Search found 704 matches

by TimeRunner
Tue Jul 26, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Premium increase for federal employee long term care insurance
Replies: 46
Views: 2904

Re: Premium increase for federal employee long term care insurance

I'm all for Hospice, I just want to avoid hopeless LTC nursing home style, so yes, I do hope to live large and die quickly. A man can dream. :wink: On a more useful note, an article of interest (7/26/16) to those currently enrolled in FLTCIP: Most long-term insurance care enrollees are eligible for ...
by TimeRunner
Sun Jul 24, 2016 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Premium increase for federal employee long term care insurance
Replies: 46
Views: 2904

Re: Premium increase for federal employee long term care insurance

I may just have to stop going to the gym so I won't live so long! :( Keep going to the gym. I think the answer for me is to not live in Long Term Care so long. I'd rather have no policy and die quickly than a long policy and live a physically and/or mentally debilitated life...but that's just me. Y...
by TimeRunner
Fri Jul 22, 2016 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Premium increase for federal employee long term care insurance
Replies: 46
Views: 2904

Re: Premium increase for federal employee long term care insurance

Should we roll the dice and bet on the the likelihood of not needing many (>5) years of LTC or be cautious and enroll in LTC insurance, knowing the downside of paying high premiums which are likely to increase sharply in the coming years? My thanks to all who replied. From the article I linked to i...
by TimeRunner
Thu Jul 21, 2016 5:53 pm
Forum: Personal Consumer Issues
Topic: medical alert bracelet or something
Replies: 8
Views: 514

Re: medical alert bracelet or something

Wife and I use RoadID interactive. Many styles of tags are available with a small additional fee for the service of giving first responders emergency access your info via call center or website. https://www.myroadid.com/WhatIsInteractiveID.aspx should get you started. (Have no connection to this com...
by TimeRunner
Thu Jul 21, 2016 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house with a partner with separate assets
Replies: 13
Views: 1254

Re: Buying a house with a partner with separate assets

I did something similar about nine years ago, prior to official marriage. We used an all-around knowledgeable attorney to write an Agreement for Ownership of the property, signed prior to executing the purchase and mortgage. Without getting into specifics, the agreement covers shared mortgage paymen...
by TimeRunner
Thu Jul 21, 2016 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Premium increase for federal employee long term care insurance
Replies: 46
Views: 2904

Re: Premium increase for federal employee long term care insurance

I'm a Fed skipping the LTCI option. The numbers just don't pan out, and I don't want to be fighting with JH over paperwork and coverage when I can't lift a spoon. Here's an oft-quoted article: http://www.caniretireyet.com/long-term- ... buying-it/

Good luck to us all.
by TimeRunner
Thu Jul 21, 2016 10:37 am
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 263
Views: 27640

Re: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]

I think the 'method' could have been boiled down to a simple online website calculator, and could be incorporated as an alternative analysis in the VPW spreadsheet if there was sufficient interest. Thank you for saving most of us $60. "If it sounds too good to be true...." Thanks again. :...
by TimeRunner
Wed Jul 20, 2016 10:24 pm
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 263
Views: 27640

Re: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]

I think the 'method' could have been boiled down to a simple online website calculator, and could be incorporated as an alternative analysis in the VPW spreadsheet if there was sufficient interest. Thank you for saving most of us $60. "If it sounds too good to be true...." Thanks again. :b...
by TimeRunner
Wed Jul 20, 2016 7:47 pm
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 6799

Re: HOA Swimming Pool Trespassing Issue

8 pm (pool closing time) is a fine time to chlorinate and shock treat the pool. "Dude, my eyes are burning." :wink:
by TimeRunner
Tue Jul 19, 2016 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Bank - TD Ameritrade charging commission.
Replies: 17
Views: 1168

Re: HSA Bank - TD Ameritrade charging commission.

Take note of footnote #2: "To trade commission-free ETF's, you must be enrolled in the program. If you sell an eligible ETF within 30 days of it being purchased commission-free, a short-term trading fee will apply."

http://www.tdameritraderetirement.com/forms/ACS1009.pdf
by TimeRunner
Mon Jul 18, 2016 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding I-orp Logic
Replies: 3
Views: 366

Re: Understanding I-orp Logic

I questioned similar results a few months ago and wrote the author at the contact email address on the site. His reply: "This is a topic that gets a lot of attention, to the point that I addressed it in a scholarly paper at http://www.iarfc.org/documents/issues/Vol%2015%20Issue1.pdf, page 47. C...
by TimeRunner
Mon Jul 18, 2016 9:43 am
Forum: Personal Consumer Issues
Topic: Electric Scooter?
Replies: 54
Views: 4011

Re: Electric Scooter?

The thread is kinda all over the map, but if I was looking at a small motorcycle, this one is pretty cool: https://www.kawasaki.com/Products/2017-Z125-PRO# . It's Kawasaki's answer to the Honda Grom. Yes -- we've gone from a 49-cc scooter to a 125-cc motorcycle. :D Not a lot of difference between a...
by TimeRunner
Sun Jul 17, 2016 10:07 pm
Forum: Personal Consumer Issues
Topic: Electric Scooter?
Replies: 54
Views: 4011

Re: Electric Scooter?

The thread is kinda all over the map, but if I was looking at a small motorcycle, this one is pretty cool: https://www.kawasaki.com/Products/2017-Z125-PRO# . It's Kawasaki's answer to the Honda Grom.
by TimeRunner
Sun Jul 17, 2016 9:06 am
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 263
Views: 27640

Re: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]

I didn't see Roth conversions mentioned in the Table of Contents. Decisions around conversions between retirement and claiming SS will be impactful for me. Is that discussed in the book?
by TimeRunner
Thu Jul 14, 2016 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Boss cutting salary in response to employee not doing "job"
Replies: 78
Views: 8599

Re: Boss cutting salary in response to employee not doing "job"

Also, as a reminder...it's a very small company, the employee is the only person in the company who works in an office (in California), the boss is hardly ever there, and the boss is "often overseas mostly running the business." The employee's duties are mostly secretarial. Arranging for m...
by TimeRunner
Thu Jul 14, 2016 10:04 am
Forum: Investing - Help with Personal Investments
Topic: TSP Loan Question
Replies: 14
Views: 754

Re: TSP Loan Question

Have you researched low-money-down mortgage options? For example, an article from Google search: http://themortgagereports.com/17670/7-m ... uyers-2015

I would not borrow from my TSP for a home mortgage. You can rent a home, but you can't rent retirement.
by TimeRunner
Thu Jul 14, 2016 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Boss cutting salary in response to employee not doing "job"
Replies: 78
Views: 8599

Re: Boss cutting salary in response to employee not doing "job"

As Snagglepuss says, https://s-media-cache-ak0.pinimg.com/236x/14/f6/91/14f691764eabae920b1070052158b96d.jpg Your friend is reluctant to do these other duties - she sounds like she would be unhappy regardless of whether they are considered within her job duties. An unhappy employee in a small compan...
by TimeRunner
Mon Jul 04, 2016 7:06 pm
Forum: Investing - Theory, News & General
Topic: Good one-year return for REITs: time to rebalance
Replies: 17
Views: 2261

Re: Good one-year return for REITs: time to rebalance

I rebalanced last Friday and put some into Total Stock Adm and International Stock Adm. Core4 (https://www.bogleheads.org/blog/core-four-portfolios/) has worked very well here.
by TimeRunner
Sun Jul 03, 2016 10:32 pm
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8221

Re: synthetic oil changes

I change at 50% of the maint minder #, syn oil only. The old oil is recycled so it's not very harmful. I do the oil changes myself (easy peasy). Just curious - if you change (and reset) at 50% for the maintenance minder, how do you know when other service is due? For example, we just hit the 105k m...
by TimeRunner
Sun Jul 03, 2016 9:26 am
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8221

Re: synthetic oil changes

Vehicle is driven less than 7K/year, mostly short drives with a few multi-hundred mile desert/mountain trips. Vehicle housed outside a few stone's' throws from the beach, where night air is salty and damp (but non-foggy days are gorgeous). I can afford to change it, do it myself, feel like once-a-ye...
by TimeRunner
Sat Jul 02, 2016 8:07 pm
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8221

Re: synthetic oil changes

I change at 50% of the maint minder #, syn oil only. The old oil is recycled so it's not very harmful. I do the oil changes myself (easy peasy).
by TimeRunner
Sat Jul 02, 2016 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Handling "drive-by" doctoring bills following surgery?
Replies: 61
Views: 5727

Re: Handling "drive-by" doctoring bills following surgery?

dm200 wrote:
HueyLD wrote:Keep in mind that Kaiser is not available in every state.


And, even in some states where it is available, only in parts of those states.


I'm in Central California, and Kaiser is not available here, although it's massively available in SoCal, etc.
by TimeRunner
Sat Jul 02, 2016 6:51 pm
Forum: Forum Issues and Administration
Topic: BH [Bogleheads.org forum] is back!
Replies: 51
Views: 4993

Re: BH [Bogleheads.org forum] is back!

Savvy Bogleheads have set up Donor Advised Funds, using them to make contributions to the support Bogleheads.org (via http://boglecenter.net John C. Bogle Foundation for Financial Literacy). The DAFs are funded in turn by donations of stocks, ETFs, mutual funds, and other long-term appreciated asset...
by TimeRunner
Fri Jul 01, 2016 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: HSBC Treating me like a Criminal
Replies: 62
Views: 4254

Re: HSBC Treating me like a Criminal

You're a physician with direct deposit paychecks from the US Gov and a University, and they are treating you like a criminal. Move your accounts to USAA Fed Savings Bank and don't waste any of your valuable time thinking about how screwed up HSBC is - it's not your problem to fix and it's not in you...
by TimeRunner
Fri Jul 01, 2016 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Can i Approximate vanguard total [international] stock market
Replies: 11
Views: 1007

Re: Can i Approximate vanguard total stock market

Thread title doesn't match OP's question, unfortunately. Expect further disarray downstream. :wink:
by TimeRunner
Fri Jul 01, 2016 12:30 pm
Forum: Investing - Theory, News & General
Topic: Fidelity lowers expense ratio of some index funds
Replies: 117
Views: 8432

Re: Fidelity lowers expense ratio of some index funds

I don't like that Fidelity charges short-term redemption fees on the 3 Funds/Core 4 funds equivalents to VGs funds. I prefer Vanguard's mutual fund frequent trading policy. (Note that this really isn't an issue for ME, but it's a differentiator.) Yes, there are plenty of workarounds like using ETFs ...
by TimeRunner
Wed Jun 29, 2016 11:13 am
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 65
Views: 4920

Re: TSP to Vanguard?

Thanks. I can't believe I never thought of this. You just blew my mind. I was exactly trying to figure out how to get out all/most of my Roth (I mean, in 30 years, I plan ahead) and still have some pre-tax left in the TSP and this method is beautiful. I can't claim credit for this - it's been poste...
by TimeRunner
Tue Jun 28, 2016 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 65
Views: 4920

Re: TSP to Vanguard?

Just want to point out withdrawals have to come out proportionally. So if you have $1M if your TSP and $750k is tax deferred and $250k is Roth, and you withdraw $100k, it will come out $75k pre-tax, $25k Roth. Correct, hence the workaround for folks with significant Roth TSPs. For your example, tra...
by TimeRunner
Tue Jun 28, 2016 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 65
Views: 4920

Re: TSP to Vanguard?

The very limited withdrawal options are the problem here. Agreed, hence discussion on some of the other BH threads about weighing present day withdrawal needs against future TSP withdrawal options. The compromise that many, including myself, gravitate towards is leaving enough TSP behind as "G...
by TimeRunner
Mon Jun 27, 2016 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Loans to Friends
Replies: 73
Views: 3567

Re: Loans to Friends

Tell your friend you've already invested in a business venture:
Image
by TimeRunner
Sun Jun 26, 2016 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Dogs scratched my car on country road
Replies: 27
Views: 2796

Re: Dogs scratched my car on country road

Seems like synergy between this thread and the "Good Deal on a Pocket Pistol" thread. :twisted:
by TimeRunner
Fri Jun 24, 2016 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 83
Views: 5514

Re: Why should FEHB members buy Medicare Part B?

But jeeze, the cost of Part B premiums when you're in IRMAA land is nothing to be complacent about for married couples when FEHB plans with Medicare Part A is more than adequate in most cases. Wife and I aren't there yet, but if we were both enrolled in Part B this year, the cost would be $4092 + (...
by TimeRunner
Thu Jun 23, 2016 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 65
Views: 4920

Re: TSP to Vanguard?

You can do one partial withdrawal, then your next one has to be either a) withdraw everything b) set up monthly payments you can never change or c) buy an annuity with your TSP. One small correction - if you opt for monthly payments, "... during the annual change period at the end of each cale...
by TimeRunner
Tue Jun 21, 2016 8:36 pm
Forum: Personal Consumer Issues
Topic: Headphones, consumerism, and escalation of "needs"
Replies: 55
Views: 4346

Re: Headphones, consumerism, and escalation of "needs"

Just wait until you want to buy a pair of running shoes... :twisted:
by TimeRunner
Sun Jun 19, 2016 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: roth IRA vs roth TSP?
Replies: 12
Views: 748

Re: roth IRA vs roth TSP?

I'm contributing to the Roth TSP for a couple of reasons: 1. Pension plus many-year TSP IRA (plus eventually SS) draws and Calif State taxes plus wife's income/retirement will always keep us in at least 25% tax bracket (Fed) plus 9.3% CA (CA exempts SS but not pension). 2. Likely future tax rates ar...
by TimeRunner
Sun Jun 19, 2016 12:11 am
Forum: Personal Consumer Issues
Topic: Any motorcyclists here? - First road trip
Replies: 33
Views: 2202

Re: Any motorcyclists here? - First road trip

I have times where I struggle to decide...do I want to paraglide off a mountainside launch and attempt a cross-country flight over tiger country, or do I want to take the Tiger out for a ride through the twisties. Statistically, the motorcycle is far more dangerous, but pucker-factor-wise, I'm still...
by TimeRunner
Fri Jun 17, 2016 11:16 pm
Forum: Personal Consumer Issues
Topic: Any motorcyclists here? - First road trip
Replies: 33
Views: 2202

Re: Any motorcyclists here? - First road trip

Speaking of bags, check out Mosco Moto. Beautifully designed moto luggage by people who get it. (I ride a Triumph Tiger 800.) Enjoy the ride!
by TimeRunner
Thu Jun 16, 2016 10:39 pm
Forum: Investing - Theory, News & General
Topic: Why are Vanguard Index Fund Expenses Mostly More Expensive than TSP?
Replies: 17
Views: 2075

Why are Vanguard Index Fund Expenses Mostly More Expensive than TSP?

I'm puzzled by this: The Federal Retirement Thrift Investment Board currently contracts BlackRock Institutional Trust Company, N.A. (BlackRock) to manage the F, C, S, and I Fund assets. Vanguard is owned by its funds and is considered to be a non-profit in that sense. Why are Vanguards fees two to t...
by TimeRunner
Thu Jun 16, 2016 2:26 pm
Forum: Personal Consumer Issues
Topic: washing machine [Recommendations for]
Replies: 50
Views: 7088

Re: washing machine

We have an LG without an agitator. It's horrible. It weighs the clothes by spinning to set the water level. There is no adjustment to add water. It frequently leave soap scum on the clothes. It very frequently tangles them in knots. All we believe as a result of water saving features and no agitato...
by TimeRunner
Tue Jun 14, 2016 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 83
Views: 5514

Re: Why should FEHB members buy Medicare Part B?

Politics aside, I would be quite shocked if fed retirees who opted out of Medicare Part B in favor of FEHB plans were financially punished if later forced into Part B. It's likely they would be 'grandfathered' in. I think it's a pretty safe bet to take Part A, skip Part B, and use a good Self + 1 pl...
by TimeRunner
Fri Jun 10, 2016 9:02 pm
Forum: Forum Issues and Administration
Topic: Why isn't there a bogleheads app
Replies: 51
Views: 4967

Re: Why isn't there a bogleheads app

I'd develop the app if you don't mind me loading it with ads for financial planning services, money managers and bankers, gold and commodity investments, and various get-rich quick schemes. I'd toss in some finance games ("Sail Taylor's boat 'round the Three Fund buoys, or buy the broad reach d...
by TimeRunner
Wed Jun 08, 2016 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken For Mac
Replies: 10
Views: 800

Re: Quicken For Mac

abuss368 wrote:Does anyone have experience with the Admiral share conversion?


See Vanguard's FAQ, near bottom of the page: https://personal.vanguard.com/us/help/F ... ontent.jsp
by TimeRunner
Wed Jun 08, 2016 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken For Mac
Replies: 10
Views: 800

Re: Quicken For Mac

It absolutely sucks, and it never came close to the Windows version in terms of features. Put this into Google search to read more Bogleheads threads/posts about this topic: "site:bogleheads.org quicken mac" I am using "Banktivity" (formerly named "iBank") which is not ...
by TimeRunner
Tue Jun 07, 2016 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 83
Views: 5514

Re: Why should FEHB members buy Medicare Part B?

I have about 3 years before I have to figure this out. Someone needs to ask...as Medicare and FEHB are both Federal programs, why the hell can't they work better together across the board, and provide better guidance and clear coordinated options to the many US gov retirees and their families? :anno...
by TimeRunner
Mon Jun 06, 2016 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: After 30 yrs at Megacorp my IT job was surplussed...
Replies: 52
Views: 6517

Re: After 30 yrs at Megacorp my IT job was surplussed...

Yea, I realize running is hard on the body but I have not yet found an alternative that provides the same intensity in the same timeframe. I still do local fun run races but the shorter ones like 5K's vs. half marathons (did about 20 of them). I'm faster than a jogger but not a track star. Two week...
by TimeRunner
Sun Jun 05, 2016 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of dumping REIT - thoughts?
Replies: 20
Views: 2132

Re: Thinking of dumping REIT - thoughts?

I have a 10% REIT tilt and I'm keeping it. Something I read somewhere along the way about staying the course? Me too. Core 4. Looking back, 10% REITs have provided a little extra performance with a little extra diversification. Four numbers to track vs three - not a brain teaser. (If only we could ...
by TimeRunner
Thu Jun 02, 2016 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: It's not shady to move States for tax reasons is it?
Replies: 48
Views: 4796

Re: It's not shady to move States for tax reasons is it?

This is the most recent link to that Calif FTB guidance (2015 version): https://www.ftb.ca.gov/forms/2015/15_1031.pdf
by TimeRunner
Sat May 28, 2016 10:07 pm
Forum: Personal Consumer Issues
Topic: Is there such thing as easy load front load washer/dryer?
Replies: 30
Views: 2109

Re: Is there such thing as easy load front load washer/dryer?

Or a washer and dryer in the same box: http://www.lg.com/us/washer-dryer-combo ... ryer-combo

(I have no experience with this but my long dead grandma had something like this years ago.)
by TimeRunner
Mon May 23, 2016 2:49 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 113
Views: 17050

Re: Improving the TSP [for current participants]

Saw this article today: TSP Board Still Seeking Lawmaker to Sponsor Its Proposal to Ease Withdrawals Quote: "Despite receiving approval from the Senate-confirmed overseers last year, Thrift Savings Plan officials are still seeking a champion in Congress to sponsor legislation that would make it...
by TimeRunner
Mon May 02, 2016 10:03 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 113
Views: 17050

Re: Improving the TSP [for current participants]

I'm now resigned to the notion that when I retire from federal service, I'll withdraw all but a few hundred dollars (< $500) from my TSP account (currently > $1.4 million) and move it to Vanguard traditional and Roth IRAs.... MichDad My plan too, starting in early 2017. By leaving the account open,...

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