Search found 1331 matches

by TimeRunner
Mon Aug 20, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: New 2018 Honda Odyssey Problem - Need Advice
Replies: 50
Views: 15494

Re: New 2018 Honda Odyssey Problem - Need Advice

I am so glad I found this blog mainly because now I know for sure that I am not imagining things. I drove a 2008 Odyssey for more than 5 years and last month went and got a a brand new 2019 Odyssey as I wanted to upgrade and it was a no-brainer (like someone already said) .. The new one is great wi...
by TimeRunner
Thu Aug 16, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: OK, maybe Vanguard's website IS a little old... "56K dial-up..."
Replies: 19
Views: 2188

Re: OK, maybe Vanguard's website IS a little old... "56K dial-up..."

Who remembers Fidonet BBSes in the mid-80s? I do. We used Tom Jennings' Fidonet software, followed by the commercial version, Thom Henderson's SEADog, to help build the first nationwide email system for the US National Park Service over dial-up phone lines. We pushed past 2,400bps with Telebit Trai...
by TimeRunner
Wed Aug 15, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 23651

Re: Invest in Tesla?

Don't forget Papa John's for your slice of founder drama.... :mrgreen:
by TimeRunner
Tue Aug 14, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: Solutions for Printing from a Chromebook
Replies: 16
Views: 1234

Re: Solutions for Printing from a Chromebook

Two thoughts: 1. Ensure your printer is using latest Brother Firmware. You may need to download it and install it from your Windows machine. 2. Googling your issue brought up this article which may be useful: https://www.techrepublic.com/article/how-to-fix-the-dreaded-google-cloud-printer-offline-is...
by TimeRunner
Sat Aug 11, 2018 6:08 pm
Forum: Investing - Theory, News & General
Topic: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets
Replies: 67
Views: 9662

Re: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets

I don't understand why Vanguard focuses so much on avoiding the noise, staying the course and yet they put out research like this constantly it seems as of late. Hire some economists and they are going to make forecasts. It's like expecting the scorpion not to sting you to not expect this kind of r...
by TimeRunner
Sat Aug 11, 2018 6:05 pm
Forum: Investing - Theory, News & General
Topic: The chopper theory: Long, expensive bikes and stock market swoons
Replies: 3
Views: 622

Re: The chopper theory: Long, expensive bikes and stock market swoons

The thing is...Americans who ride "choppers" are aging out. Look at Sturgis - most attendees are over 50, many over 60. AMA still means Medical, not Motorcycle to most people. Manufacturers are concerned about self-driving cars and how motos will integrate. Yada yada. (Yes, I am still riding my Tige...
by TimeRunner
Sat Aug 11, 2018 5:51 pm
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 240
Views: 20269

Re: "Don't Obsess About Expense Ratios"

I manage a handful of parental (trust) accounts at Schwab and have a TIRA and Roth IRA at Fido. Fido and Schwab both have relatively local walk-in offices and in my experience, knowledgeable and responsive customer service via phone, chat, and email as well as local office support including notary s...
by TimeRunner
Thu Aug 09, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: IDrive
Replies: 1
Views: 292

Re: IDrive

Yes, works well for 2 Macs, a PC, and Synology NAS. See also: https://www.google.com/search?sitesearc ... g&q=idrive
by TimeRunner
Wed Aug 08, 2018 9:55 pm
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 240
Views: 20269

Re: "Don't Obsess About Expense Ratios"

I wonder what value we are all getting for their $5.3B in profits last year? That's a 29% take that they could be passing on to investors instead of shareholders (whoever they are). The Johnsons are getting very rich off the backs of the average joe investor. Make FIDO a mutual company like Vanguar...
by TimeRunner
Wed Aug 08, 2018 9:50 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 23651

Re: Invest in Tesla?

Jaguar i-Pace, Audi e-Tron and Porsche Taycan are all very interesting products. Jaguar i-Pace is starting to be delivered - Waymo also has a fully self driving version of it. I have a pre-order in on the Taycan and I'll get an early delivery late next year. Currently have a BMW i3 and Cayenne Hybr...
by TimeRunner
Sun Aug 05, 2018 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 81
Views: 28276

Re: Fidelity charges to close accounts!

I've avoided Fidelity ever since they screwed me over rolling my GM 401K into my TIAA IRA two decades ago. I have a loooong memory. How is this actionable? Are you recommending that the rest of us avoid Fidelity because you had a bad experience two decades ago? Well, you just took the action of com...
by TimeRunner
Thu Aug 02, 2018 7:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 204
Views: 18979

Re: Vanguard to offer non-Vanguard ETFs commission-free

Not to sidetrack, but using Vanguard as a trading platform seems pretty funky, which is odd given that Vanguard is pushing mutual fund holders towards converting to brokerage accounts, but then not providing the typical research tools one would find on more mature trading platforms (Fido, Schwab, T...
by TimeRunner
Thu Aug 02, 2018 7:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 204
Views: 18979

Re: Vanguard to offer non-Vanguard ETFs commission-free

Not to sidetrack, but using Vanguard as a trading platform seems pretty funky, which is odd given that Vanguard is pushing mutual fund holders towards converting to brokerage accounts, but then not providing the typical research tools one would find on more mature trading platforms (Fido, Schwab, TD...
by TimeRunner
Thu Aug 02, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Life Funds
Replies: 2
Views: 243

Re: TSP Life Funds

PoppyA wrote:
Thu Aug 02, 2018 1:36 pm
Where can you find out what they are invested in? I’m not talking in general, i’d Like to know specifically.

Thank you.
The TSP website: https://www.tsp.gov/InvestmentFunds/Fun ... index.html , then each individual tab for L2020, L2030....
by TimeRunner
Thu Aug 02, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: Interesting Take on the 3 Fund Model
Replies: 66
Views: 2953

Re: Weird Portfolio Guy Returns

It's not that weird a portfolio, it just looks like one from around the time that "Back to the Future" was playing in movie theatres. :wink:
by TimeRunner
Wed Aug 01, 2018 6:59 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 667
Views: 57323

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I'd like to see a Fido fund, index-based, equivalent to Vanguard Total World, using FTSE Global All Cap Index, especially because there's no "Admiral" version of the mutual fund, and no Fido equivalent in Mutual Fund or ETF. Fido does have a Wordwide Fund (FWWFX), but it has 325 stocks, turnover of ...
by TimeRunner
Tue Jul 31, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Best MacBook Value
Replies: 40
Views: 3089

Re: Best MacBook Value

Consider a Chromebook. It supports a bunch of light Photoshop apps without the overhead of full desktop Photoshop.
by TimeRunner
Mon Jul 30, 2018 10:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Precious Metals and Mining Fund is changing
Replies: 61
Views: 5622

Re: Vanguard Precious Metals and Mining Fund is changing

With apologies to Lake Wobegon, not all of Vanguard's children are above average.

https://en.wikipedia.org/wiki/Lake_Wobegon
by TimeRunner
Sat Jul 28, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: LTC strategy: make health your hobby
Replies: 38
Views: 2995

Re: LTC strategy: make health your hobby

Ninety-eight year old neighbor lives with son-in-law and daughter in upstairs room, so she's going up and down the steps quite a bit. When she gets up in the morning, she does 1/2 hour of calisthenics - the same drill she did in high school, but much more slowly. She usually leaves the house mid-mor...
by TimeRunner
Fri Jul 27, 2018 12:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Precious Metals and Mining Fund is changing
Replies: 61
Views: 5622

Re: Vanguard Precious Metals and Mining Fund is changing

25% mining and metals, 75% 'Dogs of the World'. :oops:
by TimeRunner
Mon Jul 23, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Mother-in-Law criticizing my wife over our recent house purchase
Replies: 38
Views: 2917

Re: Mother-in-Law criticizing my wife over our recent house purchase

You can agree with her:

"Yeah, the house *is* too small. Thankfully there's a Motel 6 where you can stay when you visit that's not very far away."
by TimeRunner
Sun Jul 22, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Benefits Question - Annuity, TSP, FEHBP
Replies: 21
Views: 1472

Re: Federal Benefits Question - Annuity, TSP, FEHBP

Just noting the COLA is 1% less than CPI increase if the CPI increase is 3% or more. More fully from OPM: "For Federal Employees Retirement System (FERS) or FERS Special benefits, if the increase in the CPI is 2 percent or less, the Cost-of-Living Adjustment (COLA) is equal to the CPI increase. If ...
by TimeRunner
Fri Jul 20, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Benefits Question - Annuity, TSP, FEHBP
Replies: 21
Views: 1472

Re: Federal Benefits Question - Annuity, TSP, FEHBP

OP, if I were you, I'd skip the fed employment and work as much or little as you feel like. You've got the money for healthcare now. My dos centavos.
by TimeRunner
Fri Jul 20, 2018 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 157
Views: 13346

Re: Should I Dump a Pile of Money on Young Son?

Absolutely you should "dump a pile of money on young son", although there's some psychological and emotional component of how this was phrased that gives me pause....
by TimeRunner
Tue Jul 17, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Hiring Parents as Household Employee
Replies: 4
Views: 1120

Re: Hiring Parents as Household Employee

Helpful: https://www.hrblock.com/tax-center/newsroom/filing/dependents/top-questions-parents-employing-nanny/ Don't forget, depending on your state, that parent may also owe state income tax. I would be wary of emotional/psyche issues in having a parent in an employee role. Without going into detail...
by TimeRunner
Mon Jul 16, 2018 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 37
Views: 4070

Re: All-In VTSAX

I'm reminded of Ray Dalio's quote: "He who lives by the crystal ball will eat shattered glass."
https://en.wikipedia.org/wiki/Ray_Dalio

More on topic, take a look at VT ETF (Vanguard Total World) if you want to simplify and be more hands-off. https://investor.vanguard.com/etf/profile/VT
by TimeRunner
Fri Jul 13, 2018 5:19 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 15167

Re: COMING SOON: BOGLEHEADS PODCASTS

retiredjg wrote:
Fri Jul 13, 2018 4:48 pm
Rick Ferri wrote:
Fri Jul 13, 2018 4:46 pm
“Investing with the Bogleheads”
Yes? No?
I would not say "no" to that. It works. Enemy of a good plan and all that....
+1, for above and LadyGeek's reasoned post upthread, as long as "the Bogleheads" doesn't become a Hedge Fund or REIT. :mrgreen:
by TimeRunner
Thu Jul 12, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 15167

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads' Moneycast
by TimeRunner
Thu Jul 12, 2018 10:59 am
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 115
Views: 14597

Re: Improving the Bogleheads forum

It's also in the wiki, exactly where it should be. See: Getting started Which, in my incognito search, lands me here: https://www.bogleheads.org/wiki/Help:Getting_started My point still stands that it was difficult to find the getting started information. One can argue that it's easy, but I wouldn'...
by TimeRunner
Tue Jul 10, 2018 6:18 pm
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 115
Views: 14597

Re: Improving the Bogleheads forum

I was going to suggest a poster use the Asking Portfolio Questions format for their question, but I had a heck of a time FINDING the link...trying Google, and search of the website. It's not called out prominently in the Wiki, etc. This link: https://www.bogleheads.org/forum/viewtopic.php?t=6212 .....
by TimeRunner
Tue Jul 10, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: [Small, Portable, and Ductless Air Conditioners]
Replies: 54
Views: 2862

Re: [Small, Portable, and Ductless Air Conditioners]

Alf 101 wrote:
Tue Jul 10, 2018 3:13 pm
Anyway, I should hear more in the next 1-2 weeks. If people are still curious, I'll share what I hear.
Please do.
by TimeRunner
Mon Jul 09, 2018 10:31 pm
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 115
Views: 14597

Re: Improving the Bogleheads forum

I was going to suggest a poster use the Asking Portfolio Questions format for their question, but I had a heck of a time FINDING the link...trying Google, and search of the website. It's not called out prominently in the Wiki, etc. This link: https://www.bogleheads.org/forum/viewtopic.php?t=6212 ......
by TimeRunner
Thu Jul 05, 2018 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone hear of or invest in Rich Uncles?
Replies: 18
Views: 3628

Re: Anyone hear of or invest in Rich Uncles?

Channeling Walter White's "I'm the one who knocks", I'd say:

"I'm the rich uncle." :beer

No way would I invest in this.
by TimeRunner
Wed Jul 04, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: bike helmets
Replies: 82
Views: 4774

Re: bike helmets

MIPS is making its way into bike, ski, motocross, motorcycle, etc helmets. Here's a link to MIPS posted R & D papers: http://mipsprotection.com/r-d-papers/ Home page for MIPS is: http://mipsprotection.com/ Company home page (Sweden) english-language is: http://www.mipscorp.com/?lang=en MIPS technolo...
by TimeRunner
Tue Jul 03, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Airline App leaking passengers data!
Replies: 5
Views: 798

Re: Airline App leaking passengers data!

https://www.us-cert.gov/ , call them. Phone # on this website.
by TimeRunner
Tue Jul 03, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: bike helmets
Replies: 82
Views: 4774

Re: bike helmets

Hifive, Excellent first post! :beer
by TimeRunner
Tue Jul 03, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106831

Re: To take or not to take delivery of Tesla 3

Watch the video of Mazda's Hiroshima, Japan car plant and you'll see what modern auto manufacturing looks like: https://youtu.be/dvJtVI11dlE

EDIT: Actually this BMW i3 production video is more relevant to Tesla, as it's an EV rather than ICE manufacturing facility: https://youtu.be/cGtMBB2nZi8
by TimeRunner
Sun Jul 01, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: bike helmets
Replies: 82
Views: 4774

Re: bike helmets

A month ago, one of my cycling buddies T-boned a car that suddenly made a left turn in front of him into a parking lot. Driver saw him but didn't register the situation and did the turn. Friend rolled forward over the hood and landed on his back. Back of his helmet smacked the asphalt, cracking the ...
by TimeRunner
Sun Jul 01, 2018 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 11207

Re: Feel like I'm sinking money into international

What is the global market weight as of now? Currently 55% US/45% Int’l in my portfolio I just pull up the page for Vanguard Total World ETF (VT) and can see that the US is 52.9%, while VT is US 53.0% (.1% overweight at the moment, due to buy/sell/tracking error/etc) as of 5/30/18 (most recent updat...
by TimeRunner
Fri Jun 29, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 103
Views: 7210

Re: Can I buy a Tesla?

Your billable time is too valuable to be hanging around a charging station. Gas and get to work! :D That's not how EVs work unless you are on a road trip (non billable time) or have no way to charge at home (but then, maybe at work instead?). The general idea is to charge at home overnight, to find...
by TimeRunner
Fri Jun 29, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 103
Views: 7210

Re: Can I buy a Tesla?

Your billable time is too valuable to be hanging around a charging station. Gas and get to work! :D
by TimeRunner
Thu Jun 28, 2018 7:42 pm
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 2799

Re: Financial Newspapers & Publications

I enjoy reading the WSJ in the spa. The only trick is to fold in half lengthwise to reduce windage and keep it slightly elevated so the bottom of the section doesn't touch the water. :beer
by TimeRunner
Thu Jun 28, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Help Reallocate Mom's Portfolio
Replies: 7
Views: 570

Re: Help Reallocate Mom's Portfolio

Note that her annual income is about what she spends per year to support herself, if I understand correctly. In that case, is she primarily investing for herself or for her heirs? IOW, a 20/80 - 40/60 asset allocation might not really be what's needed, especially if getting there triggers capital ga...
by TimeRunner
Wed Jun 27, 2018 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Another should we buy this So. Cal house thread...
Replies: 42
Views: 2193

Re: Another should we buy this So. Cal house thread...

Here is what I would do. Yes I would buy the house but.... I would slow down 401k to only the match as well as all other investing. I would crank down the budget to beans and rice from now until buying the house and I would have 20% down. If to get there you need to sell some stuff I would do that ...
by TimeRunner
Tue Jun 26, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7423

Re: Family dynamics/in laws/am I being petty?

Look at it this way, your SIL/BIL are stuck with the cost of raising two kids, and they have to live with them. You just have to contribute a meal and then wave goodbye. :beer
by TimeRunner
Wed Jun 20, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 5460

Re: How much car to buy reasonably?

Note that OP is in SoCal, so a pure manual shift transmission is painful in typical stop-and-go traffic. That will rule out some fun choices if it's a daily commuter car. No it doesn't. I live in the same area and had no problem daily driving a stick before I developed some back issues. Now I still...
by TimeRunner
Wed Jun 20, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 5460

Re: How much car to buy reasonably?

Note that OP is in SoCal, so a pure manual shift transmission is painful in typical stop-and-go traffic. That will rule out some fun choices if it's a daily commuter car.
by TimeRunner
Wed Jun 20, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15419

Re: "Open Social Security" calculator: feature requests, bug reports, etc

MaxiFi planner advises wife and I to both wait until age 70 to claim SS. Open SS calculator advises me to wait until 70 and wife to claim at 62. I think MaxiFi planner is looking at overall assets and deciding that we have enough to cover the gap between retirement and SS, therefore waiting until 70...
by TimeRunner
Sun Jun 17, 2018 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Independent Franchise
Replies: 25
Views: 1844

Re: Schwab Independent Franchise

OP is using Schwab Intelligent Portfolios service, which is no-fee robo advisor with human advisor oversight. OP pays no fee. OP could switch to regular brokerage account and self-manage since he says he is basically doing that anyways.
by TimeRunner
Thu Jun 14, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 207
Views: 18000

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 c...