Search found 5934 matches

by leonard
Mon Mar 13, 2017 4:45 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 301
Views: 40128

Re: What is your favorite consumer product?

linenfort wrote:
leonard wrote:Melatonin.

I hope you're not using that every single night.


The concern being?

Not every night but, often.
by leonard
Mon Mar 13, 2017 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Why Wouldn't You Want International Stocks?
Replies: 96
Views: 7889

Re: Why Wouldn't You Want International Stocks?

Bogleheads have this thing which goes something like that "how dare you profess to know anything about the market" So, we agree that we can't predict the market, unless we can? It is simply untenable is to say we can't know anything about any of the markets any of the time . A position th...
by leonard
Mon Mar 13, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 162
Views: 14705

Re: High End Wrist Watches (Gone Crazy)

corn18 wrote:elective surgery fund.


Huh?
by leonard
Thu Feb 09, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: Can Teamviewer be used to spy on my computer files?
Replies: 28
Views: 13830

Re: Can Teamviewer be used to spy on my computer files?

LongDistanceRunner wrote:I hung up the phone.


Problem solved appropriately for someone initiating contact with you.

Teamviewer issue is at best a moot point.
by leonard
Thu Feb 09, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Conversion/Recharacterization symantics
Replies: 22
Views: 1173

Re: Conversion/Recharacterization symantics

These are IRS rules, therefore your CPA should be the one to answer these questions. If they can't, a new CPA is in order.
by leonard
Thu Feb 09, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 151
Views: 22691

Re: Wow, Vanguard Flagship service is bad. Really bad.

2 separate IRA rollovers to Vanguard. The VG rep walked us through it on the phone both times. Confirmed and answered all questions in real time. I was amazed at how smoothly both went. I was expecting more bumps in the process, but there wasn't. My guess is that "paper stock certificate" ...
by leonard
Thu Feb 09, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: OP UPDATE:Getting Rid of Google Search Result??
Replies: 29
Views: 4189

Re: Getting Rid of Google Search Result??

2. Go to the major 'personal data collection type' websites that allow opting out and opt out Since these sites are a bit unscrupulous to begin with, I'd take a cynical view of this step. You see it as "opting out". They may simply see it as confirmation that the information that they hav...
by leonard
Thu Feb 09, 2017 9:25 am
Forum: Personal Consumer Issues
Topic: Saved too much? What do you splurge on?
Replies: 90
Views: 9454

Re: Saved too much? What do you splurge on?

You might consider setting up a charity for a cause in which you have interest. Or, find an existing charity to which you'd like to contribute. Set up your estate to maintain that contribution.
by leonard
Thu Feb 09, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Walmart.com vs. Amazon.com
Replies: 41
Views: 5243

Re: Walmart.com vs. Amazon.com

Not a reason in the world that I can think of that a premium shipping service should be tied to something like video streaming. Personally, I'd buy those 2 services separately. Receive all the benefits of Amazon Prime including FREE Two-Day Shipping for eligible purchases, unlimited streaming of mo...
by leonard
Thu Feb 09, 2017 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Why Wouldn't You Want International Stocks?
Replies: 96
Views: 7889

Re: Why Wouldn't You Want International Stocks?

Bogleheads have this thing which goes something like that "how dare you profess to know anything about the market" So, we agree that we can't predict the market, unless we can? It is simply untenable is to say we can't know anything about any of the markets any of the time . A position th...
by leonard
Tue Feb 07, 2017 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 151
Views: 22691

Re: Wow, Vanguard Flagship service is bad. Really bad.

I have been investing with Vanguard for over 30 years and been Flagship for 20 years. I have just under $10M invested with Vanguard. This week was the first time I have ever had to actually call my flagship rep for help. I came away very dissatisfied and surprised with the lack of professionalism. ...
by leonard
Tue Feb 07, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing House before Investing?
Replies: 4
Views: 511

Re: Purchasing House before Investing?

dsad13 wrote:Retirement: 240k (Almost all Stable Value)


Does this mean retirement accounts - 401k's, IRA's, etc? If so, why is everything in stable value (usually found in 401k's, not IRA's)?

Do you have any investments in IRA's?
by leonard
Tue Feb 07, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 6333

Re: Hardwood floors vs Wood Look Tile?

true hardwood has been classy for 100+ years. Until the owner of said floor has a large circular sander in their hands for the refinish - or they've hired a contractor that is holding one. OP - I have never regretted going with the low maintenance solution. I'd choose tile or some other low mainten...
by leonard
Tue Feb 07, 2017 6:08 pm
Forum: Personal Consumer Issues
Topic: Pet Owners: Bissell 1940 or 1544A Steamer Mop
Replies: 9
Views: 936

Re: Pet Owners: Bissell 1940 or 1544A Steamer Mop

Assuming the cat is house trained, what are they going to do to grout?

What sort of stain is specifically an issue with the cat? food?
by leonard
Tue Feb 07, 2017 5:57 pm
Forum: Investing - Theory, News & General
Topic: Too good to be true? [Bogleheads' model of index investing]
Replies: 48
Views: 5901

Re: Too good to be true? [Bogleheads' model of index investing]

The catch? Take a look at most threads on BH forum from 2007-2008.
by leonard
Tue Feb 07, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: OP UPDATE:Getting Rid of Google Search Result??
Replies: 29
Views: 4189

Re: Getting Rid of Google Search Result??

"Weird what gets posted on online. There must be another Gardener G. Gardener out there somewhere." Overheard said to another employee in the coffee room. Note for those with ethics problems with the above. The statement is not a denial that Gardener did it. Also, there may well be another...
by leonard
Tue Feb 07, 2017 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Why Wouldn't You Want International Stocks?
Replies: 96
Views: 7889

Re: Why Wouldn't You Want International Stocks?

TomCat96 wrote:Bogleheads have this thing which goes something like that "how dare you profess to know anything about the market"


So, we agree that we can't predict the market, unless we can?
by leonard
Tue Feb 07, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Walmart.com vs. Amazon.com
Replies: 41
Views: 5243

Re: Walmart.com vs. Amazon.com

I feel like Amazon Prime for shipping is not really comparable in that the streaming video service that it comes with is where the value is at this point. Not a reason in the world that I can think of that a premium shipping service should be tied to something like video streaming. Personally, I'd ...
by leonard
Tue Feb 07, 2017 3:58 pm
Forum: Investing - Theory, News & General
Topic: A Wellesley alternative
Replies: 93
Views: 8091

Re: A Wellesley alternative

How about the Lifestrategy with the appropriate stock/bond ratio.
by leonard
Thu Feb 02, 2017 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Holding a Relative's Mortgage
Replies: 20
Views: 1505

Re: Holding a Relative's Mortage

I am simply not seeing the benefit. She is financially sound. Nephew has high credit score with easy access to credit. Where's the up side to this?
by leonard
Thu Feb 02, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: Hygrometer recommendation
Replies: 3
Views: 565

Re: Hygrometer recommendation

Control Company is what I use to measure room and guitar cabinet humidity. A couple extra monitors that connect to the base unit - it works great.
by leonard
Thu Feb 02, 2017 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 25503

Re: Annual Vacation Budget

It shouldn't be a big mystery to people why other people may spend more. Agree, if always surprises me that so many people are "surprised" when they learn others spend a lot more than them. Many people are quite wealthy in the US and not surprisingly often spend a fair bit. We are plannin...
by leonard
Thu Feb 02, 2017 10:54 pm
Forum: Personal Consumer Issues
Topic: Pet insurance for new puppy
Replies: 54
Views: 3423

Re: Pet insurance for new puppy

Self Insure. I'd go a step further and say that no one should get a cat, dog or other pet without a fully funded pet emergency fund - that includes the max amount you are willing to spend. Plus, who wants to deal with yet another health insurance provider - understanding what's covered, who pays, su...
by leonard
Tue Jan 31, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone drop out of school in 30's or 40's?
Replies: 34
Views: 3305

Re: Anyone drop out of school in 30's or 40's?

I am 40 years old with 2 small children, make descent money and own 8 rental properties. I have a combined family income of 140k. My wife is in a career were she will move up. My job is more dead end type of job with no promotions and a 2% merit increase till I die. I like my job and the stress lev...
by leonard
Tue Jan 31, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 301
Views: 40128

Re: What is your favorite consumer product?

Melatonin.
Close second, maybe even a tie, Stainless Steel Neti Pot.
by leonard
Tue Jan 31, 2017 3:06 pm
Forum: Investing - Theory, News & General
Topic: Are you changing your AA based on current events?
Replies: 68
Views: 3548

Re: Are you changing your AA based on current events?

Markets have gone up in the last 3 months in anticipation. What specific AA would I move to capitalize on this? Even if I correctly predict the future, I'd also have to accurately predict how the market is going to react. The probability of me correctly predicting a serial chain of events and their ...
by leonard
Tue Jan 31, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Refusing to sign or altering hospital billing admission forms?
Replies: 79
Views: 6162

Re: Refusing to sign or altering hospital billing admission forms?

What it really amounts to is the 'free market' rationing healthcare. I think the issues you described are anything but a "free market". A core element of a free market is pricing transparency. Based on your description and those of others on this thread - pricing is anything but transpare...
by leonard
Tue Jan 31, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Is joining a country club a character flaw?
Replies: 101
Views: 8772

Re: Is joining a country club a character flaw?

I am intrigued by the idea of joining our fancy local country club even though I don't play golf or tennis. I like the idea of having someplace really close that I can go and get dinner, go to the pool, hang out in sort of luxury, and bump into friends and socialize without having to pre-plan. I th...
by leonard
Tue Jan 31, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 25503

Re: Annual Vacation Budget

It shouldn't be a big mystery to people why other people may spend more. Agree, if always surprises me that so many people are "surprised" when they learn others spend a lot more than them. Many people are quite wealthy in the US and not surprisingly often spend a fair bit. We are plannin...
by leonard
Mon Jan 30, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Drivers License May not be good for air travel?
Replies: 47
Views: 4590

Re: Drivers License May not be good for air travel?

No one on this forum should be sans a passport. Get one. You're assuming everyone on this forum has the good health, resources, and desire to travel. I am assuming everyone on the forum is working towards having the resources and having a passport is the best answer to ID questions in America. Whet...
by leonard
Mon Jan 30, 2017 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Parents as dependents on tax return
Replies: 54
Views: 3164

Re: Parents as dependents on tax return

I wouldn't trust tax prep software to capture and enable every single valid tax scenario.

Talk to a CPA. They don't have to actually do your tax prep. But, they can validate that what you are doing in tax prep software is according to tax laws.
by leonard
Mon Jan 30, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Drivers License May not be good for air travel?
Replies: 47
Views: 4590

Re: Drivers License May not be good for air travel?

No one on this forum should be sans a passport. Get one. You're assuming everyone on this forum has the good health, resources, and desire to travel. I am assuming everyone on the forum is working towards having the resources and having a passport is the best answer to ID questions in America. Whet...
by leonard
Mon Jan 30, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: Utilizing a trainer to maintain fitness in retirement
Replies: 39
Views: 2795

Re: Utilizing a trainer to maintain fitness in retirement

I think there is benefit to a qualified trainer to learn and engrain good form on exercises. That's a definite benefit and can avoid injuries in the future. But, past that point, I think it's a waste of money - especially to a person with experience. You know your own body at that point. You can pro...
by leonard
Fri Jan 27, 2017 10:05 pm
Forum: Personal Consumer Issues
Topic: Any Backyard Chefs out there? Do you have any specialties?
Replies: 54
Views: 3615

Re: Any Backyard Chefs out there? Do you have any specialties?

Smoked Pork Shoulder using the Weber Smoky Mountain. Delicious.

Double smoked bacon - using the extra space around the port shoulder and other dishes.
by leonard
Thu Jan 26, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: 75 gallon hot water heaters
Replies: 40
Views: 2865

Re: 75 gallon hot water heaters

If you need that much hot water and have sufficient power supply, I'd get an on demand hot water unit.
by leonard
Thu Jan 26, 2017 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Help, please, on new salary negotiations
Replies: 68
Views: 5436

Re: Help, please, on new salary negotiations

Background: My boss, the second-in-command of a multi-billion dollar non profit, is leaving to take the job as head of another multi-billion dollar non profit in another state. A short plane ride but not drivable. I have worked closely with him for about 9 years. He asked that I come with him. I am...
by leonard
Thu Jan 26, 2017 12:41 am
Forum: Personal Consumer Issues
Topic: Recommendations near Mandalay Bay Convention Center
Replies: 26
Views: 1562

Re: Recommendations near Mandalay Bay Convention Center

In LV - "next door" can be quite a walk. Unless you have free time in the mornings, I'd stay on site at the convention hotel.

In reality, if I was "considering" going to LV for anything and didn't have to - I wouldn't.
by leonard
Thu Jan 26, 2017 12:36 am
Forum: Personal Consumer Issues
Topic: Refusing to sign or altering hospital billing admission forms?
Replies: 79
Views: 6162

Re: Refusing to sign or altering hospital billing admission forms?

If you are serious about mitigating this risk, I'd get the forms from the ER's you would most likely visit in your area. Then, sit down and review them with a lawyer that specializes in healthcare law to understand what your precise obligations are under the forms for each local hospital. This woul...
by leonard
Wed Jan 25, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Possbile career moves without college degree
Replies: 39
Views: 3649

Re: Possbile career moves without college degree

Why are you concerned about "suggesting" something? Did he ask? We have discussed, because he asked, many aspects of his financial situation - and he is very open to such discussions. His employment, compensation, benefits, etc. are very vital to his "financial situation" - both...
by leonard
Wed Jan 25, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Refusing to sign or altering hospital billing admission forms?
Replies: 79
Views: 6162

Re: Refusing to sign or altering hospital billing admission forms?

The odds are that you'll find they're all pretty much the same. And what are you going to do when you have a serious problem and the ambulance insists on taking you to the closest ER? Presumably - when you've screened the ER's in your area - the "closest ER" will be in that net. And, see ...
by leonard
Wed Jan 25, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Refusing to sign or altering hospital billing admission forms?
Replies: 79
Views: 6162

Re: Refusing to sign or altering hospital billing admission forms?

If you are serious about mitigating this risk, I'd get the forms from the ER's you would most likely visit in your area. Then, sit down and review them with a lawyer that specializes in healthcare law to understand what your precise obligations are under the forms for each local hospital. This woul...
by leonard
Wed Jan 25, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: Refusing to sign or altering hospital billing admission forms?
Replies: 79
Views: 6162

Re: Refusing to sign or altering hospital billing admission forms?

If you are serious about mitigating this risk, I'd get the forms from the ER's you would most likely visit in your area. Then, sit down and review them with a lawyer that specializes in healthcare law to understand what your precise obligations are under the forms for each local hospital. This woul...
by leonard
Wed Jan 25, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: Instant Pot - your favorite uses?
Replies: 36
Views: 5280

Re: Instant Pot - your favorite uses?

So, how do you get any browning/searing on meat for flavor? In fact it has a sear button that works very well. From an enginerds point of view, the "pot" is heavy gauge stainless which sits on top of a form fitting, quite powerful heating element with a spring thermostat in the middle. Li...
by leonard
Wed Jan 25, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: Refusing to sign or altering hospital billing admission forms?
Replies: 79
Views: 6162

Re: Refusing to sign or altering hospital billing admission forms?

If you are serious about mitigating this risk, I'd get the forms from the ER's you would most likely visit in your area. Then, sit down and review them with a lawyer that specializes in healthcare law to understand what your precise obligations are under the forms for each local hospital. This would...
by leonard
Tue Jan 24, 2017 11:22 pm
Forum: Personal Consumer Issues
Topic: Instant Pot - your favorite uses?
Replies: 36
Views: 5280

Re: Instant Pot - your favorite uses?

So, how do you get any browning/searing on meat for flavor? In fact it has a sear button that works very well. From an enginerds point of view, the "pot" is heavy gauge stainless which sits on top of a form fitting, quite powerful heating element with a spring thermostat in the middle. Li...
by leonard
Tue Jan 24, 2017 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Possbile career moves without college degree
Replies: 39
Views: 3649

Re: Possbile career moves without college degree

Why are you concerned about "suggesting" something? Did he ask?
by leonard
Mon Jan 23, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: Instant Pot - your favorite uses?
Replies: 36
Views: 5280

Re: Instant Pot - your favorite uses?

So, how do you get any browning/searing on meat for flavor?
by leonard
Fri Jan 20, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Billing Disagreement - Stark Law
Replies: 95
Views: 5850

Re: Medical Billing Disagreement - Stark Law

"How much will this procedure cost? Is it covered by insurance?"

Just in the same way you don't give a mechanic cart blanche to "fix" anything they find without a quote.

That said - that is preposterously expensive for wart removal.
by leonard
Fri Jan 20, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 25503

Re: Annual Vacation Budget

[...]I realize we are talking total budgets here. $15k is a lot of total budget for one year for vacations. I agree. Also, the largest shirt anyone should wear is "Large", which is really too big in itself - any size bigger than that, and you're wasting cloth material :oops: Darn. I hadn'...
by leonard
Fri Jan 20, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 25503

Re: Annual Vacation Budget

[...]I realize we are talking total budgets here. $15k is a lot of total budget for one year for vacations. I agree. Also, the largest shirt anyone should wear is "Large", which is really too big in itself - any size bigger than that, and you're wasting cloth material :oops: Darn. I hadn'...

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