Search found 504 matches

by TimeRunner
Wed Sep 02, 2015 8:54 pm
Forum: Forum Issues and Administration
Topic: growing plans [Server Upgrade SATURDAY 7:30 AM Eastern]
Replies: 10
Views: 954

Re: growing plans

If you have a Fidelity Donor Advised Fund, it's easy to find and contribute to The John C. Bogle Center for Financial Literacy, and earmark the donation to support the Bogleheads.org website. If you've never heard of a Donor Advised Fund (aka DAF), see this wiki entry: http://www.bogleheads.org/wiki...
by TimeRunner
Tue Sep 01, 2015 10:23 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 98
Views: 13146

Re: Improving the TSP [for current participants]

But you got me thinking. If we can't convince the TSP to allow in-plan Roth conversions, can we convince them to accept Roth funds from other custodians? Perhaps, the latter would be easier from the regulatory and accounting perspectives?Victoria As Rkhusky point out, TSP Roth is subject to RMAs, w...
by TimeRunner
Mon Aug 31, 2015 10:11 pm
Forum: Forum Issues and Administration
Topic: [forum running at] Slow speed
Replies: 71
Views: 3751

Re: Slow speed

If you have a Donor Advised Fund (typically Fidelity or Vanguard), please consider a contribution to the John C. Bogle Foundation for Financial Literacy, and earmark it for supporting the Bogleheads.org website. Hopefully that money will find its way to supporting this site. :beer
by TimeRunner
Mon Aug 31, 2015 7:57 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 98
Views: 13146

Re: Improving the TSP [for current participants]

The number of TSP participants who want, much less understand, In-account Roth conversions is probably no more than 10,000 out of several million participants, and the number who have contacted TSP about it (including me) is probably under 100. I can understand why it's on their back burner, even if...
by TimeRunner
Thu Aug 27, 2015 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Prepaying Mortgage Question
Replies: 24
Views: 2494

Re: Prepaying Mortgage Question

Strongly urge you to NOT borrow from your TSP. Per TSP website: " Loan Costs Direct Costs Loan Fee. The TSP charges a loan fee of $50 for administrative expenses. The TSP deducts the fee from your loan proceeds. For example, if you request a loan for $1,000, the amount paid to you will be $950....
by TimeRunner
Wed Aug 26, 2015 6:46 pm
Forum: Personal Consumer Issues
Topic: Dinning in Taos and Santa Fe
Replies: 19
Views: 1626

Re: Dinning in Taos and Santa Fe

It's been a long while since I was a New Mexican, but this place had fine NM food and atmosphere: http://www.ranchodechimayo.com/food/food.htm
by TimeRunner
Wed Aug 26, 2015 8:18 am
Forum: Personal Consumer Issues
Topic: washing machine [Recommendations for]
Replies: 39
Views: 4425

Re: washing machine [Recommendations for]

HE Top Loaders are energy efficient and have fewer reported problems with mold and musty odors. We considered a front loader but found a top loader that is HE and performs well. On extended warranties, I think they are worth it for washing machines and higher-end refrigerators (with ice makers and d...
by TimeRunner
Sun Aug 23, 2015 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]
Replies: 56
Views: 5705

Re: What is Your Plan B if Quicken dies?

Looks like InvestmentAccountManager will import from Quicken and handle all the investment tracking for Windows folks: http://www.investmentaccountmanager.com/

I'll try iBank (Mac) again if/when Quicken 2014 fades away. By then I'll be retired! :beer
by TimeRunner
Thu Aug 20, 2015 9:44 pm
Forum: Personal Consumer Issues
Topic: What about the Ford Edge? [Revised for 2015 model]
Replies: 90
Views: 8462

Re: What about the Ford Edge? [Revised for 2015 model]

One sign of higher quality and higher grade (google for the difference if you think they are the same) is to look at the wiring harnesses under the hood. Do they look like they were built in an Indonesian hut or slum sweatshop, or assembled on a factory line? Are the connectors high quality, the cri...
by TimeRunner
Thu Aug 20, 2015 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Charitable
Replies: 44
Views: 2803

Re: Fidelity Charitable

On this same theme, sometimes the charity has a capital campaign or anniversary campaign or alumni 'Class of X" coming up in the next year or two, and your donation would be more impactful at that time than now. :idea:
by TimeRunner
Thu Aug 20, 2015 12:02 pm
Forum: Personal Consumer Issues
Topic: washing machine [Recommendations for]
Replies: 39
Views: 4425

Re: washing machine

We have the same LG top-load HE model as Doom and Gloom. It does save a huge amount of water compared to the 20 year old Maytag it replaced, arguably too much. Performance is fine, remembering to only use no more than two tablespoons of HE detergent (Costco brand). So far the only issue was the glas...
by TimeRunner
Wed Aug 19, 2015 1:25 pm
Forum: Investing - Theory, News & General
Topic: tsp watchdog?
Replies: 10
Views: 776

Re: tsp watchdog?

Thanks all. I thought it was a little like timing. But, I often want to put all my TSP in the G fund now, because all the funds are going down now. I know I need to just leave it alone, but it kills to know it keeps going down..... :shock: ...and when you buy new shares every two weeks, you're payi...
by TimeRunner
Tue Aug 18, 2015 9:51 pm
Forum: Investing - Theory, News & General
Topic: Should you "weight" pre-tax and post-tax money differently when you AA?
Replies: 55
Views: 2345

Re: Should you "weight" pre-tax and post-tax money differently when you AA?

I'm with Grabiner. The difference between total-assets-no-tax vs total-assets-with-anticipated-taxes (in California, no less) is a healthy six figures, and should be taken into account.
by TimeRunner
Tue Aug 18, 2015 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Charitable
Replies: 44
Views: 2803

Re: Fidelity Charitable

It's a line item that shows up under Statements and Confirmations as "Annual Administrative Adjustment".
by TimeRunner
Tue Aug 18, 2015 8:16 pm
Forum: Personal Consumer Issues
Topic: Non-Retirees: Scared about retirement?
Replies: 45
Views: 4994

Re: Non-Retirees: Scared about retirement?

I'm not scared, but I have some concerns about my wife continuing to work and how she might feel every night when I tell her about that great wave I rode, or my mountain paraglide flight, or the cycling workout I did (that she didn't get to do) on the local club ride. I guess I could NOT talk about ...
by TimeRunner
Tue Aug 18, 2015 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Charitable
Replies: 44
Views: 2803

Re: Fidelity Charitable

Individual Giving Account: 0.60% (60 basis points) or $100 (whichever is greater) on first $500K. Remember, it's coming out of $ you've already given away and taken a TD for, so your beneficiary charities get a little less, but in a sense they are paying the fees for your DAF. Most would say, "...
by TimeRunner
Sun Aug 16, 2015 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Charitable
Replies: 44
Views: 2803

Re: Fidelity Charitable

Works great. We donated some highly appreciated Google shares to fund it. We enjoy donating to worthwhile charities we come across and giving them our name only...no address or other identifying information, so we aren't put on any sucker lists or pinged for additional donations. The donation is inv...
by TimeRunner
Tue Aug 11, 2015 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Stubborn family members...take a look at this one!
Replies: 20
Views: 2803

Re: Stubborn family members...take a look at this one!

It has an amusing ticker symbol: FQNUEX .
by TimeRunner
Mon Aug 10, 2015 8:02 pm
Forum: Personal Consumer Issues
Topic: Buying a Rolex Watch
Replies: 74
Views: 6454

Re: Buying a Rolex Watch

Rolex sold $4.5-4.6 BILLION in 2014. This does not include the RESALE, USED, and VINTAGE markets. Here's some rather amazing statistics: Courtesy Statisticsbrain.com: Wrist Watch Industry Statistics Statistic Verification Source: Federation of the Swiss Watch Industry (FH), Convention Patronale, Ban...
by TimeRunner
Mon Aug 10, 2015 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Put all my TSP in G fund ??
Replies: 17
Views: 1515

Re: Put all my TSP in G fund ??

Put simply, you'll never become a TSP millionaire if you put all your TSP in the G fund...and a million just isn't what it was when the term millionaire was coined.
by TimeRunner
Sun Aug 09, 2015 8:20 pm
Forum: Personal Consumer Issues
Topic: Buying a Rolex Watch
Replies: 74
Views: 6454

Re: Buying a Rolex Watch

I think the cool thing about a quality, luxury watch that you can wear daily and admire is...that it reminds you that you're running out of time, that life is shorter than you think, and that if you're waiting to do something sometime in the future, that future is here and you need to do it now, bec...
by TimeRunner
Fri Aug 07, 2015 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: I thought it was a simple pension question (federal benefits)
Replies: 7
Views: 1083

Re: I thought it was a simple pension question (federal benefits)

PS/thanks Time Runner No trouble. One caution is that this manual hasn't been updated for FERS S/L counting in FERS service years/months. Calc it the same way as is done for CSRS, using the Sick Leave conversion chart in section 50C1.1-1 to convert S/L hours to years/months, then add that to your l...
by TimeRunner
Thu Aug 06, 2015 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: I thought it was a simple pension question (federal benefits)
Replies: 7
Views: 1083

Re: I thought it was a simple pension question (federal benefits)

The authoritative source for the answer to your question is based on a pencil and paper manual from April, 1998 (with some follow-on tech notes). If you really want to know, it's fun in-a-geeky-way to crank through the calcs yourself. Once you do that a couple of times, you'll know exactly how it's ...
by TimeRunner
Mon Aug 03, 2015 10:55 pm
Forum: Personal Consumer Issues
Topic: SUV advice
Replies: 119
Views: 8776

Re: SUV advice

2016 Mazda CX-5 all the way! Watch Alex on Autos review of it on Youtube (just came out a few days ago): https://www.youtube.com/watch?v=CTtoSFehn2E&index=5&list=WL Didn't know about "Alex on Autos". Smart guy, smart approach to an otherwise smarmy review industry, although I conf...
by TimeRunner
Mon Aug 03, 2015 6:39 pm
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 196
Views: 13797

Re: Would you look down on a co-worker for driving a beater?

I've been fortunate enough to surf and live out of a VW bus, rebuild a 'free' '69 Opel Kadett (1.1 ltr engine..LOL), convert the electrics and get running again a '42 GMC pick-up when it was literally all I could afford ($300), and buy a beater from a fellow seasonal in Denali park with a frozen Red...
by TimeRunner
Sun Aug 02, 2015 10:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: bogleheadism == Vanguard?
Replies: 66
Views: 5616

Re: bogleheadism == Vanguard?

I say I agree with John Bogle, Alex ("Founder"), Mel ("Moderator"), Taylor and Grabinor ("Advisory Board"), and Victoria (Retired fed/TSP account holder, smart commenter, and lifeguard, Black Swan Lake). :beer
by TimeRunner
Sat Aug 01, 2015 3:35 pm
Forum: Personal Consumer Issues
Topic: Major home renovation your thoughts
Replies: 39
Views: 3984

Re: Major home renovation your thoughts

It appears from some Googling that typical single family home fire sprinkler system supply lines are wet/pressurized, which reduces cost and enables only the sprinkler(s) that activate due to heat to discharge water. The other sprinklers will remain closed.
by TimeRunner
Fri Jul 31, 2015 11:34 am
Forum: Personal Finance (Not Investing)
Topic: CA State Refund Intercepted by DMV
Replies: 12
Views: 1427

Re: CA State Refund Intercepted by DMV

Yeah, to be clear the moto wasn't leased, it was owned by me, and the dealer had me fill out and sign all the paperwork to do the transfer at the time I turned in the old moto and picked up the new one. The dealer turned in the paperwork to transfer the new moto to me, but didn't turn in the paperwo...
by TimeRunner
Fri Jul 31, 2015 11:16 am
Forum: Personal Finance (Not Investing)
Topic: CA State Refund Intercepted by DMV
Replies: 12
Views: 1427

Re: CA State Refund Intercepted by DMV

This resonated with me because I had traded a motorcycle to a dealer who did not seem in any hurry to remove my name from the registration, so I was getting warning notices from DMV about needing insurance and renewing registration. I had to ping the dealer a few times to get my name off the paperwo...
by TimeRunner
Tue Jul 28, 2015 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Geico Auto Insurance
Replies: 63
Views: 3776

Re: Geico Auto Insurance

We have two cars, a motorcycle, and umbrella liability insurance with GEICO. No claims experience. Homeowners' policy is with USAA.
by TimeRunner
Tue Jul 28, 2015 12:06 pm
Forum: Investing - Theory, News & General
Topic: TSP May Expand Options
Replies: 20
Views: 1549

Re: TSP May Expand Options

This is a good place to keep an eye on TSP: http://www.frtib.gov/MeetingMinutes/index.html As you can see, they run a couple of months behind on the meeting minutes and posting of meeting materials (linked to from the minutes). There's also hope of more withdrawal options - which can be implemented ...
by TimeRunner
Fri Jul 24, 2015 11:47 am
Forum: Investing - Theory, News & General
Topic: Apple individual stock, what am I missing here?
Replies: 55
Views: 4310

Re: Apple individual stock, what am I missing here?

On the other hand, few know if the Apple Watch is a hit or a miss, or how big the market really is for a luxury brand smartwatch. Apple's also not delivered well (yet) on Apple Music, and past efforts including iCloud synching (a work in progress), MobileMe, and eWorld, (the last two already forgott...
by TimeRunner
Thu Jul 23, 2015 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Parent caught up in forex (vietnamese dong) scam... What should I do?
Replies: 50
Views: 7656

Re: Parent caught up in forex (vietnamese dong) scam... What should I do?

The thumbprint is a nice touch. Has anyone here ever had a legitimate transaction that required a fingerprint? Mike Yes, for notarized mortgage documents in Calif, where a finger print (can't remember if thumb or index finger) is placed next to ink sig in Notary's record book. Probably where the sc...
by TimeRunner
Tue Jul 21, 2015 8:59 pm
Forum: Personal Consumer Issues
Topic: lock for $500 bike
Replies: 27
Views: 2534

Re: lock for $500 bike

I did some lock research and the Abus line of folding locks looks really good, except maybe the 6050 which takes some shortcuts to be extra-light. The 6100/90 combo (no key needed) would be handy for the beach, where no key is cool. Otherwise a 6000 (key) or 6500 (heavy bomb-proof) looks great. Goog...
by TimeRunner
Tue Jul 21, 2015 10:57 am
Forum: Personal Consumer Issues
Topic: lock for $500 bike
Replies: 27
Views: 2534

Re: lock for $500 bike

itstoomuch wrote:TiGr (TiGr.com) titanium bar and harden stainless steel german/special cut key, lock.
2# weight. Don't lose the key because a diamond wheelgrinder will take some time to cut it.


Cool locks, thanks. URL is actually: https://tigrlock.com/
by TimeRunner
Sat Jul 18, 2015 7:06 pm
Forum: Personal Consumer Issues
Topic: Best Place to Buy Quality Bathroom Scale
Replies: 11
Views: 993

Re: Best Place to Buy Quality Bathroom Scale

I like the Tanita line of scales. You might as well monitor body fat if you're monitoring your weight. http://www.tanita.com/en/body-water-mon ... at-scales/

Available at the usual places like Amazon, etc.
by TimeRunner
Sat Jul 18, 2015 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Arrangements
Replies: 2
Views: 461

Re: HSA Arrangements

Great question, BFG. Banks must have lobbied to be the sole gatekeeper for HSAs. Money talks.
by TimeRunner
Sat Jul 18, 2015 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Is now a decent time to buy gold? [Portfolio help]
Replies: 88
Views: 7087

Re: Is now a decent time to buy gold?

Finale quote from Zweig's WSJ Article: "So, if buying gold is an act of faith, how much money should you put on the line? Laurens Swinkels, a senior researcher at Norges Bank Investment Management in Oslo, reckons that the total market value of the world’s financial assets at the end of 2014 wa...
by TimeRunner
Tue Jul 14, 2015 9:16 pm
Forum: Personal Consumer Issues
Topic: Music player while exercising
Replies: 32
Views: 1842

Re: Music player while exercising

I use an Apple iPod Nano 6th generation, for spinning (on a trainer in the garage) and running. I've probably gone through 3 of these over the years. Way better than carrying your phone with an armband. It's light and easily clips to your waistband near the small of your back. Run the cord along you...
by TimeRunner
Sun Jul 12, 2015 1:37 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 194
Views: 17641

Re: OPM breach and credit freeze

...or skip the CSID security theatre window dressing stuff and just do these steps as recommended earlier in the thread, this post: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=168059&start=100#p2536039 You should probably do these things, OPM breach or no breach, because the Intern...
by TimeRunner
Thu Jul 09, 2015 4:28 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 194
Views: 17641

Re: OPM breach and credit freeze

Not to beat a dead horse, but take note of the latest, quote from WSJ: "Updated July 9, 2015 4:51 p.m. ET WASHINGTON—Hackers who broke into the U.S. Office of Personnel Management’s computer network stole 19.7 million background investigation forms and 1.1 million fingerprint records, the agenc...
by TimeRunner
Tue Jul 07, 2015 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Thanks to Forum Administrators
Replies: 16
Views: 1702

Re: Thanks to Forum Administrators

Yes, thanks! Not to jump the shark, but are any contributions to the John Bogle Foundation used to support the Bogleheads Forum? And if so, significantly (as a proportion of their donations)? Even after searching, it is not clear to me, and the "Support this Site" link makes no mention of...
by TimeRunner
Tue Jul 07, 2015 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Thanks to Forum Administrators
Replies: 16
Views: 1702

Re: Thanks to Forum Administrators

Yes, thanks! Not to jump the shark, but are any contributions to the John Bogle Foundation used to support the Bogleheads Forum? And if so, significantly (as a proportion of their donations)? Even after searching, it is not clear to me, and the "Support this Site" link makes no mention of ...
by TimeRunner
Mon Jul 06, 2015 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Meb Faber's Cambria Global Asset Allocation Fund (GAA)
Replies: 16
Views: 900

Re: Meb Faber's Cambria Global Asset Allocation Fund (GAA)

I say Go for it. Then report back every year on how you're doing. Inquiring minds want to know, without investing our assets. :D
by TimeRunner
Tue Jun 30, 2015 8:19 pm
Forum: Investing - Theory, News & General
Topic: Active Funds Win Battles But Lose Wars
Replies: 15
Views: 2288

Re: Active Funds Win Battles But Lose Wars

Buffet's 84 years 10 months and still has to put his pants on one leg at a time. If he steps on a pant leg and trips, it's Broken Hip City.

Are you feeling lucky, or just confident? Image
by TimeRunner
Sat Jun 27, 2015 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Move for a Federal Job - Finances?
Replies: 21
Views: 2591

Re: Move for a Federal Job - Finances?

Federal IT is in a big push to get apps and systems into the Cloud, and reduce costs by virtualizing desktops, using thin clients, whitelisting apps and locking down desktops, etc. This is in an effort to reduce costs and shift responsibilities/risks, especially when bad things keep happening (see O...

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