Search found 1188 matches

by TimeRunner
Thu Dec 07, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Why ORP-I suggests you spending down aft-tax saving 1st?
Replies: 29
Views: 2250

Re: Why ORP-I suggests you spending down aft-tax saving 1st?

Also, you really need to run I-ORP every year to see current year recommendations, and if your AA changed from previous year, you would either put in the new resulting AA numbers or you would rebalance your accounts as needed to get back to your desired AA and then run I-ORP.
by TimeRunner
Thu Dec 07, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Why ORP-I suggests you spending down aft-tax saving 1st?
Replies: 29
Views: 2250

Re: Why ORP-I suggests you spending down aft-tax saving 1st?

I'm confused by this thread. You would set the AA the same in each account if you didn't want I-ORP to spend money from the account that had the lowest returns first, and you just wanted to see what the recommendation would be if the AA is the same. But most people don't have the same AA in each acc...
by TimeRunner
Wed Dec 06, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Want to sell my Bitcoin, but when?
Replies: 90
Views: 8377

Re: Want to sell my Bitcoin, but when?

With apologies to Phil Edwards, "You should have sold it an hour ago." :wink:
by TimeRunner
Tue Dec 05, 2017 7:21 pm
Forum: Investing - Theory, News & General
Topic: Fama - Embrace passive management already
Replies: 16
Views: 2438

Re: Fama - Embrace passive management already

None of us hold the global market portfolio and never re-balance. Some of us are trying to get close to that goal by owning Vanguard Total World (net assets $9.8B) and/or ACWI (net assets $8.2B) as our equity holding. It's the ultimate Boglehead equity holding. There's always some of us oddballs ou...
by TimeRunner
Mon Dec 04, 2017 10:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: Holiday thanks to Bogleheads. How have they helped you?
Replies: 24
Views: 2066

Re: Thanking Bogleheads. How have they helped you. . . or others? Who have you learned what area of advice from?

All of the above, plus sscritic. Don't know him, and don't even know if he's alive, but I hope he's enjoying his Chinese opera. Happy Holidays.
Image
by TimeRunner
Mon Dec 04, 2017 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 65, and choosing not to take Medicare Part B
Replies: 37
Views: 3668

Re: Turning 65, and choosing not to take Medicare Part B

Fed retiree here. In current setup/parameters/situation, we (self plus one) wi'll be skipping Part B, keeping GEHA standard, and drawing on HSAs to pay med expenses as needed. We would be subject to IRMAA (Income Related Monthly Adjustment Amount) at $428.60/month each (as of this date) due to Roth ...
by TimeRunner
Mon Dec 04, 2017 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Fisher Investments
Replies: 14
Views: 1954

Re: Fisher Investments

FBN2014 wrote:
Mon Dec 04, 2017 8:02 pm
Run don't walk.
I knew Ken and Sheri. I use Vanguard and FIdelity. The End.
by TimeRunner
Mon Dec 04, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason to keep my Life Insurance (FEGLI)?
Replies: 17
Views: 1140

Re: Any reason to keep my Life Insurance (FEGLI)?

Just be aware that FEGLI Open Seasons are rare (2016, 2004, 1999...), so if you did decide to sign up again, you would have to have a medical exam. Probably not an issue since you are currently young and healthy with only parents as beneficiaries, but life changes do happen. See OPM info, currently ...
by TimeRunner
Sat Dec 02, 2017 8:23 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25901

Re: How to Get Stock Quotes Into Excel

One Ping wrote:
Fri Dec 01, 2017 5:22 pm
That last one's a killer ... :oops:
The Universe is telling you to switch to ETFs. :)
by TimeRunner
Sat Dec 02, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: Google Pixel 2 Verizon, Insurance Question
Replies: 7
Views: 548

Re: Google Pixel 2 Verizon, Insurance Question

I have a Pixel 2. I opted for insurance the first month, just to make sure I didn't have a dog and had more leverage if there was an issue. It was only $5 for the month (via Project Fi). Once I knew I had a seemingly solid device and I got a good case for it, I dropped the insurance. Great phone! 8-)
by TimeRunner
Fri Dec 01, 2017 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: Have you moved to ETF's? Why or why not?
Replies: 33
Views: 2290

Re: Have you moved to ETF's? Why or why not?

Fido lets you reinvest VG ETF dividends in fractional amounts. I can move the ETFs back to VG or to Schwab or whatever. I also like immediate execution. VG ETFs have enough trade volume that spread is not usually an issue, unlike bespoke (aka oddball) low-volume ETFs.
by TimeRunner
Fri Dec 01, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: For Musk, an Energy Feat the Size of a Football Field
Replies: 52
Views: 2143

Re: For Musk, an Energy Feat the Size of a Football Field

Please cite the source of the chart (URL). I'd be interested in seeing the rest of it. Thanks.
by TimeRunner
Fri Dec 01, 2017 10:27 am
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 64
Views: 14979

Re: Alternative to Google Finance? [Portfolios feature deprecated]

Just pulled up Google finance and was mortified at what I saw. What the heck are they thinking? The adobe flash interactive chart and the layout with previously viewed stocks and etfs with prices updated in real time was pretty much the best thing ever for a free online resource, and they completel...
by TimeRunner
Fri Dec 01, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: For Musk, an Energy Feat the Size of a Football Field
Replies: 52
Views: 2143

Re: For Musk, an Energy Feat the Size of a Football Field

I'm not a Tesla fanboy, but I very much want Tesla to succeed, which will push competitors and accelerate positive changes in energy generation, storage, and the environment. If that takes a bit of showmanship and bluster, so be it. I own Tesla at global market cap via VT, 0.09% of the portfolio. :)
by TimeRunner
Thu Nov 30, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Limiting Income to <$250K for tax purposes
Replies: 20
Views: 2872

Re: Limiting Income to <$250K for tax purposes

I model using Turbotax and it makes very clear the impact of the increased tax when going above $250K MFJ. This can be a concern for retirees who are not yet collecting SS and are using the gap years to do Roth IRA conversions.
by TimeRunner
Wed Nov 29, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: Buying a dishwasher
Replies: 54
Views: 3520

Re: Buying a dishwasher

One issue I'm having with my current Samsung DW is that the plastic spray arms snap into a plastic collar. There are no threaded parts, they are held on by friction. The arms rotate and the parts gradually wear against each other, resulting in the spray arm popping off under pump water pressure. New...
by TimeRunner
Mon Nov 27, 2017 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 17426

Re: Car or a trip around-the-world?

Bogleheads: When I graduated from the University of Miami in 1949, my parents offered to buy me a car or a trip around the world. My brother received the same offer. I wanted the car. My brother wanted the round-the-world trip. We decided on the trip together. Looking back, my brother was right. Be...
by TimeRunner
Mon Nov 27, 2017 10:37 pm
Forum: Investing - Theory, News & General
Topic: Charles Schwab Experiences?
Replies: 84
Views: 10730

Re: Charles Schwab Experiences?

Have personal accounts at Fido and manage Mom's trust accounts at CS. Of the two, I prefer CS's website. Better organized, nice tools, constant improvement. I may move my Fido accounts to CS next Spring. Both beat VG hands down if you're doing anything outside of VG mutual funds. Put another way, if...
by TimeRunner
Mon Nov 27, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Google Project Fi - "Device Protection" problem
Replies: 20
Views: 1095

Re: Google Project Fi - "Device Protection" problem

I ran across this, which is odd in that it is posted as a "Sample": https://fi.google.com/about/device-protection-terms/
by TimeRunner
Mon Nov 27, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Google Project Fi - "Device Protection" problem
Replies: 20
Views: 1095

Re: Google Project Fi - "Device Protection" problem

I find it odd they would only give you $59 for your phone, since they put a $250 hold on my credit card until I returned the old broken phone... which I believe was the cost of the phone before they stopped selling them. Reminder that the "they" in this case is Assurant, as in: "About our device pr...
by TimeRunner
Sun Nov 26, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 17426

Re: The fallacy of spending money on "experiences" vs hard assets

TLDR, but... I bet the folks who own private jets enjoy the experiences and the hard assets. Ditto fine yachts, etc. Why not both? :beer
by TimeRunner
Sun Nov 26, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Google Project Fi - "Device Protection" problem
Replies: 20
Views: 1095

Re: Google Project Fi - "Device Protection" problem

Munemaker, I think you should bend them over. Google is STILL showing that they would replace your Nexus 5X after a $69 deductable, here: https://support.google.com/fi/answer/6309809?hl=en Nowhere does it say the phone is obsolete and won't be replaced like for like. However, realize also that you a...
by TimeRunner
Sun Nov 26, 2017 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 12126

Re: Help DW gets fired, but then next day her boss offers her job back

"A bird in hand is better than 2 in the bush."

The bird is as you choose it to be. Backstory: https://deanbriggs.com/2011/11/08/the-b ... -it-to-be/
by TimeRunner
Sat Nov 25, 2017 10:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 244
Views: 34250

Re: Roll Call for the Retirement Class of 2016!

Fun to see this thread brought back to life. Retirement had a tough start in early 2017 due to family health issues, death on wife's side of family (and resultant prolonged executor duties), a health insurance FUBAR, and a few other issues. But as the year went on, those issues have worked towards r...
by TimeRunner
Fri Nov 24, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan
Replies: 34
Views: 3963

Re: Thrift Savings Plan

L Income L 2020 L 2030 L 2040 L 2050 G Fund F Fund C Fund S Fund I Fund 10-Year 3.73% 4.62% 5.14% 5.37% - 2.63% 4.59% 7.00% 8.13% 1.02% Post format makes it look like G Fund was -2.63%. To be clear it's +2.63%. G Fund (or some mix of G and F) is a fine place to park your bond allocation in retireme...
by TimeRunner
Thu Nov 23, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Christmas gifts for lots of kids (experiences or stock)?
Replies: 36
Views: 2744

Re: Christmas gifts for lots of kids (experiences or stock)?

Give them some small amount of money in an envelope addressed to the local Firehouse and then pre-arrange a visit to the local fire station where they can make a donation and take a tour. A pre-arranged wildlife rescue center (hawks, etc) visit and donation "ceremony" would also be fun. 8-)
by TimeRunner
Wed Nov 22, 2017 11:36 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23594

Re: To take or not to take delivery of Tesla 3

Question for the OP (or anyone else contemplating a custom order), "How long are you willing to wait?" It's strange to me order a car and not have confidence as to what quarter or perhaps what year it will be delivered, and what options may or may not be available by the time it's built. Granted, I'...
by TimeRunner
Wed Nov 22, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: Open Season - FEHB
Replies: 5
Views: 648

Re: Open Season - FEHB

Agree with Swansea that Checkbook Guide is a good use of $9.95 (current price for website access). It confirmed our self+1 selection for 2018. See: https://www.checkbook.org/newhig2/hig.cfm
by TimeRunner
Tue Nov 21, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 12126

Re: Help DW gets fired, but then next day her boss offers her job back

Her boss basically told her that the office is going thru a tough time and that she can have her job back at 25% reduction in pay. The economy is booming, and unemployment is hitting new lows. If the business isn't successful now, how much more will employees have to sacrifice to support the busine...
by TimeRunner
Tue Nov 21, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Whole House Surge Protector still works with breaker off?
Replies: 38
Views: 2631

Re: Whole House Surge Protector still works with breaker off?

Google "electrical panel inspection window" for options to at least be able to see the lights on your surge protector. Consult a local commercial electrician to make sure whatever one you or he/she installs meets code requirements. (I am not an electrician, just a DIY'er.)
by TimeRunner
Mon Nov 20, 2017 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 108
Views: 12972

Re: The valet smashed my Tesla into a brick wall!

The owner of the venue says his insurance company will call me on Monday, and “take care of everything.” The police came to the scene and wrote an incident report but refused to write a full police report as they said the owner of the venue is taking full responsibility. Talk's cheap. He says he's ...
by TimeRunner
Mon Nov 20, 2017 1:11 pm
Forum: Investing - Theory, News & General
Topic: Thrift Savings Plan Modernization Act - Wiki updates needed
Replies: 3
Views: 695

Re: Thrift Savings Plan Modernization Act - Wiki updates needed

This is the language from the TSP "What's New" web page: "TSP Withdrawal Options Bill Becomes Law — (November 20, 2017) On November 17, 2017, President Trump signed into law the TSP Modernization Act of 2017, which will provide TSP participants with more flexible withdrawal options. The law eliminat...
by TimeRunner
Mon Nov 20, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 75
Views: 10120

Re: Water Heater Install $1,800!

We have natural gas tankless heater in garage for laundry setup that works fine. We've kept natural gas tank technology in the house because: 1. It's really nice to have hot water during a power failure, and 2. The tank may be a convenient supply of potable water in an earthquake, etc. I'd use a loc...
by TimeRunner
Sun Nov 19, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 141
Views: 10113

Re: Anyone planning on getting the new Pixel phone?

Received XL 2 Panda phone a few days ago. Really nice phone, and it's splashproof so I no longer need a lifeproof case. Took some fun video yesterday when we encountered an at least 500 count Dolphin pod rounding up fish in the Santa Barbara Channel.
by TimeRunner
Fri Nov 17, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Questions for Boglehead runners
Replies: 28
Views: 1599

Re: Questions for Boglehead runners

1) How much do you spend each year on running, including gear/shoes, entry fees, PT, travel, etc.? Roughly $1,500/year not including race travel which I classify as vacation. (Yeah, I know. We take non-race vacations too.) More $ when younger and more competitive. Now I'm more of an IDC ("I don't ca...
by TimeRunner
Thu Nov 16, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: Chain of command
Replies: 39
Views: 4978

Re: Chain of command

Who inherits the company when the owner eventually passes away? That might be the person to follow up with.
by TimeRunner
Thu Nov 16, 2017 8:30 pm
Forum: Investing - Theory, News & General
Topic: Luxury Index Funds
Replies: 12
Views: 1728

Re: Luxury Index Funds

Wife uses Vanguard Target Retirement 2025 Fund in 401k as a relatively low-cost self-balancing no-hands-on choice. I don't know if I'd call it a luxury, but I suppose if you're counting pennies it is. I use Vanguard Total World ETF in TIRA, Roth, and Investment account. Own the world in one self-bal...
by TimeRunner
Wed Nov 15, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Regrets after reaching retirement?
Replies: 42
Views: 4482

Re: Regrets after reaching retirement?

Regrets are not actionable.
by TimeRunner
Wed Nov 15, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Wall Street Journal - What Gives?
Replies: 7
Views: 1677

Re: Wall Street Journal - What Gives?

Based on my WSJ renewal experience, wait and see what offers they make as Feb 2018 approaches. Your renewal rate should be much lower than what they are asking you for now. ("Asking 'ain't getting.")
by TimeRunner
Mon Nov 13, 2017 11:13 pm
Forum: Personal Consumer Issues
Topic: Looking for a Catamaran
Replies: 21
Views: 1783

Re: Looking for a Catamaran

Do this first: https://www.offshoresailing.com/sail-an ... g-courses/

A man (woman) can dream! :beer
by TimeRunner
Thu Nov 09, 2017 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 159
Views: 10966

Re: Federal Retiree Health Care with/Medicare

I'm leaning towards not opting for Part B in 2019 (when I enroll in Medicare A). We'll be subject IRMAA - more than $3,200/year for me, and more than double that for two of us per year by the time my wife applies. Much speculation around the future of FEHB and whether B would be required. If B is re...
by TimeRunner
Wed Nov 08, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total World Stock Index Fund Review
Replies: 53
Views: 11890

Re: Vanguard Total World Stock Index Fund Review

You are right that it would not make sense for most people to own 100% equities in their Roth without having bonds there or in a TIRA or similar non-taxable or tax-deferred fund. I thought this was interesting about having a bond allocation in the Roth. I alway's viewed the Roth as one of the last ...
by TimeRunner
Wed Nov 08, 2017 12:00 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 684
Views: 114853

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

SlowMovingInvestor wrote:
Wed Nov 08, 2017 11:55 am
TimeRunner wrote:
Tue Nov 07, 2017 11:24 pm
For the smaller accounts, Schwab as of this post date: http://www.schwab.com/public/schwab/nn/ ... d_sps.html
That's only for Stock Plan Services people. I doubt you can make use of it as a general investor.
You're right, I missed the fine print. :oops:
by TimeRunner
Tue Nov 07, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 75
Views: 18829

Re: WSJ Digital Subscription - a bargain!

There seems to be a pretty big firewall between the news and editorial teams at WSJ, with the news side seemingly much less slanted. OTOH, there's been almost no coverage of the "Paradise Papers" yet, and I find that interesting.
by TimeRunner
Tue Nov 07, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 141
Views: 10113

Re: Anyone planning on getting the new Pixel phone?

soccerdad12 wrote:
Tue Nov 07, 2017 10:51 am
I do use Google Maps though on trips, but haven't done that yet to see how much data it uses.
Tip: Use Data Saver mode when driving, see: https://support.google.com/pixelphone/a ... 5392?hl=en
by TimeRunner
Mon Nov 06, 2017 10:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 118
Views: 28057

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]

Vanguard VT (Total World Stock ETF) as of 9/30/17:
Europe 21.3%
Pacific 13.8%
Emerging Markets 9.3%
North America 55.3%
Middle East 0.2%
Other 0.1%
See: https://advisors.vanguard.com/VGApp/iip ... undId=3141
by TimeRunner
Sat Nov 04, 2017 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 471
Views: 58599

Re: Quicken's future direction - a cause for concern

JBTX wrote:
Sat Nov 04, 2017 8:46 pm
There may be a better way to accomplish this but I haven’t put much thought into it.
Quicken "Tags" might work for you. Other programs (e.g. Moneydance) many also support tags, should you switch.
by TimeRunner
Fri Nov 03, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Giving up on Quicken? (and expense tracking software altogether)
Replies: 53
Views: 3587

Re: Giving up on Quicken? (and expense tracking software altogether)

If I wasn't using Quicken, I would probably have an email or text sent for each transaction so I wouldn't have to log into each account separately. A well-written phone app makes it fast and easy to browse accounts and quickly drill down to transaction details or even a check image if necessary. Th...
by TimeRunner
Fri Nov 03, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Giving up on Quicken? (and expense tracking software altogether)
Replies: 53
Views: 3587

Re: Giving up on Quicken? (and expense tracking software altogether)

If I wasn't using Quicken, I would probably have an email or text sent for each transaction so I wouldn't have to log into each account separately. A well-written phone app makes it fast and easy to browse accounts and quickly drill down to transaction details or even a check image if necessary. Th...