Search found 419 matches

by leonidas
Fri Jun 14, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: 40+% increase in auto policy (GEICO) - normal?
Replies: 74
Views: 4598

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: 3284

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: 468

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: 4407

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: 15317

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: 74
Views: 7057

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: 13
Views: 1213

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: 2181

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: 1487

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: 3178

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: 160
Views: 11310

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: 572

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: 7627

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: 2585

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: 2585

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: 582

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: 2529

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: 303

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: 5552

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: 4189

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: 917

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: 7613

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: 1117

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: 1117

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: 2684

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: 7323

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: 10918

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: 10918

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: 10918

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: 10918

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: 10918

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: 10918

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: 7546

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: 8863

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: 507

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: 507

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: 471
Views: 57195

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: 471
Views: 57195

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: 964

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: 964

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: 1675

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: 36051

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: 3573

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: 3156

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: 18147

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: 6369

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: 3591

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: 7614

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: 1377

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: 18167

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 ...