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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 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 3471

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 10:56 am
 
Forum: Investing - Theory, News & General
Topic: International allocation
Replies: 73
Views: 4125

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 8:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: I got my invitation to open a wisebanyan account
Replies: 5
Views: 624

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 8:34 pm
 
Forum: Investing - Theory, News & General
Topic: Most Hated Brokerage Firm? [or one that you love]
Replies: 74
Views: 7367

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 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: I got my invitation to open a wisebanyan account
Replies: 5
Views: 624

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 6:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Drastic pay cut-Crack CD (w/penalty) to payoff mortgage?
Replies: 26
Views: 1080

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 3:27 pm
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5082

Re: How old are you?

44 and aging gracfully.
by leonidas
Wed Jul 30, 2014 4:43 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 77
Views: 6600

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 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which bond ETFs do you have?
Replies: 16
Views: 1569

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 7:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Afraid of Bonds
Replies: 28
Views: 2305

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 7:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Best On-line Portfolio trackers
Replies: 16
Views: 1668

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 7:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Fido as your bank?
Replies: 11
Views: 1507

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 7:14 am
 
Forum: Personal Finance (Not Investing)
Topic: PNC (service charge, free checking)
Replies: 27
Views: 1271

Re: Poll - Do you use Quicken?

Used to but not anymore.
by leonidas
Mon Jul 21, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 85
Views: 5102

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 7:56 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7407

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 5:01 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 7341

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 8:20 am
 
Forum: Investing - Theory, News & General
Topic: Cash allocation in a portfolio
Replies: 42
Views: 3824

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 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you tell your kids how much you make?
Replies: 58
Views: 6113

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 6:40 am
 
Forum: Personal Finance (Not Investing)
Topic: I'm worthless [Net worth is zero]
Replies: 33
Views: 5095

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 6:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I go back?
Replies: 32
Views: 3171

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 8:36 am
 
Forum: Investing - Theory, News & General
Topic: Bubble Watch: Credit cards for "riskiest customers"
Replies: 8
Views: 790

Re: Cost of car compared to Gross Income

The last new car I bought was a 2007 Hyundai Sonata for about 18K which was about 10% of my salary back then. It was paid off in 2012 and I still own it. In February of 2014 I bought my wife a 2012 Honda Pilot for about 27.5k which is about 12-13% of current gross. We are doing a 5 yr loan for that ...
by leonidas
Fri Jun 20, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 82
Views: 4675

Re: Commission free trades- How!?

I just learned that I am #3466 on the waiting list for Wisebanyan! I seem to be slipping down the list.
by leonidas
Wed Jun 11, 2014 11:51 am
 
Forum: Investing - Theory, News & General
Topic: Commission free trades- How!?
Replies: 10
Views: 880

Re: Edward Jones came to my door

I have never been visited by a broker at my home before. I have never been cold called either. Must be doing something right or I am not considered a "whale" and worth the effort. Now if I can just stop the Jehovah's Witnesses from visiting I will be set!
by leonidas
Wed Jun 11, 2014 11:31 am
 
Forum: Investing - Theory, News & General
Topic: Edward Jones came to my door
Replies: 44
Views: 2741

Re: POLL: Do/did you get a match? How much?

We get 1% for showing up and 100% match upto 6%. Also have a defined benefit pension plan that is pretty good.
by leonidas
Fri Jun 06, 2014 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do/did you get a match? How much?
Replies: 67
Views: 4224

Re: Who are the BogleHeads.org heavyweights?

Leonidas misses the munchkin man. He was a heavyweight until he went on that diet.
by leonidas
Fri May 30, 2014 12:02 pm
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 9188

Re: Child Care - 2 or More Children and Strategies to Pay

For my first child, wife stayed home for two years and then Grand Mom lived with us so she looked after him. Second child, wife stayed home for two years and we put him in Daycare for the remainder. It cost 1025/Mo in NJ. In our town we only have 1/2 day kindergarten so we also pay 700/mo for the re...
by leonidas
Tue May 27, 2014 6:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Child Care - 2 or More Children and Strategies to Pay
Replies: 46
Views: 3345

Re: Post your current AA

22% US Total MKT
24% INTL (13 Emerging / 11 Developed)
46% Total Bond MKT
3% Muni Bonds
5% Gold/Silver
by leonidas
Fri May 23, 2014 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Post your current AA
Replies: 41
Views: 2293

Re: How do you make your money?

Toons wrote:Consistent investing :happy


That's my goal!
by leonidas
Fri May 23, 2014 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you make your money?
Replies: 97
Views: 13130

Re: How do you make your money?

I manage IT projects for the FED in NYC. Been in the business 20 years. My wife works for a non profit in NJ. The pay is decent but nothing compared to what you can get at a wall street firm. I like the 5 weeks of vacation and I have the time to take it.
by leonidas
Fri May 23, 2014 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you make your money?
Replies: 97
Views: 13130

Re: Futureadvisor.com - Does anyone use it?

They still cant categorize much of my assets. There plan involves selling pretty much everything I have in taxable and replacing with Small caps and tax managed International. Not interested.
by leonidas
Wed May 21, 2014 7:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Futureadvisor.com - Does anyone use it?
Replies: 4
Views: 671

Re: Roll Call for the Retirement Class of 2014!

Class of 2032 if I retire at 62...Oh man, gotta increase that savings rate!
by leonidas
Wed May 21, 2014 7:40 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 166
Views: 15425

Re: Hotel suggestions Washington,DC

Second the washington court. Close to the capitol and the mall. Stayed there twice before.
by leonidas
Sat May 17, 2014 7:46 pm
 
Forum: Personal Consumer Issues
Topic: Hotel suggestions Washington,DC
Replies: 32
Views: 2087

Re: Job Hopping? Work History Enclosed.

I work in IT and job hoping is no big deal.
by leonidas
Wed May 07, 2014 6:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Job Hopping? Work History Enclosed.
Replies: 60
Views: 4661

Re: Does AirTran enforce luggage size?

I went to KC for a two day business trip this past week on us air. Seems like people bought in all sizes of carry ons to the gate. Before the plane was half full they asked people to check their bags at the gate for free. I guess people were trying to avoid the wait at the baggage claim.
by leonidas
Sun May 04, 2014 11:22 am
 
Forum: Personal Consumer Issues
Topic: Does AirTran enforce luggage size?
Replies: 30
Views: 3534

Re: Anyone have over 200 individual positions in their accou

The most single positions I ever had at once was 39. Included a collection of DRIPs, funds stocks and options. I have a saner 18 now. I guess I had more time to manage them back before I became father of the year.
by leonidas
Sun Apr 27, 2014 5:07 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone have over 200 individual positions in their accounts?
Replies: 31
Views: 6756

Re: TV show recommendations?

My wife and I Enjoy the good wife and scandal. I like the walking dead even though the quality of the episodes is somewhat uneven.
by leonidas
Sun Apr 27, 2014 3:31 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 120333

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: 25
Views: 3588

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: 2388

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: 2093

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: 3121

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: 190

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: 190

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: 1923

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: 1434

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: 3589

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: 1558

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: 5123

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: 2518

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: 5564
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