Search found 1420 matches

by TimeRunner
Thu Dec 06, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Should we sell farmland to coal company?
Replies: 33
Views: 2002

Re: Should we sell farmland to coal company?

Besides all the above, what about the neighbors adjacent to your land? Did they get an offer, are they selling, etc. It would be good for affected landowners to be on the same page IRT selling or keeping it in farmland.
by TimeRunner
Sun Dec 02, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: First Triathlon. What bike to buy?
Replies: 34
Views: 1832

Re: First Triathlon. What bike to buy?

She can get aerobars for her road bike, but spend time in the aero position to get her back and neck muscles used to that max aero position. No reason to go crazy for her first tri - it's just a structured training day. :) It's a weird sport - not too many sports add the time you spend changing clot...
by TimeRunner
Thu Nov 29, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Comic books
Replies: 22
Views: 1996

Re: Comic books

The Library of Congress has a comic book collection back to 1936. If you are looking to donate, you can contact them to see if they are interested in your collection, see: http://loc.gov/acq/gifts/
by TimeRunner
Wed Nov 28, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value
Replies: 91
Views: 4800

Re: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value

Google Fi *is* smart enough to pick the best carrier signal if multiple ones are available and wi-fi isn't. I have a Pixel 2 XL and love the service. Been on it two years. See other threads on Bogleheads if you need more info, for example: https://www.bogleheads.org/forum/viewtopic.php?t=259959 Wait...
by TimeRunner
Wed Nov 28, 2018 5:40 pm
Forum: Investing - Theory, News & General
Topic: Does 100% stocks make sense for very high net worth individuals
Replies: 89
Views: 6893

Re: Does 100% stocks make sense for very high net worth individuals

Too bad it's a hypothetical question and no one (almost certainly) is going to act on whatever answers get put up here. :wink:
by TimeRunner
Wed Nov 28, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: TSP Unveils Plans for Expanding Withdrawal Options
Replies: 27
Views: 2272

Re: TSP Unveils Plans for Expanding Withdrawal Options

On a different branch of the OP's subject line, I hope that TSP provides flexibility in changing monthly withdrawals without providing a new notarized spouse signature form (on paper) every 90 days. That would really make that flexibility not very flexible. Keep an eye out for any news on this issue...
by TimeRunner
Sun Nov 25, 2018 7:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard now supports Yubikey 5 and 5C
Replies: 16
Views: 1970

Re: Vanguard now supports Yubikey 5 and 5C

Dumb question, but can you leave all the phone number fields empty on your Vanguard account information? (Perhaps an easy fix.) If not, can you setup a Google Voice number with two-factor authentication for Google (use your Yubikey), give that to Vanguard, and have them send you an email? That seems...
by TimeRunner
Sun Nov 25, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: Aging Parent's deteriorating home
Replies: 30
Views: 3844

Re: Aging Parent's deteriorating home

I did not appreciate how the home has deteriorated. This sentence is very telling. It came across to me as you are thinking the house will belong to you some day and they are not taking very good care of YOUR house. If you have that mindset, know that there are potential reasons why they might have...
by TimeRunner
Tue Nov 20, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Downing sizing home
Replies: 15
Views: 2569

Re: Downing sizing home

What's your mortgage rate? Can you prepay without penalty? I wouldn't move if I loved where I lived (and knew its faults), and if I had a reasonable mortgage I could prepay at any time. Max your retirement and your spouse's retirement accounts first.
by TimeRunner
Tue Nov 20, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: Electric wrench / screwdriver for the home auto mechanic
Replies: 27
Views: 1523

Re: Electric wrench / screwdriver for the home auto mechanic

Buy tires at Costco they rotate them for free. I imagine they would switch out snow tires for a very nominal fee (if not free).
by TimeRunner
Fri Nov 16, 2018 11:06 pm
Forum: Personal Consumer Issues
Topic: Need advice on (2) jackets.
Replies: 32
Views: 2566

Re: Need advice on (2) jackets.

deleted
by TimeRunner
Mon Nov 12, 2018 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Time Value of Money vs. Variable Percentage Withdrawal (VPW)
Replies: 114
Views: 6928

Re: Time Value of Money vs. Variable Percentage Withdrawal (VPW)

The mother of the couple who lives next door, who lives with them, turned 99 last month. She's very spry, gets up and does 1/2 hour of calisthenics every morning, takes a five or six mile walk every day, and lives in an upstairs bedroom so she climbs a flight of stairs multiple times a day. It does ...
by TimeRunner
Mon Nov 12, 2018 1:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8614
Views: 1680015

Re: U.S. stocks in freefall

yousha wrote:
Mon Nov 12, 2018 1:36 pm
What a bummer!
What an opportunity! :mrgreen:
by TimeRunner
Sun Nov 11, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Snowbirding in HI [Residency requirements for tax purposes]
Replies: 28
Views: 2837

Re: Snowbirding in HI [Residency requirements for tax purposes]

OK, cool. We may do the same one day from California. :beer
by TimeRunner
Sun Nov 11, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Snowbirding in HI [Residency requirements for tax purposes]
Replies: 28
Views: 2837

Re: Snowbirding in HI

Seems like you are a part-year resident, filing a tax return with a residence in Hawaii and an auto registered and kept in Hawaii year round. But I'm not a tax attorney. Seems like you would be wise to consult one, IMO. Good luck!
by TimeRunner
Sat Nov 10, 2018 9:28 pm
Forum: Investing - Theory, News & General
Topic: Take taxes into account when rebalancing?
Replies: 44
Views: 2316

Re: Take taxes into account when rebalancing?

No, this just sounds like a lot of busywork and over-optimization for nothing. You don't know what taxes you're going to pay when you sell. I disagree, especially when you have what you would consider significant assets in retirement. You make your best guess as to taxes, and you revise those as ne...
by TimeRunner
Fri Nov 09, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: How to stop junk mail for a deceased person
Replies: 61
Views: 6142

Re: How to stop junk mail for a deceased person

We're still receiving charity solicitations after two years for a deceased relative who apparently gave small donations (e.g. $20/year) to veteran groups and especially animal welfare charities. This mail far exceeds our own mail (since we have opted out of paper documents). It provides a panoply of...
by TimeRunner
Fri Nov 09, 2018 4:11 pm
Forum: Investing - Theory, News & General
Topic: Take taxes into account when rebalancing?
Replies: 44
Views: 2316

Re: Take taxes into account when rebalancing?

I do something similar to the OP. At the very least, it's nice to have a column in your spreadsheet that shows the value "after tax" so you have a more realistic picture of your "millionaire" status. :wink: :idea: There's a Wiki article on this subject: https://www.bogleheads.org/wiki/Tax-adjusted_a...
by TimeRunner
Fri Nov 09, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 53
Views: 3326

Re: USPS - Informed delivery - complain on missing items?

Brian Krebs has an interesting article up today: https://krebsonsecurity.com/2018/11/u-s-secret-service-warns-id-thieves-are-abusing-uspss-mail-scanning-service/ U.S. Secret Service Warns ID Thieves are Abusing USPS’s Mail Scanning Service "A year ago, KrebsOnSecurity warned that “Informed Delivery,...
by TimeRunner
Fri Nov 09, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Snowbirding in HI [Residency requirements for tax purposes]
Replies: 28
Views: 2837

Re: Snowbirding in HI

In thinking about this, I wondered if OP owned a vehicle in Hawaii, and if so, if it was registered in Hawaii (e.g. had Hawaii plates). I could see that as a potential issue.
by TimeRunner
Wed Nov 07, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Updating Microsoft Word
Replies: 19
Views: 1776

Re: Updating Microsoft Word

You can always upload them to Google Docs. Digital files are like a cold - you can keep them for yourself AND give them away. :beer
by TimeRunner
Wed Nov 07, 2018 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Experience with Calif Prop 60/90 Property Tax Xfers?
Replies: 0
Views: 141

What's Your Experience with Calif Prop 60/90 Property Tax Xfers?

On another unrelated thread, there was a brief side discussion of Calif property taxes and various possibilities of transferring property tax basis for owners 55 and older. (One link: http://boe.ca.gov/proptaxes/prop60-90_55over.htm ). It appears this is allowed "intra-county" and also INTO currentl...
by TimeRunner
Wed Nov 07, 2018 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12901

Re: Are we in trouble?

Still pretty good. :wink: The $652 was my MIL's carryover property tax basis that she transferred twice when she sold and bought the next home, which is also allowed for seniors over a certain age. In fact, if she would have moved in with us, as we offered, her property tax base could have been tra...
by TimeRunner
Tue Nov 06, 2018 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 2938

Re: Is Cloud-Based YNAB Worth It?

I looked at YNAB but went with Moneydance because I care less about budgeting and more about actual spending. I use Google sheets to do investment tracking and tax projection, etc.
by TimeRunner
Tue Nov 06, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12901

Re: Are we in trouble?

Property taxes $652 a year. Gotta love that prop 13.... Just to be clear, that prop tax is what the current owner paid. The new owners will pay around 1.2% of the new assessed value. Prop 13 also allows a 2% increase/year for inflation, etc, and new bonds and other local taxes can also be added on ...
by TimeRunner
Tue Nov 06, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB HDHP options for Federal Employees
Replies: 28
Views: 2497

Re: FEHB HDHP options for Federal Employees

In case you haven't seen it, here's the link to OPMs Healthcare comparison tool for 2019 plans, which is a good starting place for looking at options:
https://www.opm.gov/healthcare-insuranc ... are-plans/
by TimeRunner
Sat Nov 03, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: Target Red Card Auto-Pay Deceit Warning
Replies: 19
Views: 1754

Re: Target Red Card Auto-Pay Deceit Warning

Say you owe $500 and minimum pmt is $30 and have auto-pay for the minimum. Then you pay $100 before the payment date. What do they do? Take the $100 only? The $100 and the $30? That is why they decided on a rule. It isn't always clear. How about this use case: You owe $500 and have auto-pay to pay ...
by TimeRunner
Sat Nov 03, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: Target Red Card Auto-Pay Deceit Warning
Replies: 19
Views: 1754

Re: Target Red Card Auto-Pay Deceit Warning

The PenFed Platinum Rewards VISA Signature® Card is similar. If you sign up for autopay, and then pre-pay some amount, they still take the previous amount due from your account, and then credit you the prepaid amount. OTOH, USAA VISA does not do that - they only take the remaining amount due. +1 for...
by TimeRunner
Fri Nov 02, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Thoughts on the New Macbook Air?
Replies: 70
Views: 4087

Re: Thoughts on the New Macbook Air?

I replaced my 2009 MacBookPro with a Chromebook ($749 Pixelbook on sale) and was a great choice. Should be another sale for Black Friday.
by TimeRunner
Wed Oct 31, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 53
Views: 3326

Re: USPS - Informed delivery - complain on missing items?

wander wrote:
Wed Oct 31, 2018 8:04 pm
mailman stashed 17,000 pieces of mail
Try this link: https://www.nytimes.com/2018/04/21/nyre ... arded.html
But note...there are bad apples in every occupation.
by TimeRunner
Wed Oct 31, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 53
Views: 3326

Re: USPS - Informed delivery - complain on missing items?

It really sounds like Informed Delivery is mostly a gimmick. It means a piece of mail was sent and made it to the central post office. Beyond that, not very useful. The system, Mail Isolation Control and Tracking, MICT, was originally designed for surveillance and law enforcement, for example for t...
by TimeRunner
Tue Oct 30, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: Quicken Mac vs Windows
Replies: 18
Views: 1321

Re: Quicken Mac vs Windows

Try Moneydance. http://moneydance.com/

Use the beta version for best experience (in my experience): http://infinitekind.com/preview
by TimeRunner
Tue Oct 30, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: The most you ever paid for a prescription
Replies: 80
Views: 3629

Re: The most you ever paid for a prescription

JustDumb wrote:
Tue Oct 30, 2018 8:55 pm
$600 epipen
This.

But now that there's a generic, that's $20! :shock:
by TimeRunner
Tue Oct 30, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: water softener for whole house?
Replies: 35
Views: 4888

Re: water softener for whole house?

I've thought recently about getting a while house filter like this one from Lowes . Any experience in using something like that? To be clear, your device is a water filter and not a softener. As shown in your linked page, the filter goes before any (optional) water softener. On your filter system, ...
by TimeRunner
Mon Oct 29, 2018 8:14 pm
Forum: Investing - Theory, News & General
Topic: Giving up on GoogleSpreadsheets. Need alternative.
Replies: 29
Views: 3929

Re: Giving up on GoogleSpreadsheets. Need alternative.

I doubt the OP is doing anything wrong.... I don't have a good answer to the OP's issues but I am also interested in any answers or alternate solutions surfaced by this thread. I'm not saying OP is doing anything wrong, just advising on configuration items that may be causing his particular issue. ...
by TimeRunner
Mon Oct 29, 2018 6:14 pm
Forum: Investing - Theory, News & General
Topic: Giving up on GoogleSpreadsheets. Need alternative.
Replies: 29
Views: 3929

Re: Giving up on GoogleSpreadsheets. Need alternative.

letsgobobby wrote:
Mon Oct 29, 2018 6:10 pm
...No, it’s not working....
Are you blocking cookies, javascript, etc? Are you using Chrome browser (if not, try it). Just some thoughts.
by TimeRunner
Thu Oct 11, 2018 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Yubikey questions
Replies: 20
Views: 3364

Re: Fidelity Yubikey questions

To wake up an old thread, what's the current best way to secure a Fido account?
by TimeRunner
Wed Oct 10, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Switch from Quicken (Windows) to Bankivity or Moneydance?
Replies: 4
Views: 484

Re: Anyone Switch from Quicken (Windows) to Bankivity or Moneydance?

I used Banktivity for awhile in parallel with Quicken but found there were many small issues with data entry, splits, etc, which were frustrating. (I don't remember the specifics now, this was a couple of years ago.) I moved financial stuff from an old MacBookPro to an Intel NUC (tiny Windows machin...
by TimeRunner
Thu Oct 04, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Black suit with dark brown shoes?
Replies: 59
Views: 4122

Re: Black suit with dark brown shoes?

I'm reminded that Frank Zappa told us all that "Brown Shoes Don't Make It". He's right. :-)

https://genius.com/Frank-zappa-brown-sh ... -it-lyrics

https://youtu.be/gQe9B_VBVqM
by TimeRunner
Thu Oct 04, 2018 10:47 am
Forum: Investing - Theory, News & General
Topic: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.
Replies: 52
Views: 6754

Re: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.

WanderingDoc wrote:
Thu Oct 04, 2018 12:11 am
...I'm only 45% Int'l, too chicken to go higher but probably should....
FTSE Global All Cap Index (which Vanguard Total World follows) is currently at 54.9% US, so your 45% International is spot on.
by TimeRunner
Wed Oct 03, 2018 5:47 pm
Forum: Investing - Theory, News & General
Topic: [CNBC article: Don't expect to retire at 70]
Replies: 60
Views: 6413

Re: Is this ignorance or intentionally misleading?

I can't wait to see all the "Help me spend my retirement money before I turn 77" threads. :wink:

Seriously, they should pull that article.
by TimeRunner
Wed Oct 03, 2018 1:38 pm
Forum: Investing - Theory, News & General
Topic: TSP Webcast at SEC Conference 10/2/2018
Replies: 0
Views: 163

TSP Webcast at SEC Conference 10/2/2018

A TSP Webcast titled "Your TSP Account – What to Think About When Nearing Retirement or Considering Leaving the Government” was presented at the SEC's World Investor Week conference. The webcast and presentation slides are now available at the SEC's website, link here: https://www.sec.gov/news/upcom...
by TimeRunner
Wed Oct 03, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.
Replies: 52
Views: 6754

Re: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.

Invest using Vanguard Total World ETF (VT) and you won't have to micromanage your US/INT mood swings. Current US market allocation is 54.9%. But that invites the same problem with any market-cap weighted strategy, which is it ensure that you're constantly buying more of what's done well in the past...
by TimeRunner
Wed Oct 03, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.
Replies: 52
Views: 6754

Re: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.

Invest using Vanguard Total World ETF (VT) and you won't have to micromanage your US/INT mood swings. Current US market allocation is 54.9%.
by TimeRunner
Sun Sep 30, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 68
Views: 4986

Re: WSJ print edition renwal time - any discounts?

Update: My new subscription arrived in just a matter of a few days. And, even though I signed up at gaschoolstore using the "RENEWAL" button I still had to call up the WSJ to cancel my existing account (btw - they don't let you cancel online; it must be done over the phone). So, overall, I've had a...
by TimeRunner
Thu Sep 27, 2018 7:01 pm
Forum: Investing - Theory, News & General
Topic: SEC charges Musk with Fraud!
Replies: 117
Views: 10861

Re: SEC charges Musk with Fraud!!!

Ford's a mess, maybe they'll buy Tesla and then spin off the roofing tiles, powerwalls and other non-automotive aspirations/distractions. Shorts win today.
by TimeRunner
Thu Sep 27, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Access to WSJ denied
Replies: 11
Views: 1501

Re: Access to WSJ denied

Sounds like some folks think that the only reason to read WSJ is to get investment tips and advice. Actually the news and features articles are very good and largely non-biased/non-political. I especially enjoyed investigative reporter John Carreyou's breaking and deep coverage of the Theranos fraud...