Search found 1512 matches

by TimeRunner
Fri Jun 14, 2019 10:42 pm
Forum: Personal Investments
Topic: Arguments for getting more complex than three-fund portfolio? (portfolio review / first post)
Replies: 16
Views: 1323

Re: Arguments for getting more complex than three-fund portfolio? (first post)

...or you can pivot the other direction: 1. Vanguard Total World ETF (VT), and 2. Some bond fund (Total Bond Index, Intermediate Term, TSP G Fund (if you're a Fed), etc). Simple yet effective.
by TimeRunner
Wed Jun 12, 2019 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Big (expensive) remodel in LA -- advice and tips?
Replies: 12
Views: 1277

Re: Big (expensive) remodel in LA -- advice and tips?

We're up the coast a few hours from you, and we're using $375/sq. ft. as the estimate. $400 is not unreasonable. Don't underestimate planning/permitting costs as well as utility relocation. Next door neighbor went through a major remodel five years ago and water district required moving the meter, a...
by TimeRunner
Tue Jun 11, 2019 10:42 pm
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 4873

Re: Gillette Fusion razors

I didn't shave for 3 days and compared the Fusion and Mach 3 side by side. Both were comfortable and didn't pull or cut. But the 3 day stubble is where I feel the Fusion had the biggest advantage as the Mach 3 seemed to miss more spots. I'm going to stick with the Fusion but found both worked very ...
by TimeRunner
Mon Jun 10, 2019 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: [Calculating future Social Security benefits: How do I adjust the discount rate?]
Replies: 44
Views: 2793

Re: [Calculating future Social Security benefits: How do I adjust the discount rate?]

#Cruncher, that is some seriously impressive conformational spreadsheet work. Tip 'o the hat to you. :beer
by TimeRunner
Sun Jun 09, 2019 9:21 pm
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 4873

Re: Gillette Fusion razors

drzzzzz wrote:
Sun Jun 09, 2019 7:37 pm
Do folks use shaving cream or gel or something else with their razors? I find the cream/gel to me seems to clog the fusion blades or are more difficult to wash out.
Cremo. https://cremocompany.com/mens-shave (available reasonably on Amazon)
by TimeRunner
Sun Jun 09, 2019 7:50 am
Forum: Personal Consumer Issues
Topic: Refrigerator Advice
Replies: 46
Views: 3092

Re: Refrigerator Advice

My 3-year warranty expires this year and I'm expecting it to break or die within the next year, especially with all the lightening strikes in this region.... Plug the fridge into a surge protector, such as https://www.tripplite.com/protect-it-surge-protector-4-side-mounted-outlets-direct-plug-in-72...
by TimeRunner
Sat Jun 08, 2019 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Quicken alternatives?
Replies: 46
Views: 3158

Re: Quicken alternatives?

A limitation I experienced with MoneyDance: my primary checking account is a CMA with Fidelity. MoneyDance would not support treatment as a checking account. In correspondence about that, the developer seemed disinterested. Other than showing up in the Investments heading on the sideboard rather th...
by TimeRunner
Sat Jun 08, 2019 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 304
Views: 49115

Re: Improving the TSP [for current participants]

This is just what I was fearing upthread in our big thread, and it makes using the TSP very cumbersome and old fashioned. It sounds like what they are proposing is that once you send in a new form with new withdrawal option or installment payment change, which would require spousal signature and not...
by TimeRunner
Thu Jun 06, 2019 11:26 pm
Forum: Investing - Theory, News & General
Topic: Fidelity expands commission-free ETF list to >500
Replies: 55
Views: 4485

Re: Fidelity expands commission-free ETF list to >500

I hold Vanguard Total World (VT) at Fido, and pay maybe $20/year in commissions to them. In exchange, I get a free CMA account, 2% cash back VISA card, free Turbotax Premier every year, and no one calls to upsell me. I have a fairly local office with full notary service, free ATMs, no foreign transa...
by TimeRunner
Thu Jun 06, 2019 11:21 pm
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 4873

Re: Gillette Fusion razors

I've tried them all, including DE razors. Mach 3 is the best balance between convenience and cost. Completely dry the blade after every shave to increase longevity. Can even keep it in oil. Some people enjoy shaving like others enjoy golf and invest the time and money. I enjoy a nice slow shave onc...
by TimeRunner
Thu Jun 06, 2019 2:34 pm
Forum: Investing - Theory, News & General
Topic: US stocks still look better than anywhere else
Replies: 100
Views: 7548

Re: US stocks still look better than anywhere else

...and from today's WSJ article: “U.S. stocks are very vulnerable right now,” said Luca Paolini, chief strategist at Pictet Asset Management, who has sold some of their U.S. equities and added cash, gold and shares of companies in emerging markets and the U.K. “We’re toward the end of a cycle. It’s ...
by TimeRunner
Tue Jun 04, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Being given charity that I don't need
Replies: 45
Views: 3534

Re: Being given charity that I don't need

Put the difference in her tip jar at the cash register. She doesn't even need to know unless you make a show of it.
by TimeRunner
Sun Jun 02, 2019 1:24 pm
Forum: Personal Investments
Topic: Just Got a Call From Fidelity
Replies: 55
Views: 7647

Re: Just Got a Call From Fidelity

I've never gotten a call, just an occasional "thought you would be interested in this" email. If he looks in my accounts, 99% will be Vanguard VT. That pretty much says "not worth calling this guy."
by TimeRunner
Sat Jun 01, 2019 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 736
Views: 78122

Re: Fidelity as a one stop shop

Anyone using a good check register to work with the Brokerage account, other than Quicken? I am wanting to get a way from Quicken but that is the only register I know of where I can enter my transactions as I pay bills then ultimately have it reconciled via a download from my account. Thanks for an...
by TimeRunner
Sun May 26, 2019 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Maxifi planner
Replies: 52
Views: 8702

Re: Maxifi planner

The program is now useful. Cool, keep after them. I've suggested they carryover the feature from ESPlanner that sets the calc date to a future year, such as CY2019 to CY2020, so rather than inputting account balances from 12/31/19, one would input estimated balances for the end of 2020. I'm happy t...
by TimeRunner
Thu May 23, 2019 10:04 am
Forum: Investing - Theory, News & General
Topic: just a general comment about "too conservative" investors here
Replies: 151
Views: 14644

Re: just a general comment about "too conservative" investors here

I have a good friend who invested all his retirement savings (about $800K) in single-family houses in a small town that was expanding as a "prison town" and was under-housed. (I tried to get him to Bogleheads but he had a better idea.) He saved money by trying to be his own property manager, althoug...
by TimeRunner
Wed May 22, 2019 9:49 pm
Forum: Personal Consumer Issues
Topic: Short (3 night) Catamaran Charter in USVI or BVI
Replies: 14
Views: 1162

Re: Short (3 night) Catamaran Charter in USVI or BVI

We've rented a house on St John twice, and most recently went on an 8 day crewed sail charter sailing catamaran in the BVIs. The Cat we had was set up with 4 cabins, each with it's own head. Having a Captain was obviously more expensive, but it was great to have local knowledge to take us to places...
by TimeRunner
Wed May 22, 2019 5:35 pm
Forum: Personal Investments
Topic: Kids accounts: Vanguard Total World Stock
Replies: 36
Views: 3388

Re: Kids accounts: Vanguard Total World Stock

It might be but probably won't be that this fund choice will be the most logical for them as time goes on. Do you mind expanding a bit on this? Thanks for your reply. Yes, it's the fact that once one starts to locate funds in different kinds of accounts and one deals with the best choices in a 401k...
by TimeRunner
Wed May 22, 2019 3:22 pm
Forum: Personal Investments
Topic: Kids accounts: Vanguard Total World Stock
Replies: 36
Views: 3388

Re: Kids accounts: Vanguard Total World Stock

It might be but probably won't be that this fund choice will be the most logical for them as time goes on. Do you mind expanding a bit on this? Thanks for your reply. Yes, it's the fact that once one starts to locate funds in different kinds of accounts and one deals with the best choices in a 401k...
by TimeRunner
Wed May 15, 2019 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Maxifi planner
Replies: 52
Views: 8702

Re: Maxifi planner

afan wrote:
Wed May 15, 2019 9:56 am
Back to the restaurant example. I could afford to buy more food than I want to eat, but why should I?
The example is really more like: I'm happy to eat a hot dog for dinner, so why would I eat in a nice restaurant?

Doesn't sound like this software meets your needs. :wink:
by TimeRunner
Wed May 08, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: French Door Refrigerator Recommendations?
Replies: 65
Views: 4900

Re: French Door Refrigerator Recommendations?

Here's an update to my upthread posts: AIG, the insurance company Best Buy uses to handle warranty claims, sent a tech after eight days, and he diagnosed a failed compressor. As he was ordering a new one from LG, he was informed that LG is now covering all parts and labor for the "sealed system", wh...
by TimeRunner
Mon May 06, 2019 10:09 pm
Forum: Personal Consumer Issues
Topic: Which US city would you move to?
Replies: 74
Views: 7202

Re: Which US city would you move to?

Not Actionable, period.
by TimeRunner
Sun May 05, 2019 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Maxifi planner
Replies: 52
Views: 8702

Re: Maxifi planner

That’s funny, the first think I look at is “per-adult living standard." That’s what makes horse races. Yes, that's the number we're trying to optimize. It's not a budget planning tool at all, it's about optimizing discretionary income and smoothing it over remaining lifetime(s). If one doesn't spen...
by TimeRunner
Mon Apr 22, 2019 9:46 pm
Forum: Personal Consumer Issues
Topic: French Door Refrigerator Recommendations?
Replies: 65
Views: 4900

Re: French Door Refrigerator Recommendations?

Update: Tech diagnosed the fridge today - no surprise, it's the compressor. Should have Best Buy/AIG's approval for repair within 2 days, then order new compressor, then schedule installation for around May 6 (two weeks). Will take 3-4 hours to repair, which involves removing reefer gas, cutting pre...
by TimeRunner
Sun Apr 21, 2019 4:07 pm
Forum: Personal Consumer Issues
Topic: French Door Refrigerator Recommendations?
Replies: 65
Views: 4900

Re: French Door Refrigerator Recommendations?

This is the extended warranty with BB? Lowe’s gave us a loaner fridge when our Samsung conked out. It was a pain, because it was sitting in our already small kitchen next to the dead Samsung, but at least we had something. No loaners, and you have to ask about a Food Spoilage Claim form, or Google ...
by TimeRunner
Sat Apr 20, 2019 9:22 pm
Forum: Personal Consumer Issues
Topic: French Door Refrigerator Recommendations?
Replies: 65
Views: 4900

Re: French Door Refrigerator Recommendations?

LG-authorized repair person supposedly comes Monday. Best Buy handed it off to their insurance company for fridges, AIG, who then contracts with semi-local (40 miles away) repair shop that sends tech to diagnose issue. (It's a busted compressor but they won't take customer's diagnosis - they need to...
by TimeRunner
Sat Apr 20, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Controlling Ivy on walls
Replies: 26
Views: 1565

Re: Controlling Ivy on walls

Rats love ivy - easy to climb, great habitat to hide and burrow in. Oh, no, not RATS! And how about snakes?? Snakes creep me out! This board has people post their experiences from all over. I know nothing about Virginia Creeper. Here on the West Coast, English Ivy is a scourge. Once planted as a qu...
by TimeRunner
Thu Apr 18, 2019 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 129
Views: 9673

Re: Quicken 2019 and forward

The dealer might charge you less for any number of reasons, including fostering loyalty, hoping for repeat business, having you give them a good review or mention on social media, whatever. I used the word MIGHT in caps and carefully qualified my answer. Good luck with whatever path you choose. 8-)
by TimeRunner
Thu Apr 18, 2019 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 129
Views: 9673

Re: Quicken 2019 and forward

Based on your "one batch file" I downloaded Moneydance to try it out. The only import mechanism I could find was via QIF files and those only work one account at a time. I have dozens of accounts so that seems like a massive project. QIF files aren't very good at dealing with transfers between acco...
by TimeRunner
Thu Apr 18, 2019 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 129
Views: 9673

Re: Quicken 2019 and forward

Based on your "one batch file" I downloaded Moneydance to try it out. The only import mechanism I could find was via QIF files and those only work one account at a time. I have dozens of accounts so that seems like a massive project. QIF files aren't very good at dealing with transfers between acco...
by TimeRunner
Thu Apr 18, 2019 7:53 pm
Forum: Personal Consumer Issues
Topic: Controlling Ivy on walls
Replies: 26
Views: 1565

Re: Controlling Ivy on walls

Rats love ivy - easy to climb, great habitat to hide and burrow in.
by TimeRunner
Mon Apr 15, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 10179

Re: seriously thinking about leaving S. CA but where to?

What's your budget for your new home + (property taxes + state income tax) per year?

Maybe you just need to move from Anaheim to Laguna Beach oceanfront. Is Emerald Bay in your budget? :? A few miles is a world of difference and a relatively easy move.
by TimeRunner
Mon Apr 15, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: French Door Refrigerator Recommendations?
Replies: 65
Views: 4900

Re: French Door Refrigerator Recommendations?

There are many Internet complaints about LG's linear compressor failures, as well as repair time due to parts backorders and lack of repair techs. A class action lawsuit is being filed in California and is likely to expand to other states. See: https://www.girardsharp.com/work-pending-lg-fridge-clas...
by TimeRunner
Sun Apr 14, 2019 8:43 pm
Forum: Personal Consumer Issues
Topic: French Door Refrigerator Recommendations?
Replies: 65
Views: 4900

Re: French Door Refrigerator Recommendations?

If you had asked a few days ago, I'd have written a strong recommendation for an LG. But yesterday afternoon it mostly stopped making 'cool'. The freezer side is just above fridge temp, the fridge side is only slightly cool. Best Buy extended warranty - they've been called but appointment is eight d...
by TimeRunner
Sun Apr 14, 2019 2:18 pm
Forum: Personal Investments
Topic: ORP says I should stop all pre-tax contribs
Replies: 75
Views: 6026

Re: ORP says I should stop all pre-tax contribs

The ORP baked in assumption that tax rates will revert to 2017 levels after 2025 is driving the seemingly anomalous results. If the assumption turns out to be correct, then it looks like to me that ROTH and taxable is preferable to tax deferred for those years of lower than historic taxes. However ...
by TimeRunner
Sat Apr 13, 2019 6:21 pm
Forum: Personal Investments
Topic: Fidelity is making it hard for my daughter to fund a Roth
Replies: 55
Views: 5956

Re: Fidelity is making it hard for my daughter to fund a Roth

See this SEC "Fast Answer" for why any US broker-dealer (not just Fido) would ask for this information: https://www.sec.gov/fast-answers/answer ... fohtm.html

TLDR: Times and requirements have changed since you or your loved ones last opened an account.
by TimeRunner
Fri Apr 12, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 736
Views: 78122

Re: Fidelity as a one stop shop

mighty72 wrote:
Fri Apr 12, 2019 4:39 pm
Wiki entry, please add to it
https://www.bogleheads.org/w/index.php? ... elcome=yes
Marvelous! (as Clint Eastwood says, but in a good way!) This is a really useful topic.
by TimeRunner
Thu Apr 11, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 843
Views: 84904

Re: What frugal thing did you do today?

Not register for Bogleheads 2019 conference. Will put that travel money towards Galapagos and Easter Island trips. :mrgreen:
by TimeRunner
Tue Apr 09, 2019 8:59 pm
Forum: Investing - Theory, News & General
Topic: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)
Replies: 32
Views: 3097

Re: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)

Another Fido Fan here. Happy to have taxable at Vanguard and Roth and TIRA at Fido, with local office, free TurboTax Premier, free notary/medallion, 2% cash back credit card tied to CMA, no fee ATM, yada yada yada. My Fido Zero holdings are up about $2...as they are holding the spare change in my re...
by TimeRunner
Mon Apr 08, 2019 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 129
Views: 9673

Re: Quicken 2019 and forward

Our household switched to Moneydance. I switched maybe 18 months ago and have run in parallel with Quicken 2016 until April 1, 2019. Wife switched from Quicken 2016 (same license) to Moneydance (same license) last month. We've now dropped Quicken completely. Tips for those interested: The Moneydance...
by TimeRunner
Sat Apr 06, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 388
Views: 29291

Re: Talk me out of buying a Tesla Model 3

Sandy Munro (Munro & Associates) had very interesting things to say about Tesla on the most recent Autoline After Hours video/podcast, found here:https://youtu.be/2DucRxWz_58?t=69 Munro was previously very critical of Tesla's design, build quality, body engineering, while very impressed about the po...
by TimeRunner
Thu Apr 04, 2019 8:14 pm
Forum: Investing - Theory, News & General
Topic: Would you buy Total World index if it had Admiral Shares?
Replies: 86
Views: 14957

Re: Would you buy Total World index if it had Admiral Shares?

We're into the VT ETF (held at Fido) bigtime. Yay us, heh. :beer
by TimeRunner
Wed Mar 27, 2019 8:02 pm
Forum: Personal Consumer Issues
Topic: Decent hiking/trekking clothing?
Replies: 50
Views: 1969

Re: Decent hiking/trekking clothing?

I'd think about dressing down and avoiding logo-wear. Take the plastic Casio too. :!:
by TimeRunner
Wed Mar 27, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Are 2004 Ford Rangers Reliable?
Replies: 20
Views: 1381

Re: Are 2004 Ford Rangers Reliable?

I owned a '94 Ranger 4-cy, bought new and kept until 2009. It was generally reliable, except for two issues: Radiator needed to be swapped with a rebuilt, and the ECU computer failed, requiring replacement. I wore the driver's seat out too. Please note that the '94 DOES NOT HAVE AIRBAGS - they were ...
by TimeRunner
Wed Mar 27, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: Cox Retention Department
Replies: 9
Views: 1020

Re: Cox Retention Department

Where we live, and possibly where you live, our only other wired choice is copper DSL, and Cox knows it. Our Cox cost just went up another $5/month, so last week we decided to drop down from 50Mb to 30Mb download, saving $18/month. There was no loyalty program or commit-for-12-months-and-save progra...
by TimeRunner
Tue Mar 26, 2019 5:52 pm
Forum: Personal Consumer Issues
Topic: How to Sell a Wyland Painting on My Bathroom Wall?
Replies: 74
Views: 6389

Re: How to Sell a Wyland Painting on My Bathroom Wall?

You can also buy a Wyland bathroom soap dispenser that's whale themed: https://www.pinterest.com/pin/498492252486520432/ Amusingly, Google images has already captured the photo of the "Bathroom by Wyland" dolphin, and returns the image in the search results: https://goo.gl/images/zCTYh3 OP's bathroo...
by TimeRunner
Mon Mar 25, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: How to Sell a Wyland Painting on My Bathroom Wall?
Replies: 74
Views: 6389

Re: How to Sell a Wyland Painting on My Bathroom Wall?

"Bathroom by Wyland" is the signature. Whatever you decide to do, that's sly wit right there. :)
by TimeRunner
Thu Mar 21, 2019 9:18 pm
Forum: Personal Consumer Issues
Topic: Google fi users - happy with it and recs?
Replies: 16
Views: 1100

Re: Google fi users - happy with it and recs?

Fi works great for us, but we live in coastal California and there's lot's of cell coverage except in the canyons and wildlands. My typical bill is $23-28/month. I have had a Pixel Xl and am currently using a Pixel 2 XL. Most of my phone/data use is over Wi-Fi, with Google Fi VPN automatically enabl...
by TimeRunner
Wed Mar 20, 2019 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 172
Views: 19878

Re: Why should FEHB members buy Medicare Part B?

ChrisC, thanks for sharing your experiences. FEHB seems to be s l o w l y improving FEHB plan coordination with Medicare. Let's hope that progress continues.