Search found 801 matches

by TimeRunner
Sun Sep 25, 2016 8:38 pm
Forum: Personal Consumer Issues
Topic: Protein Powders
Replies: 26
Views: 1833

Re: Protein Powders

Whatever's on the shelf at Costco. Reasonable prices, usually.
by TimeRunner
Sat Sep 24, 2016 1:33 pm
Forum: Personal Consumer Issues
Topic: New e-readers?
Replies: 22
Views: 1419

Re: New e-readers?

Is there a Kindle app for the Aura then?
by TimeRunner
Wed Sep 21, 2016 12:26 pm
Forum: Personal Consumer Issues
Topic: macOS Sierra
Replies: 17
Views: 1770

Re: macOS Sierra

Sadly my MacBook Pro from 2007 was not invited to the party. :( But I am really happy that at age 9 it runs El Capitan fine and has no issues. :happy Ditto my mid-2009 MBP with upgraded RAM and SSD. It's main future replacement may be a Chromebook capable of running Android apps. But as long as the...
by TimeRunner
Tue Sep 20, 2016 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: HSABank: How to withdraw money and reflect it in taxes?
Replies: 49
Views: 2483

Re: HSABank: How to withdraw money and reflect it in taxes?

Just to clarify on the HSABank fees as shown here: http://www.hsabank.com/~/media/files/fees_s1 If you request a transfer from HSA Bank to your bank checking account, for example, the limit is $500/day. Day means the day when they get around to processing the transaction. That may or may not be one ...
by TimeRunner
Tue Sep 20, 2016 11:01 am
Forum: Personal Consumer Issues
Topic: New e-readers?
Replies: 22
Views: 1419

Re: New e-readers?

A question from an e-reader n00b - If you've purchased Kindle books, can you read them on a Kobo product and vice versa? or are you locked into your e-reader ecosystem?
by TimeRunner
Mon Sep 19, 2016 7:29 pm
Forum: Investing - Theory, News & General
Topic: Bogle tilts toward Value in his own portfolio
Replies: 34
Views: 3782

Re: Bogle tilts toward Value in his own portfolio

"What is :arrow: meritricity (def: apparently attractive but having in reality no value or integrity), Alex." :?:
by TimeRunner
Sun Sep 18, 2016 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: [Vanguard Invite to a] "private event"
Replies: 28
Views: 3525

Re: [Vanguard Invite to a] "private event"

I'm second deck, tenth from the bow, middle seat starboard side:
Image
by TimeRunner
Sun Sep 18, 2016 9:43 am
Forum: Personal Finance (Not Investing)
Topic: HSABank: How to withdraw money and reflect it in taxes?
Replies: 49
Views: 2483

Re: HSABank: How to withdraw money and reflect it in taxes?

AFAIK, after age 65 there's no 20% penalty, but your HSA withdrawal for non-qualifired medical expenses is treated as income similarly to a TIRA withdrawal, and is reported on line 21 of Form 1040, which you get there by filling out IRS Form 8889 Part II. Instructions: https://www.irs.gov/pub/irs-pd...
by TimeRunner
Sat Sep 17, 2016 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 235
Views: 86406

Re: Retiree Portfolio Model

LadyGeek - all good suggestions and catches, thank you for your diligence. When I use the sheet, I *have to* unprotect it and widen the columns, otherwise the pop-up notes can't be read because they are blocked out by graphs and such. No big deal and happy the sheets can be unprotected.
by TimeRunner
Sat Sep 17, 2016 7:59 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Small or Midsize SUV/Crossover
Replies: 62
Views: 4786

Re: Recommendations for Small or Midsize SUV/Crossover

One issue that is an emerging requirement is that the spouse wants cloth . . . :shock: Good luck, friend. If it is a comfort issue, buy a seat cover. If it is political statement, a few makers give you the safety gear without leather but not many. Heated leather seats when it's cold would change th...
by TimeRunner
Sat Sep 17, 2016 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: HSABank: How to withdraw money and reflect it in taxes?
Replies: 49
Views: 2483

Re: HSABank: How to withdraw money and reflect it in taxes?

Interesting thread. Question: We've accumulated about 10 years of medical expenses (box of receipts by year) but never touched the funds in the HSA. If we now pay ourselves but have a balance remaining, is there a condition where we could take out the funds but with Zero income for that year, incur...
by TimeRunner
Sat Sep 17, 2016 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: HSABank: How to withdraw money and reflect it in taxes?
Replies: 49
Views: 2483

Re: HSABank: How to withdraw money and reflect it in taxes?

- The account maintenance fee is "only" $2.25, but it's per month. The annual fee is $27. This is a good reason to close the account at once when it's just above the threshold for the fee ($3,000). - HSA closure fee of $25 is unavoidable. Minor update: The fee threshold is currently $5K, ...
by TimeRunner
Fri Sep 16, 2016 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: HSABank: How to withdraw money and reflect it in taxes?
Replies: 49
Views: 2483

Re: HSABank: How to withdraw money and reflect it in taxes?

The limit is a DAILY $500 limit for transfers between HSABank and your bank, however you can request a check to be mailed to you for the full amount of your withdrawal. I'm skipping the check and submitting a daily withdrawal transfer until I get to my number.
by TimeRunner
Fri Sep 16, 2016 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: HSABank: How to withdraw money and reflect it in taxes?
Replies: 49
Views: 2483

Re: HSABank: How to withdraw money and reflect it in taxes?

...I have been planning to keep it long into retirement and use the accumulated money for paying for eventual large expenses. However, after a discussion with David Grabiner, I am now thinking that I may be better off taking money out of HSABank as soon as possible, when I have qualified expenses.....
by TimeRunner
Fri Sep 16, 2016 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: An example of the value of a liability umbrella policy
Replies: 22
Views: 2365

Re: An example of the value of a liability umbrella policy

We have USAA homeowners policy with $500k liability, Geico car and motorcycle insurance with $500k/500k/100k liability, and a Geico umbrella policy for $2M to cap that for around $325/year for the UL policy. That UL policy seems like "well-worthwhile good insurance", especially here in lit...
by TimeRunner
Thu Sep 15, 2016 9:32 pm
Forum: Personal Consumer Issues
Topic: Popping Gas Water Heater
Replies: 17
Views: 1603

Re: Popping Gas Water Heater

Have you drained a bucket or two out of the bottom? Doing that will help.
by TimeRunner
Wed Sep 14, 2016 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement: Where $200K Will Last 30 Years
Replies: 93
Views: 13823

Re: Retirement: Where $200K Will Last 30 Years

I was on a paragliding tour in Colombia last year, and a young mortgage broker from Chicago was also on the tour, doing business from the hotel bar on his cellphone and laptop. Clients had no idea he was enjoying a beer from the veranda overlooking the pool while he reviewed their PDF loan docs in t...
by TimeRunner
Tue Sep 13, 2016 6:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: Forum tops 3,000,000 post mark
Replies: 30
Views: 1751

Re: Forum tops 3,000,000 post mark

Public Service Announcement reminder - You can support this website. "As an IRS-approved non-profit public charity, we depend entirely on donors like you to enable us to fulfill our mission. Your support of the Bogle Center is vital. Please send your generous tax-deductible donation to: The Joh...
by TimeRunner
Sun Sep 11, 2016 5:04 pm
Forum: Personal Consumer Issues
Topic: Hailing runners and tech Bogleheads re:Apple watch 2
Replies: 26
Views: 1567

Re: Hailing runners and tech Bogleheads re:Apple watch 2

Check out Suunto (Finland) Ambit3's, various models. Wife has Ambit3 Run, I have Ambit3 Vertical. Ambit3 Peak is the top model of this line. You can catch these on sale. They are very waterproof, and can be used for swimming, biking, running, trail running, indoor exercise (spinning, treadmill), etc...
by TimeRunner
Fri Sep 09, 2016 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 174
Views: 14354

Re: Vanguard Customer Service

I posted a secure message to TDAmeritrade re HSA investment account this morning and got a thorough reply within the hour. Wow, that raised the bar.
by TimeRunner
Thu Sep 08, 2016 6:57 pm
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 7900

Re: ["Wells Fargo Fined for Years of Harm to Customers"]

I am surprised they could fire over 5,300 WF employees "during this examination" and the news was kept out of the headlines until today. Even with non-disclosure agreements, it's rather interesting.
by TimeRunner
Wed Sep 07, 2016 10:38 pm
Forum: Personal Consumer Issues
Topic: Breaking the iPhone cycle - Any Macbook users with Android Phones?
Replies: 49
Views: 3580

Re: Breaking the iPhone cycle - Any Macbook users with Android Phones?

We're a Mac household, and I have an iPhone 5 from work, but I'm retiring at the end of this year, so I'm going to instantiate (LOL) a Project Fi account and a shiny new Pixel (used to be called Nexus) Sailfish or Marlin (haven't decided yet) phone. I do run some Windows 10 VMs on my Macs for variou...
by TimeRunner
Wed Sep 07, 2016 4:06 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 120
Views: 18466

Re: Improving the TSP [for current participants]

FRTIB's July 2016 minutes are published today at: https://www.frtib.gov/MeetingMinutes/2016/2016Jul.pdf It doesn't appear that withdrawal options or flexibilities are anywhere on their project list. The big three overarching project groupings are: Near term cybersecurity/infrastructure fixes, buildi...
by TimeRunner
Tue Sep 06, 2016 8:46 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 668
Views: 188631

Re: Variable Percentage Withdrawal (VPW)

I'm a sucker for Happy Endings. :D
by TimeRunner
Tue Sep 06, 2016 5:53 pm
Forum: Personal Consumer Issues
Topic: Road Bike vs. old timey styles ?
Replies: 11
Views: 934

Re: Road Bike vs. old timey styles ?

Don't know the answer, but if you want that geometry, then you probably would like a titanium frame. I bought a used Titanium-framed bike off of Craigslist last year for $500. It has Shimano 105 and Ultegra components and is a sweet ride. The frame geometry is close to my 1990's De Rosa. OK, I thin...
by TimeRunner
Tue Sep 06, 2016 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: FERS retirement: Final taxes and TSP
Replies: 51
Views: 5597

Re: FERS retirement: Final taxes and TSP

Victoria, Is it possible to set up the monthly withdrawal option using a specific dollar amount that would withdraw what you want to convert to a Roth, transferring it monthly to your external IRA? (IDK if this is possible.) This would also permit adjusting the withdrawal amount once each year.
by TimeRunner
Mon Sep 05, 2016 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Cannot sell my MLP fund. Am I anchoring? I think I am anchoring.
Replies: 47
Views: 2977

Re: Cannot sell my MLP fund. Am I anchoring? I think I am anchoring.

With apologies to Don Henley: "Out on the road today, I saw a DEADHEAD sticker on a Cadillac A little voice inside my head said, "Don't look back. You can never look back" I thought I knew what love investing in MLPs was What did I know? Those days are gone forever I should just let t...
by TimeRunner
Sat Sep 03, 2016 9:45 pm
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 6573

Re: Frustrated Losing Weight!

116 posts... and no one mentioned biking? Mentioned obliquely. Triathlon = swim, bike, run. Three disciplines to mix it up, work different muscles and balance skills, aerobic capacity, etc. Add something like yoga or Tai Chi and you've got a full plate. Join a local tri club and make new friends wh...
by TimeRunner
Fri Sep 02, 2016 6:32 pm
Forum: Personal Consumer Issues
Topic: Which android phone to buy?
Replies: 52
Views: 6018

Re: Which android phone to buy?

Watching for the new Google (Pixel, no longer Nexus is the rumor) phones coming supposedly Oct 4, according to Android Police site. Yes, they will be a bump up in cost, but they should be useful for at least three or four years, and able to handle many updates. I'll enable them with Project Fi. Just...
by TimeRunner
Fri Sep 02, 2016 4:01 pm
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 6573

Re: Frustrated Losing Weight!

My mental trick is to just think about it this way: Are you 20 lbs overweight? Well, there's 4 sticks of butter in a pound, so think about if you melted down 80 sticks of butter and injected them. Eek. OK, now you have a mental picture of what you have to burn off by burning more calories than you ...
by TimeRunner
Fri Sep 02, 2016 10:44 am
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 6573

Re: Frustrated Losing Weight!

My mental trick is to just think about it this way: Are you 20 lbs overweight? Well, there's 4 sticks of butter in a pound, so think about if you melted down 80 sticks of butter and injected them. Eek. OK, now you have a mental picture of what you have to burn off by burning more calories than you c...
by TimeRunner
Thu Sep 01, 2016 6:24 pm
Forum: Personal Consumer Issues
Topic: WSJ $99 for 6 months -- worth it?
Replies: 54
Views: 3157

Re: WSJ $99 for 6 months -- worth it?

As I posted upthread, beware auto-renewal. I got my renewal notice and the choice was to either set up auto-renewal with a credit card to charge $106.89 quarterly, or send them a check for $427.55 for one year. What a joke. Can you say NO? I did. They're still delivering in the hopes I'll renew, but...
by TimeRunner
Wed Aug 31, 2016 10:29 pm
Forum: Personal Consumer Issues
Topic: WSJ $99 for 6 months -- worth it?
Replies: 54
Views: 3157

Re: WSJ $99 for 6 months -- worth it?

I subscribe to WSJ. Sometimes their editorial section struggles to make business-before-mankind points, but the news sections are well researched and well written. I find a subscription, when shopped around (airline points, special deals, never retail, and especially never auto-renew), is worthwhile.
by TimeRunner
Tue Aug 30, 2016 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with my underwater house, sink or swim?
Replies: 29
Views: 3442

Re: What to do with my underwater house, sink or swim?

Artsdoctor just gave you a $400 financial consultation for free. Take the advice! :beer
by TimeRunner
Tue Aug 30, 2016 1:21 pm
Forum: Personal Consumer Issues
Topic: Thank you gift for someone with everything
Replies: 29
Views: 2407

Re: Thank you gift for someone with everything

Photo books are cool - a thin but tasteful photo book with pictures of your stay, previous photos of them from previous visits, etc. Something they can leave out for awhile and enjoy, and then put on the shelf and whenever they see it, maybe reminds them of some good times.
by TimeRunner
Mon Aug 29, 2016 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with my underwater house, sink or swim?
Replies: 29
Views: 3442

Re: What to do with my underwater house, sink or swim?

Ignore Zillow - they're full of crap. Some places are 20% high or more, others 20% or more low. They don't know your neighborhood and don't understand the nuances...like one side of the highway is more valuable than the other, or the R-1 neighborhood near downtown almost never has any properties for...
by TimeRunner
Mon Aug 29, 2016 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: best software for financial planning
Replies: 47
Views: 6072

Re: best software for financial planning

for every person holding my opinion, there's probably someone else who raves about it I guess that would be me. I find it interesting, and worth paying the annual fee. I don't rave about it, but I use it. ETA: Years ago I tried the free version, couldn't make heads or tails of it. I also find it in...
by TimeRunner
Mon Aug 29, 2016 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: best software for financial planning
Replies: 47
Views: 6072

Re: best software for financial planning

E$Planner Basic - I did see a Roth conversion section, under My Assets, Retirement Accounts, that asked for: Enable converting my IRA to Roth IRA ? Start Roth conversion in year ? End Roth conversion in year ? Conversion amount ? Conversion percentage ? . It doesn't give the user an option to vary c...
by TimeRunner
Sun Aug 28, 2016 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: B&M banking - heading the way of record stores, what to do
Replies: 43
Views: 2142

Re: B&M banking - heading the way of record stores, what to do

... However, as I approach retirement at the end of this year, I wanted to establish a banking relationship with a B&M bank so that as I age and become doddering, I had the ability to solve a banking problem or issue or process paperwork face-to-face. After asking around, I found a very reputab...
by TimeRunner
Sun Aug 28, 2016 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: B&M banking - heading the way of record stores, what to do
Replies: 43
Views: 2142

Re: B&M banking - heading the way of record stores, what to do

... However, as I approach retirement at the end of this year, I wanted to establish a banking relationship with a B&M bank so that as I age and become doddering, I had the ability to solve a banking problem or issue or process paperwork face-to-face. After asking around, I found a very reputab...
by TimeRunner
Sun Aug 28, 2016 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: B&M banking - heading the way of record stores, what to do
Replies: 43
Views: 2142

Re: B&M banking - heading the way of record stores, what to do

I've used USAA as my primary bank for probably more than 30 years, before Internet banking was invented. I've never set foot in a USAA bank branch, much less seen one. I've been quite happy with their banking services (less so with car insurance which is several hundred dollars a year more than GEIC...
by TimeRunner
Sat Aug 27, 2016 10:00 pm
Forum: Investing - Theory, News & General
Topic: The Core Four
Replies: 291
Views: 167855

Re: The Core Four

Bumping this topic to see if we can get some current comments on using- Vanguard Target fund and add REIT to the mix to simplify the portfolio selection for the Core 4 or is individual ETF/fund selection still the way to go? Thanks, One problem with simplification, at least in a taxable account, is...
by TimeRunner
Sat Aug 27, 2016 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: ? Relationship between HSA savings account and investment options
Replies: 2
Views: 403

? Relationship between HSA savings account and investment options

What are the rules about the relationship between an HSA savings account and HSA investment account. It appears that one can't simply establish an HSA account anywhere that offers one, and establish an HSA investment account anywhere and simply link the two. Instead, it appears that one has to pick ...
by TimeRunner
Thu Aug 25, 2016 7:10 pm
Forum: Personal Consumer Issues
Topic: Cell phone data plans
Replies: 62
Views: 5902

Re: Cell phone data plans

There are some issues with Fi that will be better if you are a bit of a tech geek. This isn't an Apple product... Roger. From my reading, it seems like wi-fi calling quality is an issue, which makes sense if you are connected to a busy or slow wi-fi network. Hopefully there's some workarounds for t...
by TimeRunner
Wed Aug 24, 2016 10:43 pm
Forum: Personal Consumer Issues
Topic: Internet security: which is the lesser of 2 evils?
Replies: 39
Views: 3257

Re: Internet security: which is the lesser of 2 evils?

My gov't work computer is, as we say, totally b1tched. Man'd-in-da-middle'd, sniffed, scanned, snorted, anti-virus'd, locally un-admin'd, logged, un-java'd, GPO'd, whitelisted and blacklisted. If only OPM had encrypted its personnel databases as tightly as my keel-hauled laptop. Sigh. :)
by TimeRunner
Wed Aug 24, 2016 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: FERS Social Security Supplement
Replies: 12
Views: 1320

Re: FERS Social Security Supplement

SquawkIdent wrote:Finally more info...

http://www.fedweek.com/issue-briefs/div ... m-decides/


Thanks for the follow-up. Going to be a bunch of surprised folk, 1/2 happy and 1/2 sad. Well, at least they aren't making it retroactive.
by TimeRunner
Wed Aug 24, 2016 12:55 pm
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 144
Views: 8298

Re: Are you on Facebook?

Article: 98 Personal Data Points That Facebook Uses to Target Ads to You: https://www.washingtonpost.com/news/the ... ads-to-you

(For me, answer is no.)

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