Search found 94 matches

by Timoneer
Sat Jun 27, 2015 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Re-Eval TIAA-CREF Funds
Replies: 19
Views: 1436

Re: Re-Eval TIAA-CREF Funds

I hate to give the 1%, knowing that our funds are fairly modest, but I don't want to botch anything up either. That fear has made me procrastinate and have money sitting around that can be invested. On the other hand, pooling our funds would provide more to work with in one spot and be better for c...
by Timoneer
Fri Jun 19, 2015 12:20 pm
Forum: Investing - Theory, News & General
Topic: A Look Inside Jack Bogle's Office
Replies: 27
Views: 4955

Re: A Look Inside Jack Bogle's Office

Anyone knows what this refers to "Bogle has long been inspired by a tribute from Rear Admiral Horatio Nelson to his troops after the 1798 battle. The signature line–”From the deck of the HMS Vanguard “–gave the company its name." Haven't been able to source the tribute online. Admiral Nel...
by Timoneer
Fri Jun 19, 2015 9:09 am
Forum: Investing - Theory, News & General
Topic: A Look Inside Jack Bogle's Office
Replies: 27
Views: 4955

Re: A Look Inside Jack Bogle's Office

Too bad that the resolution isn't high enough to make out all of the book titles. Regarding the artwork on the walls, the print to the far left is of the one, chance meeting between Admiral Nelson and the future Duke of Wellington. Nelson was about to leave England for the last time for his final ba...
by Timoneer
Thu Jun 04, 2015 10:21 am
Forum: Investing - Help with Personal Investments
Topic: AA adjustment or not
Replies: 15
Views: 1045

Re: AA adjustment or not

...I've been retired now nearly 4 years and have just started taking a bit of money out (the dividends in my stock allocation) but I continue to reinvest my bond fund. Personally, I don't believe in being greedy and my stocks have gone up a lot. Other than taking $5k out for my son to help with his...
by Timoneer
Sat Apr 25, 2015 12:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Metro Boston's Chapter (MA)
Replies: 147
Views: 15300

Re: Master Thread for Metro Boston's Chapter (MA)

Folks, So we have TWO choices: Plan 1 : park near the restaurant, meet at 10am at the public library (intros, formal presentation & open discussion), walk back to the restaurant around noon, have lunch, continue with informal small group discussions if you so desire. Plan 2 : go straight to the...
by Timoneer
Sat Apr 18, 2015 11:34 am
Forum: Personal Consumer Issues
Topic: mandatory 17% tip at a buffet
Replies: 32
Views: 3754

Re: mandatory 17% tip at a buffet

I have noticed a trend in the Boston area for hotels that serve holiday buffets to add a mandatory tip to the bill. This past Easter, it was 18% at many places for a brunch buffet, whether for groups or just couples.
by Timoneer
Tue Apr 14, 2015 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Don't come to Europe with a new chip and sign credit card
Replies: 62
Views: 9927

Re: Don't come to Europe with a new chip and sign credit car

I visited the UK and Iceland last fall, and had no problems with my chip-and-sign card - AT MANNED LOCATIONS, like hotels and restaurants. I put the card in the slot, and the machine would recognize it as a chip-and-sign and then spit out a receipt for me to sign. I'll see next month how well it wo...
by Timoneer
Sun Mar 29, 2015 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Two Legged Stool [Figuring out when to take Social Security]
Replies: 26
Views: 3264

Re: Two Legged Stool [Figuring out when to take Social Secur

...2) Given the size of your portfolio and your assumptions about plausible futures for the market and for your spending needs, are you free of the risk of running out of money in old age? If yes, then your decision does not have any significant material impact and you can stop here and do whatever...
by Timoneer
Mon Mar 23, 2015 4:01 pm
Forum: Investing - Theory, News & General
Topic: Michael Lewis puts his money into Vanguard index funds
Replies: 12
Views: 3323

Re: Michael Lewis puts his money into Vanguard index funds

Now, without access to the actual interview, it's not clear that Lewis's decision to invest in index funds and Berkshire Hathaway has anything directly to do with his views on market transactions and any additional frictions caused by high-frequency trading. The context was Lewis declaring that he ...
by Timoneer
Tue Feb 17, 2015 12:43 pm
Forum: Personal Consumer Issues
Topic: Power Vent Gas Hot Water Tank - Thoughts?
Replies: 7
Views: 537

Re: Power Vent Gas Hot Water Tank - Thoughts?

We have had one of these water heaters. No problems at all. It is a little noisy. It is in the basement so it is not a problem. Yes, when power goes out, you can not heat the water. But if you have a generator you can use it to run the fan as well as other things. And as stated above, the water wil...
by Timoneer
Tue Feb 17, 2015 10:20 am
Forum: Personal Consumer Issues
Topic: Power Vent Gas Hot Water Tank - Thoughts?
Replies: 7
Views: 537

Re: Power Vent Gas Hot Water Tank - Thoughts?

So, opinions/experiences with power vent gas hot water tanks appreciated! Due to venting problems, we converted our gas HW heater to a power vent last year. Initial installation is a lot costlier than a standard heater. With the running of a new vent outlet through the side wall, expect to pay abou...
by Timoneer
Mon Feb 09, 2015 10:54 pm
Forum: Personal Consumer Issues
Topic: Boston Must See Sites and Bites
Replies: 51
Views: 2840

Re: Boston Must See Sites and Bites

Depending on how far I get on the Freedom Trail tour the first day, I have thought about taking the shuttle boat to the Constitution and doing the remainder of the Freedom trail backwards the second day. Plus having grown up landlocked my whole life, I like to get out on the ocean, even in a bay, w...
by Timoneer
Mon Feb 09, 2015 10:20 am
Forum: Personal Consumer Issues
Topic: Boston Must See Sites and Bites
Replies: 51
Views: 2840

Re: Boston Must See Sites and Bites

Thanks everyone for their wonderful suggestions. I will be there April 27 through May 1 and fly out May 2. A few people have mentioned the USS Constitution, which is definitely worth visiting given your interest in history. You should note, though, that very close to the Constitution is a World War...
by Timoneer
Sat Feb 07, 2015 2:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Metro Boston's Chapter (MA)
Replies: 147
Views: 15300

Re: Master Thread for Boston's Chapter (MA)

I expect to be there, if it ever stops snowing. Timoneer Back to the running list... Starting from the post where I described the date (Feb 28th) & restaurant being selected: http://www.bogleheads.org/forum/posting%20...%20#pr2345192 Current running list: siamond mikef40320 zelda marielake bh10 ...
by Timoneer
Sat Feb 07, 2015 1:31 pm
Forum: Investing - Theory, News & General
Topic: Difference between an "exemption" and a "deduction?"
Replies: 11
Views: 807

Re: Difference between an "exemption" and a "deduction?"

Being over 65 is no longer an exemption issue, though I think it was years ago. Nowadays we moldy oldies no longer get an extra exemption, but instead get an increment in the standard deduction. But for folks like me with much higher schedule A itemized deductions, we get NOTHING for being over 65....
by Timoneer
Thu Dec 11, 2014 4:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Metro Boston's Chapter (MA)
Replies: 147
Views: 15300

Re: Master Thread for Boston's Chapter (MA)

No offense to my fellow Bogleheads, but I would much rather spend Feb 14 with my wife.
Any of the other Feb dates are fine with me.

Timoneer
by Timoneer
Mon Nov 24, 2014 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Retirement around the corner, seeking advice on getting hous
Replies: 32
Views: 4315

Re: Retirement around the corner, seeking advice on getting

...ran a couple of projections using TIA equity and bond funds. I neither believed nor understood the results; they showed I had over $1M at 94. I think I will schedule another appointment and focus on the traditional annuity funds. Why the disbelief? Your pension at 65 will cover a large portion o...
by Timoneer
Sun Nov 23, 2014 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement around the corner, seeking advice on getting hous
Replies: 32
Views: 4315

Re: Retirement around the corner, seeking advice on getting

... 3. Should I move funds for bond allocation into TIA-cref? Currently earning 3.74% in traditional annuity and new funds are guaranteed at 3%. Any opinions as to whether this would be a better choice than a bond index fund? Everything I read here about the future of bonds, makes me this might be ...
by Timoneer
Wed Oct 29, 2014 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Questions on bond funds in taxable
Replies: 22
Views: 1881

Re: Questions on bond funds in taxable

Hi all, I'm helping my parents plan their portfolio, and had a few questions. 1. With their limited tax advantaged space, they need to put nearly $250k of bonds in taxable space. What bond fund makes the most sense in taxable ? I've heard talk of just using the regular old Total Bond Fund, some hav...
by Timoneer
Thu Oct 23, 2014 7:04 pm
Forum: Investing - Theory, News & General
Topic: Bogle and dry powder
Replies: 29
Views: 5327

Re: Bogle and dry powder

I agree with others that “anchor to windward” refers to stabilizing your ship in a storm and perhaps keeping it from running aground. That’s good advice for investing in the stock market, too, which does have some pretty rough weather. . As for "dry powder" the saying to the effect of “Tr...
by Timoneer
Thu Oct 02, 2014 11:56 am
Forum: Personal Consumer Issues
Topic: LED Flashlights
Replies: 51
Views: 4268

Re: LED Flashlights

I like the free 27 LED flashlight from Harbor Freight Tools. Bright, has a hook to loop on belt and a small powerful magnet to attach to metal surface. Battery lasts a long time. I was surprised that it took this long for someone on the BH forum to mention the LED flashlights that Harbor Freight gi...
by Timoneer
Fri Sep 19, 2014 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to send in estimated tax????
Replies: 32
Views: 2191

Re: Do I need to send in estimated tax????

So, could I just electronically send in the $2k I estimate our tax to be this year? In essence, paid the full tax bill in one fell swoop? Unfortunately, not. The IRS takes a dim view of backloading your estimated tax payments to the end of the year. If you have had uniform income throughout the yea...
by Timoneer
Tue Aug 26, 2014 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Charitable Fund Questions
Replies: 36
Views: 2950

Re: Fidelity Charitable Fund Questions

Another user of Fido's DAF here. It's been pointed out, and worth remembering, that you pay 0.6% in addition to underlying fund costs on these accounts. So not a good idea to store money there long term. If you are also a Fido brokerage customer they will sometimes waive this fee. I haven't figured...
by Timoneer
Fri Aug 22, 2014 8:46 am
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 6079

Re: Do you tip on the tax?

I base my tip on the food/drink portion of the bill, usually rounding up to an even number.
I would only tip on the tax if I felt that the state tax collectors had provided better than average service during the meal, and if there was a way to insure that the extra tip would reach those responsible.
by Timoneer
Sat Aug 02, 2014 9:15 am
Forum: Personal Consumer Issues
Topic: Power vent water heater noise
Replies: 11
Views: 1351

Re: Power vent water heater noise

Mine is comparable to a bathroom exhaust fan. I have 2 bathroom fans: one is so quiet you can barely hear it, one is loud enough to hear 25 feet away. Which one is your closer too? It is moderately loud within the confines of a small bathroom, and quite noticeable in nearby rooms if the door is lef...
by Timoneer
Fri Aug 01, 2014 8:13 pm
Forum: Personal Consumer Issues
Topic: Power vent water heater noise
Replies: 11
Views: 1351

Re: Power vent water heater noise

I'm thinking of replacing my old water heater. One way to make the replacement code compliant is by installing a power vent water heater. Since this is going to be inside the house (not the garage), I'm worried that the power vent noise might be quite annoying. I couldn't find noise levels specifie...
by Timoneer
Fri Aug 01, 2014 6:49 am
Forum: Personal Consumer Issues
Topic: Central AC replacement decision
Replies: 54
Views: 4809

Re: Central AC replacement decision

Our Trane unit is 23 years old and still uses Freon. We have it serviced annually and it works just fine, but when the HVAC service guy was here today, he noted its age and the fact that it is statistically overdue for replacement. We have had an exceptionally mild and comfortable summer and as a r...
by Timoneer
Wed Jul 30, 2014 10:02 pm
Forum: Personal Consumer Issues
Topic: Surge protectors
Replies: 41
Views: 4117

Re: Surge protectors

So here is what is probably happening in the OP's case. The circuit for the blender probably has other appliances on it that are running at the same time. It isn't right, but not uncommon for the refrigerator, for example, to be on the same circuit. So at around 45 seconds, the combination of appli...
by Timoneer
Wed Jul 30, 2014 6:36 pm
Forum: Personal Consumer Issues
Topic: Surge protectors
Replies: 41
Views: 4117

Re: Surge protectors

Frankly, this is a bunch of pseudo-electrical gobbledegook. ...Nobody said that [the blender can only be operated for 15 seconds at a time]... There is no evidence that the blender overheats in 45 seconds....GFCI's should not be affected by inductive loads or "spikes" when turning on or o...
by Timoneer
Wed Jul 30, 2014 11:15 am
Forum: Personal Consumer Issues
Topic: Surge protectors
Replies: 41
Views: 4117

Re: Surge protectors

There is nothing unusual about the power rating of this blender. It is 1500 watts which is less than the typical counter-top microwave, toaster oven or hair dryer. It should operate fine on a typical 15 amp circuit assuming there are no other high power devices on the same circuit operating at the ...
by Timoneer
Mon Jul 28, 2014 7:36 pm
Forum: Personal Consumer Issues
Topic: Surge protectors
Replies: 41
Views: 4117

Re: Surge protectors

That's correct. Here is the thing: it's a brand new top of the line Ninja Ultima blender from Bed Bath and Beyond. It costs about $300. As stated in my original post - it happened twice. But the first time it happened, I exchanged it at the store and they gave me another one. But the same thing hap...
by Timoneer
Sun Jul 27, 2014 3:14 pm
Forum: Personal Consumer Issues
Topic: Surge protectors
Replies: 41
Views: 4117

Re: Surge protectors

Kitchen outlets in newer or remodeled homes use Ground Fault Interrupt outlets. These outlets have test and reset buttons on the outlet. The GFI breaker in one outlet can control several others. You might check and see it the outlets you are using are GFI and, if so, reset the outlet breaker. Check...
by Timoneer
Wed Jun 18, 2014 2:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boston or south Boston chapter
Replies: 96
Views: 5238

Re: Boston or south Boston chapter

There is just a slight chance that I will be able to attend for lunch, but I will throw out a few alternatives for the Burlington area: Not Your Average Joes, in Wayside Common. This is just off Exit 33 of 95, one exit north/east of the Burlington Mall. http://www.notyouraveragejoes.com/burlington/ ...
by Timoneer
Sun May 04, 2014 4:55 pm
Forum: Personal Consumer Issues
Topic: Purchasing IPad and need advice
Replies: 25
Views: 2103

Re: Purchasing IPad and need advice

I greatly prefer the iPad mini for travel, because of weight and size. The 16GB version is more than adequate for all of my travel needs, such as maps, airlines, Kayak, Yelp, Opentable, etc. I would only need 32GB if I wanted to store several full length movies. Only the cellular model has built in ...
by Timoneer
Tue Mar 25, 2014 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Funds
Replies: 62
Views: 3446

Re: Donor Advised Funds

The main differences I found when I opened my account in February were: Fidelity Charitable: minimum initial contribution $5k, subsequent grant $1K, minimum grant $50 I recently opened a Fidelity DAF, and my understanding is that there is no minimum on subsequent contributions. The only minimum tha...
by Timoneer
Sun Mar 02, 2014 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 37255

Re: H&R Block instead of 2013 TurboTax

I notice that you switched from TT online to HRB desktop. Note that the TT desktop version supports all forms; it's only the online versions that require upgrading to do what you needed to do. Kevin Yes, I realize that it is an apples and oranges comparison, in part because TT created a confusing d...
by Timoneer
Sun Mar 02, 2014 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 37255

Re: 2013 TurboTax: Which Product? New Rules?

HRB did have the M-2210 form, but it told me that I also had to fill out the supporting worksheet M-2210A which it did not support. I was directed to the state website to download it and fill it out manually. This proved to be a perverse form, created by a devious sadistic mind. Dozens of numbers t...
by Timoneer
Sun Mar 02, 2014 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 37255

H&R Block instead of 2013 TurboTax

I am one of those former TurboTax users who has been annoyed by TT's marketing decisions regarding this year's software. For years I have been content using the Deluxe on-line version. This year, I find that I must upgrade from Deluxe to Premier just to report Schedule D. Because I have simple Sched...
by Timoneer
Fri Feb 28, 2014 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting with Fidelity [Financial Advisor]
Replies: 42
Views: 6481

Re: Meeting with Fidelity

You can save a lot of money by just following the Boglehead passive investing approach. Of course active management is very valuable... but for the providers, not the clients. Note: I have accounts at Fidelity and am pleased overall with their customer service. But I don't take any advice from them...
by Timoneer
Fri Feb 14, 2014 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax and Schedule C
Replies: 4
Views: 356

Turbotax and Schedule C

I have previously used TT Deluxe for many years, and it has been perfectly adequate for handling investments and some simple Schedule C income. Because there is some depreciation of computer equipment involved, I must file a Form 4562 and cannot use the simpler Sched C/EZ. Now I have read the length...
by Timoneer
Sun Feb 02, 2014 11:09 am
Forum: Investing - Theory, News & General
Topic: TIAA Real Estate and asset allocation -- REIT? Bond?
Replies: 64
Views: 4516

Re: TIAA Real Estate and asset allocation -- REIT? Bond?

OK, I am ready to cash out and roll this TREA money over to an IRA....! You need to call TIAA-CREF to remove money from the TREA, all or in part (but only one withdrawal per quarter is allowed, regardless of amount). This can NOT be done "online". Then put it in your TIAA/CREF money marke...
by Timoneer
Sat Jan 11, 2014 1:48 pm
Forum: Investing - Theory, News & General
Topic: The Callan Periodic Table updated for 2012
Replies: 42
Views: 6340

Re: "Own the haystack"

The CPT demonstrates the futility of trying to time the market. It also demonstrates the benefit of investing in the total market. Last year, I went to a seminar conducted by a major investment institution (there was a free dinner involved). One of the first slides put up at the beginning of the pr...
by Timoneer
Tue Jan 07, 2014 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Qualified vs Non-qualified Dividends
Replies: 22
Views: 2577

Re: Qualified vs Non-qualified Dividends

Thanks Geologist and others who have opined. I think you're right that Fidelity will eventually reclassify non-qualified dividends as qualified for those hold >61 days and initially plays it safely by listing dividends as non-qualified. I prefer the Vanguard method of disclosure but will be patient...
by Timoneer
Thu Jan 02, 2014 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Pension---lump sum or annuity?
Replies: 46
Views: 4196

Re: pension--lump sum or annuity?

I apologize for not responding earlier. I am the OP. let me answer your questions first. 1. My firm is a major international Pharma company. 2. My pension is not inflation adjusted 3. My SS is $1750/mo and my wife's is $650/mo. 4. My savings are indexed fund invested at close to 50% equity/50% fixe...
by Timoneer
Thu Jan 02, 2014 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Pension---lump sum or annuity?
Replies: 46
Views: 4196

Re: Penison--lump sum or annuity?

How would the lump sum option be taxed?
by Timoneer
Thu Dec 26, 2013 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate Account, bond-like or Madoff-like?
Replies: 79
Views: 8987

Re: Year-end update: What are TREA Market Timers thinking?

Are any of you TREA market timers thinking about making some trades? Thanks! I am a lazy timer. I have no interest or confidence in my ability to predict when the peak may occur. I do have confidence that I will have many weeks to act after the inevitable decline begins, with the consequence of onl...
by Timoneer
Thu Dec 26, 2013 9:24 pm
Forum: Personal Consumer Issues
Topic: iPad Air info please
Replies: 35
Views: 2095

Re: iPad Air info please

Thinking of buying an iPad Air this weekend. Not interested in any other tablet so would appreciate keeping the focus on the iPad. We have wireless at home and we have iPhones with cellular plan thru ATT and not changing carrier. For the iPad I keep debating: storage space 16GB or 32? WiFi only or ...
by Timoneer
Wed Dec 25, 2013 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Qualified vs Non-qualified Dividends
Replies: 22
Views: 2577

Re: Qualified vs Non-qualified Dividends

Thanks, Geist and Sydney. I'm glad to hear taxation of dividends remains unchanged in 2013 relative to 2012, and I think the status on these dividends from an equity index mutual fund offered from Fidelity will end up being qualified rather than non-qualified, despite the current misleading descrip...
by Timoneer
Tue Oct 29, 2013 1:56 pm
Forum: Investing - Theory, News & General
Topic: New ibond rates for nov 2013
Replies: 45
Views: 8311

Re: New ibond rates for nov 2013

If you setup an order for 10/31 do you get that date or does it take a day or two to clear? I had set up an order in advance for today (10/29). The funds were withdrawn from my bank this morning, and checking my Treasury Direct acct, I see that the new Ibond is already registered, with an effective...

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