Search found 657 matches

by TimeRunner
Sat May 28, 2016 10:07 pm
Forum: Personal Consumer Issues
Topic: Is there such thing as easy load front load washer/dryer?
Replies: 30
Views: 1766

Re: Is there such thing as easy load front load washer/dryer?

Or a washer and dryer in the same box: http://www.lg.com/us/washer-dryer-combo ... ryer-combo

(I have no experience with this but my long dead grandma had something like this years ago.)
by TimeRunner
Mon May 23, 2016 2:49 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 113
Views: 16629

Re: Improving the TSP [for current participants]

Saw this article today: TSP Board Still Seeking Lawmaker to Sponsor Its Proposal to Ease Withdrawals Quote: "Despite receiving approval from the Senate-confirmed overseers last year, Thrift Savings Plan officials are still seeking a champion in Congress to sponsor legislation that would make it...
by TimeRunner
Mon May 02, 2016 10:03 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 113
Views: 16629

Re: Improving the TSP [for current participants]

I'm now resigned to the notion that when I retire from federal service, I'll withdraw all but a few hundred dollars (< $500) from my TSP account (currently > $1.4 million) and move it to Vanguard traditional and Roth IRAs.... MichDad My plan too, starting in early 2017. By leaving the account open,...
by TimeRunner
Thu Apr 28, 2016 8:40 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine & Website
Replies: 99
Views: 5739

Re: What's become of Consumer Reports?

If they just tested cars and appliances, and perhaps Obamacare and other core services, with at least a $500 minimum cost for capital goods, they could streamline their work, cut their staff, and still produce a product that consumers would want to subscribe to. They could eliminate the printed copi...
by TimeRunner
Mon Apr 25, 2016 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Government vs Private sector employment
Replies: 32
Views: 2277

Re: Government vs Private sector employment

One downer for Fed employment I'm seeing is in IT tech. Our IT tech folk joined the gov to do significant make-a-diff IT work in support of agency Mission. They've been hornswoggled lately into FITARA, Federal IT Acquisition Reform Act focus...where a big chunk of their time is now learning acquisit...
by TimeRunner
Mon Apr 25, 2016 10:12 pm
Forum: Personal Consumer Issues
Topic: Best drill/driver for home use
Replies: 67
Views: 4459

Re: Best drill/driver for home use

+1 Texasdiver. Really like Makita. You could pound nails with the back of the 18-v hammer/drill. The circ saw and recip saw are fine tools. Toss the freebie flashlight. ;-)
by TimeRunner
Sun Apr 24, 2016 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2014 just starting asking for "Intuit ID Password"
Replies: 16
Views: 1091

Re: Quicken 2014 just starting asking for "Intuit ID Password"

If you're on a Mac, Banktivity gets better and better.
by TimeRunner
Mon Apr 11, 2016 9:49 pm
Forum: Personal Consumer Issues
Topic: Great Deal on Quicken 2016 Home & Business
Replies: 13
Views: 1181

Re: Great Deal on Quicken 2016 Home & Business

WhyNotUs wrote:Intuit is selling quicken, thank god. They have run a good product into the ditch.


Already been sold, to H.I.G. Capital, a VC firm. Announcement: https://qlc.intuit.com/questions/132811 ... -eric-dunn
by TimeRunner
Mon Apr 11, 2016 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Experience with Fidelity?
Replies: 51
Views: 3834

Re: Experience with Fidelity?

I am also interested in Fidelity. There's an office 20 minutes away from me, and it is of some comfort that, should I need to, I can actually deal face-to-face with someone. OTOH, I'm not interested in fighting off cold sales calls and upselling. I'd be a boring Spartan Fund 3 fund or Core 4 fund ac...
by TimeRunner
Wed Apr 06, 2016 1:10 pm
Forum: Investing - Theory, News & General
Topic: Baby Boomers Doubling in next 20 yrs predictions ?
Replies: 50
Views: 4062

Re: Baby Boomers Doubling in next 20 yrs predictions ?

One common Boomer vision is buying/leasing an RV or trailer and touring Parks and public lands. Even more campgrounds and sites will be full, and roads clogged with them. There will probably be more "festival" type events that cater to this cohort.
by TimeRunner
Mon Apr 04, 2016 10:34 pm
Forum: Investing - Theory, News & General
Topic: Does anyone invest in websites?
Replies: 38
Views: 3176

Re: Does anyone invest in websites?

Websites are yesterday. Invest in smartphone apps. :D
by TimeRunner
Sun Mar 27, 2016 8:51 pm
Forum: Personal Consumer Issues
Topic: Your fav [US domestic] airline - as far as flying experience?
Replies: 72
Views: 3809

Re: Your fav airline - as far as flying experience?

Hawaiian! I expect them to be grabbed by one of the big four (barring FTC intervention), so enjoy while you can. A-lo-ha!
by TimeRunner
Mon Mar 21, 2016 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Is California income tax-friendly for early retirees?
Replies: 71
Views: 6240

Re: Is California income tax-friendly for early retirees?

I've lived in California since I was 10 months old. My father was born here, my grandfather made his small fortune here after immigrating from N Russia. The SoCal music scene of the 1970s is part of my teenage/College days, as is Surfing, the beach, the foolishness and fun of youth, natural highs, e...
by TimeRunner
Thu Mar 17, 2016 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken For Mac
Replies: 21
Views: 1576

Re: Quicken For Mac

Here's some previous recent posts on this topic on this site: https://www.google.com/search?as_q=quicken+mac&as_epq=&as_oq=&as_eq=&as_nlo=&as_nhi=&lr=&cr=&as_qdr=y&as_sitesearch=bogleheads.org&as_occt=any&safe=images&as_filetype=&as_rights= Agree w...
by TimeRunner
Mon Mar 14, 2016 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: When to simplify due to cognitive decline?
Replies: 39
Views: 4353

Re: When to simplify due to cognitive decline?

Munir wrote:Agree. As a retiree, I wish Vanguard would create a Balanced Index with 40:60 allocation in addition to the current 60:40....
Perhaps Vanguard LifeStrategy Conservative Growth Fund (VSCGX)?
by TimeRunner
Mon Mar 14, 2016 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Is California income tax-friendly for early retirees?
Replies: 71
Views: 6240

Re: Is California income tax-friendly for early retirees?

Here in central coastal California, we use less than $14 a month of Water, which is about 4 units, with a unit being 100 cu ft, aka 748 gallons. However, the other charges on the bill are fixed (Basic charge, State water project, capital improvement program, meter surcharge, volume surcharge, surcha...
by TimeRunner
Sun Mar 13, 2016 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Standard Sales Tax Deduction is Miserly -- here's my way
Replies: 12
Views: 1639

Re: Standard Sales Tax Deduction is Miserly -- here's my way

A lot of my spending on items subject to sales tax is done at Amazon--I wish they would just total it up for me, but at least it is not a ton of work to look in my order history. Easy to total it up yourself. Go to: Your Account > Your Orders > Order History Reports and download your report for 201...
by TimeRunner
Sat Mar 12, 2016 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: TSP Participant Account Balances
Replies: 33
Views: 5403

Re: TSP Participant Account Balances

See also: viewtopic.php?t=135646

Like MichDad, I did it the hard way, and it crossed $1.4M on Friday...which is great since I'm retiring the end of this year, if not before.
by TimeRunner
Fri Mar 04, 2016 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]
Replies: 105
Views: 13663

Re: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]

Getting ready to stop running Quicken (on Win 10 VM on a Mac) and Banktivity in parallel, and drop Quicken. Today, Quicken 2014 prompted for an update which then failed. The Quicken support site had a thread with about a dozen folks with the same experience, and the thread had several dozen likes. S...
by TimeRunner
Tue Mar 01, 2016 11:08 pm
Forum: Personal Consumer Issues
Topic: Mac laptop vs. Windows 7 (or 10) laptop
Replies: 63
Views: 4530

Re: Mac laptop vs. Windows 7 (or 10) laptop

...deleted...

Threads like these are pointless, the longer they go the further off the rails they travel. I regret my participation in them.
by TimeRunner
Wed Feb 24, 2016 12:24 pm
Forum: Personal Consumer Issues
Topic: Can EMT's and emergency rooms really read USB pendants?
Replies: 58
Views: 4396

Re: Can EMT's and emergency rooms really read USB pendants?

I use myroadid.com along with a small rubber wrist band. It's unobtrusive, and doesn't depend on having my phone (think surfing at the beach) or other gizmo with me. Cost seems reasonable, and there's (data space for) meds, insurance, emergency contacts, passport, etc.
by TimeRunner
Thu Feb 04, 2016 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard funds not to buy according to this article
Replies: 19
Views: 3052

Re: Vanguard funds not to buy according to this article

sfchris wrote:Here is a wonderful way to defeat them at their own game:

http://bit.ly/1R375f5
Deslide - What a great idea! Thanks for sharing!
by TimeRunner
Tue Feb 02, 2016 11:52 am
Forum: Investing - Theory, News & General
Topic: Decided to try timing the market. 100% short on 9/17/15
Replies: 334
Views: 40683

Re: Decided to try timing the market. 100% short on 9/17/15

This is a fun thread, and Mr Speer's postings are fun to read - thanks for taking the time and effort to write those. :beer
by TimeRunner
Sun Jan 31, 2016 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone aware of a mortgage prepayment calculator that will do this?
Replies: 6
Views: 951

Re: Is anyone aware of a mortgage prepayment calculator that will do this?

I've been using one of his spreadsheets for the past decade to track my mortgage. Great at tracking extra payments and how it affects pay off date, interest, etc. Every time I make my monthly payment or pay extra I update the spreadsheet. You can change any of the parameters - interest rate, term, ...
by TimeRunner
Sun Jan 31, 2016 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Just not interested any more [in investing]
Replies: 42
Views: 7783

Re: Just not interested any more [in investing]

In 2008 I bought the book "Options Made Easy: Your Guide to Profitable Trading (2nd Edition) ". I'm pleased to see you can buy a hard copy for $0.01 (used) on Amazon. :D
by TimeRunner
Sun Jan 31, 2016 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone aware of a mortgage prepayment calculator that will do this?
Replies: 6
Views: 951

Re: Is anyone aware of a mortgage prepayment calculator that will do this?

I use this spreadsheet, which allows you to play with additional monthly payments (can be a different amount each month if you wish), and see the effect on time and payments: http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html , as well as track your ACTUAL monthly payment progres...
by TimeRunner
Sat Jan 30, 2016 8:54 pm
Forum: Personal Consumer Issues
Topic: Macbook replacement battery (do you get what you pay for?)
Replies: 21
Views: 1560

Re: Macbook replacement battery (do you get what you pay for?)

First choice - I would put my money toward a new laptop, as another poster said. Second choice - I have found this company to be very knowledgable and ethical on Mac products. I have bought memory, hard drives, and some odds and ends but never a battery. Give them a call. I would not buy a cheapie ...
by TimeRunner
Fri Jan 29, 2016 9:25 am
Forum: Personal Finance (Not Investing)
Topic: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]
Replies: 105
Views: 13663

Re: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]

Update for those looking at IGG Software's iBank. As of today, it's being renamed to the "Banktivity" ("bank" + "activity") suite of products. See this blog post: https://www.iggsoftware.com/blog/2016/01/banktivity-is-the-new-ibank/ . Shrug. I'm still running both Quick...
by TimeRunner
Thu Jan 28, 2016 10:59 am
Forum: Personal Consumer Issues
Topic: Water softener water overflow issue
Replies: 16
Views: 1085

Re: Water softener water overflow issue

Given that most modern softeners have CPU controlled memories, If you were shutting off the water at the source, I would leave it plugged-in and untouched. One less thing to worry about. Which brings to mind this tip: Use a surge protector on every appliance that has a CPU (typically digital displa...
by TimeRunner
Wed Jan 27, 2016 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade HSA Options
Replies: 18
Views: 1713

Re: TD Ameritrade HSA Options

It depends one what your plan has negotiated, everyone's is different... I don't know who GEHA is, but they aren't my employer :) Exactly right. My point is one can't take the 'default' info from HSABank on their website and published materials about needing to keep $5K in your account to avoid fee...
by TimeRunner
Wed Jan 27, 2016 12:17 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade HSA Options
Replies: 18
Views: 1713

Re: TD Ameritrade HSA Options

I've got HSABank and Ameritrade as well. Currently I'm keeping the $5k balance in HSABank and slowly buying TRCVX on Ameritrade. It's no fee though the ER is higher than a Vanguard fund. Will move to more cost effective funds once the balance builds up. Kazper pointed out to me in this thread (http...
by TimeRunner
Thu Jan 21, 2016 1:36 pm
Forum: Personal Consumer Issues
Topic: Water softener water overflow issue
Replies: 16
Views: 1085

Re: Water softener water overflow issue

It is unusual to have two water softeners unless you have a duplex or two water meters or the previous owner was eccentric or didn't want to replace the broken one or something, heh. Are they set up in parallel to split the load? Did you try Google-Fu? Here's a link that can help you: http://inspec...
by TimeRunner
Thu Jan 21, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: Car tire replacement
Replies: 45
Views: 3530

Re: Car tire replacement

Costco was competitive, did a good job, and for $195, replaced all four TPMS sensors. No labor charge since they changed all four tires anyways. TPMS sensors last about 7 years, so OP's not due, but just providing that info for others. $195 is a reasonable price for 4 TPMS sensors. You can buy 4 OE...
by TimeRunner
Wed Jan 20, 2016 9:28 pm
Forum: Personal Consumer Issues
Topic: Filled up brand new minivan with DIESEL?? We don't think so. Next steps, need input ASAP
Replies: 113
Views: 11581

Re: Filled up brand new minivan with DIESEL?? We don't think so. Next steps, need input ASAP

In my 20's, I was an emergency responder. The rule was if the tank was less than 1/2 full, you had to fill it at the start of your shift. That habit carried over into personal life, as well as parking backed-in so I could leave in a hurry. Old habits are hard to break, and I see no reason to break t...
by TimeRunner
Wed Jan 20, 2016 8:30 pm
Forum: Personal Consumer Issues
Topic: Car tire replacement
Replies: 45
Views: 3530

Re: Car tire replacement

Costco was competitive, did a good job, and for $195, replaced all four TPMS sensors. No labor charge since they changed all four tires anyways. TPMS sensors last about 7 years, so OP's not due, but just providing that info for others. Set up an appointment early in the day before they get backed up.
by TimeRunner
Wed Jan 20, 2016 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]
Replies: 105
Views: 13663

Re: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]

As a Mac user, I'm giving iBank 5 (https://www.iggsoftware.com/ibank/) another try, starting with 2016 transactions only. Still a bit more cumbersome than Quicken on Windows 10/VMWare Fusion, but obviously a much more simple environment. I miss automatic reconciliation the most, followed by the quic...
by TimeRunner
Wed Jan 13, 2016 10:38 pm
Forum: Investing - Theory, News & General
Topic: Is the Powerball a good play?
Replies: 48
Views: 3382

Re: Is the Powerball a good play?

So did any Boglehead win tonight? I go by the wisdom of the late Herb Caen, famous San Francisco Chronicle columnist, who said "The odds of winning the lottery are the same whether you play or not." :wink:
by TimeRunner
Tue Jan 12, 2016 5:21 pm
Forum: Personal Consumer Issues
Topic: Water softener water overflow issue
Replies: 16
Views: 1085

Re: Water softener water overflow issue

It is unusual to have two water softeners unless you have a duplex or two water meters or the previous owner was eccentric or didn't want to replace the broken one or something, heh. Are they set up in parallel to split the load? Did you try Google-Fu? Here's a link that can help you: http://inspect...
by TimeRunner
Sun Jan 10, 2016 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Want to Retire to North Coast of San Diego in 15-20 years
Replies: 14
Views: 2406

Re: Want to Retire to North Coast of San Diego in 15-20 years

How about getting a federal job in North SD County? No, you can't be Associate Director of XYZ for the Bureau if you don't live in DC, but...take it from one who weighed the pros and cons and chose to work in Central Coastal California...it's damn nice to live the dream sooner than later. Perhaps yo...
by TimeRunner
Fri Jan 08, 2016 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Allocation needed - that might survive this market
Replies: 15
Views: 1407

Re: TSP Allocation needed - that might survive this market

I second the idea of a Lifecycle fund for Mr G...given his tinkering tendencies. Tell him the Lifecycle fund tinkers itself - all he has to do is keep contributing and let the magic happen. Retirement is a ways away so no need to look at the TSP site frequently - focus that energy on something more ...
by TimeRunner
Tue Jan 05, 2016 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 151
Views: 11149

Re: Vanguard Customer Service

My 2016 resolution was to not complain, or argue in 2016 and beyond. I'm very happy with the service I receive from Vanguard. That said, there's always room for improvements. The lower cost at Vanguard is why I went them. I enjoy helping to train their customer service reps. :happy That is a fine N...
by TimeRunner
Mon Jan 04, 2016 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: Dumping Chase Private Client
Replies: 10
Views: 2110

Re: Dumping Chase Private Client

I notice that one of the free benefits is "No fee for 3x5 safe deposit box (subject to availability); 20% discount for larger boxes." Is that really 3 inches by 5 inches? How tall is it? 3x5 safe deposit box generally refers to the door size; I would expect it to be a slide-out box at lea...
by TimeRunner
Mon Jan 04, 2016 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Dumping Chase Private Client
Replies: 10
Views: 2110

Re: Dumping Chase Private Client

I notice that one of the free benefits is "No fee for 3x5 safe deposit box (subject to availability); 20% discount for larger boxes." Is that really 3 inches by 5 inches? How tall is it?
by TimeRunner
Mon Jan 04, 2016 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Question regarding allocation between TSP, Roth, HSA, Taxable
Replies: 15
Views: 1223

Re: Question regarding allocation between TSP, Roth, HSA, Taxable

FERS Supplement ends at 62, but there's no requirement to immediately file for SS. Note that the FERS Supplement has been on Congress' radar for elimination, and, IMO, that's a strong possibility. Consider additional job promotions in your future, especially if you obtain additional education, certi...
by TimeRunner
Sat Jan 02, 2016 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: IRS IP PIN Received Today but for Tax Year 2014?
Replies: 36
Views: 3981

Re: IRS IP PIN Received Today but for Tax Year 2014?

Wow, I'm very interested in this. I filed the IRS form a couple of months ago and got the same response...we're tagging your account but please submit a request for a PIN. As noted on the IRS site, "The Electronic Filing PIN service will not be available until electronic filing resumes in mid-J...
by TimeRunner
Sat Jan 02, 2016 7:02 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 400
Views: 70446

Re: "Vanguard converting mutual fund accounts to brokerage?

Would love input from anyone already having done this. If you read this thread, you'll find input from people who have done this. I'd flip your question around and ask why you wouldn't do this, since that's the direction Vanguard has chosen to take existing accounts and all new ones. [OT comment re...
by TimeRunner
Fri Jan 01, 2016 8:48 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 656
Views: 20701

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

2108. That's 2015's S&P500 2043.94 * 1.0314159 (pi), as stupid as any other forecast...rounded off. <grin>

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