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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: 4490

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: 101
Views: 4726

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: 4490

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: 2680

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: 3493

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: 66
Views: 3190

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: 3493

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: 13556

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: 28
Views: 1852

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: 9638

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: 6920

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: 18
Views: 1416

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: 59
Views: 3581

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: 70
Views: 4807

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: 3148

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: 1398

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: 1398

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: 5112

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: 2676

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: 2678

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: 2678

Re: Easy careers to last me to retirement?

Forest Ranger. You can thank me later. When I was working,our top engineer decided he wanted to become a forest ranger. He quit and did that for a couple years , then came back and was rehired. Rangers "take their pay in Sunsets." For Fed Rangers (Park, Forest, BLM, etc), the organization...
by TimeRunner
Tue Jul 08, 2014 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 92
Views: 13556

Re: Asset bubble?

Article in today's NY Times on this topic: "Welcome to the Everything Boom, or Maybe the Everything Bubble", see:

http://www.nytimes.com/2014/07/08/upshot/welcome-to-the-everything-boom-or-maybe-the-everything-bubble.html?ref=business&_r=0
by TimeRunner
Tue Jul 08, 2014 11:10 am
 
Forum: Investing - Theory, News & General
Topic: Asset bubble?
Replies: 8
Views: 930

Re: Car did not start: To dispose? How?

Consider the time, effort and $ required to replace the car at a time when you said you already have a lot on your plate. A battery diagnosis and change out would be a quick repair so you can get to that other stuff.
by TimeRunner
Mon Jul 07, 2014 11:45 am
 
Forum: Personal Consumer Issues
Topic: Car did not start: To dispose? How?
Replies: 70
Views: 5508

Re: Continue subscribing to local newspaper?

My little town has a free weekly paper that covers it nicely. The metro area has several Internet news or news aggregator sites that have most of the news, the rest is covered by the metro free weekly paper. NYTimes is free with some ad and script blocking, as is LA Times and Wash Post. I pay for WS...
by TimeRunner
Fri Jul 04, 2014 8:25 pm
 
Forum: Personal Consumer Issues
Topic: Continue subscribing to local newspaper?
Replies: 86
Views: 6132

Re: do you lie about your finances to friends

Mom taught me to say: "Oh, talking about money - it's all sooo boring." Hehhehheh....
by TimeRunner
Thu Jul 03, 2014 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 8893

Re: One Year Follow Up -- Where have I failed!

You haven't failed, you're succeeding! :beer
by TimeRunner
Thu Jul 03, 2014 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: One Year Follow Up -- Where have I failed!
Replies: 17
Views: 2373

Re: The Millionaire Next Door: Are You One?

"The Millionaire Next Door" was written in 1996. Inflation from Dec 1996 through May 2014 is about 50%, so you should be asking if you are the $1.5M next door neighbor. :mrgreen:
by TimeRunner
Mon Jun 30, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22211

Re: Please help us decide where to live

"The grass is always greener over the septic tank." - Erma Bombeck Realize there is no perfect place and even if you found it, the small house or big Ranch next door could change owners or management and paradise would be lost. (I recently passed through West Glacier, MT and saw a nice ran...
by TimeRunner
Sun Jun 29, 2014 10:57 am
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 7809

Re: Anyone have experience with Lynda.com?

They are HQ'd nearby with very cutting edge production facilities, and have a very solid reputation, particularly for tech training. They are growing but don't seem to be getting too far ahead of themselves. I know several who work there, and they are sharp. They use a lot of UC Santa Barbara profes...
by TimeRunner
Mon Jun 16, 2014 9:27 pm
 
Forum: Personal Consumer Issues
Topic: Experience with Lynda.com? [online tech training]
Replies: 7
Views: 972

Re: Calling all Cyclists...

Consider also "Aquabike" training...Swim and Bike. USA Triathlon sanctions Aquabike races in conjunction with Triathlons. One nice one near here is the Santa Barbara Tri Aquabike Long Course. Swimming and biking is a great combo...good for your core and upper body, complementary. Cut way b...
by TimeRunner
Mon Jun 16, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Calling all Cyclists... [help getting into cycling]
Replies: 71
Views: 5118

Re: Cutting the cable cord - how did you do it?

Took down the Dish a few weeks ago after tiring of rate creep to $79/month for 150 channels of which maybe 15 had an occasional program worth watching. UPS'd the DVR and antenna headend back to their warehouse. Avoided unbelievable incessant persistent 'account retention specialist' escalation hand-...
by TimeRunner
Sat Jun 14, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 63
Views: 4396

Re: Should I buy time in my gov't pension plan?

I'm with midareff. 3% of High-3 is a great deal for you, pretty terrible for taxpayers. But you didn't make the rules, so harvest the benefit before they wise up and change the rules...which they will someday because that pension is unsustainable. :wink:
by TimeRunner
Fri Jun 13, 2014 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy time in my gov't pension plan?
Replies: 24
Views: 2167

Re: The Core Four

Another Core4 follower. Thank you, Rick. :beer <-- We need a wine glass Smilie/emoticon.
by TimeRunner
Wed Jun 11, 2014 11:51 pm
 
Forum: Investing - Theory, News & General
Topic: The Core Four
Replies: 253
Views: 132413

Re: Donor Advised Funds

Anyone transfer stocks to Fidelity or Vanguard notice how much they charge in transaction fees? By transaction or number of shares? On the broker side or the charity side? I'm assuming there charity doesn't charge, but haven't gotten a definitive answer. I'm wondering if making stock donations unde...
by TimeRunner
Wed Jun 11, 2014 10:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Funds
Replies: 62
Views: 2800

Re: POLL: Pay down 3.5% mortgage or invest in taxable?

If you treat your mortgage as a negative bond, do you also treat your SS and possible pension as bonds too? If not, why not?
by TimeRunner
Tue Jun 10, 2014 11:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Pay down 3.5% mortgage or invest in taxable?
Replies: 89
Views: 7644

Re: Vanguard Financial Plan and TSP

If I treat my anticipated FERS pension's present value as a bond, and ignoring SS, that's equal to about 45% of all retirement assets. For that reason alone, all TSP is in C,S, and I funds. The G is a great deal, but not useful to me currently.
by TimeRunner
Tue Jun 10, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Financial Plan and TSP
Replies: 15
Views: 1518

Re: New Lazy Portfolio: "Trinity Portfolio"

I see 9 holdings. How about "Cat of 9 Tails"? 8-)
by TimeRunner
Sun Jun 08, 2014 9:50 am
 
Forum: Investing - Theory, News & General
Topic: New Lazy Portfolio: "Trinity Portfolio"
Replies: 28
Views: 2129

Re: Hiking and Locator Beacon

I carry a Delorme InreachSE when hiking or riding my motorcycle into the backcountry where cell service is non-existent. Wife can track me on a map. Tracking points sent every 10 minutes. Global coverage. Monthly plan cost is around $28, well worth the peace of mind for wife and knowing I can send e...
by TimeRunner
Thu Jun 05, 2014 11:53 am
 
Forum: Personal Consumer Issues
Topic: Hiking and Locator Beacon
Replies: 33
Views: 2156

Re: Government Employment (Employee)Question

Our outfit used to move people like the Army, with lots of upward career moves available. No more. Training, travel, professional conferences, and relocation are almost nothing. Ask around before you leap.
by TimeRunner
Wed Jun 04, 2014 11:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Government Employment (Employee)Question
Replies: 7
Views: 749

Re: Improving the TSP [for current participants]

I support MichDad's first 4 points, and oncorhynchus's suggestion to change the I fund to use the same index as VG's Total International Stock fund (VTAIX). A slight correction as to the index - it has changed a few times over the years and is currently FTSE Global All Cap ex US Index, and that's th...
by TimeRunner
Tue Jun 03, 2014 10:51 am
 
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 29
Views: 3211

Re: cable cutting questions

Dropped the Dish last week. Only slight withdrawal symptoms so far, with Amazon prime and Netflix, and an Apple TV filling in the blanks. NBC Nightly News was a ritual and it's still there as as podcast. We aren't big TV watchers. If one is physically able, life is better off the couch and outside!
by TimeRunner
Thu May 22, 2014 11:05 am
 
Forum: Personal Consumer Issues
Topic: cable cutting questions
Replies: 49
Views: 4963

Re: Switch car insurance? State Farm vs GEICO

I've been with GEICO for awhile. I attended a local Triathlon Club meeting last week, and one of the sponsors who is a local trial attorney was given the floor for a minute. He said that only a few insurance companies like State Farm and Farmers Insurance cover bicycle riding under auto insurance, a...
by TimeRunner
Thu May 15, 2014 10:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switch car insurance? State Farm vs GEICO
Replies: 42
Views: 3481

Re: TSP password enhanced today

Is having more possible characters and combinations a meaningful source of added security, or is the greater risk someone hacking in and determining exactly what you set up as your password, as well as all the other TSP participants? Remembering all your various passwords is less likely the longer ...
by TimeRunner
Mon May 12, 2014 9:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: TSP password enhanced today
Replies: 15
Views: 1337

Re: Tillers & Cultivators

Rent a big one, have it delivered (it will come on a trailer), use it, have the guy pick it up when you're done. Easy. No muss, no fuss, maint is on the rental yard, no depreciating asset, no space taken in the garage.

Why own when you can rent?
by TimeRunner
Sat May 10, 2014 11:04 pm
 
Forum: Personal Consumer Issues
Topic: Tillers & Cultivators
Replies: 21
Views: 1374

Re: Any benefit to a prenup for us?

I don't think you need a prenup, frankly. Your income's are pretty much equal, and you have no kids from previous marriages, etc. IMO (and I'm not an attorney), a prenup is more useful in a subsequent marriage, particularly where there are heirs to protect. Then a what's mine is mine, yours is yours...
by TimeRunner
Tue May 06, 2014 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 3884

Re: Portfolio advice with TSP and Vanguard Roth IRA

I'm more in MichDad's camp as far as not investing in Bonds when you're young. You have a lot of runway in front of you. If stocks are down, then oh well...you're buying more stock shares every pay period. Don't think about the G fund until you get to the point of thinking about retirement. Hopefull...
by TimeRunner
Wed Apr 30, 2014 11:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice with TSP and Vanguard Roth IRA
Replies: 11
Views: 1145

Re: For or Against: VG International Bond Index Fund?

Oddly enough, the hands-down cost leader, the US Thrift Savings Plan, received a report from Mercer at their March 2014 meeting that recommended that the TSP add EMERGING MARKETS to their lifecycle fund mix! "3. L Fund Additional Investment Options Mercer presented an analysis of additional ass...
by TimeRunner
Tue Apr 29, 2014 6:58 pm
 
Forum: Investing - Theory, News & General
Topic: For or Against: VG International Bond Index Fund?
Replies: 11
Views: 1094

Re: POLL: the WORST financial advice you've given/received?

Many years ago, when I was a seasonal park ranger in New Mexico, age 24, with not much more than my old car and what stuff could fit in it, a friend connected me to a broker out of a no-name brokerage in San Diego. He'd been making money trading options suggested by this guy and encouraged me to con...
by TimeRunner
Sun Apr 27, 2014 10:39 am
 
Forum: Investing - Theory, News & General
Topic: POLL: the WORST financial advice you've given/received?
Replies: 61
Views: 15073

Re: Where would you retire, if $ were no object?

As Erma Bombeck wrote in the title of one of her books, "The Grass is Always Greener Over the Septic Tank."
by TimeRunner
Wed Apr 23, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: Where would you retire, if $ were no object?
Replies: 89
Views: 19244
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