Search found 1049 matches

by TimeRunner
Wed Jun 28, 2017 10:25 pm
Forum: Investing - Theory, News & General
Topic: "Quincy Jones Streaming Music, Media & Entertainment ETF"
Replies: 11
Views: 713

Re: "Quincy Jones Streaming Music, Media & Entertainment ETF"

We got Dow Jones, Quincy Jones...but I'm waiting for Nathan, Nathan Jones.

https://youtu.be/SzQOvcw6cZk

"Oh winter's passed spring and fall
You never rung me, you never called
Nathan Jones you've been gone too long
Gone too long"
by TimeRunner
Wed Jun 28, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Unable to Escape from Quicken Island ...
Replies: 17
Views: 1284

Re: Unable to Escape from Quicken Island ...

I'm using Moneydance as you know from the other Quicken thread. As far as keeping old Quicken data around, my solution was to dump all the old data (transactions mostly) out to a complete PDF report and spreadsheet file. That's good enough to look up old data. I don't worry about tracking cost basis...
by TimeRunner
Tue Jun 27, 2017 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 51
Views: 3031

Re: Federal Retiree Health Care with/Medicare

Another way to look at it is that all federal employees' and retirees' FEHB premiums are being partially subsidized by Medicare.
by TimeRunner
Mon Jun 26, 2017 8:09 pm
Forum: Investing - Theory, News & General
Topic: International allocation. (Total World)
Replies: 11
Views: 1070

Re: International allocation. (Total World)

As I posted in the other thread, holding Total World in tax-advantaged accounts, where TLH is not an issue, reduces the temptation to fitz with rebalancing, because it is set-and-forget. It is the ultimate Boglehead ETF, and when Admiral comes out someday, the ultimate fund holding. :beer
by TimeRunner
Sun Jun 25, 2017 7:26 pm
Forum: Investing - Theory, News & General
Topic: The "angle" at Schwab
Replies: 23
Views: 2750

Re: The "angle" at Schwab

I'm in the process of getting POA in place for three trust accounts and an IRA at Schwab. I have been dealing with their Operations Center in Texas, and the folks there have been very helpful. When my 88 year old Mom forgot to make an appointment at her local Schwab office (far from me) for us to ge...
by TimeRunner
Sun Jun 25, 2017 7:09 pm
Forum: Investing - Theory, News & General
Topic: Total World expense ratio lowered
Replies: 29
Views: 4163

Re: Total World expense ratio lowered

One thing I really like about holding VT in TIRA and Roth accounts, where TLH is not an issue, is that there's no temptation to fitz around with rebalancing. Holding VT (at an expense ratio that would likely be the same as a non-existent Admiral fund version) in these accounts has been very worthwhi...
by TimeRunner
Sat Jun 24, 2017 7:00 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite Vanguard Fund
Replies: 56
Views: 5641

Re: Your Favorite Vanguard Fund

Vanguard Total World Stock ETF (VT): https://personal.vanguard.com/us/funds/ ... IntExt=INT

The ultimate Boglehead holding - own an approximation of the investable World in one stock. Set it and forget it.
by TimeRunner
Sat Jun 24, 2017 3:22 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 181
Views: 29045

Re: Improving the TSP [for current participants]

Good News: Legislation Introduced to Allow Multiple Withdrawals From TSP, article here: https://www.fedsmith.com/2017/06/23/legislation-introduced-allow-multiple-withdrawals-tsp/ and here: http://www.govexec.com/pay-benefits/2017/06/house-oversight-members-join-effort-loosen-tsp-withdrawal-restricti...
by TimeRunner
Thu Jun 22, 2017 6:12 pm
Forum: Investing - Theory, News & General
Topic: Sheltering in the TSP's G Fund...A bad idea?
Replies: 20
Views: 1635

Re: Sheltering in the TSP's G Fund...A bad idea?

I've been trying to find an update to this piece: https://www.fedsmith.com/2017/03/21/government-begins-borrowing-from-the-g-fund-to-offset-debt-ceiling/ One source is the TSP website, which has a blurb about it at the bottom of this page, with more info links to Congressional Research Service and ...
by TimeRunner
Thu Jun 22, 2017 5:44 pm
Forum: Investing - Theory, News & General
Topic: Sheltering in the TSP's G Fund...A bad idea?
Replies: 20
Views: 1635

Re: Sheltering in the TSP's G Fund...A bad idea?

I question the premise of the question, "If...the TSP represents the sum total of a retiree's savings...." The answer can only be as good as the question!
by TimeRunner
Wed Jun 21, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 53
Views: 4002

Re: Google Fi? pros/cons? anyone using it?

In addition to what others have said, I made the switch as a long-time iPhone user. I actually prefer the Pixel XL's features, controls, and settings. It was easy to switch. Wife is going to switch from her iPhone towards end of the year and will join me on the new group plan. My bill is around $28/...
by TimeRunner
Tue Jun 20, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Unable to Access POA in Revocable Trust
Replies: 30
Views: 1761

Re: Unable to Access POA in Revocable Trust

Couldn't the hospital have used the patient's credit card? (Obviously not, but I'm not sure why not.)
by TimeRunner
Mon Jun 19, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 16339

Re: Siblings in disagreement over mom's house.

1) A final get-together at the house, for everyone. Perhaps with a party-ish theme of the sort that your parents enjoyed (cookout, campout, booze, or whatever else your parents may have enjoyed). There is no way I would add booze to this mix. :twisted: I acknowledge we're all cut from different clo...
by TimeRunner
Mon Jun 19, 2017 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity web snafu
Replies: 3
Views: 437

Re: Fidelity web snafu

I use Fido website with LastPass. I found you have to click "OK" before Fido's website partially replaces your username with a string of "****". Sometimes the timing is off and it doesn't work. Return to the login page and try your timing again.
by TimeRunner
Sun Jun 18, 2017 7:30 pm
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 79
Views: 4849

Re: Best Financial Advice from Dad (in honor of father's day)

"Don't buy into a tuna boat with a bunch of Doctors as limited partners - unless you're the general partner."
by TimeRunner
Sun Jun 18, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: Lg refrigerator vs Samsung refrigerator.
Replies: 19
Views: 1528

Re: Lg refrigerator vs Samsung refrigerator.

Due to poor experiences with a Samsung dishwasher and dryer, I'd lean towards LG. (OTOH, Samsung TV has been fine.)

Edit: From other posts, it sounds like a gamble no matter who you select. Our old Kenmore keeps chugging away, but it's rusting pretty badly.
by TimeRunner
Sun Jun 18, 2017 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 16339

Re: Siblings in disagreement over mom's house.

Payoffhouse, I like your rough plan. Use the money you contribute to the house to pay for an attorney consultation (partition or other solution) as your new contribution to the common cause. Nightmare!
by TimeRunner
Sat Jun 17, 2017 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Unable to Access POA in Revocable Trust
Replies: 30
Views: 1761

Re: Unable to Access POA in Revocable Trust

Regardless, I think in many/most situations, there is a need for individuals to ensure that estate planning documents are accessible to those who need access at either incapacitation or death. This, or from the other direction (as applies to my situation), individuals who need access to estate plan...
by TimeRunner
Sat Jun 17, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employees considering early out - buyout?
Replies: 38
Views: 3152

Re: Federal employees considering early out - buyout?

I was going to retire April 2016, but my boss pleaded with me to stay until the end of the year, saying that buyout authority was imminent, so just hang on a bit more for the good of the Mission. Spring, Summer, and Fall of 2016 came and went seemingly very slowly. Each beautiful day was one more da...
by TimeRunner
Tue Jun 13, 2017 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Fisher says Mutual Funds are Risky
Replies: 32
Views: 2283

Re: Fisher says Mutual Funds are Risky

I met him and his wife (Sheri) decades ago when I was much younger, caretaking a property off Skyline Dr along the spine of the Peninsula in the Bay Area. He bought the 5 acre property, telling the owners that they had no intention of removing us as caretakers. The sellers, who liked us, put a 60 da...
by TimeRunner
Mon Jun 12, 2017 1:51 pm
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 12079

Re: Bogle Doubles Down on US Index Funds

I use TSP G Fund as my bond ballast (one of the earned benefits of a long Federal career), and most of the rest is in Vanguard Total World Stock ETF (VT), currently at 53.2% US as it auto-re-balances and the planet spins. :)
by TimeRunner
Sun Jun 11, 2017 10:55 am
Forum: Investing - Theory, News & General
Topic: Tell me a stock you like better than Google/Alphabet Right Now and Why
Replies: 101
Views: 7410

Re: Tell me a stock you like better than Google/Alphabet Right Now and Why

I had bought a bunch of Google at cost basis around $181/share in pre-Boglehead days. Donating a chunk each year to Fido DAF (Donor Advised Fund) to help on taxes. Holding mostly TSP G fund for bond allocation, and Vanguard VT ("the ultimate Boglehead ETF") for equities. I'll still own ple...
by TimeRunner
Sun Jun 11, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Merging bypass & survivor's trust
Replies: 7
Views: 677

Re: Merging bypass & survivor's trust

I have a similar situation and hope there are knowledgeable thread responses.
by TimeRunner
Thu Jun 08, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Los Angeles house buying
Replies: 38
Views: 3759

Re: Los Angeles house buying

More than a handful of kids of friends have used the pathway of sending the kids to a Calif community college that partners with a UC to accept transfers at the 2 year mark. The kids live at home for at least the first two years before making the jump, then they may or may not live at home depending...
by TimeRunner
Wed Jun 07, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Earthquake insurance in SOCAL
Replies: 28
Views: 1508

Re: Earthquake insurance in SOCAL

I'll take the opposing view. Regardless of your equity, you're still on the hook for your mortgage payments regardless of whether your house is habitable or not. The government may extend a low interest disaster loan, but that's not a grant, and those payments would still be on top of your mortgage....
by TimeRunner
Thu Jun 01, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 45
Views: 2312

Re: Changing Car Cabin Air Filter - after how much time

I check mine at every oil change. Easy to remove, bang them on a hard surface to knock out pine needles, insect and leaf fragments, reinstall if it doesn't look too dirty or replace if it does. On my Honda Element it takes less than ten minutes. On my wife's former 2000 CRV it was more difficult and...
by TimeRunner
Wed May 31, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer without an in person interview
Replies: 41
Views: 3469

Re: Job offer without an in person interview

But, if you're at all hesitant about the job because you haven't been able to see them in person, then I would suggest insisting on an informational visit. Spend a day on site, meet people, have a lunch, and if appropriate use that to start the salary negotiations face to face. I would certainly no...
by TimeRunner
Wed May 31, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Using LastPass to Manage Passwords
Replies: 38
Views: 3219

Re: Using LastPass to Manage Passwords

I use Lastpass on Mac, Windows, and my Google Pixel XL phone, which supports Lastpass login using fingerprint reader. On Windows and Mac, I use two-factor auth, using Lastpass Authenticator app on the phone to generate access code. Other than some occasional browser login issues, where I have to cop...
by TimeRunner
Tue May 30, 2017 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Cost basis question: when you don't know it.
Replies: 49
Views: 9911

Re: Cost basis question: when you don't know it.

mrc wrote:Before today, the last post in this thread was January 2013. Did I miss something?
I don't think so, it's just another 'thread from the dead'.
by TimeRunner
Mon May 29, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: How long before I can cut down a branch with a nesting bird
Replies: 18
Views: 1964

Re: How long before I can cut down a branch with a nesting bird

Thank you for waiting to cut the tree until after the chicks have fledged - it's good for your karma. :) We had a similar issue a few weeks ago with a blue jay nesting in a bush next to where we were replacing a fence. Momma bird put up with some construction noise and everyone respected her space. ...
by TimeRunner
Mon May 29, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 52
Views: 5063

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

+1 on FedGuy's response. I'd use the local Schwab office. I'm POA for Mom on three Trust accounts and an IRA at Schwab. The local office has been helpful to notarize paperwork, coordinate with back-end operations center office, etc. Website is straightforward. I would prefer VG funds, but changing t...
by TimeRunner
Sat May 27, 2017 12:10 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity and their "free advisor" service?
Replies: 34
Views: 3176

Re: Fidelity and their "free advisor" service?

My account says "Fidelity Premium Services" and shows the name of some guy I've never heard of or met in my local office, but who did file for bankruptcy in 2010 due to getting over his head in credit card debt. Apparently that's not a career showstopper these days. I've gotten one robo-em...
by TimeRunner
Fri May 26, 2017 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: i-ORP: testing and verification ?
Replies: 4
Views: 583

Re: i-ORP: testing and verification ?

I compared what I-ORP was recommending as far as TIRA->RIRA conversion against what I saw plugging 2017 estimate into TurboTax 2016, for 28% bracket. Difference was just a couple of $K, which was reassuring. I like using TurboTax because I can see if/when AMT, Net Investment Income Tax, etc, started...
by TimeRunner
Fri May 26, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting with retirement guru, specializes in federal govt employees
Replies: 72
Views: 7147

Re: Meeting with retirement guru, specializes in federal govt employees

Nothing to add but one tip learned the hard way - don't change health care plans at retirement, wait until the next open season. If your agency HR shop drops the ball (as mine did), you might find yourself without health insurance for awhile, and your now former agency won't help because you are no ...
by TimeRunner
Thu May 25, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: anyone ever live/living on a boat?
Replies: 46
Views: 5613

Re: anyone ever live/living on a boat?

Oh the Humidity! :twisted:
by TimeRunner
Wed May 24, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer protection guarantee-void if you use Mint?
Replies: 39
Views: 3048

Re: Fidelity customer protection guarantee-void if you use Mint?

Read this blog post https://infinitekind.com/blog/online-banking-privacy-security (from Moneydance website) to understand the difference between OFX (Open Financial Exchange) direct download (as supported by Fidelity, Vanguard, USAA, etc) and Express Web Connect, which is Intuit's (formerly Quicken'...
by TimeRunner
Wed May 24, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: NJ Lemon Law 2017 Honda CRV
Replies: 25
Views: 4060

Re: NJ Lemon Law 2017 Honda CRV

Currently sixteen complaints and one recall on 2017 Honda CR-V AWD at DOT/NHTSA: https://www.nhtsa.gov/vehicle/2017/HOND ... complaints

Some are electrical issues, but none so far relate to parasitic drain on the battery.
by TimeRunner
Sun May 21, 2017 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: NJ Lemon Law 2017 Honda CRV
Replies: 25
Views: 4060

Re: NJ Lemon Law 2017 Honda CRV

Is it possible you simply have a bad battery? I'd have the dealer swap it out and see if that solves your issue. Seems like there would be a nationwide recall if this was a systemic issue. Wouldn't you think the dealer would have tried this already? They were there twice. OP doesn't mention it. Oft...
by TimeRunner
Sun May 21, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: NJ Lemon Law 2017 Honda CRV
Replies: 25
Views: 4060

Re: NJ Lemon Law 2017 Honda CRV

Is it possible you simply have a bad battery? I'd have the dealer swap it out and see if that solves your issue. Seems like there would be a nationwide recall if this was a systemic issue.
by TimeRunner
Fri May 19, 2017 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 114
Views: 14983

Re: My dad is taking Social Security at 62, why would anyone not?

TravelforFun wrote:This assumes both twins live a long time. If they die young, they're both screwed. Twin A for delaying and Twin B for buying an unused annuity.
They're not screwed, they're dead, and therefore it makes no difference to them. There are probably no regrets after death, but YMMV of course.
by TimeRunner
Mon May 15, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: Switch from iPhone to Google Fi and Pixel?
Replies: 37
Views: 3651

Re: Switch from iPhone to Google Fi and Pixel?

I wanted to add that I switched upon retirement to Project Fi , Pixel XL phone from many years of using gov't-provided iPhones (and previously a gov Blackberry). I left behind maybe $15 worth of purchased apps (and work apps of course), all which had android equivalents or which I didn't need or car...
by TimeRunner
Sun May 14, 2017 11:26 pm
Forum: Personal Consumer Issues
Topic: Switch from iPhone to Google Fi and Pixel?
Replies: 37
Views: 3651

Re: Switch from iPhone to Google Fi and Pixel?

I have a Google Pixel XL on Project Fi and echo others' good experiences. Bill averages about $28/month total, including $5/month damage insurance on phone. Have not traveled with it outside of USA, but within USA service has met expectations. Very nice to be able to put most phone/data use on any p...
by TimeRunner
Sun May 14, 2017 8:10 pm
Forum: Investing - Theory, News & General
Topic: Disappointed with the Vanguard experience so far
Replies: 11
Views: 2508

Re: Disappointed with the Vanguard experience so far

You can always hold Vanguard ETF's at Fidelity. Ask Fido for free trades - odds are they will give you enough to buy the ETFs and rebalance for a few years or forever.
by TimeRunner
Fri May 12, 2017 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: If I invest in ETF instead of MF, what kind of tax paperwork should I expect?
Replies: 22
Views: 1975

Re: If I invest in ETF instead of MF, what kind of tax paperwork should I expect?

livesoft wrote:The book Decisive by Heath and Heath would have helped you not waste the time you are wasting on this.

What have you decided? And when will you act?
Great book recommendation, at least I think it probably is, except, well...yeah, maybe it is, mostly. OK, yeah, it really is. :D
by TimeRunner
Wed May 10, 2017 9:06 pm
Forum: Personal Consumer Issues
Topic: Tesla Solar Roof
Replies: 81
Views: 8148

Re: Tesla Solar Roof

I looked for data sheets or ANY Tesla technical literature like data sheets to answer questions like how are they wired, what do the connections look like, what is the physical size, etc and didn't find anything. That's a huge red flag. If anyone has a link for that, please post.
by TimeRunner
Mon May 08, 2017 11:16 pm
Forum: Investing - Theory, News & General
Topic: TSP Investment Options questioned
Replies: 10
Views: 1055

Re: TSP Investment Options questioned

I think he's forgotten about the average federal employee who could give a darn about multi-factor investing in the TSP.
by TimeRunner
Mon May 08, 2017 12:00 pm
Forum: Investing - Theory, News & General
Topic: TSP Advisory Services...Performance
Replies: 10
Views: 1017

Re: TSP Advisory Services...Performance

In my quick and not necessarily accurate glance of the links the OP posted, I think only the last one compares performance to a buy-and-hold of the market or anything else (three fund, fixed allocation), and it doesn't define what buy-and-hold of the market is. This is as deep as I want to look; oth...
by TimeRunner
Mon May 08, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Federal job, "military time buyback" for pension
Replies: 22
Views: 1926

Re: Federal job, "military time buyback" for pension

YMMV. I rolled out $1.5+M TSP to Fido TIRA and Roth in early April, and then rolled back $750+K to TSP TIRA for G fund bond allocation a couple of weeks later to withdraw via monthly withdrawals perhaps starting next year. This reduced my TSP Roth holding to under $100, so mandatory Roth RMD's from ...
by TimeRunner
Sun May 07, 2017 9:18 pm
Forum: Investing - Theory, News & General
Topic: TSP Advisory Services...Performance
Replies: 10
Views: 1017

Re: TSP Advisory Services...Performance

If I tell you to move 10% of your TSP from the C fund to the I fund, I have at least a 50% chance that it will be a profitable move for you. And if I'm wrong, there's always next month.

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