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Re: Having my year end review with my manager, what to expec

I'm in IT and this year I got a 2% raise and 8% bonus. Same as last year. Unless they gave you some indication that your starting salary was to be adjusted upwards based on some erformance metric I would say you did ok. I would not be against looking around at other companies to see what the pay sca...
by leonidas
Fri Dec 19, 2014 7:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Having my year end review with my manager, what to expect?
Replies: 30
Views: 2760

Re: On average, how often do you check your investment balan

I pretty much check everyday after the market closes. I realize I don't do much with that information. Every 6 months or so I do a detailed check just in case the allocation is out of whack and then I redirect deposits to the areas that are short.
by leonidas
Thu Dec 18, 2014 8:34 am
 
Forum: Personal Finance (Not Investing)
Topic: On average, how often do you check your investment balances?
Replies: 53
Views: 3296

Re: What are your 2015 Financial Goals?

Mine is to increase our savings rate. We have been stuck at around 15-16% for a few years and I have always felt that is should be closer to 20.
by leonidas
Mon Dec 15, 2014 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: What are your 2015 Financial Goals?
Replies: 88
Views: 6033

Re: VXUS [Vanguard Total International Stock Index]

My Equity position is 50/50 US/Intl. If Intl is down I switch my contributions to get back in balance. Or are you having second thoughts on Intl investing overall. Like the previous poster said, write down your IPS in a way that you are comfortable and stick with it.
by leonidas
Fri Dec 12, 2014 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: VXUS [Vanguard Total International Stock Index]
Replies: 15
Views: 1161

Re: Where to place International REIT?

zaboomafoozarg wrote:I invest in VNQI in my rollover IRA, because that's where I have the space to do it. Dividends are mostly unqualified, so not going to buy in my taxable account.


Are there any significant issues with the lack of the Foreign tax credit?
by leonidas
Fri Dec 12, 2014 7:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to place International REIT?
Replies: 9
Views: 946

Where to place International REIT?

I have my portfolio in FutureAdvisors free service where they rate certain aspects of your portfolio and give you recommendations. One of the areas is diversification where I rated a 'C'. My two biggest deficiencies were lack of Small Cap Value and International REITs. I have no interest in tilting ...
by leonidas
Fri Dec 12, 2014 7:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to place International REIT?
Replies: 9
Views: 946

Re: Who Paid for the wedding?

The reception, church, limo, photagraphers and flowers ran us 20k in 1999. I paid for it out of my pocket. We made about 16k in wedding money so net about 4k cost to me. Both of our parents were on the poorer side.
by leonidas
Sat Dec 06, 2014 7:41 pm
 
Forum: Personal Consumer Issues
Topic: Who Paid for the wedding?
Replies: 94
Views: 6502

Re: TIPs, Total Bond Market, or Both?

I use only total bond in my 401k and an Intermediate term Muni in taxable. Used to have a sizable TIPS fund but I sold in 2013 and put it all in total bond
by leonidas
Fri Dec 05, 2014 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: TIPs, Total Bond Market, or Both?
Replies: 35
Views: 3438

Re: Stanley Kubrick's 2001 a space odyssey

While parts of it were visually stunning, overall it bored me to tears. That's 2 hours of my life I will never get back
by leonidas
Thu Dec 04, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 64
Views: 3965

Re: Why is Dave Ramsey wrong?

I used to listen to dave on long car rides but I haven't found him on any local stations recently. Some people can't get over his political and religious view, but we seem in sync with those. When we got into a bit of debt during my wifes unemployment his show was a small motivator for us. Now, not ...
by leonidas
Mon Dec 01, 2014 7:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Why is Dave Ramsey wrong?
Replies: 73
Views: 9987

Re: Recommendations for online bank?

Schwab Investor Checking. Free everything including paper checks and all ATM fees refunded at the end of the month.
by leonidas
Fri Nov 28, 2014 7:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Recommendations for online bank?
Replies: 24
Views: 2873

Re: Best way to track / monitor all your accounts

I get calls from personal capital about every other month. I don't bother answering the call.
by leonidas
Wed Nov 19, 2014 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to track / monitor all your accounts
Replies: 12
Views: 1305

Re: Poll: Net cost of your checking account annually?

Schwab Investor Checking. Free everything including paper checks. All ATM charges reimbursed without limit. No over draft fees.
by leonidas
Wed Nov 19, 2014 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Net cost of your checking account annually?
Replies: 44
Views: 2809

Re: What financial tools/software do you use?

I use personal capital and mint.
by leonidas
Wed Nov 19, 2014 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: What financial tools/software do you use?
Replies: 35
Views: 2456

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

Gave up on quicken years ago and now on turbo tax. So what's the next best package?
by leonidas
Sat Nov 15, 2014 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 140
Views: 16791

Re: Who is mailing Holiday Cards this year?

We send photo chriistmas cards every year. This time we are dressing up as santa, mrs claus, a couple of elves and a reindeer.
by leonidas
Sat Nov 15, 2014 8:39 am
 
Forum: Personal Consumer Issues
Topic: Who is mailing Holiday Cards this year?
Replies: 52
Views: 3710

Re: Your car(s) are equal to how many months income

I voted for 3 months
by leonidas
Wed Nov 12, 2014 7:52 am
 
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 6250

Re: Local bank without any checking account fees?

Schwab Investor checking. No Fees, all free.
by leonidas
Mon Nov 10, 2014 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Local bank without any checking account fees?
Replies: 31
Views: 2854

Re: Savings rate of -2% for those under 35 - WSJ

I Ride on NJ transit with people in all stages of their lives. We sometimes talk the economics of living in the garden state and so many have opened up about the inability to save money due to the costs of getting by especially housing and college costs. I know so many people who don't put any money...
by leonidas
Mon Nov 10, 2014 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings rate of -2% for those under 35 - WSJ
Replies: 69
Views: 4812

Re: FutureAdvisor Portfolio Review

I get a D for divercification too. According to them I have no REITs, no TIPs, no small value so I get dinged. So it seems that even though I have 25% of portfolio in TSM, they don recognize that it contains the above, minus the TIPs. Its funny that in the middle of the page they mention that their ...
by leonidas
Sun Oct 19, 2014 6:50 am
 
Forum: Personal Finance (Not Investing)
Topic: FutureAdvisor Portfolio Review
Replies: 19
Views: 1223

Re: Headed for a 300+ point loss today?

Markets experience 10% corrections very frequently. Sometimes we get there in drips and drabs and other times in huge whacks. I would not be too surprised if we see this market (DOW) at 15k. I currently have almost a 50/50 split so in that case I would re-balance. If these gyrations are too much for...
by leonidas
Fri Oct 10, 2014 7:03 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 36409

Re: IMF Global Growth Forecast Revised Downward

It would be interesting to see a history of the IMFs forcasts and gauge their accuracy. I would just guess they are as accurate as flipping a coin. Even if they were spot on would it benefit you to change your investment course?
by leonidas
Wed Oct 08, 2014 5:30 am
 
Forum: Investing - Theory, News & General
Topic: IMF Global Growth Forecast Revised Downward
Replies: 2
Views: 269

Re: Why not 100% CD's?

In the 80's and 90's CD's did have a positive real return and your case for 100% CDs would have been stronger even though I do believe that for true inflation protection having a bit of Equities in your portfolio is prudent.
by leonidas
Fri Sep 26, 2014 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Why not 100% CD's?
Replies: 73
Views: 5483

Re: Is Now a Good time to Buy Bonds ???

I DCA through my 401k every two weeks and maintain a 50/50 balance. When I created my IPS years ago I tried to find a percentage that I was comfortable with and would still to it. There always seems to be a portion of a portfolio that concerns me. Either stocks are too high or bond rates are too low...
by leonidas
Fri Sep 26, 2014 6:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Is Now a Good time to Buy Bonds ???
Replies: 19
Views: 2017

Re: [S&P is down 1.3% !!!]

I don't get too worked up over 1-2% daily moves. If these days make you nervous you may want to re-evalutes your equity position.
If the market moves another 3 or 4% will move a bit of bond money over but will try to keep my head.
by leonidas
Thu Sep 25, 2014 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: [S&P is down 1.3%, thus] We're all going to die!!!
Replies: 58
Views: 4954

Re: Suggestions for Portfolio Tracker

Gecko10x wrote:They just added this! I've been waiting for it for quite a while.


Thanks for the update! I just went in and changed the asset classes. Now the information is much more useful.
by leonidas
Thu Sep 25, 2014 7:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Portfolio Tracker
Replies: 15
Views: 1085

Re: Suggestions for Portfolio Tracker

I like personal capital for this but many of the funds in my 401k do not have tickers and PC cant determine the allocation correctly. I made a request to have the ability to manually set the asset class but that is still in the works. There is a less fancy site that I also have tried called nextcapi...
by leonidas
Thu Sep 25, 2014 5:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Portfolio Tracker
Replies: 15
Views: 1085

Re: Individual Stocks

I am about 90% indexed and own 8 individual issues. Usually large cap div payers. ABBV, ABT, CBOE..I had Heinz but Buffet bough tit from me at a hefty premium. I do still look for distressed value plays but have become very selective in what I buy. The last stock I bought was in 2010.
by leonidas
Tue Sep 23, 2014 11:10 am
 
Forum: Investing - Theory, News & General
Topic: Individual Stocks
Replies: 46
Views: 3512

Re: Anyone moved from NY?

Yes I did but not far enough as I ended up in south jersey. Next hop is out of this leftist tax purgatory to somehwere down south.Looking at you Texas!
by leonidas
Wed Sep 10, 2014 4:56 am
 
Forum: Personal Consumer Issues
Topic: Anyone moved from NY?
Replies: 43
Views: 3141

Re: Does your employer still offer pensions to new hires?

I work for the Fed and we still have a pretty sweet pension. Not sure about all the specifics but many of my friends who retired and come back to visit say it provides quite a big benefit and they aren't hurting for cash. The Fed also has retiree health benefits for those who work at least ten years...
by leonidas
Sun Aug 31, 2014 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 4007

Re: International allocation

Right now I am about 35% of total stock holdings. Of that 35% its nearly a 50/50 split between Developed and Emerging Markets.
by leonidas
Mon Aug 25, 2014 9:56 am
 
Forum: Investing - Theory, News & General
Topic: International allocation
Replies: 81
Views: 5429

Re: I got my invitation to open a wisebanyan account

Free, for how long? Forever? For a year? For some undefined length of time? From their web site, no times are stated which most likely means "until we realize our business model is not maintainable or our funding runs out". I don't see any account closing fees so transferring out when the...
by leonidas
Tue Aug 12, 2014 7:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: I got my invitation to open a wisebanyan account
Replies: 5
Views: 1071

Re: Most Hated Brokerage Firm? [or one that you love]

I now use 2 brokerages. Schwab has my IRA and Wells Fargo (PMA account with the 100 free trades) has my taxable. I have both for about 7 years and they are very good. Schwab has more bells and whistles and better research and a lot of free ETF's. WF is all free. ETF's, stocks, mutual funds..100 a ye...
by leonidas
Tue Aug 12, 2014 7:34 pm
 
Forum: Investing - Theory, News & General
Topic: Most Hated Brokerage Firm? [or one that you love]
Replies: 95
Views: 11020

I got my invitation to open a wisebanyan account

A while back wisebanyan was offering to construct and maintain a portfolio of ETF's for free. All you needed to do was sign up for a place in line and wait for them to admit you. Well, after all these months I got the e-mail that they are ready for me to open an account. I am not sure I am intereste...
by leonidas
Tue Aug 12, 2014 7:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: I got my invitation to open a wisebanyan account
Replies: 5
Views: 1071

Re: Drastic pay cut-Crack CD (w/penalty) to payoff mortgage?

I would sell the house and rent. That seems like a lot of housing for one person living as a pauper.
by leonidas
Fri Aug 08, 2014 5:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Drastic pay cut-Crack CD (w/penalty) to payoff mortgage?
Replies: 26
Views: 1183

Re: High School Reunions--Have you attended?

I never went to any of my reunions. I always planned to go to the 25th but let it pass too. I did go to my wifes 20th so she could show her trophy husband off.
by leonidas
Sun Aug 03, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5658

Re: How old are you?

44 and aging gracfully.
by leonidas
Wed Jul 30, 2014 3:43 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 82
Views: 8538

Re: Which bond ETFs do you have?

I own ITM in my taxible acct. Only mutual funds in retirement acct.
by leonidas
Wed Jul 30, 2014 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which bond ETFs do you have?
Replies: 19
Views: 1885

Re: Afraid of Bonds

My allocation is close to 50/50. Of course, I worry about a spike in rates but a consistent rise in rates over a period of time should be a positive for bond holders as lower rate bonds are replaced (at 100% par value) with higher interest rate bonds. Short term CD's may be of some interest to you i...
by leonidas
Sat Jul 26, 2014 6:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Afraid of Bonds
Replies: 28
Views: 2476

Re: Best On-line Portfolio trackers

I use personal capital and its pretty good except there are some instances where they cannot determine the asset type of a fund and they label it as other. I have 2 funds in my 401k marked as US equity Index and Emerging Market Index and PC wont let me set the asset allocation. I also have been usin...
by leonidas
Sat Jul 26, 2014 6:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Best On-line Portfolio trackers
Replies: 16
Views: 1730

Re: Anyone use Fido as your bank?

I use Schwab Investor Checking. Its a pretty similar service with free everything. Lots of threads about these types of financial institutions recently and I post in each one.
by leonidas
Sat Jul 26, 2014 6:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Fido as your bank?
Replies: 11
Views: 1597

Re: PNC (service charge, free checking)

I have a PMA account with Wells Fargo which I opened when I enrolled in the 100 free trades a year promotion in 2007. I barely used it unless my mortgage got refinanced thru Wells. Now I keep my Mortgage and Property taxes there. All other traditional banking is through Schwabs Investor Checking Acc...
by leonidas
Sat Jul 26, 2014 6:14 am
 
Forum: Personal Finance (Not Investing)
Topic: PNC (service charge, free checking)
Replies: 27
Views: 1463

Re: Poll - Do you use Quicken?

Used to but not anymore.
by leonidas
Mon Jul 21, 2014 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 85
Views: 5603

Re: If you own a car, do you have a car payment?

I have a 2007 Sonata whichwas paid off in 2011. I just bought my wife a 2012 Honda pilot for 29000 earlier this year and have those payments for another 4.5 years. But for 3 years it was nice to be free of them.
by leonidas
Fri Jul 18, 2014 6:56 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7764

Re: POLL: Do you have a dedicated REIT allocation?

I had a 5% allocation until last year. Sold it all and moved the money to TSM. I also own no SCV so I market weight REITs. I would be inclined to add a slice of this asset class but cannot at current valuations. I did see that vanguard now has an international REIT etf that seems interesting but as ...
by leonidas
Wed Jul 16, 2014 4:01 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 8500

Re: Cash allocation in a portfolio

I have some cash in my brokerage account that I use but no specified allocation percentage.
by leonidas
Wed Jul 16, 2014 7:20 am
 
Forum: Investing - Theory, News & General
Topic: Cash allocation in a portfolio
Replies: 42
Views: 3890

Re: Do you tell your kids how much you make?

My youngest asked me if I make more than 5000. I said a bit more. He was impressed and that was the last I heard from him.
by leonidas
Sat Jul 05, 2014 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you tell your kids how much you make?
Replies: 58
Views: 6529

Re: I'm worthless

But you have potential and that's worth a lot. Keep up the good work.
by leonidas
Wed Jul 02, 2014 5:40 am
 
Forum: Personal Finance (Not Investing)
Topic: I'm worthless [Net worth is zero]
Replies: 33
Views: 5186

Re: Should I go back?

I live in south jersey and commute to nyc. Takes an hour and forty minutes, mostly by train. I was close to leaving when they started offering tele commuting. I do that 3 days a week and I am gratful for it.
by leonidas
Wed Jul 02, 2014 5:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I go back?
Replies: 32
Views: 3273

Re: Bubble Watch: Credit cards for "riskiest customers"

There is nothing new under the sun...

So if I can keep the profits I make now and I get bailed out if things go south, the question is "why not?"
by leonidas
Mon Jun 30, 2014 7:36 am
 
Forum: Investing - Theory, News & General
Topic: Bubble Watch: Credit cards for "riskiest customers"
Replies: 8
Views: 816
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