Search found 456 matches

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: 1656

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: 2341

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: 161
Views: 12861

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: 2427

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: 161
Views: 12861

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: 161
Views: 12861

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: 161
Views: 12861

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: 4586

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: 8190

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: 2388

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: 147042

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: 153
Views: 12546

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: 377
Views: 60980

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: 1100

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: 377
Views: 60980

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: 153
Views: 12546

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: 153
Views: 12546

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: 2437

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: 7813

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: 1876

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: 1876

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: 377
Views: 60980

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: 5718

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: 5718

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: 83
Views: 11519

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: 714

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: 1569

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...
by TimeRunner
Mon May 25, 2015 10:13 pm
Forum: Personal Consumer Issues
Topic: Bogota and the Coast of Columbia travel
Replies: 42
Views: 6161

Re: Bogota and the Coast of Columbia travel

Don't know where this thread was left, but I did go to Roldanillo to fly, and enjoyed the Valley - La Union, La Victoria, Zarzal. Almost everyone was very friendly and curious. The rural farmers were born from the earth, lived to till the earth, and returned to the earth after what we first-worlder'...
by TimeRunner
Sat May 23, 2015 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Major issues with new HSABank.com website
Replies: 41
Views: 4586

Re: Major issues with new HSABank.com website

And is the bank itself the problem? If you invest your HSA Bank account, most of the money may be with TD Ameritrade, which is a fine low-cost brokerage. I keep $5K at HSABank to avoid any fees, and as additional money dribbles in, keep transferring it to TDAmeritrade, to buy VTI, VEU, and optional...
by TimeRunner
Fri May 22, 2015 3:30 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 83
Views: 11519

Re: Improving the TSP [for current participants]

Communication with TSP of 5/21/15 thru the "Contact Us" website Messaging Center: Me: "Is there any updated information as to WHEN Traditional IRA to Roth IRA conversations will be implemented? This has long been on TSP's list of things to do, and I'm concerned that there has been lit...
by TimeRunner
Thu May 21, 2015 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Options after retroactive TSP dis-enrollment?
Replies: 9
Views: 1049

Re: Options after retroactive TSP dis-enrollment?

Thank you for sharing your experience. Sorry for your troubles - they are quite the exception, otherwise we'd hear alot more about these. I hope the TSP remains active for you and you can roll other funds into it. That seems to be the least USGOV can do at this point.
by TimeRunner
Tue May 19, 2015 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Proposed Changes in the Thrift Savings Plan (TSP)
Replies: 4
Views: 847

Re: Proposed Changes in the Thrift Savings Plan (TSP)

I'd rather see them deliver on TIRA to ROTH conversion and more flexible withdrawal options rather than train call center Account Retention Specialists (recruited from Satellite TV and Cable companies, heh).
by TimeRunner
Sat May 16, 2015 6:56 pm
Forum: Personal Consumer Issues
Topic: Looking for Cloud Storage Solution for Photo Back Ups
Replies: 20
Views: 1837

Re: Looking for Cloud Storage Solution for Photo Back Ups

Check out https://www.zoolz.com/Zoolz_Home , Zoolz home version. Uses Amazon cloud's "Cold Storage". I had some issues with the Mac client, but they finally updated it and solved the issue, so I'm pretty happy with it now. One nice feature is that you can mount network attached storage to ...
by TimeRunner
Fri May 15, 2015 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Major issues with new HSABank.com website
Replies: 41
Views: 4586

Re: Major issues with new HSABank.com website

I was just updated to the new website earlier this week. They quietly removed the Quicken web connect file download feature. They only support CSV format download now. :annoyed
by TimeRunner
Wed May 13, 2015 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Which of these 6 mortgages seem good?
Replies: 40
Views: 3992

Re: Which of these 6 mortgages seem good?

I locked in a 3% fixed 15-year conventional mortgage today with Provident Financial. It has a rebate of $1450 or so to apply against title insurance, etc. So far an easy crew to work with and easy website to upload docs, etc. Hopefully it will close in about 3 weeks. :beer Update: The loan fell thr...
by TimeRunner
Thu May 07, 2015 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Which of these 6 mortgages seem good?
Replies: 40
Views: 3992

Re: Which of these 6 mortgages seem good?

I locked in a 3% fixed 15-year conventional mortgage today with Provident Financial. It has a rebate of $1450 or so to apply against title insurance, etc. So far an easy crew to work with and easy website to upload docs, etc. Hopefully it will close in about 3 weeks. :beer
by TimeRunner
Fri May 01, 2015 11:49 pm
Forum: Personal Consumer Issues
Topic: Powerwall: The Arrival of Home Battery Backup System
Replies: 53
Views: 5424

Re: Powerwall: The Arrival of Home Battery Backup System

In the last year, our peak month electrical use was 503kW last January, lowest month was August 2014 at 305kW. Two house occupants, not much TV watching, energy efficient house and lifestyle. We prefer the outdoors. Going off the grid isn't maybe as big a hurdle for us. YMMV for sure. :beer
by TimeRunner
Fri May 01, 2015 3:09 pm
Forum: Personal Consumer Issues
Topic: Powerwall: The Arrival of Home Battery Backup System
Replies: 53
Views: 5424

Re: Powerwall: The Arrival of Home Battery Backup System

The cost of every kWh keeps rising, and meter costs, distribution costs, investment recovery costs, nuclear power decommissioning costs, regulatory costs, etc keep rising even faster. The more we reduce our power use, the less electricity per house the utility sells, so they raise the unit cost and ...
by TimeRunner
Fri May 01, 2015 12:51 pm
Forum: Personal Consumer Issues
Topic: Powerwall: The Arrival of Home Battery Backup System
Replies: 53
Views: 5424

Re: Powerwall: The Arrival of Home Battery Backup System

SolarCity is providing additional details too: http://www.solarcity.com/newsroom/press/solarcity-introduces-affordable-new-energy-storage-services-across-us and more details in the SolarCity Blog, "A breakthrough in the affordability of Solar Battery Systems": http://blog.solarcity.com I e...
by TimeRunner
Thu Apr 30, 2015 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Guidance About New Spouse's IRS Issues
Replies: 47
Views: 3037

Re: Guidance About New Spouse's IRS Issues

My 2 cents: Tell your husband to put down the phone and the two of you get a professional to review everything before further contact with the IRS. Then follow that pro's advice. That will get you way down the road. Choose to not carry the emotional baggage that comes with this. Use the situation to...
by TimeRunner
Wed Apr 29, 2015 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Guidance About New Spouse's IRS Issues
Replies: 47
Views: 3037

Re: Guidance About New Spouse's IRS Issues

spectec wrote:...and sometimes some of the tax isn't even valid. IRS has been known to make all sorts of mistakes....


THIS. Is the IRS 100% correct? You really need to know.
by TimeRunner
Wed Apr 29, 2015 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: TSP Contribution Limit
Replies: 7
Views: 680

Re: TSP Contribution Limit

No. See this calculator for optimizing yearly contributions: https://www.tsp.gov/planningtools/elect ... ions.shtml
by TimeRunner
Thu Apr 23, 2015 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Manually Manage Quicken?
Replies: 46
Views: 2595

Re: Anyone Manually Manage Quicken?

I do manual entry for the non-automatic billing transactions, then an almost daily download that matches up what I entered, adds auto-billing transactions and anything I missed. I use Quicken 2014 running on a Windows 7 VM using VMWare Fusion on a Mac. (Sounds more complicated than it is.) I have tr...
by TimeRunner
Thu Apr 23, 2015 12:34 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds Poll
Replies: 72
Views: 4394

Re: Age in Bonds Poll

Closer to bonds=age/2 these days. :D

Addendum: Federal FERS Pension (roughly ~80% COLA adjusted), and bonds in TSP G fund (no risk other than Congressional).
by TimeRunner
Wed Apr 22, 2015 10:49 pm
Forum: Personal Consumer Issues
Topic: Motorcycles!
Replies: 36
Views: 2461

Re: Motorcycles!

I ride a 2013 Triumph Tiger 800 roadie. Awesome bike!
Image
by TimeRunner
Tue Apr 21, 2015 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank transfer to investment account issue?
Replies: 15
Views: 1204

Re: HSA Bank transfer to investment account issue?

The manual transfer they did for me yesterday was in my TDAmeritrade investment account this morning. Bueno.
by TimeRunner
Mon Apr 20, 2015 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank transfer to investment account issue?
Replies: 15
Views: 1204

Re: HSA Bank transfer to investment account issue?

tigermilk wrote:Keep us posted. If it goes through I'll do the same for my pending.
It's queued up on the website under scheduled transfers now so that's positive and it should go thru by April 22.
by TimeRunner
Mon Apr 20, 2015 11:08 am
Forum: Personal Finance (Not Investing)
Topic: HSA Bank transfer to investment account issue?
Replies: 15
Views: 1204

Re: HSA Bank transfer to investment account issue?

Follow-up. Since I had a follow-up transfer I wanted to do, they cancelled the pending one that was hung up and initiated a new one that included the new total transfer amount. Supposedly it will show up on the website in a few hours. The agent was very nice about it, and I didn't see any purpose in...

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