Search found 264 matches

Return to advanced search

Re: Vanguard IRA Insights

Would have been interesting to know the median Roth IRA account balances at various ages...45,55,65 for example. The hypothetical example of a Roth IRA balance of $438K at age 65 seems high. Of course if you can stuff into it low-basis low-value stocks in various companies that your venture capital ...
by TimeRunner
Fri Apr 18, 2014 10:16 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard IRA Insights
Replies: 7
Views: 770

Re: Asset allocation over time

I like Bonds = 'your age times (your age/100)'. 40 year old = 16%, 50 year old = 25%, 60 year old = 36%, 70 year old = 49%, 80 y.o. = 64%. I read it on the Internets. :P Edit: Note I am a fed employee who plans to collect SS at age 70 and will have a FERS 1.1% of high-3 pension upon retirement, ther...
by TimeRunner
Thu Apr 17, 2014 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: Asset allocation over time
Replies: 23
Views: 1155

Re: How high of an allocation to REITs?

This Bogleheads Blog post on Rick Ferri Core4 portfolios is also helpful: http://www.bogleheads.org/blog/core-four-portfolios/
by TimeRunner
Thu Apr 17, 2014 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: How high of an allocation to REITs?
Replies: 21
Views: 2002

Re: Shuttle from Tampa airport to St Pete Beach?

Whoo-hoo! Spring Break! Girls Gone Wild! Go Victoria!!! :beer
by TimeRunner
Wed Apr 16, 2014 10:08 pm
 
Forum: Personal Consumer Issues
Topic: Shuttle from Tampa airport to St Pete Beach?
Replies: 16
Views: 857

Re: Federal Employment Question

I'm in a similar situation to MichDad, only I switched from CSRS to FERS during the famous 1987 "opportunity". (I was the first employee in my region to make the switch, and HR asked me repeatedly "Are you sure?") Since I also invested the max allowed into the TSP since then, and...
by TimeRunner
Wed Apr 16, 2014 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Employment Question
Replies: 20
Views: 1322

Re: Federal Employment Question

Agree with the above and not much to add. There's no travel, no professional conferences or networking opportunities, all training is webinar or on-line courses (Skillsoft, etc), meetings are done by phone 98% of the time. It is clearly not sustainable but I'll stop there. In my agency, the best way...
by TimeRunner
Wed Apr 16, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Employment Question
Replies: 20
Views: 1322

Re: Looking at top 1% for actionable insight

Luck has some to do with it, but yeah...working hard never hurt.

I remember the episode of the Sopranos where Tony is reading the Robb Report magazine (luxury lifestyle mag along the lines of Architectural Digest). He worked pretty hard too. :D
by TimeRunner
Tue Apr 15, 2014 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking at top 1% for actionable insight
Replies: 66
Views: 6332

Re: SSA says Grandmother owes 88K!

Almost as silly as: "My Mom forgot to turn in a library book of bedtime stories she used to read out loud to me. Now the library system wants me to pay for the book, with interest, since I benefitted from the stories, and I'm the oldest of her children."
by TimeRunner
Mon Apr 14, 2014 7:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: SSA says Grandmother owes 88K!
Replies: 26
Views: 3841

Re: I saw a "Boglehead" on my flight yesterday!

I also lucked into a Vanguard coffee mug last year. I don't drink coffee from it that often, but when I do I feel...wealthy and blessed. :D
by TimeRunner
Mon Apr 14, 2014 4:04 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 65
Views: 7515

Re: Looking at top 1% for actionable insight

Much of this was discussed in The Millionaire Next Door: The Surprising Secrets of America's Wealthy (ISBN 0-671-01520-6), a 1996 book by Thomas J. Stanley and William D. Danko. It's an oldie but a goodie. The local library has a few copies in the system.
by TimeRunner
Mon Apr 14, 2014 1:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking at top 1% for actionable insight
Replies: 66
Views: 6332

Re: California Taxes - Am I Missing Something?

Up this morning, weather predicted to be high fog along the coast all day...May grey a little early. Loaded up the Element with road bikes and three of us headed out. Along the coast the waves were calm, past Brad and Jen's old beach house, past the llamas grazing happily on the green grassy hillsid...
by TimeRunner
Sat Apr 12, 2014 10:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 7969

Re: KeePass vs LastPass

I love lastpass. I think the convenience of the browser plug in outweighs my fear of the cloud storage. I now never reuse passwords and don't even have to think about it. I use 2-factor authentication with it was well . On top of that they have been keeping me up to date on what passwords I should ...
by TimeRunner
Sat Apr 12, 2014 9:27 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 101
Views: 5342

Re: KeePass vs LastPass

This thread has really thrashed around. I don't think it really matters which one you use, the fact that you ARE using either KeePass or LastPass puts you way ahead of many folks who don't use a password manager at all.

Now stop worrying and enjoy your weekend! :beer
by TimeRunner
Fri Apr 11, 2014 10:15 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 101
Views: 5342

Re: California Taxes - Am I Missing Something?

They are also increasingly gearing up to detect changes automatically from the sky, but...shhh...they don't talk about it much. "County governments create, maintain, and defend annual assessment rolls including maintaining parcel boundary maps and updating building description lists. The period...
by TimeRunner
Fri Apr 11, 2014 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 7969

Re: KeePass vs LastPass

K, you might make sure the URL for the first screen doesn't have a bunch of junk in it. Just something like: https://personal.vanguard.com/us/hnwnesc/PMLogin?

We have a couple of logins so I don't have it set to auto-fill or auto-login.
by TimeRunner
Fri Apr 11, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 101
Views: 5342

Re: KeePass vs LastPass

Kevin M wrote:What do you LastPass users do for two-screen logins, specifically Vanguard? -Kevin

See: https://lastpass.com/support_screencast ... mwebsite=1
(Webcast near the bottom called "Save All Entered Data".) This method worked for me on VG site.
by TimeRunner
Fri Apr 11, 2014 2:01 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 101
Views: 5342

Re: Preventing Office Theft of Food and Other Stuff

Today, I committed theft from a community refrigerator at a company I consult with. I did not have time for lunch. I had run this AM and not eaten anything. At 2 PM I was feeling weak as in I better eat something. In the community freezer part of the refrigerator, I saw my favorite break: Ezekiel b...
by TimeRunner
Thu Apr 10, 2014 11:29 pm
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 5050

Re: heartbleed - widespread internet security problem

madbrain wrote:Sorry, I didn't realize that.

My statement still applies to any other unpatched servers that may be out there.


Good advice! It's gonna be awhile before all the smaller businesses and organizations (think NGOs, non-profits, etc) work through this. :!:
by TimeRunner
Thu Apr 10, 2014 9:23 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16042

Re: heartbleed - widespread internet security problem

Why not take advantage of the enhanced login options that USAA has been providing for quite awhile - cybercode tokens and cybercode texts? I use the token system (similar to Google Authenticator and provided by Symantec), and it works fine. The texts would work well too. See: https://www.usaa.com/i...
by TimeRunner
Thu Apr 10, 2014 9:16 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16042

Re: Book Recommendation: Security Analysis -- Is it Worth It

My mind jumped right to IT security - the topic de jour. :oops:
by TimeRunner
Thu Apr 10, 2014 9:13 pm
 
Forum: Investing - Theory, News & General
Topic: Book Recommendation: Security Analysis -- Is it Worth It?
Replies: 5
Views: 328

Re: heartbleed - widespread internet security problem

It appears that USAA has implemented a patch. I guess that means that one should change that PW and all related security codes (secret questions, online PIN). https://communities.usaa.com/t5/USAA-News/USAA-Takes-Measures-Against-Heartbleed-Bug/ba-p/25876?sf24845029=1 04-09-2014 01:15 PM heart-bleed...
by TimeRunner
Thu Apr 10, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16042

Re: Server Admins - how to check for OpenSSL?

sunnyday wrote:^ it's my understanding that the scans aren't 100% accurate. Either way, I'm just curious how to check if my server uses OpenSSL. Seems like it would be very simple, yet the answer is hard to find.


http://curah.microsoft.com/64131/heartb ... tsservices
by TimeRunner
Thu Apr 10, 2014 7:40 pm
 
Forum: Personal Consumer Issues
Topic: Server Admins - how to check for OpenSSL?
Replies: 5
Views: 334

Re: KeePass vs LastPass

SnapShots wrote:How secure is DropBox? Or, Google Drive for that matter? And, I wonder about FREE software? How does LastPass make $$$ to stay in business, keep their product update and safe?

https://lastpass.com/features_premium.php
by TimeRunner
Thu Apr 10, 2014 4:05 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 101
Views: 5342

Re: KeePass vs LastPass

This could mean that you install KeePass on a new computer you want to use (your mother's) or that you install an executable on a USB stick. KeePass has a "mini" version for just that purpose. That's useful information as we aren't allowed to install programs on the computers at work so a...
by TimeRunner
Thu Apr 10, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 101
Views: 5342

Re: KeePass vs LastPass

I was an early Dashlane adoptee based on a NYTimes D Pogue ravingly-positive review, but switched back to Lastpass after three months. Lastpass was just more reliable about identifying the username, password, and sometimes additional fields needed to log on. It was difficult on a bunch of commonly u...
by TimeRunner
Thu Apr 10, 2014 9:10 am
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 101
Views: 5342

Re: Google Stock Dividend

I should mention my GOOG and GOOGL shares are with Vanguard brokerage in a normal investment account.
by TimeRunner
Thu Apr 10, 2014 9:04 am
 
Forum: Investing - Theory, News & General
Topic: Google Stock Dividend
Replies: 42
Views: 2767

Re: Google Stock Dividend

Just following up, bumping the thread, and wondering if there's other GOOG stock holders in Bogleland who are seeing all their cost basis put on GOOGL, and GOOG showing a cost basis of zero. So, another alternative is to donate some GOOG shares to a DAF rather than sell them and pay tax on the full ...
by TimeRunner
Thu Apr 10, 2014 12:18 am
 
Forum: Investing - Theory, News & General
Topic: Google Stock Dividend
Replies: 42
Views: 2767

Re: Carbonite vs Backblaze - an ongoing comp

By the way, ALL files stored on Carbonite, as we've already conveniently "tested", were easily downloaded (not "restored") when traveling or when using DH's laptop. Easy. That wouldn't work with local backups. (We have those, too, but didn't keep them fully up to date, and on mo...
by TimeRunner
Wed Apr 09, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: Carbonite vs Backblaze - an ongoing comp
Replies: 25
Views: 1082

Re: heartbleed - widespread internet security problem

Lastpass has created a Heartbleed checker, so you can check the websites you commonly do business with. https://lastpass.com/heartbleed/

I like Lastpass for password management a lot. 8-)
by TimeRunner
Tue Apr 08, 2014 7:18 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16042

Re: Carbonite vs Backblaze - an ongoing comp

Thanks for sharing your experiences. I have looked into these cloud backup services but my $30/month CenturyLink DSL has only 0.875mbps of upload bandwidth. So it would take way too long to seed the backup. Look a little deeper. Some of them will ship you a USB hard drive, free or low cost, to do y...
by TimeRunner
Tue Apr 08, 2014 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Carbonite vs Backblaze - an ongoing comp
Replies: 25
Views: 1082

Re: California Taxes - Am I Missing Something?

What nobody tells you about living near the beach, not even at the beach, is that you won't see the sun before 11am for two months in May and June. No thank you. It's obvious that you're not a runner. When it's foggy here (May Gray, June Gloom), all one needs to do is head inland a few miles to fin...
by TimeRunner
Tue Apr 08, 2014 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 7969

Re: Carbonite vs Backblaze - an ongoing comp

I use iDrive (http://www.idrive.com ) which sounds similar to Carbonite. I remember choosing iDrive a few years ago because there was no restriction on backing up content from network-attached drives. Many cloud backup solutions restrict you to backing up content that is directly attached to the PC ...
by TimeRunner
Tue Apr 08, 2014 2:10 pm
 
Forum: Personal Consumer Issues
Topic: Carbonite vs Backblaze - an ongoing comp
Replies: 25
Views: 1082

Re: California Taxes - Am I Missing Something?

The Calif doc who did my ACL surgery a couple of years ago is doing very nicely. Lives in the nicest part of one of the nicest residential areas in the world. Owns his own two-story custom built building with Ortho exam/office area and his own affiliated patient billing company downstairs and his ow...
by TimeRunner
Tue Apr 08, 2014 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 7969

Re: Retired: When to move?

I wouldn't mind ending up where Julia Childs finished out her life, Casa Dorinda in Montecito, CA. Lovely place. You can get on the waiting list for maybe $20K now, then give them $700K or so (or more) for a lovely apartment to use for the remainder of your days, then it goes back in the pool for th...
by TimeRunner
Mon Apr 07, 2014 11:19 pm
 
Forum: Personal Consumer Issues
Topic: Retired: When to move?
Replies: 43
Views: 3979

Re: Anyone else very reluctant to buy right now?

When you feel nervous about investing in the market, just put the $500 or whatever it is you were thinking about investing towards paying off your mortgage.
by TimeRunner
Mon Apr 07, 2014 10:08 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 11717

Re: California Taxes - Am I Missing Something?

Taxes here in Missouri are only 6%. Nevertheless, I still want to move to Southern California. For Bogleheads living in California, do you think it would be a mistake to consider Riverside County for the sake of lower housing prices. Also the desert towns like Palm Desert have more affordable housi...
by TimeRunner
Mon Apr 07, 2014 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 7969

Re: California Taxes - Am I Missing Something?

Sales tax in my county is 8%. Each county can slightly vary. Sales taxes apply to goods, not services, and offhand, food and medicine and take-out food is exempt, but sit-down food is taxed. (Hence, the oft-asked question, here or to go?) Gasoline and diesel are more expensive because they have high...
by TimeRunner
Mon Apr 07, 2014 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 7969

Re: TSP Expense Ratios updated for 2014 (CY 2013)

29 cents per $1,000 investment. Not bad, not bad at all. 8-)
by TimeRunner
Sun Apr 06, 2014 10:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP Expense Ratios updated for 2014 (CY 2013)
Replies: 3
Views: 308

Re: I accidentally discovered a coworkers salary... now what

It's her folder - let her mismanage it herself.
by TimeRunner
Fri Apr 04, 2014 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: I accidentally discovered a coworkers salary... now what?
Replies: 59
Views: 5444

Re: Buying for someone who "has everything"

Artisanal chocolates, locally sourced. Doesn't matter if they are an Ironman athlete - one after dinner every night for a couple of weeks is still to die for.
by TimeRunner
Fri Apr 04, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: Buying for someone who "has everything"
Replies: 43
Views: 2292

Re: Google Stock Dividend

I'm seeing the same thing. The Class A shares have all of the original cost basis in them, and the Class C shares have a cost basis of zero. Selling the Class A shares returns all of my original investment plus the gain to half the value of Class A + Class C. Selling the Class C shares gives me pure...
by TimeRunner
Fri Apr 04, 2014 6:16 pm
 
Forum: Investing - Theory, News & General
Topic: Google Stock Dividend
Replies: 42
Views: 2767

Re: Best TV Shows and YouTube channels related to money?

I will admit I like The Profit too. The Profit has been fun to watch if you haven't seen it. He says "business success is about people, process, and product," and picking a business, walking in, analyzing what's broken, and trying to fix it makes for some good drama. One ended in him walk...
by TimeRunner
Fri Apr 04, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Best TV Shows and YouTube channels related to money?
Replies: 13
Views: 1068

Re: Preventing Office Theft of Food and Other Stuff

Dog food, lettuce, and tomato sandwich on Rye w/ Mayo. Then post a note about it on the fridge once the bait's taken.

The breast milk thing really did happen at my work once. A co-worker used to pump and store her milk in the fridge. Someone decided it would be good in his/her coffee. Oops.
by TimeRunner
Thu Apr 03, 2014 9:52 pm
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 5050

Re: HTTPS [Request to implement HTTPS for this site]

+1. It's the wild West out there, and there's more than a few entities "in the middle" twixt user and web server.
by TimeRunner
Thu Apr 03, 2014 9:09 pm
 
Forum: Forum Issues and Administration
Topic: HTTPS [Request to implement HTTPS for this site]
Replies: 52
Views: 2629

Re: Transmission rebuilt ($2k) or buy a new car? [Honda Civi

Since you are "extremely frugal, and want to get at least 250,000 - 300,000 miles out of the vehicle", fix it, maintain it to a level of safety, reliability, and creature comfort you can live with, and drive it into the ground...if you are comfortable with that idea and have a good non-dea...
by TimeRunner
Thu Apr 03, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Transmission rebuilt ($2k) or buy a new car? [Honda Civic]
Replies: 23
Views: 1126

Re: Best ways to show daily news to 9 year old

I loved reading the daily LA Times when I was a kid, even at 8 or 9. I clearly remember reading about the Cuba missile crisis, so I would have been 9 then. Used to wake up, get the paper and read it on the kitchen table while making my parents their morning coffee. Yes, they trained me how to do tha...
by TimeRunner
Thu Apr 03, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Best ways to show daily news to 9 year old
Replies: 28
Views: 1909

Re: The case against small cap value

Frans made his case yesterday for SCV for equities. See: viewtopic.php?f=10&t=135625

It's an interesting read.
by TimeRunner
Wed Apr 02, 2014 11:08 pm
 
Forum: Investing - Theory, News & General
Topic: The case against small cap value
Replies: 53
Views: 5116

Re: 401k vs Pension

2.3% per year of Service is a hell-of-a-nice deal. Wow. I'm hanging in for 1.1% vice leaving now for 1%. I'd love to have your pension!
by TimeRunner
Wed Apr 02, 2014 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k vs Pension
Replies: 10
Views: 704

Re: Earthquake insurance in California

8.0 earthquake in Chile tonight. Earthquakes happen.
by TimeRunner
Tue Apr 01, 2014 10:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Earthquake insurance in California
Replies: 27
Views: 1409
Next

Return to advanced search