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by leonard
Fri Jul 22, 2016 4:21 pm
Forum: Personal Consumer Issues
Topic: Moving to Seattle from DC
Replies: 22
Views: 1093

Re: Moving to Seattle from DC

if you're thinking 15 minutes, you're going to be extremely limited. If you're thinking 30-45 minutes, you have a lot more options opening up. The reality of traffic and commuting is when the least thing goes wrong, the commute can double. And, I mean the least thing: Mariners/Seahawks Game, excess...
by leonard
Fri Jul 22, 2016 1:52 pm
Forum: Personal Consumer Issues
Topic: Moving to Seattle from DC
Replies: 22
Views: 1093

Re: Moving to Seattle from DC

I think I may have misused the word "Downtown". The job will be more in the north of seattle - close to 500 9th Ave N. If that makes a difference. That's virtually downtown - downtown/first hill-ish. If you draw the 15 minute commute line - then further narrow for prices you can afford (u...
by leonard
Fri Jul 22, 2016 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 118
Views: 10369

Re: Evicting a tenant-Hire lawyer?

Can you get a process server or similar person to schedule an appointment at that office when she is working and just hand the certified letter to her? I do realize process serving and certified letters are different things - but it might worth investigating this option. I'll have to look into it. ...
by leonard
Fri Jul 22, 2016 1:15 pm
Forum: Investing - Theory, News & General
Topic: Are you feeling uncomfortable? [with your investments]
Replies: 35
Views: 3175

Re: Are you feeling uncomfortable? [with your investments]

tennisplyr wrote:There's a saying that goes like this, 'if your not feeling uncomfortable, you are not growing.' What have you done recently with your investments that has made you feel uncomfortable?


Yet another old saying/bit of common sense that doesn't apply to investing.
by leonard
Fri Jul 22, 2016 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 118
Views: 10369

Re: Evicting a tenant-Hire lawyer?

Can you get a process server or similar person to schedule an appointment at that office when she is working and just hand the certified letter to her?

I do realize process serving and certified letters are different things - but it might worth investigating this option.
by leonard
Fri Jul 22, 2016 1:06 pm
Forum: Personal Consumer Issues
Topic: Should I spend 5k annually on travel?
Replies: 58
Views: 3959

Re: Should I spend 5k annually on travel?

Phineas J. Whoopee wrote:$5,000 / $192,000 = 0.026.

Why bother asking?

PJW


5k is 5k, no matter what denominator you throw under it.
by leonard
Fri Jul 22, 2016 1:02 pm
Forum: Personal Consumer Issues
Topic: Moving to Seattle from DC
Replies: 22
Views: 1093

Re: Moving to Seattle from DC

Draw a 15-20 minute "commute line" around your prospective place of work. Realistically - due to traffic, that commute will be double or triple on bad days - even that close in. Then, search within that 20 minute commute line. If you can't afford something that close - don't take the job. ...
by leonard
Thu Jul 21, 2016 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house with a partner with separate assets
Replies: 13
Views: 1229

Re: Buying a house with a partner with separate assets

don't make it complicated (too late!). One person should buy the property. One person should "own" it. Anything else - you are asking for trouble and a long legal battle should things go awry. However, you still of the problem of "tenancy" of the non-owner. So, again, should thin...
by leonard
Thu Jul 21, 2016 3:31 pm
Forum: Personal Consumer Issues
Topic: Do chipped ATM only cards offer more protection vs unchipped?
Replies: 21
Views: 1387

Re: Do chipped ATM only cards offer more protection vs unchipped?

richardglm wrote:..much of it is passed on to the consumer in the form of higher retail prices, higher fees/interest rates, and lower card benefits.


Actually - it can only be "passed on" if the market pricing will bear it.
by leonard
Thu Jul 21, 2016 3:24 pm
Forum: Personal Consumer Issues
Topic: Should I spend 5k annually on travel?
Replies: 58
Views: 3959

Re: Should I spend 5k annually on travel?

I don't believe there to be any "magic" in travel, so I think you should do a hard cost/benefit analysis. Will you really get 5k of benefit from this? if you do this over 5 years - will you really have derived $25k worth of benefit? What's the next most important thing on your list? House ...
by leonard
Thu Jul 21, 2016 3:17 pm
Forum: Personal Consumer Issues
Topic: What really happens to people who run out of their money in retirement
Replies: 48
Views: 5502

Re: What really happens to people who run out of their money in retirement

Every time she said she had identified everything, she would add someone else to the list of people she owed. :oops: .... The one thing I would tell anyone who has parents that might seem to need help is that in some cases they will lie totally and make up false tales to explain their issues. This ...
by leonard
Wed Jul 20, 2016 2:22 pm
Forum: Investing - Theory, News & General
Topic: "How saving too much can make your retirement less satisfying"
Replies: 52
Views: 7364

Re: "How saving too much can make your retirement less satisfying"

The only thing worse than saving too much is saving too little.

And, spending <> "satisfaction".
by leonard
Wed Jul 20, 2016 2:17 pm
Forum: Investing - Theory, News & General
Topic: Remind me once again why I can't time the market?
Replies: 37
Views: 3443

Re: Remind me once again why I can't time the market?

Cause it's impossible to see in to the future.
by leonard
Wed Jul 20, 2016 2:04 pm
Forum: Personal Consumer Issues
Topic: Why did the car salesman stop replying to my emails
Replies: 70
Views: 6143

Re: Why did the car salesman stop replying to my emails

Salesperson is on commission.

In their assessment - they could more likely make a sale by focusing on someone else.
by leonard
Mon Jul 11, 2016 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: closing out credit cards that aren`t used effecting your credit score
Replies: 7
Views: 782

Re: closing out credit cards that aren`t used effecting your credit score

Manage your financial tools to optimize your finances and keep things simple - rather than to optimize some number that we collectively couldn't optimize - even if we wanted to. Then, just let the chips fall where they may.
by leonard
Mon Jul 11, 2016 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: I was "converted" to Federal MM settlement fund
Replies: 4
Views: 467

Re: I was "converted" to Federal MM settlement fund

Last week, the organization account at Vanguard was "converted" from using the Tax Exempt MM fund as the brokerage settlement account to the Federal MM Fund. Very odd. Some of the money in the Tax exempt MM fund seemed to have disappeared for a day or two - before finally showing up in th...
by leonard
Mon Jul 11, 2016 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity advisory service fee issue
Replies: 39
Views: 2626

Re: Fidelity advisory service fee issue

Tax impacts of making the change?

Also, I have a strong feeling that the management fee would stay at .04% when it came time to actually wire $6.5M to vanguard.
by leonard
Mon Jul 11, 2016 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Good Non-Computer Jobs?
Replies: 16
Views: 1779

Re: Good Non-Computer Jobs?

I currently hold a good job. Some companies have very good policies regarding making accomodations to employees. Some also have people (and even departments) devoted to workplace ergonomics. If you current job is good - I thoroughly research company policies on accomodations and benefits available ...
by leonard
Sat Jul 09, 2016 2:42 pm
Forum: Personal Consumer Issues
Topic: Buying used car in the Pacific Northwest
Replies: 11
Views: 725

Re: Buying used car in the Pacific Northwest

You will probably want a car to explore the area, not everything is reachable by public transportation. Re-the manual transmission. I was born and raised in Seattle, and yes, learned to drive on a car with a manual transmission, and had an Acura with a manual transmission in the late 80's. Never ag...
by leonard
Sat Jul 09, 2016 2:19 pm
Forum: Personal Consumer Issues
Topic: Home inspection items for repair
Replies: 32
Views: 1780

Re: Home inspection items for repair

I'd go for a discount to cover these items. Also, mold in the attic seems like a deal breaker. It's probably from the BR fan venting in there, but it also could be inadequate ventilation. How precisely does someone remove all mold from an attic? Scrape all surfaces? "Treat" all surfaces wi...
by leonard
Sat Jul 09, 2016 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Happiness
Replies: 94
Views: 10873

Re: Money vs. Happiness

Since when????? If you want to have kids I would NOT be waiting till 35 or later to get married. You are already into high risk pregnancy age at 35 ("advanced maternal age" in medical terminology). Perhaps the OP is male. High risk pregnancy becomes less an issue if so. You are taking my ...
by leonard
Fri Jul 08, 2016 10:25 pm
Forum: Personal Consumer Issues
Topic: Buying used car in the Pacific Northwest
Replies: 11
Views: 725

Re: Buying used car in the Pacific Northwest

Hi everyone. I am planning on relocating to the Seattle area from New York City in October. I know I will definitely buy a car. I know some of you say a car is not needed in Seattle, but I probably won't live right in the city and I really miss driving so I want one. But for me a car is just someth...
by leonard
Fri Jul 08, 2016 10:19 pm
Forum: Personal Consumer Issues
Topic: Ransomware Attack
Replies: 17
Views: 2052

Re: Ransomware Attack

If the computer acts normally until you start Edge, I'd guess the malware isn't actually on the computer, only on a web page that pops up the threatening messages which probably got set as your home page. Try disconnecting the computer from the network and then starting Edge. When you do that, the ...
by leonard
Fri Jul 08, 2016 10:16 pm
Forum: Personal Consumer Issues
Topic: resort fees at hotels mandatory?
Replies: 34
Views: 2790

Re: resort fees at hotels mandatory?

Negotiate it up front. If you get it removed - pay cash so it can't be snuck back on to your bill after the fact.
by leonard
Fri Jul 08, 2016 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Happiness
Replies: 94
Views: 10873

Re: Money vs. Happiness

30 is too young to be considering marriage anyway. Since when????? If you want to have kids I would NOT be waiting till 35 or later to get married. You are already into high risk pregnancy age at 35 ("advanced maternal age" in medical terminology). Perhaps the OP is male. High risk pregna...
by leonard
Fri Jul 08, 2016 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Happiness
Replies: 94
Views: 10873

Re: Money vs. Happiness

What specifically is the issue with your social life? While I wouldn't consider myself a city-slicker, I do miss some of the amenities offered by living in a larger metropolis (better selection of bars/restaurants and access to concerts/sporting events/cultural activities). More specifically, the d...
by leonard
Fri Jul 08, 2016 10:06 pm
Forum: Personal Consumer Issues
Topic: Hiking questions
Replies: 154
Views: 7732

Re: Hiking questions

4-6 hours? I'd start with: 1. 10 essentials (look it up) 2. Knife. 3. Trek poles. It's easier to have them and not need them. They come in handy all the time - even in tame terrain. 4. Wicking clothing. 5. Light Hikers. I use Salomon Trail running shows as hikers. They work fine and I don't really m...
by leonard
Sun Jul 03, 2016 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Happiness
Replies: 94
Views: 10873

Re: Money vs. Happiness

Pack away the money while you have this prime earning opportunity. 30 is too young to be considering marriage anyway. Get stable. Accumulate some money. "Socialize" on your long vacations. and don't let the lack there of throw you off. Get a pre-nup when the time comes, otherwise 1/2 this...
by leonard
Sun Jul 03, 2016 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Happiness
Replies: 94
Views: 10873

Re: Money vs. Happiness

30 is too young to be considering marriage anyway. Since when????? If you want to have kids I would NOT be waiting till 35 or later to get married. You are already into high risk pregnancy age at 35 ("advanced maternal age" in medical terminology). Perhaps the OP is male. High risk pregna...
by leonard
Sat Jul 02, 2016 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Happiness
Replies: 94
Views: 10873

Re: Money vs. Happiness

What specifically is the issue with your social life? While I wouldn't consider myself a city-slicker, I do miss some of the amenities offered by living in a larger metropolis (better selection of bars/restaurants and access to concerts/sporting events/cultural activities). More specifically, the d...
by leonard
Sat Jul 02, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: How best to take little kids sightseeing?
Replies: 37
Views: 2301

Re: How best to take little kids sightseeing?

The only thing they seemed to enjoy is tree climbing and chasing the pigeons in the park :oops: Perhaps the Louvre waits a couple years and you go with what obviously works as you pointed out. If the goal is not a forced culture march and the main goal is to enjoy the vacation - what's the downside?
by leonard
Sat Jul 02, 2016 8:32 pm
Forum: Personal Consumer Issues
Topic: Puerto Rico Yoga Retreat - Casa Grande
Replies: 3
Views: 433

Re: Puerto Rico Yoga Retreat - Casa Grande

skepticalobserver wrote:My wife is considering a yoga retreat at the Casa Grande Mountain Retreat in Puerto Rico. Has anybody had experience with this place?

Thanks


I hear it's big. Really big.
by leonard
Sat Jul 02, 2016 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Handling "drive-by" doctoring bills following surgery?
Replies: 61
Views: 5713

Re: Handling "drive-by" doctoring bills following surgery?

Call them. Have a conversation. It will be immediately evident whether they really did anything.
by leonard
Sat Jul 02, 2016 8:25 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 40
Views: 2967

Re: What is the best home exercise equipment?

Power Rack. EliteFTS, Rogue, Texas Strength Systems have great set ups if you only want to buy new.
by leonard
Sat Jul 02, 2016 8:15 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 145
Views: 8624

Re: How many of you have cut cord?

No way am I committing an ongoing $100+ month for something that is free over the air or online. Much of what is on cable is not free online, unless you mean by illegal means not to be discussed here?!? That said, you can get some of what is on cable free. E.g. I watch Game of Thrones on DVD from m...
by leonard
Fri Jul 01, 2016 3:47 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 145
Views: 8624

Re: How many of you have cut cord?

Have never had a cable cord.

No way am I committing an ongoing $100+ month for something that is free over the air or online.
by leonard
Thu Jun 30, 2016 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: BREXIT - Invest tomorrow?
Replies: 68
Views: 9877

Re: BREXIT - Invest tomorrow?

WWBHD?
by leonard
Fri Jun 24, 2016 6:36 pm
Forum: Personal Consumer Issues
Topic: I went to the store today (athletic store) that was going out of business
Replies: 18
Views: 2224

Re: I went to the store today (athletic store) that was going out of business

I was going to buy some new stuff for summer anyway. Lots of things I needed, like soccer cleats for the kids, some hiking gear for me, some running gear for my wife. I was going to spend the money, had planned for this and had been saving up, because I was going to spend a bit... Anyway, turns out...
by leonard
Fri Jun 24, 2016 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Coaches?
Replies: 52
Views: 3799

Re: Retirement Coaches?

I'm surprised by most of the responses to this thread which border on sophomoric - not typical of this forum. On the other hand, it's good to know that the folks here think they've got it all covered, with nothing left to learn. Snap! :twisted: I suspect the push-back you're getting is due to the p...
by leonard
Fri Jun 24, 2016 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Coaches?
Replies: 52
Views: 3799

Re: Retirement Coaches?

Work. Don't go there anymore.
by leonard
Fri Jun 24, 2016 5:17 pm
Forum: Personal Consumer Issues
Topic: Dog attacked by another dog
Replies: 91
Views: 4721

Re: Dog attacked by another dog

mirror wrote:I was not going to try to get in the middle so I kept a hold of the leash, but backed away as far as I could to avoid personal injury (both dogs are 60+lbs).


You have got to be kidding.

Carry a "walking stick". A pocket knife. Get a concealed carry permit. Be prepared to do something.
by leonard
Sat Jun 18, 2016 4:46 pm
Forum: Personal Consumer Issues
Topic: Leasing a car at age 23
Replies: 51
Views: 3286

Re: Leasing a car at age 23

njoyingdajourney wrote:You may decide to never buy used again if you buy a used lemon. & get fired cause your car keeps breaking down making you late.


That's a quite a straw man.
by leonard
Sat Jun 18, 2016 1:45 pm
Forum: Personal Consumer Issues
Topic: Leasing a car at age 23
Replies: 51
Views: 3286

Re: Leasing a car at age 23

Financing (the lease in this case) shouldn't determine the purchase decision.

Determine what reliable, reasonably priced car meets your needs. Watch Craigslist and ads for that car to come up used with low miles and a reasonable price. Pay cash.

As with investing, keep it simple.
by leonard
Sat Jun 18, 2016 12:53 pm
Forum: Personal Consumer Issues
Topic: Whole House Fan; Brand? Considerations?
Replies: 42
Views: 2288

Re: Whole House Fan; Brand? Considerations?

Thanks Everyone for the input. It was extremely helpful to understanding and evaluating the purchase. I have placed an order for an Airscape Fan 2.5e-XR (extra insulation) model. I can report back on the product, install and performance once I have had it for a bit through some hot spells. Awesome!...
by leonard
Fri Jun 17, 2016 5:53 pm
Forum: Personal Consumer Issues
Topic: To paint our wood trim or not?
Replies: 82
Views: 4343

Re: To paint our wood trim or not?

I read and didn't see:

Is this inside or outside trim?
by leonard
Fri Jun 17, 2016 5:29 pm
Forum: Personal Consumer Issues
Topic: Whole House Fan; Brand? Considerations?
Replies: 42
Views: 2288

Re: Whole House Fan; Brand? Considerations?

Thanks Everyone for the input. It was extremely helpful to understanding and evaluating the purchase.

I have placed an order for an Airscape Fan 2.5e-XR (extra insulation) model. I can report back on the product, install and performance once I have had it for a bit through some hot spells.
by leonard
Thu Jun 16, 2016 8:33 pm
Forum: Personal Consumer Issues
Topic: General Negotiating Tips
Replies: 72
Views: 7262

Re: General Negotiating Tips

"Getting More" by Stuart Diamond. Read it. Then practice it. It works very well.
by leonard
Wed Jun 15, 2016 9:01 pm
Forum: Investing - Theory, News & General
Topic: 60:40 is dead: Charles Sizemore
Replies: 51
Views: 6013

Re: 60:40 is dead: Charles Sizemore

That portfolio looks suspiciously like one that would "require" MR Sizemore's services - or those of another stock Broker....I mean financial advisor.

Keep it simple.
by leonard
Wed Jun 15, 2016 8:51 pm
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 8428

Re: Would you pay 6x face value to see Hamilton on Broadway?

No.

I simply can't take a musical about Hamilton seriously. Just can't get there.
by leonard
Wed Jun 15, 2016 5:33 pm
Forum: Personal Consumer Issues
Topic: How many activities for your kids?
Replies: 70
Views: 4993

Re: How many activities for your kids?

Why not underschedule by default? Then, see what spare time looks like. It's easier to reset expectations to ramp up than to take away activities. We actually found taking away activities quite easy with our kids. They quickly learned what they were and were not interested in and the conversations ...

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