Search found 1283 matches

by TimeRunner
Sun Jun 17, 2018 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Independent Franchise
Replies: 25
Views: 1657

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: 17159

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...
by TimeRunner
Wed Jun 06, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Guidance About New Spouse's IRS Issues
Replies: 61
Views: 5425

Re: Guidance About New Spouse's IRS Issues

I read this thread today and had completely forgotten that I had posted to it, twice! So glad things have worked out positively for you and yours. Onwards! :beer
by TimeRunner
Sun Jun 03, 2018 7:31 pm
Forum: Investing - Theory, News & General
Topic: To be or not to be complex, that is the question
Replies: 146
Views: 11488

Re: To be or not to be complex, that is the question

Well said. Total World Equity Index is all I need for now. I'll add Total World Bond as I get older. A very simple two fund portfolio. Vanguard Total World Index Fund Vanguard Total World Bond Index Fund(ETF for now). Thanks! I have the Federal Retiree version of this as my endpoint: Vanguard Total...
by TimeRunner
Sun Jun 03, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Ty Bernicke's Reality Retirement spending model not found?
Replies: 3
Views: 474

Re: Ty Bernicke's Reality Retirement spending model not found?

This link is from the I-ORP (Optimal Retirement Planner) Extended ORP help page: https://i-orp.com/TermAndC/help/RealityRetirementPlanning.pdf (Note: This link may change, if broken go to I-ORP home page,then Extended ORP tab, then click on the "Retirement Spending Plan" link about 2/3 down the page...
by TimeRunner
Thu May 31, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Updated (May 2018) TSP Withdrawal Options from FRTIB
Replies: 9
Views: 708

Re: Updated (May 2018) TSP Withdrawal Options from FRTIB

I just started the process of withdrawing everything from my TSP and rolling it into my 401k. Just too many rules to get the money out and I am trying to simplify things for my wife if I were to die. Just doing the full withdrawal and rollover is a complex and aggravating process. At least compared...
by TimeRunner
Thu May 31, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Updated (May 2018) TSP Withdrawal Options from FRTIB
Replies: 9
Views: 708

Re: Updated (May 2018) TSP Withdrawal Options from FRTIB

The email and the summary said the changes were coming Sept 2019, but the PDF that had all the details of the changes did not mention that date. That omission caught my attention.
by TimeRunner
Sat May 26, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: Near commercial level treadmill
Replies: 36
Views: 2733

Re: Near commercial level treadmill

True story: I belonged to an Athletic Club for a few years. One day I was on one of the treadmills, listening to music shuffling on my iPod Nano. A particularly exuberant song, the Ataris' version of Henley's "Boys of Summer" started playing, so I cranked up the speed to around 8+ mph at a very slig...
by TimeRunner
Sat May 26, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: Alexa Echo sent family's audio file to a contact
Replies: 64
Views: 5715

Re: Alexa Echo sent family's audio file to a contact

I agree. Sometimes it’s better to be hidden in plain sight. On the other hand the Chinese farms are gobbling up data from the socials at a breakneck rate. Forget Facebook. The bad actors are the ones you cannot see. I oftentimes see the Baidu spider logged into this site too, but not at this moment.
by TimeRunner
Fri May 25, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 12289

Re: Chase Savings Account emptied out!

Chase let's you see which devices were used to login, and other than my cellphone and megacorp issued PC, there were no others. Another point: Don't do private stuff on your megacorp-issued PC! There is likely a large group of admins who could even/likely be overseas, who would have remote access a...
by TimeRunner
Thu May 24, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Free to freeze and unfreeze your credit report
Replies: 13
Views: 2041

Re: Free to freeze and unfreeze your credit report

Wasn't the removal always free but adding had a cost? Should be completely free now which is great news! No, removal was $10 per person for each credit bureau in Calif. If you were, for example, applying for a mortgage re-fi with your spouse, you would be paying $60, maybe even twice. (Once at appl...
by TimeRunner
Thu May 24, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Alexa Echo sent family's audio file to a contact
Replies: 64
Views: 5715

Re: Alexa Echo sent family's audio file to a contact

I was watching an episode of the 4th season of Bosch on [edit: Amazon Prime] when my Google mini triggered. I rewound, replayed, and it triggered again. I didn't hear anything that sounded like "OK, Google" or "Hey, Google" which is the documented trigger. There was just some combination of sounds t...
by TimeRunner
Thu May 24, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Free to freeze and unfreeze your credit report
Replies: 13
Views: 2041

Re: Free to freeze and unfreeze your credit report

Dang, that's good news. Strange that the news didn't surface in any mainstream publications that I read, although I could have missed it (WSJ, NYT, LAT, WashPo). A typical unfreeze is $30 for the Big 3 here in California, double that if my wife's required to do that. :beer
by TimeRunner
Tue May 22, 2018 8:43 pm
Forum: Investing - Theory, News & General
Topic: The Millionaire Next Door and civil servants
Replies: 99
Views: 14085

Re: The Millionaire Next Door and civil servants

One other point: I am proud of my federal work and the mission of my Agency. We did excellent work in public service. Whatever the delta was between private sector and public, I feel content in knowing that we made a positive difference. Sometimes it's not all about the money. :)
by TimeRunner
Tue May 22, 2018 8:40 pm
Forum: Investing - Theory, News & General
Topic: Theory: Total World Index a Sure Fire Win [VT/VTWSX]
Replies: 155
Views: 12746

Re: Theory: Total World Index a Sure Fire Win [VT/VTWSX]

Holding Total World is the logical end-point of Bogleheads' equities strategy. Vanguard's expense ratio has been dropping, so the argument that you're better off with several funds to build the equivalent and manually rebalancing between them is also becoming less significant, at least in TIRA and R...
by TimeRunner
Tue May 22, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: ACL reconstruction surgery using allograft
Replies: 5
Views: 470

Re: ACL reconstruction surgery using allograft

I had complete tear of ACL, and a cadaver (BTB) replacement in 2011 at age 57. After surgery, that knee was functionally 100%, although there was some nerve numbness for probably two years before that faded away. I was an active but slowing triathlete and runner before injury, and still am. I had se...
by TimeRunner
Mon May 21, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84323

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

"A Model 3 with a $35,000 price will be the rarest of the rare," said Kevin Tynan, a Bloomberg Intelligence analyst. "Perhaps the second-most-collectible Tesla ever, behind the one floating around in space." Source: LA Times Article: "What happened to the 'affordable' $35,000 Tesla Model 3?" http://...
by TimeRunner
Mon May 21, 2018 10:02 pm
Forum: Investing - Theory, News & General
Topic: The Millionaire Next Door and civil servants
Replies: 99
Views: 14085

Re: The Millionaire Next Door and civil servants

Another retired (FERS) two-comma club Fed here. As Victoria hinted, "Spenders gonna spend, savers gonna save" regardless of Fed or other gov or private sector employment.
by TimeRunner
Sun May 20, 2018 9:39 am
Forum: Investing - Theory, News & General
Topic: Has Firecalc or I-ORP altered your retirement plans?
Replies: 35
Views: 3883

Re: Has Firecalc or I-ORP altered your retirement plans?

I-ORP has been useful for our planning for Roth IRA conversions and understanding the pattern for optimal account withdrawal in retirement. There was a frustrating issue with saved data from previous run not being carried over when the I-ORP model on the website was periodically updated, but that wa...
by TimeRunner
Sat May 19, 2018 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Wife Retiring hesitant to roll-over funds to Vanguard
Replies: 36
Views: 2657

Re: Wife Retiring hesitant to roll-over funds to Vanguard

It's not a forever choice. I'd use Fido or Schwab for now, and at some point when VG gets on top of their customer service and IT issues, consider moving it over. If you have a local Fido or Schwab office, that's a plus.
by TimeRunner
Thu May 17, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: HV Landscaping Electrical Wiring
Replies: 7
Views: 553

Re: HV Landscaping Electrical Wiring

Totally illegal and unsafe setup. Rent a walk-behind trencher at your local equipment rental shop. Even Home Depot rents these: https://www.homedepot.com/tool-truck-rental/Trencher-18/T-4-HS18/ Make sure you know where any pipes, culverts, or other infrastructure are before you trench, or bad things...
by TimeRunner
Tue May 15, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: Free skin cancer screenings
Replies: 26
Views: 2344

Re: Free skin cancer screenings

I basically grew up at the beach, there almost every weekend and summer day. During and after college I worked for a decade mostly outdoors. I have two dermatologists, one who deals with the cosmetic SK's (seborrheic keratosis) every three months and makes sure that no new skin disorders are serious...
by TimeRunner
Sun May 13, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84323

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

TravelGeek wrote:
Sun May 13, 2018 5:19 pm
Obviously, I *should* be paying attention to what is going on in front of me, so hopefully I will never get to experience the auto breaking feature.
Auto breaking, heh. I see what you did there. :wink:
by TimeRunner
Fri May 11, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: IRS tax form [Rejected as photocopy, signature must be in blue ink]
Replies: 41
Views: 3286

Re: IRS tax form [Rejected as photocopy, signature must be in blue ink]

About 91% of tax returns were e-filed this year as of March 28. IRS press release and stats here: https://www.irs.gov/newsroom/as-efile-g ... s-on-paper
by TimeRunner
Tue May 08, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: 36" or 42" wide Refrigerator?
Replies: 33
Views: 2782

Re: 36" or 42" wide Refrigerator?

deleted
by TimeRunner
Thu May 03, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84323

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

I thought the interview with Sandy Munro about the Tesla 3 teardown was fascinating. He also discusses robotic assembly, design considerations for such assembly, and where Tesla falls short in design and manufacturing. He credits Tesla with a fabulous "skateboard", i.e. the floorpan, motor, drivetra...
by TimeRunner
Mon Apr 30, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: If you really like the CR-V, you should check out the [_____]
Replies: 79
Views: 6485

Re: If you really like the CR-V, you should check out the [_____]

Give her the CRV and get a Mazda MX-5 Miata Roadster. :wink:
by TimeRunner
Mon Apr 23, 2018 9:36 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 982
Views: 175578

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Initiated a transfer of a large portion of assets from a mutual fund only account at Fidelity to TDA. Fidelity just sold the (mutual fund) shares and stuck me with a $10 outgoing wire fee. Account is still open, and they could have simply sent a check. Do I have any recourse? The $10 is likely less...
by TimeRunner
Mon Apr 23, 2018 8:03 pm
Forum: Investing - Theory, News & General
Topic: Tencent now largest non-US stock
Replies: 40
Views: 4955

Re: Tencent now largest non-US stock

I invest in VT (Vanguard Total World) so I don't have to figure out which US or International company is "better". :moneybag
by TimeRunner
Mon Apr 23, 2018 7:53 pm
Forum: Investing - Theory, News & General
Topic: Floating Net Worth w/ VT after 5 Years
Replies: 52
Views: 6783

Re: Floating Net Worth w/ VT after 5 Years

VT's a great fund and expense ratio has been steadily dropping as it grows. Automatic rebalancing takes timing off the table. Most of my equity holding is VT, bonds in TSP G Fund as a former Fed. (70/30).
by TimeRunner
Mon Apr 16, 2018 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire at age 40?
Replies: 158
Views: 17139

Re: Can I retire at age 40?

But my calculations do involve getting better returns then it seems the consensus thinks can be done consistently over time. I am meaning stocks and mutual funds and swing trading (and day trading in certain circumstances). So definitely risk is high there. Done right and well, this sounds like wor...
by TimeRunner
Mon Apr 16, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Allocation
Replies: 14
Views: 1356

Re: TSP Allocation

You are buying new TSP stock shares every pay period, so if a fund goes down, you'll buy a bit more shares, and if it goes up, a bit less. Just leave it on autopilot and don't be tempted to futz with it. :beer
by TimeRunner
Mon Apr 09, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Recordkeeping system for retirees
Replies: 25
Views: 2774

Re: Recordkeeping system for retirees

Dottie57, PM sent. To others, bottomline is make sure anyone who has a trust knows what assets are in it and that it they are well defined.
by TimeRunner
Sun Apr 08, 2018 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Recordkeeping system for retirees
Replies: 25
Views: 2774

Re: Recordkeeping system for retirees

Recently retired and looking at my multiple hard copy 4 drawer record file cabinets this morning. They desperately need updating and new folders created (medicare, estimated tax payments, etc). Enjoy your retirement and let your kids sort it out. Worked for my folks :D They saved this activity for ...
by TimeRunner
Wed Apr 04, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Should I get a loan for a motorcycle?
Replies: 24
Views: 1866

Re: Should I get a loan for a motorcycle?

Find a garage queen, lightly used, and pay cash. If you can't afford it without a loan, don't buy it until you can. As you say, your car comes first, and you will have other unexpected expenses you haven't yet thought of that will need to be covered.
by TimeRunner
Tue Apr 03, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Recordkeeping system for retirees
Replies: 25
Views: 2774

Re: Recordkeeping system for retirees

Fidelity has a solution for this that's free: https://www.fidsafe.com/ . 5GB limit. If you're storing more than that, look elsewhere (but also ask yourself if you really need all those records).
by TimeRunner
Sat Mar 31, 2018 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Federal survivor benefit decision help needed
Replies: 19
Views: 1550

Re: Federal survivor benefit decision help needed

jerryk68 wrote:
Sat Mar 31, 2018 7:03 pm
I would never substitute a COLA pension in favor of insurance. I think you are over thinking this.
Apologies, but vice versa. The survivor annuity benefit is COLA'd and lifetime, something great you can do for your life partner.
by TimeRunner
Sat Mar 31, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Federal survivor benefit decision help needed
Replies: 19
Views: 1550

Re: Federal survivor benefit decision help needed

I went with FERS 50% survivor benefit as well, which is actually around 55%, of which most is COLA'd. (See FERS COLA rules if you need more on how it works.) If your spouse passes before you do, the 10% deduction is stopped.
by TimeRunner
Sat Mar 24, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: CBP (INS) Global Entry program worth it?
Replies: 65
Views: 5228

Re: CBP (INS) Global Entry program worth it?

Just breezed thru LAX Immigration and Customs with Global Entry, making our regional bus connection just in time. That just paid for all the hassle of getting it. :)
by TimeRunner
Thu Mar 01, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Google Pixel 2 Users-Experience So Far?
Replies: 37
Views: 2719

Re: Google Pixel 2 Users-Experience So Far?

Use a 2 XL on Project Fi. Fine phone, fine service so far.
by TimeRunner
Tue Feb 27, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 109
Views: 7933

Re: Federal Employees, leading up to retirement?

I believe you only get an additional 1% added to your annuity for the sick leave unlike unused annual leave where you are compensated for the entire amount. Not sure what your retirement rank is but hypothetically speaking suppose your pension is 50K annually, at 1% that's an year an extra $500 a y...
by TimeRunner
Tue Feb 27, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Question for older bicyclist, coming back from injury
Replies: 42
Views: 2594

Re: Question for older bicyclist, coming back from injury

Wife and I switched from many years of using road-specific pedals/cleats to using Shimano SPD mountain bike pedals and SH56 Multi-directional release cleats on our road and tri bikes. They seem more safe (YMMV) and have the added advantage of being easy to walk around in when off the bike - worth th...
by TimeRunner
Tue Feb 27, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 109
Views: 7933

Re: Federal Employees, leading up to retirement?

I believe you only get an additional 1% added to your annuity for the sick leave unlike unused annual leave where you are compensated for the entire amount. Not sure what your retirement rank is but hypothetically speaking suppose your pension is 50K annually, at 1% that's an year an extra $500 a y...
by TimeRunner
Sun Feb 25, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion Push with Tax Law Changes (Money Mag Article)
Replies: 23
Views: 2685

Re: Roth Conversion Push with Tax Law Changes (Money Mag Article)

Check out http://i-orp.com Optimal Retirement Planner for a quick look to see if Roth conversions make sense for them. (Extended model in particular.)
by TimeRunner
Sat Feb 24, 2018 10:53 pm
Forum: Personal Consumer Issues
Topic: New Dryer with Issues... Should I return it?
Replies: 16
Views: 1419

Re: New Dryer with Issues... Should I return it?

squirm wrote:
Sat Feb 24, 2018 2:01 pm
would a simple fix work, like gently filing down the edges of the sensor? Might be easier than dealing with returns.
This is the thought that also occurred to me - channeling your inner 1940 midwest farmer. A simple dressing with a fine metal file may solve the issue completely.
by TimeRunner
Sat Feb 24, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 109
Views: 7933

Re: Federal Employees, leading up to retirement?

I found it worthwhile to work my way thru CSRS FERS Handbook Chapter 51, here: https://www.opm.gov/retirement-services/publications-forms/csrsfers-handbook/c050.pdf It was written for the age of pen and paper. Quite amazingly, you can precisely calculate your retirement annuity simply using pen, pap...
by TimeRunner
Thu Feb 22, 2018 9:09 pm
Forum: Investing - Theory, News & General
Topic: Total World expense ratio lowered
Replies: 38
Views: 8731

Re: Total World expense ratio lowered

VT ETF Expense Ratio is 0.10% as of 02/22/2018. :beer