Search found 478 matches

by TimeRunner
Sun Aug 02, 2015 10:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: bogleheadism == Vanguard?
Replies: 65
Views: 4318

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: 35
Views: 3331

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: 11
Views: 1065

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: 11
Views: 1065

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: 3614

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: 1488

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: 4138

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: 44
Views: 5367

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: 2465

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: 2465

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: 961

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: 443

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: 6852

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: 1784

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: 17158

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: 17158

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: 1634

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: 1634

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: 849

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: 2258

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: 2531

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...
by TimeRunner
Thu Jun 25, 2015 11:55 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 194
Views: 17158

Re: OPM breach and credit freeze

In addition to Victoria's summation list, add: Enable two-factor authentication where offered. LastPass - use two-factor authentication (2FA) for signing in from a new computer or device. Vanguard offers 2FA. Ditto most banks, etc. Your password-protected smartphone makes a reasonable and convenient...
by TimeRunner
Tue Jun 23, 2015 10:46 am
Forum: Personal Consumer Issues
Topic: Optimize trip to China
Replies: 24
Views: 2529

Re: Optimize trip to China

If taking a laptop and cell phone, what is the best way to communicate from China back to the US? Google Voice from a cell phone? Do not take a laptop or cellphone. :oops: Google "security taking laptop to china" or similar. "Do not assume you’re too insignificant to be targeted."
by TimeRunner
Mon Jun 22, 2015 9:44 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 194
Views: 17158

Re: OPM breach and credit freeze

Quote in today's WSJ from General Michael Hayden, after a career in the U.S. Air Force, [who ]became the only person to have served as director of both the National Security Agency and the Central Intelligence Agency: ...we still have a bunch of scrimmages down here in physical space about what it i...
by TimeRunner
Fri Jun 19, 2015 2:47 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 194
Views: 17158

Re: OPM breach and credit freeze

Note that they recommend a fraud alert and don't mention the possibility of a credit freeze. Without getting banned for politics, all I'll say is that telling 14 million people to remove themselves from the credit/loan/dossier system is not something that would have gone over well with the White Ho...
by TimeRunner
Fri Jun 19, 2015 1:13 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 194
Views: 17158

Re: OPM breach and credit freeze

My approach is to ignore the CSID offer. Our credit has been frozen since 2007, and I agree with Krebs. Also, as mentioned on another thread, it would be proactive to change all your security challenge questions on websites, especially banking, financial, health, and any site storing your payment (C...
by TimeRunner
Fri Jun 19, 2015 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Major issues with new HSABank.com website
Replies: 41
Views: 4745

Re: Major issues with new HSABank.com website

I got an email today from HSABank saying my balance had slipped below $5K (the threshold where one pays an account maint fee). Checked the website and they sent a transfer I had scheduled on 6/17 through twice, once that day and again yesterday. Contacted them by phone and got it straightened out, b...
by TimeRunner
Thu Jun 18, 2015 9:03 pm
Forum: Personal Consumer Issues
Topic: Password manager recommendations?
Replies: 86
Views: 8617

Re: Password manager recommendations?

Use a random word, like "Monkey4Bananas". Might be a good idea, but, how do you remember what you said unless you use Monkey4Bananas for every question for every account that asks these questions? Use LastPass notes field. There's a notes field for each website login, so just put the secu...
by TimeRunner
Thu Jun 18, 2015 11:35 am
Forum: Personal Consumer Issues
Topic: I'm 90% sure that I'm going to buy a Street Triple.
Replies: 9
Views: 2425

Re: I'm 90% sure that I'm going to buy a Street Triple.

I have a Triumph Tiger 800 ABS Roadie (not XC) that is great for the kind of trips you are taking. It handles the canyons and bumpy roads well, and has an upright seating position. ST R is a fine machine too.
by TimeRunner
Thu Jun 18, 2015 10:15 am
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 296
Views: 149964

Re: Suggestions for the Wiki

Suggestion to update wiki info regarding Rick Ferri's Core 4 portfolios (e.g. https://www.bogleheads.org/wiki/Lazy_portfolios) to update asset allocation to his revised recommendation per this msg: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=154400&start=350#p2519915 . Rick says it...
by TimeRunner
Wed Jun 17, 2015 12:41 pm
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 155
Views: 14023

Re: LastPass.com Breach

I switched from KeePass to LastPass a while ago. Mainly so my wife and I could share our account info as they were constantly out of sync. I do like the integration of LP to the web. However, I do have one security gripe. On the sites that do not auto fill, I have to copy and paste the username and...
by TimeRunner
Wed Jun 17, 2015 10:18 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 410
Views: 67642

Re: Rick Ferri looking to internationalize his portfolio

The new equity allocation would be: 50% US stock 40% International 10% REITs Rick Ferri I meant to thank you for responding to my question. Thank You (from a Core 4 aficionado). :beer Hi TimeRunner, How long have you invested in the Core Four and what are your thoughts on this portfolio? Rick has a...
by TimeRunner
Tue Jun 16, 2015 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Proving address to credit bureaus
Replies: 10
Views: 1148

Re: Proving address to credit bureaus

Try Equifax first. One item to validate ID, one item to validate address. Nothing said about statement printouts not being valid, after all a fax is considered valid on all kinds of transactions. See https://help.equifax.com/app/answers/detail/a_id/18
by TimeRunner
Tue Jun 16, 2015 10:51 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 410
Views: 67642

Re: Rick Ferri looking to internationalize his portfolio

Rick Ferri wrote:The new equity allocation would be:

50% US stock
40% International
10% REITs

Rick Ferri


I meant to thank you for responding to my question. Thank You (from a Core 4 aficionado). :beer
by TimeRunner
Tue Jun 16, 2015 10:19 am
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 155
Views: 14023

Re: LastPass.com Breach

I use Lastpass along with Google Authenticator app on my smartphone. Like Yubikey, etc, it's something you know (username/pw) and something you have (the Auth software which generates a new code every 30 seconds with my instance of the Auth software tied to Lastpass). It seems like a good combo, and...
by TimeRunner
Mon Jun 15, 2015 9:02 pm
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 155
Views: 14023

Re: LastPass.com Breach

Image
"Did you salt that password hash 60,000 times, or maybe it was only 50,000. To tell you the truth, I forgot myself in all this excitement."
by TimeRunner
Sun Jun 14, 2015 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Chase checking account hacked
Replies: 15
Views: 2514

Re: Chase checking account hacked

Years ago when I was a young lad paying rent, I used to leave the rent check in my landlord's mailbox. A local thief intercepted the check and took it to my local bank branch where he filled out a deposit slip, deposited a check he had stolen from someone else that he made out to me, and then got ca...
by TimeRunner
Fri Jun 12, 2015 7:11 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 8641

Re: Chromebooks- What is the lure?

I just spent a couple of my evening hours trying to get a computer-indigent friend's Sony Vaio, circa 2011 on Windows 7 Home Premium, to print to a new HP Deskjet. Apps were writing files to the print spooler thru some HP and MS drivers, then the Spooler was reporting the job as printing successfull...
by TimeRunner
Tue Jun 09, 2015 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Tsp allocation question
Replies: 26
Views: 2017

Re: Tsp allocation question

Sorry I wasn't more clear. If you track your contributions externally in software like Quicken, then every two weeks you will post the contributions from your paycheck as: 1. Your Employee Contribution (Roth or Traditional or both) 2. Your Agency's Contribution (always goes to Traditional IRA) 3. If...
by TimeRunner
Tue Jun 09, 2015 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Tsp allocation question
Replies: 26
Views: 2017

Re: Tsp allocation question

One tip, if you track your contributions externally in something like Quicken: Contribute 100% to G fund, and then rebalance on some schedule (quarterly to yearly) using the TSP Interfund Transfer. If you do a G/C/S/I fund split every two weeks, it's a lot of bookkeeping work, especially if you use ...
by TimeRunner
Tue Jun 09, 2015 6:23 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 410
Views: 67642

Re: Rick Ferri looking to internationalize his portfolio

The core 4 allocated 60% to US stock, 30% to international and 10% to REITs for the non-bonds portion. What's the recommended new split in light of internationalization? (e.g. 55/35/10, 50/40/10 or ?) Core 4 thread and wiki entry should be updated, yes?
by TimeRunner
Mon Jun 01, 2015 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Housing Market in SoCal
Replies: 55
Views: 5910

Re: Housing Market in SoCal

General obvious observation: The coast is linear, and price increases exponentially to coastal proximity...even with industrial land use (oil refinery, power plant, nuclear reactor site). Always plenty of room inland, but there's only so much coast.
by TimeRunner
Sat May 30, 2015 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Housing Market in SoCal
Replies: 55
Views: 5910

Re: Housing Market in SoCal

A 3 small bdrm, 1 ba house that the owner tarted up with probably $80K worth of work is on the market for $930K in my 'hood here in Coastal CA. Great little town, but the house is not in a not great local location. In fact, across the street is the local school district bus barn. Think diesel engine...
by TimeRunner
Sat May 30, 2015 10:11 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 85
Views: 12116

Re: Improving the TSP [for current participants]

Feds have the pension and the pension supplement and SS eligibility when they opt to collect. If you are a FERS employee retiring shortly after age 62, not filing for SS until 70, pension only (plus investment income) in the 'tween years, that may be a very good window to do Roth conversions, espec...
by TimeRunner
Thu May 28, 2015 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Opened a Vanguard Account
Replies: 6
Views: 734

Re: Opened a Vanguard Account

I wouldn't presume to tell you to sell the car, but I'd try to pay the loan off asap. (There's some friction and some risk in buying and selling.)

Good on ya for opening a Vanguard account at 21. :beer
by TimeRunner
Wed May 27, 2015 8:54 am
Forum: Personal Finance (Not Investing)
Topic: IRS Transcript page hacked
Replies: 23
Views: 1640

Re: IRS Data Breach Announced Today

One report after another of data breaches. This is finally at the point where I am wondering if Bogleheads normally freeze their credit just on general principles? I guess that still leaves one open to some effects of identity theft? Living in California, it costs $30 to unfreeze the Big Three cred...

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