Search found 364 matches

Return to advanced search

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: 2194

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: 11
Views: 1147

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: 3839

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: 3008

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: 1413

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: 51
Views: 4552

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: 1383

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: 5383

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: 5603

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: 316

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: 2215

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: 1492

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: 13
Views: 1819

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: 2215

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: 17351

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: 13
Views: 992

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: 3193

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: 3193

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: 819

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: 1801

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: 2509

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: 1685

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: 1685

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: 4290

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: 11241

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: 2602

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: 7675

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: 2216

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: 3143

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: 7915

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: 7915

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: 671

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: 3143

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: 1096

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: 3072

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: 6115

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: 4526

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: 3158

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: 5841

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: 703

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: 3484

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: 21484

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: 21484

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: 5739

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: 6465

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: 5739

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: 2808

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: 3789

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: 5194
Next

Return to advanced search