Search found 851 matches

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: 8224

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: 218
Views: 24323

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: 960

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: 4807

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: 1639

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: 30359

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: 19114

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: 1797

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: 726

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: 19114

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: 285

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: 285

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: 3756

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: 2525

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: 33
Views: 3949

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...
by TimeRunner
Thu Nov 03, 2016 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Hard to budget when HI keeps going up [Health Insurance]
Replies: 20
Views: 2549

Re: Hard to budget when HI keeps going up

Hawaii has been relatively inexpensive because air fares have been reasonable, presumably due to lower fuel costs. Homeowner's insurance has been steady. Not sure what you're beefing about, but then again, my life is acronym city at work. :)

Edit: Health Insurance?
by TimeRunner
Fri Oct 28, 2016 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: G Fund as Rising Interest Rate Hedge?
Replies: 7
Views: 858

Re: G Fund as Rising Interest Rate Hedge?

I have been using G fund as the bond holding - about 1/3 of my (pre)retirement and investment assets. G fund is good bond ballast.
by TimeRunner
Wed Oct 26, 2016 11:24 pm
Forum: Personal Consumer Issues
Topic: Tips, Tricks, Traps with 2011 Kia Sorento?
Replies: 2
Views: 304

Tips, Tricks, Traps with 2011 Kia Sorento?

Wife just inherited 2011 Kia Sorento. She's still figuring out the buttons on the dash. If you have experience with this year/model, any advice you care to offer? Any maintenance or driving tips, tricks, or traps? Seems like a nice car, plenty of power. Feels like the dash and windows are high up. W...
by TimeRunner
Fri Oct 21, 2016 12:30 pm
Forum: Investing - Theory, News & General
Topic: "Jack Bogle wouldn’t risk investing outside the US"
Replies: 101
Views: 7212

Re: "Jack Bogle wouldn’t risk investing outside the US"

Now you might say, if so much of my revenue has come from overseas, why would I need any investments outside America? Well, whenever I bought things on eBay for my personal use, a decent percentage of them came from outside the U.S. And the software that I use every day comes from all around the wo...
by TimeRunner
Fri Oct 21, 2016 10:12 am
Forum: Investing - Theory, News & General
Topic: [WSJ - What Does Nevada’s $35 Billion Fund Manager Do All Day? Nothing]
Replies: 35
Views: 2660

Re: [WSJ - What Does Nevada’s $35 Billion Fund Manager Do All Day? Nothing]

I would guess he spends a lot of time explaining and defending his investment approach to Board members, politicians, union leaders, Wall St sales people, and retirees who all think they can juice returns by doing x,y, and z. Maintaining inner peace against that constant din is work in and of itself.
by TimeRunner
Fri Oct 21, 2016 10:07 am
Forum: Investing - Theory, News & General
Topic: "Jack Bogle wouldn’t risk investing outside the US"
Replies: 101
Views: 7212

Re: "Jack Bogle wouldn’t risk investing outside the US"

Vanguard Total World Stock ETF (VT), which 1. Invests in both foreign and U.S. stocks. 2. Seeks to track the performance of the FTSE Global All Cap Index, which covers both well-established and still-developing markets. 3. Has high potential for growth, but also high risk; share value may swing up ...
by TimeRunner
Thu Oct 20, 2016 11:04 pm
Forum: Investing - Theory, News & General
Topic: "Jack Bogle wouldn’t risk investing outside the US"
Replies: 101
Views: 7212

Re: "Jack Bogle wouldn’t risk investing outside the US"

Vanguard Total World Stock ETF (VT), which 1. Invests in both foreign and U.S. stocks. 2. Seeks to track the performance of the FTSE Global All Cap Index, which covers both well-established and still-developing markets. 3. Has high potential for growth, but also high risk; share value may swing up a...
by TimeRunner
Wed Oct 19, 2016 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2017 Windows is also available
Replies: 8
Views: 1301

Re: Quicken 2017 Windows is also available

I got in on Quicken 2016 for $10 one-day mistake. I am still paralleling Quicken (running on a VM using VMware Fusion on Mac) with Banktivity. I would like to move off Quicken but Banktivity isn't supported on Android, so I'm looking for a non-cloud solution that will run on a Mac and Android. Sugge...
by TimeRunner
Wed Oct 19, 2016 8:42 pm
Forum: Personal Consumer Issues
Topic: Samsung Exploding Washing Machines & CPSC Involvement
Replies: 33
Views: 3949

Re: Samsung Exploding Washing Machines & CPSC Involvement

We have three Samsung products, an LED TV, a dishwasher, and a natural gas clothes dryer. The TV's worked flawlessly, although it has an ethernet connection and capability of firmware updates, but there hasn't been one for years. Still, it's just fine. I'd give it an A-. The dishwasher has an issue ...
by TimeRunner
Wed Oct 19, 2016 12:42 pm
Forum: Personal Consumer Issues
Topic: Setting up a Server
Replies: 19
Views: 1735

Re: Setting up a Server

We have a Synology DS-xxx NAS server. Nonetheless, for your simple use case, please look at Google Play and Google Photos before you invest in a server and take on administration, backup, software updates, etc. Google will also perform better than your NAS when you are travelling, because your home...
by TimeRunner
Tue Oct 18, 2016 5:52 pm
Forum: Personal Consumer Issues
Topic: Setting up a Server
Replies: 19
Views: 1735

Re: Setting up a Server

We have a Synology DS-xxx NAS server. Nonetheless, for your simple use case, please look at Google Play and Google Photos before you invest in a server and take on administration, backup, software updates, etc. Google will also perform better than your NAS when you are travelling, because your home'...
by TimeRunner
Sun Oct 16, 2016 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Proper TSP allocation - I am 62
Replies: 18
Views: 1529

Re: Proper TSP allocationI am 62

Delamer has a good point - until you post up your investment, Roth, IRA, and other assets, no one has any idea if your TSP allocation and withdrawal are reasonable or not. If you're asking, you need to fill in the blanks or the advice you receive is kind of shooting in the dark.
by TimeRunner
Tue Oct 11, 2016 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Crossing the line (becoming a miser)
Replies: 71
Views: 9179

Re: Crossing the line (becoming a miser)

I think Im too extreme and require a rebalance to find an equilibrium that makes sense financially while not sacrificing my health (diet) and hobbies (biking, photography etc). Per your other thread about credit card bills and emergency funds, don't "rebalance" until you've paid off your ...
by TimeRunner
Tue Oct 11, 2016 12:36 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total World Stock Index Fund Review
Replies: 44
Views: 6877

Re: Vanguard Total World Stock Index Fund Review

Do you hold all of your ROTH in this 1 fund alone? If yes, then how do you rebalance with bonds? Retirement bonds consist solely of TSP G Fund (as fed employee participant retiring at end of this year). I also have C,S, and I funds in the TSP, so rebalancing means simply buying or selling G fund sh...
by TimeRunner
Mon Oct 10, 2016 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total World Stock Index Fund Review
Replies: 44
Views: 6877

Re: Vanguard Total World Stock Index Fund Review

In the interests of simplicity and resisting the temptation to play with the tilting flavor-of-the-season (perhaps small-cap value this Fall), I've moved my $400K+ ROTH to VT ETF. Updated IPS and will really try to resist further changes. Hope to mirror this in investment and TIRA to Roth conversion...
by TimeRunner
Mon Oct 10, 2016 9:49 pm
Forum: Investing - Theory, News & General
Topic: The Two Key Questions for Financial Literacy
Replies: 19
Views: 2562

Re: The Two Key Questions for Financial Literacy

You can get Matt's daily column delivered to your inbox, free, by subscribing at this link: https://www.bloomberg.com/view/?alcmpid ... orm=levine

Enjoyable morning read....
by TimeRunner
Sun Oct 09, 2016 12:16 am
Forum: Investing - Help with Personal Investments
Topic: Why is Vanguard Total World Stock More Expensive Than Total US and Total International?
Replies: 14
Views: 2341

Re: Why is Vanguard Total World Stock More Expensive Than Total US and Total International?

Why is Vanguard Total World Stock ETF (VT)'s ER 0.14%, and the same in Index Fund Investor shares (VTWSX) ER is 0.25%? (There are no admiral mutual fund shares.) The ER difference is puzzling to me. The same logic applies to why Admiral shares are cheaper than Investor shares. Why do you think that...
by TimeRunner
Sat Oct 08, 2016 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Vanguard Total World Stock More Expensive Than Total US and Total International?
Replies: 14
Views: 2341

Re: Why is Vanguard Total World Stock More Expensive Than Total US and Total International?

Why is Vanguard Total World Stock ETF (VT)'s ER 0.14%, and the same in Index Fund Investor shares (VTWSX) ER is 0.25%? (There are no admiral mutual fund shares.)

The ER difference is puzzling to me.
by TimeRunner
Sat Oct 08, 2016 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Now that I'm retired.... [Health insurance re-evaluation]
Replies: 6
Views: 957

Re: Now that I'm retired....

Unless you really think it's worth it, consider dumping dental and vision "insurance", and put those premiums aside to pay for them out-of-pocket.
by TimeRunner
Fri Oct 07, 2016 11:46 pm
Forum: Personal Consumer Issues
Topic: Join AARP
Replies: 56
Views: 3222

Re: Join AARP

Our monthly AARP membership cards and invitation goes straight from mailbox to shredder, along with the Neptune Society's "Free Prepaid Cremation" offer. (Nice oxymoron....)
by TimeRunner
Thu Oct 06, 2016 11:31 am
Forum: Investing - Help with Personal Investments
Topic: TSP Allocations
Replies: 15
Views: 1493

Re: TSP Allocations

On another point, I personally have no problem with OP's proposal to invest 100 percent into U.S. and international equities (the C, S, and I Funds) -- no bonds. I've been investing into the TSP since 1987 and, except when it was required for the first year or two of the TSP's existence, I've never...
by TimeRunner
Thu Oct 06, 2016 1:38 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 93
Views: 8846

Re: Fidelity or Vanguard

Interesting "Reuters Investigates" article today on Fidelity owners' self-enrichment at the expense of certain active funds investors: Family First - How the owners of Fidelity get richer at everyday investors’ expense Lead paragraph: "The billionaire Johnson clan has a private ventur...
by TimeRunner
Wed Oct 05, 2016 9:09 pm
Forum: Personal Consumer Issues
Topic: Books to help prepare us for the inevitable aging process
Replies: 32
Views: 2662

Re: Books to help prepare us for the inevitable aging process

This is a not-terribly happy but quite readable and well-written book by a surgeon and New Yorker magazine writer: Being Mortal . It will adjust your perspective and hopefully engage you in thinking proactively about facing "the end" - or, perhaps like most people, you'll just put those th...
by TimeRunner
Mon Oct 03, 2016 10:00 am
Forum: Personal Consumer Issues
Topic: Nonstick pots and pans, what is the consensus?
Replies: 45
Views: 3890

Re: Nonstick pots and pans, what is the consensus?

We do 90% of our cooking on a Weber Genesis BBQ, cast iron grill.
by TimeRunner
Sat Oct 01, 2016 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Are REITS appropriate in a "buy and hold" portfolio?
Replies: 18
Views: 2274

Re: Are REITS appropriate in a "buy and hold" portfolio?

See Core Four portfolio. Further reading in thread here. Suggests REITS as 10% of equity allocation. Works for me.
by TimeRunner
Fri Sep 30, 2016 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Got myself into some trouble.. [Use emergency fund for credit card debt?]
Replies: 48
Views: 6459

Re: Got myself into some trouble..

If your CC debt is growing faster than your EF, and it probably is, use your EF to pay off your CC. You can always use your CC in an emergency, but hopefully you won't have one before you build your EF up again with a paid off CC. Oh, and YMMV! :beer
by TimeRunner
Fri Sep 30, 2016 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Finding the Right Mortgage Broker
Replies: 5
Views: 509

Re: Finding the Right Mortgage Broker

I'm in coastal central Calif, but one issue I've run into in trying to use large out-of-state mortgage providers (I'm looking at you, Provident Funding) is that you can turn in all the paperwork and then when it's time to get an appraisal, they may contract with someone who is not familiar with your...
by TimeRunner
Fri Sep 30, 2016 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: HSABank: How to withdraw money and reflect it in taxes?
Replies: 56
Views: 3346

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

Are you sure you're in the HealthSavings Administrators account? The screen in my post was from HSABank, which is the Bank that we are referring to in this thread. Login screen: https://myaccounts.hsabank.com/Login.aspx Health Savings Administrators has a similar name but is a completely different ...
by TimeRunner
Thu Sep 29, 2016 11:50 pm
Forum: Investing - Theory, News & General
Topic: Anybody using Rick Ferri's "Total Economy Portfolio"?
Replies: 27
Views: 3923

Re: Anybody using Rick Ferri's "Total Economy Portfolio"?

I prefer Rick's Core Four portfolio. Further reading in thread here.
by TimeRunner
Thu Sep 29, 2016 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Milestone Today - $1.5M
Replies: 128
Views: 17215

Re: Net Worth Milestone Today - $1.5M

Meg77's gonna hit $2M net worth by the time this thread tapers off. 8-) (Congrats!)
by TimeRunner
Thu Sep 29, 2016 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: HSABank: How to withdraw money and reflect it in taxes?
Replies: 56
Views: 3346

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

What you are being told is different than what I have experienced. If I use the website to move money between my investment account and my bank account as an online ACH transaction, I hit the $500/day limit. Screenshot shows trying to withdraw $500 when another transaction is already queued up. I ca...
by TimeRunner
Wed Sep 28, 2016 8:39 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 131
Views: 20088

Re: Improving the TSP [for current participants]

FRTIB 2017-2021 Strategic Plan has been released. The good news is that withdrawal improvements appear to be addressed on page 21, sections D2.1 and D2.2: TSP 3D: Dialogue, Delivery, and Data D1.1. Identify critical touch points in a participant’s life that represent opportunities for the participa...
by TimeRunner
Tue Sep 27, 2016 10:22 pm
Forum: Personal Consumer Issues
Topic: Recommended Brand/Model for a Heart Rate Monitor?
Replies: 15
Views: 1817

Re: Recommended Brand/Model for a Heart Rate Monitor?

Garmins finally died, and we've had trouble with their upload software from Macs. We both bought Suunto Ambit 3's (Vertical for me, Sport for her) and are happy with them and with the movescount website. They will do an overnight sleep test, although we haven't tried that. We use for swim, bike, run...
by TimeRunner
Tue Sep 27, 2016 6:31 pm
Forum: Personal Consumer Issues
Topic: WSJ Online Subscription
Replies: 16
Views: 1966

Re: WSJ Online Subscription

Waking up old thread rather than posting new. Wife used airline miles to subscribe to WSJ. Print edition delivers to the driveway every morning like clockwork. Stupidly, when you subscribe through a third party (such as mags for miles), the subscription is PRINT ONLY and no longer includes full digi...
by TimeRunner
Tue Sep 27, 2016 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Comcast incorrectly told us there was an internet line - now what? - solved
Replies: 47
Views: 3174

Re: Comcast incorrectly told us there was an internet line - now what?

Can you install an optical fiber drop yourself (ditch witch, contractor, whatever) to Comcast's closest service drop and get agreement from them to hook you up? You can add an extra loop or two in front of each neighbor with a plastic pull box so they could get service if they ran a line to it and p...

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