Search found 1496 matches

by TimeRunner
Thu May 23, 2019 10:04 am
Forum: Investing - Theory, News & General
Topic: just a general comment about "too conservative" investors here
Replies: 139
Views: 11805

Re: just a general comment about "too conservative" investors here

I have a good friend who invested all his retirement savings (about $800K) in single-family houses in a small town that was expanding as a "prison town" and was under-housed. (I tried to get him to Bogleheads but he had a better idea.) He saved money by trying to be his own property manager, althoug...
by TimeRunner
Wed May 22, 2019 9:49 pm
Forum: Personal Consumer Issues
Topic: Short (3 night) Catamaran Charter in USVI or BVI
Replies: 13
Views: 970

Re: Short (3 night) Catamaran Charter in USVI or BVI

We've rented a house on St John twice, and most recently went on an 8 day crewed sail charter sailing catamaran in the BVIs. The Cat we had was set up with 4 cabins, each with it's own head. Having a Captain was obviously more expensive, but it was great to have local knowledge to take us to places...
by TimeRunner
Wed May 22, 2019 5:35 pm
Forum: Personal Investments
Topic: Kids accounts: Vanguard Total World Stock
Replies: 24
Views: 1917

Re: Kids accounts: Vanguard Total World Stock

It might be but probably won't be that this fund choice will be the most logical for them as time goes on. Do you mind expanding a bit on this? Thanks for your reply. Yes, it's the fact that once one starts to locate funds in different kinds of accounts and one deals with the best choices in a 401k...
by TimeRunner
Wed May 22, 2019 3:22 pm
Forum: Personal Investments
Topic: Kids accounts: Vanguard Total World Stock
Replies: 24
Views: 1917

Re: Kids accounts: Vanguard Total World Stock

It might be but probably won't be that this fund choice will be the most logical for them as time goes on. Do you mind expanding a bit on this? Thanks for your reply. Yes, it's the fact that once one starts to locate funds in different kinds of accounts and one deals with the best choices in a 401k...
by TimeRunner
Wed May 15, 2019 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Maxifi planner
Replies: 36
Views: 7338

Re: Maxifi planner

afan wrote:
Wed May 15, 2019 9:56 am
Back to the restaurant example. I could afford to buy more food than I want to eat, but why should I?
The example is really more like: I'm happy to eat a hot dog for dinner, so why would I eat in a nice restaurant?

Doesn't sound like this software meets your needs. :wink:
by TimeRunner
Wed May 08, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: French Door Refrigerator Recommendations?
Replies: 65
Views: 4800

Re: French Door Refrigerator Recommendations?

Here's an update to my upthread posts: AIG, the insurance company Best Buy uses to handle warranty claims, sent a tech after eight days, and he diagnosed a failed compressor. As he was ordering a new one from LG, he was informed that LG is now covering all parts and labor for the "sealed system", wh...
by TimeRunner
Mon May 06, 2019 10:09 pm
Forum: Personal Consumer Issues
Topic: Which US city would you move to?
Replies: 74
Views: 7037

Re: Which US city would you move to?

Not Actionable, period.
by TimeRunner
Sun May 05, 2019 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Maxifi planner
Replies: 36
Views: 7338

Re: Maxifi planner

That’s funny, the first think I look at is “per-adult living standard." That’s what makes horse races. Yes, that's the number we're trying to optimize. It's not a budget planning tool at all, it's about optimizing discretionary income and smoothing it over remaining lifetime(s). If one doesn't spen...
by TimeRunner
Mon Apr 22, 2019 9:46 pm
Forum: Personal Consumer Issues
Topic: French Door Refrigerator Recommendations?
Replies: 65
Views: 4800

Re: French Door Refrigerator Recommendations?

Update: Tech diagnosed the fridge today - no surprise, it's the compressor. Should have Best Buy/AIG's approval for repair within 2 days, then order new compressor, then schedule installation for around May 6 (two weeks). Will take 3-4 hours to repair, which involves removing reefer gas, cutting pre...
by TimeRunner
Sun Apr 21, 2019 4:07 pm
Forum: Personal Consumer Issues
Topic: French Door Refrigerator Recommendations?
Replies: 65
Views: 4800

Re: French Door Refrigerator Recommendations?

This is the extended warranty with BB? Lowe’s gave us a loaner fridge when our Samsung conked out. It was a pain, because it was sitting in our already small kitchen next to the dead Samsung, but at least we had something. No loaners, and you have to ask about a Food Spoilage Claim form, or Google ...
by TimeRunner
Sat Apr 20, 2019 9:22 pm
Forum: Personal Consumer Issues
Topic: French Door Refrigerator Recommendations?
Replies: 65
Views: 4800

Re: French Door Refrigerator Recommendations?

LG-authorized repair person supposedly comes Monday. Best Buy handed it off to their insurance company for fridges, AIG, who then contracts with semi-local (40 miles away) repair shop that sends tech to diagnose issue. (It's a busted compressor but they won't take customer's diagnosis - they need to...
by TimeRunner
Sat Apr 20, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Controlling Ivy on walls
Replies: 26
Views: 1532

Re: Controlling Ivy on walls

Rats love ivy - easy to climb, great habitat to hide and burrow in. Oh, no, not RATS! And how about snakes?? Snakes creep me out! This board has people post their experiences from all over. I know nothing about Virginia Creeper. Here on the West Coast, English Ivy is a scourge. Once planted as a qu...
by TimeRunner
Thu Apr 18, 2019 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 129
Views: 9385

Re: Quicken 2019 and forward

The dealer might charge you less for any number of reasons, including fostering loyalty, hoping for repeat business, having you give them a good review or mention on social media, whatever. I used the word MIGHT in caps and carefully qualified my answer. Good luck with whatever path you choose. 8-)
by TimeRunner
Thu Apr 18, 2019 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 129
Views: 9385

Re: Quicken 2019 and forward

Based on your "one batch file" I downloaded Moneydance to try it out. The only import mechanism I could find was via QIF files and those only work one account at a time. I have dozens of accounts so that seems like a massive project. QIF files aren't very good at dealing with transfers between acco...
by TimeRunner
Thu Apr 18, 2019 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 129
Views: 9385

Re: Quicken 2019 and forward

Based on your "one batch file" I downloaded Moneydance to try it out. The only import mechanism I could find was via QIF files and those only work one account at a time. I have dozens of accounts so that seems like a massive project. QIF files aren't very good at dealing with transfers between acco...
by TimeRunner
Thu Apr 18, 2019 7:53 pm
Forum: Personal Consumer Issues
Topic: Controlling Ivy on walls
Replies: 26
Views: 1532

Re: Controlling Ivy on walls

Rats love ivy - easy to climb, great habitat to hide and burrow in.
by TimeRunner
Mon Apr 15, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9990

Re: seriously thinking about leaving S. CA but where to?

What's your budget for your new home + (property taxes + state income tax) per year?

Maybe you just need to move from Anaheim to Laguna Beach oceanfront. Is Emerald Bay in your budget? :? A few miles is a world of difference and a relatively easy move.
by TimeRunner
Mon Apr 15, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: French Door Refrigerator Recommendations?
Replies: 65
Views: 4800

Re: French Door Refrigerator Recommendations?

There are many Internet complaints about LG's linear compressor failures, as well as repair time due to parts backorders and lack of repair techs. A class action lawsuit is being filed in California and is likely to expand to other states. See: https://www.girardsharp.com/work-pending-lg-fridge-clas...
by TimeRunner
Sun Apr 14, 2019 8:43 pm
Forum: Personal Consumer Issues
Topic: French Door Refrigerator Recommendations?
Replies: 65
Views: 4800

Re: French Door Refrigerator Recommendations?

If you had asked a few days ago, I'd have written a strong recommendation for an LG. But yesterday afternoon it mostly stopped making 'cool'. The freezer side is just above fridge temp, the fridge side is only slightly cool. Best Buy extended warranty - they've been called but appointment is eight d...
by TimeRunner
Sun Apr 14, 2019 2:18 pm
Forum: Personal Investments
Topic: ORP says I should stop all pre-tax contribs
Replies: 75
Views: 5969

Re: ORP says I should stop all pre-tax contribs

The ORP baked in assumption that tax rates will revert to 2017 levels after 2025 is driving the seemingly anomalous results. If the assumption turns out to be correct, then it looks like to me that ROTH and taxable is preferable to tax deferred for those years of lower than historic taxes. However ...
by TimeRunner
Sat Apr 13, 2019 6:21 pm
Forum: Personal Investments
Topic: Fidelity is making it hard for my daughter to fund a Roth
Replies: 55
Views: 5902

Re: Fidelity is making it hard for my daughter to fund a Roth

See this SEC "Fast Answer" for why any US broker-dealer (not just Fido) would ask for this information: https://www.sec.gov/fast-answers/answer ... fohtm.html

TLDR: Times and requirements have changed since you or your loved ones last opened an account.
by TimeRunner
Fri Apr 12, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 575
Views: 66159

Re: Fidelity as a one stop shop

mighty72 wrote:
Fri Apr 12, 2019 4:39 pm
Wiki entry, please add to it
https://www.bogleheads.org/w/index.php? ... elcome=yes
Marvelous! (as Clint Eastwood says, but in a good way!) This is a really useful topic.
by TimeRunner
Thu Apr 11, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 827
Views: 81874

Re: What frugal thing did you do today?

Not register for Bogleheads 2019 conference. Will put that travel money towards Galapagos and Easter Island trips. :mrgreen:
by TimeRunner
Tue Apr 09, 2019 8:59 pm
Forum: Investing - Theory, News & General
Topic: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)
Replies: 32
Views: 3062

Re: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)

Another Fido Fan here. Happy to have taxable at Vanguard and Roth and TIRA at Fido, with local office, free TurboTax Premier, free notary/medallion, 2% cash back credit card tied to CMA, no fee ATM, yada yada yada. My Fido Zero holdings are up about $2...as they are holding the spare change in my re...
by TimeRunner
Mon Apr 08, 2019 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 129
Views: 9385

Re: Quicken 2019 and forward

Our household switched to Moneydance. I switched maybe 18 months ago and have run in parallel with Quicken 2016 until April 1, 2019. Wife switched from Quicken 2016 (same license) to Moneydance (same license) last month. We've now dropped Quicken completely. Tips for those interested: The Moneydance...
by TimeRunner
Sat Apr 06, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 388
Views: 29165

Re: Talk me out of buying a Tesla Model 3

Sandy Munro (Munro & Associates) had very interesting things to say about Tesla on the most recent Autoline After Hours video/podcast, found here:https://youtu.be/2DucRxWz_58?t=69 Munro was previously very critical of Tesla's design, build quality, body engineering, while very impressed about the po...
by TimeRunner
Thu Apr 04, 2019 8:14 pm
Forum: Investing - Theory, News & General
Topic: Would you buy Total World index if it had Admiral Shares?
Replies: 86
Views: 14926

Re: Would you buy Total World index if it had Admiral Shares?

We're into the VT ETF (held at Fido) bigtime. Yay us, heh. :beer
by TimeRunner
Wed Mar 27, 2019 8:02 pm
Forum: Personal Consumer Issues
Topic: Decent hiking/trekking clothing?
Replies: 50
Views: 1932

Re: Decent hiking/trekking clothing?

I'd think about dressing down and avoiding logo-wear. Take the plastic Casio too. :!:
by TimeRunner
Wed Mar 27, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Are 2004 Ford Rangers Reliable?
Replies: 20
Views: 1367

Re: Are 2004 Ford Rangers Reliable?

I owned a '94 Ranger 4-cy, bought new and kept until 2009. It was generally reliable, except for two issues: Radiator needed to be swapped with a rebuilt, and the ECU computer failed, requiring replacement. I wore the driver's seat out too. Please note that the '94 DOES NOT HAVE AIRBAGS - they were ...
by TimeRunner
Wed Mar 27, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: Cox Retention Department
Replies: 9
Views: 928

Re: Cox Retention Department

Where we live, and possibly where you live, our only other wired choice is copper DSL, and Cox knows it. Our Cox cost just went up another $5/month, so last week we decided to drop down from 50Mb to 30Mb download, saving $18/month. There was no loyalty program or commit-for-12-months-and-save progra...
by TimeRunner
Tue Mar 26, 2019 5:52 pm
Forum: Personal Consumer Issues
Topic: How to Sell a Wyland Painting on My Bathroom Wall?
Replies: 74
Views: 6340

Re: How to Sell a Wyland Painting on My Bathroom Wall?

You can also buy a Wyland bathroom soap dispenser that's whale themed: https://www.pinterest.com/pin/498492252486520432/ Amusingly, Google images has already captured the photo of the "Bathroom by Wyland" dolphin, and returns the image in the search results: https://goo.gl/images/zCTYh3 OP's bathroo...
by TimeRunner
Mon Mar 25, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: How to Sell a Wyland Painting on My Bathroom Wall?
Replies: 74
Views: 6340

Re: How to Sell a Wyland Painting on My Bathroom Wall?

"Bathroom by Wyland" is the signature. Whatever you decide to do, that's sly wit right there. :)
by TimeRunner
Thu Mar 21, 2019 9:18 pm
Forum: Personal Consumer Issues
Topic: Google fi users - happy with it and recs?
Replies: 16
Views: 1064

Re: Google fi users - happy with it and recs?

Fi works great for us, but we live in coastal California and there's lot's of cell coverage except in the canyons and wildlands. My typical bill is $23-28/month. I have had a Pixel Xl and am currently using a Pixel 2 XL. Most of my phone/data use is over Wi-Fi, with Google Fi VPN automatically enabl...
by TimeRunner
Wed Mar 20, 2019 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 172
Views: 19321

Re: Why should FEHB members buy Medicare Part B?

ChrisC, thanks for sharing your experiences. FEHB seems to be s l o w l y improving FEHB plan coordination with Medicare. Let's hope that progress continues.
by TimeRunner
Wed Mar 20, 2019 8:45 pm
Forum: Personal Consumer Issues
Topic: Where to live: Santa Barbara area versus Palm Beach versus Sarasota?
Replies: 28
Views: 2555

Re: Where to live: Santa Barbara area versus Palm Beach versus Sarasota?

SB, "home of the newlywed and nearly dead" - there's truth in that. Sansum Clinic and Cottage Hospital are the healthcare big dogs (and are excellent), but there's plenty of specialty practices, surgery centers, dermo clinics, etc. You can find everything from terrible student/slumlord housing to Op...
by TimeRunner
Wed Mar 20, 2019 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 172
Views: 19321

Re: Why should FEHB members buy Medicare Part B?

Health deterioration can also be cognitive. One advantage of having Medicare Part B along with FEHB is that Medicare B is primary and will bill your FEHB plan, which, if you select one, will pick up the rest of the bill (prescription drugs and other exclusions apply). Without Part B, you or your per...
by TimeRunner
Sun Mar 17, 2019 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 575
Views: 66159

Re: Fidelity as a one stop shop

Can someone explain clearly: Do you need both a brokerage account AND a CMA account to have a MM fund as a sweep account? Just trying to avoid having cash swept to a bank account (if I go this direction, which is uncertain). Please explain like I'm 14 years old how to optimize cash management at Fid...
by TimeRunner
Sun Mar 17, 2019 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 575
Views: 66159

Re: Fidelity as a one stop shop

He is right. 1 CMA with core as FDIC-CASH and buy SPRXX does same thing where first FDIC-CASH is emptied followed by money market funds to pay bills, checks, ATM etc But you can't hold SPRXX within the CMA, right? So you need a brokerage account to hold that fund, and designate it as the overdraft ...
by TimeRunner
Sat Mar 16, 2019 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 172
Views: 19321

Re: Why should FEHB members buy Medicare Part B?

Funny timing for me. I decided to opt in for Part B because: I can afford it, even with IRMAA penalties for a few years while I do Roth IRA conversions prior to claiming SS at 70 Ease of billing, as Docs will bill Medicare first, then coordinate with FEHB. One of my Docs takes Medicare but not GEHA,...
by TimeRunner
Fri Mar 15, 2019 10:14 pm
Forum: Personal Consumer Issues
Topic: Peanut Butter recommendations
Replies: 84
Views: 5544

Re: Peanut Butter recommendations

Maybe I'm crazy, but if your PB is made from peanuts with nothing else, isn't that just ground up peanuts? Authoritative answer: https://www.accessdata.fda.gov/scripts/cdrh/cfdocs/cfcfr/CFRSearch.cfm?fr=164.150&SearchTerm=peanut%20butter Background listening podcast while you run or garden for how ...
by TimeRunner
Fri Mar 15, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 127
Views: 8087

Re: Tesla Model Y

By the time the standard Y model starts delivery in Fall 2020 (assuming no schedule slip, mmm), there will be many competing models. I wish Tesla all the best, but as a car shopper I'd wait and see what's available then.
by TimeRunner
Wed Mar 13, 2019 9:14 am
Forum: Personal Consumer Issues
Topic: Yet another chronic defect with the 2017-18 Honda CRV
Replies: 21
Views: 5552

Re: Yet another chronic defect with the 2017-18 Honda CRV

Suggest the OP take a few (maybe 10) minutes to file a complaint with the National Highway Transportation Safety Board here:
https://www-odi.nhtsa.dot.gov/VehicleComplaint/

If enough affected owners did this, it would prompt a recall and may compensate existing owners who paid for the repair. YMMV.
by TimeRunner
Tue Mar 12, 2019 8:11 pm
Forum: Personal Consumer Issues
Topic: Peanut Butter recommendations
Replies: 84
Views: 5544

Re: Peanut Butter recommendations

National Public Radio's The Uncertain Hour Podcasts, 3 total, starting Oct 25, 2017 then the two following, will tell you more than you ever thought you could know about food regulation, Peanut Butter, and the sad history of Jiff. You will definitely want to check the ingredients label after listeni...
by TimeRunner
Tue Mar 12, 2019 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Predicted RMDs Have Caught Me By Surprise
Replies: 69
Views: 7327

Re: Predicted RMDs Have Caught Me By Surprise

Quick mention to check out I-ORP tool: https://i-orp.com then select the Extended Tab. (Extended tab URLs subject to change, so best to navigate from home page.)
by TimeRunner
Sat Mar 09, 2019 10:43 pm
Forum: Personal Investments
Topic: TSP in Retirement
Replies: 41
Views: 3862

Re: TSP in Retirement

At the very least, I'd leave $1K in the TSP as you transfer out the rest. That gives you the option of transferring back in some chunk of money that you would want to put in the G fund as your bond allocation, while keeping the rest at Fido or Schwab (or Vanguard if you insist). Transfer the TSP TIR...
by TimeRunner
Sat Mar 09, 2019 8:57 am
Forum: Personal Consumer Issues
Topic: best cheap printer
Replies: 80
Views: 5249

Re: best cheap printer

I went with a higher end Brother all-in-one because it is capable of two-sided (aka duplex) scanning of documents in the automatic document feeder (ADF), and two-sided printing. Something to be aware of when shopping. Costco will extend the 1-year warranty to 2 years, which means simply returning it...
by TimeRunner
Wed Mar 06, 2019 8:07 pm
Forum: Personal Consumer Issues
Topic: Chrome security issue
Replies: 40
Views: 2902

Re: Chrome security issue

quantAndHold wrote:
Wed Mar 06, 2019 6:16 pm
I can assure you that computer security experts would cringe at that statement the way it is presented.
Count me as cringing. I just wrote Vanguard's feedback for that page and told them they should change it along the lines of what you wrote, and why.
by TimeRunner
Wed Mar 06, 2019 10:31 am
Forum: Personal Consumer Issues
Topic: Chrome security issue
Replies: 40
Views: 2902

Re: Chrome security issue

Do this: Open Chrome settings, type "passwords" into search box, set controls appropriately. That will directly show you the controls for Chrome. I think you also have to be concerned about your Google account controls. I am not sure how these two sets of controls interact or even why there are two...
by TimeRunner
Wed Mar 06, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: Chrome security issue
Replies: 40
Views: 2902

Re: Chrome security issue

Do this: Open Chrome settings, type "passwords" into search box, set controls appropriately.
by TimeRunner
Tue Mar 05, 2019 10:28 pm
Forum: Personal Consumer Issues
Topic: best cheap printer
Replies: 80
Views: 5249

Re: best cheap printer

Installed a Brother MFC-L2750DW all-in-one laser monochrome printer today from Costco ($239). Very impressed with build quality, functionality, flexibility, etc. Thanks to many Bogleheads who recommended Brother laser. Fried Canon Pixma going to e-recycler this weekend. :beer