Search found 1381 matches

by TimeRunner
Thu Oct 11, 2018 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Yubikey questions
Replies: 20
Views: 3090

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: 445

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: 3931

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: 6556

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: 6227

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: 140

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: 6556

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: 6556

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: 4542

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: 10626

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: 1459

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...
by TimeRunner
Thu Sep 27, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: cell phone plans--google fi?
Replies: 22
Views: 1929

Re: cell phone plans--google fi?

There's been quite a bit of previous feedback, put this in your Google Search Box to see it: "project fi site:bogleheads.org" I've been on Project Fi since Pixel 1 (currently on a Pixel 2 XL - great phone), and am happy with the service except in one very remote location where AT&T voice worked but ...
by TimeRunner
Tue Sep 25, 2018 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions for Online Banking (Having Problems w/ USAA)
Replies: 13
Views: 932

Re: Suggestions for Online Banking (Having Problems w/ USAA)

It looks like USAA charges $8 for an expedited mail check and $14 for an express mail check. I would pay it and be done with it. Reference: https://content.usaa.com/mcontent/stati ... k_rqst.pdf
by TimeRunner
Tue Sep 25, 2018 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 209
Views: 19207

Re: Federal Retiree Health Care with/Medicare

I posted below as an edit to the "Turning 65, and choosing not to take Medicare Part B" thread, found at: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=230253 In that thread I was leaning towards not taking Part B. Now I am. ...... "Quick update to this post 6/14/18: Exercising the right to ...
by TimeRunner
Sat Sep 22, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 68
Views: 4542

Re: WSJ print edition renwal time - any discounts?

Thanks, celia. I will certainly try and keep this in mind when my renewal time rolls around again next year (assuming they are still in business then). -David I went the same route as David because I contacted the seller via Amazon mail to ask about vacation holds and got back this response, which ...
by TimeRunner
Sat Sep 22, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Puerto Rico as legal tax Haven?
Replies: 20
Views: 3714

Re: Puerto Rico as legal tax Haven?

Also, since it’s a relatively remote island, unless they are produced locally goods cost more since they need to be shipped. Finally, many states in the continental US offer competitive taxes/tax breaks for businesses as well. All non-locally produced goods are subject to the Merchant Marine Act of...
by TimeRunner
Fri Sep 21, 2018 7:36 pm
Forum: Investing - Theory, News & General
Topic: Are We Headed For A Passive Index Meltdown?
Replies: 60
Views: 9348

Re: Are We Headed For A Passive Index Meltdown?

Sometimes we don't really know what actually causes the market to crash, because, really you'd have to ask every single investor why s/he sold his/her investments in the first place. Machines are trading 50-60% of daily trades: https://money.cnn.com/2018/02/06/investing/wall-street-computers-progra...
by TimeRunner
Fri Sep 21, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Have You Successfully Moved Global Stock to Schwab? UPDATE
Replies: 12
Views: 995

Re: Have You Successfully Moved Global Stock to Schwab?

Is there a Schwab office within your driving tolerance that you can visit and take your forms to? Sort of. I am keeping that option on the back burner. I would probably call first, since even the specialists on the phone are getting stumped. Would hate to make arrangements during working hours to v...
by TimeRunner
Fri Sep 21, 2018 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: One thing I dislike about TDFs
Replies: 20
Views: 926

Re: One thing I dislike about TDFs

Jordan4FI wrote:
Fri Sep 21, 2018 2:16 pm
AAA wrote:
Fri Sep 21, 2018 2:15 pm
What is a TDF?
Target Date Fund. it auto re-balances as time goes by into more bonds...
I had the same question as AAA. Outside of this community, it's "Tour de France". :wink:
by TimeRunner
Fri Sep 21, 2018 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Have You Successfully Moved Global Stock to Schwab? UPDATE
Replies: 12
Views: 995

Re: Have You Successfully Moved Global Stock to Schwab?

Is there a Schwab office within your driving tolerance that you can visit and take your forms to?
by TimeRunner
Thu Sep 20, 2018 7:32 pm
Forum: Investing - Theory, News & General
Topic: Are We Headed For A Passive Index Meltdown?
Replies: 60
Views: 9348

Re: Are We Headed For A Passive Index Meltdown?

I volunteer to become the designated active investor when the entire world becomes indexed Bogleheads. :beer
by TimeRunner
Thu Sep 20, 2018 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 9995

Re: How real is cyber risk?

SpaethCo wrote:
Thu Sep 20, 2018 2:41 pm
It's actually a more sane implementation than it might seem.<quote snipped>
Good point - your posts are informative, thank you.
by TimeRunner
Tue Sep 18, 2018 8:00 pm
Forum: Investing - Theory, News & General
Topic: Marijuana ETF's
Replies: 6
Views: 1095

Re: Marijuana ETF's

Are you looking at US only or is Canada in the mix? I have a feeling that the Canadian market is the 'training wheels' for the US market, and companies will use Canada to develop and optimize various production, distribution, and marketing processes so as to be ready for the US.
by TimeRunner
Tue Sep 18, 2018 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 9995

Re: How real is cyber risk?

(Cue: entry stage right; someone who will explain how email is even worse... :) ) This is what Vanguard says: "Why can't you email security codes to me? We believe that text messages and phone calls provide greater security for our clients. Email providers can be compromised on a large scale, and e...
by TimeRunner
Tue Sep 18, 2018 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: CA tax question with treasuries ..
Replies: 7
Views: 522

Re: CA tax question with treasuries ..

I'm voting w/ Thesaints . CA return starts w/Fed AGI . It then makes adjustments on Sch CA where the treasury interest gets subtracted out leading to the CA AGI w/ only the other income to be taxed at the lower brackets. I must be glazing over something. Why are there Calif Tax Exempt bond funds if...
by TimeRunner
Tue Sep 18, 2018 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: CA tax question with treasuries ..
Replies: 7
Views: 522

Re: CA tax question with treasuries ..

I'm voting w/ Thesaints . CA return starts w/Fed AGI . It then makes adjustments on Sch CA where the treasury interest gets subtracted out leading to the CA AGI w/ only the other income to be taxed at the lower brackets. I must be glazing over something. Why are there Calif Tax Exempt bond funds if...
by TimeRunner
Tue Sep 18, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Concrete company refusing to lower bill
Replies: 22
Views: 1972

Re: Concrete company refusing to lower bill

cwademba wrote:
Tue Sep 18, 2018 2:50 pm
The line pump truck was also part of the same company.
Another point: They sent concrete they couldn't pump.
by TimeRunner
Mon Sep 17, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 59
Views: 4363

Re: Decided on Chromebook, now need spec help

I picked up a Chrome Google Pixelbook (i5, 8 GB RAM, 128GB) a couple of weeks ago for $749 during the back-to-school promotion. It's VERY nice, equivalent build quality to an Apple MacBook Pro, very fast, and the touchscreen makes it easy to scroll and select. I retired my 2009 MacBookPro (with 8Gb ...
by TimeRunner
Mon Sep 17, 2018 9:53 am
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 9995

Re: How real is cyber risk?

OOPs :oops: Not enough sleep last night. Too worried about cyber Armageddon. :beer Most password managers will generate complex passwords for you, so you don't have to make them up yourself, then they will store the password for you and make it available during the login process. You will never (al...
by TimeRunner
Sun Sep 16, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 68
Views: 4542

Re: WSJ print edition renwal time - any discounts?

Thanks to this thread I've just renewed via the gaschoolstore website. I did contact WSJ earlier today, but they declined to offer me relief on a $500+ 1-year renewal, saying that my current promotional rate was just that, and would not be extended. Sure hope a renewal thru gaschoolstore works!
by TimeRunner
Sat Sep 15, 2018 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 115
Views: 9377

Re: Delaying Social Security Until 70

PSA, Free calculator (from Boglehead Mike Piper) here:https://opensocialsecurity.com/
by TimeRunner
Fri Sep 14, 2018 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 9995

Re: How real is cyber risk?

Deleted
by TimeRunner
Wed Sep 12, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: Subaru Forester - ready to buy
Replies: 43
Views: 4282

Re: Subaru Forester - ready to buy

Leather seats are awesome - don't make that a screen-out element. :idea:
by TimeRunner
Thu Sep 06, 2018 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Pay for Medical Costs with HSA or Savings?
Replies: 15
Views: 1074

Re: Pay for Medical Costs with HSA or Savings?

Once my HSA slips below $5K, there's a $3/month charge, so there's incentive to just use it up and close it out. Correct? This is a bit of a thread hijack but I would suggest that it implies an incentive for exactly the opposite (Fund it to get over the 5k amount and avoid the $3 charge). I should ...
by TimeRunner
Wed Sep 05, 2018 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Pay for Medical Costs with HSA or Savings?
Replies: 15
Views: 1074

Re: Pay for Medical Costs with HSA or Savings?

Once my HSA slips below $5K, there's a $3/month charge, so there's incentive to just use it up and close it out. Correct?
by TimeRunner
Mon Sep 03, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Graduate Degree Mistakenly (?) Conferred - What to Do? [solved]
Replies: 76
Views: 7331

Re: Graduate Degree Mistakenly (?) Conferred - What to Do? [solved]

...and sleep well at night, knowing you did the right thing. :beer
by TimeRunner
Mon Sep 03, 2018 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?
Replies: 79
Views: 3296

Re: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?

Amazon and Alphabet. One of these is better than the other, so why invest in both? Just pick the best one! :P
by TimeRunner
Fri Aug 31, 2018 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Enough. How do I invest in Australia. [as a US investor]
Replies: 63
Views: 5529

Re: Enough. How do I invest in Australia.

These threads always remind me of the fun of walking through a dogs-off-leash area and tossing a tennis ball. Atta-boy! :D

To bring up a point so as not to be deleted, don't forget currency risk or hedging costs.
by TimeRunner
Fri Aug 31, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Construction: Total World Stock + TIPS or Treasuries
Replies: 40
Views: 3342

Re: Portfolio Construction: Total World Stock + TIPS or Treasuries

I am 67/33 Total World ETF (VT) and TSP G Fund, since I'm a federal annuitant (aka pensioner). VT ETF is 0.10% expense ratio, reasonable for removing the need to rebalance and the temptation to 'fine-tune' swayed by emotion and herd mentality. :beer
by TimeRunner
Fri Aug 31, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Federal retirees - avoid all tax withholding on retirement income streams?
Replies: 7
Views: 1185

Re: Federal retirees - avoid all tax withholding on retirement income streams?

I just use the FERS annuity to withhold fed and state income tax for all those income streams. Twelve payments/withholdings a year, and easy to change the withholding amount (effective on the next payment) through the website to fine-tune as needed. No quarterly payments needed. Keep it simple.
by TimeRunner
Fri Aug 31, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 56
Views: 4843

Re: Bosch dishwasher odor

Besides suggestions upthread (filter, hose routing), use a rinse aid such as Finish Jet-Dry Rinse Aid, which lowers water surface tension and leaves the interior less wet. A house water conditioner also greatly reduces mineral buildup in fixtures, sinks, tubs, toilets, and in dishwashers and washing...
by TimeRunner
Thu Aug 30, 2018 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: YNAB and Government Pensions
Replies: 4
Views: 685

Re: YNAB and Government Pensions

I don't understand your question. After the first few months of your fed gov pension, once the dust settles, the amount you receive will be the same every month. It will (or should be) direct deposited into your bank checking or savings account. Your software, YNAB or whatever you use (I use Moneyda...
by TimeRunner
Thu Aug 30, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity and their "free advisor" service?
Replies: 44
Views: 7565

Re: Fidelity and their "free advisor" service?

These threads are always interesting.... <snipped> +1, good advice. Having a relatively-local office is also very nice for notary service, medallion signatures, and form signing in those more-complex situations (like dealing with trust docs, beneficiary IRA distro, etc) where you likely can't do it...
by TimeRunner
Thu Aug 30, 2018 2:59 pm
Forum: Investing - Theory, News & General
Topic: Why do people buy ETFs in taxable with Vanguard when the ETF tracks an equivalent index fund?
Replies: 29
Views: 2464

Re: Why do people buy ETFs in taxable with Vanguard when the ETF tracks an equivalent index fund?

Earl Lemongrab wrote:
Thu Aug 30, 2018 1:23 pm
There's another point, a few funds don't have an Admiral share. VSS/VFSVX is one.
Another: Vanguard Total World Stock Index Fund Investor Shares (VTWSX) at 0.19%, compare to Vanguard Total World Stock ETF (VT) at 0.10% . No Admiral shares available.
by TimeRunner
Thu Aug 23, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Co-habitation agreement - ??
Replies: 103
Views: 6429

Re: Co-habitation agreement - ??

Mind over mattress. :D
by TimeRunner
Wed Aug 22, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: Cash Flow Gain Primary Residence
Replies: 152
Views: 4446

Re: Cash Flow Gain Primary Residence

middistance runner is truly an endurance athlete. :D
by TimeRunner
Tue Aug 21, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Graduate Degree Mistakenly (?) Conferred - What to Do? [solved]
Replies: 76
Views: 7331

Re: Graduate Degree Mistakenly (?) Conferred - What to Do?

Well, you know what the right thing to do is. Consider this: You don't say anything and it's on your resume. You've relied on that to progress in your career. You've raised a family, mentored others, and have a reputation as a trusted solid person. Suddenly, for some probably strange and certainly u...
by TimeRunner
Tue Aug 21, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: ESPlanner Value vs. Cost
Replies: 2
Views: 276

Re: ESPlanner Value vs. Cost

MaxiFi Planner is basically replacing ESPlanner. See: https://maxifiplanner.com/ . Oddly, there doesn't appear to have been any new release since February, see the release notes here: https://maxifiplanner.com/release-notes . I switched from ESPlanner (let my update subscription expire) to MaxiFi Pl...