Search found 386 matches

by leonidas
Mon Feb 20, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Utility Bills - How do ours compare?
Replies: 37
Views: 2621

Re: Utility Bills - How do ours compare?

4 people...NJ, 4800 sq/ft, Gas and Elect 404/mo on equal payment plan.
Well and Septic. about 100 yr for salt and 125 for annual maintenance.
Every 3-4 years I get the septic tank cleaned out for 300.
by leonidas
Thu Feb 16, 2017 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help with ROTH conversion
Replies: 5
Views: 193

Re: Help with ROTH conversion

DSInvestor hit the nail on the head. 8606 was not done. Now all is good with TT. Thanks all!
by leonidas
Thu Feb 16, 2017 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Help with ROTH conversion
Replies: 5
Views: 193

Help with ROTH conversion

Hey Guys! I have an issue that's been discussed before but I cant get Turbo Tax correct. I Contributed (non-deductible) to my tIRA and then converted to ROTH the next day. I got my 1099-R from Schwab and entered it in TT. Answered all the questions and checked off that I converted to ROTH. It told m...
by leonidas
Thu Feb 09, 2017 4:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 251
Views: 9049

Re: Your USER NAME...what does it mean?

neurosphere wrote:
My father is also greek and from near Sparta (Kyparissia). But I don't look like Gerard Butler.


The resemblance is from the neck up...from the neck down I'm more like his dad.
by leonidas
Thu Feb 09, 2017 4:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 251
Views: 9049

Re: Your USER NAME...what does it mean?

Leonidas, king of the Spartans. My father is Greek from near Sparta. Also, I do bear a resemblance to Gerard Butler who played the King in "300" so I go that too.
by leonidas
Tue Jan 10, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in old stock certificate
Replies: 5
Views: 707

Re: Cash in old stock certificate

It's only 1 share. :(
I used to have it as part of a DRIP.
I cant remember why I ended up with a physical share though.
by leonidas
Sun Jan 08, 2017 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in old stock certificate
Replies: 5
Views: 707

Cash in old stock certificate

I was cleaning out some old files and I found a share of bankers trust stock. They were bought out by deutche bank in 1999. Can I still cash it in this late?
by leonidas
Sun Jan 08, 2017 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Work in NY live in NJ
Replies: 10
Views: 989

Re: Work in NY live in NJ

I work in NYC and live in NJ. While you do get a credit of the NY taxes paid to NY state on your NJ return, it is not dollar for dollar. Its more like a percentage. The more you make though, the less the percentage. This past year I got a credit of something like 65% of the tax I paid to NY. So I st...
by leonidas
Fri Jan 06, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 23270

Re: Annual Vacation Budget

Family of 4 about 10k a year. We usually do one big trip in the summer. Last year my wife and kids spent the entire summer in Greece with her mother and I came for the last 2 weeks. Saved a ton on hotels that way. Most years its 8-9 days in the Caribbean or Mexico. We do lots of day trips too, like ...
by leonidas
Thu Oct 13, 2016 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Who is a true Boglehead?!
Replies: 38
Views: 2690

Re: Who is a true Boglehead?!

They will let you slide with just one missed step :D
by leonidas
Thu Sep 01, 2016 4:57 pm
Forum: Personal Consumer Issues
Topic: Currently in Austin, TX and New Job Opportunity in NJ - Good to take?
Replies: 26
Views: 2399

Re: Currently in Austin, TX and New Job Opportunity in NJ - Good to take?

I live in Jersey and am counting the days till I move to Texas. Not Austin, but close. Just got to convince the wife.
by leonidas
Fri Jul 15, 2016 11:50 am
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 168
Views: 13571

Re: What kind of car do Bogleheads like to drive?

I have a 2007 Hyundai Sonata (bought new) and the wife a 2012 Honda Pilot (bough used in 2013).
by leonidas
Fri May 13, 2016 7:58 am
Forum: Personal Consumer Issues
Topic: How much do you give your church for your membership?
Replies: 57
Views: 2864

Re: How much do you give your church for your membership?

Our church (Greek Orthodox) moved to a stewardship model about 6 years ago. They recommended 2% of family income as the suggested level. We do about 2400 a year which is much less than the recommendation but we also make extra contributions during Easter and Christmas which brings the total to about...
by leonidas
Fri Mar 04, 2016 7:22 am
Forum: Personal Finance (Not Investing)
Topic: How close do you plan on waiting to pay for Income Tax?
Replies: 34
Views: 3017

Re: How close do you plan on waiting to pay for Income Tax?

I use Turbo Tax and finished my taxes on 3/01. I owe 319 to the feds and getting 1k back from the state. Planning on e-filing today. A couple of years ago, we owed the feds 3500, so I waited until the last minute to file.
by leonidas
Mon Feb 29, 2016 3:08 pm
Forum: Personal Consumer Issues
Topic: Is Working from Home the New Normal?
Replies: 57
Views: 6367

Re: Is Working from Home the New Normal?

I have been working from home for about 9 years now. In the office only Monday and Wednesday. I am super productive without the distractions but sometimes I miss going out after work for drinks with the team. Anyway, I would never work at a job that did not provide Tele-Commuting in the future unles...
by leonidas
Fri Feb 19, 2016 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Playing Financial Defense- HELOC?
Replies: 11
Views: 1063

Re: Playing Financial Defense- HELOC?

I got 100K from Schwab (through Quicken Loans). No Costs at all. Completed in a couple of weeks.
by leonidas
Thu Feb 04, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 137
Views: 12058

Re: Sibling's destination wedding?

I have been invited to multiple destination weddings over the years. I never attended any of them except for one in Vegas which is where they moved too. I had my in-laws watch my kids and the flight was pretty cheap so it was no hardship so the wife and I made an extended trip out it. The other was ...
by leonidas
Thu Jan 21, 2016 10:02 am
Forum: Personal Consumer Issues
Topic: What was your biggest unexpected home expense?
Replies: 87
Views: 9157

Re: What was your biggest unexpected home expense?

I put in a stamped Concrete patio in 2006 for about 9K. Unfortunately, the work turned out to be sub-par and will need some extensive fixes.
by leonidas
Thu Jan 21, 2016 8:25 am
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 100
Views: 8809

Re: What was your % pay raise?

I got a 2% raise and a performance bonus of 7.8%. I work in IT for the FRB.
by leonidas
Fri Jan 15, 2016 12:50 pm
Forum: Investing - Theory, News & General
Topic: I'm sitting here watching FOX Business...14200??
Replies: 92
Views: 9482

Re: I'm sitting here watching FOX Business...14200??

tj wrote:Then people would never retire...


Or retire with lower expectations. You should have SS benefit and safer investments/savings to support yourself. Maybe some people are taking too much risk?
by leonidas
Fri Jan 15, 2016 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Online Bank recommendation
Replies: 50
Views: 6118

Re: Online Bank recommendation

I love Charles Schwab Investor Checking. It has been my primary account for 8 years. No Fees, free checks and all ATM fees are reimbursed at the end of the month.
by leonidas
Fri Jan 15, 2016 10:01 am
Forum: Investing - Theory, News & General
Topic: I'm sitting here watching FOX Business...14200??
Replies: 92
Views: 9482

Re: I'm sitting here watching FOX Business...14200??

I still have 20 years till retirement to make it up. LOL...and for those with 3-5 years they are SOL if they made the wrong decisions with their allocations. Well, I was speaking for myself but I get your point. I read a lot on this and other boards about sequence of returns risk; that 5 year perio...
by leonidas
Fri Jan 15, 2016 9:46 am
Forum: Investing - Theory, News & General
Topic: I'm sitting here watching FOX Business...14200??
Replies: 92
Views: 9482

Re: I'm sitting here watching FOX Business...14200??

A bear market is 20% off the high so 14k would qualify. There are bear markets in times when there are no recessions so I wouldn't use that for any predictive value. After going thru 2000-2002 and 2008-2009, only getting to 14k doesn't seems that bad. I still have 20 years till retirement to make it...
by leonidas
Sat Nov 21, 2015 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Getting a bonus this year?
Replies: 75
Views: 9857

Re: Getting a bonus this year?

Average about 14-16k a year. Down since 2008 when it was closer to 20k.
by leonidas
Sat Oct 24, 2015 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Premium for 2016
Replies: 70
Views: 7608

Re: Health Insurance Premium for 2016

United Healthcare PPO through work up about 8%.
by leonidas
Wed Sep 30, 2015 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for HELOC?
Replies: 10
Views: 958

Re: Should I apply for HELOC?

I got a HELOC from Schwab (they work through quicken loans) with no closing costs and a 3.99 APR.
Smooth process. I wanted 50k but was told that its best to get as much as you need right now so I went with 100k.
by leonidas
Thu Jul 23, 2015 6:00 am
Forum: Investing - Help with Personal Investments
Topic: Huge Mistake, Bought PBYI, Now What?
Replies: 26
Views: 3960

Re: Huge Mistake, Bought PBYI, Now What?

This does not seem like a huge mistake to me since it is a small percentage of your portfolio. Anyway, I would sell it. I would also re-examine the need for a play account if this small loss causes you so much consternation as to ask the opinions of a bunch of strangers on the net. Good Luck!
by leonidas
Tue Jun 23, 2015 7:24 am
Forum: Investing - Theory, News & General
Topic: Small Cap Index - What % of equities?
Replies: 74
Views: 10664

Re: Small Cap Index - What % of equities?

I have about 7% in Small Cap which is a bit less than total market weight. I have a most of my funds in market indexes and the under weight seem to arise from a few legacy Large Caps that I had acquired over the years in my taxable account.
by leonidas
Sat Jun 13, 2015 12:25 pm
Forum: Investing - Theory, News & General
Topic: Fraudulent Charge Debited to Schwab Account
Replies: 31
Views: 4497

Re: Fraudulent Charge Debited to Schwab Account

I seem to have Fraudulent activity against my PedFed CC every year. Last year someone charged airline tickets. This year a supermarket in NH. I usually get a call from PenFed asking me if that was me and the charges are removed from my account and a new card is issued. This will mark the 5th year in...
by leonidas
Fri Jun 12, 2015 3:46 pm
Forum: Personal Consumer Issues
Topic: Do you telecommute?
Replies: 21
Views: 2632

Re: Do you telecommute?

I have been telecommuting for about 8 years now. I do it 3 days a week and I find that I am very productive at home even though sometimes I feel that I miss out on the Camaraderie and face time with my co-workers. The big benefit it the time I save commuting since my job is in NYC and I live in Sout...
by leonidas
Wed May 13, 2015 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Credit Cards are Good
Replies: 46
Views: 5420

Re: Credit Cards are Good

Credit cards are a tool which when properly used are good.
by leonidas
Mon May 11, 2015 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody 50/50?
Replies: 78
Views: 8620

Re: Anybody 50/50?

I am 52/48 at the moment with 26% US, 26% Foreign and 50 Total Bond. I sleep well at night.
by leonidas
Mon May 04, 2015 10:37 am
Forum: Investing - Help with Personal Investments
Topic: REIT: VNQ vs. O
Replies: 10
Views: 2131

Re: REIT: VNQ vs. O

Whats the strategy behind this decision? Why did you choose O as opposed to another REIT? Are you splitting your REIT allocation in equal amounts between these 2? Not enough info to may an informed comment but I would say that is unnecessary. VNQ is plenty diversified on its own.
by leonidas
Tue Apr 21, 2015 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 16265

Re: How much do you pay in Property Taxes?

17K in 675K House 40 minutes from Philly. I am working on my wife to move South of the Mason/Dixon line!
by leonidas
Thu Mar 12, 2015 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Bonus received. But its not what was agreed upon. Advice?
Replies: 61
Views: 6990

Re: Bonus received. But its not what was agreed upon. Advi

All this consternation over 500 bucks? Come on! Get over it and move on.
by leonidas
Mon Mar 02, 2015 10:04 am
Forum: Personal Consumer Issues
Topic: No heat
Replies: 20
Views: 1792

Re: No heat

I have a motor replaced just after Christmas on my heating unit. The Motor was about 180 plus some cage looking apparatus for 60-80 bucks. The labor was 120 for a total of 400 or so.
by leonidas
Thu Feb 26, 2015 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Raise was only 2.44%?
Replies: 49
Views: 6347

Re: Raise was only 2.44%?

I've been with the same company for 20 years. For the last 5 years raises have been pretty weak. Usually 2-2.5%. The better performers get larger bonuses in the 10-12% range.
by leonidas
Wed Feb 25, 2015 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Quiz
Replies: 22
Views: 1793

Re: Tax Quiz

I got 9/10. I missed the IRS question about filing.
by leonidas
Wed Feb 25, 2015 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Checking alternatives to USAA (non-military)
Replies: 8
Views: 1674

Re: Checking alternatives to USAA (non-military)

Schwab Investor Checking or the Fidelity Cash Management Account. Everything free! ATM Reimbursed. These are the best accounts I have utilized.
by leonidas
Tue Feb 24, 2015 6:00 pm
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 159
Views: 17127

Re: Guns for hunting/defense

Mossberg 590 A1. Skip the pistol grip. Holds 9 Rds of 2.75 unless your in the peoples republic of NJ where they limit the capacity to 5. My favorite is the Beretta 92FS Inox. Old design, 15 Rd limit (NJ law) but man it just feels like an extension of your hand (I have big hands). There are lots of ....
by leonidas
Tue Feb 10, 2015 2:39 pm
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 8790

Re: I'm not a bad Boglehead

Same here.
by leonidas
Mon Feb 09, 2015 7:49 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2418
Views: 610578

Re: What Movie Have You Recently Watched?

I took my youngest to see the new Sponge Bob movie in the early afternoon. In the evening, my wife and I saw Fury with Brad Pitt. I enjoyed it.
by leonidas
Fri Feb 06, 2015 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: How much was your Tax Refund (or amount DUE)
Replies: 110
Views: 10707

Re: How much was your Tax Refund (or amount DUE)

I owe about 258 dollars this year to the Feds. Still haven't finished my states (NY,NJ).
by leonidas
Fri Feb 06, 2015 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Unhappy With Job Raise
Replies: 78
Views: 9313

Re: Unhappy With Job Raise

I have been ranked in the 10% of my group each of the last 5 years. Raises have been 1,1.5 ,4 ,2 ,2. Several of our top performers got pretty much the same and ended up leaving. Seems to be the trend here, Stay for a few years, learn something new and then ship out. Its really the best way to increa...
by leonidas
Thu Feb 05, 2015 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Equal Stock/Bond allocation
Replies: 6
Views: 968

Re: Equal Stock/Bond allocation

I have been close to 50/50 for about 7 years now. I like simplicity.
by leonidas
Thu Feb 05, 2015 8:10 am
Forum: Investing - Help with Personal Investments
Topic: GIC's
Replies: 2
Views: 319

Re: GIC's

My employer got rid of our GIC a few years ago stating that there were risks in these products. The were replaced by a set of bond funds with specific maturity dates like 2018, 2020 and 2022. I remember that when I started working there in '94 the guaranteed rate was always greater than the 10 year ...
by leonidas
Fri Jan 30, 2015 6:39 am
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 107
Views: 17290

Re: How to respond when someone asks how much money you make

1 million dollars (in Dr Evil's voice) while raising your pinky to your mouth. If that doesn't do it, add a maniacal laugh.
by leonidas
Fri Jan 30, 2015 6:35 am
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 79
Views: 7132

Re: The lowest stock allocation you plan to stay with

I am at 50 / 50 rights now. I think the lowest I would go is 25% but that would depend on the amount of assets I own and any consistent income like pensions and SS. Before retirement my plan is stay a minimum of 50% and a maximum of 60%. I'm 45 now.
by leonidas
Thu Jan 29, 2015 10:46 am
Forum: Investing - Help with Personal Investments
Topic: VNQ & VNQI
Replies: 22
Views: 3712

Re: VNQ & VNQI

I have not extra REITs outside of Total Market and Total International. I read a lot about these types of funds being good diversifiers but never thought to pull the trigger. I use the free version of FutureAdvisor and it dings me for a lack of diversification and lack of REITs as well as TIPs and S...

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