Search found 5242 matches

by leonard
Thu Feb 11, 2016 2:59 pm
Forum: Personal Consumer Issues
Topic: Relocating for a job--lots of life changes
Replies: 43
Views: 2572

Re: Relocating for a job--lots of life changes

Why are you required to live in Florida and WAH? Is that where your sales territory would be located?
by leonard
Thu Feb 11, 2016 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: What is your decline in Net Worth as of today?
Replies: 78
Views: 6508

Re: What is your decline in Net Worth as of today?

chabil wrote:As of today our net worth has declined 5.4%
AA is off by 3%.
Trying to see how others are faring. Are you re balancing?


Measured from what date?
by leonard
Thu Feb 11, 2016 2:35 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 71
Views: 9425

Re: Banned from Home Depot Returns

...I do shop there very frequently. I'd change that to used to shop there very frequently. Check out Lowe's, Ace, your local hardware store, or your local lumber yard. In this area, by far the best hardware/DIY store is a local one. As long as we continue to hand them our cash, they think nothing i...
by leonard
Thu Feb 11, 2016 2:31 pm
Forum: Personal Consumer Issues
Topic: Managing kid's internet use
Replies: 35
Views: 2590

Re: Managing kid's internet use

Homework assignments require Internet access. Huh? On any topic I research on the internet - I find a lot of the same surface information. Same bits repeated over and over. I don't find any depth in information or data that qualifies as a basis for research that one might find in text books or scie...
by leonard
Thu Feb 11, 2016 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Time for another job?
Replies: 15
Views: 2639

Re: Time for another job?

"Hi Boss. Got a second to discuss my annual review and what I would need to get a raise and bonus in the next few months?" Ideally, this conversation would have happened about 2 months before review numbers are finalized, when the curve is being set and the boss still has input on the outc...
by leonard
Thu Feb 11, 2016 1:40 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 71
Views: 9425

Re: Banned from Home Depot Returns

Hello, I've been doing a lot of work around my house, and sometimes I will buy an extra few pieces/parts and make the returns to Home Depot. In the past, I've made returns without receipts, and just use the store credits for future purchases. After the new year I traded in AMEX points for a $200 Ho...
by leonard
Thu Feb 11, 2016 1:33 pm
Forum: Personal Consumer Issues
Topic: Managing kid's internet use
Replies: 35
Views: 2590

Re: Managing kid's internet use

How about completely shutting off their internet other than at specific, monitored times?

What value are they really forgoing? One more FB post? One more tweet? Another cute cat video?
by leonard
Tue Feb 09, 2016 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: How to respond to a siblings who gloats over a great stock pick?
Replies: 51
Views: 2931

Re: How to respond to a siblings who gloats over a great stock pick?

I have sibling who is a stock picker rather than an index fund. Recently, he picked a stock that was way down in the dumps, bought 200 shares, and then it went up in value over 10x, and he made a bucket load of money from it. I smiled and nodded...but it's not easy being an index fund investor when...
by leonard
Tue Feb 09, 2016 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) getting killed
Replies: 52
Views: 4957

Re: 401(k) getting killed

It almost doesn't seem to matter what basket of stocks you have, they are taking a beating as of the last few months. Unfortunately my company will only let me invest my 401(k) in mutual funds. If the fund has stocks in it, I am losing money. I think we are heading into a bear market but I only hav...
by leonard
Tue Feb 09, 2016 3:16 pm
Forum: Personal Consumer Issues
Topic: Managing kid's internet use
Replies: 35
Views: 2590

Re: Managing kid's internet use

[...]you are on a fools errand if you think you have the slightest chance of actually monitoring your teenager[...] +1 I was a tween during the reign of Geocities, and I spent more than my fair share of time talking unsupervised with adults on Yahoo! Chat. Only one or two of them were likely pedoph...
by leonard
Tue Feb 09, 2016 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Quest for lower fees: Found lowest cost option yet. Go with it?
Replies: 23
Views: 1420

Re: Quest for lower fees: Found lowest cost option yet. Go with it?

Twins Fan wrote:
leonard wrote:Since this is a finance forum, no one will be offended if you name the other company.


OP is trying to keep it a secret so no one else can get in on that sweet action. :happy


Unnecessary vagueness always makes me think there is more to the question than is being volunteered.
by leonard
Mon Feb 08, 2016 5:48 pm
Forum: Personal Consumer Issues
Topic: Chicken rub
Replies: 34
Views: 2261

Re: Chicken rub

I'm a guy, I'm lazy, I have a decidedly unsophisticated palate.* Anyone use a premixed dry rub on skinless chicken? Care to recommend a brand ... or ... a very quick easy mix? Thanks! :beerCheers, packet * Except when it comes to beer. Generally too much salt in premade rubs. A good chicken or pork...
by leonard
Mon Feb 08, 2016 5:45 pm
Forum: Personal Consumer Issues
Topic: Traveling in Retirement
Replies: 57
Views: 4306

Re: Traveling in Retirement

sambb wrote:Do not put money into index funds if you haven't gone to europe!


"I am eating cat food - but at least I a took some jet-lagged pictures of the Eiffel Tower."
by leonard
Mon Feb 08, 2016 5:42 pm
Forum: Personal Consumer Issues
Topic: Anyone travel without hacking?
Replies: 74
Views: 6559

Re: Anyone travel without hacking?

What's the "hacking" aspect to travel? Generally, tying a purchase to a specific means of financing or paying for that purchase - is always suspect. If a vendor CANNOT provide the discount in a straight cash purchase - then their ability to provide a great deal with the other form of finan...
by leonard
Mon Feb 08, 2016 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Quest for lower fees: Found lowest cost option yet. Go with it?
Replies: 23
Views: 1420

Re: Quest for lower fees: Found lowest cost option yet. Go with it?

Since this is a finance forum, no one will be offended if you name the other company. IMO - it wouldn't be worth the Xfer hassle - assuming you would need to transfer to a new account. If in taxable - definitely not worth sorting through the gains/losses - unless you were going to tax loss harvest e...
by leonard
Sun Feb 07, 2016 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Flagship Investor with 700 credit score ?
Replies: 42
Views: 5179

Re: Flagship Investor with 700 credit score ?

I have not borrowed money in years and pay cc off in full each month. Long time AMEX user it seems they only report pays as needed. The idea of borrowing money I do not need or getting more cc would not be my first choice to raise credit score. Have any others experienced this ? I am longtime bogle...
by leonard
Sun Feb 07, 2016 11:50 am
Forum: Investing - Theory, News & General
Topic: What is your average return?
Replies: 17
Views: 1939

Re: What is your average return?

It's not actionable so I don't calculate it.
by leonard
Sun Feb 07, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: Forced to sell a an expensive vehicle at the wrong time how to handle???
Replies: 23
Views: 2413

Re: Forced to sell a an expensive vehicle at the wrong time how to handle???

i'd hold on to the car until you've been in the position a few months.

Sometimes promos don't workout.
by leonard
Sun Feb 07, 2016 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Grandson working for me-Child labor law?
Replies: 35
Views: 1823

Re: Grandson working for me-Child labor law?

I want to employ my 12 yr old (soon to be 13) in my home building company this summer, doing very easy tasks. Like cleaning and sweeping houses. I want to pay him and teach him the value of hard work and how to manage and value money. Something like $10/hr. I also have offered to match what he make...
by leonard
Sun Feb 07, 2016 11:31 am
Forum: Personal Consumer Issues
Topic: Traveling in Retirement
Replies: 57
Views: 4306

Re: Traveling in Retirement

Not sure how to pose this without coming off somewhat badly... A commonly stated goal for retirement is to spend time traveling. If you hope to enjoy traveling later as a hobby, why not make time for it now? Who knows if we'll make it to retirement anyway? I enjoy traveling and have made choices to...
by leonard
Thu Feb 04, 2016 3:18 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 215
Views: 11289

Re: Do you pay for exercise?

My point is that - for some - simply eating less calories than they burn in a day does not necessarily result in weight loss. Are you really suggesting that someone could consistently burn more calories than they consume (let alone absorb) and yet they don't lose weight? How would that be possible?...
by leonard
Wed Feb 03, 2016 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Child Support and taxes
Replies: 29
Views: 1239

Re: Child Support and taxes

Since this is a tax situation, what does a CPA say?
by leonard
Wed Feb 03, 2016 6:43 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 215
Views: 11289

Re: Do you pay for exercise?

My point is that - for some - simply eating less calories than they burn in a day does not necessarily result in weight loss. I know. I have been there. Diet was on point. 2 hours of fast paced walking (any more intensity would have meant burn out), weight training 3-4 days a week. And, weight loss...
by leonard
Wed Feb 03, 2016 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Taxation of fellowship
Replies: 37
Views: 1521

Re: Taxation of fellowship

don't ask non-tax pros for tax advice That's exactly what I'm doing in this thread :D Seriously, though, my kid wasn't asking for tax advice. My kid was asking the payor how the payor was going to classify the $4,000. Put more directly, my kid asked "Are you going to issue a 1099 or W2 or what...
by leonard
Wed Feb 03, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 215
Views: 11289

Re: Do you pay for exercise?

It doesn't take superior genetics for someone to eat less calories than they burn per day. Spoken like someone that has not had a tough time losing weight. It isn't that simple for some. Ah this is not true - I am 6'3" and I was around 300lbs (30-40% body fat) and suffered from high blood pres...
by leonard
Wed Feb 03, 2016 11:51 am
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 130
Views: 6584

Re: perfectly happy with cable

No way I'm letting a company in to my wallet every month for $200. That really adds up over time. Yup. Compare to paying $50 here for fast internet (100mbps) and $10 for Netflix. $200-$60 = $140. * 12 months = $1680 per year. To safely cover just paying for that increased monthly cost in retirement...
by leonard
Wed Feb 03, 2016 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Taxation of fellowship
Replies: 37
Views: 1521

Re: Taxation of fellowship

My kid asked a bureaucrat at University B if the $4,000 was taxable income... universities to keep students in the dark on tax matters, lest they become worldly or educated or whatever. Another thing your kid should be educated on - don't ask non-tax pros for tax advice. So, in addition to consider...
by leonard
Thu Jan 28, 2016 12:31 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 215
Views: 11289

Re: Do you pay for exercise?

simplesimon wrote:It doesn't take superior genetics for someone to eat less calories than they burn per day.


Spoken like someone that has not had a tough time losing weight. It isn't that simple for some.
by leonard
Thu Jan 28, 2016 12:27 pm
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 130
Views: 6584

Re: perfectly happy with cable

No way I'm letting a company in to my wallet every month for $200. That really adds up over time. Yup. Compare to paying $50 here for fast internet (100mbps) and $10 for Netflix. $200-$60 = $140. * 12 months = $1680 per year. To safely cover just paying for that increased monthly cost in retirement...
by leonard
Thu Jan 28, 2016 12:25 pm
Forum: Investing - Theory, News & General
Topic: Why doesn't Vanguard stay the course?
Replies: 44
Views: 5642

Re: Why doesn't Vanguard stay the course?

Expertise applies when designing search engines and smartphones. Not so much when designing asset allocations. We're all indexers in the end, so I think these conversations boil down to nitpicking. I just like arguing in favor of a single fund. So to your comment, I'm not so sure it's as simple we ...
by leonard
Wed Jan 27, 2016 12:06 pm
Forum: Investing - Theory, News & General
Topic: Why doesn't Vanguard stay the course?
Replies: 44
Views: 5642

Re: Why doesn't Vanguard stay the course?

So you think you can beat an all in one fund. Do you think you can create a better search engine than Google or a better smart phone than Apple? I doubt it, but everyone knows better than Vanguard when it comes to the all in one funds. Well okay, good luck! Expertise applies when designing search e...
by leonard
Wed Jan 27, 2016 11:52 am
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 130
Views: 6584

Re: perfectly happy with cable

No way I'm letting a company in to my wallet every month for $200. That really adds up over time.
by leonard
Wed Jan 27, 2016 11:46 am
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 215
Views: 11289

Re: Do you pay for exercise?

Have a home gym - so the "pay" was/is the upfront cost of buying the equipment and the minimal maintenance.

I'd go with a home gym every time, versus dealing with the other patrons at commercial gyms. Worth every penny.
by leonard
Sun Jan 24, 2016 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: No troll, not a sock puppet just wondering
Replies: 17
Views: 2445

Re: No troll, not a sock puppet just wondering

For someone who is generally risk averse I look around for alternative investment ideas. Such an idea is BDCs. I do not invest in them but interesting, as is group funding. But my question stems from researching IUL policies. They credit interest to accts based on an index. The interest paid genera...
by leonard
Sun Jan 24, 2016 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Help with landlord (neighbor smokes)
Replies: 19
Views: 1916

Re: Help with landlord (neighbor smokes)

Check local ordinances. Some towns have passed laws making any smoking in shared dwellings - apartments, condos, duplexes, etc. - illegal.
by leonard
Fri Jan 22, 2016 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: I hate ETFs!!! [Lessons learned from market not going as expected]
Replies: 68
Views: 6515

Re: I hate ETFs!!! [Lessons learned from market not going as expected]

Warning for the wise: ETF trades are not set-and-forget like mutual funds. I have had a very busy couple of days but was able to put in orders to TLH IEMG to VWO on wednesday using limit orders. Things got busy and it was only today that I could go back and look at my order status. Apparently, the ...
by leonard
Fri Jan 22, 2016 9:52 pm
Forum: Personal Consumer Issues
Topic: Retiring and people seem to avoid me
Replies: 66
Views: 7940

Re: Retiring and people seem to aviod me

[...]Take away the label of "retirement" and people won't have anything to react to.[...] ... or learn something from. Take the case of someone who says he retired at 45. Well, when I ask him how so I can learn from his experience, turns out he "retired" from his last "FTE&...
by leonard
Thu Jan 21, 2016 2:10 pm
Forum: Personal Consumer Issues
Topic: Lithograph/Portrait from photo
Replies: 7
Views: 475

Re: Lithograph/Portrait from photo

Sorry for the loss of your pet. I'd just add one thing. Different people of course process grief differently. I am sure your wife would like such a portrait - but she might not be ready to see it every day. She may never be able to have it hanging around all the time. So, with the gift, I'd also sug...
by leonard
Thu Jan 21, 2016 2:00 pm
Forum: Personal Consumer Issues
Topic: New neighbor turning their house into vacation rental
Replies: 41
Views: 4563

Re: New neighbor turning their house into vacation rental

Basically the title says it all. Old neighbors of 25 years, moved out. New neighbors bought the house with cash (Bay Area). Now they want to turn it into a vacation rental. Everyone on the block is upset, we are in a small semi-rural area, people coming and going doesn't fit with the characteristic...
by leonard
Thu Jan 21, 2016 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Scaling in when Dow drops to...
Replies: 14
Views: 1620

Re: Scaling in when Dow drops to...

What does "scaling" mean in this context?
by leonard
Thu Jan 21, 2016 12:43 pm
Forum: Personal Consumer Issues
Topic: Retiring and people seem to avoid me
Replies: 66
Views: 7940

Re: Retiring and people seem to aviod me

Maybe it is just me but for the people that have retired did you notice this just before you retired. I'm not sure if I'm reading people wrong or not but they seem like they feel sorry for me or are jealous. I'm not sure jealous but it is something. I had a guy I have know for a long time and said ...
by leonard
Thu Jan 21, 2016 12:36 pm
Forum: Personal Consumer Issues
Topic: $139 lease for EV, $0 down, 39 month lease Chevy Spark
Replies: 82
Views: 10778

Re: $139 lease for EV, $0 down, 39 month lease Chevy Spark

Have you ever rented a tool? It is a pretty common practice for specialty automotive tools or for large/expensive home improvement tools. I have not rented a tool where the rental period extended over several years. What kind of hammer is similar cost to this car? Will that hammer grt you to work? ...
by leonard
Thu Jan 21, 2016 12:30 pm
Forum: Personal Consumer Issues
Topic: $139 lease for EV, $0 down, 39 month lease Chevy Spark
Replies: 82
Views: 10778

Re: $139 lease for EV, $0 down, 39 month lease Chevy Spark

I've never financed a hammer - so not sure why I would start financing with this transportation tool. If a top of line android phone can be leased for $10/month, will lease instead of buy? I know I will lease. EVs is more a gadget/electronics less a car. The key reason is battery degrading and tech...
by leonard
Thu Jan 21, 2016 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Going from 50/50 US/Int to All US
Replies: 80
Views: 5200

Re: Going from 50/50 US/Int to All US

What has changed since March 15 of last year? https://www.bogleheads.org/forum/viewtopic.php?f=10&t=165505&p=2491469#p2491469 I just looked over your post history. You seem to have a track record of changing your portfolio after very short periods and perhaps false starts - big gap between 2...
by leonard
Sat Jan 16, 2016 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: How much House can I afford with an income of $98,000? My husband gave me a bizarre number
Replies: 110
Views: 12760

Re: How much House can I afford with an income of $98,000? My husband gave me a bizarre number

Hello. Hopefully someone can give me a hand. My husband's income is $98,000 per year. I'm raising our kids and caring for an aging parent. I found a house that would work well for us--it's $359,900. We have no credit card debt, 2 car payments that amount to $700 per month, and $110,000 saved. The b...
by leonard
Sat Jan 16, 2016 3:32 pm
Forum: Personal Consumer Issues
Topic: Funeral costs
Replies: 76
Views: 9102

Re: Funeral costs

Regarding funeral costs: Relative is in a nursing home with limited funds. Planning to pre-pay funeral costs, which are not included in Medicaid look back. Small town in Mid-West. Funeral Home has been serving the family for 40 years. I would be interested in your comments. Overpriced ? Normal cost...
by leonard
Thu Jan 14, 2016 5:12 pm
Forum: Investing - Theory, News & General
Topic: Systematically buy from Emergency Fund on Dips?
Replies: 44
Views: 2779

Re: Systematically buy from Emergency Fund on Dips?

No.

Investors have a horrible track record timing the market.
by leonard
Thu Jan 14, 2016 4:29 pm
Forum: Investing - Theory, News & General
Topic: Cash Buffer Instead of "Emergency Fund"
Replies: 52
Views: 4392

Re: Cash Buffer Instead of "Emergency Fund"

I recently switched to a new way of handling my liquid savings that works very well for me and helps prevent "mental accounting" associated with bucketing money for different purposes (like an emergency fund). All of my paychecks and income (including dividends and interest from taxable i...
by leonard
Thu Jan 14, 2016 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: What age does LBYM (being a big saver) pay off?
Replies: 81
Views: 9821

Re: What age does LBYM (being a big saver) pay off?

I'm 37 years old. I've been a heavy saver ever since my first job out of college. Yet, on a income versus expenses basis, money is still relatively tight. I could dip into my savings and splurge if I wanted to but that doesn't make any sense because I'd like to increase my net assets. My take today...
by leonard
Thu Jan 14, 2016 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Convincing Dad to Fire the Firm
Replies: 31
Views: 2622

Re: Convincing Dad to Fire the Firm

My parents are in their late 50's and preparing for retirement. Both are diligent savers, but my mom has a pension plus substantial additional savings, my dad's 401k balance is somewhat lacking. His story is similar to many that I've seen on these boards: he trusted Fidelity to manage his 401k fund...

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