Search found 271 matches

Return to advanced search

Re: Where would you retire, if $ were no object?

As Erma Bombeck wrote in the title of one of her books, "The Grass is Always Greener Over the Septic Tank."
by TimeRunner
Wed Apr 23, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: Where would you retire, if $ were no object?
Replies: 60
Views: 3159

Re: Google Voice Not Supported on OBi Devices After May 15 2

I have an OBi202 and use both Callcentric and Google Voice. GV sucks. The call quality is unreliable. I use Google Voice for one thing. To ring my work and home (VOIP) phones while providing additional call screening. That way, when I give out my GV phone # to businesses that may need to contact me...
by TimeRunner
Tue Apr 22, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 57
Views: 2936

Re: POLL: why carry cash?

I'd say Bogleheads spend the same whether using cash or credit cards, and likely spend less than non-Bogleheads in either case. Edited for clarity. O my, what trust in the Boglehead spirit. VictoriaF has already pointed out the fallacy of that in multiple posts. I consider myself a boglehead. If I ...
by TimeRunner
Mon Apr 21, 2014 9:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 225
Views: 7394

Re: POLL: why carry cash?

I'd say Bogleheads spend the same whether using cash or credit cards, and likely spend less than non-Bogleheads in either case.

Edited for clarity.
by TimeRunner
Mon Apr 21, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 225
Views: 7394

Re: POLL: what's the deal with Tuna Fish?

Another vote for Kirkland, by far my favorite tuna. I was exposed to a lot of mercury having my temperature taken as a kid, so I don't worry about a bit of tuna-based mercury now. But the real question: Why do we call it "Tuna-fish"? Isn't that redundant? "The term tuna derives from ...
by TimeRunner
Sun Apr 20, 2014 6:38 pm
 
Forum: Personal Consumer Issues
Topic: POLL: what's the deal with Tuna Fish?
Replies: 48
Views: 3052

Re: POLL: what's the deal with Tuna Fish?

Trader Joe's has low sodium. It's a low cal lunch with a splash of rice vinegar and a dark vinegar. No crackers or mayo if you're trying to get to race weight. 8-)
by TimeRunner
Sun Apr 20, 2014 6:06 pm
 
Forum: Personal Consumer Issues
Topic: POLL: what's the deal with Tuna Fish?
Replies: 48
Views: 3052

Re: POLL: why carry cash?

I use cash only when required or when the merchant charges more for using a credit card. I never use my debit card except for ATM withdrawals, which I do about every 60-90 days. As others have said, cash is dirty, germy, and dealing with change is a hassle. I don't mind about my purchases being trac...
by TimeRunner
Sun Apr 20, 2014 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 225
Views: 7394

Re: Vanguard IRA Insights

Would have been interesting to know the median Roth IRA account balances at various ages...45,55,65 for example. The hypothetical example of a Roth IRA balance of $438K at age 65 seems high. Of course if you can stuff into it low-basis low-value stocks in various companies that your venture capital ...
by TimeRunner
Fri Apr 18, 2014 10:16 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard IRA Insights
Replies: 7
Views: 865

Re: Asset allocation over time

I like Bonds = 'your age times (your age/100)'. 40 year old = 16%, 50 year old = 25%, 60 year old = 36%, 70 year old = 49%, 80 y.o. = 64%. I read it on the Internets. :P Edit: Note I am a fed employee who plans to collect SS at age 70 and will have a FERS 1.1% of high-3 pension upon retirement, ther...
by TimeRunner
Thu Apr 17, 2014 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: Asset allocation over time
Replies: 23
Views: 1232

Re: How high of an allocation to REITs?

This Bogleheads Blog post on Rick Ferri Core4 portfolios is also helpful: http://www.bogleheads.org/blog/core-four-portfolios/
by TimeRunner
Thu Apr 17, 2014 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: How high of an allocation to REITs?
Replies: 24
Views: 2827

Re: Shuttle from Tampa airport to St Pete Beach?

Whoo-hoo! Spring Break! Girls Gone Wild! Go Victoria!!! :beer
by TimeRunner
Wed Apr 16, 2014 10:08 pm
 
Forum: Personal Consumer Issues
Topic: Shuttle from Tampa airport to St Pete Beach?
Replies: 18
Views: 1037

Re: Federal Employment Question

I'm in a similar situation to MichDad, only I switched from CSRS to FERS during the famous 1987 "opportunity". (I was the first employee in my region to make the switch, and HR asked me repeatedly "Are you sure?") Since I also invested the max allowed into the TSP since then, and...
by TimeRunner
Wed Apr 16, 2014 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Employment Question
Replies: 20
Views: 1337

Re: Federal Employment Question

Agree with the above and not much to add. There's no travel, no professional conferences or networking opportunities, all training is webinar or on-line courses (Skillsoft, etc), meetings are done by phone 98% of the time. It is clearly not sustainable but I'll stop there. In my agency, the best way...
by TimeRunner
Wed Apr 16, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Employment Question
Replies: 20
Views: 1337

Re: Looking at top 1% for actionable insight

Luck has some to do with it, but yeah...working hard never hurt.

I remember the episode of the Sopranos where Tony is reading the Robb Report magazine (luxury lifestyle mag along the lines of Architectural Digest). He worked pretty hard too. :D
by TimeRunner
Tue Apr 15, 2014 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking at top 1% for actionable insight
Replies: 73
Views: 7479

Re: SSA says Grandmother owes 88K!

Almost as silly as: "My Mom forgot to turn in a library book of bedtime stories she used to read out loud to me. Now the library system wants me to pay for the book, with interest, since I benefitted from the stories, and I'm the oldest of her children."
by TimeRunner
Mon Apr 14, 2014 7:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: SSA says Grandmother owes 88K!
Replies: 26
Views: 3855

Re: I saw a "Boglehead" on my flight yesterday!

I also lucked into a Vanguard coffee mug last year. I don't drink coffee from it that often, but when I do I feel...wealthy and blessed. :D
by TimeRunner
Mon Apr 14, 2014 4:04 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 65
Views: 7660

Re: Looking at top 1% for actionable insight

Much of this was discussed in The Millionaire Next Door: The Surprising Secrets of America's Wealthy (ISBN 0-671-01520-6), a 1996 book by Thomas J. Stanley and William D. Danko. It's an oldie but a goodie. The local library has a few copies in the system.
by TimeRunner
Mon Apr 14, 2014 1:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking at top 1% for actionable insight
Replies: 73
Views: 7479

Re: California Taxes - Am I Missing Something?

Up this morning, weather predicted to be high fog along the coast all day...May grey a little early. Loaded up the Element with road bikes and three of us headed out. Along the coast the waves were calm, past Brad and Jen's old beach house, past the llamas grazing happily on the green grassy hillsid...
by TimeRunner
Sat Apr 12, 2014 10:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 8514

Re: KeePass vs LastPass

I love lastpass. I think the convenience of the browser plug in outweighs my fear of the cloud storage. I now never reuse passwords and don't even have to think about it. I use 2-factor authentication with it was well . On top of that they have been keeping me up to date on what passwords I should ...
by TimeRunner
Sat Apr 12, 2014 9:27 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 6017

Re: KeePass vs LastPass

This thread has really thrashed around. I don't think it really matters which one you use, the fact that you ARE using either KeePass or LastPass puts you way ahead of many folks who don't use a password manager at all.

Now stop worrying and enjoy your weekend! :beer
by TimeRunner
Fri Apr 11, 2014 10:15 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 6017

Re: California Taxes - Am I Missing Something?

They are also increasingly gearing up to detect changes automatically from the sky, but...shhh...they don't talk about it much. "County governments create, maintain, and defend annual assessment rolls including maintaining parcel boundary maps and updating building description lists. The period...
by TimeRunner
Fri Apr 11, 2014 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 8514

Re: KeePass vs LastPass

K, you might make sure the URL for the first screen doesn't have a bunch of junk in it. Just something like: https://personal.vanguard.com/us/hnwnesc/PMLogin?

We have a couple of logins so I don't have it set to auto-fill or auto-login.
by TimeRunner
Fri Apr 11, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 6017

Re: KeePass vs LastPass

Kevin M wrote:What do you LastPass users do for two-screen logins, specifically Vanguard? -Kevin

See: https://lastpass.com/support_screencast ... mwebsite=1
(Webcast near the bottom called "Save All Entered Data".) This method worked for me on VG site.
by TimeRunner
Fri Apr 11, 2014 2:01 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 6017

Re: Preventing Office Theft of Food and Other Stuff

Today, I committed theft from a community refrigerator at a company I consult with. I did not have time for lunch. I had run this AM and not eaten anything. At 2 PM I was feeling weak as in I better eat something. In the community freezer part of the refrigerator, I saw my favorite break: Ezekiel b...
by TimeRunner
Thu Apr 10, 2014 11:29 pm
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 5201

Re: heartbleed - widespread internet security problem

madbrain wrote:Sorry, I didn't realize that.

My statement still applies to any other unpatched servers that may be out there.


Good advice! It's gonna be awhile before all the smaller businesses and organizations (think NGOs, non-profits, etc) work through this. :!:
by TimeRunner
Thu Apr 10, 2014 9:23 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16520

Re: heartbleed - widespread internet security problem

Why not take advantage of the enhanced login options that USAA has been providing for quite awhile - cybercode tokens and cybercode texts? I use the token system (similar to Google Authenticator and provided by Symantec), and it works fine. The texts would work well too. See: https://www.usaa.com/i...
by TimeRunner
Thu Apr 10, 2014 9:16 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16520

Re: Book Recommendation: Security Analysis -- Is it Worth It

My mind jumped right to IT security - the topic de jour. :oops:
by TimeRunner
Thu Apr 10, 2014 9:13 pm
 
Forum: Investing - Theory, News & General
Topic: Book Recommendation: Security Analysis -- Is it Worth It?
Replies: 5
Views: 328

Re: heartbleed - widespread internet security problem

It appears that USAA has implemented a patch. I guess that means that one should change that PW and all related security codes (secret questions, online PIN). https://communities.usaa.com/t5/USAA-News/USAA-Takes-Measures-Against-Heartbleed-Bug/ba-p/25876?sf24845029=1 04-09-2014 01:15 PM heart-bleed...
by TimeRunner
Thu Apr 10, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16520

Re: Server Admins - how to check for OpenSSL?

sunnyday wrote:^ it's my understanding that the scans aren't 100% accurate. Either way, I'm just curious how to check if my server uses OpenSSL. Seems like it would be very simple, yet the answer is hard to find.


http://curah.microsoft.com/64131/heartb ... tsservices
by TimeRunner
Thu Apr 10, 2014 7:40 pm
 
Forum: Personal Consumer Issues
Topic: Server Admins - how to check for OpenSSL?
Replies: 5
Views: 339

Re: KeePass vs LastPass

SnapShots wrote:How secure is DropBox? Or, Google Drive for that matter? And, I wonder about FREE software? How does LastPass make $$$ to stay in business, keep their product update and safe?

https://lastpass.com/features_premium.php
by TimeRunner
Thu Apr 10, 2014 4:05 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 6017

Re: KeePass vs LastPass

This could mean that you install KeePass on a new computer you want to use (your mother's) or that you install an executable on a USB stick. KeePass has a "mini" version for just that purpose. That's useful information as we aren't allowed to install programs on the computers at work so a...
by TimeRunner
Thu Apr 10, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 6017

Re: KeePass vs LastPass

I was an early Dashlane adoptee based on a NYTimes D Pogue ravingly-positive review, but switched back to Lastpass after three months. Lastpass was just more reliable about identifying the username, password, and sometimes additional fields needed to log on. It was difficult on a bunch of commonly u...
by TimeRunner
Thu Apr 10, 2014 9:10 am
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 6017

Re: Google Stock Dividend

I should mention my GOOG and GOOGL shares are with Vanguard brokerage in a normal investment account.
by TimeRunner
Thu Apr 10, 2014 9:04 am
 
Forum: Investing - Theory, News & General
Topic: Google Stock Dividend
Replies: 42
Views: 2773

Re: Google Stock Dividend

Just following up, bumping the thread, and wondering if there's other GOOG stock holders in Bogleland who are seeing all their cost basis put on GOOGL, and GOOG showing a cost basis of zero. So, another alternative is to donate some GOOG shares to a DAF rather than sell them and pay tax on the full ...
by TimeRunner
Thu Apr 10, 2014 12:18 am
 
Forum: Investing - Theory, News & General
Topic: Google Stock Dividend
Replies: 42
Views: 2773

Re: Carbonite vs Backblaze - an ongoing comp

By the way, ALL files stored on Carbonite, as we've already conveniently "tested", were easily downloaded (not "restored") when traveling or when using DH's laptop. Easy. That wouldn't work with local backups. (We have those, too, but didn't keep them fully up to date, and on mo...
by TimeRunner
Wed Apr 09, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: Carbonite vs Backblaze - an ongoing comp
Replies: 26
Views: 1248

Re: heartbleed - widespread internet security problem

Lastpass has created a Heartbleed checker, so you can check the websites you commonly do business with. https://lastpass.com/heartbleed/

I like Lastpass for password management a lot. 8-)
by TimeRunner
Tue Apr 08, 2014 7:18 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16520

Re: Carbonite vs Backblaze - an ongoing comp

Thanks for sharing your experiences. I have looked into these cloud backup services but my $30/month CenturyLink DSL has only 0.875mbps of upload bandwidth. So it would take way too long to seed the backup. Look a little deeper. Some of them will ship you a USB hard drive, free or low cost, to do y...
by TimeRunner
Tue Apr 08, 2014 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Carbonite vs Backblaze - an ongoing comp
Replies: 26
Views: 1248

Re: California Taxes - Am I Missing Something?

What nobody tells you about living near the beach, not even at the beach, is that you won't see the sun before 11am for two months in May and June. No thank you. It's obvious that you're not a runner. When it's foggy here (May Gray, June Gloom), all one needs to do is head inland a few miles to fin...
by TimeRunner
Tue Apr 08, 2014 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 8514

Re: Carbonite vs Backblaze - an ongoing comp

I use iDrive (http://www.idrive.com ) which sounds similar to Carbonite. I remember choosing iDrive a few years ago because there was no restriction on backing up content from network-attached drives. Many cloud backup solutions restrict you to backing up content that is directly attached to the PC ...
by TimeRunner
Tue Apr 08, 2014 2:10 pm
 
Forum: Personal Consumer Issues
Topic: Carbonite vs Backblaze - an ongoing comp
Replies: 26
Views: 1248

Re: California Taxes - Am I Missing Something?

The Calif doc who did my ACL surgery a couple of years ago is doing very nicely. Lives in the nicest part of one of the nicest residential areas in the world. Owns his own two-story custom built building with Ortho exam/office area and his own affiliated patient billing company downstairs and his ow...
by TimeRunner
Tue Apr 08, 2014 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 8514

Re: Retired: When to move?

I wouldn't mind ending up where Julia Childs finished out her life, Casa Dorinda in Montecito, CA. Lovely place. You can get on the waiting list for maybe $20K now, then give them $700K or so (or more) for a lovely apartment to use for the remainder of your days, then it goes back in the pool for th...
by TimeRunner
Mon Apr 07, 2014 11:19 pm
 
Forum: Personal Consumer Issues
Topic: Retired: When to move?
Replies: 43
Views: 3999

Re: Anyone else very reluctant to buy right now?

When you feel nervous about investing in the market, just put the $500 or whatever it is you were thinking about investing towards paying off your mortgage.
by TimeRunner
Mon Apr 07, 2014 10:08 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 12181

Re: California Taxes - Am I Missing Something?

Taxes here in Missouri are only 6%. Nevertheless, I still want to move to Southern California. For Bogleheads living in California, do you think it would be a mistake to consider Riverside County for the sake of lower housing prices. Also the desert towns like Palm Desert have more affordable housi...
by TimeRunner
Mon Apr 07, 2014 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 8514

Re: California Taxes - Am I Missing Something?

Sales tax in my county is 8%. Each county can slightly vary. Sales taxes apply to goods, not services, and offhand, food and medicine and take-out food is exempt, but sit-down food is taxed. (Hence, the oft-asked question, here or to go?) Gasoline and diesel are more expensive because they have high...
by TimeRunner
Mon Apr 07, 2014 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 8514

Re: TSP Expense Ratios updated for 2014 (CY 2013)

29 cents per $1,000 investment. Not bad, not bad at all. 8-)
by TimeRunner
Sun Apr 06, 2014 10:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP Expense Ratios updated for 2014 (CY 2013)
Replies: 3
Views: 312

Re: I accidentally discovered a coworkers salary... now what

It's her folder - let her mismanage it herself.
by TimeRunner
Fri Apr 04, 2014 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: I accidentally discovered a coworkers salary... now what?
Replies: 59
Views: 5506

Re: Buying for someone who "has everything"

Artisanal chocolates, locally sourced. Doesn't matter if they are an Ironman athlete - one after dinner every night for a couple of weeks is still to die for.
by TimeRunner
Fri Apr 04, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: Buying for someone who "has everything"
Replies: 43
Views: 2306

Re: Google Stock Dividend

I'm seeing the same thing. The Class A shares have all of the original cost basis in them, and the Class C shares have a cost basis of zero. Selling the Class A shares returns all of my original investment plus the gain to half the value of Class A + Class C. Selling the Class C shares gives me pure...
by TimeRunner
Fri Apr 04, 2014 6:16 pm
 
Forum: Investing - Theory, News & General
Topic: Google Stock Dividend
Replies: 42
Views: 2773

Re: Best TV Shows and YouTube channels related to money?

I will admit I like The Profit too. The Profit has been fun to watch if you haven't seen it. He says "business success is about people, process, and product," and picking a business, walking in, analyzing what's broken, and trying to fix it makes for some good drama. One ended in him walk...
by TimeRunner
Fri Apr 04, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Best TV Shows and YouTube channels related to money?
Replies: 13
Views: 1101
Next

Return to advanced search