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Re: Question for Mac Excel 2011 users

You should also look at using Google Sheets, which can do stuff like B2=googlefinance("VTIAX") to get the current share price of Vanguard Total International Stock Index Fund Admiral Shares (mutual fund). I have Mac Office 2011 but have been able to move most stuff to the Google cloud whic...
by TimeRunner
Thu Aug 28, 2014 7:05 pm
 
Forum: Personal Consumer Issues
Topic: Question for Mac Excel 2011 users
Replies: 5
Views: 337

Re: California residents - do you have earthquake insurance?

CEA coverage: $812/year for $249K dwelling, $50K personal property, $25K loss of use, $20K building code upgrades with deductible of $24.9K. (The main value is the land location.) Two minute jog to the beach, 30 ft above sea level. Earthquake terror comes with the terroir.
by TimeRunner
Thu Aug 28, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: California residents - do you have earthquake insurance?
Replies: 49
Views: 2397

Re: California residents - do you have earthquake insurance?

Yes.

See: http://www.earthquakeauthority.com/Ceap ... id=2&pid=2

You can estimate your own policy costs on this site as well.
by TimeRunner
Tue Aug 26, 2014 5:42 pm
 
Forum: Personal Consumer Issues
Topic: California residents - do you have earthquake insurance?
Replies: 49
Views: 2397

Re: Which home ?

I'd take the first one because: 1. Single family detached. You will have more control over the space, the landscape, remodeling, etc. 2. No HOA. You can bank the $ for your own landscape, roof repairs, etc. 3. Closer to both your work. Within easy biking or e-biking distance, for example. YMMV of co...
by TimeRunner
Sat Aug 23, 2014 10:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which home ?
Replies: 11
Views: 810

Re: I failed SS login

SSA says they use Experian, per: https://secure.ssa.gov/RIR/CatsView.do "We use the information you give us to verify your identity. We verify the information you give us against our records. We also use Experian, an external authentication service provider, to help us verify your identity. Exp...
by TimeRunner
Thu Aug 21, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: I failed SS login
Replies: 18
Views: 1762

Re: FERS retirement: Final taxes and TSP

I could retire today but I'm hanging on for that 10% FERS bump, which is actually quite a bit of $ in my world. The closer you are to 62, the less it makes sense to leave until you hit 62. I assume you are a quite a ways away from that date, hopefully. Congrats!
by TimeRunner
Mon Aug 18, 2014 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: FERS retirement: Final taxes and TSP
Replies: 38
Views: 2427

Re: Mulch, Rubber Mulch, or Rocks in Landscaping?

To the guy who mentioned the possible toxicity of rubber mulch, I wonder if he stays away from vehicles that have tires on them, or high school track surfaces which are often made from shredded tires. Very different use cases. I would not do this on my own property by choice. See also: http://www.e...
by TimeRunner
Fri Aug 08, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Mulch, Rubber Mulch, or Rocks in Landscaping?
Replies: 36
Views: 1653

Re: Mulch, Rubber Mulch, or Rocks in Landscaping?

Say no to rubber mulch. No reason to risk turning your landscape into a toxic waste site.... One of many google results: http://www.ehhi.org/reports/turf/health_effects.shtml "SUMMARY OF TOXIC ACTIONS In summary, the toxic actions of concern from the materials that were released from recycled c...
by TimeRunner
Fri Aug 08, 2014 11:46 am
 
Forum: Personal Consumer Issues
Topic: Mulch, Rubber Mulch, or Rocks in Landscaping?
Replies: 36
Views: 1653

Re: Your Favorite charity organization...? please

I like local small charities... the local Boys and Girls club, the local Library, the local community swimming pool, the local raptor rehab center...where you know your gift will make a difference in the place you've chosen to live. your last days.
by TimeRunner
Fri Aug 08, 2014 11:06 am
 
Forum: Personal Consumer Issues
Topic: Your Favorite charity organization...? please
Replies: 91
Views: 4181

Re: Affording a 1.3 million home?

I'd try to get a job somewhere along the coast in San Luis Obispo or Santa Barbara counties, and leave the Bay Area behind. I speak from experience. 8-)
by TimeRunner
Thu Aug 07, 2014 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 105
Views: 11038

Re: Considering buying a Prius or a Volt

Since you are in California, this article from today's LA Times is timely too. Headline: Bill would cap income eligibility for state's clean-vehicle rebates"

http://www.latimes.com/business/autos/l ... story.html
by TimeRunner
Thu Aug 07, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Considering buying a Plug-in Prius or a Volt
Replies: 40
Views: 2572

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

Da, baby.

Use Lastpass or Dashlane or something similar.
by TimeRunner
Tue Aug 05, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7437

Re: How do you document your HSA "stuff?"

I just went into my hospital and set an appointment to photocopy a couple years of records, did so, and keep them in a folder. It has all the money I spent during those years on one easy piece of paper. The other thing to remember is that you can withdraw the money penalty free after the age of 65 ...
by TimeRunner
Mon Aug 04, 2014 7:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you document your HSA "stuff?"
Replies: 38
Views: 2176

Re: Drought Management

The U.S. Drought Monitor is produced in partnership between the National Drought Mitigation Center at the University of Nebraska-Lincoln, the United States Department of Agriculture, and the National Oceanic and Atmospheric Administration. Drought maps and narrative are updated every Thursday mornin...
by TimeRunner
Mon Aug 04, 2014 5:59 pm
 
Forum: Personal Consumer Issues
Topic: Drought Management
Replies: 60
Views: 3032

Re: What is your most memorable 1 week vacation?

I think you win. Sounds like the sort experience that seeps into you and never dulls. No winning this thread. So many vacations are great. You're right though, life's awesome moments do stay with you and bring a smile when you think about them. It's important to remember them during the non-awesome...
by TimeRunner
Mon Aug 04, 2014 12:27 pm
 
Forum: Personal Consumer Issues
Topic: What is your most memorable 1 week vacation?
Replies: 91
Views: 7606

Re: What is your most memorable 1 week vacation?

Early 80's. I was working a 10-day tour as the sole inhabitant island relief ranger on Santa Barbara Island, located about 45 miles off the coast of Los Angeles. It's a lonely, windswept dot in the Pacific, just one square mile around - the southernmost island in Channel Islands National Park. Becau...
by TimeRunner
Mon Aug 04, 2014 10:21 am
 
Forum: Personal Consumer Issues
Topic: What is your most memorable 1 week vacation?
Replies: 91
Views: 7606

Re: Landscape Mulch/Bark "Glue"?

My guess is something like: https://www.dirtglue.com/dirtglue-polymer/

Also seen used on gravel roads to stabilize when slope > 4 degrees to keep it all from getting kicked down to the bottom of the hill.
by TimeRunner
Sun Aug 03, 2014 10:03 pm
 
Forum: Personal Consumer Issues
Topic: Landscape Mulch/Bark "Glue"?
Replies: 5
Views: 664

Re: Drought Management

Laundry to Landscape Greywater system info: http://oasisdesign.net/greywater/laundry/
by TimeRunner
Sat Aug 02, 2014 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Drought Management
Replies: 60
Views: 3032

Re: W/ AA - consider all accounts as one, including spouse?

Another factor would be the age difference between you and your spouse, which affects retirement dates, SS, etc. Since she has a TSP, she's likely got a federal pension too - bond-like (james bond-like).
by TimeRunner
Sat Aug 02, 2014 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: W/ AA - consider all accounts as one, including spouse?
Replies: 23
Views: 1086

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 sugar. :P
by TimeRunner
Fri Aug 01, 2014 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Clean investing in a single stock
Replies: 28
Views: 2701

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: 6032

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: 4474

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: 2796

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: 94
Views: 5728

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: 684

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: 3424

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: 187
Views: 21068

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: 187
Views: 21068

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: 5693

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: 6401

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: 5693

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: 2782

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: 3749

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: 85
Views: 5083

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: 3749

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: 14051

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: 30
Views: 2202

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: 9803

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: 7307

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: 25
Views: 2124

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: 4961

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: 79
Views: 6627

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: 3252

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: 1439

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: 1439

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: 5199

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: 2744

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: 2865

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: 2865
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