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Re: Local college invests 56% of assets in "alternatives"

I knew the CFO of a Botanic Garden (non-profit), and she and the Director were taken to some very nice lunches over which the $20M+ endowment quarterly reports were reviewed. So yes, that does happen.
by TimeRunner
Mon Oct 20, 2014 9:12 pm
 
Forum: Investing - Theory, News & General
Topic: Local college invests 56% of assets in "alternatives"
Replies: 25
Views: 2230

Re: Upgraded to OS X 10.10 Yosemite

Why is it better? To quote Wikipedia, "Beta testing: Apple has initiated a new public beta program for OS X, a practice not seen with its operating systems since 2000's US$29.95 Mac OS X Public Beta which had preceded the release of Mac OS X v10.0. Yosemite is part of the OS X Beta Seed Progra...
by TimeRunner
Mon Oct 20, 2014 9:09 pm
 
Forum: Personal Consumer Issues
Topic: Upgraded to OS X 10.10 Yosemite
Replies: 33
Views: 3335

Re: Is it possible to have a favorite movie

Ferris Bueller !

Always makes me want to Twist And Shout: http://youtu.be/RaIjYvIayj0
by TimeRunner
Sun Oct 19, 2014 10:49 pm
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 81
Views: 2875

Re: Best town I've never heard of [for relocating]

OK, here's one for ya, "Wasco, CA". http://en.wikipedia.org/wiki/Wasco,_California Lots of roses, so you can sniff the flowers in the hopes of overcoming the fumes from all the oil extraction and processing. You'll be able to see if the air quality is good - just look out your window. Gas...
by TimeRunner
Sun Oct 19, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 9570

Re: Upgraded to OS X 10.10 Yosemite

Upgraded a mid-2009 MBP to Yosemite. Absolutely no issues noted. Kudos to Apple for making sure Yosemite runs on these near end-of-life machines.
by TimeRunner
Sat Oct 18, 2014 11:56 am
 
Forum: Personal Consumer Issues
Topic: Upgraded to OS X 10.10 Yosemite
Replies: 33
Views: 3335

Re: Best town I've never heard of [for relocating]

OK, here's one for ya, "Wasco, CA". http://en.wikipedia.org/wiki/Wasco,_California Lots of roses, so you can sniff the flowers in the hopes of overcoming the fumes from all the oil extraction and processing. You'll be able to see if the air quality is good - just look out your window. Gaso...
by TimeRunner
Fri Oct 17, 2014 10:58 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 9570

Re: Best town I've never heard of [for relocating]

It's the high cost areas that always attract me. I like the root causes of the high cost...like beautiful beaches, fine schools, skiing out your door, historic old town districts, estate living, outdoor recreation.... Dang, there seems to be a relationship between high cost and all that other good s...
by TimeRunner
Sun Oct 12, 2014 10:59 am
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 9570

Re: Recommend a NAS HD

We're mostly an Apple products household. My current NAS is an older Netgear. I would not buy another one from them. I'm leaning towards using a Mac Mini with two disks in lieu of a NAS, because that makes it super-simple to have that machine run iTunes and share the library, rather than have each c...
by TimeRunner
Sat Oct 11, 2014 10:44 am
 
Forum: Personal Consumer Issues
Topic: Recommend a NAS HD
Replies: 17
Views: 789

Re: What have you done to cut costs this year?

1. Appealed Property Tax, saved over $1K. 2. Dropped DishNetwork for Roku and Apple TV (each has some strengths). 3. Use bicycle for grocery shopping (5 blocks away), and all in-town errands (Dr, Lab, Pharmacy, Library, City Pool, Beach, Restaurants, Microbrewery, and Bike Shop of course). Buy gas f...
by TimeRunner
Thu Oct 09, 2014 9:17 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 105
Views: 8045

Re: I picked up a penny today...

I stop to pick up coins (and paper money of course) because it's another excuse to work the abs, LOL.
by TimeRunner
Tue Sep 30, 2014 7:58 pm
 
Forum: Personal Consumer Issues
Topic: I picked up a penny today...
Replies: 20
Views: 1955

Re: Password Manager [Last Pass]--stolen

Glad you are back and all is well. Kick back and relax! :beer
by TimeRunner
Tue Sep 30, 2014 7:55 pm
 
Forum: Personal Consumer Issues
Topic: Password Manager [Last Pass]--stolen
Replies: 15
Views: 2655

Re: Password Manager [Last Pass]--stolen

TO prevent the wipe: https://discussions.apple.com/thread/4076422?start=15&tstart=0 "I did almost nothing to prevent iCloud from wiping my device, after having programmed it to do so. After turning on the iPhone, I just used AirPlane mode, removed the phone from my devices in iCloud, made ...
by TimeRunner
Mon Sep 29, 2014 7:54 pm
 
Forum: Personal Consumer Issues
Topic: Password Manager [Last Pass]--stolen
Replies: 15
Views: 2655

Re: Supporting the Operating Costs of the Forum

Establish a DAF, fund it with some shares of an investment for which you want to avoid paying cap gains tax, and use it to donate to the John C Bogle Center for Financial Literacy. See: http://www.bogleheads.org/wiki/The_Bogleheads%C2%AE#The_John_C._Bogle_Center_for_Financial_Literacy The Center cou...
by TimeRunner
Sat Sep 27, 2014 12:31 pm
 
Forum: Forum Issues and Administration
Topic: Supporting the Operating Costs of the Forum
Replies: 9
Views: 1109

Re: Online privacy and smartphones

Follow the Principle of Least Privilege: http://en.wikipedia.org/wiki/Principle_ ... _privilege

Don't give apps any more access than they need, and if they still want more than that, live with it or delete it. (I'm in the deletion camp.)
by TimeRunner
Thu Sep 25, 2014 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Online privacy and smartphones
Replies: 20
Views: 1351

Re: Vanguard Recommending Quicken Changes

I've also tried various suggestions of others listed in this thread up to this point. Extremely frustrating. Another option is to purchase Quicken 2015, assuming would be staying with Quicken anyways. That may be the fastest solution, and you can download 2015 right from Amazon after payment. Quick...
by TimeRunner
Tue Sep 23, 2014 10:45 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Recommending Quicken Changes
Replies: 62
Views: 5964

Re: When to throw out childhood toys? Encourage me please.

I had a set of real wood blocks that reminded me of my early childhood architect days. A younger friend of mine became a foster Mom and quickly adopted two small kids. I gave the set to her with a short story of how much they meant to me and how I hoped her kids would find joy in that same play (and...
by TimeRunner
Sun Sep 21, 2014 10:16 am
 
Forum: Personal Consumer Issues
Topic: When to throw out childhood toys? Encourage me please.
Replies: 34
Views: 2426

Re: House broken into--please help

For those reading here, encrypt your hard disk. Macs...use a password and make sure encryption is on. Windows...use a password and use Bitlocker or, for older machines that don't support it, Truecrypt or something else that will do the job. Google search is your friend if this doesn't make sense to ...
by TimeRunner
Fri Sep 19, 2014 10:31 pm
 
Forum: Personal Consumer Issues
Topic: House broken into--please help
Replies: 16
Views: 2377

Re: LASTPASS Password Program

LastPass is great, and even better on iOS8 now. On your PC, you can click on the LastPass icon in your browser, and select Tools, Security Check. LP will evaluate your password vault and show you weak and duplicate passwords, along with a score. It's a good way to double-check your portfolio of user...
by TimeRunner
Thu Sep 18, 2014 12:02 pm
 
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 16
Views: 1918

Re: Meetings over the lunch hour, taboo?

I had a teleconf meeting last week, and one of the attendees was breathing very heavily the few times he talked. Finally he mentioned that and said that he (breath) was (breath) on a treadmill (breath), working out! :twisted:
by TimeRunner
Wed Sep 17, 2014 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Meetings over the lunch hour, taboo?
Replies: 46
Views: 3965

Re: Macbook Air; how much RAM?

Not to pile on here, but this thread brings up a really big issue I'm having. I bought a MacBook Air six months ago, and already its 4 GB brings up the wheel of death every time I try to use a Microsoft Word doc with Chrome and another doc open. It was my first Apple, and it's really disappointing ...
by TimeRunner
Tue Sep 16, 2014 10:24 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3211

Re: What should be Shredded

Get a monster shredder. You'll spend less time sorting if you just shred everything. Time is money.
by TimeRunner
Fri Sep 12, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: What should be Shredded
Replies: 18
Views: 1469

Re: Vanguard Recommending Quicken Changes

It didn't work for me first thing this morning (West Coast TZ), but when I tried at noon, it worked even better than expected. The one account I had disconnected from updates, erased the zz-Vanguard, specified as Vanguard, and then attempted to update was properly linked. All the other VG accounts, ...
by TimeRunner
Thu Sep 11, 2014 5:21 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Recommending Quicken Changes
Replies: 62
Views: 5964

Re: The Bogleheads Blog has Moved

The Core Four (Core 4) blog posting was excellent and led me to the Wiki page about it.
by TimeRunner
Tue Sep 09, 2014 7:12 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: The Bogleheads Blog has Moved
Replies: 7
Views: 1468

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

Those are the two VG Lake Wobegone funds, where the performance is always above average, and the managers always pick the right assets, buy them at the low, and sell them at the high, and do so while living on popcorn and water. If you are Wobegoning , go for it, but passive usually beats active in ...
by TimeRunner
Sun Sep 07, 2014 9:20 am
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5464

Re: america the beautiful national parks and lands pass

I encountered the "show your receipt as you leave" approach at several locations this last year while I was on the road. In fact, it was interesting how many different procedures I experienced. And they all seemed to work for that specific location. Just to add, one size need not fit all....
by TimeRunner
Fri Sep 05, 2014 11:59 am
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 66
Views: 5859

Re: help interpreting TSP monthly annuity

To cut to the chase, go here, enter your info, and see the results: https://www.tsp.gov/planningtools/retir ... ator.shtml

Ignore what you're looking at.
by TimeRunner
Sat Aug 30, 2014 9:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: help interpreting TSP monthly annuity
Replies: 2
Views: 323

Re: How low can Vanguard Fees Go?

You can compare Vanguard to the US Thrift Savings Plan. "In 2012, the TSP expenses charged to participants were $0.27 per $1,000 invested. The industry average was $8.30 per $1,000. A few differences that make a difference: 4.5 million participants. Three years to vest - leave before then and ...
by TimeRunner
Sat Aug 30, 2014 10:16 am
 
Forum: Investing - Theory, News & General
Topic: How low can Vanguard Fees Go?
Replies: 32
Views: 2276

Re: High net worth in CA - what % of bonds in munis?

I lean the other way. I'd be comfortable with up to $1M in VCADX. I trust VG to pick quality bonds, and the entire state is not about to go down the toilet right away. (For one thing, there's a drought this year and probably next.) I'd reconfirm my decision every year. Have you considered the NV sid...
by TimeRunner
Fri Aug 29, 2014 8:30 pm
 
Forum: Investing - Theory, News & General
Topic: High net worth in CA - what % of bonds in munis?
Replies: 21
Views: 1508

Re: What happened to SoCal Chapter?

We are spread out. Driving time from here to Irvine, for example, is over 3-1/2 hours...with normal traffic. :oops:
by TimeRunner
Fri Aug 29, 2014 6:56 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: What happened to SoCal Chapter?
Replies: 15
Views: 2123

Re: How low can Vanguard Fees Go?

You can compare Vanguard to the US Thrift Savings Plan. "In 2012, the TSP expenses charged to participants were $0.27 per $1,000 invested. The industry average was $8.30 per $1,000. (Deloitte, “Inside the Structure of Defined Contribution/401(k) Plan Fees,” 2011.)" -TSP website. A few diff...
by TimeRunner
Fri Aug 29, 2014 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: How low can Vanguard Fees Go?
Replies: 32
Views: 2276

Re: My husband's " WILL", $ left for me to live on....

"When Steven Spielberg and actress Amy Irving divorced after four years, she argued that their prenup, which was written on the back of a napkin, was not enforceable because she was not represented by an attorney. The judge agreed and she received a $100 million settlement. When Spielberg marri...
by TimeRunner
Fri Aug 29, 2014 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17852

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: 14
Views: 1130

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: 54
Views: 3264

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: 54
Views: 3264

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: 825

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: 1842

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: 2567

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: 1816

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: 1816

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: 4597

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: 11563

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: 2742

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: 7975

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: 2250

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: 3202

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: 8139

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: 8139

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: 683

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: 3202
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