Search found 1117 matches

by TimeRunner
Fri Oct 20, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 57
Views: 2668

Re: Anyone planning on getting the new Pixel phone?

FWIW, Google did respond to these washed out comments and said they were considering a software option to provide more saturated displays if enough people prefer them. +1, me also taking the trade-in and upgrading Pixel XL 1 to a 2. Looking forward to downsizing from Lifeproof case to Evo Check Cas...
by TimeRunner
Wed Oct 18, 2017 9:46 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 57
Views: 2668

Re: Anyone planning on getting the new Pixel phone?

Just a note that Pixels are in high demand, so it's easy to sell your previous generation to upgrade to a new one. If you don't want that hassle, Google (via Project Fi) offers its own trade-in deal, currently up to $410 for a Pixel XL 128Gb Gen 1 model. This is not a giveaway, but certainly offsets...
by TimeRunner
Wed Oct 18, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 57
Views: 2668

Re: Anyone planning on getting the new Pixel phone?

I have a Pixel XL on Project Fi and am trading it in for a Pixel 2 XL in a few weeks. Used the Pixel XL as a GPS on a multi-state motorcycle camping trip a few weeks ago, and it was a reliable companion. The camera is also excellent and is substantially improved in the 2 XL. Interface is clean. I pr...
by TimeRunner
Tue Oct 17, 2017 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan
Replies: 22
Views: 1800

Re: Thrift Savings Plan

See Three Fund Lazy Portfolios re your Roth IRA. You've landed on excellent: https://www.bogleheads.org/wiki/Lazy_portfolios

Admiral funds just require more minimum investment than investor class, in return for which your costs are a bit lower.
by TimeRunner
Mon Oct 16, 2017 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan
Replies: 22
Views: 1800

Re: Thrift Savings Plan

Move to the appropriate L fund, read some more, and don't feel bad about your short G Fund investment - you haven't LOST any money.
by TimeRunner
Wed Oct 11, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Card - Should I get a Replacement
Replies: 47
Views: 2561

Re: Social Security Card - Should I get a Replacement

This is one of those life deals where you won't need it until the one time you DO need it, and then you'll be kicking yourself for deciding not to replace it. Corollary: If you don't get it then you'll need it, but if you do get it you won't need it. Your choice.
by TimeRunner
Fri Oct 06, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: what if I forget my security questions?
Replies: 19
Views: 1355

Re: what if I forget my security questions?

Use lastpass or dashlane and put the security questions and answers in the "notes" section, so you can refer to them when signing on. Put your lastpass/dashlane ID and authentication somewhere very safe.
by TimeRunner
Thu Oct 05, 2017 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 219
Views: 25697

Re: Retirement Account Stolen by Identity theft

The phone call originated in NY. Doc was notarized by someone in Los Angeles. Bank account opened in southeast. Unlikely his father did all of the above. Comments on above - phone call APPEARED to originate in NY, but as you know from call spoofing, it could have originated from almost anywhere. No...
by TimeRunner
Sun Oct 01, 2017 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee looking to move to Private sector..!
Replies: 34
Views: 2289

Re: Federal Employee looking to move to Private sector..!

You could stay until you get past your 3-year probation for your reemployment rights, and then explore options. If the current option is gone by then, that's an indication that staying put was a good idea. As a 37-year retired FERS Fed, I agree with delamer's advice above. Wait until you have reemp...
by TimeRunner
Sun Oct 01, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: time to transfer money to Vanguard, grumble, grumble
Replies: 28
Views: 3707

Re: time to transfer money to Vanguard, grumble, grumble

mouses wrote:
Sun Oct 01, 2017 4:36 pm
Unfortunately the Schwab office is 45 minutes away in a city with parking problems.
Call that office - it's likely they validate parking or will cover your parking fee. They did that for me.
by TimeRunner
Sat Sep 16, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Considering rolling over Vanguard funds to TSP
Replies: 13
Views: 1043

Re: Considering rolling over Vanguard funds to TSP

I had both TSP Roth and TSP TIRA when I retired the end of last year. Rolled everything out except around $1K to Fidelity TIRA and Roth, then a couple of months later, rolled back in the total amount I wanted to hold in retirement fund bonds back into the TSP from the Fido TIRA (only), placed in the...
by TimeRunner
Thu Sep 14, 2017 10:16 pm
Forum: Personal Consumer Issues
Topic: Can not decide between washing machines
Replies: 47
Views: 2597

Re: Can not decide between washing machines

We have Samsung TV, dishwasher, and dryer. No problem with the TV. Dishwasher needs to be unplugged (to reset computer) before each load, and oftentimes fills then empties for no apparent reason. (Yes, I've gone thru YouTube, diagnostic websites, etc. No joy.) The lower spray arm is basically fricti...
by TimeRunner
Thu Sep 14, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 49
Views: 6429

Re: Wiki article - Credit freeze

I thought the Wiki article was well written. Keeping it as simple as needed, which seems to have been done here, is a worthy goal. :beer
by TimeRunner
Thu Sep 14, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 7547

Re: Best Lower Cost USA Cities to Live

In the case of Los Angeles, I was referring to the entertainment psychology subset in particular. Los Angeles is a big city, and of course not everyone is attempting to be rich, famous, and hip, but a many, many are, especially in the area where I live. There is a particular psychology that goes wi...
by TimeRunner
Wed Sep 13, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 7547

Re: Best Lower Cost USA Cities to Live

WalletHub did an interesting look at this question in Jan 2017, link below, FWIW. Cost was one criteria of many:

https://wallethub.com/edu/best-and-wors ... ire/18592/
by TimeRunner
Tue Sep 12, 2017 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Potential downsides of placing a credit freeze?
Replies: 24
Views: 1977

Re: Potential downsides of placing a credit freeze?

When you thaw, do you have to thaw all 3 or 4? Or do lenders actually tell you which of the agencies they use to verify your credit? At that time, 2016, we had a freeze on the Big 3, and had to thaw all three for both of us. ($60 here.) Then the later single thaw - they told us which one to thaw. (...
by TimeRunner
Tue Sep 12, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Potential downsides of placing a credit freeze?
Replies: 24
Views: 1977

Re: Potential downsides of placing a credit freeze?

I've had ours frozen for a couple of years. The first 1.5 years, we didn't need our credit. I did need to thaw it a couple of times while refinancing my mortgage recently, which was a little annoying (all three bureaus when applying, then just one bureau right before closing). It's 10 bucks per bur...
by TimeRunner
Tue Sep 12, 2017 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports guide to the Equifax breach
Replies: 16
Views: 3129

Re: Consumer Reports guide to the Equifax breach

WHOA!... Part of last Friday's Brian Krebs' web post discussed the new website registration, see: https://krebsonsecurity.com/2017/09/equifax-breach-response-turns-dumpster-fire/ This was the Krebs post prior to this Monday's post that Victoria referenced in her link upthread. In short, it's a real...
by TimeRunner
Tue Sep 12, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Need Cloud Back-Up Service For Mac
Replies: 8
Views: 981

Re: Need Cloud Back-Up Service For Mac

I use iDrive to backup 2 macs (wireless), a windows PC (wired), and synology NAS. They've gotten better over time, and the client software is updated a few times a month (for Mac) to fix bugs or occasionally add a feature. I have it setup to send me a positive confirmation email from each backup ses...
by TimeRunner
Sat Sep 09, 2017 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47156

Re: Equifax customer information leak

I'm thinking that assigning new Social Security and/or Taxpayer I.D. numbers and actually getting them into the hands of the proper recipients without fraud or theft would be very complicated and difficult logistically. Perhaps that credit bureau should foot the bill. Changing your SSN seems like a...
by TimeRunner
Thu Sep 07, 2017 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47156

Re: Equifax customer information leak

I called their phone number 3 times now. They say wait for next available agent but after 5 minutes they say all agents are busy, please call back later, and hang up. Happens in 5 minutes each time. Nice customer service. Did you seriously think you were going to be able to get through to them, and...
by TimeRunner
Wed Sep 06, 2017 10:18 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 78
Views: 7229

Re: To take or not to take delivery of Tesla 3

Nissan Leaf v2 seems functional. When you're sitting IN the car, you don't see the OUTSIDE of the car, so...that doesn't seem very important to me anymore. The Valet just wants a tip regardless. :-) http://www.motortrend.com/cars/nissan/leaf/2018/2018-nissan-leaf-first-drive-review/ I agree, leaf v...
by TimeRunner
Wed Sep 06, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 78
Views: 7229

Re: To take or not to take delivery of Tesla 3

Nissan Leaf v2 seems functional. When you're sitting IN the car, you don't see the OUTSIDE of the car, so...that doesn't seem very important to me anymore. The Valet just wants a tip regardless. :-) http://www.motortrend.com/cars/nissan/l ... ve-review/
by TimeRunner
Mon Sep 04, 2017 7:36 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12826

Re: Florida Hurricanes: When and where to go?

I just wish I had invented Plylock clips. Being a west coaster, I've never heard of them before. (Thanks livesoft.) Simple, effective, cheap - awesome. Good luck to all in FL.
by TimeRunner
Sat Sep 02, 2017 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Start TSP disbursements and delay social security -- or the other way around?
Replies: 39
Views: 2567

Re: Start TSP disbursements and delay social security -- or the other way around?

....I tweaked Stock returns to 6, bond returns to 3, expense inflation to 2.5. Starting SS at age 62, maximum spending was $135K. Starting SS at 70, maximum spending was $122K. :? Also ran the Monte Carlo. Why is the median and average in the Monte Carlo significantly lower than the base "Run ORP" ...
by TimeRunner
Thu Aug 31, 2017 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Facing a setback
Replies: 19
Views: 2129

Re: Facing a setback

I'd ask the mechanic to put the car on the lift and show me the oil pan before I'd put $900 into that repair. Did you run over something or drive a dirt road and clunk it? If it's split, see if you can source a used one from a junk yard. Hang in there.
by TimeRunner
Wed Aug 30, 2017 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Deciding what to do about tax exempt fund in California, specifically VCAIX at Schwab.
Replies: 11
Views: 1191

Re: Deciding what to do about tax exempt fund in California, specifically VCAIX at Schwab.

Assuming you want or need to stay at Schwab, what about holding MECMX (Blackrock Calif Municipal Opportunities Fund) at Schwab, which is no-load, no-commission there, net expense ratio %0.73, duration 5.7 years or so. Morningstar gives it 5 stars. You would use this for future purchases. Dividends f...
by TimeRunner
Wed Aug 23, 2017 10:11 pm
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 64
Views: 4839

Re: Eclipse Traffic: predictions vs reality?

I figured there would be all sorts of news pieces and clickbait articles about "Thousands lose eyesight as they stare at the eclipse", followed by "Class action lawsuits filed against makers and distributors of defective eclipse glasses." Surprisingly quiet so far. :twisted:
by TimeRunner
Mon Aug 21, 2017 10:25 pm
Forum: Investing - Theory, News & General
Topic: Total World (VT, VTWSX) Tilt? Simplicity...
Replies: 32
Views: 3484

Re: Total World (VT, VTWSX) Tilt? Simplicity...

I've got a ton of VT. It's the only holding in my TIRA and Roth. US currently comprises 52.1% of country diversification as of 7/31/17. Super simple and low cost. See: https://personal.vanguard.com/us/funds/snapshot?FundId=3141&FundIntExt=INT#tab=2 EDIT for clarification: Holding additional 30% reti...
by TimeRunner
Sun Aug 20, 2017 7:32 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 13599

Re: I own no international stocks. Can you guess why?

Because you've become a day trader? :wink:
by TimeRunner
Sat Aug 19, 2017 10:22 pm
Forum: Personal Consumer Issues
Topic: Weightlifting Equipment for Home Gym
Replies: 54
Views: 4949

Re: Weightlifting Equipment for Home Gym

Set up a couple of sandbags. Start with 30 lbs and work up to 60. Sit on the floor and sling it over your shoulder. Now get off the floor and stand up. Repeat until you can do 100. Feel free to alternate shoulders.

Cheap and very effective. 8-)
by TimeRunner
Fri Aug 11, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 107
Views: 17705

Re: Best place (with warm weather) to raise children

Ventura's gotten more expensive because:
1. They ain't makin' any more coastline, and
2. Many Santa Barbara workforce folk can't afford to live there so many are commuting from Ventura and points South on the 101
by TimeRunner
Sun Aug 06, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: LastPass Premium price increasing
Replies: 32
Views: 3063

Re: LastPass Premium price increasing

I downgraded from Premium after they expanded the free services. No issues doing that. Don't see any reason to switch to another product at this time.
by TimeRunner
Sat Aug 05, 2017 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Eaton Vance TABS 5-15 year CA Muni Ladder
Replies: 8
Views: 578

Re: Eaton Vance TABS 5-15 year CA Muni Ladder

Hi, I had a similar discussion with my Schwab consultant last month (not in CA). I'm not really interested at this point. But, one of the advantages he had mentioned to me was that EV buys these bonds in a different market than we have access to and get a better price for the bonds. This somewhat o...
by TimeRunner
Fri Aug 04, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: "National Parks senior passes in short supply."
Replies: 34
Views: 3748

Re: "National Parks senior passes in short supply."

Reminder: FedGov is the entity that issues your SSN. "Believe me", they have it already in plenty of databases, as does Experian, and the Dark Web (where it's for sale), etc. The Chinese supposedly have all the FedGov civilian personnel files from the OPM breach, for goodnesssakes. That horse left t...
by TimeRunner
Thu Aug 03, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: "National Parks senior passes in short supply."
Replies: 34
Views: 3748

Re: "National Parks senior passes in short supply."

Search box is your friend: https://www.bogleheads.org/forum/viewtopic.php?t=209446 I saw that; however, I started a separate thread, because I felt this was a separate issue. Addressing this, SpiritRider posted: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=209446&start=50#p3456275 Yes, the...
by TimeRunner
Thu Aug 03, 2017 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: My wife is getting ready to retire from thr Federal Government.
Replies: 30
Views: 3007

Re: My wife is getting ready to retire from thr Federal Government.

I think you'll get the best advice if you reformat your post in the Boglehead's "Asking Portfolio Questions" format: https://www.bogleheads.org/wiki/Asking_portfolio_questions In the meantime, pause a moment and remember that your wife's retirement date doesn't trigger any requirement that you have ...
by TimeRunner
Tue Aug 01, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Beats Vanguard on Total Expenses for 14 Index Mutual Funds]
Replies: 63
Views: 4581

Re: [Fidelity Beats Vanguard on Total Expenses for 14 Index Mutual Funds]

Fidelity's 3,000 person job cuts are out of a 45,000 person workforce, and they are still hiring: https://jobs.fidelity.com/apply-now/search-jobs.html
by TimeRunner
Sun Jul 30, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 33861

Re: John Bogle Has Been Right About Investing In International Stocks

GoldenFinch wrote:Wow, nine pages! :shock:

I'm just going to go with the "nobody knows" adage and not change anything....
One could even remark that "Nobody knows Jack." :twisted:
by TimeRunner
Sun Jul 30, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Cutting The Quicken Cord
Replies: 13
Views: 2502

Re: Cutting The Quicken Cord

While I don't dismiss the privacy concerns of some I'm less hung up on it. To a large degree there is no such thing as privacy anymore. I see people get worked up about privacy but then post every detail of their life on Facebook including very controversial political and other opinions you would t...
by TimeRunner
Fri Jul 28, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: BMW Z3 or Z4 or nothing at all?
Replies: 79
Views: 5395

Re: BMW Z3 or Z4 or nothing at all?

wrongfunds wrote:Buying $10K BMW or Porsche will always costs you $20K+ If $10K is your budget, you don't buy $10K German car!
Lesson learned - ask the OP what the budget is early in the thread!
by TimeRunner
Thu Jul 27, 2017 9:00 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 33861

Re: How much international stock? A suggestion.

This 2016 article has an interesting graph showing a sample of "Equity Market Home Bias by Country", see: https://www.thestreet.com/story/13680785/1/are-you-guilty-of-home-country-bias-see-which-country-s-investors-are-the-worst-at-it.html Here's a Vanguard paper from 2017: https://personal.vanguard...
by TimeRunner
Thu Jul 27, 2017 5:49 pm
Forum: Personal Consumer Issues
Topic: Getting Warm/Hot Water from Cold Line in Condo
Replies: 27
Views: 2723

Re: Getting Warm/Hot Water from Cold Line in Condo

Assuming it doesn't happen only while someone in the condo is taking a shower or using a single lever faucet (where cold and hot water are mixing within the fixture itself), I'd also be looking for any recirculating pumps and check valves on the hot water side that might be malfunctioning. These are...
by TimeRunner
Wed Jul 26, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 33861

Re: How much international stock? A suggestion.

"Buy-and-hold, long-term, all-market-index strategies, implemented at rock-bottom cost, are the surest of all routes to the accumulation of wealth" - John C. Bogle

All-market-index is all-market-index, nyet? :twisted:
by TimeRunner
Wed Jul 26, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 7145

Re: Post Nuptial agreement guaranteeing alimony?

I don't think this is a good solution myself, but apparently Marriage (Divorce) Insurance is a real thing: http://wedlockdivorceinsurance.com/
by TimeRunner
Wed Jul 26, 2017 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Cutting The Quicken Cord
Replies: 13
Views: 2502

Re: Cutting The Quicken Cord

A lot of good Quicken feedback in other recent Quicken BH threads: https://www.google.com/search?sitesearc ... &q=quicken

I'm running Moneydance in parallel with Quicken in prep for cutting over all-the-way. Moneydance is a little more clunky and less pretty, but it has better privacy.
by TimeRunner
Fri Jul 21, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: How is U-Haul for getting a trailer hitch?
Replies: 28
Views: 2168

Re: How is U-Haul for getting a trailer hitch?

I agree that it looks pretty easy to install the hitch itself. I think I could do it myself if I wanted to crawl around under the vehicle. Is there anything wrong with just having U-Haul do the hitch and then maybe I can have the wiring done later if I decide I need it? It looks like these are sepa...
by TimeRunner
Fri Jul 21, 2017 8:36 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 190
Views: 32350

Re: Improving the TSP [for current participants]

Update on TSP Modernization Act of 2017: "The committees assigned to this bill sent it to the House or Senate as a whole for consideration on July 19, 2017." See: https://www.govtrack.us/congress/bills/115/hr3031 One unhappy note: "Prognosis: 8% chance of being enacted according to Skopos Labs" See ...