Search found 752 matches

by TimeRunner
Tue Aug 23, 2016 6:31 pm
Forum: Investing - Theory, News & General
Topic: "How to Tell if Your Retirement Nest Egg Is Big Enough"
Replies: 11
Views: 2721

Re: "How to Tell if Your Retirement Nest Egg Is Big Enough"

I'm glad Taylor posted (re-posted?) this - it spurred me to reduce overall from 70/30 to 66.6/33.3, which doesn't sound like much, but it is, at least in my neighborhood. IPS revision duly noted. Thanks Taylor and Doc B. Looking forward to retiring 12/30/16. :beer
by TimeRunner
Tue Aug 23, 2016 10:56 am
Forum: Investing - Help with Personal Investments
Topic: TIPs, I've read the posts, still confused
Replies: 20
Views: 873

Re: TIPs, I've read the posts, still confused

Deleted. See Nedsaid's answer above.
by TimeRunner
Mon Aug 22, 2016 9:52 pm
Forum: Personal Consumer Issues
Topic: Honeymoon - Alaska or Greece
Replies: 22
Views: 1429

Re: Honeymoon - Alaska or Greece

Sheepdog said it all. Wish there was a like button. :beer
by TimeRunner
Sun Aug 21, 2016 9:45 pm
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 86
Views: 5838

Re: Improving the Bogleheads forum

I would like a feature to either bookmark, notify, or subscribe to a post (which presumably becomes a thread) AUTOMATICALLY based on OP. While you can't do it automatically, you can create a bookmarked search. Click on the wheel next to the search bar to go to the advanced search; you can then sear...
by TimeRunner
Sun Aug 21, 2016 7:30 pm
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 86
Views: 5838

Re: Improving the Bogleheads forum

I would like a feature to either bookmark, notify, or subscribe to a post (which presumably becomes a thread) AUTOMATICALLY based on OP. For example, I would subscribe to postings by: Jack Bogle Bill Bernstein Christine Benz Rick Ferri Allan Roth Mike Piper Taylor Larimore Laura Dogu Mel Lindauer La...
by TimeRunner
Sun Aug 21, 2016 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Seemingly Too Good To Be True Investment Opportunity: Invest or Don't?
Replies: 84
Views: 5774

Re: Seemingly Too Good To Be True Investment Opportunity: Invest or Don't?

As others have advised, walk away. You said: " (ie he buys in bulk from bestbuy when on sale)". So he isn't even buying what he's selling at wholesale, he's buying it retail "on sale", and then paying overhead to store it, handle it, and ship it to Amazon. Well, there *is* a suck...
by TimeRunner
Sun Aug 21, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: Best Crossover SUV to purchase
Replies: 118
Views: 9845

Re: Best Crossover SUV to purchase

LAlearning wrote:3 pages and we haven't bought anything yet?! :oops:
Perhaps the journey is the reward.
by TimeRunner
Sat Aug 20, 2016 9:29 pm
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 86
Views: 5838

Re: Improving the Bogleheads forum

Things like whatever you wash your car by yourself or not are absolutely not part of the reason this forum was conceived. In my view it degrades the excellent input of many on investments. The thread on instant vs "regular" oatmeal is one I am happy to ignore. https://www.bogleheads.org/f...
by TimeRunner
Sat Aug 20, 2016 9:21 pm
Forum: Personal Consumer Issues
Topic: Cell phone data plans
Replies: 58
Views: 5176

Re: Cell phone data plans

Anyone have experience with Google's Project Fi? https://fi.google.com/about/?u=0 New code-name Sailfish and Marlin Nexus phones due next month. Some very nice features....
by TimeRunner
Fri Aug 19, 2016 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding I-orp Logic
Replies: 21
Views: 1871

Re: Understanding I-orp Logic

The big difference between Bigfoot48's RPM and Welch's ORP is that the former is a modeler and the latter an optimizer. In RPM you have to decide how much to pull from after-tax (money subject to Cap Gains, etc), tax-deferred, or Roth IRA accounts, and how much you want to spend. IORP will optimize ...
by TimeRunner
Wed Aug 17, 2016 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Keep working and how much beach house?
Replies: 30
Views: 2890

Re: Keep working and how much beach house?

We rented a condo across the street from the beach for about two years. It was nice to drift off to sleep at the sound of the surf. OTOH, we knew that a tsunami would take us out, and as mentioned upthread, the salt air is extremely corrosive. The phone and cable TV connections from the pole to the ...
by TimeRunner
Wed Aug 17, 2016 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: FERS Social Security Supplement
Replies: 6
Views: 587

Re: FERS Social Security Supplement

Very interesting question. Bottom-line is, I agree with alisa4804's answer. Of lesser importance, some Google-Fu also pulled up this article: http://www.divorcemag.com/articles/federal-pensions-in-divorce . Note the LAST comment below the article. Sounds like another person was affected by this issu...
by TimeRunner
Wed Aug 17, 2016 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Help. My boss is expecting me to read her mind.
Replies: 53
Views: 3365

Re: Help. My boss is expecting me to read her mind.

Does any written or published guidance speak to this? If you can't find it, tell the boss you looked for guidance, couldn't find it, and would like to know where it is so you can consult it. If there isn't any, then unless the boss can tell you what guidance to follow, there's something else going on.
by TimeRunner
Wed Aug 17, 2016 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Feedback on Donor Advised Fund allocation
Replies: 10
Views: 518

Re: Feedback on Donor Advised Fund allocation

We do 75% US Equity, 25% International, and just fund equally from both, and don't rebalance since we're talking low one-comma figures. Basically it's too small to bother with, IMO.
by TimeRunner
Tue Aug 16, 2016 1:42 pm
Forum: Personal Consumer Issues
Topic: Best Crossover SUV to purchase
Replies: 118
Views: 9845

Re: Best Crossover SUV to purchase

Since the door appears to be open to anything, why not the new Jaguar SUV? http://www.wsj.com/articles/jaguar-gets-into-the-suv-game-at-long-last-1470935568 :P Not sure whether these Jaguar F-Pace SUV are reliable & cost is affordable Sorry, it wasn't a serious suggestion. Seriously, my two cen...
by TimeRunner
Mon Aug 15, 2016 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: USAA worth it?
Replies: 23
Views: 2835

Re: USAA worth it?

I'm happy with a USAA checking account that has mobile deposit, decent mobile app, and works without a fuss. I have home insurance from them, but insure vehicles with Geico for much less (as well as have umbrella liability with Geico). USAA savings and CD rates are anemic.
by TimeRunner
Sat Aug 13, 2016 7:54 pm
Forum: Personal Consumer Issues
Topic: Best Crossover SUV to purchase
Replies: 118
Views: 9845

Re: Best Crossover SUV to purchase

Since the door appears to be open to anything, why not the new Jaguar SUV? http://www.wsj.com/articles/jaguar-gets ... 1470935568 :P
by TimeRunner
Fri Aug 12, 2016 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding I-orp Logic
Replies: 21
Views: 1871

Re: Understanding I-orp Logic

Same result. You can select a tax bracket cap, but if you do, the program will not run. IDK. I suggest contacting the programmer, James Welch, at orplanner@gmail.com . As it says on the report, include your "Model ID". I guess he logs each run and can look up your run by that report numbe...
by TimeRunner
Fri Aug 12, 2016 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding I-orp Logic
Replies: 21
Views: 1871

Re: Understanding I-orp Logic

has something changed that I don't understand? Just a guess, but check that new setting for Tax Bracket in Roth Conversions - it may be defaulting to something too low. The help file says: "ORP assists you with this issue with an IRA to Roth IRA conversion drop down list gives you three option...
by TimeRunner
Fri Aug 12, 2016 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: iorp question [Optimal Retirement Planner]
Replies: 6
Views: 687

Re: iorp question [Optimal Retirement Planner]

Update: I was looking around this site to see what issues and/or guidance folks had for IORP and saw this thread. It looks like the spousal income now shows up properly for all years the spouse is working - at least in the run I did. Perhaps this has been fixed.
by TimeRunner
Fri Aug 12, 2016 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding I-orp Logic
Replies: 21
Views: 1871

Re: Understanding I-orp Logic

Update: I-ORP's incorporated a new feature that permits you to select capping Roth IRA conversions at various federal tax brackets, eg 15,25,28, etc, as well as none and unlimited. See: http://www.i-orp.com . Nice improvement.
by TimeRunner
Fri Aug 12, 2016 9:00 am
Forum: Investing - Theory, News & General
Topic: Are mutual fund investors smart money?
Replies: 8
Views: 1097

Re: Are mutual fund investors smart money?

Re CALPers, yes, lots of expensive and unproductive investments. But they could invest in pallets of tuna fish cans and the CA taxpayers would be the hook (pun intended) to make up the difference between actual and target performance. "It has always been my private conviction that any man who p...
by TimeRunner
Thu Aug 11, 2016 10:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 198
Views: 19927

Re: Roll Call for the Retirement Class of 2016!

OK, it's looking like 12/30/16 is my last day of work for Uncle Sam, 36.75 total years of service for one noble agency. No VERA/VISA retirement incentive offering until Q3FY17 or FY18 is the rumor, but I'm not going to hang on for that. After all, "Time > $". I'll be reviewing Victoria's f...
by TimeRunner
Thu Aug 11, 2016 6:07 pm
Forum: Investing - Theory, News & General
Topic: Are mutual fund investors smart money?
Replies: 8
Views: 1097

Re: Are mutual fund investors smart money?

The small investor certainly seems smarter than pension fund managers like CalPERS, that "reported a preliminary 0.61 percent net return on investments for the 12-month period that ended June 30, 2016. CalPERS assets at the end of the fiscal year stood at more than $295 billion and today stands...
by TimeRunner
Wed Aug 10, 2016 8:55 pm
Forum: Personal Consumer Issues
Topic: Should I get a different cassette for my road bicycle? Currently 11-23
Replies: 40
Views: 1713

Re: Should I get a different cassette for my road bicycle? Currently 11-23

Based on the age of your bike I would say that the teeth on the chainring and cassette are probably worn down (shark's teeth look) and need replacing even if you don't change the size. This. Take your bike to a competent road bike shop and let them re-gear you. We use 12-27s here which work great e...
by TimeRunner
Wed Aug 10, 2016 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: SSA painless experience!?
Replies: 5
Views: 819

Re: SSA painless experience!?

Dash a note off to your Congressional representative. I've told our IT folks a few times that no one ever writes their electric company thanking them for their years of reliable service. The company only hears from customers when something's wrong. Such is the life of Operations (no longer mine, tha...
by TimeRunner
Wed Aug 10, 2016 1:42 pm
Forum: Personal Consumer Issues
Topic: Best Crossover SUV to purchase
Replies: 118
Views: 9845

Re: Best Crossover SUV to purchase

To the OP, you've got a nice list of features, but haven't addressed your use cases. You want a five seater with cargo space similar to a CRV but then say maybe a seven seater. You might want to elaborate on what you are using this SUV for, how often, etc. Are you considering a larger size vehicle f...
by TimeRunner
Sun Aug 07, 2016 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: Sell my Apple stock?
Replies: 45
Views: 3730

Re: Sell my Apple stock?

When you look at Apple's new HQ, latest video here: https://www.youtube.com/watch?v=1F6PFRxvu_0 ...do you think, wow, what are all the employees that are going to be working in those buildings going to be inventing and producing, or wow, what a huge monument of waste for a company that seems to be a...
by TimeRunner
Sun Aug 07, 2016 10:56 pm
Forum: Personal Consumer Issues
Topic: Advice on visit to Yosemite
Replies: 34
Views: 2512

Re: Advice on visit to Yosemite

Morning is better than evening. Smog and farm and urban particulates from the Central Valley blow into the park and peak in mid/late PM. Early to bed, early to rise for best photo opportunities.
by TimeRunner
Fri Aug 05, 2016 8:17 pm
Forum: Personal Consumer Issues
Topic: Heart rate monitors
Replies: 22
Views: 1126

Re: Heart rate monitors

I probably went thru 5 Garmin 305's for running and cycling. (I even cracked one open and filled it with silicon sealant to keep it going another year.) Finally switched to a Suunto ("Sun Toe", made in Finland) Ambit3 Vertical for swim, bike, run stuff. Pretty happy with it. High quality b...
by TimeRunner
Fri Aug 05, 2016 8:08 pm
Forum: Personal Consumer Issues
Topic: Suckered into Marriott Kauai Timeshare Presentation
Replies: 98
Views: 9804

Re: Suckered into Marriott Kauai Timeshare Presentation

I love this thread. Sitting thru a timeshare presentation is the LAST thing I'd want to do on vacation, but I certainly know people (I'm looking at you, Irwin) who would totally do that for a couple of sawbucks worth of dinners and a hula show. I don't get it, but it's fun to read about strategies t...
by TimeRunner
Wed Aug 03, 2016 11:08 am
Forum: Personal Consumer Issues
Topic: lab fees /w HSA
Replies: 7
Views: 541

Re: lab fees /w HSA

Was your lab in-network? If so, you should be paying the negotiated fee. You find out by doing a search off the provider services page: https://www.geha.com/faqs-and-resources/provider-search and, as it says, "To find an in-network lab, click the Other Services Search button above. " You a...
by TimeRunner
Sat Jul 30, 2016 8:35 pm
Forum: Personal Consumer Issues
Topic: New Tipping Practice?
Replies: 130
Views: 6256

Re: New Tipping Practice?

How do you know the tip on a credit card receipt or iPad screen (Square, etc) really goes to the staff? I would think the person in charge would be tempted to not pass along 100% to the staff, which means you're tipping the owner who pays the staff...who pays the staff maybe less than s/he could bec...
by TimeRunner
Sat Jul 30, 2016 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving "on or before work anniversary" and golden handcuffs
Replies: 30
Views: 4776

Re: Leaving "on or before work anniversary" and golden handcuffs

Ecclesiastes IX - "A living dog is better than a dead lion." Modern translation: https://youtu.be/FFrag8ll85w :beer
by TimeRunner
Fri Jul 29, 2016 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 167
Views: 12812

Re: SSA MANDATORY cell phone based multifactor authentication

The NIST decision to disallow SMS-based 2FA is significantly because they don't consider VoIP, such as Google Voice, a secure second factor. Please take a look at the article NIST is no longer hot for SMS-based two-factor authentication referenced earlier in this thread. Victoria Yup, I get it. My ...
by TimeRunner
Fri Jul 29, 2016 6:03 pm
Forum: Personal Consumer Issues
Topic: Never owned a cell phone.
Replies: 41
Views: 1888

Re: Never owned a cell phone.

Maybe i will get one? I just do not use a telephone much and do not want to text anyone. My SS check has gone to my bank for 10 years and I never contact SS. I wish there was a bigger cell phone, also it would be nice if one could pay more for unexpired minutes. Perhaps something like: https://www....
by TimeRunner
Fri Jul 29, 2016 5:58 pm
Forum: Personal Consumer Issues
Topic: google sheets - so frustrating...
Replies: 26
Views: 2255

Re: google sheets - so frustrating...

Google sheets (and the larger universe of Google docs) users may find this official blog useful. You can subscribe via RSS reader as well:
https://docs.googleblog.com/
by TimeRunner
Fri Jul 29, 2016 1:23 pm
Forum: Personal Consumer Issues
Topic: Best/most effective home BP monitor
Replies: 24
Views: 992

Re: Best/most effective home BP monitor

At the risk of having the wrath of the moderators, how about saving your money and NOT buying one? http://www.kevinmd.com/blog/2015/11/is-routine-home-blood-pressure-monitoring-really-such-a-good-idea.html Dr K is really railing against stupid patients, and you can't fix stupid. But a patient being...
by TimeRunner
Fri Jul 29, 2016 9:34 am
Forum: Personal Consumer Issues
Topic: google sheets - so frustrating...
Replies: 26
Views: 2255

Re: google sheets - so frustrating...

Google sheets is pretty powerful. Take a look at the functions in the support link I posted upthread. :idea:
by TimeRunner
Thu Jul 28, 2016 6:29 pm
Forum: Personal Consumer Issues
Topic: google sheets - so frustrating...
Replies: 26
Views: 2255

Re: google sheets - so frustrating...

Are you using Chrome browser? (IDK if that makes a difference, but it's worth a shot.) Function help: https://support.google.com/docs/table/25273?hl=en
by TimeRunner
Thu Jul 28, 2016 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 167
Views: 12812

Re: SSA MANDATORY cell phone based multifactor authentication

You don't need a cell phone to get texts, you just need a phone number and and internet connection. You can get a google voice number for free and get texts over the web, or have the texts sent directly to your email. https://www.google.com/googlevoice/about.html I tried this, and it works. Text ca...
by TimeRunner
Wed Jul 27, 2016 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Premium increase for federal employee long term care insurance
Replies: 59
Views: 4298

Re: Premium increase for federal employee long term care insurance

Not to sidetrack the thread too far, but if you are not familiar with Hospice care, here's a recent article about a Hospice care nurse and some of her patients: http://www.newyorker.com/magazine/2016/ ... pice-nurse

No subscription required to read AFAIK.
by TimeRunner
Wed Jul 27, 2016 1:02 pm
Forum: Personal Consumer Issues
Topic: is this wise? purchasing honda cbr 250r
Replies: 59
Views: 2638

Re: is this wise? purchasing honda cbr 250r

Enjoy the 250. One well-worn saying you may not have heard is "It's more fun to ride a slow bike fast than a fast bike slow." Insurance and maintenance will be cheaper too, especially when you drop it and have to replace a mirror, grip, and/or foot peg. :wink:
by TimeRunner
Tue Jul 26, 2016 8:34 pm
Forum: Personal Consumer Issues
Topic: Gas grill recommendations please
Replies: 52
Views: 2255

Re: Gas grill recommendations please

Weber Genesis we use probably four nights a week. A few minor part replacements like flavor bars. Parts easily available, some third party parts are as good or better than original (e.g. Texas BBQ cover from Amazon). Got chicken on the grill as I type this - it's grilled chicken salad night. :)
by TimeRunner
Tue Jul 26, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Premium increase for federal employee long term care insurance
Replies: 59
Views: 4298

Re: Premium increase for federal employee long term care insurance

I'm all for Hospice, I just want to avoid hopeless LTC nursing home style, so yes, I do hope to live large and die quickly. A man can dream. :wink: On a more useful note, an article of interest (7/26/16) to those currently enrolled in FLTCIP: Most long-term insurance care enrollees are eligible for ...
by TimeRunner
Sun Jul 24, 2016 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Premium increase for federal employee long term care insurance
Replies: 59
Views: 4298

Re: Premium increase for federal employee long term care insurance

I may just have to stop going to the gym so I won't live so long! :( Keep going to the gym. I think the answer for me is to not live in Long Term Care so long. I'd rather have no policy and die quickly than a long policy and live a physically and/or mentally debilitated life...but that's just me. Y...

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