Search found 1567 matches

by TimeRunner
Thu Dec 05, 2019 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1207
Views: 154843

Re: Fidelity as a one stop shop

Plmd, look at it this way - Fido's doing due diligence and making it tougher for anyone to impersonate you or gain access to your accounts. That's a good thing.
by TimeRunner
Sun Dec 01, 2019 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 107
Views: 8084

Re: FEHB Open Season 2019

Side-subject but instructive: We have GEHA Standard with Caremark mail-order. Two-pack generic Epi-Pen injector is $20, free shipping.
by TimeRunner
Sun Dec 01, 2019 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1207
Views: 154843

Re: Fidelity as a one stop shop

I upgraded my Google Pixel phone yesterday. Almost everything transferred over flawlessly, but of course the Symantec VIP app used for 2-factor authentication for FIdo sign-on gets re-certificated (if that's a word) when moved to a new device. (Ditto Google Auth). So I used the old phone to sign int...
by TimeRunner
Thu Nov 28, 2019 8:53 am
Forum: Personal Investments
Topic: Thrift Savings Plan Withdrawal Process
Replies: 22
Views: 1921

Re: Thrift Savings Plan Withdrawal Process

The G fund is under scrutiny. https://www.govexec.com/pay-benefits/2018/02/trump-budget-praises-tsp-then-cuts/146060/ Yes, I knew that, but I'm hoping it's less likely they will change the G fund - changes which would basically render it useless. I don't want to stray into the politics of the situa...
by TimeRunner
Wed Nov 27, 2019 11:33 pm
Forum: Personal Investments
Topic: Thrift Savings Plan Withdrawal Process
Replies: 22
Views: 1921

Re: Thrift Savings Plan Withdrawal Process

Funds showed up in Fido on 11/25. TSP process is slow. On another note, Marco Rubio continues to attack TSP for I-Fund investment, however slight, in emerging markets, particularly China. IMO, this doesn't bode well for FRTIB/TSP. As a separated annuitant (aka retired fed), who needs politicians mon...
by TimeRunner
Tue Nov 26, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 262
Views: 71123

Re: Found hidden safe, should we crack?

Awesome about Prof Feynman and your buddy. I assume the safe door isn't fake like this muse: https://youtu.be/0176BkzvEes

Looking forward to the next chapter! :beer
by TimeRunner
Mon Nov 25, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 262
Views: 71123

Re: Found hidden safe, should we crack?

As has been mentioned up-thread, but not acknowledged by the OP, there's slop built-in to the lock mechanism. (Professor Feynman relied on this as well.) You should be able to feel how far you can turn the dial in each direction before the mechanism inside the safe door turns in unison. If it's ever...
by TimeRunner
Sat Nov 23, 2019 10:41 pm
Forum: Personal Consumer Issues
Topic: [Tesla truck]
Replies: 148
Views: 8262

Re: [Tesla truck]

Tesla's going to need to revise the wheels. The wheel covers or whatever-they-are stick out well beyond the tires, from the center the the rim where tire meets wheel. That's not going to work for off-road, or even for parking against a curb where the driver rubs the wheel. Don't get me wrong, I wish...
by TimeRunner
Sat Nov 23, 2019 3:22 pm
Forum: Personal Consumer Issues
Topic: [Tesla truck]
Replies: 148
Views: 8262

Re: Talk me out of buying a Tesla Model 3

5th_Dimension wrote:
Sat Nov 23, 2019 11:40 am
Here is an article explaining why the bed design looks that way.

https://techcrunch.com/2019/11/22/heres ... razy-look/
Good article and makes sense. Perhaps they will be able to eliminate the 'sail pillar' on the production version. Thanks for finding and posting.
by TimeRunner
Fri Nov 22, 2019 5:04 pm
Forum: Personal Consumer Issues
Topic: [Tesla truck]
Replies: 148
Views: 8262

Re: Talk me out of buying a Tesla Model 3

Some folks who bought the Gen 1 Honda Ridgeline truck later decided that a slide-in camper would be nice, and then realized it wouldn't work. Wonder if the Tesla truck has the same problem. EDIT: ...due to the sail pillar (google it and read down-thread).
by TimeRunner
Thu Nov 21, 2019 10:29 am
Forum: Personal Investments
Topic: Thrift Savings Plan Withdrawal Process
Replies: 22
Views: 1921

Re: Thrift Savings Plan Withdrawal Process

MichDad's journey is very similar to our family. Subsequent to the new TSP withdrawal rules, we put all the TSP in the G Fund and moved mid-six figures out of the TSP to a traditional IRA account. Our remaining almost two-comma TSP will remain 100% G Fund as the almost-sole bond allocation, with som...
by TimeRunner
Thu Nov 14, 2019 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity ([Elan]) card eBill
Replies: 30
Views: 2222

Re: Fidelity (Elon) card eBill

Mine autopays from my Fidelity CMA. FIdo sells my Fidelity CA Muni Money Market Fund (FCFXX) in just enough shares to cover the bill to autopay once a month. This was set up simply on the Fido website with no chat or phone call required. Perhaps the issue is that you are trying to autopay from some ...
by TimeRunner
Thu Nov 14, 2019 9:16 pm
Forum: Personal Consumer Issues
Topic: Is LastPass still top in security, any reason to switch?
Replies: 47
Views: 5135

Re: Is LastPass still top in security, any reason to switch?

Switched from Lastpass to Bitwarden a year ago, on Win10, Chromebook and android phone. Super-reliable and doesn't try to fill in fields (wrongly) like Lastpass did. Simple, effective, and free.
by TimeRunner
Thu Nov 07, 2019 8:35 pm
Forum: Personal Investments
Topic: TSP and Vanguard allocation review
Replies: 16
Views: 1121

Re: TSP and Vanguard allocation review

All the advice from posters upthread is good. I'd just use the TSP to hold the G fund as my complete and total bond allocation, and use external TIRA and Roth IRA accounts to hold equities, with the exception of some amount of money market funds to pull from in the TIRA and Roth IRA as emergency or ...
by TimeRunner
Tue Nov 05, 2019 6:16 pm
Forum: Personal Investments
Topic: Vanguard suggesting I move to ETF's
Replies: 40
Views: 3761

Re: Vanguard suggesting I move to ETF's

I'm surprised that Vanguard is actually recommending ETFs over mutual funds. I would have guessed that they would have been neutral. ETFs are less expensive and more tax efficient to operate, and can easily be held at a different brokerage. I’ve come to opinion that Vanguard would prefer other brok...
by TimeRunner
Tue Nov 05, 2019 5:16 pm
Forum: Personal Consumer Issues
Topic: New Bosch dishwasher already faulted
Replies: 22
Views: 2363

Re: New Bosch dishwasher already faulted

My 5-month old Bosch dishwasher has been outstanding, but if I needed to reset it the process is obvious: hold down the Stop button for 3 seconds. Turn it off and turn it on again. I bought my Bosch from an appliance store, not the big box. It's like buying a car: service is at least as important a...
by TimeRunner
Mon Nov 04, 2019 10:51 pm
Forum: Personal Consumer Issues
Topic: New Bosch dishwasher already faulted
Replies: 22
Views: 2363

Re: New Bosch dishwasher already faulted

If you haven't done it, make sure the dishwasher is plugged into a surge protector. Probably has nothing to do with your issue, but it might keep the control board from frying in a power surge.
by TimeRunner
Thu Oct 31, 2019 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Better.com for New Home Mortgage? Reliable?
Replies: 13
Views: 1084

Re: Better.com for New Home Mortgage? Reliable?

I wrote my experience in this post: viewtopic.php?f=1&t=200523#p3071219

Agree that refi shouldn't be much risk, but a purchase could get messed up.
by TimeRunner
Thu Oct 24, 2019 10:18 pm
Forum: Investing - Theory, News & General
Topic: Inside Fisher Investments
Replies: 123
Views: 11958

Re: Inside Fisher Investments

The Purisima name comes from "Purisima Rd, Woodside CA". The Fishers lived in the last house on that road (with an incredible view of redwood forests and the Pacific Coast) starting in the mid-late 1990s. Don't know when they moved to Washington state, but I'm sure California taxes had nothing to do...
by TimeRunner
Thu Oct 24, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: Does the Average Homeowner Need a Water Shut Off Valve?
Replies: 56
Views: 5573

Re: Does the Average Homeowner Need a Water Shut Off Valve?

What happens if it gets corroded, gunks up, sticks open or shut, or otherwise malfunctions? Your water may be cut off or it may not detect a leak or stop one. So now you're looking at a bypass setup and a way to remove it to send it back to the manufacturer for service (assuming they are still in bu...
by TimeRunner
Wed Oct 23, 2019 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: TSP video breakdown of changes
Replies: 1
Views: 364

Re: TSP video breakdown of changes

Thank you! The SEC presentation slides are useful if you want to see what the TSP online screens for the withdrawal process look like without having to log on and start a withdrawal process. Although I understand that the final form depends on what one answers (e.g. single vs married, retirement pla...
by TimeRunner
Fri Oct 18, 2019 6:45 pm
Forum: Personal Investments
Topic: Considering Foregoing Medicare Part B to Make Roth Conversions
Replies: 8
Views: 1060

Re: Considering Foregoing Medicare Part B to Make Roth Conversions

I believe the FEHB would exempt them from the penalty of late enrollment "...for Part B, individuals covered by a FEHB plan either through their own or a spouse’s active employment (not annuitant coverage) may wait until either they or their spouse retires to enroll without incurring a delayed enro...
by TimeRunner
Fri Oct 18, 2019 6:37 pm
Forum: Personal Consumer Issues
Topic: Key Ring
Replies: 11
Views: 1456

Re: Key Ring

How can they possibly charge just seventy-five cents USD for five of these with free shipping from Hong Kong? They’ve got to be losing money on this deal. I don’t need any but at this price how can I refuse? "The Postal Service Is Losing Millions A Year To Help You Buy Cheap Stuff From China": http...
by TimeRunner
Thu Oct 17, 2019 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity DAF--how to minimize fees
Replies: 27
Views: 2422

Re: Fidelity DAF--how to minimize fees

I must be the odd egg head on this one! I could not care less about the very small fees that Fidelity charges (and I have a Fidelity DAF because the minimums were higher than my budget at Vanguard). Honestly, the overhead in charities in general, administration, fundraising, fees etc will enormousl...
by TimeRunner
Fri Oct 11, 2019 7:13 pm
Forum: Personal Consumer Issues
Topic: Joshua Tree National Park
Replies: 14
Views: 1546

Re: Joshua Tree National Park

I had the privilege of working as a Park Ranger there with an incredibly tight seasonal crew from Sept 1979 - May 1980. I had been listening to a cassette tape of Gram Parsons since the previous Summer, and it was only after working at JOTR a few months that I learned from the Chief Ranger in a casu...
by TimeRunner
Wed Sep 18, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: Home energy/electricity monitoring?
Replies: 56
Views: 3148

Re: Home energy/electricity monitoring?

Turn everything off (unplug if necessary) everything in your condo and check your meter to see if you're still using electricity - daytime, and then once around 9pm. I know of a duplex unit where the laundry room, garage, and exterior lighting was on one unit's meter because there was no meter for a...
by TimeRunner
Mon Sep 16, 2019 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me understand I-orp results
Replies: 35
Views: 1703

Re: Please help me understand I-orp results

Run multiple scenarios in Extended I-ORP with different tax bracket ceilings on Ira to Roth conversions to stay within your tax comfort zone. The specific future year numbers aren't that important because you should re-run I-ORP every year since your inputs have likely changed. I really care more ab...
by TimeRunner
Sun Sep 08, 2019 1:53 pm
Forum: Investing - Theory, News & General
Topic: Episode 013: Bogleheads on Investing - guest Dr. Bill Bernstein, host Rick Ferri
Replies: 36
Views: 5356

Re: Episode 013: Bogleheads on Investing - guest Dr. Bill Bernstein, host Rick Ferri

Just listened to Episode 013. Excellent, and it was great to hear so many of the Bogleheads' questions presented and answered. Thanks Rick! :beer
by TimeRunner
Sat Sep 07, 2019 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 418
Views: 62877

Re: Improving the TSP [for current participants]

Based on previous TSP withdrawal form, NOTARY signatures of both participant and spouse are required if married. I do not have a local bank, but we could drive to Fidelity office about 25 minutes away and get it done for free. Still a small but irritating PITA. Doesn't matter much in the big picture...
by TimeRunner
Sat Sep 07, 2019 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 418
Views: 62877

Re: Improving the TSP [for current participants]

I don’t know that making changes easier was the goal, so much as increasing the options. Actually I agree with you - easy was never mentioned. It seems the concept of "modernization", a word TSP used to describe these changes, included flexibility but otherwise maintained paper-based wet-signature ...
by TimeRunner
Sat Sep 07, 2019 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 418
Views: 62877

Re: Improving the TSP [for current participants]

But I just don’t see that requiring it for each withdrawal is a big burden, especially since the participant’s signature needs to be notarized anyway. It isn’t as if you need a spouse’s signature in order to change your allocation or rebalance. But one of the big selling points of this 'modernizati...
by TimeRunner
Wed Sep 04, 2019 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Burn or Sick Leave [before retirement]
Replies: 125
Views: 9725

Re: Federal Employee Burn or Sick Leave [before retirement]

Under the old Civil Service Retirement System rules, sick leave was converted to years-months-days and added to the retirement date for annuity calculation purposes. When the new system (FERS) was implemented in the mid 1980's, the rule changed and all unused sick leave at retirement was discarded. ...
by TimeRunner
Wed Sep 04, 2019 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 418
Views: 62877

Re: Improving the TSP [for current participants]

Here's the link: https://www.federalregister.gov/d/2019-19029 For the issue I raised regarding possibly providing a spousal waiver form, the response was: "Two commentators expressed concern about the amount of paperwork required by the spousal consent rules applicable to married Federal Employees' ...
by TimeRunner
Mon Sep 02, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Burn or Sick Leave [before retirement]
Replies: 125
Views: 9725

Re: Federal Employee Burn or Sick Leave [before retirement]

I used S/L when I needed, over a long Fed career. By the time I retired at 62, I had 1 year, 2 months and 19 days S/L credit added to my FERS retirement. Like delaying SS, it's a longevity play, except should I (likely) pre-decease my spouse, it adds to her survivor benefit over the rest of her life...
by TimeRunner
Fri Aug 30, 2019 6:13 pm
Forum: Investing - Theory, News & General
Topic: Dr. Bill Bernstein: Next "Bogleheads on Investing" podcast guest
Replies: 56
Views: 6036

Re: Dr. Bill Bernstein: Next "Bogleheads on Investing" podcast guest

This is more of a request than a question. Bernstein was recently interviewed on Christine Benz' Morningstar podcast, "The Long View". There's quite a bit there about his background, how he got into finance, and how his firm interacts with clients, including those that want to deviate a bit from the...
by TimeRunner
Thu Aug 29, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 210
Views: 52109

Re: GEICO auto rates vs. USAA: too good to be true?

UALflyer wrote:
Thu Aug 29, 2019 10:27 am
...as there are plenty of other companies that offer significantly better contractual protections.
You appear to be knowledgeable in this area - please provide some names of other companies that we should consider, which would be very helpful. TIA!
by TimeRunner
Wed Aug 28, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: Computer printer suggestions.
Replies: 25
Views: 1283

Re: Computer printer suggestions.

Very happy with: Brother MFC-L2750DWB Monochrome All-In-One Laser Printer, $220 at Costco.com (2 year warranty, easy return if necessary).
by TimeRunner
Sat Aug 24, 2019 9:50 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 76
Views: 10944

Re: No Vanguard Customer Support on weekends

Competition raises the bar. VG needs to step it up.
by TimeRunner
Fri Aug 16, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: Luggage Tracker
Replies: 18
Views: 1239

Re: Luggage Tracker

Put a Tile Pro in your carry-on. Easy to leave under a table at the airport grill, waiting lounge, etc, when distracted. I don't think we are talking about losing carry-on luggage. This (from my understanding) is something that can't be checked on. In the belly of the plane. OP wants to know where ...
by TimeRunner
Fri Aug 16, 2019 7:16 pm
Forum: Personal Consumer Issues
Topic: Luggage Tracker
Replies: 18
Views: 1239

Re: Luggage Tracker

Put a Tile Pro in your carry-on. Easy to leave under a table at the airport grill, waiting lounge, etc, when distracted.
by TimeRunner
Mon Aug 12, 2019 9:35 pm
Forum: Personal Consumer Issues
Topic: Any Western CO Folks Here (Durango?)? - Would you Rec?
Replies: 41
Views: 3466

Re: Any Western CO Folks Here (Durango?)? - Would you Rec?

Sedona, AZ might fit well. Lots of cycling, trail running, good schools and parks, yada yada.
by TimeRunner
Fri Aug 09, 2019 1:27 pm
Forum: Personal Investments
Topic: Helping Mother leave Advisor but have a couple questions
Replies: 9
Views: 666

Re: Helping Mother leave Advisor but have a couple questions

Do you have a power of attorney? I'd want one of those before taking on managing her finances, especially if she has a younger companion.
by TimeRunner
Wed Aug 07, 2019 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 418
Views: 62877

Re: Improving the TSP [for current participants]

Also, the timing of solicitation of Federal Register comments (due 8/9/19) compared to the actual implementation date means there's very little hope that any revisions based on public input (such as the ideas discussed in this thread) would be made prior to or immediately after implementation, IMO. ...
by TimeRunner
Tue Aug 06, 2019 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Retired Feds - Can You Move TSP to IRA to Backdoor Roth
Replies: 8
Views: 603

Re: Retired Feds - Can You Move TSP to IRA to Backdoor Roth

rkhusky wrote:
Tue Aug 06, 2019 8:34 pm
As I said before, the attractiveness of staying in the TSP will depend on how difficult the TSP makes withdrawals.
Hoping for the best and expecting the worst. Sigh.
by TimeRunner
Mon Aug 05, 2019 9:14 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 135
Views: 31029

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

Try an inexpensive back brace/lumbar support, along the lines of this example: https://www.amazon.com/Cotill-Lumbar-St ... B01M8PTXSA

Suggestion based on personal experience, with a similar but not identical support brace. Yes, you shouldn't have to use one, but hey...it works.
by TimeRunner
Sat Aug 03, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 578
Views: 52996

Re: Talk me out of buying a Tesla Model 3

Normchad wrote:
Sat Aug 03, 2019 6:51 pm
I can’t take it anymore. I just ordered one from the comfort of my couch using only my phone.
I do love how Tesla has challenged the traditional dealer business model. I'd love to see more manufacturers do this.
by TimeRunner
Sat Aug 03, 2019 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Finally considering paying off my mortgage
Replies: 38
Views: 3461

Re: Finally planning to pay off my mortgage

As an alternate thought, if your house needs any work or you've been contemplating a remodel, it might make more sense to keep your mortgage and do that work now while interest rates are low, inflation is low, and tariff effects aren't fully in place. You could also wait until there's a recession, b...
by TimeRunner
Sat Aug 03, 2019 5:25 pm
Forum: Investing - Theory, News & General
Topic: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)
Replies: 147
Views: 26760

Re: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)

After making the withdrawal, the retiree calculates an adjustment using the withdrawal cushion balance: Adjusted withdrawal amount: (($5,348 + $26,826.42) / 6) = $5,362 Adjustment: ($5,362 - $5,348) = $14 The retiree transfers $14 out of the Ally savings account and combines it with the $5,348 with...