Search found 917 matches

by TimeRunner
Sun Feb 19, 2017 6:45 pm
Forum: Investing - Theory, News & General
Topic: Flagship? [T. Rowe Price retirement funds]
Replies: 20
Views: 2042

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: 39
Views: 4163

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: 3336

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: 106
Views: 8994

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: 135
Views: 17376

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: 4784

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: 3074

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: 3608

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: 3074

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...
by TimeRunner
Wed Feb 08, 2017 9:57 am
Forum: Investing - Theory, News & General
Topic: Costs of the TSP? is it self-sustained?
Replies: 33
Views: 3074

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

Any particular reason for doing this at Fidelity rather than Vanguard? I hadn't thought of this approach, but it sounds intriguing, as my Roth money in the TSP (about 3% of the total) is kind of just wasted as I'd really prefer to give it a different allocation and different withdrawal strategy. 1....
by TimeRunner
Tue Feb 07, 2017 11:26 pm
Forum: Investing - Theory, News & General
Topic: Costs of the TSP? is it self-sustained?
Replies: 33
Views: 3074

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

Exactly why I'm about to do a partial withdrawal of two comma TSP, leaving $1000 behind. Rolling over to Fidelity TIRA and Roth IRA, then rolling back six figure TIRA amount to park in the G fund as overall retirement bond allocation. TSP retirement withdrawal options suck, and mandatory Roth RMDs f...
by TimeRunner
Mon Feb 06, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 106
Views: 8994

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

Uncle Pennybags wrote:Is there any software that will convert Quicken files to another format? I assume not.
See flossy21's post upthread. There are others too.
by TimeRunner
Sun Feb 05, 2017 10:55 pm
Forum: Personal Consumer Issues
Topic: Walmart.com vs. Amazon.com
Replies: 41
Views: 4784

Re: Walmart.com vs. Amazon.com

One growing downside of Amazon is the increasing use of 3rd parties using Amazon prime fulfillment, which, if one is not cautious, can result in receiving fake goods (e.g. most Duracell batteries on Amazon), close to expiration goods (many various complaints), or other problems.... From what I've r...
by TimeRunner
Sun Feb 05, 2017 12:02 pm
Forum: Investing - Theory, News & General
Topic: TSP Expense Ratio jumps to 0.038%
Replies: 57
Views: 5162

Re: TSP Expense Ratio jumps to 0.038%

This means that the G Fund will not lose money." ... to the participants in the TSP. :) Yes. Without getting political, it's an earned benefit of gov't employment, baked into the FERS retirement system which replaced the older pension-based retirement system. Also, it's borrowing from this fun...
by TimeRunner
Sun Feb 05, 2017 11:29 am
Forum: Investing - Theory, News & General
Topic: TSP Expense Ratio jumps to 0.038%
Replies: 57
Views: 5162

Re: TSP Expense Ratio jumps to 0.038%

*"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." *"The FRTIB Executive Director currently allocates the selection, purchase, investment, and management of the assets ...
by TimeRunner
Sat Feb 04, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: Walmart.com vs. Amazon.com
Replies: 41
Views: 4784

Re: Walmart.com vs. Amazon.com

One growing downside of Amazon is the increasing use of 3rd parties using Amazon prime fulfillment, which, if one is not cautious, can result in receiving fake goods (e.g. most Duracell batteries on Amazon), close to expiration goods (many various complaints), or other problems. I ordered a new Dell...
by TimeRunner
Sat Feb 04, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Senior Lifetime National Parks Pass Fee Going Up
Replies: 24
Views: 3182

Re: Senior Lifetime National Parks Pass Fee Going Up

It's still puzzling why the US Park Service doesn't have a data base for this. Every retail store I've ever visited has my personal information in their cash register, it seems :annoyed Network connectivity issues (far-flung entrance stations), cost/benefit and no loyalty/rewards system business mo...
by TimeRunner
Fri Feb 03, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: Senior Lifetime National Parks Pass Fee Going Up
Replies: 24
Views: 3182

Re: Senior Lifetime National Parks Pass Fee Going Up

rec7 wrote:Does the card holder have to be the driver or can the card holder be the passenger?
Just needs to be in the vehicle (or maybe strapped to the roof). FAQ courtesy US Fish & Wildlife Service: https://www.fws.gov/refuges/pdfs/Senior ... 100507.pdf
by TimeRunner
Wed Feb 01, 2017 10:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: Interview with Mel Lindauer, President of The John C. Bogle Center
Replies: 7
Views: 1280

Re: Interview with Mel Lindauer, President of The John C. Bogle Center

The address appears to be (just a guess) a drop box/PMB in a Postnet shipping center. What's the story behind how/why it ended up in San Diego, CA? (Just curious, it doesn't REALLY matter.) I am also contributing via Amazon Smile and have contributed via a DAF.
by TimeRunner
Wed Feb 01, 2017 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Best Proxy Symbol for TSP G Fund
Replies: 11
Views: 1432

Re: Best Proxy Symbol for TSP G Fund

VISBX Average effective maturity 2.0 years VFISX Average effective maturity 2.4 years. 'The Treasury securities used in the G Fund rate calculation have a weighted average maturity of approximately 11 years." https://www.tsp.gov/PDF/formspubs/tsplf14.pdf And, the G fund gives you the rate at t...
by TimeRunner
Wed Feb 01, 2017 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Best Proxy Symbol for TSP G Fund
Replies: 11
Views: 1432

Re: Best Proxy Symbol for TSP G Fund

I don't know if it's the best, but I use VSIBX as the proxy when needed - Vanguard Short-Term Government Bond Index Fund Institutional Shares. There really isn't anything else like the G Fund that I know of. VISBX is an international bond index. Did you mean VFISX? Sorry, I transposed. VSBIX . I'll...
by TimeRunner
Mon Jan 30, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: seeking advice - need to advise newly widowed mother in deep debt
Replies: 46
Views: 4105

Re: seeking advice - need to advise newly widowed mother in deep debt

Sorry for your burden. If this helps, ESPlanner software defaults to "two adults live together as cheaply as 1.6" in the "assumed degrees of economy in shared living", so there's a quick rule-of-thumb estimate you can use for her living expenses. Quote from: https://books.google....
by TimeRunner
Sun Jan 29, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: where to retire?
Replies: 63
Views: 5948

Re: where to retire?

73 degrees today and sunny. Did a nice run along the beach bluffs and dropped down to the beach for another couple of miles as I watched a pod of dolphins work the coast, one picking a nice wave to surf. I'll pay the tax and keep my house, friends, and other connections. After all, THIS is why I sav...
by TimeRunner
Sun Jan 29, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Best Places to Live in US?
Replies: 123
Views: 11215

Re: Best Places to Live in US?

I guess the OP relocated to another forum. :wink:
by TimeRunner
Sat Jan 28, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Best Proxy Symbol for TSP G Fund
Replies: 11
Views: 1432

Re: Best Proxy Symbol for TSP G Fund

I don't know if it's the best, but I use VSBIX as the proxy when needed - Vanguard Short-Term Government Bond Index Fund Institutional Shares. There really isn't anything else like the G Fund that I know of.

Edit: Corrected symbol transposition error.
by TimeRunner
Sat Jan 28, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Criteria for admittance to the 2-comma club
Replies: 79
Views: 5669

Re: Criteria for admittance to the 2-comma club

I thought the first rule of Two-Comma Club is: you do not talk about Two-Comma Club. The second rule of Two-Comma Club is: you DO NOT talk about Two-Comma Club! :wink:
by TimeRunner
Wed Jan 25, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: Best Places to Live in US?
Replies: 123
Views: 11215

Re: Best Places to Live in US?

What about places near SLO like Arroyo Grande, Nipomo, Santa Maria, or towards Paso Robles? Sounds like you've ruled those out, but if you like SLO then they are an easy driving distance away.
by TimeRunner
Tue Jan 24, 2017 9:51 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 331
Views: 54201

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

I was fortunate (well, it was interesting anyways) to attend the Feast of the Holy Cross on Santa Cruz Island one year many years ago, led by the later disgraced Cardinal Mahoney. We plebs boarded a boat for a rough crossing of the Channel between the mainland and the Island. Joe flew on a small pri...
by TimeRunner
Fri Jan 20, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: Laptop transfer
Replies: 7
Views: 728

Re: Laptop transfer

Before you do that, see also: Apple Support Doc - What to do before selling or giving away your Mac Note steps 2-4.
by TimeRunner
Thu Jan 19, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: Experience replacing resin in water softener?
Replies: 7
Views: 914

Re: Experience replacing resin in water softener?

I did this in November after watching a Youtube video that a guy made with a unit very similar to ours. See: https://youtu.be/sH0o71luLX0 Some items to note: 1. Have a shop vac to remove the old resin beads. They weigh a lot since they are saturated with water, and will create a big mess if spilled....
by TimeRunner
Wed Jan 18, 2017 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Why Vanguard why? (Donating to Donor advised Fund)
Replies: 20
Views: 1742

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. Your description is identical to what I was hoping for. Did you end up sending Vanguard additional letters of instruction in those situatio...
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: 20
Views: 1742

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: 26
Views: 3049

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: 848

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: 3528

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: 1806

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: 673
Views: 17820

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: 201
Views: 42853

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: 4455

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: 4455

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: 2747

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: 4700

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: 12859

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: 2083

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: 3015

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: 3015

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: 4993

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: 2898

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

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