Search found 5886 matches

by leonard
Fri Jan 20, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 248
Views: 14821

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: 248
Views: 14821

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
Tue Jan 17, 2017 7:28 pm
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 17
Views: 933

Re: Heavy duty cordless drill/hammerdrill recommendation

everything I buy from now on will have a cord. Too much planned obsolescence with these cordless battery tools.
by leonard
Tue Jan 17, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Quality Shears/Scissors; General Purpose/Kitchen
Replies: 18
Views: 872

Re: Quality Shears/Scissors; General Purpose/Kitchen

Thanks for all the suggestions. Going to take a closer look at all of these.
by leonard
Tue Jan 17, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 248
Views: 14821

Re: Annual Vacation Budget

So why exactly did you chose to call the way that others chose to prioritize their spending ridiculous? Because a great vacation can be had for under say $2k (or less). Spending $15k+ when the FI isn't squared away doesn't seem like the right trade off. So, I also question the value. If one can get...
by leonard
Tue Jan 17, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Anyone rent toys?
Replies: 27
Views: 2638

Re: Anyone rent toys?

I've heard of a few startups where you can sign up for a monthly subscription and they send you a box of toys. I forget the names and some (based on a Google search) are still around, I'm just not sure how they are. It seems like kids (and adults) get sick of toys pretty quickly, some are quite exp...
by leonard
Sat Jan 14, 2017 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 248
Views: 14821

Re: Annual Vacation Budget

I may be one you consider "ridiculous", but I'm sure there are things you spend money on that I would deem ridiculous. Travel is something I enjoy and therefore choose to spend more on that than anything else in my budget. So what's the problem? Is it that I don't value expensive cars, ho...
by leonard
Sat Jan 14, 2017 11:56 pm
Forum: Personal Consumer Issues
Topic: Insurance company "outdoor steps need a railing"
Replies: 56
Views: 7748

Re: Insurance company "outdoor steps need a railing"

Is there really language in standard insurance contracts that give the insurance company carte blanche to dictate safety upgrades over and above what the law dictates? I find that hard to believe. Need to go reread that old contract. Yes. It is the language that lets them drop you as a client if yo...
by leonard
Sat Jan 14, 2017 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Job dilemma
Replies: 24
Views: 1842

Re: Job dilemma

What were your thoughts on relo while applying and interviewing?
by leonard
Thu Jan 12, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: Insurance company "outdoor steps need a railing"
Replies: 56
Views: 7748

Re: Insurance company "outdoor steps need a railing"

Is there really language in standard insurance contracts that give the insurance company carte blanche to dictate safety upgrades over and above what the law dictates? I find that hard to believe. Need to go reread that old contract. Yes. It is the language that lets them drop you as a client if yo...
by leonard
Thu Jan 12, 2017 4:45 pm
Forum: Investing - Theory, News & General
Topic: Bogle worried Vanguard is getting too big
Replies: 68
Views: 11674

Re: Bogle worried Vanguard is getting too big

To me, the Boglehead argument or theory of "just buy index funds" is clearly flawed. If everyone did that, there wouldn't be a properly functioning market for individual stocks. Index fund investing only works if everyone doesn't do it. It doesn't require a very large percent of the marke...
by leonard
Thu Jan 12, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Insurance company "outdoor steps need a railing"
Replies: 56
Views: 7748

Re: Insurance company "outdoor steps need a railing"

Is there really language in standard insurance contracts that give the insurance company carte blanche to dictate safety upgrades over and above what the law dictates? I find that hard to believe.

Need to go reread that old contract.
by leonard
Wed Jan 11, 2017 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to build passive income
Replies: 45
Views: 4283

Re: How to build passive income

Being a landlord is far, far from a passive activity.
by leonard
Wed Jan 11, 2017 9:57 pm
Forum: Investing - Theory, News & General
Topic: Bogle worried Vanguard is getting too big
Replies: 68
Views: 11674

Re: Bogle worried Vanguard is getting too big

To me, the Boglehead argument or theory of "just buy index funds" is clearly flawed. If everyone did that, there wouldn't be a properly functioning market for individual stocks. Index fund investing only works if everyone doesn't do it. It doesn't require a very large percent of the marke...
by leonard
Wed Jan 11, 2017 9:49 pm
Forum: Personal Consumer Issues
Topic: Quality Shears/Scissors; General Purpose/Kitchen
Replies: 18
Views: 872

Re: Quality Shears/Scissors; General Purpose/Kitchen

Can I ask what you use them for in the kitchen? Off hand, I can't think of too many cases where scissors would be preferred over a knife. Maybe for coarse chopping of a bunch of cilantro or herbs? It's in the kitchen and general purpose. In the kitchen, quick cutting jobs like dicing up bacon and p...
by leonard
Wed Jan 11, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3659

Re: Weight machine vs free weight

To be clear - I am not against all fast lifts - just the fast lifts like dumbbell snatch. Dumbbell snatch always struck me as too much about the balancing and technique. I'd think barbell lifts - where balance was somewhat less an issue - made more sense. One-arm dumbbell snatches are definitely ea...
by leonard
Wed Jan 11, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3659

Re: Weight machine vs free weight

Re adjustable dumbbells: I was ready to finalize a purchase on Amazon, and then read a review about weights falling off the Soloflex. That frightened me, but a rack of dumbbells of various weights isn't so great either. Has anyone heard of getting injured with an adjustable dumbbell because of weig...
by leonard
Wed Jan 11, 2017 9:38 pm
Forum: Investing - Theory, News & General
Topic: Burton Malkiel says "Don't Buy Bonds"
Replies: 48
Views: 8688

Re: Burton Malkiel says "Don't Buy Bonds"

A challenge is we do not really know how TIPS would have done. We do know that TIPS can have negative real yield. We do not know how far negative the rates might go. I certainly hope they would have done better than nominal bonds, and I expect they would have, but I do not know that to be true and ...
by leonard
Wed Jan 11, 2017 6:08 pm
Forum: Personal Consumer Issues
Topic: Quality Shears/Scissors; General Purpose/Kitchen
Replies: 18
Views: 872

Re: Quality Shears/Scissors; General Purpose/Kitchen

Can I ask what you use them for in the kitchen? Off hand, I can't think of too many cases where scissors would be preferred over a knife. Maybe for coarse chopping of a bunch of cilantro or herbs? It's in the kitchen and general purpose. In the kitchen, quick cutting jobs like dicing up bacon and p...
by leonard
Wed Jan 11, 2017 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 248
Views: 14821

Re: Annual Vacation Budget

I am going to switch my portfolio over to some 5% front loaded active mutual funds with 3% expense ratios. after all my money and there's no objective underpinning to these financial trade offs, right? If that were true, might the "r" word approach your lips (or keyboard)? I'll go ahead a...
by leonard
Wed Jan 11, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Loan [vs. investing]
Replies: 41
Views: 1874

Re: Auto Loan [vs. investing]

DGE wrote:
leonard wrote:I don't finance cars, hammers, screwdrivers, or any other tools. Pay cash. If you can't afford that - you can't afford the tool.


This is such a radical statement.


Can't tell if serious or sarcastic. Either way - I don't think it too radical. Pretty straightforward.
by leonard
Wed Jan 11, 2017 5:56 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3659

Re: Weight machine vs free weight

Most "fast lift" or swing-type exercises (like kettlebells) seem to compromise form to a great extent and just look like an injury waiting to happen. Plus, am more interested in strength gains and I think there are better options with much safer form. So, I generally don't do those. I pra...
by leonard
Wed Jan 11, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 248
Views: 14821

Re: Annual Vacation Budget

Get FI squared away, take cheaper (but as enjoyable) vacations in the mean time, then go nuts once FI is set. Or, go nuts now, simply dismiss the whole argument as subjective value of "experiences", and don't worry about what some guy on the internet says. I have the last one covered with...
by leonard
Wed Jan 11, 2017 4:09 pm
Forum: Investing - Theory, News & General
Topic: Burton Malkiel says "Don't Buy Bonds"
Replies: 48
Views: 8688

Re: Burton Malkiel says "Don't Buy Bonds"

Talk about mixed messages. All this bond discussion was happening with "Random Walk Down Wall St" in a banner across the bottom of the screen.
by leonard
Wed Jan 11, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 248
Views: 14821

Re: Annual Vacation Budget

Unless folks are independently wealthy and have already won the game and retired - for the most part - these are ridiculous numbers to spend on vacations. I may be one you consider "ridiculous", but I'm sure there are things you spend money on that I would deem ridiculous. Travel is somet...
by leonard
Wed Jan 11, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: Quality Shears/Scissors; General Purpose/Kitchen
Replies: 18
Views: 872

Re: Quality Shears/Scissors; General Purpose/Kitchen

Yooper and El Greco - thanks for the Henckels recommendation - but a failure of henckels scissors is one of the reason for this little quest. Those plastic handles broke. And, I was annoyed to have to throw away perfectly good shears - just because the plastic handles failed. So, I am really lookin...
by leonard
Wed Jan 11, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3659

Re: Weight machine vs free weight

Go with Powerblocks ... No weights have fallen off.... Can you do fast lifts with the Powerblocks? Like one-arm snatches from the ground? Or swings? Just curious. Never tried 'em. Most "fast lift" or swing-type exercises (like kettlebells) seem to compromise form to a great extent and jus...
by leonard
Wed Jan 11, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 248
Views: 14821

Re: Annual Vacation Budget

I think we are having a semantic issue. I honestly don't see anything at all "vague". I gave a concrete example of items I have purchased. Also, it's clear that owning a guitar is less transitory than viewing the Eiffel Tower in person. In general, I'd prefer to own something I can experi...
by leonard
Wed Jan 11, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Quality Shears/Scissors; General Purpose/Kitchen
Replies: 18
Views: 872

Re: Quality Shears/Scissors; General Purpose/Kitchen

The Scissors that came with my Henckels 4 star set that I bought about 10 years ago. Hands-down the best scissors I have ever owned. Just as sharp and precise as the first day I owned them I got these (https://www.amazon.com/gp/product/B0006SSXBY/ref=oh_aui_search_detailpage?ie=UTF8&psc=1) base...
by leonard
Wed Jan 11, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 248
Views: 14821

Re: Annual Vacation Budget

Unless folks are independently wealthy and have already won the game and retired - for the most part - these are ridiculous numbers to spend on vacations. Nah...you'd be shocked how much people spend on eating out in one year. Imagine if those people cut that down to once a week...and opted to cook...
by leonard
Wed Jan 11, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 248
Views: 14821

Re: Annual Vacation Budget

Unless folks are independently wealthy and have already won the game and retired - for the most part - these are ridiculous numbers to spend on vacations. I may be one you consider "ridiculous", but I'm sure there are things you spend money on that I would deem ridiculous. Travel is somet...
by leonard
Wed Jan 11, 2017 2:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 100
Views: 13145

Re: Sad News About a Respected Forum Member

One of the great contributors on this forum.

Sad news.
by leonard
Wed Jan 11, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3659

Re: Weight machine vs free weight

Re adjustable dumbbells: I was ready to finalize a purchase on Amazon, and then read a review about weights falling off the Soloflex. That frightened me, but a rack of dumbbells of various weights isn't so great either. Has anyone heard of getting injured with an adjustable dumbbell because of weig...
by leonard
Wed Jan 11, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3659

Re: Weight machine vs free weight

Dogsplaypoker wrote:I would recommend staying away from free weights.


Why?
by leonard
Wed Jan 11, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Quality Shears/Scissors; General Purpose/Kitchen
Replies: 18
Views: 872

Re: Quality Shears/Scissors; General Purpose/Kitchen

corysold wrote:I just looked at mine in the kitchen and there is metal going into the handle loops. Whether the entire handle loop is metal I couldn't say.

But they've been used basically daily for 10 years and have held up fine.


Thanks for checking.
by leonard
Wed Jan 11, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Loan [vs. investing]
Replies: 41
Views: 1874

Re: Auto Loan [vs. investing]

I don't finance cars, hammers, screwdrivers, or any other tools. Pay cash. If you can't afford that - you can't afford the tool.
by leonard
Wed Jan 11, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Quality Shears/Scissors; General Purpose/Kitchen
Replies: 18
Views: 872

Re: Quality Shears/Scissors; General Purpose/Kitchen

I have a pair of Calphalon kitchen scissors that came with a knife set as a wedding gift. They've been used and abused for 10 years inside and out and still perform very well. I think these are the same ones: https://www.amazon.com/Calphalon-KN9001C-Contemporary-Kitchen-Shears/dp/B00007IT3B Are the...
by leonard
Wed Jan 11, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Thinking of getting tires from Costco
Replies: 63
Views: 4015

Re: Thinking of getting tires from Costco

Have purchased a couple sets from Costco. No issues.

If you have any sort of weird size - call ahead and make sure they have the size in stock, to avoid the second trip.
by leonard
Wed Jan 11, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Quality Shears/Scissors; General Purpose/Kitchen
Replies: 18
Views: 872

Quality Shears/Scissors; General Purpose/Kitchen

Any recommendations on Brand/model of shears for general purpose use and/or kitchen duties? Tired of disposable scissors. In particular, I am tired of: 1. Plastic handles that break. I am fine with plastic over metal, just the pure plastic handles crack. 2. Scissors that don't cut all the way to the...
by leonard
Wed Jan 11, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Keeping kitchen knives sharp
Replies: 54
Views: 3927

Re: Keeping kitchen knives sharp

Wicked Edge Sharpening system.

It's quite expensive - but works extremely well.
by leonard
Tue Jan 10, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: Best Ways to Buy Time
Replies: 68
Views: 7094

Re: Best Ways to Buy Time

What non-work activities do you actually spend the most time on?
by leonard
Tue Jan 10, 2017 4:32 pm
Forum: Investing - Theory, News & General
Topic: Tax-efficient market timing?
Replies: 6
Views: 327

Re: Tax-efficient market timing?

If we know this... We all know market timing is a bad idea, especially without a clear strategy for re-entry. Why would we do this? Let's put that discussion aside for the moment. My question pertains to how to time efficiently. Purely as an academic or theoretical exercise? Or is someone actually e...
by leonard
Tue Jan 10, 2017 4:29 pm
Forum: Investing - Theory, News & General
Topic: Skeptical of the hidden risk in Value - convince me
Replies: 37
Views: 2388

Re: Skeptical of the hidden risk in Value - convince me

But, unless you are going to assert the market pricing mechanism is busted - by definition if an asset class out performs, it has more risk. That's not by definition at all. I think everyone agrees that riskier investments provide the potential for outperformance. That doesn't mean that the reverse...
by leonard
Tue Jan 10, 2017 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: How to politely fire my financial advisor
Replies: 66
Views: 6302

Re: How to politely fire my financial advisor

CAsage wrote:Vanguard, which is getting too big...


By what measure?
by leonard
Tue Jan 10, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: Value investing: you must pay for your lunch -- sometimes a lot.
Replies: 52
Views: 5804

Re: Value investing: you must pay for your lunch -- sometimes a lot.

When considering equity returns, we know that we need to consider the risk consequences. Here's a nice graphic I found illustrating visually just what that looked like for a value investing strategy compared to the S&P 500 benchmark over a recent 40-year period, showing the comparative portfoli...
by leonard
Tue Jan 10, 2017 1:22 pm
Forum: Investing - Theory, News & General
Topic: I am timing the market. Why am I wrong?
Replies: 89
Views: 5713

Re: I am timing the market. Why am I wrong?

OP - perhaps before we provide our critique - can you provide a summary of what the typical Boglehead objections might be to your plan?
by leonard
Tue Jan 10, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 248
Views: 14821

Re: Annual Vacation Budget

I think 'On the way to winning' is more than sufficient. I think on ones way to winning has more risk than having made it - depending on how far away it is. Therefore, I'd hedge my bets and get to the goal - rather than spend some of these numbers every year ($10k, $15k+). Hit the beach or the moun...
by leonard
Tue Jan 10, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 248
Views: 14821

Re: Annual Vacation Budget

Experiences > things. When you are old and grey you will treasure your memories, particularly if they involved family and friends. I don't know. I nice guitar I get to play for hundreds of hours or a Sea Kayak I've paddled a lot would greatly outweigh a trip that begins and ends in a cramped plane ...
by leonard
Tue Jan 10, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3659

Re: Weight machine vs free weight

I'd prioritize the following for freeweights. I'd add items down the list as interest, funds, and space allows. 1. Power Rack, adjustable bench, bar, weights. 2. Powerblock Dumbbells. 3. Glute Ham Raise. 4. Blast Straps 5. Dip station. 6. 45 degree Back Raise. Once you get to this point, you'll know...
by leonard
Mon Jan 09, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 248
Views: 14821

Re: Annual Vacation Budget

Zero dollars. I'd rather spend it on a nice car; at least it doesn't depreciate as quickly as a vacation (which goes to zero as soon as you get home). I notice here that spending a lot on a car is often disparaged, but vacation spending seems more popular. Why is one more wasteful than the other? E...

Go to advanced search