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by TimeRunner
Thu May 28, 2015 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Opened a Vanguard Account
Replies: 6
Views: 495

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: 19
Views: 933

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: 5968

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: 40
Views: 3818

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: 78
Views: 10396

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: 959

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: 734

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: 1665

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: 40
Views: 3818

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: 3757

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: 3757

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: 5017

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: 5017

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: 5017

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: 2807

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: 2807

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: 611

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: 2276

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: 3949

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: 2165

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: 976

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: 976

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: 976

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...
by TimeRunner
Mon Apr 20, 2015 10:04 am
Forum: Personal Finance (Not Investing)
Topic: HSA Bank transfer to investment account issue?
Replies: 15
Views: 976

Re: HSA Bank transfer to investment account issue?

I'm on the phone (on hold, off hold, on hold) with them right now, for a transfer scheduled for 4/13 that is still showing as "incomplete". Agent says they are having internal technical issues (duh!) and is attempting to complete the transfer manually. So yes, they got problems and you are...
by TimeRunner
Wed Apr 15, 2015 7:55 pm
Forum: Personal Consumer Issues
Topic: Boston Marathon - Hotel Plan?
Replies: 25
Views: 2039

Re: Boston Marathon - Hotel Plan?

I ran it in 2003. Make sure you go to the after-race party, it was great fun!
by TimeRunner
Fri Feb 13, 2015 9:32 pm
Forum: Personal Consumer Issues
Topic: [Is it worth getting an] AARP [membership]?
Replies: 58
Views: 4582

Re: [Is it worth getting an] AARP [membership]?

Coincidently, my 52 YO DW just got her first AARP mailing today, with the masked return address. She was not happy about it. Welcome to the club....
by TimeRunner
Wed Jan 14, 2015 4:42 pm
Forum: Personal Consumer Issues
Topic: Anybody use Google Hangouts on cellphone to make WiFi calls?
Replies: 18
Views: 2412

Re: Anybody use Google Hangouts on cellphone to make WiFi ca

Speaking softly, it would be handy to be able to call back to the US from a foreign Hotel lobby or other available Wi-Fi. That works?
by TimeRunner
Thu Jan 08, 2015 11:08 am
Forum: Investing - Theory, News & General
Topic: A mortgage prepayment puzzler
Replies: 15
Views: 1703

Re: A mortgage prepayment puzzler

I like this free for personal use Excel sheet: http://www.vertex42.com/Calculators/hom ... lator.html

Put your additional payments in the yellow column and you'll see the effects.

Note: Sheet didn't work in Google Docs, I needed MS Excel.
by TimeRunner
Fri Dec 26, 2014 7:23 pm
Forum: Personal Consumer Issues
Topic: Any pilots here? [advice for prospective pilot]
Replies: 60
Views: 6294

Re: Any pilots here?

Not to jump the shark, but PARAGLIDING is pretty damn fun, and you can check your kit as luggage and fly the Alps or S America or wherever...X-C, Aerobatics, or just flying with the locals. Total cost for gear and initial instruction is under $10K. :beer Since the thread seems to be tapering off......
by TimeRunner
Thu Dec 25, 2014 9:40 pm
Forum: Personal Consumer Issues
Topic: Any pilots here? [advice for prospective pilot]
Replies: 60
Views: 6294

Re: Any pilots here?

Not to jump the shark, but PARAGLIDING is pretty damn fun, and you can check your kit as luggage and fly the Alps or S America or wherever...X-C, Aerobatics, or just flying with the locals. Total cost for gear and initial instruction is under $10K. :beer
by TimeRunner
Mon Dec 22, 2014 10:22 pm
Forum: Investing - Theory, News & General
Topic: Vertex42 Excel Stock Quote Template stop working
Replies: 39
Views: 5199

Re: Vertex42 Excel Stock Quote Template stop working

Check out Google spreadsheets (aka Google Sheets), particularly Googlefinance() function. No MS Office required, access from anywhere, anytime, anyplace. Schweet.

https://support.google.com/docs/answer/3093281?hl=en
by TimeRunner
Mon Dec 22, 2014 8:51 pm
Forum: Personal Consumer Issues
Topic: Bogota and the Coast of Columbia travel
Replies: 42
Views: 5968

Re: Bogota and the Coast of Columbia travel

I'm hoping to go in March for a Paragliding skills clinic.

Think about if you were advising someone if it was safe to visit the USA. Would you send them to Compton? Chicago? Jackson Hole? Key West? All very different threat levels.... Hard to sum up a Country in one sentence.
by TimeRunner
Mon Dec 15, 2014 5:56 pm
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 19803

Re: Vanguard offers login security code

Quick Question: Has anyone used this feature with Quicken desktop yet? I am planning to sign-up, but not if my Quicken access will be blocked. Thanks. VG's response to my query was: "The security code enhancement will not have any effect on the ability to continue downloading your transaction ...
by TimeRunner
Fri Dec 12, 2014 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 223
Views: 32187

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

Oh yeah. I forgot to mention something similar. I've had no problems with any of the platforms. But it irritates me that TT doesn't have a Mac version of their Business edition. I have a partition with windows on it so I use that but I don't like it.[/quote] The Mac version is "Turbotax Persona...
by TimeRunner
Mon Dec 08, 2014 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 92
Views: 16000

Re: Vanguard Turbo Tax prices anounced

I bought Turbotax Home & Business Fed + CA State + eFile + Bonus Refund Offer + Quicken 2015 for Mac off Amazon for $118.53 including $8.78 CA state tax. I'm hoping that Quicken 2015 for Mac will allow us to not run a Window VM with Windows Quicken on our Mac laptops anymore. Why be in agony ove...
by TimeRunner
Wed Nov 19, 2014 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Borrowing from TSP for lot purchase
Replies: 34
Views: 3154

Re: Borrowing from TSP for lot purchase

Sometimes emotion rules logic, and no matter how the math shakes out, the heart stands in the way. :wink:
by TimeRunner
Sat Nov 15, 2014 9:58 pm
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 6924

Re: Harry's razors

+1 for Dorco, high quality blades, substantial handles, made in South Korea. See: http://dorcousa.com/ Six blades works pretty well, but it's not a vacuum cleaner, so slow down and drive it where it needs to go. :D Here's a kit with the six blade razor and some extra cartridges: http://www.dorcousa....
by TimeRunner
Sat Nov 08, 2014 10:58 pm
Forum: Personal Consumer Issues
Topic: My DISH tv bill just keeps going up and up
Replies: 50
Views: 5401

Re: My DISH tv bill just keeps going up and up

Use the TV money to get a really nice athletic club membership with some attention from a personal trainer to get you fit and give you life and energy for other pursuits. :beer
by TimeRunner
Tue Nov 04, 2014 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: 2015 Fed HDHP Plans
Replies: 8
Views: 2099

Re: 2015 Fed HDHP Plans

I've had the GEHA HDHP along with an HSABank HSA (and transfers to TDAmeritrade where I hold VG ETFs). I've been happy with it. I will also look around but it's likely I'll stay with GEHA. Once I retire and later am enrolled in Medicare (2019), I may switch to the traditional BCBS or some other plan...
by TimeRunner
Sat Nov 01, 2014 9:09 pm
Forum: Personal Consumer Issues
Topic: MS Windows 7 Dead [in 2020]?
Replies: 26
Views: 2397

Re: MS Windows 7 Dead [in 2020]?

I love forward to retiring from MegaGov on 12/30/2016. That week I will ship my BigGov-admin'd locked-down GPO'd anti-virused DHS-monitored laptop back to the BigOffice for final disposition, and will say goodbye to Windows forever. 8-)
by TimeRunner
Fri Oct 31, 2014 4:05 pm
Forum: Personal Consumer Issues
Topic: OpenOffice GetQuote extension is gone. Alternatives?
Replies: 11
Views: 1713

Re: OpenOffice GetQuote extension is gone. Alternatives?

Sidney wrote:Google Docs has similar functionality, I think.


It does. Look under Type=Financial in this support document: https://support.google.com/docs/table/25273?hl=en

@Googlefinance function.
by TimeRunner
Sun Oct 26, 2014 7:40 pm
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 8339

Re: Done with Honda, not sure what next car should be?

If you ride a motorcycle, you are your own air bag. :wink: As a result, you have a heightened awareness of traffic around you, and you learn to position yourself to be out of harm's way as much as possible. You get very good at quickly reading and judging other driver's abilities and consciousness. ...
by TimeRunner
Fri Oct 24, 2014 6:28 pm
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 46
Views: 6012

Re: LASTPASS Password Program

Lastpass is great. It's amazing what you can learn when, instead of bloviating, you read the manual: https://helpdesk.lastpass.com/getting-started/introduction/why-is-lastpass-safe/ Are we to believe that none of the systems that were breached took these measures? BTW - what is the company's own we...
by TimeRunner
Fri Oct 24, 2014 5:02 pm
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 46
Views: 6012

Re: LASTPASS Password Program

Lastpass is great.

It's amazing what you can learn when, instead of bloviating, you read the manual: https://helpdesk.lastpass.com/getting-s ... pass-safe/
by TimeRunner
Thu Oct 23, 2014 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Contribution
Replies: 7
Views: 867

Re: TSP Contribution

I am a believer who does tithe. Because of that I cannot max out my retirement accounts. Currently I'm maxing out one ROTH IRA and putting 20% of my salary into my TSP account. With the limit raised this year I would like to consider stopping the ROTH contribution and adding the money to the TSP ac...

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