Search found 1088 matches

by TimeRunner
Sun Aug 20, 2017 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: I own no international stocks. Can you guess why?
Replies: 108
Views: 5241

Re: I own no international stocks. Can you guess why?

Because you've become a day trader? :wink:
by TimeRunner
Sat Aug 19, 2017 10:22 pm
Forum: Personal Consumer Issues
Topic: Weightlifting Equipment for Home Gym
Replies: 28
Views: 1762

Re: Weightlifting Equipment for Home Gym

Set up a couple of sandbags. Start with 30 lbs and work up to 60. Sit on the floor and sling it over your shoulder. Now get off the floor and stand up. Repeat until you can do 100. Feel free to alternate shoulders.

Cheap and very effective. 8-)
by TimeRunner
Fri Aug 11, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 104
Views: 16233

Re: Best place (with warm weather) to raise children

Ventura's gotten more expensive because:
1. They ain't makin' any more coastline, and
2. Many Santa Barbara workforce folk can't afford to live there so many are commuting from Ventura and points South on the 101
by TimeRunner
Sun Aug 06, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: LastPass Premium price increasing
Replies: 32
Views: 2807

Re: LastPass Premium price increasing

I downgraded from Premium after they expanded the free services. No issues doing that. Don't see any reason to switch to another product at this time.
by TimeRunner
Sat Aug 05, 2017 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Eaton Vance TABS 5-15 year CA Muni Ladder
Replies: 8
Views: 519

Re: Eaton Vance TABS 5-15 year CA Muni Ladder

Hi, I had a similar discussion with my Schwab consultant last month (not in CA). I'm not really interested at this point. But, one of the advantages he had mentioned to me was that EV buys these bonds in a different market than we have access to and get a better price for the bonds. This somewhat o...
by TimeRunner
Fri Aug 04, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: "National Parks senior passes in short supply."
Replies: 34
Views: 3601

Re: "National Parks senior passes in short supply."

Reminder: FedGov is the entity that issues your SSN. "Believe me", they have it already in plenty of databases, as does Experian, and the Dark Web (where it's for sale), etc. The Chinese supposedly have all the FedGov civilian personnel files from the OPM breach, for goodnesssakes. That horse left t...
by TimeRunner
Thu Aug 03, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: "National Parks senior passes in short supply."
Replies: 34
Views: 3601

Re: "National Parks senior passes in short supply."

Search box is your friend: https://www.bogleheads.org/forum/viewtopic.php?t=209446 I saw that; however, I started a separate thread, because I felt this was a separate issue. Addressing this, SpiritRider posted: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=209446&start=50#p3456275 Yes, the...
by TimeRunner
Thu Aug 03, 2017 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: My wife is getting ready to retire from thr Federal Government.
Replies: 30
Views: 2866

Re: My wife is getting ready to retire from thr Federal Government.

I think you'll get the best advice if you reformat your post in the Boglehead's "Asking Portfolio Questions" format: https://www.bogleheads.org/wiki/Asking_portfolio_questions In the meantime, pause a moment and remember that your wife's retirement date doesn't trigger any requirement that you have ...
by TimeRunner
Tue Aug 01, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Beats Vanguard on Total Expenses for 14 Index Mutual Funds]
Replies: 63
Views: 4311

Re: [Fidelity Beats Vanguard on Total Expenses for 14 Index Mutual Funds]

Fidelity's 3,000 person job cuts are out of a 45,000 person workforce, and they are still hiring: https://jobs.fidelity.com/apply-now/search-jobs.html
by TimeRunner
Sun Jul 30, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 31753

Re: John Bogle Has Been Right About Investing In International Stocks

GoldenFinch wrote:Wow, nine pages! :shock:

I'm just going to go with the "nobody knows" adage and not change anything....
One could even remark that "Nobody knows Jack." :twisted:
by TimeRunner
Sun Jul 30, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Cutting The Quicken Cord
Replies: 13
Views: 2382

Re: Cutting The Quicken Cord

While I don't dismiss the privacy concerns of some I'm less hung up on it. To a large degree there is no such thing as privacy anymore. I see people get worked up about privacy but then post every detail of their life on Facebook including very controversial political and other opinions you would t...
by TimeRunner
Fri Jul 28, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: BMW Z3 or Z4 or nothing at all?
Replies: 79
Views: 5024

Re: BMW Z3 or Z4 or nothing at all?

wrongfunds wrote:Buying $10K BMW or Porsche will always costs you $20K+ If $10K is your budget, you don't buy $10K German car!
Lesson learned - ask the OP what the budget is early in the thread!
by TimeRunner
Thu Jul 27, 2017 9:00 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 31753

Re: How much international stock? A suggestion.

This 2016 article has an interesting graph showing a sample of "Equity Market Home Bias by Country", see: https://www.thestreet.com/story/1368078 ... at-it.html

Here's a Vanguard paper from 2017: https://personal.vanguard.com/pdf/ISGGAA.pdf
by TimeRunner
Thu Jul 27, 2017 5:49 pm
Forum: Personal Consumer Issues
Topic: Getting Warm/Hot Water from Cold Line in Condo
Replies: 27
Views: 2463

Re: Getting Warm/Hot Water from Cold Line in Condo

Assuming it doesn't happen only while someone in the condo is taking a shower or using a single lever faucet (where cold and hot water are mixing within the fixture itself), I'd also be looking for any recirculating pumps and check valves on the hot water side that might be malfunctioning. These are...
by TimeRunner
Wed Jul 26, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 31753

Re: How much international stock? A suggestion.

"Buy-and-hold, long-term, all-market-index strategies, implemented at rock-bottom cost, are the surest of all routes to the accumulation of wealth" - John C. Bogle

All-market-index is all-market-index, nyet? :twisted:
by TimeRunner
Wed Jul 26, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 6802

Re: Post Nuptial agreement guaranteeing alimony?

I don't think this is a good solution myself, but apparently Marriage (Divorce) Insurance is a real thing: http://wedlockdivorceinsurance.com/
by TimeRunner
Wed Jul 26, 2017 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Cutting The Quicken Cord
Replies: 13
Views: 2382

Re: Cutting The Quicken Cord

A lot of good Quicken feedback in other recent Quicken BH threads: https://www.google.com/search?sitesearc ... &q=quicken

I'm running Moneydance in parallel with Quicken in prep for cutting over all-the-way. Moneydance is a little more clunky and less pretty, but it has better privacy.
by TimeRunner
Fri Jul 21, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: How is U-Haul for getting a trailer hitch?
Replies: 28
Views: 1998

Re: How is U-Haul for getting a trailer hitch?

I agree that it looks pretty easy to install the hitch itself. I think I could do it myself if I wanted to crawl around under the vehicle. Is there anything wrong with just having U-Haul do the hitch and then maybe I can have the wiring done later if I decide I need it? It looks like these are sepa...
by TimeRunner
Fri Jul 21, 2017 8:36 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 190
Views: 31433

Re: Improving the TSP [for current participants]

Update on TSP Modernization Act of 2017: "The committees assigned to this bill sent it to the House or Senate as a whole for consideration on July 19, 2017." See: m One unhappy note: "Prognosis: 8% chance of being enacted according to Skopos Labs" See link from above page for det...
by TimeRunner
Thu Jul 20, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: How is U-Haul for getting a trailer hitch?
Replies: 28
Views: 1998

Re: How is U-Haul for getting a trailer hitch?

Consider doing it yourself if you're interested - it's not hard. See: https://www.etrailer.com/hitch-2017_Honda_CR-V.htm
by TimeRunner
Thu Jul 20, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 162
Views: 8415

Re: Can anyone convince me I need international stock in my portfolio?

I'll pose one more question/comment though. It has occurred to me that if all bogleheads really believed they should be truly diversified and invest in intl stock according to market weight, they would invest at 55/45 US/intl, but they don't. Some of us do, and more are moving this direction. For e...
by TimeRunner
Wed Jul 19, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Flying first class/ business......
Replies: 21
Views: 4065

Re: Flying first class/ business......

Yeah, but it's just so much easier and faster to fly to Hawaii from California than sail over. :D
by TimeRunner
Wed Jul 19, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Senior Lifetime National Parks Pass Fee Going Up
Replies: 70
Views: 9706

Re: Senior Lifetime National Parks Pass Fee Going Up

10,000 retiring Boomers a day, many new Park visitors with Trustafarian Sprinters, RVs and trailers. NPS is not prepared for this. No, they're not. I ordered mine in early May and still haven't received it. When I called NPS in June, the representative said they were overwhelmed with SLNPP requests...
by TimeRunner
Tue Jul 18, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Senior Lifetime National Parks Pass Fee Going Up
Replies: 70
Views: 9706

Re: Senior Lifetime National Parks Pass Fee Going Up

10,000 retiring Boomers a day, many new Park visitors with Trustafarian Sprinters, RVs and trailers. NPS is not prepared for this. :oops:
by TimeRunner
Tue Jul 18, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Dilemma about car dealership service bill error
Replies: 29
Views: 2411

Re: Dilemma about car dealership service bill error

I would ask them to send me a final invoice, then write a check for the additional amount, mail it, and be done with it. That's the honest thing to do.
by TimeRunner
Sun Jul 16, 2017 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Finance Milestone: 20 Times Annual Expense
Replies: 95
Views: 8850

Re: Personal Finance Milestone: 20 Times Annual Expense

Kudos, and nicely done. You are wise and appreciated here. 8-)
by TimeRunner
Sun Jul 16, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Buying beach bungalow in San Diego for Winters
Replies: 55
Views: 4692

Re: Buying beach bungalow in San Diego for Winters

Downside is that I'm in a college kid's apartment. Probably kind of crappy and how many of them live alone to start with? And then I've got to repeat the process every year.... Recreational weed will become retail in January, 2018, so you should have plenty of neighbors to get high with. "Dood...
by TimeRunner
Sat Jul 15, 2017 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving California, will I be taxed?
Replies: 11
Views: 1333

Re: Leaving California, will I be taxed?

Image
"You can check-out anytime you like, but you can (almost) never leave."
by TimeRunner
Thu Jul 13, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 57
Views: 4088

Re: Solar panels

A niggle. Daytime electricity prices (wholesale) could well be zero in 30 years as renewable electricity floods the grid. Wind and nuclear penetration have meant that nighttime prices can be negative ( excess generation). However Transmission and Distribution charges will likely rise and probably f...
by TimeRunner
Tue Jul 11, 2017 7:02 pm
Forum: Investing - Theory, News & General
Topic: Hundreds laid off at Fidelity
Replies: 22
Views: 4311

Re: Hundreds laid off at Fidelity

Reminded of Being There movie: "President "Bobby": Mr. Gardner, do you agree with Ben, or do you think that we can stimulate growth through temporary incentives? [Long pause] Chance the Gardener: As long as the roots are not severed, all is well. And all will be well in the garden. Pr...
by TimeRunner
Tue Jul 11, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 57
Views: 4088

Re: Solar panels

By the time it makes sense for us to go off-grid, there will probably be a "grid exit fee". :annoyed
by TimeRunner
Tue Jul 04, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Ca. Muni bond funds
Replies: 12
Views: 1704

Re: Ca. Muni bond funds

Changing, maybe step back and post your portfolio, per: viewtopic.php?t=6212 to get suggestions on cleaning-up from the Bogleheads' mindhive.
by TimeRunner
Mon Jul 03, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: Lastpass anyone use it?
Replies: 22
Views: 2048

Re: Lastpass anyone use it?

It's certainly proven a lot more reliable than the gov't keeping NSA tools or personnel records secret and encrypted! :oops: Long-time user of Lastpass, happy with the product most of the time.
by TimeRunner
Thu Jun 29, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: Lending people "things"
Replies: 28
Views: 1633

Re: Lending people "things"

You could always GIVE it to him and then borrow it FROM him while griping about the condition it's in. :twisted:
by TimeRunner
Thu Jun 29, 2017 5:29 pm
Forum: Investing - Theory, News & General
Topic: "Quincy Jones Streaming Music, Media & Entertainment ETF"
Replies: 13
Views: 1174

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

mhalley wrote:I thought you meant this Nathan jones

https://m.youtube.com/watch?v=fOFbFgeLtr0
Heh, great cover! I was remote-duty stationed back then and missed Bananarama's version. :beer
by TimeRunner
Wed Jun 28, 2017 10:25 pm
Forum: Investing - Theory, News & General
Topic: "Quincy Jones Streaming Music, Media & Entertainment ETF"
Replies: 13
Views: 1174

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: 28
Views: 2319

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: 3447

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: 23
Views: 2686

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: 32
Views: 4101

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: 4474

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: 6755

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: 190
Views: 31433

Re: Improving the TSP [for current participants]

Good News: Legislation Introduced to Allow Multiple Withdrawals From TSP, article here: m and here: m H.R. 3031 Bill can be tracked here: m As of 6/24/17, the Bill's text is not yet available. It should be available in a few business days. This is the companion bill to the one in the Senate, S. 873: m
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: 1869

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

I've been trying to find an update to this piece: m 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 GAO. See: m Things would have to be apocalyptic if they didn't make the fund whole, IMO. Edit: There w...
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: 1869

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: 4533

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/...