Search found 989 matches

by TimeRunner
Wed Apr 26, 2017 9:14 pm
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 130
Views: 17311

Re: Why not add a "like" button to Boglehead posts?

JupiterJones wrote:
2015 wrote:But my response applies equally to any sort of "voting" function such as "likes".


+1
I see what you did there. :happy
by TimeRunner
Tue Apr 25, 2017 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Los Angeles house buying
Replies: 30
Views: 2378

Re: Los Angeles house buying

I've bought three houses in Cali VHCOL areas over the years, typically costing at 8+ times annual salary. I wouldn't blink at 2 or 3. That's assuming you're willing to stay there for the long haul if you bought near a peak (say 2007) and had to outlast a dip. Also, tax-wise, Prop 13 helps in the lon...
by TimeRunner
Mon Apr 24, 2017 8:20 pm
Forum: Investing - Theory, News & General
Topic: Passive and Active, All the Time?
Replies: 15
Views: 1341

Re: Passive and Active, All the Time?

But, I would ask why one would think, if successful active management was predictable, the successfully active managers would be the ones working retail funds and not the more lucrative institutional money. If anything, I would think it is less likely for active funds to outperform then active inst...
by TimeRunner
Mon Apr 24, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited individual corporate bonds: hold to maturity?
Replies: 13
Views: 1941

Re: Inherited individual corporate bonds: hold to maturity?

Awesome, thank you both. May this thread help others too. :beer
by TimeRunner
Mon Apr 24, 2017 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited individual corporate bonds: hold to maturity?
Replies: 13
Views: 1941

Re: Inherited individual corporate bonds: hold to maturity?

I woke up this old thread because it's the closest to a related question I have for which I did not find an answer here or Googling. If one holds individual corporate and/or muni bonds, what exactly happens when they mature. For example, $5,000 school district bond matures Dec 1, 2017. What does the...
by TimeRunner
Sun Apr 23, 2017 10:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: The next generation of Boglehead authors
Replies: 37
Views: 2444

Re: The next generation of Boglehead authors

The future is Robo - Mo' robo (and more global, and conversely more tribal.)
by TimeRunner
Sat Apr 22, 2017 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Market Neutral Fund
Replies: 11
Views: 1678

Re: Vanguard's Market Neutral Fund

I just stumbled into looking at this. What a strange beast, and S&P 500 is kicking its butt.
by TimeRunner
Fri Apr 21, 2017 6:34 pm
Forum: Investing - Theory, News & General
Topic: White Gold ??? [question about newletter claim]
Replies: 21
Views: 1440

Re: White Gold ???

It's probably frozen dihydrogen monoxide. 8-)
by TimeRunner
Thu Apr 20, 2017 8:57 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodby."
Replies: 326
Views: 32905

Re: Larry Swedroe says "Goodby."

I always read Larry's posts, and learned (or tried to learn) from them. Larry, you'll be missed. Thank you for your years of service to this community.
by TimeRunner
Wed Apr 19, 2017 10:36 pm
Forum: Investing - Theory, News & General
Topic: Transfer to Fidelity for Sign on Bonus?
Replies: 22
Views: 1854

Re: Transfer to Fidelity for Sign on Bonus?

I got $600 for my Roth IRA transfer. It's covered the cost of a few trades ($4.95 each) and the rest was just added to the balance. It was a bonus, not a prime motivator. Fido's been easy to work with as far as paperwork, transfers, notary on site, etc. Overall I'm pleased.
by TimeRunner
Wed Apr 19, 2017 8:52 pm
Forum: Investing - Theory, News & General
Topic: Those that hold international equities at market-cap weight: what is your method?
Replies: 24
Views: 2218

Re: Those that hold international equities at market-cap weight: what is your method?

VT for equities, TSP G fund for bond allocation. At least, "in a perfect world...". The reality is I have some legacy holdings of VTIAX, VEMAX, VTSAX, GOOG, GOOGL, and I keep some 2nd-tier 'cash' in VCADX (Intermediate Tax-Exempt Calif Admiral). As I need to spend and donate to charity, I'...
by TimeRunner
Wed Apr 19, 2017 8:43 am
Forum: Investing - Theory, News & General
Topic: Article-Argument against Buffet and Bogle's International Advice
Replies: 36
Views: 4019

Re: Article-Argument against Buffet and Bogle's International Advice

I just float along using Vanguard Total World. As of the end of last month, it was US 53.3%, the rest International. That number moves a fraction up/down each month. I never worry about market timing or rebalancing. :beer
by TimeRunner
Tue Apr 18, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: Medical Alert Services
Replies: 11
Views: 765

Re: Medical Alert Services

My Mom's using Philips Lifeline. Their website has had development issues, but the equipment has worked and those on the notification list were called when her fall was detected. Here's another thread: viewtopic.php?t=204967
by TimeRunner
Sun Apr 16, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: New phone..any advantages to buying at Costco?
Replies: 24
Views: 2986

Re: New phone..any advantages to buying at Costco?

Check out Google's Project Fi: https://fi.google.com/about/

Good plan, good phones.
by TimeRunner
Fri Apr 14, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Problems with oil pans and plugs for Honda Odyssey
Replies: 51
Views: 2449

Re: Problems with oil pans and plugs for Honda Odyssey

http://i800.photobucket.com/albums/yy283/YachtRocked/oildeflector-element.jpg A great use of $20 for a Honda Oil Deflector (in this case for a Honda Element) that uses a magnet to hold it in place during an oil change to keep oil from the oil filter off the subframe and direct it to the drain pan. ...
by TimeRunner
Thu Apr 13, 2017 4:36 pm
Forum: Investing - Theory, News & General
Topic: Wealthfront: Why we avoid Blackrock ETFs
Replies: 24
Views: 3684

Re: Wealthfront: Why we avoid Blackrock ETFs

Ameritrade has VT commission-free. Alternately, if this is a tax-advantaged account, you could buy equal amounts of ITOT and IXUS throughout the year, then wait 30 days from your last trade and sell your entire ITOT and IXUS holdings commission-free and use the proceeds plus whatever you would have...
by TimeRunner
Thu Apr 13, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: Wealthfront: Why we avoid Blackrock ETFs
Replies: 24
Views: 3684

Re: Wealthfront: Why we avoid Blackrock ETFs

I hold a lot of VT ETF (Vanguard Total World Stock) at Fidelity. Fido offers Blackrock's iShares ACWI (iShares MSCI ACWI ETF) as a no-commission fee alternative, but even just looking at the expense ratio alone, it's better for me to pay $4.95 trading fee to purchase additional blocks of VT there. E...
by TimeRunner
Wed Apr 12, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Problems with oil pans and plugs for Honda Odyssey
Replies: 51
Views: 2449

Re: Problems with oil pans and plugs for Honda Odyssey

Another advantage of DIY is not having to deal with the stupid upsell tactics of the oil change industry. "Hey, just to show you, here's your air filter. Looks like you might change it yourself, because it's so clean - other than where I put my oily hand on it. Um, I'll put it back."
by TimeRunner
Tue Apr 11, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Extreme Frugality vs Living Life - Where do you draw the line?
Replies: 77
Views: 8362

Re: Extreme Frugality vs Living Life - Where do you draw the line?

We live close to the beach on a 7,000-something square foot lot in a cottage in a small beach town. The previous owner built property line fences with non-pressure treated posts. All the fences are falling over, and full of termites. Although I have the skills to remove the old fence and build anew,...
by TimeRunner
Mon Apr 10, 2017 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Handling the Details of a Large Inheritance
Replies: 54
Views: 4503

Re: Handling the Details of a Large Inheritance

Re Pentair: From Oct 1, 2012 article: "More than a year after its board of directors approved a move to split the company into three separate companies, Tyco officially announced on Monday that it has completed the separation transaction. These new independently traded companies include: ADT, ...
by TimeRunner
Mon Apr 10, 2017 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Handling the Details of a Large Inheritance
Replies: 54
Views: 4503

Re: Handling the Details of a Large Inheritance

Re Pentair: From Oct 1, 2012 article: "More than a year after its board of directors approved a move to split the company into three separate companies, Tyco officially announced on Monday that it has completed the separation transaction. These new independently traded companies include: ADT, t...
by TimeRunner
Mon Apr 10, 2017 11:02 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 178
Views: 26979

Re: Improving the TSP [for current participants]

Remember it took the TSP Board about 4? years to implement Roth TSP once authorized. If approved, these changes may not come quickly! Right. My current thinking is to do a partial withdrawal of almost all TSP funds, keeping a placeholder behind, then using the years between retirement and SS to do ...
by TimeRunner
Thu Apr 06, 2017 9:56 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 178
Views: 26979

Re: Improving the TSP [for current participants]

Perhaps our letters and comments have had some effect. Check this fresh news: https://www.fedsmith.com/2017/04/06/legislation-expand-tsp-withdrawal-options/ See also Senator Rob Portman's press release: https://www.portman.senate.gov/public/index.cfm/press-releases?ID=C8374D4A-485C-4E49-B6CB-E727797...
by TimeRunner
Thu Apr 06, 2017 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: traditional and Roth TSP asset allocation
Replies: 18
Views: 1078

Re: traditional and Roth TSP asset allocation

So G fund is more like money market rather than bond. Why is it preferred over F? The recommendation "if you want bond, put all in G" sounds like replacing bond with money market. It is not more like a money market fund. Here, read this: http://noroboinvestor.com/why-the-g-fund-is-special/
by TimeRunner
Wed Apr 05, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: How best to handle disrespectful employee?
Replies: 40
Views: 3529

Re: How best to handle disrespectful employee?

Put him on a performance improvement plan. This will also document performance should he fail to improve and you need to ultimately let him go. See, for example: https://www.shrm.org/resourcesandtools/tools-and-samples/how-to-guides/pages/performanceimprovementplan.aspx One of my favorite sayings: &...
by TimeRunner
Wed Apr 05, 2017 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly entered two comma club
Replies: 44
Views: 6877

Re: Secretly entered two comma club

Congratulations! :beer
by TimeRunner
Sun Apr 02, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 297
Views: 27040

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

Good report, LadyGeek! I assume you found the extensions that will enable quotes download, etc. Very handy. https://infinitekind.com/extensions

I am also looking forward to dropping Quicken.
by TimeRunner
Sat Apr 01, 2017 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 297
Views: 27040

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

Moneydance isn't as evolved, but it doesn't have these issues. I'm still running it in parallel, but I do think I could drop Quicken and be mostly happy with it.
by TimeRunner
Mon Mar 27, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 95
Views: 7721

Re: Best take it everywhere camera

Google Pixel XL. Great camera, with the added bonus of being a very nice Android phone kept up-to-date by Google, and using Project Fi for excellent voice/data experience. Switched to it from an iPhone and haven't looked back.
by TimeRunner
Mon Mar 27, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have enough? How I realized yeah I do.
Replies: 75
Views: 12187

Re: Do you have enough? How I realized yeah I do.

Now, if only I had a crystal ball for the health industry landscape...that's our biggest cost and biggest worry, even though both of us are blessed with good health. You have control over that too. You don't have to do the standard American spiral down into abysmal health and disease. Ill health is...
by TimeRunner
Tue Mar 21, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: How to harmonize a TSP and a Vanguard portfolio
Replies: 9
Views: 598

Re: How to harmonize a TSP and a Vanguard portfolio

Use the TSP G fund for all your tax-deferred bond money, and your VG account for equities. Best of both worlds.
by TimeRunner
Tue Mar 21, 2017 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: What safe investment vehicle has the highest yield right now?
Replies: 22
Views: 3004

Re: What safe investment vehicle has the highest yield right now?

Add to your Vanguard fund every couple of weeks like clockwork. Thank me in 20 years. :D
by TimeRunner
Mon Mar 20, 2017 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Using Turbo Tax for quarterly tax estimates for 2017
Replies: 21
Views: 1233

Re: Using Turbo Tax for quarterly tax estimates for 2017

Not to close the thread if there's anything else to add, but just a Thank You to those who provided the responses. :beer
by TimeRunner
Mon Mar 20, 2017 9:14 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 178
Views: 26979

Re: Improving the TSP [for current participants]

Gave Fido my TSP-77 form today in person. 100% in G fund as of last Friday, which is skewing my overall asset allocation for the next few weeks (up to six? urgh) it will take to move the TIRA and Roth from TSP to Fido. In the meantime, each day it's in the G fund adds $100-something to my overall TS...
by TimeRunner
Fri Mar 17, 2017 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 297
Views: 27040

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

I'm simply using institutions that support OFX downloading (e.g. Vanguard, Fidelity, USAA) to avoid Quicken download lock-in. Quicken's biggest advantage over competitors IMO is a few decades of minor improvements (software maturation) in actions like entering a transaction or drilling down into one...
by TimeRunner
Fri Mar 17, 2017 8:22 pm
Forum: Personal Consumer Issues
Topic: Autonomous Vehicles and Drone Deliveries
Replies: 31
Views: 1877

Re: Autonomous Vehicles and Drone Deliveries

My feeling is that long distance trucking, particularly in the Western US, will be rapidly automated. I envision large driver depots on the major highway outskirts of major cities (e.g. Grapevine CA, Barstow, CA) where drivers who have picked up loads from major cities (e.g. greater Los Angeles) dri...
by TimeRunner
Fri Mar 17, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Using Turbo Tax for quarterly tax estimates for 2017
Replies: 21
Views: 1233

Re: Using Turbo Tax for quarterly tax estimates for 2017

I'm new at this too. If you use TT2016 to estimate quarterly tax payments for 2017, is there a place you input income by quarter if you know it is going to vary between quarters? Also, can you use the State TT for 2016 to model 2017 as well? TIA.
by TimeRunner
Fri Mar 17, 2017 4:45 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 178
Views: 26979

Re: Improving the TSP [for current participants]

TimeRunner Use the TSP-90 form if you are a Beneficiary Participant Account. In Section II line 10 you can specify a $ amount versus a %. I'm not so I need to use TSP-77 for this partial withdrawal. The $ amount is the amount of withdrawal. As I said, there's no way to specify "withdraw ALL BU...
by TimeRunner
Fri Mar 17, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 178
Views: 26979

Re: Improving the TSP [for current participants]

I retired Dec 2016 and have started the process this week to withdraw all but a placeholder in the TSP so that I have the option of returning if/when TSP improves withdrawal options, allows different holdings for Roth and TIRA, etc. For partial withdrawals, TSP Form-77 asks the total withdrawal amou...
by TimeRunner
Thu Mar 16, 2017 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 4774

Re: Fidelity vs. Vangard?

Moved my IRAs from VG to Fido because they have an office within a half hour drive, which can do notary signatures, medallion guarantee signatures, and in-person service should that need arise. They also have a better website and mobile app. I simply did an asset-in-kind transfer of VG ETFs, no buyi...
by TimeRunner
Thu Mar 16, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 297
Views: 27040

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

Here's a potential security issue that Quicken (and Mint) have, which is another reason I'm running Moneydance in parallel with Quicken 2016 and learning it in the hopes of cutting over soon: https://infinitekind.com/blog/online-banking-privacy-security From that blog link above: "Not all banks...
by TimeRunner
Wed Mar 15, 2017 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 4774

Re: Fidelity vs. Vangard?

Many have an opinion on this. Here's one Google search that turns up many threads:
https://www.google.com/search?sitesearc ... s+fidelity
by TimeRunner
Wed Mar 15, 2017 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: converting from tira to roth - think I'm learning but have a question
Replies: 5
Views: 388

Re: converting from tira to roth - think I'm learning but have a question

You should also take a look at I-ORP (Optimal Retirement Planner) at https://www.i-orp.com/ORPhome.html . Try the full planner if you don't like the assumptions on this short version. You can play with Roth IRA conversions at various tax brackets and see if one or multi-year conversions are suggeste...
by TimeRunner
Wed Mar 15, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 297
Views: 27040

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

On a tangent note, I've been unable to download account info from HSA Bank for a couple of weeks - Quicken 2016 errors with "Bad password" and freezes. I contacted HSA Bank today and was told that they no longer support Quicken downloads, and that they did not renew their license. FWIW. P...
by TimeRunner
Wed Mar 15, 2017 2:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: "Important: We've been unable to reach you by email"
Replies: 36
Views: 3643

Re: Vanguard: "Important: We've been unable to reach you by email"

I contacted VG about it the other day and they basically wrote back that they were aware they were having issues with sending false warnings and they were working to address it. That doesn't mean I would ignore it in the future, but I have been getting VG emails just fine both before and after recei...
by TimeRunner
Wed Mar 15, 2017 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 8127

Re: Do you avoid international investing like Jack Bogle?

Corporations located in countries outside the USA trade with each other, without necessarily involving the USA. There's value to me in participating in that commerce via broad index International stock ownership.
by TimeRunner
Wed Mar 15, 2017 2:20 pm
Forum: Investing - Theory, News & General
Topic: Who has the cheapest funds? It’s more complicated than you think
Replies: 27
Views: 2967

Re: Who has the cheapest funds? It’s more complicated than you think

Quick amusing Aspirin backstory: It's 81mg because the foundational study was done by cutting a regular 375mg tablet in quarters. No one spent the money to test 91 vs 81, etc. :D
by TimeRunner
Wed Mar 15, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 297
Views: 27040

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

On a tangent note, I've been unable to download account info from HSA Bank for a couple of weeks - Quicken 2016 errors with "Bad password" and freezes. I contacted HSA Bank today and was told that they no longer support Quicken downloads, and that they did not renew their license. FWIW.
by TimeRunner
Tue Mar 14, 2017 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 8127

Re: Do you avoid international investing like Jack Bogle?

All in: VT and ACWI. If you're going to be a Boglehead, be all in. :beer

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