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Re: Need help with men's exercise clothes please

REI has great sport socks. They also have great sport wicking socks that are dark and will pass for dress socks. Very comfortable.
by leonard
Wed Dec 17, 2014 6:33 pm
 
Forum: Personal Consumer Issues
Topic: Need help with men's exercise clothes please
Replies: 54
Views: 2754

Re: Need help with men's exercise clothes please

Costco has very cheap, name brand synthetic workout shirts and shorts. Target has the same - wait for a sale and it's even better. The VG store has one style of synthetic workout shirt that is very reasonably priced. Keep in mind - you also get the benefit from synthetics that you can hang dry quick...
by leonard
Wed Dec 17, 2014 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Need help with men's exercise clothes please
Replies: 54
Views: 2754

Re: With this uncertainty, where to put $200k plus....

There's always a list of issues. Decide on an AA. Pick the portfolio - you've been eye balling one of the Life strategies for 3 threads now. Time to decide and act. I have appreciated everyones advice, I used it to work my plan out, then while waiting for my money to be transferred in all this turm...
by leonard
Tue Dec 16, 2014 10:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: With this uncertainty, where to put $200k plus....
Replies: 26
Views: 2108

Re: With this uncertainty, where to put $200k plus....

There's always a list of issues. Decide on an AA. Pick the portfolio - you've been eye balling one of the Life strategies for 3 threads now. Time to decide and act. I have appreciated everyones advice, I used it to work my plan out, then while waiting for my money to be transferred in all this turm...
by leonard
Tue Dec 16, 2014 10:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: With this uncertainty, where to put $200k plus....
Replies: 26
Views: 2108

Re: With this uncertainty, where to put $200k plus....

There's always a list of issues.

Decide on an AA. Pick the portfolio - you've been eye balling one of the Life strategies for 3 threads now. Time to decide and act.
by leonard
Tue Dec 16, 2014 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: With this uncertainty, where to put $200k plus....
Replies: 26
Views: 2108

Re: Embarrassingly stupid question

betterinvestor2012 wrote:When heeding the advice to save 15-25% of your income, do you consider it PRETAX or posttax?


Save everything you can - and let the percentage be whatever it works out to be.
by leonard
Sun Dec 14, 2014 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Embarrassingly stupid question
Replies: 25
Views: 4423

Re: Split Assets Between Two Firms?

I guess the average investor has already lost focus because they probably have a checking account, a work retirement account, and maybe an Ally account. That's already too much for them, so a Vanguard account would put them right into a tailspin of complexity. And if their spouse had a work account...
by leonard
Sat Dec 13, 2014 12:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Split Assets Between Two Firms?
Replies: 28
Views: 2416

Re: Is monthly rebalancing too frequent?

For what purpose? Why not weekly or daily? There are people/funds who do this professionally, and the more you need to balance the more you need to consider whether the benefits outweigh the costs. http://www.bogleheads.org/wiki/Rebalancing The external reference to opportunistic rebalancing is int...
by leonard
Fri Dec 12, 2014 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: Is monthly rebalancing too frequent?
Replies: 26
Views: 1501

Re: help! suspicious call asking about my SS application

I just got a call from someone apparently working at home (dog barking) and she started out asking me some personal info...this is about my online app for spousal and I was expecting a call but caller ID shows n 855 number and that's all, no SSA ID. I stopped the call and she said she would send me...
by leonard
Fri Dec 12, 2014 1:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: help! suspicious call asking about my SS application
Replies: 12
Views: 1421

Re: Is monthly rebalancing too frequent?

Objectively - once a month is too often. However, I'll throw in a behavioral component. At longer rebalance intervals, quarterly, semi-annual, annual, etc. some people may be inclined not to get rebalancing done. Procrastination, forgetting to do it, whatever. More frequent rebalancing might make it...
by leonard
Fri Dec 12, 2014 1:09 pm
 
Forum: Investing - Theory, News & General
Topic: Is monthly rebalancing too frequent?
Replies: 26
Views: 1501

Re: windfall incoming.clarify the 101 plz (noob bashing wooo

Keep doing the boglehead basics: fully invest in 401k's, Roth IRA, etc. etc. For the lump sum, I'd suggest going through the typical BH analysis of determining your risk level and setting an AA for the lump sum. Then, contact Vanguard about getting access to institutional shares of their funds. And,...
by leonard
Fri Dec 12, 2014 12:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: windfall incoming.clarify the 101 plz (noob bashing wooo!)
Replies: 70
Views: 9758

Re: Harvey paper says re-balancing adds risk

It does both.

If I rebalance and buy bonds, I've decreased risk.

If I rebalance and buy stocks, I've increased risk.

Pretty straightforward.
by leonard
Fri Dec 12, 2014 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: Harvey paper says re-balancing adds risk
Replies: 72
Views: 4340

Re: Recovering money from a totaled vehicle?

Have it towed to the house and part it out via craigslist - try to get as much as possible for all the usable parts. A work effort, but usually you can tell the person wanting the part that they need to take it off. So that's why all those wrecks are in front of houses... ...seriously you don't wan...
by leonard
Fri Dec 12, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: Recovering money from a totaled vehicle?
Replies: 11
Views: 892

Re: Split Assets Between Two Firms?

That would be a pain. All at VG. "keep it simple" applies to your account structure - as well as the actual investments. I have my assets split across several custodian (BTW it's not a pain for me) but not for security reasons but rather for bonus gathering so I split or consolidate holdi...
by leonard
Fri Dec 12, 2014 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Split Assets Between Two Firms?
Replies: 28
Views: 2416

Re: Request 401K Assistance - Plan Offers 0% Exp. Ratio Opti

Using publicly traded mutual funds keeps everyone honest - cause the value of holdings are marked to market at the close of each trading day. Plan purchases, sales, and exchanges are done at the closing market price for the day - so again easily auditable for accuracy. Much, much harder for the TPA ...
by leonard
Thu Dec 11, 2014 9:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Request 401K Assistance - Plan Offers 0% Exp. Ratio Options
Replies: 21
Views: 1503

Re: Poll: Dividend income to match annual salary?

Total returns count. Dividends are only one element of that.
by leonard
Thu Dec 11, 2014 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Dividend income to match annual salary?
Replies: 39
Views: 3573

Re: What is your opinion about "tilting?"

But, I don't think they actually take in to account whether they will really maintain the rebalancing involved. I really think they don't consider a less-financially-interested spouse one day being the portfolio manager. Thus, I think people take on too much complexity - where a simple portfolio wo...
by leonard
Thu Dec 11, 2014 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 110
Views: 7149

Re: new 401k plan help

do those allocations sound good to you guys? I don't get it. Is "add some bonds" specifically feedback you were not looking for? You have several people recommending that now - so not sure what kind of feedback you thought you would get. Also, not sure what feedback you came in to this th...
by leonard
Thu Dec 11, 2014 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: new 401k plan help
Replies: 23
Views: 1636

Re: 'Might Jack Bogle Be Wrong for a Change?' [Int'l holding

Why is it so hard to understand that choosing an exact Int'l percentage is a judgment call? We are likely all "wrong" cause most likely our individual selection of Int'l stock ratio won't hit the efficient frontier - unless we are just extremely lucky over a time period. It's one of those ...
by leonard
Thu Dec 11, 2014 6:50 pm
 
Forum: Investing - Theory, News & General
Topic: 'Might Jack Bogle Be Wrong for a Change?' [Int'l holdings]
Replies: 49
Views: 4153

Re: What is your opinion about "tilting?"

I think tilting is likely to generate better risk adjusted returns than a more simple portfolio. However, I think the number one trade off to be considered should be complexity. I think people rationalize the complexity with the expected extra returns. But, I don't think they actually take in to acc...
by leonard
Thu Dec 11, 2014 6:19 pm
 
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 110
Views: 7149

Re: Split Assets Between Two Firms?

I've noticed that several individuals on this site make reference to splitting their assets between two firms (e.g., Vanguard and Fidelity) in order to avoid having all one's eggs in one basket. But help me understand a little better pls: What risk(s) does this help mitigate? Thx That would be a pa...
by leonard
Thu Dec 11, 2014 6:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Split Assets Between Two Firms?
Replies: 28
Views: 2416

Re: Recovering money from a totaled vehicle?

Have it towed to the house and part it out via craigslist - try to get as much as possible for all the usable parts. A work effort, but usually you can tell the person wanting the part that they need to take it off. So that's why all those wrecks are in front of houses... ...seriously you don't wan...
by leonard
Thu Dec 11, 2014 5:59 pm
 
Forum: Personal Consumer Issues
Topic: Recovering money from a totaled vehicle?
Replies: 11
Views: 892

Re: Why don't YOU follow Buffett's advice?

Warren Buffett has consistently said: --most people's equity exposure should just be a low-cost S&P 500 Index fund --the only other holding should be something liquid enough to be safe in a crunch, like short-term government bonds --the proper asset allocation for someone with a long-term horiz...
by leonard
Thu Dec 11, 2014 5:56 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't YOU follow Buffett's advice?
Replies: 114
Views: 7823

Re: Recovering money from a totaled vehicle?

Have it towed to the house and part it out via craigslist - try to get as much as possible for all the usable parts. A work effort, but usually you can tell the person wanting the part that they need to take it off. That would require garage space and a very tolerant significant other. If no garage...
by leonard
Thu Dec 11, 2014 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Recovering money from a totaled vehicle?
Replies: 11
Views: 892

Re: Physician doing consulting on side - individual 401k?

Everything I've read states 457 contributions do not count toward the 401k deferral. This is correct. The $17,500 elective deferral limit for a 401k also includes a person's other 401ks, 403bs, and I think SEP and SIMPLE IRAs. The limit for the 457b is separate and you can double contribute. I'm su...
by leonard
Thu Dec 11, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician doing consulting on side - individual 401k?
Replies: 28
Views: 1906

Re: Physician doing consulting on side - individual 401k?

I am an employed physician who will be providing consulting services to a medical device company. I have a governmental 457 which I am currently maxing out. I also do a backdoor Roth every year. I have no other retirement vehicles. I have done some research (here and on the interwebs) and it seems ...
by leonard
Thu Dec 11, 2014 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician doing consulting on side - individual 401k?
Replies: 28
Views: 1906

Re: new 401k plan help

if the target fund did not have bonds I would be much more inclined to that. I understand that it is risky to not have bonds because I haven't really been in the market at a down turn. please look at my allocations as if someone that will not be retiring or at least 40 years and will not sell at a ...
by leonard
Thu Dec 11, 2014 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: new 401k plan help
Replies: 23
Views: 1636

Re: Physician doing consulting on side - individual 401k?

I am an employed physician who will be providing consulting services to a medical device company. I have a governmental 457 which I am currently maxing out. I also do a backdoor Roth every year. I have no other retirement vehicles. I have done some research (here and on the interwebs) and it seems ...
by leonard
Thu Dec 11, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician doing consulting on side - individual 401k?
Replies: 28
Views: 1906

Re: Buying a casket

So, request that the funeral director have the body embalmed with the legs bent . What but then I have sleep for eternity with my legs bent and my knees get sore! I think Im going to request my family embalm me sitting up with a big smile on my face. Have we passed into the macabre yet? On a seriou...
by leonard
Thu Dec 11, 2014 3:06 pm
 
Forum: Personal Consumer Issues
Topic: Buying a casket
Replies: 19
Views: 2292

Re: new 401k plan help

I will have access to my 401k starting next week, so I have come back to this forum to post what I think is my final asset allocation goal Roth IRA (currently at 11k, was maxed out 2014 and will be from now on) 50% - Vanguard 500 Index VFINX 25% - Vanguard Total International VGTSX 401k (starting a...
by leonard
Thu Dec 11, 2014 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: new 401k plan help
Replies: 23
Views: 1636

Re: Physician doing consulting on side - individual 401k?

I am an employed physician who will be providing consulting services to a medical device company. I have a governmental 457 which I am currently maxing out. I also do a backdoor Roth every year. I have no other retirement vehicles. I have done some research (here and on the interwebs) and it seems ...
by leonard
Thu Dec 11, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician doing consulting on side - individual 401k?
Replies: 28
Views: 1906

Re: How do you contribute to your IRA?

Wait until year end to ensure that we are not over the income limits.

I don't want to contribute then have to undo it.
by leonard
Thu Dec 11, 2014 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you contribute to your IRA?
Replies: 33
Views: 1638

Re: More money equates to feeling poor?

Can't negotiate? Leonard, My son went for a regular physical, doctor saw the wart and did the liquid application and did not even mention anything nor did I thought what was coming next as he already told us buy over the counter liquid for future, I am just putting this for now! Next thing comes at...
by leonard
Thu Dec 11, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: More money equates to feeling poor?
Replies: 50
Views: 6056

Re: More money equates to feeling poor?

I thought of the example of what I struggle with and feel like what I described:- I could afford lawn service but I always ask for multiple quotes before deciding and spend time as it is now part of the habit of being boglehead now I could afford them but in the process of deciding and sometimes no...
by leonard
Thu Dec 11, 2014 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: More money equates to feeling poor?
Replies: 50
Views: 6056

Re: Buying a casket

I went through this a few years ago. You should search and confirm the following points - but this is what I recall: 1. Costco and other vendors online were much, much cheaper than funeral homes. 2. The prices were cheap and usually included 1 or 2 days delivery guarantee. 3. By Federal Law, funeral...
by leonard
Thu Dec 11, 2014 1:43 pm
 
Forum: Personal Consumer Issues
Topic: Buying a casket
Replies: 19
Views: 2292

Re: I Can't Smell The Coffee

You could shave with this: http://mamabearssoaps.com/index.php?main_page=product_info&cPath=1_25&products_id=270 Quote from the product description: "Coffee Essential Oil smells just like a fresh brewed pot of coffee." I don't have this one - but have many other of her shave soaps ...
by leonard
Mon Dec 08, 2014 10:21 pm
 
Forum: Personal Consumer Issues
Topic: I Can't Smell The Coffee [one cup coffee maker]
Replies: 36
Views: 4797

Re: Bogle Advises Investing No More Than 20% Outside U.S.

I see the problem with international investing as one where the lack of transparency and rule of law interfere with the ability to participate in many of the markets outside the US with any degree of comfort. China for example is the largest economy in the world now, yet investing in China is a ver...
by leonard
Sat Dec 06, 2014 11:27 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 10966

Re: Dealing with unauthorized (lawyer) bill

An even more linear fix might be to find the phone number on that bill and say....call.
by leonard
Sat Dec 06, 2014 10:16 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with unauthorized (lawyer) bill
Replies: 61
Views: 6208

Re: Am I being cheap?

Let's try and stay on topic here. If the OP can't fathom anything else maybe he can grasp that he is not purchasing a depreciating asset if he does the gentlemanly thing and presents traditional stone. As long as he buys a top quality, high grade solitaire he is acquiring an asset that will appreci...
by leonard
Sat Dec 06, 2014 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 8780

Re: Bogle Advises Investing No More Than 20% Outside U.S.

I see the problem with international investing as one where the lack of transparency and rule of law interfere with the ability to participate in many of the markets outside the US with any degree of comfort. China for example is the largest economy in the world now, yet investing in China is a ver...
by leonard
Sat Dec 06, 2014 10:11 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 10966

Re: Miscellaneous 401k fees

Again, why not simply ask your TPA or the contact for the 401k within your company?
by leonard
Sat Dec 06, 2014 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Miscellaneous 401k fees
Replies: 15
Views: 1446

Re: Exercise machine for small apartment?

Man, I love rowing, but that Concept Rower is a bit expensive for my taste. Had no idea they were that pricey! For those of you who use dumbbells. For adjustable dumbbells, is Powerblock still the gold standard (I had a pair 10 years ago)? Or are there better ones out now? Watch craigslist - you fi...
by leonard
Sat Dec 06, 2014 9:27 pm
 
Forum: Personal Consumer Issues
Topic: Exercise machine for small apartment?
Replies: 21
Views: 2010

Re: Bogle Advises Investing No More Than 20% Outside U.S.

I'm 50/50 domestic/int'l. But, I think there can be strong arguments for Int'l allocation percentages from 20 to 50 (or market weighting). I can even see an argument for 0%, if an investor also has a strong desire to keep it simple, although I don't think excluding Int'l completely maximizes diversi...
by leonard
Sat Dec 06, 2014 9:12 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 10966

Re: Am I being cheap?

Will she be "caught up in what her friends are doing" with respect to houses, cars, clothes, vacation homes, private educations for kids, etc. etc. If this is really a one time thing, that's one thing. But, if this indicates a life approach, then that's a discussion to have right now regar...
by leonard
Sat Dec 06, 2014 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 8780

Re: Exercise machine for small apartment?

When tilted up on end - a concept rower has a footprint of roughly 2" by 3" maybe less. Tilt down to use. Tilt up to store. Make sure your ceilings are high enough to tilt it up and your set. You can find them on Craigslist - but you don't really get a very good discount buying used. But, ...
by leonard
Thu Dec 04, 2014 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Exercise machine for small apartment?
Replies: 21
Views: 2010

Re: Has anyone seen this? Rich By Friday News Letter

Hello Forum Members, Has anyone watched the video located here https://w3.newsmax.com/LP/Finance/TDM/TDM-Absolute-Financial?promo_code=xtatmjjo Has anyone heard of Bill Spetrino or read his newsletters? He has a newsmax media publication called Rich By Friday located here http://w3.newsmax.com/news...
by leonard
Thu Dec 04, 2014 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone seen this? Rich By Friday News Letter
Replies: 15
Views: 890

Re: What would be the investing strategy for a coming crash?

leonard wrote:Checking history - the OP seems to put these threads out there and then not return. So, not sure getting in to any depth on the question is going to be rewarded.


Confirmed - OP never returned. Maybe not trolling - but trollish.
by leonard
Thu Dec 04, 2014 3:06 pm
 
Forum: Investing - Theory, News & General
Topic: What would be the investing strategy for a coming crash?
Replies: 82
Views: 8931

Re: Where do you shop for groceries?

Safeway, Costco, B&E Meats (Local butcher).
by leonard
Thu Dec 04, 2014 1:39 pm
 
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 82
Views: 5813

Re: Miscellaneous 401k fees

Contact your plan administrator - likely the Third Party Administrator that runs the plan - and simply ask for an explanation of the fees. Like any other financial account, the TPA should be able to provide explanations for fees. Just provide them the date, amount, and description of fee for each on...
by leonard
Thu Dec 04, 2014 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Miscellaneous 401k fees
Replies: 15
Views: 1446

Re: Dealing with unauthorized (professional services) bill

Wait? You gave a contractor a list of your assets in a "confidential document"? Why on earth would you do that? What exactly is the benefit of asking about contractors - rather than just ask the real question? Unless you are trying to color the answer you would get? Or you just enjoy puzzl...
by leonard
Thu Dec 04, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with unauthorized (lawyer) bill
Replies: 61
Views: 6208
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