Search found 635 matches

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: 2875

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: 332
Views: 36319

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: 838

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: 7152

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: 838

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: 1350

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: 91
Views: 10521

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: 928

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: 1486

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: 1486

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: 928

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: 3224

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: 112
Views: 10201

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: 3224

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: 91
Views: 10521

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: 3055

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: 928

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: 2209

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: 1228

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: 87
Views: 6359

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: 1808

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: 1808

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: 1084

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: 28
Views: 2548

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: 374
Views: 47403

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: 646
Views: 14496

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>
by TimeRunner
Fri Jan 01, 2016 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Roll Call for Tax-Loss Harvesting Class of 2015
Replies: 62
Views: 2363

Re: Roll Call for Tax-Loss Harvesting Class of 2015

VTIAX (VG Total Int'l Adm) -> VFWAX (FTSE All World ex-US Adm), roughly $1,080 short term losses harvested. 8-)
by TimeRunner
Wed Dec 30, 2015 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Disappointed with Vanguard account
Replies: 13
Views: 2166

Re: Disappointed with Vanguard account

No offense meant, but this is what's known as a "First World problem". :)
by TimeRunner
Tue Dec 29, 2015 9:40 pm
Forum: Personal Consumer Issues
Topic: Do You Track Your Emails?
Replies: 16
Views: 1522

Re: Do You Track Your Emails?

I use PixelBlock, a Chrome browser Gmail extension that blocks people from tracking when you open/read their emails. Different strokes....
by TimeRunner
Sat Dec 26, 2015 12:22 am
Forum: Investing - Theory, News & General
Topic: TIPS Fund is Getting Hammered!
Replies: 71
Views: 8472

Re: TIPS Fund is Getting Hammered!

California taxes, sigh. Thanks for the info. Fortunately, tracking is easy and cap gains should be small.
by TimeRunner
Thu Dec 24, 2015 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs Trad TSP w/ anticipated pension
Replies: 20
Views: 1329

Re: Roth vs Trad TSP w/ anticipated pension

I'm a big fan of the Roth TSP. At present, I've got over $95,000 in that portion of my TSP account and it's growing rapidly. I plan on retiring in about two years. If, at that time, the TSP still doesn't allow for direct Roth conversions, I plan on moving all but $200 of my entire (regular + Roth) ...
by TimeRunner
Thu Dec 24, 2015 1:08 pm
Forum: Investing - Theory, News & General
Topic: TIPS Fund is Getting Hammered!
Replies: 71
Views: 8472

Re: TIPS Fund is Getting Hammered!

I invest in TIP fund in California HSA account as suggested by grabiner so HSA gains are not taxable and do not require additional accounting. That's the only place I use them.
by TimeRunner
Thu Dec 24, 2015 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Psychological Disconnect [Pay off credit card vs. saving]
Replies: 25
Views: 1661

Re: Psychological Disconnect

Quicken: Just create an asset account with the value of your Car, like: 2008 Honda Civic DX Sedan 4DR opening balance $5,000 (whatever you find at kbb or on the internet elsewhere) Every whenever (once a year?), just create a depreciation entry so the value goes down by some amount. If the car is no...
by TimeRunner
Thu Dec 24, 2015 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Performance?
Replies: 45
Views: 4019

Re: Vanguard Personal Performance?

VG Retirement only (100% Roth, currently)
1 year -1.0
3 year 8.9
5 year 6.7
10 year 6.5

Acct has no bonds because TSP G fund is used for all retirement bond holdings, so this account is roughly 29% VGSLX (REIT), 41% VTIAX, and 30% VTSAX.
by TimeRunner
Wed Dec 23, 2015 8:51 pm
Forum: Investing - Theory, News & General
Topic: Spreadsheet for investing (especially for TSP)
Replies: 2
Views: 660

Re: Spreadsheet for investing (especially for TSP)

Thanks! I pulled a copy and will incorporate some of the features into my Google tracking sheets. Just did a TSP rebalance today to lighten up on G and put more into I and S, to keep my 65/35 (current) -> 70/30 (age 70) allocation. (arrow=heading towards) Happy Holidays! 8-)
by TimeRunner
Tue Dec 22, 2015 9:01 pm
Forum: Personal Consumer Issues
Topic: What is best Titanium Road Bike
Replies: 32
Views: 2369

Re: What is best Titanium Road Bike

I have a '96 Ti road bike that was an obscure McMahon built by Litespeed and raced under different stickers including Diamondback. I'm the 4th owner, and upgraded the drive train to Dura-Ace 10 a few years ago. It has no stickers on it, and is unpainted. People ask me about it, and I tell them that ...
by TimeRunner
Tue Dec 22, 2015 8:30 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: Share how you like to vacation
Replies: 113
Views: 8725

Re: Bogleheads: Share how you like to vacation

flyingaway wrote:I wish I had a friend who has a boat.


Bareboat cruising! Image
by TimeRunner
Tue Dec 22, 2015 6:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Partnering with Yodlee
Replies: 141
Views: 18092

Re: Vanguard Partnering with Yodlee

I sent a msg to Vanguard asking if they could enable Yodlee on my accounts, and got back this reply today: "Timerunner, Thank you for contacting Vanguard. Account aggregation through Yodlee is currently closed to new enrollments. I've forwarded your comments to the appropriate area for review. ...
by TimeRunner
Mon Dec 21, 2015 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: FERS - how does parttime affect pension
Replies: 4
Views: 631

Re: FERS - how does parttime affect pension

Awesome, glad to help. Glad you tackled reading the manual - a lot of people's eyes glaze over, but it is actually well written. Happy Holidays! :beer
by TimeRunner
Mon Dec 21, 2015 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Financial Software
Replies: 4
Views: 755

Re: Financial Software

Mint may also know your portfolio, but they do not have your emails as well :( True, but Mint does have the sign-ons to all your accounts, which is an attractive hacking target. I'm not too worried about Google knowing my investments, although if they are following me for investing their Jillions o...
by TimeRunner
Sun Dec 20, 2015 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Software
Replies: 4
Views: 755

Re: Financial Software

At no cost, take a look at Google Sheets. The Googlefinance() function will pull quite a bit of financial data, so if you build a spreadsheet, you should be able to do things like #shares*googlefinance("VTIAX") to get total value of your shares at current pice, or =GoogleFinance("VTIA...
by TimeRunner
Sun Dec 20, 2015 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: FERS - how does parttime affect pension
Replies: 4
Views: 631

Re: FERS - how does parttime affect pension

Here's the authoritative source for the answers to your questions: https://www.opm.gov/retirement-services/publications-forms/csrsfers-handbook/c055.pdf, see page 4: --- F. FERS Proration Factor The FERS proration factor is used to compute FERS and FERS component annuities that include credit for pa...
by TimeRunner
Sun Dec 20, 2015 8:23 pm
Forum: Personal Consumer Issues
Topic: Garage door not flush in one spot w/ floor question
Replies: 13
Views: 1229

Re: Garage door not flush in one spot w/ floor question

mhalley wrote:My garage door had a gap in it that was fixed by using a larger piece of the rubber strip that goes on the bottom of the garage door. Apparently they come in 3, 4 and 6 inch size.
http://www.northshorecommercialdoor.com ... truse.html
Mike


Nice reference, thank you. El Nino's coming!
by TimeRunner
Sat Dec 19, 2015 5:54 pm
Forum: Investing - Theory, News & General
Topic: Large Energy stocks - why not?
Replies: 156
Views: 9740

Re: Large Energy stocks - why not?

You'll be pleased to know then that the latest Congressional budget agreement renews multi-billion dollar federal government subsidies for wind and solar power. So there's that revenue to the industry for at least five years. 8-)
by TimeRunner
Sat Dec 19, 2015 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: deleted
Replies: 23
Views: 1301

Re: TSP and Roth IRA AA advice

picklenickle wrote:Gotcha! I understand now that the 1:4 ratio of C:S is mimicking the TSM.


No, it's the other way around! TSM = 4:1 for C:S
by TimeRunner
Fri Dec 18, 2015 11:47 pm
Forum: Investing - Theory, News & General
Topic: Large Energy stocks - why not?
Replies: 156
Views: 9740

Re: Large Energy stocks - why not?

I'm a Core 4 guy but if I was going to make an energy play, I'd feel better (edit, but not much better) about investing in Solar.
by TimeRunner
Fri Dec 18, 2015 9:00 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: Share how you like to vacation
Replies: 113
Views: 8725

Re: Bogleheads: Share how you like to vacation

I like to keep a low profile. :D
Image
by TimeRunner
Fri Dec 18, 2015 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio w/ value and REIT tilt?
Replies: 12
Views: 1088

Re: 3 Fund Portfolio w/ value and REIT tilt?

I use G for all bond holdings (65/35) with the exception of some CA tax-exempt in my investment account. Your portfolio is similar to the Core 4 (Core4 sometimes) as mentioned in the wiki (https://www.bogleheads.org/wiki/Lazy_portfolios) and various threads here, such as: https://www.bogleheads.org/...

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