidt
Tue Sep 06, 2016 7:44 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 164
Views: 10591

Re: How much is your cell phone bill?

Verizon
4 lines
Unlimited talk and text
4G Data: 6GB shared
Monthly Cost: $131
by kenschmidt
Sun Sep 04, 2016 8:56 am
Forum: Personal Consumer Issues
Topic: Next Weekend Car - Dodge Viper to What?
Replies: 65
Views: 4679

Re: Next Weekend Car - Dodge Viper to What?

Camaro SS Convertible is another option in the Mustang class (also a great car). I think you have to decide if you like the V8 muscle car feel like the Mustang/Chevy/Viper or the high revving European feel like the Porsche.

My biggest problem is that I like both experiences.
by kenschmidt
Sat Sep 03, 2016 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Unethical to chase transfer bonuses?
Replies: 52
Views: 3684

Re: Unethical to chase transfer bonuses?

I don't think you should feel bad about this or that you are doing anything unethical. This is what is known as an "arm's length" transaction. They made the offer unsolicited by you and you accepted. There are no mitigating circumstances or "behind closed doors" side deals here. ...
by kenschmidt
Thu Sep 01, 2016 7:42 am
Forum: Personal Consumer Issues
Topic: Drowned IPhone
Replies: 28
Views: 2199

Re: Drowned IPhone

My son dropped his iPhone 5 in the toilet (water was clean at least) and it was dead. We put it in a bowl of rice after shaking out any excess water and using the compressed air method. It took about a week but it did finally come back to life. It was a little glitchy for a couple weeks after that b...
by kenschmidt
Tue Aug 30, 2016 6:43 pm
Forum: Personal Consumer Issues
Topic: Car Shopping - Early 2000s Mid-Sized Car Reliability under $5k?
Replies: 37
Views: 2574

Re: Car Shopping - Early 2000s Mid-Sized Car Reliability under $5k?

I've had some experience with this list - 2000-2004 Toyota Camry - I have 2005 Camry and after 120,000 miles, it still feels kind of new. I have only had to replace the two power rear window motors outside of regular maintenance. Overall, best car I have ever owned. 2000-2004 Honda Accord - n/a 2000...
by kenschmidt
Mon Aug 29, 2016 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Variable Universal Life?
Replies: 15
Views: 1255

Re: Variable Universal Life?

Auto rebalancing means you set target percentages for each fund and the portfolio is periodically rebalanced for you by selling and buying of funds to get back to the target percentages.

If you change the investment mix, you'd want to also change the rebalancing instructions to reflect that as well.
by kenschmidt
Sun Aug 28, 2016 9:56 am
Forum: Personal Finance (Not Investing)
Topic: My 8 year old son taught me a good lesson tonight
Replies: 16
Views: 3943

Re: My 8 year old son taught me a good lesson tonight

I think your son has discovered the key to enjoying collectibles. You collect because you like what you are collecting, not for some perceived future value.
by kenschmidt
Sat Aug 27, 2016 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: $50M+ - Need a sounding board/advice
Replies: 205
Views: 22003

Re: $50M+ - Need a sounding board/advice

If it were me and I really wish that it were me to be honest, what I would do is to divide the remaining funds into two parts. Part one I would invest in an income portfolio, probably mostly municipal bonds but maybe also some other bonds like TIPS, corporates, etc. mixed in. The goal of this would ...
by kenschmidt
Thu Aug 25, 2016 7:14 pm
Forum: Personal Consumer Issues
Topic: Honda maintenance schedule?
Replies: 49
Views: 3242

Re: Honda maintenance schedule?

I know you asked about Accords, but we have a 2014 Odyssey. It has about 28,000 miles and is showing maintenance code A123 with about 10% oil life left so it is indicating a transmission fluid change is due (the "3" in the A123).
by kenschmidt
Thu Aug 25, 2016 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: How much PrimeCap vs Total Stk Mkt
Replies: 25
Views: 1809

Re: How much PrimeCap vs Total Stk Mkt

This is really a decision you will ultimately have to make for yourself. Primecap is a good, low cost and low turnover active fund. Low cost and low turnover is what makes for good performance, whether it is an index fund or an active fund. So, in that respect, Primecap is only slightly behind the i...
by kenschmidt
Thu Aug 25, 2016 6:58 pm
Forum: Personal Consumer Issues
Topic: Should I replace my Samsung Galaxy S4?
Replies: 43
Views: 2394

Re: Should I replace my Samsung Galaxy S4?

Black Friday is an ideal time to buy a phone. We got 4 Samsung Galaxy S6's on Verizon.com for $300 off each; for the 32GB model, final cost was $576-300 = $276, or $11.50/mo. on installment.
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: 33
Views: 3292

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: 39
Views: 3359

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: 461

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: 142
Views: 9562

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: 142
Views: 9562

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: 1389

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: 123
Views: 7733

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: 1450

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: 4657

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: 6303

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: 879

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: 523

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: 395

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: 1602

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: 3808

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: 815

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: 3808

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: 5847

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: 3211

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: 1628

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...

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