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Re: Question about IRS Online Payment from Checking Account

I efiled thru turbo tax on the 14th and during the process I was asked When I would like my payment sent to the irs thru my checking account. I chose the 15th and the next day it was taken out. The total was 3k. Maybe there is an issue with the dollar amount? I would call the irs again.
by leonidas
Sat Apr 19, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about IRS Online Payment from Checking Account
Replies: 21
Views: 620

Re: Quicken 2014 opinions wanted

I used quicken until 2013. I got tired of paying every x number of years just for usless updates. I track my finaces thru yodlee moneycenter and I never looked back.
by leonidas
Fri Apr 18, 2014 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 47
Views: 1471

Re: Anyone use Fidelity as their bank account?

I use the schwab equivilant called investor checking. Everything is free including checks. Atm fees reimbursed at end of month with no limits. I remember schwab had much better rates years ago so I went with them over fidelity. Now its not really relevant with rates so low.
by leonidas
Wed Apr 16, 2014 6:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Fidelity as their bank account?
Replies: 27
Views: 1750

Re: gold , silver, copper and uranium only

Gold and silver are currently 6% or so of our portfolio. Its been as high as 9. It been good until 2011. And not so good since then. I just try to keep it around 5 since that's where I am comfortable. Either way with such a low percentage I am certain it will not help or harm the overall portfolio u...
by leonidas
Mon Apr 14, 2014 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: gold , silver, copper and uranium only
Replies: 46
Views: 2234

Re: Questions about Traditional IRA to ROTH Conversion

Thanks All. I was able to redo my taxes and found my mistake. For Some reason I have another 1000 going into the ROTH directly. Now all looks good, but I still owe this year for other taxes...
by leonidas
Thu Apr 10, 2014 11:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Questions about Traditional IRA to ROTH Conversion
Replies: 4
Views: 153

Questions about Traditional IRA to ROTH Conversion

Hey guys! Just finishing up my Federal Taxes and I have a question. Last year I added 1000 to a traditional IRA and a month later converted to Roth. I just moved the cash as I still did not buy any securities. So I got the 1099-R from Schwab and when I put it into Turbo Tax it seems I have to pays t...
by leonidas
Thu Apr 10, 2014 11:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Questions about Traditional IRA to ROTH Conversion
Replies: 4
Views: 153

Re: Best option for high interest earning no fee checking?

I know that barclays bank has a .9% savings account. If checking is what your interested in there are those accounts that pay like 2% interest but require 10 or so transaction a month. I have one but it is not available nationally.
by leonidas
Sun Apr 06, 2014 3:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best option for high interest earning no fee checking?
Replies: 19
Views: 1624

Re: Do You Need Commodities in Your Portfolio?

I keep 5% of my portfolio in gold. Doing this since 99. Don't think its hurt me much.
by leonidas
Wed Apr 02, 2014 1:22 pm
 
Forum: Investing - Theory, News & General
Topic: Do You Need Commodities in Your Portfolio?
Replies: 23
Views: 1336

Re: BH Vacations

There's wife, kids and me. We pick a price range and then ask agent for someplace warm. Usually ends up being 8-11 days somewhere in caribian. Last year was dominican for 10 days. This year montego bay in Jamaica for 8 days. All prices are up this year.
by leonidas
Sun Mar 30, 2014 1:51 pm
 
Forum: Personal Consumer Issues
Topic: BH Vacations
Replies: 50
Views: 3202

Re: Electric razors where replacement blades cost same as ra

I used an electric shaver for 15 years. About 2 years ago I got PO'ed about paying so much for replacement blades that I went back to disposables from BJ's. I find that I get a closer shave from blades than electric. Eventually, I will find an issue with blades and I will look up this thread to see ...
by leonidas
Sat Mar 29, 2014 8:31 am
 
Forum: Personal Consumer Issues
Topic: Electric razors where replacement blades cost same as razor
Replies: 19
Views: 1257

Re: Children: Are they worth every penny?

I have two boys 7 years apart. I have some of my best memories watching and helping them grow up. Knowing what I know now I would do it again but I would change my behavior. I would learn to be more patient with them. Two is a handful for us, I cant imagine 7..
by leonidas
Fri Mar 21, 2014 9:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Children: Are they worth every penny?
Replies: 68
Views: 4595

Re: Phone calls trying to sell me stocks

I have never been called by anyone selling investment or insurance products in my life. I do get toms of charity calls though. Either way, I screen all my calls and only pick up the ones I know.
by leonidas
Wed Mar 19, 2014 11:56 am
 
Forum: Personal Consumer Issues
Topic: Phone calls trying to sell me stocks
Replies: 36
Views: 2000

Re: You Will Be Investing For Free In 5 Years - Article

I put myself in-line for Wisebanyan to try their free services. I started as #2942 and now I am #3256

there are 5436 people are waiting behind me.

I think I am heading in the wrong direction...
by leonidas
Tue Mar 18, 2014 7:50 pm
 
Forum: Investing - Theory, News & General
Topic: You Will Be Investing For Free In 5 Years - Article
Replies: 21
Views: 5335

Re: Confession: I bought a stock. What is wrong with me?

I own some individual stocks too. I dont really buy on tips from others. There are situations where it seems markets lose there collective minds and when a company in an industry is doing poorly every company gets crushed. Soon afterwards, people realize that the world is not ending and rush back in...
by leonidas
Sun Mar 16, 2014 8:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Confession: I bought a stock. What is wrong with me?
Replies: 25
Views: 2140

Re: True Detective anyone?

Missed it last night but the wife and I are watching tonight after the kiddies go down...I can't wait..
by leonidas
Mon Mar 10, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: True Detective anyone?
Replies: 61
Views: 5169

Re: 401 match (poll)

I get 100% match on the first 6% plus 1% automatically added. Good thing is we also have a great pension and reitree health benefits.
by leonidas
Sun Mar 09, 2014 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401 match (poll)
Replies: 33
Views: 1771

Re: Tipping for a haircut at Great Clips

I like to tip about 20% for personal services and usually round up to the nearest dollar. So 3 bucks sounds right to me.
by leonidas
Sun Mar 09, 2014 2:05 pm
 
Forum: Personal Consumer Issues
Topic: Tipping for a haircut at Great Clips
Replies: 56
Views: 3958

Re: 62 years old - starting all over again

"I am highly educated, always poorly paid and unemployed more than ever employed." <-- What does this mean? "When a person has worked long and hard hours in IT and not been paid for it" -- 40 years in IT and poorly paid for that entire time? "What money I had in the markets,...
by leonidas
Thu Mar 06, 2014 6:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: 62 years old - starting all over again
Replies: 27
Views: 4426

Re: Personal experience of Wealthfront, Betterment....?

Just got an email from wisebanyan today: here are the highlights: "We are excited to announce that tomorrow morning we will begin sending invites based on your spot in the WiseBanyan waitlist!" and "starting today we have made it easier for everyone on the waitlist to skip the line by...
by leonidas
Tue Mar 04, 2014 7:29 pm
 
Forum: Investing - Theory, News & General
Topic: Personal experience of Wealthfront, Betterment....?
Replies: 22
Views: 2857

Re: Personal experience of Wealthfront, Betterment....?

Busting Myths wrote:They have to be bleeding cash so I wonder who is providing venture capital founding. Not saying this is all bad just wish they had more transparency.


39 active accounts...no wonder I am not making any headway. In a few weeks I will lose interest..and just stick it out with my WellsTrade account.
by leonidas
Tue Mar 04, 2014 5:55 pm
 
Forum: Investing - Theory, News & General
Topic: Personal experience of Wealthfront, Betterment....?
Replies: 22
Views: 2857

Re: Personal experience of Wealthfront, Betterment....?

I am #2900 ish on the list for Wisebanyan. How long would will it take to get me to the top of the list?
by leonidas
Tue Mar 04, 2014 3:06 pm
 
Forum: Investing - Theory, News & General
Topic: Personal experience of Wealthfront, Betterment....?
Replies: 22
Views: 2857

Re: Shutting down a DRIP cheaply

I used to own a ton of DRIPs in the past. I never remember such a huge fee to liquidate my holdings. Then again, I never went thru wells fargo. I would move them to a low cost broker and sell.
by leonidas
Tue Mar 04, 2014 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Shutting down a DRIP cheaply
Replies: 12
Views: 1150

Re: Want to buy but can't find the "right" vehicle - what to

My wife wanted a new SUV to replace our Hyundai Santa Fe. We did research for about 2 days, test drove a few different brands and bought a used Honda Pilot.
She loves it. Its a demon in the snow.
by leonidas
Tue Mar 04, 2014 9:20 am
 
Forum: Personal Consumer Issues
Topic: Want to buy but can't find the "right" vehicle - what to do?
Replies: 74
Views: 3398

Re: The Oscars

The Oscars were on last night? I was busy watching the Walking Dead, True Detective and Sports news. I have no time for elitist snobs fawning all over themselves over MOSTLY mediocre products.
by leonidas
Mon Mar 03, 2014 6:52 pm
 
Forum: Personal Consumer Issues
Topic: The Oscars
Replies: 25
Views: 1518

Re: Wrist Watches

My mother in law gave me and Ebel when I got engaged. Most likely cost 1500-2000 (in 1998). Last year it needed servicing and I got a quote back for $390. Its been sitting on my dresser since then. I just use my phone to tell time. After waring a watch everyday for 20 years it took a while to get us...
by leonidas
Sun Mar 02, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: Wrist Watches
Replies: 81
Views: 5744

Re: What was your dumbest financial decision?

Making a quick 20k trading options in '98 and thinking I got this down to a Science. Lost nearly all of those gains in about 3 months.
Also, traded penny stocks and looked like a genious. Worse result than the options as I doubled Down and lost even more.
by leonidas
Sat Mar 01, 2014 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 106
Views: 8359

Re: Purchasing physical gold??

The only physical gold (and silver) I ever bought was on ebay in 1999 thru 2001. The auctions vaired wildly but many times I got coins below the current spot price. I tried a few months ago and all the bids were much higher than the spot price. Did you try googling gold and sifing thru the results. ...
by leonidas
Sat Mar 01, 2014 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing physical gold??
Replies: 45
Views: 4223

Re: True Detective anyone?

I stand corrected! While I was disappointed the first time I saw this show, I was able to watch all 6 episodes this weekend and I am hooked. I realized that my issue the first time I watched was that I was also on my iPad and not totally paying attention. This time I sat and focused on what was bein...
by leonidas
Tue Feb 25, 2014 11:52 pm
 
Forum: Personal Consumer Issues
Topic: True Detective anyone?
Replies: 61
Views: 5169

Re: Small Investors Jump Back Into the Trading Game

leo383 wrote:Because a 20 something has insight and research that no one else has.

I have a feeling that this time will be different!


This is one of the funniest things I read today..thank you!
by leonidas
Sun Feb 23, 2014 9:54 am
 
Forum: Investing - Theory, News & General
Topic: Small Investors Jump Back Into the Trading Game
Replies: 30
Views: 1728

Re: How has frugality impacted your marriage/LTR?

Since marriage is a compromise, I became a little less tight and leaned to enjoy money more (vacations, dining out). But man, I my head aches when I think how much a 5000k trip cost me if I invested it and got a compound return of 7% a year for the next 20 years..I'll stop now. Ah, yes...It was a G...
by leonidas
Fri Feb 21, 2014 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: How has frugality impacted your marriage/LTR?
Replies: 37
Views: 2817

Re: Investing $100k

PenFed CD could get you 2% a year. Safe and guaranteed.
by leonidas
Fri Feb 21, 2014 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing $100k
Replies: 2
Views: 496

Re: How has frugality impacted your marriage/LTR?

Since marriage is a compromise, I became a little less tight and leaned to enjoy money more (vacations, dining out). But man, I my head aches when I think how much a 5000k trip cost me if I invested it and got a compound return of 7% a year for the next 20 years..I'll stop now. You can get 7%??? Wh...
by leonidas
Fri Feb 21, 2014 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: How has frugality impacted your marriage/LTR?
Replies: 37
Views: 2817

Re: How has frugality impacted your marriage/LTR?

When we got married I was very frugal and she was not. At 29, I never owned a new car had a 6 figure 401k and 6 figure savings. She had an expensive Jeep, no savings, 8k of credit card debt on a 33k a year salary (I was making 65k at the time). I paid for the wedding and honeymoon and out down 25% o...
by leonidas
Fri Feb 21, 2014 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: How has frugality impacted your marriage/LTR?
Replies: 37
Views: 2817

Re: True Detective anyone?

I have been hearing so much about this show today online and the radio that I am going to give it another shot thru hbo on demand and start from the beginning.
by leonidas
Thu Feb 20, 2014 6:47 pm
 
Forum: Personal Consumer Issues
Topic: True Detective anyone?
Replies: 61
Views: 5169

Re: True Detective anyone?

I tried watching this show. I lasted about an episode and a half and it felt like Seinfeld..nothing really happened. Maybe I am not a "what a great character Mathew play" type of movie watcher? Please, I need a shootout where you never run out of ammo, unless its convenient or something. O...
by leonidas
Thu Feb 20, 2014 7:47 am
 
Forum: Personal Consumer Issues
Topic: True Detective anyone?
Replies: 61
Views: 5169

Re: Personal experience of Wealthfront, Betterment....?

There is a new invite only online financial site called wisebanyan that charges...wait for it...nothing! Seems like the standard portfolio and rebalancing is free and they may add fees for TLH or other services. So far it's by invite only but I am not sure how it can continue as a going concern.
by leonidas
Mon Feb 17, 2014 11:42 pm
 
Forum: Investing - Theory, News & General
Topic: Personal experience of Wealthfront, Betterment....?
Replies: 22
Views: 2857

Re: Pet peeve: When people refer to this forum as "Bogglehea

I'm a terrible speller. If it wasn't for word editors I don't think I would have a job right now...
by leonidas
Thu Feb 13, 2014 9:17 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Pet peeve: When people refer to this forum as "Boggleheads."
Replies: 36
Views: 2431

Re: Renew Barron's Subcription

I used to go to Borders Bookstore on the weekends to read it there while having a cup at the coffee shop. I'm not sure there is anything like that currently available in your neighborhood, but you might check out some coffee shops that cater to newspaper readers. This was my M O before I got marrie...
by leonidas
Tue Feb 11, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Renew Barron's Subcription
Replies: 22
Views: 1212

Re: Renew Barron's Subcription

I used to read Barrons many years ago. I loved the section just before the Fund and stock price tables and just after. Overall, about a quarter to A third of the magazine. Now, I really don't see a need to read it. What exactly have you gotten from them that can't be read online?
by leonidas
Mon Feb 10, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: Renew Barron's Subcription
Replies: 22
Views: 1212

Re: POLL: May leave VBS. Which brokerage(s) do you invest wi

I use both Schwab and WellsTrade. I love Wells since I am grandfathered into the 100 free trades with the PMA package. That 100 includes mutual funds if that is your preference. MerrillEdge is only stock and etfs. I have my IRA's and banking with Schwab and only use their free ETF's.
by leonidas
Sun Feb 09, 2014 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: May leave VBS. Which brokerage(s) do you invest with?
Replies: 35
Views: 2546

Re: Schwab or Vanguard

Been with schwab for years. Mainly because of their banking products being the best out there. I love the new free etfs. One can build a very inexpensive portfolio of index funds. If I was only doing funds though I would go directly thru vanguard.
by leonidas
Fri Feb 07, 2014 7:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Schwab or Vanguard
Replies: 56
Views: 4913

Re: How happy are you with your insurance company?

My wife gets New Jersey Manufacturers Ins through work and I find them a very good company to deal with. When we moved from NY to NJ our Auto Ins rate went through the roof. When my wife went to work and we were notified about this company, we switched home and auto and my insurance costs fell about...
by leonidas
Mon Feb 03, 2014 12:09 pm
 
Forum: Personal Consumer Issues
Topic: How happy are you with your insurance company?
Replies: 20
Views: 1230

Re: A historical look at Emerging Market losses

The forecast calls for more pain...either way, I have EM at nearly 50% of my Intl and I will re balance into it as needed.
by leonidas
Fri Jan 31, 2014 11:46 am
 
Forum: Investing - Theory, News & General
Topic: A historical look at Emerging Market losses
Replies: 4
Views: 771

Re: Wait for Equity Pullback or Allocate Today?

If your nervous just chunk it up and put in 1/6th every month till you are back in. Ten years down the road it will just be a bump on the road.
by leonidas
Wed Jan 29, 2014 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wait for Equity Pullback or Allocate Today?
Replies: 25
Views: 2280

Re: ETF to Use as Cash Surrogate for Testing?

Call_Me_Op is right, BIL is a better Proxy...
by leonidas
Wed Jan 29, 2014 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: ETF to Use as Cash Surrogate for Testing?
Replies: 3
Views: 120

Re: ETF to Use as Cash Surrogate for Testing?

I hear some people make their own version of the permanent portfolio and use iShares 1-3 Year Treasury Bond (SHY) as the cash substitute.
by leonidas
Wed Jan 29, 2014 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: ETF to Use as Cash Surrogate for Testing?
Replies: 3
Views: 120

Re: Portfolio Tweakers - Unite and be ashamed no more

The last real tweaking I did was dump all my tips in feb '13 and increased em stocks from 20 of my intl to 40.
by leonidas
Sun Jan 26, 2014 4:25 pm
 
Forum: Investing - Theory, News & General
Topic: Portfolio Tweakers - Unite and be ashamed no more
Replies: 37
Views: 2432

Re: Glad I own bonds today!

If your going to predict, predict often...one is bound to be right.
by leonidas
Fri Jan 24, 2014 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: Glad I own bonds today!
Replies: 56
Views: 4502

Re: Glad I own bonds today!

A well diversified portfolio provides some relief when one part of it is getting hit other parts partially offset the losses. Earlier this year I sold US and bought EM (Not so good) Bonds(OK) and Gold (pretty good after last year). Either way we take the good with the bad and hopefully come out ahead.
by leonidas
Fri Jan 24, 2014 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: Glad I own bonds today!
Replies: 56
Views: 4502

Re: Emerging Markets Allocation

I am almost at a 50/50 Developed/EM split myself.
by leonidas
Thu Jan 23, 2014 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets Allocation
Replies: 30
Views: 1840
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