Search found 5671 matches

by leonard
Thu Dec 01, 2016 11:03 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman challenges John Bogle
Replies: 149
Views: 11082

Re: Paul Merriman challenges John Bogle

Merriman has been weighting Small and Value for a very long time now. This is very old news.

Based on the thread title, I thought their beef was finally going to be settled with a cage match.
by leonard
Thu Dec 01, 2016 1:02 pm
Forum: Personal Consumer Issues
Topic: Got a Job offer, can I see 401k options beforehand?
Replies: 81
Views: 6015

Re: Got a Job offer, can I see 401k options beforehand?

...so the fund options shouldn't be as relevant. Worst case, pick the lowest cost options and work with what is given. Quotes like this make me wonder why we collectively spend so much time on this website, if we simply don't care or are willing to make any trade off when the time comes. What we di...
by leonard
Thu Dec 01, 2016 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Feeling like you've "made it"
Replies: 107
Views: 9936

Re: Feeling like you've "made it"

When you can tell someone "no" on any topic, for any reason you want, and your financial future is still secure. Then, you've made it.
by leonard
Tue Nov 29, 2016 11:14 pm
Forum: Personal Consumer Issues
Topic: Got a Job offer, can I see 401k options beforehand?
Replies: 81
Views: 6015

Re: Got a Job offer, can I see 401k options beforehand?

I have spent a lot of time on these forums. Your 401k has a max contribution value. Do you know what health insurance costs? What about salary differences? I've worked at fortune 100 companies and firms with less than 50 people. None had crazy expensive 401k options for index funds. I've heard they...
by leonard
Tue Nov 29, 2016 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: "behavioral" not financial approach to paying down/off credit cards?
Replies: 38
Views: 2608

Re: "behavioral" not financial approach to paying down/off credit cards?

Why not just teach him the right financial behavior versus some other approach?

Just tell him to pay of the highest interest CC's first - and he'll get out of debt paying the least amount of interest. Which is the point.
by leonard
Tue Nov 29, 2016 3:48 pm
Forum: Personal Consumer Issues
Topic: Got a Job offer, can I see 401k options beforehand?
Replies: 81
Views: 6015

Re: Got a Job offer, can I see 401k options beforehand?

However, 401k options would probably be low on my list of things to check out in a job offer. Disagree. Companies won't start changing bad 401k plans unless they have incentive to do so. Also, I personally spend time on this forum because I think that concepts like low cost, index investing should ...
by leonard
Tue Nov 29, 2016 3:45 pm
Forum: Personal Consumer Issues
Topic: Got a Job offer, can I see 401k options beforehand?
Replies: 81
Views: 6015

Re: Got a Job offer, can I see 401k options beforehand?

...so the fund options shouldn't be as relevant. Worst case, pick the lowest cost options and work with what is given. Quotes like this make me wonder why we collectively spend so much time on this website, if we simply don't care or are willing to make any trade off when the time comes. What we di...
by leonard
Wed Nov 23, 2016 9:07 pm
Forum: Personal Consumer Issues
Topic: Got a Job offer, can I see 401k options beforehand?
Replies: 81
Views: 6015

Re: Got a Job offer, can I see 401k options beforehand?

However, 401k options would probably be low on my list of things to check out in a job offer. Disagree. Companies won't start changing bad 401k plans unless they have incentive to do so. Also, I personally spend time on this forum because I think that concepts like low cost, index investing should ...
by leonard
Wed Nov 23, 2016 8:43 pm
Forum: Personal Consumer Issues
Topic: Got a Job offer, can I see 401k options beforehand?
Replies: 81
Views: 6015

Re: Got a Job offer, can I see 401k options beforehand?

However, 401k options would probably be low on my list of things to check out in a job offer. Disagree. Companies won't start changing bad 401k plans unless they have incentive to do so. Also, I personally spend time on this forum because I think that concepts like low cost, index investing should ...
by leonard
Wed Nov 23, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: Got a Job offer, can I see 401k options beforehand?
Replies: 81
Views: 6015

Re: Got a Job offer, can I see 401k options beforehand?

Ask HR for the plan document that includes funds and all fees.

BTW - the structure of the 401k is part of your total compensation, so it's reasonable to ask for this information directly from your Recruiter/HR.
by leonard
Mon Nov 21, 2016 9:38 pm
Forum: Personal Consumer Issues
Topic: Is U District a good option for renting an apartment in Seattle?
Replies: 10
Views: 1200

Re: Is U District a good option for renting an apartment in Seattle?

Last time I was on the Ave was to go to the Neptune. It was even more dumpy than 25 years ago in college.

Anecdotally, the Times reports a lot of homelessness and drug problems. I'd steer clear.

But, if you are really interested, I'd see if you could get the crime stats.
by leonard
Mon Nov 21, 2016 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Do you track your net worth? How long have you done so?
Replies: 110
Views: 7670

Re: Do you track your net worth? How long have you done so?

No. Total net worth is not an actionable number.
by leonard
Mon Nov 21, 2016 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Whole life - 7 "pithy" questions to ask the salesman
Replies: 43
Views: 3735

Re: Whole life - 7 "pithy" questions to ask the salesman

Hi fellow bogleheads! Real specific question here, can you please give me ~7 questions that my daughter (27, working) and her fiancé (26, working in the army soon to be deployed) should ask an (army related, I think ex) salesperson that they are speaking to about a whole life policy. I want them to...
by leonard
Mon Nov 21, 2016 8:20 pm
Forum: Personal Consumer Issues
Topic: Poker Training Software
Replies: 30
Views: 2391

Re: Poker Training Software

dougger5 wrote:...or a decent site that won't try to steer me to some other enterprise?


I'll try to steer you to some other enterprise right here.

You've known about card games and have skipped up until now. I'd keep skipping it.
by leonard
Sat Nov 19, 2016 9:47 am
Forum: Investing - Help with Personal Investments
Topic: I market timed & learned. Any Advice?
Replies: 52
Views: 5278

Re: I market timed & learned. Any Advice?

Zedon wrote:....I might as well do it with an educated guess. Never regretted it. I'm not a frequent trader though.


So, are you saying that with an "educated guess" the average investor can beat the market?
by leonard
Sat Nov 19, 2016 9:41 am
Forum: Personal Consumer Issues
Topic: Energy Efficient Window Fan?
Replies: 20
Views: 1688

Re: Energy Efficient Window Fan?

@leonard - I saw the thread and the fan in question. Thanks for suggesting, but it won't work with our oddball top-hinged windows. re: humidity, I do not for a second doubt that it's central to comfort. I'm actually not sure that we have a way to independently control it, beyond running a dedicated...
by leonard
Sat Nov 19, 2016 9:35 am
Forum: Personal Consumer Issues
Topic: vinyl siding getting warped after painted in darker color
Replies: 18
Views: 1628

Re: vinyl siding getting warped after painted in darker color

My neighbor put in a glare white six foot high solid fence last year made out of some material not found in nature. I kid you not, the glare actually hurt my eyes to the point that I wondered about damage. I asked him if I could paint my side and he said sure. When I checked with the fence company ...
by leonard
Thu Nov 17, 2016 11:16 pm
Forum: Personal Consumer Issues
Topic: Energy Efficient Window Fan?
Replies: 20
Views: 1688

Re: Energy Efficient Window Fan?

You might do a search and find my recent whole house fan thread. Toward the end of that thread, someone posted about a window fan that sounded like a pretty good option, if your house is the right lay out for it. BTW - in addition to temperature - you should consider humidity levels also - when cons...
by leonard
Thu Nov 17, 2016 11:12 pm
Forum: Personal Consumer Issues
Topic: vinyl siding getting warped after painted in darker color
Replies: 18
Views: 1628

Re: vinyl siding getting warped after painted in darker color

cabry wrote:should've not been painted in the first place.


I thought this was the whole point of having vinyl to being with - low/zero maintenance.

Maybe the painter should have known.

Did you know?
by leonard
Mon Nov 14, 2016 2:30 am
Forum: Investing - Theory, News & General
Topic: Merrill Edge VS RobinHood
Replies: 47
Views: 3196

Re: Merrill Edge VS RobinHood

Some may simply be more skeptical of a rebranding exercise. I'm writing for them. As I understand it, the "rebranding" was "Bank of America Discount Brokerage" -> "Merrill Edge". Merrill Lynch was not rebranded, as it still exists and is separate from Merrill Edge. All...
by leonard
Mon Nov 14, 2016 2:22 am
Forum: Personal Consumer Issues
Topic: Installing Solar Panels
Replies: 27
Views: 3451

Re: Installing Solar Panels

Your electric bill is less than $100 a month. I wouldn't go to the trouble or expense for that saving, not to mention the detraction from the appearance of your home and the nuisance of the project ongoing. Gill Solar panels are still considered a mar in 2016? I'll go with function over form every ...
by leonard
Mon Nov 14, 2016 2:19 am
Forum: Personal Consumer Issues
Topic: Most cost-effective way to transport things between Boston and Seattle
Replies: 9
Views: 1059

Re: Most cost-effective way to transport things between Boston and Seattle

Take a look at every item, if you haven't used it in 1 year, consider getting rid of it.
by leonard
Sun Nov 13, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: Looking for recommendations on aerobic exercise equip.
Replies: 55
Views: 2332

Re: Looking for recommendations on aerobic exercise equip.

Concept2 Rower.

Great aerobic exercise. and, stores upright for a reasonably small footprint - assuming you have the ceiling height.
by leonard
Fri Nov 11, 2016 12:38 am
Forum: Personal Consumer Issues
Topic: Looking for recommendations on aerobic exercise equip.
Replies: 55
Views: 2332

Re: Looking for recommendations on aerobic exercise equip.

Concept2 rower. Monitor Craigslist for possible deals.
by leonard
Thu Nov 03, 2016 10:19 pm
Forum: Personal Consumer Issues
Topic: Reasonable Accommodation (Health Related)
Replies: 20
Views: 1978

Re: Reasonable Accommodation (Health Related)

If your wife can spend 3 days in the office, why not five? I'd think if there was a serious problem with scents, etc. that it would by definition be all or nothing. As mentioned by another poster, asthma can be an accumulative condition. It is not necessarily an off and on thing. Reducing exposure ...
by leonard
Tue Nov 01, 2016 6:01 pm
Forum: Personal Consumer Issues
Topic: Reasonable Accommodation (Health Related)
Replies: 20
Views: 1978

Re: Reasonable Accommodation (Health Related)

I'd spend 30 minutes or an hour on an employment attorney to understand your rights. However, one thing doesn't make sense to me - and likely doesn't to the VP and HR. If your wife can spend 3 days in the office, why not five? I'd think if there was a serious problem with scents, etc. that it would ...
by leonard
Tue Nov 01, 2016 5:39 pm
Forum: Personal Consumer Issues
Topic: Instant oatmeal vs "regular" oatmeal
Replies: 76
Views: 6473

Re: Instant oatmeal vs "regular" oatmeal

Life is way, way to short for instant oatmeal. Get whole oats from Bob's Red Mill or elsewhere. Go ahead and let those simmer for the ten extra minutes it takes over instant.

It's ten minutes well spent.
by leonard
Thu Oct 27, 2016 4:25 pm
Forum: Investing - Theory, News & General
Topic: Merrill Edge VS RobinHood
Replies: 47
Views: 3196

Re: Merrill Edge VS RobinHood

The signature guarantee was a huge part of it. It was unnecessary hoops to jump through, a huge time sink, and a tool they (IMO) were using to dissuade people from moving accounts. It took up a lot of time. What evidence do you have that it was for that purpose versus a mismatch in the account titl...
by leonard
Thu Oct 27, 2016 12:18 pm
Forum: Investing - Theory, News & General
Topic: Merrill Edge VS RobinHood
Replies: 47
Views: 3196

Re: Merrill Edge VS RobinHood

I posted a quote from the Merrill Edge website indicating Merrill Lynch does exist and has a role with Merrill Edge. Therefore, Merrill Lynch still exists and is still active and the rep they have accumulated over the years is still relevant. You misinterpreted what I said, but again I have no inte...
by leonard
Thu Oct 27, 2016 12:16 pm
Forum: Investing - Theory, News & General
Topic: Merrill Edge VS RobinHood
Replies: 47
Views: 3196

Re: Merrill Edge VS RobinHood

I wouldn't deal with Merrill Lynch again in a million years. Won't retell my tale - but you can search for it if interested. I did a brief look through your posts. The only thing that jumped out at me was ML requiring a signature guarantee to transfer. Was that it? I can tell you that I have transf...
by leonard
Thu Oct 27, 2016 12:08 pm
Forum: Personal Consumer Issues
Topic: Anyone has experience renting out their car(s) with Turo?
Replies: 22
Views: 2592

Re: Anyone has experience renting out their car(s) with Turo?

Reality is that this issue has existed forever. It basically comes down to when the police call you, you hand over the driver. You would have to talk to a lawyer to try and figure out your liability for big crashe. I know there have been cases where people have gone after parents for their kids act...
by leonard
Thu Oct 27, 2016 12:04 pm
Forum: Personal Consumer Issues
Topic: Anyone has experience renting out their car(s) with Turo?
Replies: 22
Views: 2592

Re: Anyone has experience renting out their car(s) with Turo?

"So Mr. Taojaxx - how exactly did these drugs get in your car?" Said the police at a traffic stop. This is the first scenario that came to my mind and I have thought of another 3 writing this. It's hard to enumerate all the ways this is a bad idea. Like others have mentioned, Uber and Air...
by leonard
Tue Oct 25, 2016 12:32 pm
Forum: Investing - Theory, News & General
Topic: Merrill Edge VS RobinHood
Replies: 47
Views: 3196

Re: Merrill Edge VS RobinHood

The quote I provided above establishes continuity with Merrill Lynch. To repeat: When placing a trade, Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) determines... This quote clearly states Merrill Lynch is still in the mix with Merrill Edge. These entities are not at all remov...
by leonard
Mon Oct 24, 2016 1:30 pm
Forum: Investing - Theory, News & General
Topic: Merrill Edge VS RobinHood
Replies: 47
Views: 3196

Re: Merrill Edge VS RobinHood

I wouldn't deal with Merrill Lynch again in a million years. Won't retell my tale - but you can search for it if interested. Merrill Lynch, or Merrill Edge? If it's the old full-service brokers, then not really relevant to Edge. Same entity - just a name change. Merrill Lynch was purchased by Bank ...
by leonard
Mon Oct 24, 2016 1:10 pm
Forum: Investing - Theory, News & General
Topic: Merrill Edge VS RobinHood
Replies: 47
Views: 3196

Re: Merrill Edge VS RobinHood

I wouldn't deal with Merrill Lynch again in a million years. Won't retell my tale - but you can search for it if interested. Merrill Lynch, or Merrill Edge? If it's the old full-service brokers, then not really relevant to Edge. Earl Same entity - just a name change. EDIT to Add: Taken from their w...
by leonard
Mon Oct 24, 2016 1:07 pm
Forum: Personal Consumer Issues
Topic: Anyone has experience renting out their car(s) with Turo?
Replies: 22
Views: 2592

Re: Anyone has experience renting out their car(s) with Turo?

"So Mr. Taojaxx - how exactly did these drugs get in your car?" Said the police at a traffic stop. This is the first scenario that came to my mind and I have thought of another 3 writing this. It's hard to enumerate all the ways this is a bad idea. "Mr Taojaxx, we can't quite make ou...
by leonard
Sun Oct 23, 2016 11:56 am
Forum: Investing - Theory, News & General
Topic: How to Build A Retirement Paycheck From Your Investments
Replies: 23
Views: 5135

Re: How to Build A Retirement Paycheck From Your Investments

What I am saying is that the idea of buckets has validity. Can't tell if serious. Or you are just putting me on. So, I'll move on. Please don't be insulting. It doesn't add to the discussion. I wouldn't take time to just put you on. If you disagree, just agree to disagree. I don't like to be insult...
by leonard
Sun Oct 23, 2016 11:47 am
Forum: Personal Finance (Not Investing)
Topic: How to co-own and co-occupy home with in laws
Replies: 34
Views: 3205

Re: How to co-own and co-occupy home with in laws

Buy it outright. You finance the remodel/upgrade. Then, rent to them.

If you can't afford to do this - don't enter in to this transaction.

Co-ownership could end up a nightmare.
by leonard
Sun Oct 23, 2016 11:36 am
Forum: Investing - Theory, News & General
Topic: How to Build A Retirement Paycheck From Your Investments
Replies: 23
Views: 5135

Re: How to Build A Retirement Paycheck From Your Investments

What I am saying is that the idea of buckets has validity. Can't tell if serious. Or you are just putting me on. So, I'll move on. Please don't be insulting. It doesn't add to the discussion. I wouldn't take time to just put you on. If you disagree, just agree to disagree. I don't like to be insult...
by leonard
Sun Oct 23, 2016 11:27 am
Forum: Investing - Theory, News & General
Topic: Who disagrees with Jack. . .
Replies: 73
Views: 5456

Re: Who disagrees with Jack. . .

I really don't understand the utility of considering SS as a bond. The issue is what returns are needed to meet expenses after inflation, not some theoretical exercise in determining proper AA. Just subtracting actual/projected SS income reduces the income needed from investments. This is simpler a...
by leonard
Sun Oct 23, 2016 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Financial Planner - Spouse has no interest in investments
Replies: 43
Views: 3433

Re: Financial Planner - Spouse has no interest in investments

In cases where a person has no interest in managing investments - even a simple 3 or 4 fund BH portfolio - I think it's worth trading off some tax efficiency to get simplicity. A 2 fund portfolio - one fund for all taxable (Tax managed balanced or TR or Life Strategy, depending on the anticipated ta...
by leonard
Sun Oct 23, 2016 11:15 am
Forum: Investing - Theory, News & General
Topic: How to Build A Retirement Paycheck From Your Investments
Replies: 23
Views: 5135

Re: How to Build A Retirement Paycheck From Your Investments

nedsaid wrote:What I am saying is that the idea of buckets has validity.


Can't tell if serious. Or you are just putting me on.

So, I'll move on.
by leonard
Sun Oct 23, 2016 9:46 am
Forum: Personal Consumer Issues
Topic: Anyone has experience renting out their car(s) with Turo?
Replies: 22
Views: 2592

Re: Anyone has experience renting out their car(s) with Turo?

"So Mr. Taojaxx - how exactly did these drugs get in your car?" Said the police at a traffic stop. This is the first scenario that came to my mind and I have thought of another 3 writing this. It's hard to enumerate all the ways this is a bad idea. "Mr Taojaxx, we can't quite make ou...
by leonard
Sun Oct 23, 2016 9:40 am
Forum: Personal Consumer Issues
Topic: recs on gas forced air furnace replacement?
Replies: 34
Views: 2584

Re: recs on gas forced air furnace replacement?

Did the research a few years ago and settled on a higher end Bryant. It has worked very well so far - but only a few years in to it.

I may have posted on B'heads about it, so you might search older posts.
by leonard
Sun Oct 23, 2016 9:37 am
Forum: Investing - Theory, News & General
Topic: Merrill Edge VS RobinHood
Replies: 47
Views: 3196

Re: Merrill Edge VS RobinHood

I wouldn't deal with Merrill Lynch again in a million years. Won't retell my tale - but you can search for it if interested.
by leonard
Sun Oct 23, 2016 9:36 am
Forum: Investing - Theory, News & General
Topic: How to Build A Retirement Paycheck From Your Investments
Replies: 23
Views: 5135

Re: How to Build A Retirement Paycheck From Your Investments

I'd hoped that with Lucia out of the picture - we'd be done with buckets. Ray Lucia had a very good concept but he didn't have good enough evidence to back up his assertions how his buckets would have performed in prior bear markets. He was using a matching strategy of matching longer term asset cl...
by leonard
Thu Oct 20, 2016 10:10 pm
Forum: Personal Consumer Issues
Topic: Anyone has experience renting out their car(s) with Turo?
Replies: 22
Views: 2592

Re: Anyone has experience renting out their car(s) with Turo?

"So Mr. Taojaxx - how exactly did these drugs get in your car?" Said the police at a traffic stop.

This is the first scenario that came to my mind and I have thought of another 3 writing this. It's hard to enumerate all the ways this is a bad idea.
by leonard
Thu Oct 20, 2016 10:07 pm
Forum: Investing - Theory, News & General
Topic: How to Build A Retirement Paycheck From Your Investments
Replies: 23
Views: 5135

Re: How to Build A Retirement Paycheck From Your Investments

I'd hoped that with Lucia out of the picture - we'd be done with buckets.
by leonard
Thu Oct 20, 2016 11:39 am
Forum: Personal Consumer Issues
Topic: Duct/Furnace Advice
Replies: 9
Views: 1042

Re: Duct/Furnace Advice

I have a neighbor who is replacing the furnace in his home. The furnace was not used for several years, and he wanted to have the ducts cleaned. A couple of cleaning companies said no because of the age of the unit (built in 70's, asbestos risk). Now he wants to have the ducts replaced on the assoc...
by leonard
Thu Oct 20, 2016 11:33 am
Forum: Investing - Help with Personal Investments
Topic: How do you track your portfolio's performance?
Replies: 40
Views: 2701

Re: How do you track your portfolio's performance?

I don't track the return on my portfolio. It's not an actionable number. +1 For people who use only index funds which should capture the market's performance, what exactly do you do if you track your performance, besides rebalancing? You don't capture the market's performance if you are contributin...

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