Search found 360 matches

by leonidas
Thu Jul 23, 2015 6:00 am
Forum: Investing - Help with Personal Investments
Topic: Huge Mistake, Bought PBYI, Now What?
Replies: 26
Views: 3464

Re: Huge Mistake, Bought PBYI, Now What?

This does not seem like a huge mistake to me since it is a small percentage of your portfolio. Anyway, I would sell it. I would also re-examine the need for a play account if this small loss causes you so much consternation as to ask the opinions of a bunch of strangers on the net. Good Luck!
by leonidas
Tue Jun 23, 2015 7:24 am
Forum: Investing - Theory, News & General
Topic: Small Cap Index - What % of equities?
Replies: 74
Views: 7555

Re: Small Cap Index - What % of equities?

I have about 7% in Small Cap which is a bit less than total market weight. I have a most of my funds in market indexes and the under weight seem to arise from a few legacy Large Caps that I had acquired over the years in my taxable account.
by leonidas
Sat Jun 13, 2015 12:25 pm
Forum: Investing - Theory, News & General
Topic: Fraudulent Charge Debited to Schwab Account
Replies: 25
Views: 2737

Re: Fraudulent Charge Debited to Schwab Account

I seem to have Fraudulent activity against my PedFed CC every year. Last year someone charged airline tickets. This year a supermarket in NH. I usually get a call from PenFed asking me if that was me and the charges are removed from my account and a new card is issued. This will mark the 5th year in...
by leonidas
Fri Jun 12, 2015 3:46 pm
Forum: Personal Consumer Issues
Topic: Do you telecommute?
Replies: 21
Views: 2078

Re: Do you telecommute?

I have been telecommuting for about 8 years now. I do it 3 days a week and I find that I am very productive at home even though sometimes I feel that I miss out on the Camaraderie and face time with my co-workers. The big benefit it the time I save commuting since my job is in NYC and I live in Sout...
by leonidas
Wed May 13, 2015 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Credit Cards are Good
Replies: 46
Views: 4592

Re: Credit Cards are Good

Credit cards are a tool which when properly used are good.
by leonidas
Mon May 11, 2015 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody 50/50?
Replies: 78
Views: 6977

Re: Anybody 50/50?

I am 52/48 at the moment with 26% US, 26% Foreign and 50 Total Bond. I sleep well at night.
by leonidas
Mon May 04, 2015 10:37 am
Forum: Investing - Help with Personal Investments
Topic: REIT: VNQ vs. O
Replies: 10
Views: 1394

Re: REIT: VNQ vs. O

Whats the strategy behind this decision? Why did you choose O as opposed to another REIT? Are you splitting your REIT allocation in equal amounts between these 2? Not enough info to may an informed comment but I would say that is unnecessary. VNQ is plenty diversified on its own.
by leonidas
Tue Apr 21, 2015 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 12888

Re: How much do you pay in Property Taxes?

17K in 675K House 40 minutes from Philly. I am working on my wife to move South of the Mason/Dixon line!
by leonidas
Thu Mar 12, 2015 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Bonus received. But its not what was agreed upon. Advice?
Replies: 61
Views: 5912

Re: Bonus received. But its not what was agreed upon. Advi

All this consternation over 500 bucks? Come on! Get over it and move on.
by leonidas
Mon Mar 02, 2015 10:04 am
Forum: Personal Consumer Issues
Topic: No heat
Replies: 20
Views: 1392

Re: No heat

I have a motor replaced just after Christmas on my heating unit. The Motor was about 180 plus some cage looking apparatus for 60-80 bucks. The labor was 120 for a total of 400 or so.
by leonidas
Thu Feb 26, 2015 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Raise was only 2.44%?
Replies: 49
Views: 5514

Re: Raise was only 2.44%?

I've been with the same company for 20 years. For the last 5 years raises have been pretty weak. Usually 2-2.5%. The better performers get larger bonuses in the 10-12% range.
by leonidas
Wed Feb 25, 2015 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Quiz
Replies: 22
Views: 1554

Re: Tax Quiz

I got 9/10. I missed the IRS question about filing.
by leonidas
Wed Feb 25, 2015 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Checking alternatives to USAA (non-military)
Replies: 8
Views: 1054

Re: Checking alternatives to USAA (non-military)

Schwab Investor Checking or the Fidelity Cash Management Account. Everything free! ATM Reimbursed. These are the best accounts I have utilized.
by leonidas
Tue Feb 24, 2015 6:00 pm
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 9757

Re: Guns for hunting/defense

Mossberg 590 A1. Skip the pistol grip. Holds 9 Rds of 2.75 unless your in the peoples republic of NJ where they limit the capacity to 5. My favorite is the Beretta 92FS Inox. Old design, 15 Rd limit (NJ law) but man it just feels like an extension of your hand (I have big hands). There are lots of ....
by leonidas
Tue Feb 10, 2015 2:39 pm
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 7156

Re: I'm not a bad Boglehead

Same here.
by leonidas
Mon Feb 09, 2015 7:49 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1043
Views: 172298

Re: What Movie Have You Recently Watched?

I took my youngest to see the new Sponge Bob movie in the early afternoon. In the evening, my wife and I saw Fury with Brad Pitt. I enjoyed it.
by leonidas
Fri Feb 06, 2015 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: How much was your Tax Refund (or amount DUE)
Replies: 110
Views: 8615

Re: How much was your Tax Refund (or amount DUE)

I owe about 258 dollars this year to the Feds. Still haven't finished my states (NY,NJ).
by leonidas
Fri Feb 06, 2015 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Unhappy With Job Raise
Replies: 78
Views: 8409

Re: Unhappy With Job Raise

I have been ranked in the 10% of my group each of the last 5 years. Raises have been 1,1.5 ,4 ,2 ,2. Several of our top performers got pretty much the same and ended up leaving. Seems to be the trend here, Stay for a few years, learn something new and then ship out. Its really the best way to increa...
by leonidas
Thu Feb 05, 2015 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Equal Stock/Bond allocation
Replies: 6
Views: 864

Re: Equal Stock/Bond allocation

I have been close to 50/50 for about 7 years now. I like simplicity.
by leonidas
Thu Feb 05, 2015 8:10 am
Forum: Investing - Help with Personal Investments
Topic: GIC's
Replies: 2
Views: 233

Re: GIC's

My employer got rid of our GIC a few years ago stating that there were risks in these products. The were replaced by a set of bond funds with specific maturity dates like 2018, 2020 and 2022. I remember that when I started working there in '94 the guaranteed rate was always greater than the 10 year ...
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: 107
Views: 11506

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 6:35 am
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 79
Views: 5294

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
Thu Jan 29, 2015 10:46 am
Forum: Investing - Help with Personal Investments
Topic: VNQ & VNQI
Replies: 22
Views: 2600

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
Sun Jan 25, 2015 7:50 am
Forum: Personal Consumer Issues
Topic: Reliability of LED televisions?
Replies: 18
Views: 1537

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 7:47 am
Forum: Investing - Theory, News & General
Topic: SCIF vs SCIN vs SMIN
Replies: 2
Views: 305

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
Fri Jan 23, 2015 10:51 am
Forum: Investing - Theory, News & General
Topic: What is your commodities stocks/indexes allocation?
Replies: 20
Views: 1176

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
Wed Jan 21, 2015 11:03 am
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 68
Views: 6432

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

about 29 (1999)
by leonidas
Tue Jan 20, 2015 1:58 pm
Forum: Investing - Theory, News & General
Topic: 529 Plans Reform
Replies: 24
Views: 1531

Re: 529 Plans Reform

Maybe it is time to think about using ROTH's for education expenses.
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: 4172

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
Wed Jan 14, 2015 8:36 am
Forum: Investing - Help with Personal Investments
Topic: which Brokerage do you use...why?
Replies: 33
Views: 2723

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
Tue Jan 13, 2015 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Energy Select Sector SPDR ETF (XLE)??
Replies: 4
Views: 490

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
Fri Jan 09, 2015 7:17 am
Forum: Personal Finance (Not Investing)
Topic: rebalancingact.com
Replies: 5
Views: 867

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
Thu Jan 08, 2015 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Best online checking account
Replies: 52
Views: 6073

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
Tue Jan 06, 2015 6:52 pm
Forum: Investing - Theory, News & General
Topic: REIT predictions for 2015
Replies: 12
Views: 1604

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
Mon Jan 05, 2015 2:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1932
Views: 340488

Re: U.S. stocks in freefall

This is why I also own bonds and Gold.
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: 1695

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
Tue Dec 30, 2014 10:55 am
Forum: Investing - Theory, News & General
Topic: Facebook is Outrageous
Replies: 78
Views: 10474

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
Sun Dec 28, 2014 11:37 am
Forum: Personal Consumer Issues
Topic: Do you usually order (not-free) beverage at restaurants?
Replies: 89
Views: 8182

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
Thu Dec 25, 2014 4:25 pm
Forum: Personal Consumer Issues
Topic: Dentist Bill from 2011
Replies: 62
Views: 4051

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 12:50 pm
Forum: Personal Consumer Issues
Topic: Dentist Bill from 2011
Replies: 62
Views: 4051

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 10:59 am
Forum: Personal Consumer Issues
Topic: Dentist Bill from 2011
Replies: 62
Views: 4051

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
Mon Dec 22, 2014 10:30 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1043
Views: 172298

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
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: 3081

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
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: 3661

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
Mon Dec 15, 2014 11:36 am
Forum: Personal Finance (Not Investing)
Topic: What are your 2015 Financial Goals?
Replies: 102
Views: 9162

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
Fri Dec 12, 2014 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: VXUS [Vanguard Total International Stock Index]
Replies: 15
Views: 1446

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 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Where to place International REIT?
Replies: 9
Views: 1070

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 7:26 am
Forum: Investing - Help with Personal Investments
Topic: Where to place International REIT?
Replies: 9
Views: 1070

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 ...

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