Search found 300 matches

by Tim_in_GA
Wed Dec 30, 2015 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Amerisave.com and AIMLOAN.COM Experiences
Replies: 7
Views: 949

Re: Amerisave.com and AIMLOAN.COM Experiences

I used AimLoan for a HARP2 refinance years ago. The process was pretty easy and they were great to work with. No complaints.
by Tim_in_GA
Fri Oct 23, 2015 6:54 am
Forum: Personal Consumer Issues
Topic: Best Online Genealogical Chart?
Replies: 26
Views: 3579

Re: Best Online Genealogical Chart?

I have found WikiTree pretty helpful. It's a free site where you can collaborate with others. I've gotten so much further there than any other site.
by Tim_in_GA
Wed Sep 30, 2015 5:45 am
Forum: Personal Finance (Not Investing)
Topic: Laid off today.. please advise
Replies: 35
Views: 6493

Re: Laid off today.. please advise

OP - sorry to hear that. I was laid off at the end of July so I know how you feel. You've gotten lots of good advice here. I would recommend taking a week to chill out and do something to take your mind off things. Go hiking or whatever you typically enjoy. Then begin to work on a budget. If you are...
by Tim_in_GA
Sun Aug 30, 2015 7:49 am
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 143
Views: 13392

Re: Aug 2015 correction: what Bogleheads did...

Did nothing. Too busy looking for a job after my company let me go after nearly 14 years there. :(

But sometime I need to move that high-fee 401k into something else.
by Tim_in_GA
Fri Feb 20, 2015 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Should older workers omit graduation dates on resume?
Replies: 34
Views: 4876

Re: Should older workers omit graduation dates on resume?

I don't see any point in the graduation date. The degree type & major/minor are more important. The dates of works experience will give a clue as to the grad date, but overall the actual work experience is what counts.
by Tim_in_GA
Wed Jan 14, 2015 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Reporter doing story on Turbo Tax Fracas
Replies: 52
Views: 9315

Re: Reporter doing story on Turbo Tax Fracas

Saving$ wrote:... they must files in a hidden part of your hard drive that stayed there even if you reformatted.
Impossible with a full (not "quick") reformat.
by Tim_in_GA
Wed Jan 14, 2015 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Reporter doing story on Turbo Tax Fracas
Replies: 52
Views: 9315

Re: Reporter doing story on Turbo Tax Fracas

Unlike many post here, I love TurboTax. I've used it for over 20 years, and never had any issues. I find it to be a stellar product, and I'm glad Vanguard has discounted it. Free for the Premiere version. Hire an accountant, or CPA to do your tax return and see how much your charged. It's come to m...
by Tim_in_GA
Thu Dec 04, 2014 12:30 pm
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 97
Views: 13341

Re: Where do you shop for groceries?

Kroger and Assi (Korean) for weekly shopping trips.
Once a month at Costco.
A couple times a year at Whole Foods for hard-to-find stuff.
by Tim_in_GA
Tue Oct 21, 2014 8:31 am
Forum: Personal Consumer Issues
Topic: Can Navigation be added to a new Toyota Sienna?
Replies: 7
Views: 10509

Re: Can Navigation be added to a new Toyota Sienna?

My car has built-in navigation but I do not use it. I find the Waze app on my iPhone so much easier to use and gives me tons of info on what's going on right now.
by Tim_in_GA
Tue Sep 30, 2014 5:49 am
Forum: Investing - Theory, News & General
Topic: Will you invest in Bill Gross's new bond fund?
Replies: 51
Views: 4318

Re: Will you invest in Bill Gross's new bond fund?

matjen wrote:Pimco (PTTRX) is basically my only option for a bond fund in my 401(k). Till that changes I really have no option.
Same here and I plan to stick with it.
by Tim_in_GA
Fri Aug 15, 2014 6:23 am
Forum: Personal Consumer Issues
Topic: Cost of House Power Washing
Replies: 8
Views: 1183

Re: Cost of House Power Washing

Even though I own a pressure washer I sometimes pay a guy in the neighborhood $100 to wash my house. I've seen rates $180 and higher around here. That reminds me - my house really needs washed!
by Tim_in_GA
Wed Jul 16, 2014 6:34 am
Forum: Personal Finance (Not Investing)
Topic: Overseas Residents And the Affordable Health Care Act
Replies: 10
Views: 1485

Re: Overseas Residents And the Affordable Health Care Act

* When you are eventually eligible for Medicare, I think you can get treatment in Guam/Saipan. That would at least be an option for you that is closer than Honolulu -- you can get direct flights to Guam via Taipei or Hong Kong, among other choices. Guam is a 4 hour flight from Taipei or Manila and ...
by Tim_in_GA
Mon Jul 07, 2014 6:40 am
Forum: Investing - Theory, News & General
Topic: US citizens abroad cannot invest through [Fidelity]
Replies: 97
Views: 18042

Re: US citizens abroad cannot invest through [Fidelity]

Now your real worry might be how to get the money.... NYTimes: U.S. Banks Curtail International Money Transfers http://nyti.ms/1mYIGTL Under regulatory pressure, many banks are ending or limiting money transfers... Let's hope brokerages don't follow suit! Oops, looks like JPMorgan has ... Yeah, tha...
by Tim_in_GA
Mon Jul 07, 2014 6:20 am
Forum: Investing - Theory, News & General
Topic: US citizens abroad cannot invest through [Fidelity]
Replies: 97
Views: 18042

Re: US citizens abroad cannot invest through [Fidelity]

I plan to move overseas at retirement. At that time I will be in the withdrawal phase so this wouldn't really matter to me, right? I won't be buying funds but I do see the possibility of rebalancing.
by Tim_in_GA
Tue Jun 24, 2014 6:21 am
Forum: Personal Consumer Issues
Topic: Moving back to the U.S. - Any ideas on a hatchback car?
Replies: 33
Views: 3146

Re: Moving back to the U.S. - Any ideas on a hatchback car?

Mazda 3. Ours is new, but it is an amazing car. Great mileage. Great driving. Great safety rating. Great reliability reputation. Couldn't be more positive. YES! I have a 2013 Grand Touring hatchback and love, love, love it. Can't wait to get rid of the stock tires and put on something better - then...
by Tim_in_GA
Fri Jun 20, 2014 8:58 am
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 13105

Re: It is time to retire when you .......

When my investments can generate income greater than my spending needs, then it's time.
by Tim_in_GA
Fri Jun 20, 2014 5:59 am
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 12405

Re: What Do You Eat For Snacks?

Quest Bars. Flavors differ in calorie count but I like chocolate peanut butter 160 cal 17g fiber, 2g sugar, 20g protein. I find these far more satisfying than any other 160 cal snack (fiber?) and I prefer then to other bars as they seem less sweet. My other regular snack is Kettle brand potato chip...
by Tim_in_GA
Wed Jun 18, 2014 6:31 am
Forum: Investing - Help with Personal Investments
Topic: New company, New 401k - seeking investment advice
Replies: 8
Views: 1310

Re: New company, New 401k - seeking investment advice

If it was me I would put the majority in SSgA S&P 500 Index Securities Lending Series Fund. I always pick the lowest ER funds that come the closest to matching my AA. Maybe open a Roth IRA with an extended market index. That's what I do because I also have a S&P 500 index in the 401k but I want the ...
by Tim_in_GA
Thu Jun 12, 2014 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Time to Sell Index Funds While Market Is High?
Replies: 37
Views: 4932

Re: Time to Sell Index Funds While Market Is High?

Dunno... I hit a balance band and did what I do when I hit them. Same here. Normally I would wait until the end of a quarter and evaluate it then but my company is switching 401k providers at the end of the month and we'll be locked out for roughly 6 weeks. I rebalanced Tuesday, lowering stock allo...
by Tim_in_GA
Thu Jun 12, 2014 6:15 am
Forum: Personal Finance (Not Investing)
Topic: As Bogleheads, a comforting thought for everyone....
Replies: 46
Views: 6380

Re: As Bogleheads, a comforting thought for everyone....

Great post Cut-Throat!! That put me in a better mood this morning. Can't wait until I am on the spending side instead of the saving side!
by Tim_in_GA
Thu Jun 12, 2014 5:56 am
Forum: Investing - Help with Personal Investments
Topic: Using 100% Stable Value as bond allocation
Replies: 31
Views: 3561

Re: Using 100% Stable Value as bond allocation

I would do the same if I had a SV fund available paying that much. The SV fund available to me pays next to nothing.
by Tim_in_GA
Sun Jun 08, 2014 4:28 am
Forum: Personal Finance (Not Investing)
Topic: POLL: Do/did you get a match? How much?
Replies: 67
Views: 5849

Re: POLL: Do/did you get a match? How much?

100% up to 4.25% of salary. Not sure why they came up with a fractional number like that.
by Tim_in_GA
Fri Jun 06, 2014 8:05 am
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 414
Views: 100041

Re: Pull-ups and Push-ups

davebo wrote:But the pull-up just alludes me for some reason. What's a good way to work up to doing a single pullup? A doorway bar with those bands? Or lat pulldowns?
Do negatives. Use a step stool to get up on the bar in a "fully-raised" position. Then slowly lower down while resisting as much as you can.
by Tim_in_GA
Tue Jun 03, 2014 6:59 am
Forum: Personal Consumer Issues
Topic: Amazon prime - how to get the best out of it?
Replies: 48
Views: 6494

Re: Amazon prime - how to get the best out of it?

Probably not going to resubscribe to prime. I don't care about the price increase, but they've almost completely stopped using UPS. Now it's USPS and some other cheap services like Lasership. They almost never deliver within 2 business days, and they sometimes deliver to the wrong mailbox. There ar...
by Tim_in_GA
Thu May 29, 2014 10:23 am
Forum: Personal Consumer Issues
Topic: running shoes for a severe overpronator(flatfoot)
Replies: 45
Views: 5861

Re: running shoes for a severe overpronator(flatfoot)

Definitely get checked at a real running store, not a chain sports store. I'm a slight overpronator and Brooks shoes fit me very well. Every shoe maker builds their shoe around a certain "last" and some have many lasts like New Balance. The shoe that feels the best when you first put it on will prob...
by Tim_in_GA
Wed May 07, 2014 9:57 am
Forum: Personal Finance (Not Investing)
Topic: What our company's 401k Advisor said about 1.5% Fees
Replies: 115
Views: 22965

Re: What our company's 401k Advisor said about 1.5% Fees

The rep for our 401k plan came in one day for an info session. He talked about fees and said that people at Coca-Cola (because we are in the ATL area) don't get expenses as low as we do. All our funds average over 1% in fees! When he said that I quickly lost interest in anything else coming out of h...
by Tim_in_GA
Fri Mar 07, 2014 11:44 am
Forum: Personal Consumer Issues
Topic: Auto trailer hitch bike racks
Replies: 21
Views: 2563

Re: Auto trailer hitch bike racks

I have the Swagman XTC 2 and love it. Works great to hold two mountain bikes on my Mazda3 and seems very stable.

Image
by Tim_in_GA
Mon Feb 17, 2014 10:09 am
Forum: Personal Consumer Issues
Topic: What are reliable refrigerator brands these days?
Replies: 51
Views: 34547

Re: What are reliable refrigerator brands these days?

My GE Profile fridge has been working great for six years. No complaints. Pretty much the same as Samsung, even made in Korea.
by Tim_in_GA
Tue Dec 17, 2013 11:06 am
Forum: Personal Consumer Issues
Topic: How long do you keep your cars? Why do you replace it?
Replies: 72
Views: 6881

Re: How long do you keep your cars? Why do you replace it?

Exactly one year ago I had a 16-yo Ford Taurus and a 14-yo Dodge Ram. I didn't trust the Taurus any more due to frequent issues so I got rid of it and bought a new Mazda 3. In August we bought a new Chevy Spark for my wife and since I never drove the truck any more (and didn't have room for it) I do...
by Tim_in_GA
Mon Sep 30, 2013 6:10 am
Forum: Personal Consumer Issues
Topic: I am looking for an exceptional blender.
Replies: 26
Views: 2592

Re: I am looking for an exceptional blender.

If you are doing just small batches at a time use a coffee bean grinder. I don't know how big then plant material is you are working with. My wife has done this when she needed a small amount of chickpea flour.
by Tim_in_GA
Thu Sep 26, 2013 6:37 am
Forum: Personal Consumer Issues
Topic: Advising a Future Engineer (Updated)
Replies: 42
Views: 3146

Re: Advising a Future Engineer

cheesepep wrote:I, as an engineer, suggest he go to programming camp. Learning C or one of its variants is always a good start.

edit* Definitely take physics in high school, skip biology.
I agree - learn some programming now. And take college-credit courses in high school if offered.
by Tim_in_GA
Wed Aug 21, 2013 10:07 am
Forum: Investing - Theory, News & General
Topic: S&P 500 Index fund with 2.7% ER
Replies: 22
Views: 3728

Re: S&P 500 Index fund with 2.7% ER

My John Hancock S&P500 index fund has a 0.69% ER and that's the lowest ER in the plan. I have a large chunk of my 401k going into that one.
by Tim_in_GA
Tue Aug 13, 2013 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Ugh, John Hancock 401k - is it worth it?
Replies: 11
Views: 1244

Re: Ugh, John Hancock 401k - is it worth it?

Let's see, the match is giving her a guaranteed 20% annual return, but you are worried about a 1% hit per year to expense ratio? I'd say it is worth it. No, I don't see a 20% annual return. But I agree it's worth it to invest up to the match (at least). I have a JH 401k at work and get a 4.25% matc...
by Tim_in_GA
Tue Aug 13, 2013 6:10 am
Forum: Investing - Help with Personal Investments
Topic: John Hancock funds can't be found on morningstar?
Replies: 4
Views: 1559

Re: John Hancock funds can't be found on morningstar?

I have some JH funds in my 401(k) and sometimes Morningstar has some trouble with them and later they seem to come back. Yahoo Finance can see that fund (JETSX). Also, JH has changed ticker symbols on me more than once so check with your plan to see if there's any updated info.
by Tim_in_GA
Fri Aug 09, 2013 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Lobbying for 401K funds
Replies: 24
Views: 1676

Re: Lobbying for 401K funds

All I can say is good luck. It's like talking to a brick wall at my company. I even posted the suggestion to our online "suggestion box" so more people in the company would hopefully see it and it was immediately removed.
by Tim_in_GA
Thu Aug 08, 2013 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Rethinking 4% withdrawal article thoughts ?
Replies: 37
Views: 3964

Re: Rethinking 4% withdrawal article thoughts ?

Note that 4% is the number that worked in the WORST 30 year periods That's what always gets me about SWR talk. Everyone is basing it off the worst possible scenario, right? Seems like you could take out more most of the time. It's not really relevant to me anyway - with my SS, wife's SS, and a smal...
by Tim_in_GA
Thu Aug 08, 2013 10:20 am
Forum: Personal Consumer Issues
Topic: mens non-iron pants buying suggestion
Replies: 9
Views: 3733

Re: mens non-iron pants buying suggestion

I always buy mine at the Haggar outlet. They seem to last a long time and always look good coming out of the dryer (I only buy stuff I can machine wash at home).
by Tim_in_GA
Wed Jul 24, 2013 6:09 am
Forum: Investing - Theory, News & General
Topic: What did Bogleheads do when the stock market crashed?
Replies: 129
Views: 85705

Re: What did Bogleheads do when the stock market crashed?

I had never heard of Bogleheads at that time. When it happened I had just gotten a decent pay raise and I ended up putting all of that pay raise towards increasing my 401(k) contributions. I'm glad I did that then because in the next couple of that followed our raises were next to nothing and we too...
by Tim_in_GA
Tue Jun 04, 2013 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for online international banking
Replies: 14
Views: 1516

Re: Looking for online international banking

You might want to look into HSBC. I only know them because of their online savings account. She has used them in the past but their different country branches did not play nice together as least as far as the consumer was concerned. They charged transfer fees on both ends of the transactions. They ...
by Tim_in_GA
Thu May 23, 2013 9:25 am
Forum: Personal Consumer Issues
Topic: Runners Knee...new shoes, orthotics, what?
Replies: 47
Views: 4897

Re: Runners Knee...new shoes, orthodics, what?

I use a foam roller on my IT band - along the side of my leg from the knee up to the hip. Really painful to massage sometimes but it definitely helps my knee pain.
by Tim_in_GA
Sun Apr 28, 2013 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: The Frontline Retirement Episode
Replies: 16
Views: 2347

Re: The Frontline Retirement Episode

and the fees: ALZGI NFJ SMCPVL IS - .87% exp ratio .86% management fee PIM TOTAL RT INST - .46% exp ratio .46% management fee SPTN 500 INDEX INST - .05% exp ratio .03% management fee SPTN INTL INDEX ADV - .17% exp ratio .06% management fee Wow, you should feel good, not upset. Those are great compa...
by Tim_in_GA
Fri Apr 12, 2013 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Help choosing between 4 bond funds in 401k
Replies: 16
Views: 2591

Re: Help choosing between 4 bond funds in 401k

I've been happy with PIMCO Total Return but then it's my only bond fund choice besides a high-yield fund.
by Tim_in_GA
Fri Apr 12, 2013 6:05 am
Forum: Personal Consumer Issues
Topic: Spouse wants to purchase a bicycle for 5000.
Replies: 129
Views: 10855

Re: Spouse wants to purchase a bicycle for 5000.

I will have to silently repeat to myself "happy spouse=happy life" as my spouse whizzes down the road in their new bicycle. Yes, that's the key to being happy. Except it's "happy wife = happy life." Spouse could go either way and we all know the husband's happiness doesn't matter a whole lot in mos...
by Tim_in_GA
Wed Mar 27, 2013 5:54 am
Forum: Investing - Theory, News & General
Topic: Now in Wiki: Help for Taiwan Bogleheads
Replies: 1
Views: 270

Re: Now in Wiki: Help for Taiwan Bogleheads

Great work!! Thanks for putting that out there! 謝謝!
by Tim_in_GA
Wed Mar 20, 2013 12:33 pm
Forum: Personal Consumer Issues
Topic: 1 Minute of Exercise Could Lengthen Life by 7 Minutes
Replies: 24
Views: 2492

Re: 1 Minute of Exercise Could Lengthen Life by 7 Minutes

His theory was that we're each born with a finite number of heartbeats, and exercise just uses them up sooner. Aerobic exercise tends to lower your resting heart rate, so maybe the lower heart rate (I run 5 miles 3-4 days/week and my resting heart rate is now 48) helps offset the heartbeats you use...
by Tim_in_GA
Wed Mar 20, 2013 7:45 am
Forum: Personal Consumer Issues
Topic: 1 Minute of Exercise Could Lengthen Life by 7 Minutes
Replies: 24
Views: 2492

Re: 1 Minute of Exercise Could Lengthen Life by 7 Minutes

Considering I am running, biking, and doing P90X right now I had better save more for retirement! I might be living a bit longer than I thought. :)
by Tim_in_GA
Thu Mar 07, 2013 7:27 am
Forum: Local Chapters and Bogleheads Community
Topic: Taiwan Local Chapter
Replies: 85
Views: 17852

Re: Taiwan Local Chapter

May I suggest you consider creating a wiki article to describe Bogleheads investing for Taiwan? I would love to see something like that since I will eventually be living there. My wife & I have talked about setting up an investment account over there when we visit next year and start building up so...
by Tim_in_GA
Fri Mar 01, 2013 12:55 pm
Forum: Personal Consumer Issues
Topic: Disappointment while shopping for a new fridge
Replies: 44
Views: 6077

Re: Disappointment while shopping for a new fridge

People poo-poo on GE but our GE Profile french door fridge has not had a single issue since we bought it 3 years ago. It was made in Korea, probably on the same line as Samsung and LG. When we were shopping they all seemed nearly identical.
by Tim_in_GA
Fri Mar 01, 2013 8:27 am
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 571
Views: 134317

Re: What's your favorite frugal thing(s) to do?

My favorite is exercise. I work out at home with minimal equipment. I also run and ride my mountain bike. Both very cheap activities. My least favorite - washing out Zip-Loc bags to reuse. That's more my wife's thing but when I see a used bag sitting in the sink for more than a day it bugs me and I ...