Search found 426 matches

by leonidas
Wed Jan 29, 2020 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Alliant Visa now limiting cash back
Replies: 11
Views: 1279

Re: Alliant Visa now limiting cash back

For the most part its not an issue. I pay almost every bill with this card and that comes to a few thousand a month. I may go over when I pay to finish a portion of the basement or pay for vacation but not by too much.
by leonidas
Fri Nov 08, 2019 10:02 am
Forum: Personal Investments
Topic: I'd like to buy individual bonds, bills, CDs, etc. simply as a learning experience
Replies: 12
Views: 905

Re: I'd like to buy individual bonds, bills, CDs, etc. simply as a learning experience

I am a Schwab customer and out of the three options you are interested in I only have purchased individual treasuries mostly at auction. The CD rates at all the brokerages seem non-competitive from what can be earned at online banks. As for muni's I hear there is a mark-up and the market is not real...
by leonidas
Thu Oct 17, 2019 9:17 pm
Forum: Personal Consumer Issues
Topic: Moving my home landline phone number to MagicJack - good idea?
Replies: 52
Views: 4590

Re: Moving my home landline phone number to MagicJack - good idea?

Anyone have an opinion on Voiply or 1-VOIP. I have a Verizon landline and what to get off since it costs too much.
by leonidas
Thu Oct 10, 2019 10:54 am
Forum: Investing - Theory, News & General
Topic: Any reason to keep Wellstrade with free trades?
Replies: 6
Views: 533

Re: Any reason to keep Wellstrade with free trades?

I have had a WellsTrade account with 100 free trades and a Schwab account used for mainly the Investor checking features for over a decade. I used the Wells account for purchasing Vanguard mutual funds, (Limited and Interm Tax Exempt ADM and Prime MMF). Mutual funds are still 49.99 at Schwab unless ...
by leonidas
Fri Oct 04, 2019 12:23 pm
Forum: Personal Investments
Topic: Firstrade vs M1 Finance
Replies: 4
Views: 732

Re: Firstrade vs M1 Finance

First Trade does not charge for Mutual fund purchases either. Any funds not on Schwabs' NTF list will be charged about 50 to buy.
by leonidas
Wed Oct 02, 2019 9:39 am
Forum: Investing - Theory, News & General
Topic: If you use Vanguard (Brokerage), why do you stay?
Replies: 58
Views: 7257

Re: If you use Vanguard (Brokerage), why do you stay?

If your at Vanguard I would just stay there especially if you use their mutual funds for witch there still is a fee for at Schwab. I am grandfathered into WellsTrade which gives 100 free trades including Vanguard MF's so I am not going to move to Schwab. I use Schwab investor checking for my banking...
by leonidas
Sun Sep 29, 2019 2:54 pm
Forum: Investing - Theory, News & General
Topic: Jonathan Clements: About half your retirement accumulation is just the dollars you put in
Replies: 92
Views: 15430

Re: Jonathan Clements: About half your retirement accumulation is just the dollars you put in

I just looked online and its 47% contributions and 53% returns for me since 1994. I have about 10-12 more years till retirement.
by leonidas
Fri Jun 14, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: 40+% increase in auto policy (GEICO) - normal?
Replies: 74
Views: 5595

Re: 40+% increase in auto policy (GEICO) - normal?

I had GEICO for 5 years. Steady rate increases each year but nothing out of the ordinary. Added 18 years to policy and only increased 600. He had an accident and up a thousand. Last increase was 4% or so. I went looking for cheaper insurance and GEICO was still the lowest. BTW, they paid out on the ...
by leonidas
Fri Jun 07, 2019 12:33 pm
Forum: Personal Investments
Topic: Chewy IPO
Replies: 43
Views: 3734

Re: Chewy IPO

We use chewy for our dog food and dog meds. Sometimes a good company doesn’t equal a good stock. I have shifted most of my assets to indexes so i won’t be buying this stock. If you have some play money I don’t think it’s that much of an issue to pick up shares just not my thing. Good luck.
by leonidas
Wed Jun 05, 2019 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Schwab ATM Fee Rebate
Replies: 5
Views: 534

Re: Schwab ATM Fee Rebate

I checked and I was reimbursed on the last day of the month along with a minimal amount of interest. Did you use an ATM that charged a fee? Some months I don't so that may be something to look into.
by leonidas
Tue May 14, 2019 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Worth Fighting a Speeding Ticket?
Replies: 64
Views: 4833

Re: Worth Fighting a Speeding Ticket?

My son was speeding and we pleaded not guilty. Went to court and it got reduced to obstructed view. $54 bucks and no points. No lawyer either.
by leonidas
Wed Apr 24, 2019 11:27 am
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 18448

Re: Dump international?

Its been a disheartening ride with International for the last decade. I have been re-balancing into Intl seemly every year to keep my 30% foreign allocation. I am hopeful that this diversification will pay off so I am not planning any changes.
by leonidas
Mon Mar 11, 2019 9:23 am
Forum: Personal Investments
Topic: Time to buy Boeing?
Replies: 89
Views: 10758

Re: Time to buy Boeing?

I am not against buying individual stocks. Buying Boeing right now seems to involve quite a bit of risk as the issues with one variant of the 737 are unknown. Boeing without these issues was $100 lower just last year so Im not seeing the compelling value. If you have an IPS and cash lying around I w...
by leonidas
Sun Mar 10, 2019 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Use caution to not incorrectly pay taxes on 529 distribution in TTax
Replies: 30
Views: 2616

Re: Use caution to not incorrectly pay taxes on 529 distribution in TTax

Good Afternoon!

I am having the same issues but I cant seem to find where to make the changes to fix it. I have a 1098-Q that lists me as the recipient.
Box 1 is 4697, earnings are 1603 and basis is 3094. I found on my fed taxes that the 1603 is taxable. Is this correct?
by leonidas
Thu Feb 07, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: $10,000 for a bed?
Replies: 36
Views: 2551

Re: $10,000 for a bed?

My wife and I were mattress shopping about 3 years ago and she fell in love with Stearn and Foster king sized that was $9300. Needless to say we kept looking but she was not satisfied with anything else we saw. Went back during a holiday sale (Memorial day) and the bed was like 65% off. We bought it...
by leonidas
Tue Jan 29, 2019 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance and teenagers
Replies: 29
Views: 1657

Re: Auto Insurance and teenagers

We have GEICO. For 2 cars my wife and I paid about 1400/yr. When my oldest got his license we paid about 1950 a year. Then he got into an accident and now we are paying 2850 a year.
by leonidas
Wed Jan 09, 2019 7:51 am
Forum: Investing - Theory, News & General
Topic: Your Vanguard Page
Replies: 32
Views: 3349

Re: Your Vanguard Page

Once a week at most.
by leonidas
Thu Dec 13, 2018 12:22 pm
Forum: Investing - Theory, News & General
Topic: [Robinhood to offer 3% cash management program, not a bank account]
Replies: 153
Views: 12309

Re: Robinhood 3%Checking

I got my invite:

Hi peter,

You're #42,989 on the list!

Robinhood Checking & Savings launches in early 2019. We'll let you know when your invite is ready.
by leonidas
Thu Nov 15, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant CU Signature Card
Replies: 6
Views: 625

Re: Alliant CU Signature Card

Had the card for nearly a year. I put most of my spending on it. I will plan to keep it even with the annual fee.

We charge 3500-4500 a month on it.

My other card is the Citi Double cash which hasn't seen much use lately.
by leonidas
Wed Nov 14, 2018 5:00 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 8567

Re: Are you all staying the course?

I am maintaining my asset allocation with periodic investments into my 401k. I did switch from using my savings account to buying 3 and 6 month treasury bills at auction through Schwab.
by leonidas
Sat Oct 27, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: What is a reasonable housecleaning cost?
Replies: 27
Views: 2724

Re: What is a reasonable housecleaning cost?

NC. 4500 sq ft house twice a month, $140 a pop. One note: I’ve found that most cleaners’ quality of work will drop off after a few months. They’ll be really good at first but then I think they start taking you for granted and you just become another house to clean, another guaranteed customer and n...
by leonidas
Sat Oct 27, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: What is a reasonable housecleaning cost?
Replies: 27
Views: 2724

Re: What is a reasonable housecleaning cost?

4800 sq/ft house 360/mo or 180 every 2 weeks. I used them for about 3 years till wifey lost her job, then she basically took care of it until she found a job again. We are in NJ.
by leonidas
Sun Oct 07, 2018 9:46 am
Forum: Personal Investments
Topic: Sell vwiux and buy 1 yr tbills? [Vanguard Intermediate-Term Tax-Exempt]
Replies: 8
Views: 631

Re: Sell vwiux and buy 1 yr tbills?

I have been buying 1 yr t bills for the last few months. They are state tax free for me (NJ) sobyou must account for that when moving from your fund. For the record I am using the t bills in place of savings accounts and keeping my tax exempt funds and even adding to them.
by leonidas
Sun Sep 30, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: city water sewer vs well septic
Replies: 36
Views: 2824

Re: city water sewer vs well septic

My house is 14 years old and two weeks ago my submersible well pump died. The replacement cost 2200 (with storage tank). I pay about 150 a year to in service costs. The septic is the real killer if it needs replacement. We clean out our tank every three years at about 280 each pump. If the system ne...
by leonidas
Fri Sep 21, 2018 2:55 pm
Forum: Personal Investments
Topic: Fidelity, Charles Schwab, TD, Other?
Replies: 1
Views: 328

Re: Fidelity, Charles Schwab, TD, Other?

I use Schwab and Wells Fargo PMA (grandfathered for 100 free trades a year). Schwab also has my Checking account so that's convenient. Schwab has a good selection of free ETF's in order to create a solid portfolio. Been there 10 years no complaints.
by leonidas
Thu Sep 20, 2018 1:51 pm
Forum: Investing - Theory, News & General
Topic: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]
Replies: 48
Views: 6122

Re: Buying VWIUX Today

I’ve been moving some of my spare cash to the admiral version of the fund. I own in Wells Fargo as part of the PMA package. There is no minimum.
by leonidas
Tue May 08, 2018 8:07 am
Forum: Investing - Theory, News & General
Topic: Why do so many Americans not own stocks?
Replies: 44
Views: 4402

Re: Why do so many Americans not own stocks?

Many people deem the financial markets as too risky or even a scam. My parents preferred the certain return of 5,6 or 7% they were getting from banks to the possibility of any loss in the markets. I remember once in '96 when the market was selling off my mother called me in a panic to sell everythin...
by leonidas
Mon Feb 05, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: New Payroll Withholding: Out of State NY / NJ
Replies: 13
Views: 980

Re: New Payroll Withholding: Out of State NY / NJ

I live in NJ and work in NYC. Just checked my pay advice and noticed no additional taxes being taken out for NJ.
by leonidas
Sat Jan 27, 2018 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Ways to Protect Assets Without a Prenup
Replies: 69
Views: 8112

Re: Ways to Protect Assets Without a Prenup

Stay single. It’s the only way to be sure.
by leonidas
Sun Dec 10, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Estimated Taxes
Replies: 7
Views: 1166

Re: Pay Estimated Taxes

That makes a great deal of sense! I am going to lower my exemptions and that should take effect for my last paycheck (and bonus).

As for FICA taxes, she will be paying the full load; is the "employer" portion tax deductible?

Thanks.
by leonidas
Sun Dec 10, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Estimated Taxes
Replies: 7
Views: 1166

Pay Estimated Taxes

My wife started working for a small social marketing company that pays weekly and I noticed that they do not take any taxes out of her check. So I am thinking that I should be filing and paying estimated taxes quarterly. Does this sound correct? She told me that that she is getting a 1099 and not a ...
by leonidas
Mon Oct 09, 2017 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Mint - Issues with showing my account details
Replies: 15
Views: 2967

Re: Mint - Issues with showing my account details

I left mint years ago when they were swallowed up by intuit. Personal capital is a great tool for tracking and that’s what I use now. It not reallly focused on budgeting so if that is your main purpose then I would look for something else. It does track spending.
by leonidas
Wed Sep 06, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: What is the main purpose of holding your current job?
Replies: 66
Views: 7667

Re: What is the main purpose of holding your current job?

I'm at a 2 right now.
Good pay, great health insurance, nice pension.
Not really excited about what I do and the people I work with but not bad either.
I get to work from home 3 days a week so that's a plus.
by leonidas
Wed Sep 06, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Protecting moms assets from nursing home expenses
Replies: 96
Views: 11365

Re: Protecting moms assets from nursing home expenses

Scheduling a consultation with an Elder Law Atty by end of September. Right now just in an info gathering stage.
by leonidas
Tue Sep 05, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting moms assets from nursing home expenses
Replies: 96
Views: 11365

Re: Protecting moms assets from nursing home expenses

My parents worked with an estate attorney last year to protect the house. My father is getting home care now and they have sufficient assets to cover the next few years but my mother is in relatively good health and could live for years yet. The attorney set up a trust 'for the children' which hold...
by leonidas
Tue Sep 05, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting moms assets from nursing home expenses
Replies: 96
Views: 11365

Re: Protecting moms assets from nursing home expenses

Your mother doesn't have a lot of assets to protect, I'm not sure you need to do anything. She could stay in her home another 15-20 years, or could need skilled care next month, you just never know. As mentioned above, most care for seniors is provided by family in the home - either the parent move...
by leonidas
Tue Sep 05, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting moms assets from nursing home expenses
Replies: 96
Views: 11365

Re: Protecting moms assets from nursing home expenses

You can skip the nursing home expenses by having her stay at home with you and your family. Maybe you or your wife could leave your job to watch over her. After all, you have a potential $240k to protect so you should do your best to minimize expenses. Yes, this is our first and best option. We too...
by leonidas
Tue Sep 05, 2017 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting moms assets from nursing home expenses
Replies: 96
Views: 11365

Re: Protecting moms assets from nursing home expenses

Yeah, it's kind of the way the system is set up right. I'm pretty sure I funded others nursing home expenses too. From a family history perspective, none of my grandparents nor my father needed a nursing home, but it is prudent to take precautsions.
by leonidas
Tue Sep 05, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting moms assets from nursing home expenses
Replies: 96
Views: 11365

Protecting moms assets from nursing home expenses

Hello. My mother was having conversations with her friends and they bought up the topic of nursing homes depleting ones assets if not protected. She then asked me what my opinion was and honestly I never really thought a lot about it before. She has a small house in upstate NY worth about 125k and 1...
by leonidas
Thu Aug 24, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: is yodlee moneycenter dead?
Replies: 19
Views: 8236

Re: is yodlee moneycenter dead?

I used Yodlee for years. I just logged in and deleted my account as I have been using Personal Capital and like it better. I also deleted my mint account.
by leonidas
Mon Feb 20, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Utility Bills - How do ours compare?
Replies: 44
Views: 10898

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: Personal Investments
Topic: Help with ROTH conversion
Replies: 5
Views: 553

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: Personal Investments
Topic: Help with ROTH conversion
Replies: 5
Views: 553

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: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 518
Views: 70188

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: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 518
Views: 70188

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: 993

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: 993

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: 1762

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: 39348

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: 3831

Re: Who is a true Boglehead?!

They will let you slide with just one missed step :D