Search found 5320 matches

by leonard
Tue May 24, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Listening to tunes while exercising
Replies: 28
Views: 2093

Re: Listening to tunes while exercising

CD changer in home gym. I hate earphones or buds on or in my ears.
by leonard
Tue May 24, 2016 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Living without a checking account
Replies: 41
Views: 2530

Re: Living without a checking account

I use a local checking account for quick access to liquid cash - primarily for craigslist purchases and as a very liquid/accessible emergency fund.

I write checks against my VG account.
by leonard
Tue May 24, 2016 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: I just shorted the S&P, now what do I do?
Replies: 42
Views: 3872

Re: I just shorted the S&P, now what do I do?

Has there been answer yet as to why the OP bought an option that directly offsets a holding?
by leonard
Sat May 21, 2016 12:08 pm
Forum: Personal Consumer Issues
Topic: Amazon has no head to head competitors?
Replies: 71
Views: 4158

Re: Amazon has no head to head competitors?

With a quick google or bing search, I kind find any of the products online that are cheaper than Amazon. There are a couple odd products that only Amazon had - but that is the exception.
by leonard
Fri May 20, 2016 6:46 pm
Forum: Personal Consumer Issues
Topic: Acting like a boss!
Replies: 21
Views: 1621

Re: Acting like a boss!

How many bosses have this kid had that they can even judge that behavior is that of a boss?
by leonard
Fri May 20, 2016 6:42 pm
Forum: Investing - Theory, News & General
Topic: Any thoughts on this? [Why advisors don't like target funds]
Replies: 21
Views: 2481

Re: Any thoughts on this? [Why advisors don't like target funds]

I believe one adverse feature of target date funds is that by definition the asset location is not optimized. Generally best to use tax advantaged space for bonds and taxable space for equities. Both bonds and equities in same fund means one is possibly not in optimal location. Dave Generally, that...
by leonard
Thu May 19, 2016 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Is my Financial Advisor worth his salt?
Replies: 56
Views: 3229

Re: Is my Financial Advisor worth his salt?

Quick facts about me, mid 30's, earn 150k/year, liquid assets 50k. 401k has around 300k. Homeowner My financial advisor tells me I do not need to invest in traditional IRA since I already max. out my 401k. I find this odd. Is there any truth to what he is saying? He also has me invested in a lot of...
by leonard
Wed May 18, 2016 7:59 pm
Forum: Personal Consumer Issues
Topic: Side hustle: blog/podcasting
Replies: 12
Views: 1504

Re: Side hustle: blog/podcasting

saladdin wrote:When did it become cool to call a part time job a "side hustle"?


You've never hacked a side hustle?
by leonard
Wed May 18, 2016 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: IF YOU TILT small cap, DO YOU PAIR SP500 or TSM with it?
Replies: 43
Views: 2588

Re: IF YOU TILT small cap, DO YOU PAIR SP500 or TSM with it?

IF You Tilt to small cap, do you pair your small cap fund (whichever it may be) with the Total Stock Market or with the SP500? If I am going to tilt, it just seems 'cleaner' to use the SP500 cause you know exactly how much is big and how much is small. The TSM would have an overlap that would muddy...
by leonard
Wed May 18, 2016 1:03 pm
Forum: Personal Consumer Issues
Topic: Side hustle: blog/podcasting
Replies: 12
Views: 1504

Re: Side hustle: blog/podcasting

I love it when I am reading an interesting topic and Pop ups take command of the browser.

OP please don't "monetize" in such annoying ways.
by leonard
Wed May 18, 2016 12:55 pm
Forum: Personal Consumer Issues
Topic: Did your children ever completely move out?
Replies: 53
Views: 3717

Re: Did your children ever completely move out?

Is the real question how to get them to take their stuff? Or, whether to sell the stuff if they won't?
by leonard
Wed May 18, 2016 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: My dilemma ... 1099 or W2. Client assures me no difference.
Replies: 27
Views: 1537

Re: My dilemma ... 1099 or W2. Client assures me no difference.

If they are "saving" 7% by doing this - there is money on the table for you to ask for something more than the $100k they are offering. I'd say at least start with $105k as a counter offer if you consider 1099. Oh, and spend $100 to sit with a CPA. It will really take 5 minutes to answer t...
by leonard
Wed May 18, 2016 12:36 pm
Forum: Personal Consumer Issues
Topic: Elliptical trainer
Replies: 43
Views: 1950

Re: Elliptical trainer

Thinking of buying an elliptical trainer to get back in shape and work out at home. Any recommendations you guys have? Ideally, would like to keep it in the $700-1000 range. Thanks! I'd get a membership to a club that has the exact model you want to buy, to ensure that model works for you. Personal...
by leonard
Tue May 17, 2016 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: "Don't you dare figure it out on your own!"
Replies: 38
Views: 6412

Re: "Don't you dare figure it out on your own!"

That's one of the reasons for the existence of this forum.
by leonard
Mon May 16, 2016 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Do you respond to linkedin recruiters? (Engineer)
Replies: 32
Views: 2684

Re: Do you respond to linkedin recruiters? (Engineer)

I think accepting links from recruiters is a good way to show your connections that you are in demand. Never thought of it that way. I think it's a good way to show your current employer that you are looking to bail from your job :) IMO, many recruiters benefit more from having you as a contact, an...
by leonard
Mon May 16, 2016 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Stock Quesiton: AAPL or FB?
Replies: 21
Views: 1550

Re: Stock Quesiton: AAPL or FB?

I'd suggest not spending 99% of your effort on 1% of your portfolio. Sell it out in a tax efficient manner, then reinvest in your low cost, indexed portfolio.
by leonard
Mon May 16, 2016 8:59 pm
Forum: Personal Consumer Issues
Topic: Elliptical trainer
Replies: 43
Views: 1950

Re: Elliptical trainer

Thinking of buying an elliptical trainer to get back in shape and work out at home. Any recommendations you guys have? Ideally, would like to keep it in the $700-1000 range. Thanks! I'd get a membership to a club that has the exact model you want to buy, to ensure that model works for you. Personal...
by leonard
Mon May 16, 2016 8:57 pm
Forum: Investing - Theory, News & General
Topic: Have you heard of "Motif" investing?
Replies: 9
Views: 1172

Re: Have you heard of "Motif" investing?

I'd recommend staying the course.
by leonard
Mon May 16, 2016 8:50 pm
Forum: Investing - Theory, News & General
Topic: Predicting is hard
Replies: 9
Views: 1096

Re: Predicting is hard

So, people can't predict the future. I'm trying to find the insight here.
by leonard
Mon May 16, 2016 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: IF YOU TILT small cap, DO YOU PAIR SP500 or TSM with it?
Replies: 43
Views: 2588

Re: IF YOU TILT small cap, DO YOU PAIR SP500 or TSM with it?

IF You Tilt to small cap, do you pair your small cap fund (whichever it may be) with the Total Stock Market or with the SP500? If I am going to tilt, it just seems 'cleaner' to use the SP500 cause you know exactly how much is big and how much is small. The TSM would have an overlap that would muddy...
by leonard
Mon May 16, 2016 7:19 pm
Forum: Personal Consumer Issues
Topic: Legal recourse of UPS "import fees"?
Replies: 10
Views: 1080

Re: Legal recourse of UPS "import fees"?

Cindyjrn wrote:Whether you know it or not, you absolutely agree to pay the fees incurred for international shipping when you agree to a company's TOS.


IF it's actually spelled out in the TOS. Important qualification.
by leonard
Mon May 16, 2016 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Do you respond to linkedin recruiters? (Engineer)
Replies: 32
Views: 2684

Re: Do you respond to linkedin recruiters? (Engineer)

I think accepting links from recruiters is a good way to show your connections that you are in demand.
by leonard
Mon May 16, 2016 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Government Law Survivor - having difficulty retiring
Replies: 25
Views: 2536

Re: Government Law Survivor - having difficulty retiring

Consider PT consulting.

In reality - I don't see any downside to waking up everyday and (mostly) having complete control of what one wants to do.
by leonard
Mon May 16, 2016 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Job referrals for friends
Replies: 12
Views: 1278

Re: Job referrals for friends

I want my current employer to believe I am a good judge of talent. So, I only refer people that I believe are excellent hires that are actually fit for whatever position they want to apply. Anything else is a disservice to yourself, your friend, and the company.
by leonard
Mon May 16, 2016 5:42 pm
Forum: Personal Consumer Issues
Topic: buying pet food online
Replies: 38
Views: 1571

Re: buying pet food online

Been using Chewy.com for 4 or 5 years. Have never had a problem. Very easy to suspend the auto ship or change the date. I highly recommend them. I'll second this. The autoship is easy to manage. And, I have yet to have them "accidentally" ship when I have requested a delay. I am actually ...
by leonard
Mon May 16, 2016 5:41 pm
Forum: Personal Consumer Issues
Topic: buying pet food online
Replies: 38
Views: 1571

Re: buying pet food online

I'm just wondering if any of you can recommend a good source for buying pet food online. I have three cats, and a couple of them really like to eat. :shock: I did find chewy.com -- their prices seem pretty good, at least as compared to Petco or Petsmart. And you get free shipping for orders over $4...
by leonard
Thu May 12, 2016 4:49 pm
Forum: Personal Consumer Issues
Topic: Endorsement: Henckels knives
Replies: 32
Views: 3651

Re: Endorsement: Henckels knives

For sharpening I use a wicked edge system (field and sport pro) and love it. Its pretty expensive but I get a mirror smooth edge with the 1000 grit diamond steels and then using some 2000 grit sand paper strips taped over them. I've since added the 1200/1600 grit ceramic stones so I don't need the ...
by leonard
Thu May 12, 2016 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Plans to retire extremely early - 401k?
Replies: 10
Views: 2171

Re: Plans to retire extremely early - 401k?

kosomoto wrote: For the moment, let's ignore the substantially equal payment rule.


Why do we want to ignore this?

You seem to be driving a nail and wanting to ignore something that at least resembles a hammer.

Just want to understand why you want to make the assumption.
by leonard
Thu May 12, 2016 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Is investing only about sound, monetary decisions?
Replies: 16
Views: 1611

Re: Is investing only about sound, monetary decisions?

Investing (hopefully) provides future cash flows to achieve future goals.
by leonard
Thu May 12, 2016 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Why would adding a Roth option to a 401k increase the plan costs?
Replies: 5
Views: 1360

Re: Why would adding a Roth option to a 401k increase the plan costs?

Plan costs could go up due to: 1. Set up costs. Plan doc revisions, notification requirements, setting up company account to accommodate the 401k itself. 2. Ongoing audit/maintenance. Adding Roth - you almost double the complexity of the contributions sent to the Trustee/TPA. However, it really isn'...
by leonard
Thu May 12, 2016 2:32 pm
Forum: Investing - Theory, News & General
Topic: Don't stay the course
Replies: 118
Views: 16367

Re: Don't stay the course

I'm concerned about having too much money for retirement and my other financial goals.
by leonard
Thu May 12, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 212
Views: 20530

Re: Physician Retirement Savings

What action are you planning to take based on this information?
by leonard
Thu May 12, 2016 2:06 pm
Forum: Personal Consumer Issues
Topic: When is cash better than plastic?
Replies: 74
Views: 6584

Re: When is cash better than plastic?

When you get a discount for cash.
by leonard
Wed May 11, 2016 7:00 pm
Forum: Personal Consumer Issues
Topic: Comfortable Vehicle Front Seats
Replies: 56
Views: 9055

Re: Comfortable Vehicle Front Seats

Toyota Matrix.

Better than luxury auto's I have experienced.
by leonard
Wed May 11, 2016 6:58 pm
Forum: Personal Consumer Issues
Topic: Roof (potential) issues and choices (past/present)
Replies: 29
Views: 3623

Re: Roof (potential) issues and choices (past/present)

Okay, but I don't think the said or mean "absolutely no maintenance". That was just your take on it. All roofs should be maintained. But, a good standing seam metal roof will probably outlive all but the youngest of Bolgleheads. I think they meant never mess (never replace) with it again....
by leonard
Wed May 11, 2016 6:51 pm
Forum: Personal Consumer Issues
Topic: Wife loves here new Speed Queen washer/dryer
Replies: 22
Views: 3618

Re: Wife loves here new Speed Queen washer/dryer

Your wife loves them?
by leonard
Fri May 06, 2016 1:47 pm
Forum: Personal Consumer Issues
Topic: Roof (potential) issues and choices (past/present)
Replies: 29
Views: 3623

Re: Roof (potential) issues and choices (past/present)

Metal roof. Then, never, ever have to mess with the roof again. Except if you have a steep roof and can't walk across it unless it is sunny and hot so your shoes will stick to it. Or a scratch that needs painted before rust forms. Or to replace dried out brittle washers on the screws holding down t...
by leonard
Fri May 06, 2016 1:36 pm
Forum: Personal Consumer Issues
Topic: Roof (potential) issues and choices (past/present)
Replies: 29
Views: 3623

Re: Roof (potential) issues and choices (past/present)

Metal roof. Then, never, ever have to mess with the roof again. Except if you have a steep roof and can't walk across it unless it is sunny and hot so your shoes will stick to it. Or a scratch that needs painted before rust forms. Or to replace dried out brittle washers on the screws holding down t...
by leonard
Fri May 06, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Used car vs. new
Replies: 23
Views: 3385

Re: Used car vs. new

Figure out precisely what you want and then monitor craigslist. With patience, you can find extremely low mileage examples at reasonable prices.

Get it inspected. Negotiate. You can come out well ahead of new.
by leonard
Fri May 06, 2016 1:15 pm
Forum: Personal Consumer Issues
Topic: remodel: energy-independent house!
Replies: 36
Views: 2710

Re: remodel: energy-independent house!

There have been many threads about this so I recommend doing a search. A couple I'll mention:

1. Use SIPS (structural insulated panels) for any new structure or add ons.
2. Use a metal roof or similar if you are putting panels up. You don't want to have to pull up solar panels to re-roof later.
by leonard
Fri May 06, 2016 1:09 pm
Forum: Personal Consumer Issues
Topic: Roof (potential) issues and choices (past/present)
Replies: 29
Views: 3623

Re: Roof (potential) issues and choices (past/present)

Metal roof. Then, never, ever have to mess with the roof again.

Oh, and do gutters with Gutter helmet or similar, then go ahead and get rid of your long ladder.

I regret not having gone with metal when we did it 13 years ago.
by leonard
Thu May 05, 2016 12:54 pm
Forum: Personal Consumer Issues
Topic: Duluth Trading Co Clothes Quality, Durability?
Replies: 2
Views: 772

Duluth Trading Co Clothes Quality, Durability?

I recently discovered Duluth Trading company clothing and ordered a few items on a sale. Liking them so far, but wondering about how long they will last.

Anyone have experience with Duluth Trading co clothing? Any issues with quality and durability?
by leonard
Thu May 05, 2016 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Fee's [too high?]
Replies: 60
Views: 4428

Re: Investment Fee's [too high?]

I can't thank you all enough for your advice and support and I hope I can help someone else some day in the future also! Well...I did meet with Chuck and have a check for non IRA investment coming my way. Told him to expect a withdraw of the IRA investment in the next few weeks. BTW he said I was p...
by leonard
Wed May 04, 2016 2:09 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 206
Views: 20650

Re: Soapbox (car safety features)

If safety is the ultimate and only metric, which is implied if these costs are MANDATED, then be far the safest solution with respect to car safety is to never drive. One avoids 100% of those risks if they elect not to drive. Sadly, pedestrian deaths are still on the rise in the U.S., so you can't ...
by leonard
Tue May 03, 2016 9:41 pm
Forum: Personal Consumer Issues
Topic: Buying a New Car...Is it Unwise?
Replies: 68
Views: 6028

Re: Buying a New Car...Is it Unwise?

I don't feel the need to check those things, which frankly seem borderline neurotic. I guess I have more important things to spend time on. If the autopay screws up its not like the lender can blame their broken autopay on me. Once the loan is paid the title shows up at my door. Are you saying that...
by leonard
Tue May 03, 2016 2:10 pm
Forum: Personal Consumer Issues
Topic: Hack for importing into Quickbooks Online?
Replies: 2
Views: 193

Re: Hack for importing into Quickbooks Online?

Forget the name of the product - but check out some software from Bay State Consulting. It can import in to QB. I don't know if it does QBO. But, worth a look.
by leonard
Tue May 03, 2016 2:08 pm
Forum: Personal Consumer Issues
Topic: Buying a New Car...Is it Unwise?
Replies: 68
Views: 6028

Re: Buying a New Car...Is it Unwise?

I don't feel the need to check those things, which frankly seem borderline neurotic. I guess I have more important things to spend time on. If the autopay screws up its not like the lender can blame their broken autopay on me. Once the loan is paid the title shows up at my door. Are you saying that...
by leonard
Mon May 02, 2016 8:39 pm
Forum: Personal Consumer Issues
Topic: Buying a New Car...Is it Unwise?
Replies: 68
Views: 6028

Re: Buying a New Car...Is it Unwise?

Autopay, done. - surprised me to see so many say pay cash. I compare that to the advice often see on the finance board where most do not advice paying mortgage early because can put those funds to us[/i]e. Here it would be a lower rate so I thought same concept I have no idea why anyone would pay c...
by leonard
Mon May 02, 2016 8:37 pm
Forum: Personal Consumer Issues
Topic: Just called Directv and saved $600 for one year
Replies: 46
Views: 4709

Re: Just called Directv and saved $600 for one year

I called Directv to see if I could get a discount off my bill. To my surprise I was able to save $60 month for next year without changing any channels. I was paying a little over $200 month for xtra package and all premium channels. For the next year it will only cost ~ $140. If you have directv I ...

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