Search found 5276 matches

by leonard
Wed May 04, 2016 2:09 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 204
Views: 9503

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: 5231

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: 144

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: 5231

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: 5231

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: 31
Views: 2718

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 ...
by leonard
Mon May 02, 2016 8:35 pm
Forum: Personal Consumer Issues
Topic: I bought the wrong car - know it after 15 days
Replies: 101
Views: 6764

Re: I bought the wrong car - know it after 15 days

Is it ONLY the seats - not the car? You can buy after market seats far less that the haircut you would take on swapping cars..... Have you thought about trying some of those and have someone retro fit them to the car? It is under warranty and that would mess it up - also it seems to be low enough t...
by leonard
Mon May 02, 2016 8:20 pm
Forum: Investing - Theory, News & General
Topic: Buffett goes after fees pushes index funds (again)
Replies: 32
Views: 3737

Re: Buffett goes after fees pushes index funds (again)

I'll be far more interested when Buffett takes on the fees in the Mobile Home mortgage lending market.
by leonard
Mon May 02, 2016 8:15 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 204
Views: 9503

Re: Soapbox (car safety features)

Dutch wrote:
leonard wrote: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.


huh what?


Self explanatory in my mind. Take another read.
by leonard
Mon May 02, 2016 5:56 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 204
Views: 9503

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.
by leonard
Mon May 02, 2016 5:52 pm
Forum: Personal Consumer Issues
Topic: Buying a New Car...Is it Unwise?
Replies: 68
Views: 5231

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

- 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 cash either. The...
by leonard
Mon May 02, 2016 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Fee's [too high?]
Replies: 50
Views: 3041

Re: Investment Fee's [too high?]

Way too expensive.

Look at it this way: though controversial, 4% is considered a safe withdrawal rate for a portfolio. If one was using paying 3% in fees going in to retirement, they'd be giving away 3/4 of their anticipated spending dollars.
by leonard
Mon May 02, 2016 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Negotiating a better 401K experience
Replies: 8
Views: 678

Re: Negotiating a better 401K experience

Hi All, Just a quick update as I mentioned I would let the forum know how it went, based on my talk with the CFO in October at our small (110 person) firm (leveraging the points from the Wiki) we are switching from a high ER 401(K) plan to Vanguard starting next month! Thanks to all who replied to ...
by leonard
Mon May 02, 2016 5:30 pm
Forum: Personal Consumer Issues
Topic: Stopping unwanted "junk" newspaper
Replies: 44
Views: 5129

Re: Stopping unwanted "junk" newspaper

I called the publisher. Had to do it twice. But, they did in fact stop. And, have stopped for 6-7 years.

I think people driving around the neighborhood throwing stuff in my driveway are LITTERERS - and should be charged under the local law for littering. It should be legal and enforced.
by leonard
Mon May 02, 2016 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Offer made on house, now accessory apartment is not "legal"
Replies: 16
Views: 2309

Re: Offer made on house, now accessory apartment is not "legal"

We made, and had accepted, an offer on a house that was presented as having a legal accessory apartment. Now it appears that its legality is questionable. While the town appears to be unclear if it can be used as such, there is no second egress (it is in the mostly sub-grade level). This causes me ...
by leonard
Thu Mar 10, 2016 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Public Health (MPH) as a career choice...
Replies: 19
Views: 1870

Re: Public Health (MPH) as a career choice...

With college acceptance season upon us, I am trying to help my daughter with her major choices. Based on her acceptances, she is trying to decide between : Public Health (she has been accepted into a school where she can possibly get a MPH in 4+1 years) Undergrad Business (Accounting/MIS) (at vario...
by leonard
Wed Mar 09, 2016 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for physician asking for a raise
Replies: 47
Views: 4913

Re: Advice for physician asking for a raise

OP - Interview. Even if you don't get a new job, you will have a good sense of exactly what the market will pay for someone of precisely your skillset. This will give you a baseline to understand your value to your current employer. However, do not use this as direct leverage with your employer - w...
by leonard
Wed Mar 09, 2016 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for physician asking for a raise
Replies: 47
Views: 4913

Re: Advice for physician asking for a raise

W2 physician and raise don't mix. Perhaps if the organization really needs you and tough to recruit your specialty. Otherwise it will not work. You will just make other docs and administrators angry with you. Best to either look for a new job or dial down your productivity (although they will know ...
by leonard
Wed Mar 09, 2016 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for physician asking for a raise
Replies: 47
Views: 4913

Re: Advice for physician asking for a raise

OP - Interview. Even if you don't get a new job, you will have a good sense of exactly what the market will pay for someone of precisely your skillset. This will give you a baseline to understand your value to your current employer. However, do not use this as direct leverage with your employer - wh...
by leonard
Tue Mar 08, 2016 3:43 pm
Forum: Personal Consumer Issues
Topic: Pacific Northwest Vacation
Replies: 26
Views: 1852

Re: Pacific Northwest Vacation

If you want something uniquely Washington - head to the San Juan Islands. Lot's to do - check out mount constitution on Orcas for the view. If you go to the San Juans - plan ahead as summer ferry trips can have big back ups. Alternatively, you could go to Victoria and the Gulf Islands for a similar ...
by leonard
Tue Mar 08, 2016 3:38 pm
Forum: Personal Consumer Issues
Topic: Boating in the Seattle Area
Replies: 9
Views: 971

Re: Boating in the Seattle Area

Consider kayaking or canoeing. You get on the water. You don't scare wildlife - so you see much more. And, you get some exercise. Many places on Lake Washington and the sound to get out and enjoy it. Oh, and a kayak takes up much less space (and less guilt) when it only gets out on the water 2-3 tim...
by leonard
Thu Feb 25, 2016 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of putting aside 401k money for home purchase
Replies: 18
Views: 1634

Re: Thinking of putting aside 401k money for home purchase

countofmc wrote:So I know the rules regarding borrowing from 401k for a home purchase, and I also know it's highly discouraged here, and I get that reasoning.

Thoughts on this idea?


Nope. you pretty much nailed it with your opening sentence.
by leonard
Tue Feb 23, 2016 12:49 pm
Forum: Personal Consumer Issues
Topic: Do I need an awesome smartphone?
Replies: 73
Views: 4656

Re: Do I need an awesome smartphone?

Hi Bogleheads - Lately I've been kicking around the idea of getting an iPhone or one of the popular Samsung smartphones. Why? Well, they seem like pretty neat technology, and I'm kind of a sucker for shiny new toys. But the Boglehead in me is having a hard time justifying this kind of purchase. I c...
by leonard
Tue Feb 23, 2016 12:38 pm
Forum: Personal Consumer Issues
Topic: Managing kid's internet use
Replies: 46
Views: 4153

Re: Managing kid's internet use

I didn't mean research, but even primary sources are found using the internet. The assignments are served up through the school's web site. Communication with the teacher is done through the school's web site. Collaborative projects (e.g., lab reports, group research) are served up through the scho...
by leonard
Mon Feb 22, 2016 6:50 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 16905

Re: Banned from Home Depot Returns

I am just using logic and experience managing financial and technical business processes for a fortune 500 tech company. There's no way that outsourcing a function like that is cost effective. The level of system integration and data sharing between TP vendor and the company simply wouldn't produce...
by leonard
Tue Feb 16, 2016 8:08 pm
Forum: Investing - Theory, News & General
Topic: Stop retirement investing??
Replies: 57
Views: 11680

Re: Stop retirement investing??

I just finished reading stein and demuth's, yes you can get a financial life. Overall it follows the boglehead principles to a t. There were a few things I found concerning. They advocate holding very high percentages of foreign markets, 40% or more in some cases. This seemed REALLY high to me. I a...
by leonard
Mon Feb 15, 2016 10:06 pm
Forum: Personal Consumer Issues
Topic: Managing kid's internet use
Replies: 46
Views: 4153

Re: Managing kid's internet use

I didn't mean research, but even primary sources are found using the internet. The assignments are served up through the school's web site. Communication with the teacher is done through the school's web site. Collaborative projects (e.g., lab reports, group research) are served up through the scho...
by leonard
Mon Feb 15, 2016 10:04 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 16905

Re: Banned from Home Depot Returns

First of all - if this returns control is actually outsourced to a TP vendor - that's one of the most moronic things I have heard. To outsource what amounts to a simple flag on a customer ID/Account is incredibly an incredibly - let's call it - "unintelligent business decision". I don't k...
by leonard
Mon Feb 15, 2016 12:03 pm
Forum: Personal Consumer Issues
Topic: Managing kid's internet use
Replies: 46
Views: 4153

Re: Managing kid's internet use

Homework assignments require Internet access. Huh? On any topic I research on the internet - I find a lot of the same surface information. Same bits repeated over and over. I don't find any depth in information or data that qualifies as a basis for research that one might find in text books or scie...
by leonard
Mon Feb 15, 2016 12:00 pm
Forum: Personal Consumer Issues
Topic: Anyone travel without hacking?
Replies: 103
Views: 11596

Re: Anyone travel without hacking?

What's the "hacking" aspect to travel? Generally, tying a purchase to a specific means of financing or paying for that purchase - is always suspect. If a vendor CANNOT provide the discount in a straight cash purchase - then their ability to provide a great deal with the other form of fina...
by leonard
Sun Feb 14, 2016 4:28 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 222
Views: 14292

Re: Do you pay for exercise?

"Mall walking" has become a new winter activity for me and I hate it. I have been a runner for decades but both my lower back and PCP are conspiring to bring the running to a halt. The doc claims 3 miles of walking is the perfect amount of exercise. Yeah right! I know it's may seem counte...
by leonard
Sun Feb 14, 2016 4:25 pm
Forum: Personal Consumer Issues
Topic: Need cheap cell phone replacemant
Replies: 9
Views: 842

Re: Need cheap cell phone replacemant

Tracphone
by leonard
Sun Feb 14, 2016 4:15 pm
Forum: Personal Consumer Issues
Topic: Managing kid's internet use
Replies: 46
Views: 4153

Re: Managing kid's internet use

Homework assignments require Internet access. Huh? On any topic I research on the internet - I find a lot of the same surface information. Same bits repeated over and over. I don't find any depth in information or data that qualifies as a basis for research that one might find in text books or scie...
by leonard
Sun Feb 14, 2016 4:11 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 16905

Re: Banned from Home Depot Returns

Update: When I wasn't able to initially make the return I did ask to speak to a manager who wasn't helpful at all. They basically deferred to the system, even though I had the receipt. I didn't push too hard since I didn't want to become a nuisance because I do shop there very frequently. ...I do s...
by leonard
Thu Feb 11, 2016 2:59 pm
Forum: Personal Consumer Issues
Topic: Relocating for a job--lots of life changes
Replies: 43
Views: 2981

Re: Relocating for a job--lots of life changes

Why are you required to live in Florida and WAH? Is that where your sales territory would be located?
by leonard
Thu Feb 11, 2016 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: What is your decline in Net Worth as of today?
Replies: 96
Views: 10363

Re: What is your decline in Net Worth as of today?

chabil wrote:As of today our net worth has declined 5.4%
AA is off by 3%.
Trying to see how others are faring. Are you re balancing?


Measured from what date?
by leonard
Thu Feb 11, 2016 2:35 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 16905

Re: Banned from Home Depot Returns

...I do shop there very frequently. I'd change that to used to shop there very frequently. Check out Lowe's, Ace, your local hardware store, or your local lumber yard. In this area, by far the best hardware/DIY store is a local one. As long as we continue to hand them our cash, they think nothing i...
by leonard
Thu Feb 11, 2016 2:31 pm
Forum: Personal Consumer Issues
Topic: Managing kid's internet use
Replies: 46
Views: 4153

Re: Managing kid's internet use

Homework assignments require Internet access. Huh? On any topic I research on the internet - I find a lot of the same surface information. Same bits repeated over and over. I don't find any depth in information or data that qualifies as a basis for research that one might find in text books or scie...
by leonard
Thu Feb 11, 2016 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Time for another job?
Replies: 15
Views: 2757

Re: Time for another job?

"Hi Boss. Got a second to discuss my annual review and what I would need to get a raise and bonus in the next few months?" Ideally, this conversation would have happened about 2 months before review numbers are finalized, when the curve is being set and the boss still has input on the outc...
by leonard
Thu Feb 11, 2016 1:40 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 16905

Re: Banned from Home Depot Returns

Hello, I've been doing a lot of work around my house, and sometimes I will buy an extra few pieces/parts and make the returns to Home Depot. In the past, I've made returns without receipts, and just use the store credits for future purchases. After the new year I traded in AMEX points for a $200 Ho...
by leonard
Thu Feb 11, 2016 1:33 pm
Forum: Personal Consumer Issues
Topic: Managing kid's internet use
Replies: 46
Views: 4153

Re: Managing kid's internet use

How about completely shutting off their internet other than at specific, monitored times?

What value are they really forgoing? One more FB post? One more tweet? Another cute cat video?
by leonard
Tue Feb 09, 2016 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: How to respond to a siblings who gloats over a great stock pick?
Replies: 51
Views: 3260

Re: How to respond to a siblings who gloats over a great stock pick?

I have sibling who is a stock picker rather than an index fund. Recently, he picked a stock that was way down in the dumps, bought 200 shares, and then it went up in value over 10x, and he made a bucket load of money from it. I smiled and nodded...but it's not easy being an index fund investor when...
by leonard
Tue Feb 09, 2016 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) getting killed
Replies: 52
Views: 5325

Re: 401(k) getting killed

It almost doesn't seem to matter what basket of stocks you have, they are taking a beating as of the last few months. Unfortunately my company will only let me invest my 401(k) in mutual funds. If the fund has stocks in it, I am losing money. I think we are heading into a bear market but I only hav...
by leonard
Tue Feb 09, 2016 3:16 pm
Forum: Personal Consumer Issues
Topic: Managing kid's internet use
Replies: 46
Views: 4153

Re: Managing kid's internet use

[...]you are on a fools errand if you think you have the slightest chance of actually monitoring your teenager[...] +1 I was a tween during the reign of Geocities, and I spent more than my fair share of time talking unsupervised with adults on Yahoo! Chat. Only one or two of them were likely pedoph...
by leonard
Tue Feb 09, 2016 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Quest for lower fees: Found lowest cost option yet. Go with it?
Replies: 23
Views: 1550

Re: Quest for lower fees: Found lowest cost option yet. Go with it?

Twins Fan wrote:
leonard wrote:Since this is a finance forum, no one will be offended if you name the other company.


OP is trying to keep it a secret so no one else can get in on that sweet action. :happy


Unnecessary vagueness always makes me think there is more to the question than is being volunteered.
by leonard
Mon Feb 08, 2016 5:48 pm
Forum: Personal Consumer Issues
Topic: Chicken rub
Replies: 34
Views: 2443

Re: Chicken rub

I'm a guy, I'm lazy, I have a decidedly unsophisticated palate.* Anyone use a premixed dry rub on skinless chicken? Care to recommend a brand ... or ... a very quick easy mix? Thanks! :beerCheers, packet * Except when it comes to beer. Generally too much salt in premade rubs. A good chicken or pork...
by leonard
Mon Feb 08, 2016 5:45 pm
Forum: Personal Consumer Issues
Topic: Traveling in Retirement
Replies: 57
Views: 4853

Re: Traveling in Retirement

sambb wrote:Do not put money into index funds if you haven't gone to europe!


"I am eating cat food - but at least I a took some jet-lagged pictures of the Eiffel Tower."
by leonard
Mon Feb 08, 2016 5:42 pm
Forum: Personal Consumer Issues
Topic: Anyone travel without hacking?
Replies: 103
Views: 11596

Re: Anyone travel without hacking?

What's the "hacking" aspect to travel? Generally, tying a purchase to a specific means of financing or paying for that purchase - is always suspect. If a vendor CANNOT provide the discount in a straight cash purchase - then their ability to provide a great deal with the other form of finan...
by leonard
Mon Feb 08, 2016 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Quest for lower fees: Found lowest cost option yet. Go with it?
Replies: 23
Views: 1550

Re: Quest for lower fees: Found lowest cost option yet. Go with it?

Since this is a finance forum, no one will be offended if you name the other company. IMO - it wouldn't be worth the Xfer hassle - assuming you would need to transfer to a new account. If in taxable - definitely not worth sorting through the gains/losses - unless you were going to tax loss harvest e...
by leonard
Sun Feb 07, 2016 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Flagship Investor with 700 credit score ?
Replies: 52
Views: 7007

Re: Flagship Investor with 700 credit score ?

I have not borrowed money in years and pay cc off in full each month. Long time AMEX user it seems they only report pays as needed. The idea of borrowing money I do not need or getting more cc would not be my first choice to raise credit score. Have any others experienced this ? I am longtime bogle...

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