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Re: How to respond when someone asks how much money you make

1 million dollars (in Dr Evil's voice) while raising your pinky to your mouth. If that doesn't do it, add a maniacal laugh.
by leonidas
Fri Jan 30, 2015 6:39 am
 
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 73
Views: 5683

Re: The lowest stock allocation you plan to stay with

I am at 50 / 50 rights now. I think the lowest I would go is 25% but that would depend on the amount of assets I own and any consistent income like pensions and SS. Before retirement my plan is stay a minimum of 50% and a maximum of 60%. I'm 45 now.
by leonidas
Fri Jan 30, 2015 6:35 am
 
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 74
Views: 3173

Re: VNQ & VNQI

I have not extra REITs outside of Total Market and Total International. I read a lot about these types of funds being good diversifiers but never thought to pull the trigger. I use the free version of FutureAdvisor and it dings me for a lack of diversification and lack of REITs as well as TIPs and S...
by leonidas
Thu Jan 29, 2015 10:46 am
 
Forum: Investing - Help with Personal Investments
Topic: VNQ & VNQI
Replies: 9
Views: 994

Re: Reliability of LED televisions?

I have primarily owned Samsung models. My current set is 5 or 6 years old with no issues and daily use.
by leonidas
Sun Jan 25, 2015 7:50 am
 
Forum: Personal Consumer Issues
Topic: Reliability of LED televisions?
Replies: 18
Views: 1226

Re: SCIF vs SCIN vs SMIN

Looks like country specific funds for Indian small caps. I have no opinion on those but prefer to own a world wide diversified fund.
by leonidas
Sun Jan 25, 2015 7:47 am
 
Forum: Investing - Theory, News & General
Topic: SCIF vs SCIN vs SMIN
Replies: 2
Views: 241

Re: What is your commodities stocks/indexes allocation?

I have gold and silver coins/bars and I own the ETF SGOL. It totals about 5% of my portfolio. pre 2007 I was nearly 9% but I decided to dial back to 5% and have been pretty stable since then.
by leonidas
Fri Jan 23, 2015 10:51 am
 
Forum: Investing - Theory, News & General
Topic: What is your commodities stocks/indexes allocation?
Replies: 20
Views: 1020

Re: What age did you hit $100,000?

about 29 (1999)
by leonidas
Wed Jan 21, 2015 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 68
Views: 5832

Re: 529 Plans Reform

Maybe it is time to think about using ROTH's for education expenses.
by leonidas
Tue Jan 20, 2015 1:58 pm
 
Forum: Investing - Theory, News & General
Topic: 529 Plans Reform
Replies: 24
Views: 1371

Re: $50,000 to invest, want little to no risk. CDs? Silver?

Silver and Gold are not for the risk averse. CD's and I-Bonds are a good choice.
by leonidas
Tue Jan 20, 2015 10:24 am
 
Forum: Investing - Help with Personal Investments
Topic: $50,000 to invest, want little to no risk. CDs? Silver? Etc?
Replies: 37
Views: 3468

Re: which Brokerage do you use...why?

Wells Fargo is my primary broker. With the PMA package everything is commission free. Unfortunately, this is closed to new investors.
I also have a Schwab account for my IRAs. They have a great list of commission free ETFs that I can choose from.
by leonidas
Wed Jan 14, 2015 8:36 am
 
Forum: Investing - Help with Personal Investments
Topic: which Brokerage do you use...why?
Replies: 33
Views: 2470

Re: Buying Energy Select Sector SPDR ETF (XLE)??

So whats the plan? Looking for a quick turnaround on the expected bounce or is this long term and you think the energy sector will outperform the market. Does this change your AA from what your IPS states? I have 5% dedicated to speculation myself. Just be careful since the blades of a falling knife...
by leonidas
Tue Jan 13, 2015 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying Energy Select Sector SPDR ETF (XLE)??
Replies: 4
Views: 390

Re: rebalancingact.com

They offered a free trial last year and I gave it a shot. I did not find it very useful at all. It was so basic as to be just better than pen and paper. I wrote up an e-mail stating 4 reasons I wont be paying for their services. I tried looking for it but I must have deleted it. If it went under the...
by leonidas
Fri Jan 09, 2015 7:17 am
 
Forum: Personal Finance (Not Investing)
Topic: rebalancingact.com
Replies: 5
Views: 804

Re: Best online checking account

I use Schwab Investor Checking. Had it for about 6 or 7 years. Free everything including checks and ATM rebates. The rebate comes at the end of the month.
I just love it.
by leonidas
Thu Jan 08, 2015 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best online checking account
Replies: 52
Views: 4907

Re: REIT predictions for 2015

I don't have a separate REIT allocation so from a disinterested party I will say down 7.5% + or - 15%....
by leonidas
Tue Jan 06, 2015 6:52 pm
 
Forum: Investing - Theory, News & General
Topic: REIT predictions for 2015
Replies: 12
Views: 1384

Re: U.S. stocks in freefall

This is why I also own bonds and Gold.
by leonidas
Mon Jan 05, 2015 2:55 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1195
Views: 221597

Re: [Poll] Why do you use indexing? (select multiple)

I guess I got tired of under-performing the averages. I always used Index funds but never 100%. The research presented pretty much made a clear cut case to me that this was the best route. Now I am 85% index and happier for it. I also no longer go nuts looking for the next big thing. For a while I w...
by leonidas
Fri Jan 02, 2015 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Why do you use indexing? (select multiple)
Replies: 26
Views: 1612

Re: Facebook is Outrageous

I stopped using FB about 1 hour after my wife created an account for me. I am not sure what the heck its really for besides wasting time with mindless chatter or bad games. Then again its probably not geared towards me anyway. I have no real opinion on its valuation either. Seems to me every cycle h...
by leonidas
Tue Dec 30, 2014 10:55 am
 
Forum: Investing - Theory, News & General
Topic: Facebook is Outrageous
Replies: 78
Views: 9874

Re: Do you usually order beverage at restaurants?

I always have a beverage with every meal every time, be it coffee, water or alcohol. I honestly have never in my life seen someone eat a meal without a beverage. I see at this juncture 16 people have responded no and wonder why is this so. Just out of curiosity. Small, edit...I almost never order de...
by leonidas
Sun Dec 28, 2014 11:37 am
 
Forum: Personal Consumer Issues
Topic: Do you usually order (not-free) beverage at restaurants?
Replies: 89
Views: 7638

Re: Dentist Bill from 2011

Family dental coverage through my employer is pretty cheap. I pay 36 a month. So maybe 420 a year. Either way, I get 8 cleanings a year (2 per person) for no charge. So that's a slight benefit for us. This year oldest son had braces. Plan paid out 2500 I paid out the rest. Now that was a great help....
by leonidas
Thu Dec 25, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Dentist Bill from 2011
Replies: 62
Views: 3828

Re: Dentist Bill from 2011

Of course, if my insurance co was at fault I would provide any assistance or documentation needed. What I take away from this thread is the money owed is not the OP responsibility, but a mix up btw dentist and insurance that took a few years to be reconciled. Always pay what you owe but your not obl...
by leonidas
Thu Dec 25, 2014 12:50 pm
 
Forum: Personal Consumer Issues
Topic: Dentist Bill from 2011
Replies: 62
Views: 3828

Re: Dentist Bill from 2011

I go to the dentist and they require a copay upfront which I make. Then they submit their charges to my insurance. After that its up to them to get paid by insurance. My responsibility stops. If the dentist messed that up then its no skin off your nose. Now, if that 300 is part of your responsibilit...
by leonidas
Thu Dec 25, 2014 10:59 am
 
Forum: Personal Consumer Issues
Topic: Dentist Bill from 2011
Replies: 62
Views: 3828

Re: What Movie Have You Recently Watched?

Just finished Guardians of the Galaxy. I actually enjoyed it while wifey, pretty much just rolled her eyes.
by leonidas
Mon Dec 22, 2014 10:30 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 477
Views: 56466

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: 2890

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: 3450

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: 102
Views: 8247

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: 1296

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: 977

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: 977

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: 6700

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: 4062

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: 4563

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: 10120

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: 25
Views: 3349

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: 1452

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: 3816

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: 2803

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: 203
Views: 28198

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: 4550

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: 6595

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: 2916

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: 4965

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: 1289

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: 36949

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: 275

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: 5575

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: 2125

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: 5067

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: 1106

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: 1106
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