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Re: Clean investing in a single stock

You're not going to tell us what stock you are going to put big money on for the next five years? Aw suger. :P
by TimeRunner
Fri Aug 01, 2014 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Clean investing in a single stock
Replies: 4
Views: 338

Re: Help me save my parents from Merrill Lynch

Paying a modest fee for AUM --- (hello Rick Ferri)---may have value for even the smartest of bogle-head advocates. +1. As I posted in the other thread, Mom's in her mid-80's and not willing or interested in becoming internet-savvy, and my sister is a non-practicing attorney who is contentious and s...
by TimeRunner
Thu Jul 31, 2014 3:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me save my parents from Merrill Lynch
Replies: 54
Views: 5565

Re: Help with a new $5m portfolio for an old lady

My widowed Mom (mid 80's) is doing the AUM approach because I have a younger sister who is a non-practicing attorney with time on her hands, contrarian in nature, and who would object, resent, and be suspicious if I managed Mom's money. Mom is not and will not be 'internet-savvy' - not interested an...
by TimeRunner
Wed Jul 30, 2014 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with a new $5m portfolio for an old lady
Replies: 59
Views: 4215

Re: Fraudulent Charges Mystery

My credit card commonly gets compromised when I travel on business. My guess is waiters at restaurants are often up to no good when they take your card to the back room. Not even necessary to take your card anywhere. "They" can keep a battery operated card reader in their waiter/waitress ...
by TimeRunner
Tue Jul 29, 2014 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fraudulent Charges Mystery
Replies: 21
Views: 2720

Re: POLL: My home is worth less/more in 2014 than in 2007?

We appealed our property tax assessment and knocked about $100K off the assessed value. Once Zillow picked up the new assessed value, they dropped the Zestimate proportionally. Perhaps there's a formula that weights the assessment value and date of assessment, the more recent the assessment and the ...
by TimeRunner
Mon Jul 28, 2014 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 82
Views: 4077

Re: Graphic investment/retirement planning software?

Esplanner will give you those numbers, but it is more of an early-2000s software interface. It dumps out a PDF report as well as two multi-tabbed Excel sheets that contain tables and graphs. Not slick or polished by any means. Windows only, but will run on a Windows VM on a Mac. You could always pul...
by TimeRunner
Sun Jul 27, 2014 11:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Graphic investment/retirement planning software?
Replies: 5
Views: 640

Re: finding an adviser/handholder for wife

I'm holding out for a Porsche Boxster if recovery reveals that I can comfortably enter and exit. :wink: if not, a case of good wine. Even after the threads about a Porsche Boxster on the forum? I bet that guy wished he had bought the wine. This thread? http://www.bogleheads.org/forum/viewtopic.php?...
by TimeRunner
Sun Jul 27, 2014 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: finding an adviser/handholder for wife
Replies: 24
Views: 3341

Re: Vanguard sued for charging too little

Actually, the suit invokes New York State's False Claims Act, not the federal Act. The complaint is available here . Perhaps a Tax Lawyer can offer an opinion on the merits. I would guess it's not meritorious since the "New York Attorney General's Office chose not to prosecute Vanguard." ...
by TimeRunner
Sun Jul 27, 2014 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 114
Views: 11768

Re: Vanguard sued for charging too little

There's Whistleblower motivation at work here, obtaining a reward for reporting (proven) tax fraud. According to this google search result, http://www.phillipsandcohen.com/Qui-Tam-Whistleblowers/Whistleblower-Rewards.shtml , the relator (the guy filing the lawsuit) is entitled to 15-25% of what the ...
by TimeRunner
Sat Jul 26, 2014 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 114
Views: 11768

Re: Rich Spouse, Poor Spouse [Tax filing apportionment]

HomerJ wrote:
Alistair wrote:In all seriousness, start your own thread.


Why do you keep saying this? What does this mean?


It means that divorce, as a solution to the OP's question, is seriously off the table.
by TimeRunner
Fri Jul 25, 2014 5:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rich Spouse, Poor Spouse [Tax filing apportionment]
Replies: 77
Views: 5224

Re: Here's another "where should I retire" thread

@sscritic, going completely OT here, but my wife rode horses as a teen, and took it up again briefly as an adult, but never played polo. At a company team-building event, they played polo, and my wife said that you could not imagine how well-trained the polo ponies were. They knew where you should ...
by TimeRunner
Thu Jul 24, 2014 10:29 pm
 
Forum: Personal Consumer Issues
Topic: Here's another "where should I retire" thread
Replies: 104
Views: 6176

Re: Rich Spouse, Poor Spouse

With Turbotax, I calc mine as a single, hers as a single, and then MFJ, and apportion the MFJ in the same ratio as the two singles. It's not much work as you do the joint one first, then copy it and remove forms and adjust as needed for the more complicated single return, and just enter the single o...
by TimeRunner
Thu Jul 24, 2014 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rich Spouse, Poor Spouse [Tax filing apportionment]
Replies: 77
Views: 5224

Re: Taxable Accounts - Am I thinking about this the right wa

Mitt Romney turned his $450K IRA contributions into somewhere between $21 to $102 MILLION. See: http://www.bloomberg.com/news/2012-07-1 ... l-ira.html
by TimeRunner
Tue Jul 22, 2014 11:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxable Accounts - Am I thinking about this the right way?
Replies: 30
Views: 2736

Re: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth,

When you reduced the tax rate from 100% to something more reasonable like 15%, the impact becomes far less dramatic. But it's still there. ...and it typically may be tens of thousands to several hundred thousand dollars, so account for it, even knowing the 15-28% or whatever marginal tax is an esti...
by TimeRunner
Tue Jul 22, 2014 10:38 pm
 
Forum: Investing - Theory, News & General
Topic: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth, etc)
Replies: 77
Views: 3687

Re: Poll - Do you use Quicken?

Similar to earlyout, I track income and spending in Quicken, and investments and mortgage accelerated pay schedule in Google Sheets. Quicken runs on Win7 using VMWare Fusion on a Mac. I could eliminate Quicken and just use USAA banking app, VG app, etc, but after many Quicken years, it's a comfortin...
by TimeRunner
Mon Jul 21, 2014 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 66
Views: 3294

Re: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth,

What PriceOfFreedom said. Related thread of which I was OP: viewtopic.php?f=10&t=135649 , with some varying opinions.
by TimeRunner
Sun Jul 20, 2014 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth, etc)
Replies: 77
Views: 3687

Re: Easy careers to last me to retirement?

Another approach is to not worry about a career until retirement. Call yourself retired, and instead of a career, you're just working to supplement your retirement income. It's changing the mindset, perhaps self-delusionally, but whatever. There was a good article in the NY Times today about people ...
by TimeRunner
Fri Jul 18, 2014 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 92
Views: 13740

Re: Poll - Do You Read Businessweek?

Yes, but... I'm letting the subscription lapse and took a one-year subscription to WSJ (paper + digital) instead. For my taste, BW has become a cross between People, TV Guide, and Wired in terms of people focus (owners' favorite Gulfstream customizations), busy bite-size graphic sprawl, and 'how to ...
by TimeRunner
Thu Jul 17, 2014 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Poll - Do You Read Businessweek?
Replies: 28
Views: 1916

Re: It is time to retire when you .......

imgritz wrote:After sitting in an office job for 30 years, you long to be a forest ranger.


or, after being a backcountry ranger, you wish to have a life where you can be with your friends and family, hang your hat one last time and file your last tour report. :happy
by TimeRunner
Thu Jul 17, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 9678

Re: POLL: Do you have a dedicated REIT allocation?

REIT as 10% of equities holdings per Rick Ferri Core Four, see: http://www.bogleheads.org/blog/core-four-portfolios/
by TimeRunner
Wed Jul 16, 2014 3:59 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6980

Re: Footwear in Vietnam

Isn't Vietnam a major manufacturer of footwear? Seems like you would be able to buy anything there once you arrive...assuming you don't have huge feet.
by TimeRunner
Mon Jul 14, 2014 7:34 pm
 
Forum: Personal Consumer Issues
Topic: Footwear in Vietnam
Replies: 18
Views: 1444

Re: america the beautiful national parks and lands pass

Sadly, if you work for the National Park Service, you are still required to pay the entrance fee unless you are entering a Park on confirmable business (i.e. have an appointment, attending a training class, etc). Being employed by NPS does not waive entrance fees. It is not an employee benefit. PS Y...
by TimeRunner
Mon Jul 14, 2014 6:54 pm
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 61
Views: 4120

Re: Ditch car and commute to work in 250cc scooter in Raleig

+1 on Carlton's post. I ride a Triumph Tiger 800, a sweet machine, but only for fun. I stay out of big cities and ride the backroads and canyons. Life is full of risk, and risk mitigation by wearing "all the gear, all the time" (ATGATT) and riding 100% sober and in moderation are easy ways...
by TimeRunner
Sun Jul 13, 2014 7:05 pm
 
Forum: Personal Consumer Issues
Topic: Ditch car and commute to work in 250cc scooter in Raleigh?
Replies: 73
Views: 5374

Re: Do you deviate from the owner's manual?

I like this poll. I think the central question is, Do you follow the manual as preventive maintenance, hoping to save money in the long run, or deviate from the recommended schedule, gambling that you will save a little money immediately and still be okay in the long run? comma, or do you do PM mor...
by TimeRunner
Fri Jul 11, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Do you deviate from the owner's manual?
Replies: 35
Views: 3170

Re: Portfolio allocation question - Core Four using TSP and

I fund holding is relatively small vice VG Total International held in Investment account (and some in a Roth IRA) so it's not a big worry. Best of luck to both of you in whichever ways your careers take you.
by TimeRunner
Fri Jul 11, 2014 9:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation question - Core Four using TSP and IRA
Replies: 10
Views: 1406

Re: Portfolio allocation question - Core Four using TSP and

You mean 70/30 Stock/Bond ratio, right? Not 70 Bond 30 Stock as you posted.... I agree with Peter's advice. Use the G for your bond. I'm a Fed Core Four guy too, but I count the FERS pension as a bond, so the TSP only holds C,S and I, and outside Vanguard accounts (investment and Roth) hold REIT (Ro...
by TimeRunner
Thu Jul 10, 2014 11:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation question - Core Four using TSP and IRA
Replies: 10
Views: 1406

Re: Amazon prime - how to get the best out of it?

I'm reminded of the advantages/disadvantages of small town living. Our USPS, UPS, and Fed-X delivery folk know who we are, where we live, and how many packages from where and whom we get them from. The only thing I'm not sure about is if they are all friends with each other and discuss their deliver...
by TimeRunner
Thu Jul 10, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Amazon prime - how to get the best out of it?
Replies: 48
Views: 5124

Re: Vanguard Internet

The less statements, transaction confirmations, bills, and other financial information in my lightly secured postal mailbox, the better.
by TimeRunner
Wed Jul 09, 2014 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Internet
Replies: 23
Views: 2712

Re: Advice for how to fund my wedding

I like how Kim Kardashian funded her wedding. "The New York Post estimated the couple may have pulled in up to $17.9 million by selling rights to a TV special and exclusives, including the engagement announcement and wedding photos, and accepting comped items such as the bride's three Wang dres...
by TimeRunner
Tue Jul 08, 2014 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for how to fund my wedding
Replies: 54
Views: 2839

Re: Advice for how to fund my wedding

Simply: Good luck to you both! :sharebeer
by TimeRunner
Tue Jul 08, 2014 4:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for how to fund my wedding
Replies: 54
Views: 2839

Re: Easy careers to last me to retirement?

Forest Ranger. You can thank me later. When I was working,our top engineer decided he wanted to become a forest ranger. He quit and did that for a couple years , then came back and was rehired. Rangers "take their pay in Sunsets." For Fed Rangers (Park, Forest, BLM, etc), the organization...
by TimeRunner
Tue Jul 08, 2014 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 92
Views: 13740

Re: Asset bubble?

Article in today's NY Times on this topic: "Welcome to the Everything Boom, or Maybe the Everything Bubble", see:

http://www.nytimes.com/2014/07/08/upshot/welcome-to-the-everything-boom-or-maybe-the-everything-bubble.html?ref=business&_r=0
by TimeRunner
Tue Jul 08, 2014 11:10 am
 
Forum: Investing - Theory, News & General
Topic: Asset bubble?
Replies: 8
Views: 948

Re: Car did not start: To dispose? How?

Consider the time, effort and $ required to replace the car at a time when you said you already have a lot on your plate. A battery diagnosis and change out would be a quick repair so you can get to that other stuff.
by TimeRunner
Mon Jul 07, 2014 11:45 am
 
Forum: Personal Consumer Issues
Topic: Car did not start: To dispose? How?
Replies: 70
Views: 5553

Re: Continue subscribing to local newspaper?

My little town has a free weekly paper that covers it nicely. The metro area has several Internet news or news aggregator sites that have most of the news, the rest is covered by the metro free weekly paper. NYTimes is free with some ad and script blocking, as is LA Times and Wash Post. I pay for WS...
by TimeRunner
Fri Jul 04, 2014 8:25 pm
 
Forum: Personal Consumer Issues
Topic: Continue subscribing to local newspaper?
Replies: 86
Views: 6229

Re: do you lie about your finances to friends

Mom taught me to say: "Oh, talking about money - it's all sooo boring." Hehhehheh....
by TimeRunner
Thu Jul 03, 2014 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 8981

Re: One Year Follow Up -- Where have I failed!

You haven't failed, you're succeeding! :beer
by TimeRunner
Thu Jul 03, 2014 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: One Year Follow Up -- Where have I failed!
Replies: 17
Views: 2392

Re: The Millionaire Next Door: Are You One?

"The Millionaire Next Door" was written in 1996. Inflation from Dec 1996 through May 2014 is about 50%, so you should be asking if you are the $1.5M next door neighbor. :mrgreen:
by TimeRunner
Mon Jun 30, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22444

Re: Please help us decide where to live

"The grass is always greener over the septic tank." - Erma Bombeck Realize there is no perfect place and even if you found it, the small house or big Ranch next door could change owners or management and paradise would be lost. (I recently passed through West Glacier, MT and saw a nice ran...
by TimeRunner
Sun Jun 29, 2014 10:57 am
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 7878

Re: Anyone have experience with Lynda.com?

They are HQ'd nearby with very cutting edge production facilities, and have a very solid reputation, particularly for tech training. They are growing but don't seem to be getting too far ahead of themselves. I know several who work there, and they are sharp. They use a lot of UC Santa Barbara profes...
by TimeRunner
Mon Jun 16, 2014 9:27 pm
 
Forum: Personal Consumer Issues
Topic: Experience with Lynda.com? [online tech training]
Replies: 7
Views: 975

Re: Calling all Cyclists...

Consider also "Aquabike" training...Swim and Bike. USA Triathlon sanctions Aquabike races in conjunction with Triathlons. One nice one near here is the Santa Barbara Tri Aquabike Long Course. Swimming and biking is a great combo...good for your core and upper body, complementary. Cut way b...
by TimeRunner
Mon Jun 16, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Calling all Cyclists... [help getting into cycling]
Replies: 71
Views: 5161

Re: Cutting the cable cord - how did you do it?

Took down the Dish a few weeks ago after tiring of rate creep to $79/month for 150 channels of which maybe 15 had an occasional program worth watching. UPS'd the DVR and antenna headend back to their warehouse. Avoided unbelievable incessant persistent 'account retention specialist' escalation hand-...
by TimeRunner
Sat Jun 14, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 63
Views: 4418

Re: Should I buy time in my gov't pension plan?

I'm with midareff. 3% of High-3 is a great deal for you, pretty terrible for taxpayers. But you didn't make the rules, so harvest the benefit before they wise up and change the rules...which they will someday because that pension is unsustainable. :wink:
by TimeRunner
Fri Jun 13, 2014 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy time in my gov't pension plan?
Replies: 24
Views: 2177

Re: The Core Four

Another Core4 follower. Thank you, Rick. :beer <-- We need a wine glass Smilie/emoticon.
by TimeRunner
Wed Jun 11, 2014 11:51 pm
 
Forum: Investing - Theory, News & General
Topic: The Core Four
Replies: 253
Views: 132526

Re: Donor Advised Funds

Anyone transfer stocks to Fidelity or Vanguard notice how much they charge in transaction fees? By transaction or number of shares? On the broker side or the charity side? I'm assuming there charity doesn't charge, but haven't gotten a definitive answer. I'm wondering if making stock donations unde...
by TimeRunner
Wed Jun 11, 2014 10:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Funds
Replies: 62
Views: 2830

Re: POLL: Pay down 3.5% mortgage or invest in taxable?

If you treat your mortgage as a negative bond, do you also treat your SS and possible pension as bonds too? If not, why not?
by TimeRunner
Tue Jun 10, 2014 11:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Pay down 3.5% mortgage or invest in taxable?
Replies: 89
Views: 7681

Re: Vanguard Financial Plan and TSP

If I treat my anticipated FERS pension's present value as a bond, and ignoring SS, that's equal to about 45% of all retirement assets. For that reason alone, all TSP is in C,S, and I funds. The G is a great deal, but not useful to me currently.
by TimeRunner
Tue Jun 10, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Financial Plan and TSP
Replies: 15
Views: 1523

Re: New Lazy Portfolio: "Trinity Portfolio"

I see 9 holdings. How about "Cat of 9 Tails"? 8-)
by TimeRunner
Sun Jun 08, 2014 9:50 am
 
Forum: Investing - Theory, News & General
Topic: New Lazy Portfolio: "Trinity Portfolio"
Replies: 28
Views: 2135

Re: Hiking and Locator Beacon

I carry a Delorme InreachSE when hiking or riding my motorcycle into the backcountry where cell service is non-existent. Wife can track me on a map. Tracking points sent every 10 minutes. Global coverage. Monthly plan cost is around $28, well worth the peace of mind for wife and knowing I can send e...
by TimeRunner
Thu Jun 05, 2014 11:53 am
 
Forum: Personal Consumer Issues
Topic: Hiking and Locator Beacon
Replies: 33
Views: 2162

Re: Government Employment (Employee)Question

Our outfit used to move people like the Army, with lots of upward career moves available. No more. Training, travel, professional conferences, and relocation are almost nothing. Ask around before you leap.
by TimeRunner
Wed Jun 04, 2014 11:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Government Employment (Employee)Question
Replies: 7
Views: 750

Re: Improving the TSP [for current participants]

I support MichDad's first 4 points, and oncorhynchus's suggestion to change the I fund to use the same index as VG's Total International Stock fund (VTAIX). A slight correction as to the index - it has changed a few times over the years and is currently FTSE Global All Cap ex US Index, and that's th...
by TimeRunner
Tue Jun 03, 2014 10:51 am
 
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 29
Views: 3228
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