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by leonard
Tue May 26, 2015 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Need Income-Wellesley & Wellington or just Wellesley
Replies: 38
Views: 6913

Re: Need Income-Wellesley & Wellington or just Wellesley

rwl10267 wrote:I think that OP needs to find a financial adviser and not take suggestions from a message board.


This forum is the best place online to ask such questions. And, the OP is likely to receive a better answer here than with 99% of advisors.
by leonard
Tue May 26, 2015 9:47 pm
Forum: Personal Consumer Issues
Topic: Window replacement -- Renewal by Andersen?
Replies: 31
Views: 2146

Re: Window replacement -- Renewal by Andersen?

In process of replacing old windows with Milgard. Still have 2 more windows that needed to be reordered and installed. Have had the windows 2 weeks and so far they seem well constructed. The pureview screens are very easy to see through - worth the price. Also, depending on your region of the countr...
by leonard
Tue May 26, 2015 9:36 pm
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 108
Views: 4752

Re: Once in a life time trip.

How much do 8 yr olds remember? I don't recall much from that young.

I'd wait until they are older.

I'll also list all of $20k vacations I have taken....
by leonard
Tue May 19, 2015 9:51 pm
Forum: Investing - Theory, News & General
Topic: Fees on Mutual Funds Fall. Thank yourself.
Replies: 20
Views: 2644

Re: Fees on Mutual Funds Fall. Thank yourself.

The employer can fulfil their fiduciary duty Does an employer have a fiduciary responsibility? 99 and 44/100% of them are as clueless as their employees when it comes to investing so there is no way an employee could sue an employer for not acting in the employees best interest. Yes. The employer -...
by leonard
Tue May 19, 2015 9:19 pm
Forum: Investing - Theory, News & General
Topic: Tool to Report All WW Publicly Traded Co's
Replies: 4
Views: 160

Re: Tool to Report All WW Publicly Traded Co's

What does "WW" mean? World-wide? In the US, all publicly traded companies are registered with the SEC. See: EDGAR database It won't answer all of your questions, but it's a step in the right direction. For details, see: Researching Public Companies Through EDGAR: A Guide for Investors Hi ...
by leonard
Tue May 19, 2015 9:03 pm
Forum: Investing - Theory, News & General
Topic: Tool to Report All WW Publicly Traded Co's
Replies: 4
Views: 160

Tool to Report All WW Publicly Traded Co's

Does anyone know a data source to pull 100% of WW publicly exchange traded stocks? Including: Company Name Ticker Exchange Market Cap website etc. I am trying to get this from a public, free source, so not looking to pay thousands for a data subscription service like Morningstar or some of the Wall ...
by leonard
Sun May 17, 2015 9:16 pm
Forum: Investing - Theory, News & General
Topic: Fees on Mutual Funds Fall. Thank yourself.
Replies: 20
Views: 2644

Re: Fees on Mutual Funds Fall. Thank yourself.

EDIT: EF has no minimum number of participants (see 4th FAQ from bottom): http://www.employeefiduciary.com/401k-faq/. I believe other low cost TPA's are similar. You seem to want to believe that plan fees should go up if ER's go down. Does something about that idea appeal to you? Of course not. I'm...
by leonard
Fri May 15, 2015 7:15 pm
Forum: Investing - Theory, News & General
Topic: Fees on Mutual Funds Fall. Thank yourself.
Replies: 20
Views: 2644

Re: Fees on Mutual Funds Fall. Thank yourself.

In poorly managed 401k's, sure fund ER's can be marked up. But, I don't think the poorly managed 401k should be the benchmark for this exercise. I think the benchmark should be well run 401k's - cause it's extremely easy to put in to place a low cost 401k with a low cost Third Party Administrator. ...
by leonard
Thu May 14, 2015 9:47 pm
Forum: Investing - Theory, News & General
Topic: Fees on Mutual Funds Fall. Thank yourself.
Replies: 20
Views: 2644

Re: Fees on Mutual Funds Fall. Thank yourself.

Thank you for the explanation Leonard. Is this the case as well for bundled 401ks? Is there anything to stop a 401k provider from raising fees on index funds? My husband's plan has index funds with higher fees than active funds in mine. They also have a quarterly flat fee. In poorly managed 401k's,...
by leonard
Wed May 13, 2015 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Any experience with plasma donation to boost income?
Replies: 67
Views: 4848

Re: Any experience with plasma donation to boost income?

I'm having a hard time squaring this thread with this one

https://www.bogleheads.org/forum/viewtopic.php?f=2&t=165661

Unless you have a full ride MBA - how can you consider the expense (plus moving to a top 10 school) of an MBA?
by leonard
Wed May 13, 2015 3:55 pm
Forum: Investing - Theory, News & General
Topic: Fees on Mutual Funds Fall. Thank yourself.
Replies: 20
Views: 2644

Re: Fees on Mutual Funds Fall. Thank yourself.

Nice article from the New York Times that includes quotes from an interview with Bogle. http://www.nytimes.com/2015/05/10/your-money/fees-on-mutual-funds-fall-thank-yourself.html Great trend of course, but I worry if the lost revenue from people moving to index funds will cause 401k plan expenses t...
by leonard
Wed May 13, 2015 3:48 pm
Forum: Personal Consumer Issues
Topic: Brand Loyalty
Replies: 60
Views: 3982

Re: Brand Loyalty

Example, above a poster said they were brand loyal to VG. You said that was "untrue". They know if they are brand loyal to VG, at a minimum much better than anyone else who is not a mind reader. Your expertise has no bearing on their subjective opinions. I said that it was untrue that the...
by leonard
Wed May 13, 2015 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Any experience with plasma donation to boost income?
Replies: 67
Views: 4848

Re: Any experience with plasma donation to boost income?

toto238 wrote:Technically, you are not being compensated for your plasma. The plasma is a donation and it is illegal to sell it. You are being compensated for your time. So "donate" is the correct term.


Technically, it reminds me of another word "semantics".
by leonard
Tue May 12, 2015 8:56 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 9187

Re: I Hate Vacations

An uncle once told me that "traveling is work". He was and is right.
by leonard
Tue May 12, 2015 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Diversifying beyond Vanguard Target Date Fund
Replies: 45
Views: 4406

Re: Diversifying beyond Vanguard Target Date Fund

My apologies, my apologies - I didn't mean to start a forum fistfight with the term "play money" :o I used the wrong term. I didn't mean gambling with the family bread money. I meant the 5% of our investment portfolio that is considered such a small percentage that it does not add or detr...
by leonard
Tue May 12, 2015 8:49 pm
Forum: Investing - Theory, News & General
Topic: Fees on Mutual Funds Fall. Thank yourself.
Replies: 20
Views: 2644

Re: Fees on Mutual Funds Fall. Thank yourself.

Nice article from the New York Times that includes quotes from an interview with Bogle. http://www.nytimes.com/2015/05/10/your-money/fees-on-mutual-funds-fall-thank-yourself.html Great trend of course, but I worry if the lost revenue from people moving to index funds will cause 401k plan expenses t...
by leonard
Tue May 12, 2015 8:45 pm
Forum: Personal Consumer Issues
Topic: How much can I spend on a car?
Replies: 157
Views: 8651

Re: How much can I spend on a car?

Hello my fellow bogleheads, I am currently in pursuit of a car and was wondering if I could seek your advice on how much I should spend. My current financial situation: 25 years old Salary: $62,000/yr Expenses per month equates to $700 Roth IRA: $5,500 Individual brokerage: $86,000 Savings: $24,000...
by leonard
Tue May 12, 2015 7:13 pm
Forum: Personal Consumer Issues
Topic: Brand Loyalty
Replies: 60
Views: 3982

Re: Brand Loyalty

Impressive. Not only an expert in brand loyalty - but you know other forum members minds better than they do. Nonsense in one case. And, you understand another mind better than they do and deem their opinion "untrue"? Do you not feel you are crossing a line here? My mistake - I should hav...
by leonard
Sat May 09, 2015 11:21 pm
Forum: Personal Consumer Issues
Topic: Brand Loyalty
Replies: 60
Views: 3982

Re: Brand Loyalty

I think Vanguard is the only brand that I'm loyal to. This is untrue... I am completely disloyal. Nonsense... Impressive. Not only an expert in brand loyalty - but you know other forum members minds better than they do. Nonsense in one case. And, you understand another mind better than they do and ...
by leonard
Sat May 09, 2015 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Day-Trading in my 529
Replies: 4
Views: 739

Re: Day-Trading in my 529

Really just kidding about the subject, but wondering if there are any 529's with low cost Vanguard funds that you can control the date of investment. I currently have Virginia VEST 529, but when you submit money it posts the next week sometime. I would like to control the date the money actually in...
by leonard
Thu May 07, 2015 4:07 pm
Forum: Personal Consumer Issues
Topic: 400lbs, delivery or pick up?
Replies: 63
Views: 3101

Re: 400lbs, delivery or pick up?

The second that much cat litter was delivered, my kitties would have decided they no longer like it. :D

Same with food.
by leonard
Thu May 07, 2015 1:51 pm
Forum: Personal Consumer Issues
Topic: New car vs used car -- what's your approach?
Replies: 57
Views: 2845

Re: New car vs used car -- what's your approach?

Identify the make, model and year(s) for which you are looking. Then, watch Craigslist for an extremely low mileage example in excellent condition used from a private party. Be patient. You never want to be in a rush with this decision. Have it inspected by a mechanic before purchasing. New car dea...
by leonard
Thu May 07, 2015 1:38 pm
Forum: Personal Consumer Issues
Topic: New car vs used car -- what's your approach?
Replies: 57
Views: 2845

Re: New car vs used car -- what's your approach?

Identify the make, model and year(s) for which you are looking. Then, watch Craigslist for an extremely low mileage example in excellent condition used from a private party. Be patient. You never want to be in a rush with this decision. Have it inspected by a mechanic before purchasing. New car deal...
by leonard
Thu May 07, 2015 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Diversifying beyond Vanguard Target Date Fund
Replies: 45
Views: 4406

Re: Diversifying beyond Vanguard Target Date Fund

netrammgc wrote:It really is an urge to tinker.


Your investment problem is solved. No need to tinker.

Time to find a new diversion - I'd suggest taking up guitar. Or maybe Seakayaking.
by leonard
Thu May 07, 2015 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: move to cash for upcoming bear market?
Replies: 68
Views: 8014

Re: move to cash for upcoming bear market?

Individual investors have a terrible track record for picking the highs and lows, versus the buy, hold and rebalance investor. It's not just individuals. Here's what happens when professionals try to do "tactical asset allocation", the proper name for the OP's proposal: they underperform ...
by leonard
Thu May 07, 2015 12:12 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 206
Views: 9613

Re: Forum software upgrade bug reports and change requests

Perfect! Thank you! It's clear I need to just do some more exploring with the software to learn the features. I really miss the "View Your Posts" tab in the upper left. Now you have to go through 2 steps via "Quick Links". But I do recognize that you guys are volunteers so I won'...
by leonard
Thu May 07, 2015 12:02 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 206
Views: 9613

Re: Forum software upgrade bug reports and change requests

I really miss the "View Your Posts" tab in the upper left. Now you have to go through 2 steps via "Quick Links". But I do recognize that you guys are volunteers so I won't forget to say thank you for trying to improve what might be the most valuable financial tool in the world. ...
by leonard
Wed May 06, 2015 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: move to cash for upcoming bear market?
Replies: 68
Views: 8014

Re: move to cash for upcoming bear market?

Individual investors have a terrible track record for picking the highs and lows, versus the buy, hold and rebalance investor.

How do you propose getting in and out of the market at the "right time"?
by leonard
Tue May 05, 2015 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Diversifying beyond Vanguard Target Date Fund
Replies: 45
Views: 4406

Re: Diversifying beyond Vanguard Target Date Fund

I figure it won't hurt to become "diversification man" and to take 5-10 percent and add in items that are not accounted for in the target date strategy. You will greatly increase complexity for a an almost non-existent increase in diversification. If you add a couple more asset classes - ...
by leonard
Fri May 01, 2015 11:04 am
Forum: Personal Consumer Issues
Topic: Karate for kids—Thoughts?
Replies: 47
Views: 2498

Re: Karate for kids—Thoughts?

A martial art that combines a grappling art like Brazilian Jujitsu AND a striking art are far more practical for self defense. May as well have the kid learn a martial art that is useful sooner in training AND get the discipline aspect as well.
by leonard
Mon Apr 27, 2015 8:47 pm
Forum: Personal Consumer Issues
Topic: How far away from a freight railroad track should you live?
Replies: 51
Views: 3362

Re: How far away from a freight railroad track should you li

Far enough away that this question doesn't even enter your mind.
by leonard
Sat Apr 25, 2015 1:15 pm
Forum: Personal Consumer Issues
Topic: Cast Iron Skillet Cooking
Replies: 127
Views: 17788

Re: Cast Iron Skillet Cooking

Seasoning tip: seasoning skillets can generate some smoke. So, if you happen to barbecue something - using the residual coal from the cooking, open all the vents to get the heat high, and put your CI piece in there coated with your favorite seasoning medium. All that smoke happens outside.
by leonard
Sat Apr 25, 2015 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: any experiences negotiating fences with neighbors?
Replies: 27
Views: 2418

Re: any experiences negotiating fences with neighbors?

dolphinsaremammals wrote:
leonard wrote:How exactly does someone who is in poor health and mentally impaired bring much menace?


You don't think someone mentally impaired showing up on your doorstep repeatedly and verbally threatening you is menacing?


I generally don't get intimidated by the physically impaired.
by leonard
Fri Apr 24, 2015 11:59 pm
Forum: Personal Consumer Issues
Topic: $139 lease for EV, $0 down, 39 month lease Chevy Spark
Replies: 46
Views: 3365

Re: $139 lease for EV, $0 down, 39 month lease Chevy Spark

In fact that's not always the case. But if you can find a purchase offer for the same vehicle that costs less than the lease, after accounting for the massive depreciation hit, please post it. I finance tools at the right price. I currently finance my Prius tool for 0% interest. I guess we'll agree...
by leonard
Fri Apr 24, 2015 10:10 pm
Forum: Personal Consumer Issues
Topic: $139 lease for EV, $0 down, 39 month lease Chevy Spark
Replies: 46
Views: 3365

Re: $139 lease for EV, $0 down, 39 month lease Chevy Spark

If you read through the "Does it ever make sense to lease a car" thread from a few weeks ago, a situation such as this was one of the few times leasing versus buying can make a lot of sense. The technology is changing so quickly that the car could essentially be obsolete in 3 years, so it...
by leonard
Wed Apr 22, 2015 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Should I paint the house next door?
Replies: 17
Views: 2304

Re: Should I paint the house next door?

I'd make them an initial offer to pay a portion of the cost. If they are interested, I'd let them say "yes" then broach how much they would want you to cover. If they refuse or don't answer, then I'd pursue code enforcement. But, the reality is that code enforcers are overworked in many ci...
by leonard
Wed Apr 22, 2015 4:19 pm
Forum: Personal Consumer Issues
Topic: $139 lease for EV, $0 down, 39 month lease Chevy Spark
Replies: 46
Views: 3365

Re: $139 lease for EV, $0 down, 39 month lease Chevy Spark

If you read through the "Does it ever make sense to lease a car" thread from a few weeks ago, a situation such as this was one of the few times leasing versus buying can make a lot of sense. The technology is changing so quickly that the car could essentially be obsolete in 3 years, so it...
by leonard
Wed Apr 22, 2015 2:30 pm
Forum: Personal Consumer Issues
Topic: $139 lease for EV, $0 down, 39 month lease Chevy Spark
Replies: 46
Views: 3365

Re: $139 lease for EV, $0 down, 39 month lease Chevy Spark

I've never financed a hammer - so not sure why I would start financing with this transportation tool. Have you ever rented a tool? It is a pretty common practice for specialty automotive tools or for large/expensive home improvement tools. I have not rented a tool where the rental period extended o...
by leonard
Wed Apr 22, 2015 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: any experiences negotiating fences with neighbors?
Replies: 27
Views: 2418

Re: any experiences negotiating fences with neighbors?

We are rebuilding a fence and of course this requires some degree of cooperation with neighbors. Any specific tips out there that made this process easier for you all? Yeah, it helps if you can get cooperative/nice neighbors. We've got one immediately adjacent neighbor who was fine when we arrived,...
by leonard
Wed Apr 22, 2015 2:21 pm
Forum: Personal Consumer Issues
Topic: $139 lease for EV, $0 down, 39 month lease Chevy Spark
Replies: 46
Views: 3365

Re: $139 lease for EV, $0 down, 39 month lease Chevy Spark

I've never financed a hammer - so not sure why I would start financing with this transportation tool.
by leonard
Tue Apr 21, 2015 8:58 pm
Forum: Investing - Theory, News & General
Topic: Has anyone changed their asset allocation
Replies: 58
Views: 3568

Re: Has anyone changed their asset allocation

No. Individual investors are notoriously bad at timing the market.
by leonard
Mon Apr 20, 2015 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 141
Views: 14101

Re: Family member asking for money

DonCamillo, that's a much better way to frame the question. Often, people can't help the children of others, because the parents' pride gets in the way. Here, it's been taken out of the equation. That reframing may give a warm, good feeling - but it ignores the fact that money is fungible. Yes, I k...
by leonard
Sun Apr 19, 2015 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6217

Re: My job says I can't work for anyone else...

I was able to strike out a similar clause in a 1099 contract, and out of maybe 50-100 previous contractors, I was the first person who'd asked to do that. But it was a case that worked in that era; today it wouldn't have happened, for a couple of reasons. Actually, the clause wouldn't have been the...
by leonard
Sun Apr 19, 2015 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Am I part of the problem??
Replies: 73
Views: 8974

Re: Am I part of the problem??

Many human endeavors have variability in terms of value for comparable worth. I would not stress about it. Expensive restaurants serve overpriced, often unhealthy foods. I still partake. Expensive designers sell Chinese made, factory clothes and purses for huge markups. People line up to buy. We li...
by leonard
Sun Apr 19, 2015 10:53 am
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6217

Re: My job says I can't work for anyone else...

I find it much more linear to not sign something, if I have no intention of abiding by it. I have a much better chance of managing my own actions than trying to manage the actions of the entire legal system and it's participants. In an ideal world, sure, but in the real world, sometimes you feel li...
by leonard
Sun Apr 19, 2015 10:47 am
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6217

Re: My job says I can't work for anyone else...

Never sign a non-compete. To many unforeseen restrictions. As for your current non-compete - consult a lawyer. Different states have different restrictions on how enforceable non-competes are. BTW - why sign a contract and then (seemingly) plan to not abide by it? That's the wrong question to ask. ...
by leonard
Sat Apr 18, 2015 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6217

Re: My job says I can't work for anyone else...

Never sign a non-compete. To many unforeseen restrictions. As for your current non-compete - consult a lawyer. Different states have different restrictions on how enforceable non-competes are. BTW - why sign a contract and then (seemingly) plan to not abide by it? That's the wrong question to ask. ...
by leonard
Sat Apr 18, 2015 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford [a masters degree]?
Replies: 38
Views: 2800

Re: Can we afford [a masters degree]?

The OP wasn't asking if the degree was valuable or whether to enroll in the program, just how to pay for it. If the actual price is $40k and that's the least expensive available program, then the question becomes what loans are available and at what rate. If the lowest available rate is a 24% credi...
by leonard
Sat Apr 18, 2015 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford [a masters degree]?
Replies: 38
Views: 2800

Re: Can we afford [a masters degree]?

The OP wasn't asking if the degree was valuable or whether to enroll in the program, just how to pay for it. If the actual price is $40k and that's the least expensive available program, then the question becomes what loans are available and at what rate. If the lowest available rate is a 24% credi...
by leonard
Sat Apr 18, 2015 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford [a masters degree]?
Replies: 38
Views: 2800

Re: Can we afford [a masters degree]?

The OP wasn't asking if the degree was valuable or whether to enroll in the program, just how to pay for it. If the actual price is $40k and that's the least expensive available program, then the question becomes what loans are available and at what rate. If the lowest available rate is a 24% credi...

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