Search found 886 matches

by TimeRunner
Wed Jan 18, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Why Vanguard why? (Donating to Donor advised Fund)
Replies: 12
Views: 819

Re: Why Vanguard why? (Donating to Donor advised Fund)

OP did it the way I've done it previously several times - initiate at Fido and they send forms to Vanguard. Simply put, VG screwed up. It's not the OP's fault.
by TimeRunner
Tue Jan 17, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: Found! [What to do with old books]
Replies: 21
Views: 2014

Re: Found! [What to do with old books]

Speaking from recent personal experience, do your kids a favor and downsize your collection. We took over one thousand paperbacks to a local thrift store and hundreds of moldy and/or water-damaged hardback books to the dump transfer station. We had to use a utility trailer to transport them. They we...
by TimeRunner
Tue Jan 10, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: looking for a cloud backup service that works with mapped network drives
Replies: 11
Views: 767

Re: looking for a cloud backup service that works with mapped network drives

Revisioning was a reason I selected idrive - you can go back ten versions if necessary. See https://www.idrive.com/idrive-rewind I have a Synology NAS and appreciate that it can also run an iDrive client and back itself up with no computer needed. (I have no relationship to the company other than be...
by TimeRunner
Mon Jan 09, 2017 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: How Severe is an HSA Audit?
Replies: 29
Views: 3376

Re: How Severe is an HSA Audit?

This is exactly why I have started reimbursing myself from my HSA.... Me too. Last year I reimbursed myself for 2012-10/2016 qualified medical expenses then began charging them to the HSA account going forward. Hopefully the account will last at least another four or five years before it's emptied.
by TimeRunner
Tue Jan 03, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: A kitchen timer made in the USA.........
Replies: 22
Views: 1741

Re: A kitchen timer made in the USA.........

Using Google Pixel phone here. "OK Google, set a timer for 15 minutes." "Got it. 15 minutes." Easy.
by TimeRunner
Sun Jan 01, 2017 6:48 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 670
Views: 16201

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

2379.50

SP500 close + 6.283185307% increase. One pi was not enough pi last year. This year we'll try one pi for me, and one for you.
by TimeRunner
Fri Dec 30, 2016 9:16 pm
Forum: Personal Consumer Issues
Topic: What's your usual retirement day like ?
Replies: 195
Views: 40934

Re: What's your usual retirement day like ?

Tomorrow is retirement day #1 after 36.75 years with FedGov. I'm going to strap on a light camelback and go for a trail run with my wife. It will be chilly in the morning but will warm up nicely by the time we descend. Gotta do these things while we can!
by TimeRunner
Thu Dec 29, 2016 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Paying myself a salary for investment and tax management?
Replies: 71
Views: 4347

Re: Paying myself a salary for investment and tax management?

johnanglemen wrote:
TimeRunner wrote:At the top of the thread, OP says he's 70 years old. Trolling thread.


Never said I'm 70 anywhere.

You're right. I crossed this thread with another - the fellow trying to bake his own index fund. Sorry and good luck with this - let us know if you pull it off. Happy New Year!
by TimeRunner
Thu Dec 29, 2016 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Paying myself a salary for investment and tax management?
Replies: 71
Views: 4347

Re: Paying myself a salary for investment and tax management?

At the top of the thread, OP says he's 70 years old. Trolling thread.
by TimeRunner
Wed Dec 28, 2016 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Changing State of Residency to Avoid State Income Taxes
Replies: 24
Views: 2662

Re: Changing State of Residency to Avoid State Income Taxes

It's been answered a few times on this board (google is your friend), but FTB Publication 1031 says: https://www.ftb.ca.gov/forms/2015/15_1031.pdf G Guidelines for Determining Residency The underlying theory of residency is that you are a resident of the place where you have the closest connections....
by TimeRunner
Tue Dec 27, 2016 10:11 pm
Forum: Investing - Theory, News & General
Topic: Does Vanguard always have our best interests in mind?
Replies: 55
Views: 4549

Re: Does Vanguard always have our best interests in mind?

neomutiny06 wrote:They went from recommending equity portfolios to include only 20% international, to 30%, to 40%, and now talk of getting to 50%.
What talk from Vanguard?
by TimeRunner
Tue Dec 27, 2016 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 12585

Re: I'll never save a 20% down payment. Rent for life?

Don't tap retirement. Better to go 30 year and then re-fi when you can handle the 15 year payments. LEO is a lot harder these days. Wherever you are, thank you for your service.
by TimeRunner
Mon Dec 26, 2016 6:58 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads and stocks picking
Replies: 26
Views: 1994

Re: Bogleheads and stocks picking

You might want to consider opening a Donor Advised Fund (DAF) and contributing some of those highly appreciated stock assets. You may have just enough time to do that this tax year, maybe, maybe not.
by TimeRunner
Fri Dec 23, 2016 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Reliable washer/dryer brands
Replies: 42
Views: 2868

Re: Reliable washer/dryer brands

Worth mentioning again that a good UL-listed wall-mount surge protector should be used on with appliances that have electronic controls. I learned the hard way. You will be surprised how many of these you have once you start doing a thoughtful inventory. The Samsung repair guy mentioned this. Do yo...
by TimeRunner
Fri Dec 23, 2016 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Reliable washer/dryer brands
Replies: 42
Views: 2868

Re: Reliable washer/dryer brands

Worth mentioning again that a good UL-listed wall-mount surge protector should be used on with appliances that have electronic controls. I learned the hard way. You will be surprised how many of these you have once you start doing a thoughtful inventory.
by TimeRunner
Thu Dec 22, 2016 9:25 pm
Forum: Personal Consumer Issues
Topic: WSJ $99 for 6 months -- worth it?
Replies: 62
Views: 4694

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

Got fed up with the monkey business......just renewed for $179.00/yr. Probably better deals out there but this time I just wanted it done! That's a good price. The last time they asked me to renew it was $427.55. Yeah, right. Like many, I'm using airline miles in the name of our oldest parakeet. Ne...
by TimeRunner
Thu Dec 22, 2016 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: International Index Funds
Replies: 29
Views: 2823

Re: International Index Funds

There's always VT, the ultimate long-term Boglehead ETF: https://personal.vanguard.com/us/funds/ ... IntExt=INT

Currently 54.1% USA, the rest the rest. :beer
by TimeRunner
Thu Dec 22, 2016 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Experience selling car to Carmax?
Replies: 42
Views: 5123

Re: Experience selling car to Carmax?

We sold a 2000 Honda CRV last month with 140K+ miles to Carmax in good condition except for some rust on one of the window pillars. We got about $200 more than we would have bottom-priced it for if we had sold it on Craigslist, and the whole deal was done within 90 minutes. Wife was relieved to not ...
by TimeRunner
Mon Dec 19, 2016 1:05 pm
Forum: Investing - Theory, News & General
Topic: Index funds is the reason for overvalued market
Replies: 23
Views: 2981

Re: Index funds is the reason for overvalued market

I also remember reading opinions that said that gee, all the baby boomers retiring will be unwinding all their positions, and less people will be putting money into the market, yada yada. <rolleyes>
by TimeRunner
Sun Dec 18, 2016 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity ERs - Look Into Your Crystal Ball
Replies: 21
Views: 1688

Re: Fidelity ERs - Look Into Your Crystal Ball

I don't know where OP is located, but another consideration would be if OP has a relatively-local Fidelity office nearby. It's nice to be able to walk in and get paperwork, signatures, etc sorted out if necessary.
by TimeRunner
Fri Dec 16, 2016 9:25 am
Forum: Personal Finance (Not Investing)
Topic: 401K Rollover from Fidelity to Vanguard
Replies: 3
Views: 406

Re: 401K Rollover from Fidelity to Vanguard

I'd ask Fidelity first. You might want to roll your 401k into a Fido IRA, then move your VG assets there to consolidate everything there, rather than consolidate at VG. Something to consider.
by TimeRunner
Sat Dec 10, 2016 11:06 am
Forum: Investing - Theory, News & General
Topic: The value of OMY for early retirees (bridge years) [One More Year]
Replies: 49
Views: 3957

Re: The value of OMY for early retirees (bridge years)

Time > $ I'm going at the end of this month at 62-ish. You'll know when it's time to go when you won't care about doing this analysis any more.
by TimeRunner
Sat Dec 10, 2016 9:44 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 76
Views: 6305

Re: Vanguard's new "account overview" page... BOO!

TimeRunner, 1. if in-kind, does this mean you are now holding Vanguard funds at Fidelity? If so, is there any (big) difference in one's costs between holding Vanguard funds at Vanguard versus holding the same funds at Fidelity? 2. does Fidelity say how much longer they're offering the bonus? (ok, I...
by TimeRunner
Fri Dec 09, 2016 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Collection agency won't honor POA for grandmother
Replies: 16
Views: 1551

Re: Collection agency won't honor POA for grandmother

Offer to give the them title to her time-share. If they go for it, buy one for $1 and put the Debt Collection agency on it as owner. :twisted:
by TimeRunner
Fri Dec 09, 2016 10:11 pm
Forum: Investing - Theory, News & General
Topic: Turning the noise level WAY down
Replies: 6
Views: 1297

Re: Turning the noise level WAY down

I've become a recent convert to VG Total Word (VT) ETF. It's the most Boglehead investment there is, and the expense ratio is heading to .11% . No rebalancing ever, with the entire world in your portfolio in one stock. Schweet.
by TimeRunner
Fri Dec 09, 2016 5:27 pm
Forum: Personal Consumer Issues
Topic: Fidelity password security policies
Replies: 39
Views: 7765

Re: Fidelity password security policies

Sorry for bumping an old thread, but if you have special characters in your password does that exclude using their phone system or do they have a workaround? "When calling by phone, translate your password into numbers using the telephone keypad. There is no case sensitivity. All special chara...
by TimeRunner
Fri Dec 09, 2016 8:24 am
Forum: Personal Consumer Issues
Topic: Advice on Medical Alert System
Replies: 15
Views: 658

Re: Advice on Medical Alert System

Thanks mouses and ResearchMed. I'll see what I can do. Mom can be like an 88-year-old, less rich version of Meryl Streep in "The Devil Wears Prada". :)
by TimeRunner
Thu Dec 08, 2016 9:43 pm
Forum: Personal Consumer Issues
Topic: Advice on Medical Alert System
Replies: 15
Views: 658

Re: Advice on Medical Alert System

We got 88 year old Mom a Philips lifeline system with fall detection pendant last month. If you engage those folks in chat on their website, you'll probably get similar "on the fly" offer for free shipping, no setup fee, save $5/month, yada yada. I suspect there's sales targets. :-) It's m...
by TimeRunner
Thu Dec 08, 2016 9:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 76
Views: 6305

Re: Vanguard's new "account overview" page... BOO!

As I posted in this thread, "Fidelity Transfer Bonus": https://www.bogleheads.org/forum/viewtopic.php?f=1&t=204829 "I decided last month to move my Roth IRA to Fidelity. The process was incredibly easy, and for one question I had, live chat worked great. The entire process was don...
by TimeRunner
Thu Dec 08, 2016 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity transfer bonus
Replies: 14
Views: 1794

Re: Fidelity transfer bonus

I decided last month to move my Roth IRA to Fidelity. The process was incredibly easy, and for one question I had, live chat worked great. The entire process was done on the website, which kept me informed of the status of in-kind asset transfers and liquidation of the settlement fund. Great website...
by TimeRunner
Wed Dec 07, 2016 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement: Where $200K Will Last 30 Years
Replies: 113
Views: 18889

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

I was reminded via bookmarking this thread that the other funny thing about that guy I posted about in September upthread was that he didn't speak Spanish other than Cerveza, por favor. So he would write an email with his hotel requests and send it to the Front Desk. They'd use Google Translate to t...
by TimeRunner
Tue Nov 29, 2016 9:36 pm
Forum: Personal Consumer Issues
Topic: "Musk Says Tesla’s Solar Shingles Will Cost Less Than a Dumb Roof"
Replies: 78
Views: 8867

Re: "Musk Says Tesla’s Solar Shingles Will Cost Less Than a Dumb Roof"

What's changed is that California used to be the big regulated market that was driving Electric vehicle development and manufacturing/sales, but now many markets are following that lead, including CHINA, which is using regulation to help domestic nascent vehicle manufacturers leapfrog traditional (o...
by TimeRunner
Tue Nov 29, 2016 9:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 230
Views: 26331

Re: Roll Call for the Retirement Class of 2016!

Countdown clock says 30 days to go tomorrow (ret date 12/30). Please Lord, Bring It On. :beer <--Champagne....
by TimeRunner
Mon Nov 28, 2016 1:16 pm
Forum: Investing - Theory, News & General
Topic: Commodities in your assets allocation
Replies: 22
Views: 1084

Re: Commodities in your assets allocation

After hitting an all-time high in 2014, as Time Magazine called it in 2015, The National High-Price Bacon Nightmare is Over: http://time.com/money/3684044/cheap-bacon-pork-prices/

Oh thank heaven. :)
by TimeRunner
Sun Nov 27, 2016 6:14 pm
Forum: Personal Consumer Issues
Topic: Why do reviewers love the Dell XPS 13 but users don't?
Replies: 57
Views: 5546

Re: Why do reviewers love the Dell XPS 13 but users don't?

Just as an FYI, Wirecutter and Sweethome were purchased last month by the New York Times Company: http://www.nytimes.com/2016/10/25/busin ... utter.html
by TimeRunner
Sun Nov 20, 2016 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: TSP or Vanguard
Replies: 17
Views: 1768

Re: TSP or Vanguard

You are comparing apples and oranges unless you have your TSP funds and Vanguard funds invested the same way. The concerns about the limited withdrawal option in TSP are overblown. Leave your money in the TSP. If at some point you decide that you need more flexibilty than the ability to change your...
by TimeRunner
Fri Nov 18, 2016 10:52 pm
Forum: Personal Consumer Issues
Topic: Experience with Honda airbag recall?
Replies: 152
Views: 31417

Re: Experience with Honda airbag recall?

Element here. I got the driver side bag replaced in 2015 and the passenger recall mid-2016. My nearest dealer said we'll call you, but nothing so far. Nobody is riding in that seat. I too worry that the bags are all bad. The Honda dealers I've dealt with since I've owned this thing (5 so far) are r...
by TimeRunner
Wed Nov 16, 2016 10:34 pm
Forum: Investing - Theory, News & General
Topic: Why are bonds dropping? They are supposed to be safe.
Replies: 171
Views: 20207

Re: Why are bonds dropping? They are supposed to be safe.

I just hope the OP got his question(s) answered. :)
by TimeRunner
Wed Nov 16, 2016 11:24 am
Forum: Investing - Theory, News & General
Topic: Download quotes to excel spreadsheet
Replies: 26
Views: 1943

Re: Download quotes to excel spreadsheet

Yes, I know there are online (e.g. Google) spreadsheets with this capability but MY spreadsheet is an old-fashioned Excel spreadsheet that runs on my computer. I'm not looking to change that. So, I don't like being dependent on a single, apparently unofficial, solution. Another, more robust, soluti...
by TimeRunner
Mon Nov 14, 2016 6:39 pm
Forum: Investing - Theory, News & General
Topic: Fidelity "Activity Assessment Fee"
Replies: 2
Views: 780

Re: Fidelity "Activity Assessment Fee"

See: https://scs.fidelity.com/webxpress/help/topics/help_definition_a.shtml "Activity Assessment Fee The fee the self-regulatory organizations must pay to the SEC. This fee is collected by brokerage firms on sale transactions in equity securities and forwarded to the SROs, and ultimately the go...
by TimeRunner
Mon Nov 14, 2016 3:42 pm
Forum: Investing - Theory, News & General
Topic: Why are bonds dropping? They are supposed to be safe.
Replies: 171
Views: 20207

Re: Why are bonds dropping? They are supposed to be safe.

I have the Vanguard Total bond Index fund if that matters. But you have access to the G fund, and there's countless threads about using that fund for bonds. Today the G fund closing price will be fractionally more than yesterday. I "G"uarentee it. Anyways, you haven't lost a penny if you ...
by TimeRunner
Fri Nov 11, 2016 10:54 pm
Forum: Investing - Theory, News & General
Topic: Bond reporting on statement, don't understand
Replies: 2
Views: 299

Re: Bond reporting on statement, don't understand

The market price is quoted as a percentage of par value. In this case the par value is $5,000 so the market value is equal to $5,000 x 1.058860. Ah, that makes sense, although I don't know why they show it as 105 instead of 1.05 , or why if the bond value is $5,000, there's 5,000 "units" ...
by TimeRunner
Fri Nov 11, 2016 8:00 pm
Forum: Investing - Theory, News & General
Topic: Bond reporting on statement, don't understand
Replies: 2
Views: 299

Bond reporting on statement, don't understand

Looking over elderly mom's account statements. Not understanding why individual bond units and costs are stated this way. For example: BOND..........PAR.................Market Price.......Market Value........Adj Cost Basis......Unrealized Gain/Loss...Est Annual Inc SD123XYZ...5,000.....................
by TimeRunner
Wed Nov 09, 2016 10:02 pm
Forum: Personal Consumer Issues
Topic: google phone project fi
Replies: 37
Views: 4093

Re: google phone project fi

Work provides me an iPhone 5. Since I'm retiring 12/30/16, I have lived with the reduced battery capacity and slightly swollen case (battery expansion). No changes this late in the game! But pending retirement means I needed to buy a personal phone. A few friends were on Project Fi and loved it. I r...
by TimeRunner
Sun Nov 06, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: MacBook Air/ Chromebook
Replies: 37
Views: 3095

Re: MacBook Air/ Chromebook

I was disappointed with Apple's Macbook/Pro announcements last week. Keeping the 2009 MB Pro alive, and added an Intel NUC ( http://www.intel.com/content/www/us/en/nuc/overview.html ) bolted to the back of a 24" Dell Ultrascan monitor to replace several Windows VMs running on the MB Pro. It's a...
by TimeRunner
Fri Nov 04, 2016 8:38 pm
Forum: Personal Consumer Issues
Topic: Samsung Exploding Washing Machines & CPSC Involvement
Replies: 50
Views: 5762

Re: Samsung Exploding Washing Machines & CPSC Involvement

From https://en.wikipedia.org/wiki/Samsung : "Samsung has a powerful influence on South Korea's economic development, politics, media and culture and has been a major driving force behind the "Miracle on the Han River".[10][11] Its affiliate companies produce around a fifth of South K...

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