Search found 1144 matches

by oldcomputerguy
Thu Mar 30, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Is the secret to getting wealthy...
Replies: 44
Views: 2342

Re: Is the secret to getting wealthy...

... I love this forum, but you guys certainly come across as a bunch of Waldorfs and Statlers at times. Further proof that I'm getting old--I had to search out that reference! Wouldn't that be evidence suggesting you are too young to have watched the Muppets growing up? .... Unfortunately, no. :( W...
by oldcomputerguy
Thu Mar 30, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Is the secret to getting wealthy...
Replies: 44
Views: 2342

Re: Is the secret to getting wealthy...

Maybe I need to buy the full book? Because I don't network with millionaires, I don't develop multiple income streams, I don't focus on developing a need that I can sell to 5000 people for $200 reach, I don't use my lunch break to study financial papers, I don't create a mindset where I envision be...
by oldcomputerguy
Thu Mar 30, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 160
Views: 21621

Re: What was your costliest investment mistake?

walletless wrote:Almost everyone would have made some investment mistakes in their life. Some would have gone with an expensive "expert" to manage his portfolio, some would have chosen a bad AA, etc.
What was your most expensive investment mistake?


FBIOX
:oops:
by oldcomputerguy
Thu Mar 30, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: VXUS+VTI in taxable account?
Replies: 10
Views: 537

Re: VXUS+VTI in taxable account?

due to poor planning, I have over 160k sitting in my taxable account, I used to trade individual stocks only after some more research on bogleheads, I realize I should do the 3-fund portfolio, and since bond isn't tax-efficient, should I just put 50-50 VXUS-VTI in my taxable? I hold the mutual fund...
by oldcomputerguy
Thu Mar 30, 2017 10:08 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 182
Views: 22174

Re: John Bogle on international

I just saw this recent article where Jack is talking about his views on international. [b] This is from Jack: International Investing Is Overrated Bogle is "not on board with international investing," he said flatly. "I don't do international. I never have." Many investors disag...
by oldcomputerguy
Thu Mar 30, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Glucosamine for joint pain?
Replies: 8
Views: 407

Re: Glucosamine for joint pain?

I'd been having some pretty significant knee pain in one knee, to the point where I could not go up stairs. I had tried glucosamine before, but quickly tired of taking those huge pills, so I never really gave it a fair shake. With the onset of this latest knee pain about two months ago, I decided to...
by oldcomputerguy
Wed Mar 29, 2017 6:35 pm
Forum: Investing - Theory, News & General
Topic: Tax-Managed Small Cap vs. Small Cap Index
Replies: 10
Views: 941

Re: Tax-Managed Small Cap vs. Small Cap Index

Thanks for the input, Jag and HB. I didn't even realize there is a 0% rate when in the 15% bracket. That simplifies the issues, but I had not considered the difference in the tracked index either. I'll check into that. Thanks again!! The rate you pay on dividends and capital gains depends on your t...
by oldcomputerguy
Wed Mar 29, 2017 2:17 pm
Forum: Investing - Theory, News & General
Topic: Justification for Adding REITs
Replies: 69
Views: 4564

Re: Justification for Adding REITs

I'm a bit confused. As I understand what you wrote, adding REITs to a portfolio that already contained TSM would kick the percentage of the portfolio holding REITs up closer to what the market holds. But if a lot of real estate is not traded on the stock market, how would investing in a REIT fund g...
by oldcomputerguy
Wed Mar 29, 2017 2:07 pm
Forum: Investing - Theory, News & General
Topic: anyone factor in future inheritance?
Replies: 49
Views: 2211

Re: anyone factor in future inheritance?

Grt2bOutdoors wrote:
Chan_va wrote:I do. I also factor in the Powerball lottery I will win in 2026.


Why wait till then? The Powerball is tonight.


Sorry. I just bought tonight's winning ticket. Chan_va will have to wait until Saturday. :mrgreen:
by oldcomputerguy
Wed Mar 29, 2017 2:02 pm
Forum: Investing - Theory, News & General
Topic: Justification for Adding REITs
Replies: 69
Views: 4564

Re: Justification for Adding REITs

Beyond what's said above, Some would say that real estate is under represented in the Stock market because so much real estate investment is not traded on the stock market. Tilting to REITs is seen as a way to correct this imbalance. I'm not suggesting that's gospel, it's just a justification I hav...
by oldcomputerguy
Wed Mar 29, 2017 1:55 pm
Forum: Investing - Theory, News & General
Topic: opinions on VNQ? [Vanguard REIT Index]
Replies: 11
Views: 790

Re: opinions on VNQ?

as someone who work in the commercial real estate industry, I am really interested to learn more about the performance of VNQ do you guys think REITs ETF like VNQ would be a good option to have in your portfolio? Should I invest some of the money in my taxable account into VNQ? REITs by law have to...
by oldcomputerguy
Wed Mar 29, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and bad news
Replies: 71
Views: 8387

Re: Where to buy a Vanguard hat?

That's what happened to me - I ordered the one with Vanguard written out and they sent me the V one. Around here (Nashville area) V equates to Vanderbilt University and I am not and don't want to be associated with them. Yeah. Me neither. Such a hat wouldn't go over very well over down the street a...
by oldcomputerguy
Tue Mar 28, 2017 5:04 pm
Forum: Investing - Theory, News & General
Topic: What's your strategy for withdrawing funds in Retirement ?
Replies: 57
Views: 5764

Re: What's your strategy for withdrawing funds in Retirement ?

Almost there wrote:Toons I hope you know RMDs have nothing to do whether you want to do it or not, but the IRS requires it.


I think someone misinterpreted Toons' math. The way I read it, he's age 66 now, and has been retired since age 60. So RMD's are not yet required.
by oldcomputerguy
Tue Mar 28, 2017 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: How to get "Total US Stock" and "Total US Bond" in my 403(b)
Replies: 22
Views: 515

Re: How to get "Total US Stock" and "Total US Bond" in my 403(b)

Bond Funds Available: Metropolitan West Total Return Bond Fund MWTSX -- ER 0.38%, high turnover (303%) which will decrease your returns. Lower-quality than FTGLX (average BBB versus AAA). Majority of holdings are Treasuries, with a diversified mix of agency and corporate bonds. 3-year standard devi...
by oldcomputerguy
Tue Mar 28, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: What's your personal criteria for deciding whether or not to rent a car?
Replies: 88
Views: 2646

Re: What's your personal criteria for deciding whether or not to rent a car?

If there is decent mass transit where I'm going, I'll frequently just depend on that. If not, I'll look to see if the area is one I feel comfortable driving in. If so, I'll probably rent a car. If no mass transit and driving would be too much of a PITA, I'll budget for taxis. For example, I like the...
by oldcomputerguy
Tue Mar 28, 2017 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: What do symbols mean?
Replies: 2
Views: 400

Re: What do symbols mean?

I am from EU and I would like to buy ishares msci world, but on ib platform there are 5 options IWDAN (MEXI), BAC; XWD (TSE), SPX (INDEX), IBKR. What is the difference? As nearly as I can tell from a quick Google search: IWDAN -- MSCI World Index ETF, on the Mexican exchange XWD:TSE -- MSCI World I...
by oldcomputerguy
Tue Mar 28, 2017 10:13 am
Forum: Investing - Theory, News & General
Topic: Are passive funds dependent on active funds?
Replies: 24
Views: 1271

Re: Are passive funds dependent on active funds?

I similarly appreciate early adopters of technology. They pay the premium and take the risk, a few years later, I buy whatever actually works and is effective for dirt (comparatively) cheap. This is the very argument I use against ever installing any software with a version number ending in "....
by oldcomputerguy
Tue Mar 28, 2017 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Why is 3 Fund Portfolio Failing consistently for me ?
Replies: 16
Views: 3464

Re: Three-Fund Portfolio Uses Customized Allocations

Taylor Larimore wrote:My recommended Three-Fund Portfolio does NOT have 33% fixed allocations.


Taylor, I'm guessing the OP might be thinking of Dr. Bernstein's recommendation in "If You Can".
by oldcomputerguy
Tue Mar 28, 2017 5:13 am
Forum: Personal Finance (Not Investing)
Topic: Spousal Social Security Benefits and Deemed Filing
Replies: 6
Views: 684

Re: Spousal Social Security Benefits and Deemed Filing

Another wrinkle that may throw a wrench in your plan: according to Mike Piper's "Social Security Made Simple", you cannot claim spousal Social Security benefits if you have filed for your own retirement benefit and your own primary insurance amount is greater than one-half of your spouse's...
by oldcomputerguy
Mon Mar 27, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating Expected Taxes Per Paycheck
Replies: 23
Views: 1357

Re: Calculating Expected Taxes Per Paycheck

I am making a paycheck calculator in excel, and I am having a real hard time coming up with the correct formula for calculating federal withholding on a given paycheck. I have tried a few different formulas and tax tables mentioned by different website and nothing comes within $50 of what is actual...
by oldcomputerguy
Mon Mar 27, 2017 4:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3401
Views: 864476

Re: U.S. stocks in freefall

willthrill81 wrote:
nedsaid wrote:Oh goody! The thread has popped up again. A market rally is just around the corner!


I'm actually hoping for a 20% correction.


Um, isn't that a bear market? :shock:
by oldcomputerguy
Mon Mar 27, 2017 4:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3401
Views: 864476

Re: U.S. stocks in freefall

Uncle Pennybags wrote:How you day traders do'n? Some fun, huh?


I can't help but wonder what happened to the guys who shorted S&P500 right before the election. Ouch!
by oldcomputerguy
Mon Mar 27, 2017 4:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3401
Views: 864476

Re: U.S. stocks in freefall

Were people this nutty before the Internet? What did they do when they only got to see yesterday's stock prices in the newspaper once a day? They developed ulcers while trying to get their broker on the phone. Of course the broker couldn't answer because he was busy on the phone to all the other pa...
by oldcomputerguy
Mon Mar 27, 2017 2:58 pm
Forum: Investing - Theory, News & General
Topic: Are passive funds dependent on active funds?
Replies: 24
Views: 1271

Re: Are passive funds dependent on active funds?

Do you happen to know what your aggressive neighbor does for a living? Apparently, he is software engineer by profession but his 'advisor' educated him on these concepts DING DING DING DING DING!! We have a winner! Yep, it becomes clear. He's paying his "advisor" to "advise" him...
by oldcomputerguy
Mon Mar 27, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Ally vs Discover
Replies: 17
Views: 1735

Re: Ally vs Discover

I do not use two factor. I rely on a password manager and use a distinct different extra long alpha numeric upper and lower case password for each financial site. Access is also device and country restricted. Not to be paranoid, but the time and effort it would take to hack is better spent on the B...
by oldcomputerguy
Mon Mar 27, 2017 1:06 pm
Forum: Investing - Theory, News & General
Topic: Are passive funds dependent on active funds?
Replies: 24
Views: 1271

Re: Are passive funds dependent on active funds?

He says he is a true 'Buy and Hold' customer but doesn't care for index funds as they don't really 'invest'. Sounds like his definition of "investing" isn't the same as mine. Refer him to Warren Buffett, who is winning his ten-year-long "passive v active fund" bet by investing i...
by oldcomputerguy
Mon Mar 27, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and bad news
Replies: 71
Views: 8387

Re: Where to buy a Vanguard hat? An Update and bad news

This thread got me to thinking, what permission (if any) would I need to have a baseball cap made up locally (there seem to be a kiosk in just about any shopping mall) for myself with the Bogleheads logo? I don't want to infringe on anyone's intellectual property. Lady Geek answered this several po...
by oldcomputerguy
Mon Mar 27, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 5953

Re: Weathering sell-off days like today

All: I appreciate the positive comments. After sitting on cash for so long, I think all the hype started to make me worry that I made a mistake after making a lump sum investment. Reading many of the comments here are reminding me of the importance of staying the course and letting the money ride. ...
by oldcomputerguy
Mon Mar 27, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and bad news
Replies: 71
Views: 8387

Re: Where to buy a Vanguard hat? An Update and bad news

This thread got me to thinking, what permission (if any) would I need to have a baseball cap made up locally (there seem to be a kiosk in just about any shopping mall) for myself with the Bogleheads logo? I don't want to infringe on anyone's intellectual property.
by oldcomputerguy
Mon Mar 27, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and bad news
Replies: 71
Views: 8387

Re: Where to buy a Vanguard hat?

That's what happened to me - I ordered the one with Vanguard written out and they sent me the V one. Around here (Nashville area) V equates to Vanderbilt University and I am not and don't want to be associated with them. Yeah. Me neither. Such a hat wouldn't go over very well over down the street a...
by oldcomputerguy
Mon Mar 27, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 5953

Re: Weathering sell-off days like today

Ok, so a couple of weeks ago, I finally made the decision to stop hoarding cash and opened up a Vanguard account with a split between VTSAX and VBILX. Welcome. Good choices. I was always told to not time the market, so I didn't, and we're having a correction day. Nah. A "correction" invol...
by oldcomputerguy
Mon Mar 27, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: thoughts on in-ceiling speakers?
Replies: 46
Views: 2376

Re: thoughts on in-ceiling speakers?

Other than the added cost, no, there should be no downside. Cat 6 can pass lower-speed ethernet connections.
by oldcomputerguy
Mon Mar 27, 2017 5:50 am
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Girlfriend
Replies: 86
Views: 6234

Re: Massive Student Loan Debt - Girlfriend

If the PSLF program were to fail, it seems paying back the debt would be insurmountable on her income alone, presumably leaving me to absorb the payments. If you get married, what is yours is hers and what is hers is yours. You would no longer be debt-free, you would now have $175,000 in debt. :bee...
by oldcomputerguy
Mon Mar 27, 2017 5:27 am
Forum: Personal Consumer Issues
Topic: Does living at the beach reduce it's appeal?
Replies: 33
Views: 4219

Re: Does living at the beach reduce it's appeal?

I've never lived near the beach. However, I do live less than an hour's drive from Gatlinburg TN. We moved to this area over thirty years ago from my hometown. When my friends heard I was moving here, the comment I frequently got was "Oh, you'll be able to go to Gatlinburg anytime you want!&quo...
by oldcomputerguy
Mon Mar 27, 2017 5:21 am
Forum: Investing - Help with Personal Investments
Topic: Reallocating retirement investment: wait or makes no difference?
Replies: 11
Views: 738

Re: Reallocating retirement investment: wait or makes no difference?

I'm mid-career. My retirement fund is low six-digits and is allocated 100% Large Cap fund. The balance has dropped about $2K since 3/20 Monday's dip. I've decided I'm soon going to move 100% of Large Cap into 100% aggressive Small Cap fund and let it sit untouched for the next decade or so. In ten ...
by oldcomputerguy
Sun Mar 26, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: Our technology is old...advice on upgrading...
Replies: 53
Views: 3138

Re: Our technology is old...advice on upgrading...

Plasma TVs are hard to improve on. Unless you have a specific reason like a screen defect a 1080P plasma should be fine for current source material. Respectfully I must disagree. More than any other technology (with the possible exception of cathode ray tubes), plasma displays are subject to screen...
by oldcomputerguy
Sun Mar 26, 2017 6:21 pm
Forum: Investing - Theory, News & General
Topic: When can you transfer in kind?
Replies: 23
Views: 1316

Re: When can you transfer in kind?

I recently rolled my workplace 401k over to an IRA. The only thing I wasn't able to move "in kind" was shares of the Institutional-class S&P500 fund. It did not go to cash, however; it got demoted to Investor-class shares and moved over. (It later was "promoted" to Premium-cl...
by oldcomputerguy
Sun Mar 26, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Merriman Expense Ratios: .65% and .58% too high?
Replies: 18
Views: 1242

Re: Merriman Expense Ratios: .65% and .58% too high?

Vanguard funds aren't always the "best" when trying to capture the asset classes Paul is going for. Take a look at VBR, Vanguard's US Small Cap Value fund and compare it to RZV Guggenheims S&P 600 Pure Value fund. Both are "US Small Cap Value Funds" but take a look at their ...
by oldcomputerguy
Sun Mar 26, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: thoughts on in-ceiling speakers?
Replies: 46
Views: 2376

Re: thoughts on in-ceiling speakers?

en the option, before the sheet rock goes up, think hard about wiring every room for Ethernet, perhaps with home runs back to a data closet or even to the garage. If you contemplate some sort of streaming box (Roku, smart TV, whatever), an Ethernet drop at the TV location will come in handy. We are...
by oldcomputerguy
Sun Mar 26, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: planning to visit San Francisco for a short break
Replies: 23
Views: 1414

Re: planning to visit San Francisco for a short break

Oh, and if (like me, obviously, from my nym) you're into old computers, go take in the Computer History Museum. It's just south of the SF Bay off the 101 in Mountain View, a ten or fifteen minute drive from SF. Just a tiny nit: the Computer History Museum is about 45-60 minutes from SF. Also, aroun...
by oldcomputerguy
Sun Mar 26, 2017 7:12 am
Forum: Personal Consumer Issues
Topic: thoughts on in-ceiling speakers?
Replies: 46
Views: 2376

Re: thoughts on in-ceiling speakers?

I have in-ceiling speakers for the two rears. The two fronts and centers sit on shelves by the tv. +1. Doing this for the fronts won't detract from the appearance, and will simply wiring to the front speakers. Putting rears in the ceiling is, I think, an acceptable compromise. (My rear speakers are...
by oldcomputerguy
Sat Mar 25, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: planning to visit San Francisco for a short break
Replies: 23
Views: 1414

Re: planning to visit San Francisco for a short break

A bit out of the way but Muir Woods is an hour north of S.F. and is a beautiful redwood forrest (though on the smallish side) An even nicer Redwood forest is Big Basin (an hour plus from S.F.), south of San Francisco, If you love big trees, either would be a treat. +1 Muir Woods. Very nice trail, i...
by oldcomputerguy
Sat Mar 25, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Advisor suggested this - Good idea?
Replies: 41
Views: 2479

Re: Advisor suggested this - Good idea?

confusedinvestor wrote:What is short term corporate ?

aristotelian wrote:I Maybe short term corporate.


He probably means short-term corporate bonds (or bond funds). Not as safe as Treasuries, but probably pay a bit better.
by oldcomputerguy
Sat Mar 25, 2017 10:05 am
Forum: Investing - Theory, News & General
Topic: Hussman doesn't view me an a true investor
Replies: 20
Views: 1711

Re: Hussman doesn't view me an a true investor

Below is from his latest commentary (implying that from a valuation perspective risk free treasuries will beat the S&P now on a long term buy and hold scenario). I respect the guy's intelligence and enjoy his doomsday writings (for entertainment). I guess I will respect his advice below and no ...
by oldcomputerguy
Sat Mar 25, 2017 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding Line 61 (Healthcare Insurance Mandate)
Replies: 2
Views: 443

Re: Avoiding Line 61 (Healthcare Insurance Mandate)

Ignoring current law (even if Washington has told someone to ignore it) is IMHO a very bad idea. I strongly suggest you consult a tax attorney about your question. In any case, speculating about government regulations is off-topic here, so I suspect this thread may be locked.
by oldcomputerguy
Sat Mar 25, 2017 6:42 am
Forum: Personal Consumer Issues
Topic: planning to visit San Francisco for a short break
Replies: 23
Views: 1414

Re: planning to visit San Francisco for a short break

If you get a free hour, you might stop by Pier 39 . Good food, a bit of shopping, and sea lion sightings. While you're in that area, go over to the Ferry Building Marketplace , good local shopping and eating. If you're driving up, and will be taking the 101, you might detour on your way up or back a...
by oldcomputerguy
Fri Mar 24, 2017 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Close taxable account?
Replies: 15
Views: 925

Re: Close taxable account?

Hi all, My wife and I think it's a good idea to sell our holdings in a taxable account (100% MSFRX) and reinvest the money in IRAs, preferably ROTHs. We only have the taxable account b/c it was a gift anyway. How do I estimate the taxes generated by the MSFRX sale? I think we are exempt from capita...
by oldcomputerguy
Fri Mar 24, 2017 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Admiral in both taxable and IRA?
Replies: 22
Views: 1636

Re: Total Stock Market Admiral in both taxable and IRA?

ray333 wrote:Is owning the same fund in 2 accounts a no no?


In my Fidelity IRA I'm holding FSTVX (Total Stock Market), and in my Vanguard taxable account I'm holding VTSAX (Total Stock Market). So not the same fund, but the same investment class. No problems.
by oldcomputerguy
Fri Mar 24, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 41
Views: 1996

Re: What online bank do you use?

Fidelity Cash Management includes checking and ATM cards, plus online bill pay. I've personally not used their checking or ATM, but I do have bill pay set up as a fallback in case something goes wonky with my normal B&M bank.

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