Search found 373 matches

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: 2268

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: 5487

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: 895

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: 110
Views: 6659

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: 7724

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: 7326

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: 7991

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: 4681

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: 7991

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: 7991

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: 8758

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: 6420

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: 834

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: 3714

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: 8627

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: 3831

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: 2282

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: 4987

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: 7680

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: 1769

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: 14262

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: 6378

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: 1554

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: 5809

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: 1631

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: 1199

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: 12952

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: 7742

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: 1559
Views: 318713

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: 9364

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: 8801

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: 897

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: 263

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: 12831

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: 5648

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: 3033

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...
by leonidas
Sun Jan 25, 2015 7:50 am
Forum: Personal Consumer Issues
Topic: Reliability of LED televisions?
Replies: 18
Views: 3045

Re: Reliability of LED televisions?

I have primarily owned Samsung models. My current set is 5 or 6 years old with no issues and daily use.
by leonidas
Sun Jan 25, 2015 7:47 am
Forum: Investing - Theory, News & General
Topic: SCIF vs SCIN vs SMIN
Replies: 2
Views: 385

Re: SCIF vs SCIN vs SMIN

Looks like country specific funds for Indian small caps. I have no opinion on those but prefer to own a world wide diversified fund.
by leonidas
Fri Jan 23, 2015 10:51 am
Forum: Investing - Theory, News & General
Topic: What is your commodities stocks/indexes allocation?
Replies: 20
Views: 1326

Re: What is your commodities stocks/indexes allocation?

I have gold and silver coins/bars and I own the ETF SGOL. It totals about 5% of my portfolio. pre 2007 I was nearly 9% but I decided to dial back to 5% and have been pretty stable since then.
by leonidas
Wed Jan 21, 2015 11:03 am
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 136
Views: 18843

Re: What age did you hit $100,000?

about 29 (1999)
by leonidas
Tue Jan 20, 2015 1:58 pm
Forum: Investing - Theory, News & General
Topic: 529 Plans Reform
Replies: 24
Views: 1637

Re: 529 Plans Reform

Maybe it is time to think about using ROTH's for education expenses.
by leonidas
Tue Jan 20, 2015 10:24 am
Forum: Investing - Help with Personal Investments
Topic: $50,000 to invest, want little to no risk. CDs? Silver? Etc?
Replies: 37
Views: 4534

Re: $50,000 to invest, want little to no risk. CDs? Silver?

Silver and Gold are not for the risk averse. CD's and I-Bonds are a good choice.
by leonidas
Wed Jan 14, 2015 8:36 am
Forum: Investing - Help with Personal Investments
Topic: which Brokerage do you use...why?
Replies: 33
Views: 2939

Re: which Brokerage do you use...why?

Wells Fargo is my primary broker. With the PMA package everything is commission free. Unfortunately, this is closed to new investors.
I also have a Schwab account for my IRAs. They have a great list of commission free ETFs that I can choose from.
by leonidas
Tue Jan 13, 2015 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Energy Select Sector SPDR ETF (XLE)??
Replies: 4
Views: 615

Re: Buying Energy Select Sector SPDR ETF (XLE)??

So whats the plan? Looking for a quick turnaround on the expected bounce or is this long term and you think the energy sector will outperform the market. Does this change your AA from what your IPS states? I have 5% dedicated to speculation myself. Just be careful since the blades of a falling knife...
by leonidas
Fri Jan 09, 2015 7:17 am
Forum: Personal Finance (Not Investing)
Topic: rebalancingact.com
Replies: 5
Views: 901

Re: rebalancingact.com

They offered a free trial last year and I gave it a shot. I did not find it very useful at all. It was so basic as to be just better than pen and paper. I wrote up an e-mail stating 4 reasons I wont be paying for their services. I tried looking for it but I must have deleted it. If it went under the...
by leonidas
Thu Jan 08, 2015 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Best online checking account
Replies: 59
Views: 8698

Re: Best online checking account

I use Schwab Investor Checking. Had it for about 6 or 7 years. Free everything including checks and ATM rebates. The rebate comes at the end of the month.
I just love it.
by leonidas
Tue Jan 06, 2015 6:52 pm
Forum: Investing - Theory, News & General
Topic: REIT predictions for 2015
Replies: 12
Views: 1690

Re: REIT predictions for 2015

I don't have a separate REIT allocation so from a disinterested party I will say down 7.5% + or - 15%....
by leonidas
Mon Jan 05, 2015 2:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2901
Views: 612162

Re: U.S. stocks in freefall

This is why I also own bonds and Gold.
by leonidas
Fri Jan 02, 2015 3:07 pm
Forum: Investing - Theory, News & General
Topic: [Poll] Why do you use indexing? (select multiple)
Replies: 26
Views: 1731

Re: [Poll] Why do you use indexing? (select multiple)

I guess I got tired of under-performing the averages. I always used Index funds but never 100%. The research presented pretty much made a clear cut case to me that this was the best route. Now I am 85% index and happier for it. I also no longer go nuts looking for the next big thing. For a while I w...

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