Search found 958 matches

by TimeRunner
Tue Mar 21, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: How to harmonize a TSP and a Vanguard portfolio
Replies: 9
Views: 558

Re: How to harmonize a TSP and a Vanguard portfolio

Use the TSP G fund for all your tax-deferred bond money, and your VG account for equities. Best of both worlds.
by TimeRunner
Tue Mar 21, 2017 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: What safe investment vehicle has the highest yield right now?
Replies: 22
Views: 2629

Re: What safe investment vehicle has the highest yield right now?

Add to your Vanguard fund every couple of weeks like clockwork. Thank me in 20 years. :D
by TimeRunner
Mon Mar 20, 2017 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Using Turbo Tax for quarterly tax estimates for 2017
Replies: 21
Views: 1105

Re: Using Turbo Tax for quarterly tax estimates for 2017

Not to close the thread if there's anything else to add, but just a Thank You to those who provided the responses. :beer
by TimeRunner
Mon Mar 20, 2017 9:14 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 144
Views: 22163

Re: Improving the TSP [for current participants]

Gave Fido my TSP-77 form today in person. 100% in G fund as of last Friday, which is skewing my overall asset allocation for the next few weeks (up to six? urgh) it will take to move the TIRA and Roth from TSP to Fido. In the meantime, each day it's in the G fund adds $100-something to my overall TS...
by TimeRunner
Fri Mar 17, 2017 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 257
Views: 20766

Re: Quicken's future direction - a cause for concern

I'm simply using institutions that support OFX downloading (e.g. Vanguard, Fidelity, USAA) to avoid Quicken download lock-in. Quicken's biggest advantage over competitors IMO is a few decades of minor improvements (software maturation) in actions like entering a transaction or drilling down into one...
by TimeRunner
Fri Mar 17, 2017 8:22 pm
Forum: Personal Consumer Issues
Topic: Autonomous Vehicles and Drone Deliveries
Replies: 31
Views: 1606

Re: Autonomous Vehicles and Drone Deliveries

My feeling is that long distance trucking, particularly in the Western US, will be rapidly automated. I envision large driver depots on the major highway outskirts of major cities (e.g. Grapevine CA, Barstow, CA) where drivers who have picked up loads from major cities (e.g. greater Los Angeles) dri...
by TimeRunner
Fri Mar 17, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Using Turbo Tax for quarterly tax estimates for 2017
Replies: 21
Views: 1105

Re: Using Turbo Tax for quarterly tax estimates for 2017

I'm new at this too. If you use TT2016 to estimate quarterly tax payments for 2017, is there a place you input income by quarter if you know it is going to vary between quarters? Also, can you use the State TT for 2016 to model 2017 as well? TIA.
by TimeRunner
Fri Mar 17, 2017 4:45 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 144
Views: 22163

Re: Improving the TSP [for current participants]

TimeRunner Use the TSP-90 form if you are a Beneficiary Participant Account. In Section II line 10 you can specify a $ amount versus a %. I'm not so I need to use TSP-77 for this partial withdrawal. The $ amount is the amount of withdrawal. As I said, there's no way to specify "withdraw ALL BU...
by TimeRunner
Fri Mar 17, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 144
Views: 22163

Re: Improving the TSP [for current participants]

I retired Dec 2016 and have started the process this week to withdraw all but a placeholder in the TSP so that I have the option of returning if/when TSP improves withdrawal options, allows different holdings for Roth and TIRA, etc. For partial withdrawals, TSP Form-77 asks the total withdrawal amou...
by TimeRunner
Thu Mar 16, 2017 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 4529

Re: Fidelity vs. Vangard?

Moved my IRAs from VG to Fido because they have an office within a half hour drive, which can do notary signatures, medallion guarantee signatures, and in-person service should that need arise. They also have a better website and mobile app. I simply did an asset-in-kind transfer of VG ETFs, no buyi...
by TimeRunner
Thu Mar 16, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 257
Views: 20766

Re: Quicken's future direction - a cause for concern

Here's a potential security issue that Quicken (and Mint) have, which is another reason I'm running Moneydance in parallel with Quicken 2016 and learning it in the hopes of cutting over soon: https://infinitekind.com/blog/online-banking-privacy-security From that blog link above: "Not all banks...
by TimeRunner
Wed Mar 15, 2017 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 4529

Re: Fidelity vs. Vangard?

Many have an opinion on this. Here's one Google search that turns up many threads:
https://www.google.com/search?sitesearc ... s+fidelity
by TimeRunner
Wed Mar 15, 2017 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: converting from tira to roth - think I'm learning but have a question
Replies: 5
Views: 366

Re: converting from tira to roth - think I'm learning but have a question

You should also take a look at I-ORP (Optimal Retirement Planner) at https://www.i-orp.com/ORPhome.html . Try the full planner if you don't like the assumptions on this short version. You can play with Roth IRA conversions at various tax brackets and see if one or multi-year conversions are suggeste...
by TimeRunner
Wed Mar 15, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 257
Views: 20766

Re: Quicken's future direction - a cause for concern

On a tangent note, I've been unable to download account info from HSA Bank for a couple of weeks - Quicken 2016 errors with "Bad password" and freezes. I contacted HSA Bank today and was told that they no longer support Quicken downloads, and that they did not renew their license. FWIW. P...
by TimeRunner
Wed Mar 15, 2017 2:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: "Important: We've been unable to reach you by email"
Replies: 31
Views: 2728

Re: Vanguard: "Important: We've been unable to reach you by email"

I contacted VG about it the other day and they basically wrote back that they were aware they were having issues with sending false warnings and they were working to address it. That doesn't mean I would ignore it in the future, but I have been getting VG emails just fine both before and after recei...
by TimeRunner
Wed Mar 15, 2017 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 7425

Re: Do you avoid international investing like Jack Bogle?

Corporations located in countries outside the USA trade with each other, without necessarily involving the USA. There's value to me in participating in that commerce via broad index International stock ownership.
by TimeRunner
Wed Mar 15, 2017 2:20 pm
Forum: Investing - Theory, News & General
Topic: Who has the cheapest funds? It’s more complicated than you think
Replies: 27
Views: 2608

Re: Who has the cheapest funds? It’s more complicated than you think

Quick amusing Aspirin backstory: It's 81mg because the foundational study was done by cutting a regular 375mg tablet in quarters. No one spent the money to test 91 vs 81, etc. :D
by TimeRunner
Wed Mar 15, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 257
Views: 20766

Re: Quicken's future direction - a cause for concern

On a tangent note, I've been unable to download account info from HSA Bank for a couple of weeks - Quicken 2016 errors with "Bad password" and freezes. I contacted HSA Bank today and was told that they no longer support Quicken downloads, and that they did not renew their license. FWIW.
by TimeRunner
Tue Mar 14, 2017 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 7425

Re: Do you avoid international investing like Jack Bogle?

All in: VT and ACWI. If you're going to be a Boglehead, be all in. :beer
by TimeRunner
Tue Mar 14, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: My Lehman Brothers windfall!!!
Replies: 22
Views: 4066

Re: My Lehman Brothers windfall!!!

FBN2014 wrote: Meanwhile the criminals like Angelo Mozilla of Countrywide....
You're thinking of Angelo Mozilo, the man with the tan. Here's a good story about him and Countrywide from the New Yorker: http://www.newyorker.com/magazine/2009/ ... elos-ashes
by TimeRunner
Mon Mar 13, 2017 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Just made my very first ETF Trade - Lessons for Next time?
Replies: 74
Views: 3095

Re: Just made my very first ETF Trade - Lessons for Next time?

Thanks, livesoft! Also, I came across this Vanguard PDF on Best Practices for ETF Trading: 7 Rules of the Road (June 2014), that might be helpful to folks: http://www.vanguard.com/pdf/ISGETF.pdf
by TimeRunner
Mon Mar 13, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Just made my very first ETF Trade - Lessons for Next time?
Replies: 74
Views: 3095

Re: Just made my very first ETF Trade - Lessons for Next time?

What's the best method for a large purchase, say $200K of some ETF? (Not doing this soon, but I've been wondering about it.)
by TimeRunner
Sun Mar 12, 2017 10:04 pm
Forum: Investing - Theory, News & General
Topic: SEC Rejects Winklevoss Bitcoin ETF
Replies: 35
Views: 3188

Re: SEC Rejects Winklevoss Bitcoin ETF

I trust Bitcoin, because the full faith and credit of the Internet stands behind it. :wink:
by TimeRunner
Sun Mar 12, 2017 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Best non-Vanguard home for my 2016 t-IRA
Replies: 12
Views: 629

Re: Best non-Vanguard home for my 2016 t-IRA

I'm sure you could do that with either Schwab or Fidelity. You might see which one has an office near you, just in case that's a factor in your selection. We went with Fidelity via online. As far as fund equivalents, the Bogleheads Wiki has info, for example: https://www.bogleheads.org/wiki/Three-fu...
by TimeRunner
Sat Mar 11, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 104
Views: 5871

Re: What to do with all these passwords ?

But if you lose your Yubikey, you're screwed, right?
by TimeRunner
Fri Mar 10, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Google wifi is awesome
Replies: 58
Views: 8056

Re: Google wifi is awesome

Don't take it personally TimeRunner (smile). I don't and won't. Your ISP is certainly keeping track of every DNS query and URL you put in your browser, and that's not hidden when you are in say "Incognito Mode" in Google Chrome or the other hidden modes in other browsers. OK, off this rab...
by TimeRunner
Fri Mar 10, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Google wifi is awesome
Replies: 58
Views: 8056

Re: Google wifi is awesome

If you're at all concerned with your privacy (even if you don't have anything to hide) you should NOT use Google products. All data going in and out of Google hardware is being mined. Two safer alternatives are eero and Orbi (Netgear). Google says: "Google Wifi app and your Wifi points do not ...
by TimeRunner
Fri Mar 10, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: Where to start - converting from generator/UPS to more reasonable solar / powerwall?
Replies: 53
Views: 3327

Re: Where to start - converting from generator/UPS to more reasonable solar / powerwall?

Does the meter show power being used when the main breaker is turned off?
by TimeRunner
Fri Mar 10, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 257
Views: 20766

Re: Quicken's future direction - a cause for concern

FWIW, I've been running Moneydance 2017 in parallel with Quicken 2016 (both on Windows 10). I'm still in the early learning phase. One missing feature is that Moneydance does not support Quicken's "Express Web Connect", so, for example, for my Penfed CC, Quicken downloads "on behalf o...
by TimeRunner
Wed Mar 08, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 127
Views: 9445

Re: GEICO auto rates vs. USAA: too good to be true?

Also in most states you can take an online defensive driving course ("depending" - see details) and get an additional discount. DW and I just completed the AARP online course. The excruciating boredom was a VERY high price to pay. The things we do to save money ... I took it on a relative...
by TimeRunner
Wed Mar 08, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 127
Views: 9445

Re: GEICO auto rates vs. USAA: too good to be true?

Also in most states you can take an online defensive driving course ("depending" - see details) and get an additional discount. Geico's link: https://www.geico.com/save/discounts/defensive-driver-discounts/ Link similar to USAA (discounts in general): https://www.geico.com/save/discounts/c...
by TimeRunner
Tue Mar 07, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 127
Views: 9445

Re: GEICO auto rates vs. USAA: too good to be true?

We have homeowners' thru USAA, and GEICO for two cars, motorcycle, and $2M liability. Just had rock chip in windshield fixed free thru Geico claim, with no ding on insurance claims. (They'd rather pay to fix a chip if possible than chip in on a new windshield. Me too.)
by TimeRunner
Tue Mar 07, 2017 11:00 am
Forum: Forum Issues and Administration
Topic: How do YOU read Bogleheads?
Replies: 37
Views: 2998

Re: How do YOU read Bogleheads?

Since no one mentioned it yet, with the assumption that you are logged in to the site, Boglehead unread posts view:

search.php?search_id=unreadposts

After reading, return to the top and Mark All Read. Revisit forum later.
by TimeRunner
Sun Mar 05, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Should federal employee communicate 18 months to retirement?
Replies: 44
Views: 3165

Re: Should federal employee communicate 18 months to retirement?

I would caution against waiting until the last day and surprising your office with your retirement. Life's more complicated these days. A typical gov employee may have a purchase and/or travel credit card that needs to be cleared, a gov't ID card that is also used for IT systems access, IT equipment...
by TimeRunner
Sun Mar 05, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Should federal employee communicate 18 months to retirement?
Replies: 44
Views: 3165

Re: Should federal employee communicate 18 months to retirement?

36+ year fed here, retired last December. I recommend giving notice the first week of November, and saying goodbye to colleagues before Thanksgiving. End of year is optimal for cashing out use-or-lose annual leave, which you should try to accumulate between now and then. If you retire the end of Dec...
by TimeRunner
Fri Mar 03, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Can you roll a TSP Roth into a Roth IRA?
Replies: 7
Views: 647

Re: Can you roll a TSP Roth into a Roth IRA?

As long as you keep that placeholder, you can roll TIRA back to the TSP, including TIRA funds that were never in the TSP. I hesitate to use the word "always" because Congress could change the rules. Note under current partial withdrawal rules, you only have two withdrawals. If you use one ...
by TimeRunner
Fri Mar 03, 2017 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Can you roll a TSP Roth into a Roth IRA?
Replies: 7
Views: 647

Re: Can you roll a TSP Roth into a Roth IRA?

You can't. But you can do a partial withdrawal of almost all your TSP funds, leaving a placeholder of $200 (I'd do $1K) behind in case you ever wanted to return any TIRA funds to the TSP. The Roth portion rolls out to a Roth IRA, the TIRA portion rolls out to a TIRA. Folks who want to use the G Fund...
by TimeRunner
Thu Mar 02, 2017 11:27 pm
Forum: Investing - Theory, News & General
Topic: Fidelity offers buy outs to reduce workforce
Replies: 26
Views: 3815

Re: Fidelity offers buy outs to reduce workforce

It's OK. Senior people cost more than junior. They are getting a nice golden parachute package. It's voluntary (at this point). If I was a highly compensated senior Fidelity guy, and they offered 6 months or a year salary, I'd be pretty tempted. As a Fido customer, it's fine with me. I don't need se...
by TimeRunner
Thu Mar 02, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Lousy Customer Service
Replies: 84
Views: 5808

Re: Vanguard Lousy Customer Service

Fidelity should hire Jack Bogle as its new pitchman. "Can you hear me now?" Mubwahaha.... :twisted: (jk)
by TimeRunner
Tue Feb 28, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Macbook Pro 15 (2016 Model): Worth the Upgrade?
Replies: 8
Views: 527

Re: Macbook Pro 15 (2016 Model): Worth the Upgrade?

I need a powerful machine to run Parallels for Windows with Quicken. Other than that, my needs are fairly straightforward but I do like the larger 15" display. Same requirement, but rather than upgrade my 2009 MBPro, I opted to purchase a small Intel NUC, put Windows 10 Home on it, add a 23 in...
by TimeRunner
Sat Feb 25, 2017 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Lousy Customer Service
Replies: 84
Views: 5808

Re: Vanguard Lousy Customer Service

I easily moved my Roth account from Vanguard to Fidelity, initiated on-line at Fidelity, and it took about a week to transfer the assets in-kind. I had one question that was quickly answered via the Fido online chat function, with the frontline rep making a call to the Transfer department to quickly...
by TimeRunner
Sun Feb 19, 2017 6:45 pm
Forum: Investing - Theory, News & General
Topic: Flagship? [T. Rowe Price retirement funds]
Replies: 20
Views: 2234

Re: Flagship?

They didn't want to call it "Garbage Scow" funds. :twisted:
by TimeRunner
Sun Feb 19, 2017 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should we purchase a $1 Million dollar home with all cash?
Replies: 43
Views: 5286

Re: Should we purchase a $1 Million dollar home with all cash?

I know it sounds crazy to BH's not in Cali, but is $1 Million house good enough for $1 million, or do you need a $1.5M house to get a better neighborhood, better resale value, etc? If you're going to buy a house, you might need to buy a better one. I know, I know.
by TimeRunner
Thu Feb 16, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: why invest internationally?
Replies: 72
Views: 3580

Re: why invest internationally?

Happy to have significant investment in VT ETF, up 22.48% in last 52 weeks. It's a pretty good haystack. :beer
by TimeRunner
Tue Feb 14, 2017 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 257
Views: 20766

Re: Quicken's future direction - a cause for concern

I'm going to look hard at alternatives like Gnucash and Moneydance. I tried Banktivity on a Mac, but I'm deprecating the Mac OSX MacBookPro (2009 version) to switch to a Chromebook, along with an Intel NUC as a stripped down Windows 10 PC remotely-controlled box, so I need a windows-based money mana...
by TimeRunner
Fri Feb 10, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 150
Views: 20933

Re: New rep: personal bankruptcy an issue?

Well, as part of Vanguard moving me to Flagship Select, I was given a different representative. I checked out the person using the FINRA lookup link posted earlier in this thread and found the person was more junior and less experienced than my last rep, and had filed for personal bankruptcy just b...
by TimeRunner
Wed Feb 08, 2017 11:23 pm
Forum: Personal Consumer Issues
Topic: Walmart.com vs. Amazon.com
Replies: 41
Views: 4916

Re: Walmart.com vs. Amazon.com

Amazon has the selection it has precisely because it allows 3rd party sellers to list and fulfill products through FBA. They have essentially thousands of companies paying them to ship and store packages, not to mention improve the listings themselves with more information and detail. Sure, you get...
by TimeRunner
Wed Feb 08, 2017 10:57 pm
Forum: Investing - Theory, News & General
Topic: Costs of the TSP? is it self-sustained?
Replies: 33
Views: 3207

Re: Costs of the TSP? is it self-sustained?

Why would you roll back into the G Fund if the withdrawal options suck? I ask because my wife's funds are in TSP and always figured we would roll out of TSP into vanguard come retirement time. Not something I have to do right away. It's an option. One concern is that Congress may change the G fund'...
by TimeRunner
Wed Feb 08, 2017 10:15 pm
Forum: Personal Consumer Issues
Topic: Robocalls! -- current best call blocker?
Replies: 46
Views: 3716

Re: Robocalls! -- current best call blocker?

I had a work iPhone until I retired the end of last year. I clearly remember getting a call from a sales person offering some sort of discount Vegas vacation. I told him it was a work phone and on the do-not-call list, and he said "So...you never take a vacation then?" I said "Take me...
by TimeRunner
Wed Feb 08, 2017 3:09 pm
Forum: Investing - Theory, News & General
Topic: Costs of the TSP? is it self-sustained?
Replies: 33
Views: 3207

Re: Costs of the TSP? is it self-sustained?

... and mandatory Roth RMDs from TSP suck too. There are RMD's for Roth 401K's too. Right, but not from the Fido Roth once you move the TSP Roth (401k/403b-like Roth) money out, leaving only a proportionally-small fraction of Roth TSP behind (in my case a keg of beer's worth). No contradictions her...

Go to advanced search