Search found 2906 matches

by oldcomputerguy
Fri Jun 22, 2018 1:28 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 105
Views: 19046

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

Just got an email from Amazon: We now have delivery date(s) for the order you placed on March 16, 2018 (Order# xxxxxxxxxx): Larimore, Taylor "The Bogleheads' Guide to the Three-Fund Portfolio: How a Simple Portfolio of Three Total Market Index Funds Outperforms Most Investors with Less Risk" Estimat...
by oldcomputerguy
Fri Jun 22, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: 3 nights in Vegas
Replies: 31
Views: 1346

Re: 3 nights in Vegas

I'm also spending 3 nights in Vegas, at the Paris Hotel and Casino. We are not huge gamblers but will probably blow a months worth of BND dividends, lol. Will spend time at the pool, eating out, and people watching. Would like to do a show but nothing has really caught my fancy so far. We saw Cirqu...
by oldcomputerguy
Fri Jun 22, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: 3 nights in Vegas
Replies: 31
Views: 1346

Re: 3 nights in Vegas

The Blue Man Group is a fun show. So is Terry Fator or any of the Cirque shows. It seems like they have one in each resort. La Reve at the Wynn/Encore is really good. IMHO the most spectacular Cirque show in Vegas is Ka at the MGM. I also recommend Blue Man Group (although BMG would be the only rea...
by oldcomputerguy
Fri Jun 22, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: 3 nights in Vegas
Replies: 31
Views: 1346

Re: 3 nights in Vegas

itsgot8 wrote:
Fri Jun 22, 2018 9:02 am
Whoever said The Flamingo is a dump is mostly correct.
Only reason I would go to Flamingo is to grab a cheeseburger and beverage at Margaritaville.
:beer
by oldcomputerguy
Fri Jun 22, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: 3 nights in Vegas
Replies: 31
Views: 1346

Re: 3 nights in Vegas

Uber from airport to hotel on strip. Taxi from hotel to airport. This is specific. Is that just how it worked out for you, or is there a pearl of wisdom to this? Just a guess on my part... airport to hotel, time is not a factor. Hotel to airport, you’re under time constraint typically, and taxis ar...
by oldcomputerguy
Fri Jun 22, 2018 8:38 am
Forum: Investing - Theory, News & General
Topic: Factor Investing Makes Someone Money, But Maybe Not You
Replies: 42
Views: 2267

Re: Factor Investing Makes Someone Money, But Maybe Not You

I am confused. Bernstein states that as soon as the factors are known they are acted upon and bid up, thus reducing their advantage. But couldn't I say the same thing about index funds? They've become so popular that people keep on buying them without regard to price they are paying for the underly...
by oldcomputerguy
Fri Jun 22, 2018 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International Fund
Replies: 15
Views: 1372

Re: Vanguard Total International Fund

Over these many years, I have heard that an investor should avoid Indexed International Equity Funds as the Total International Stock Fund at Vanguard. Unfortunately, I did not follow the advice. Managed International Equity Funds are preferred. And so, I should have chosen the International Growth...
by oldcomputerguy
Fri Jun 22, 2018 7:57 am
Forum: Investing - Help with Personal Investments
Topic: ETFs
Replies: 7
Views: 296

Re: ETFs

Can you tell me if my portfolio of ETFs is diversified enough or are any overlapping and not necessary? Any suggestions would be appreciated. Thanks. Well, I don't see anything that I would pull out my (non-existent) hair over, but I would note a couple of things. On the whole, this seems to be mor...
by oldcomputerguy
Fri Jun 22, 2018 6:59 am
Forum: Investing - Theory, News & General
Topic: Do you invest in Real Estate ? Why ?
Replies: 55
Views: 4706

Re: Do you invest in Real Estate ? Why ?

I have a paid-for house as my primary residence. Outside of that, the only RE I have any investment in is whatever is in Total Stock Market index funds. I see no need for anything else. What about bonds? Why only stock? I do have bonds, as a matter of fact I'm 50/50. I meant that the only portion o...
by oldcomputerguy
Fri Jun 22, 2018 6:20 am
Forum: Investing - Help with Personal Investments
Topic: Bar Mitzvah Money Investing Ideas
Replies: 20
Views: 1439

Re: Bar Mitzvah Money Investing Ideas

Vanguard Total Stock Market fund If you need a second, Vanguard Total International (50/50 or 55/ 45 US/ International). If we are feeling really racy, 40% Vanguard Total Stock Market, 20% Vanguard Small Cap Value (US), 40% Vanguard International All 3 strategies are about going to the casino and p...
by oldcomputerguy
Fri Jun 22, 2018 6:16 am
Forum: Investing - Help with Personal Investments
Topic: Bar Mitzvah Money Investing Ideas
Replies: 20
Views: 1439

Re: Bar Mitzvah Money Investing Ideas

Since the account is at Fidelity, you might check FFNOX Fidelity Four-In-One Index Fund. It's low-cost (0.11% ER), the asset allocation is 85/15 stock/bond with a 70/30 domestic/international equity split. It's IMO a good three-fund choice. (The fund is "four-in-one" rather than "three-in-one" becau...
by oldcomputerguy
Thu Jun 21, 2018 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: is Ed Jones always bad news?
Replies: 28
Views: 2799

Re: is Ed Jones always bad news?

This is likely a rhetorical question I am guessing, but -- does EJ offer any low-cost index funds? I've never heard of EJ recommending index funds, but I suppose it's not impossible. Most often, when I read about EJ investing someone in mutual funds, it's been in American Funds offerings. You can f...
by oldcomputerguy
Wed Jun 20, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: Amazon Fire TV Cube
Replies: 6
Views: 541

Re: Amazon Fire TV Cube

The Cube looks interesting. Continuing to add features. I note Amazon is releasing a new FireTV virtually each year. Built in obsolescence with a pretty high price point. One of my kids was watching a Netflix series for younger people. The main character was "Alexa". They said the name over and ove...
by oldcomputerguy
Wed Jun 20, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: The Current Market
Replies: 22
Views: 1670

Re: The Current Market

The market peaked in late January of this year only to get hammered in early February. Since then the market has kind of yo-yo'ed up and down in loss territory for the last 4 months. I've been in the market for a number of years and I've not seen anything quite like this constant up and down over s...
by oldcomputerguy
Wed Jun 20, 2018 8:40 am
Forum: Investing - Help with Personal Investments
Topic: When is the June ex-dividend date for VTSAX
Replies: 29
Views: 2522

Re: When is the June ex-dividend date for VTSAX

Sorry if this is a dumb question, but can you help me understand when the dividend would be paid if new shares are being bought? The ex-dividend date is the one to watch. https://www.investopedia.com/terms/e/ex-dividend.asp A stock trades ex-dividend on or after the ex-dividend date (ex-date). If a...
by oldcomputerguy
Wed Jun 20, 2018 5:51 am
Forum: Investing - Help with Personal Investments
Topic: 9 Mutual Funds Asset Allocation Help
Replies: 23
Views: 1274

Re: 9 Mutual Funds Asset Allocation Help

So my question is, the IMCA-RC representative wanted to know why I changed what his company recommended, to the 3 fund portfolio? Could you help me give him a good answer and to make me feel more comfortable with the dramatic change (maybe a good teaching point for the rep. also :)? Or am I way off...
by oldcomputerguy
Tue Jun 19, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 124
Views: 6562

Re: gray hair

Most of my hair is gone now, a victim of male pattern baldness. What little remains is dingy gray varying to white. I don't care. I have never considered dying my hair at any point. Nor have I ever considered any "remedy" for baldness. I earned my gray air / baldness; I'll wear it proudly. As Robert...
by oldcomputerguy
Tue Jun 19, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Marriott hotels using Alexa/Echo in guest rooms?
Replies: 33
Views: 2623

Re: Marriott hotels using Alexa/Echo in guest rooms?

I have a few Echo Dot devices around the home. These devices all have a button on top that will mute the microphone until manually un-muted via a second button push. Of course, this doesn't necessarily mean Big Brother can't still listen, but it does prevent Alexa from waking up, so it might be a fi...
by oldcomputerguy
Tue Jun 19, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Marriott hotels using Alexa/Echo in guest rooms?
Replies: 33
Views: 2623

Re: Marriott hotels using Alexa/Echo in guest rooms?

Jack FFR1846 wrote:
Tue Jun 19, 2018 7:36 am
cheese_breath wrote:
Tue Jun 19, 2018 7:22 am
There better be a way to turn those things off when you don't want them listening. :D :D :D :D :D
Into the microwave for 30 seconds. Yes, it works and yes, I've done this with electronic devices before.
If you could put it into the microwave, why not just unplug it?
by oldcomputerguy
Tue Jun 19, 2018 8:17 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1434765

Re: Anyone buying today?

My normal plan per my IPS is to check twice a year (January and July) and rebalance if +/- 5%. Check back with me next month.
by oldcomputerguy
Mon Jun 18, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 49
Views: 3168

Re: "distilled" water for wife's CPAP machine

My wife uses a CPAP machine at night and the one she uses has a container for water. She buys "distilled" water. Before I suggest this to her - I wonder if the condensed water from a dehumidifier might be satisfactory as a "free" alternative? No. The reservoir chamber on the dehumidifier is not ste...
by oldcomputerguy
Mon Jun 18, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Idle debit/credit cards closed or downgraded?
Replies: 9
Views: 744

Re: Idle debit/credit cards closed or downgraded?

Thanks. The lower credit limit really won't impact our use of the card for travel, it just struck me as coincidental that these two happened fairly closely to each other, and I was curious.
by oldcomputerguy
Mon Jun 18, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: My first CP2000 letter from IRS! Am I missing something?
Replies: 23
Views: 3524

Re: My first CP2000 letter from IRS! Am I missing something?

Nice to hear a happy ending to an IRS story. Thanks for the follow-up.
:sharebeer
by oldcomputerguy
Mon Jun 18, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Idle debit/credit cards closed or downgraded?
Replies: 9
Views: 744

Idle debit/credit cards closed or downgraded?

I've had a couple of interesting communications lately that I wanted to share. These both regard cards that typically are not used except when travelling, otherwise they stay in the safe at home. We have a Fidelity Cash Management account, with my wife and I each having an associated debit/ATM card....
by oldcomputerguy
Mon Jun 18, 2018 9:25 am
Forum: Investing - Theory, News & General
Topic: I-bonds look pretty bad right now
Replies: 40
Views: 4991

Re: I-bonds look pretty bad right now

jeffreyscott, thanks for the explanation. What I wasn’t getting was that you were talkng about after-tax returns.
by oldcomputerguy
Mon Jun 18, 2018 7:46 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 93
Views: 8287

Re: Very confused with the current market

FOGU wrote:
Sun Jun 17, 2018 4:50 pm
Just downloaded the free Kindle version. I was looking for a new book. A new free book. Thank you for the citation.
Ditto.
by oldcomputerguy
Mon Jun 18, 2018 7:39 am
Forum: Investing - Theory, News & General
Topic: I-bonds look pretty bad right now
Replies: 40
Views: 4991

Re: I-bonds look pretty bad right now

Hello, Today I calculated how long I'd have to wait if I wanted to make a positive real return with I-bonds. The return rate for an I-bond is CPI plus a fixed rate, deferred until you cash the I-bond. Then you pay federal tax but not state and local taxes. You cannot hold an I-bond longer than 30 y...
by oldcomputerguy
Mon Jun 18, 2018 7:24 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 93
Views: 8287

Re: Very confused with the current market

1990-2000-2008 all most every ten years You're depending on a twenty-year time period to extrapolate a general law. Take a look at this graph from macrotrends.net. It shows the history of the S&P 500 back to 1927. It's pretty obvious that there is no ten-year cycle (or any other regular pattern) in...
by oldcomputerguy
Mon Jun 18, 2018 6:21 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 107
Views: 8135

Re: How much (green) cash at home for emergency ?

We have $1,000 in $20 bills sitting in our home safe, in case something goes badly wrong with the credit card network that impacts grocery stores. (It helps DW sleep at night. :wink: )
by oldcomputerguy
Mon Jun 18, 2018 6:14 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 93
Views: 8287

Re: Very confused with the current market

I remember Warren buffet once said: buy the dips and value investing. Here's what Warren Buffet tells individual investors : Buffett is a proponent of index funds as a way to boost long-term investments, such as retirement savings. "Consistently buy an S&P 500 low-cost index fund," he told CNBC's O...
by oldcomputerguy
Sun Jun 17, 2018 11:12 am
Forum: Investing - Theory, News & General
Topic: Why is risk adjusted return important?
Replies: 35
Views: 2487

Re: Why is risk adjusted return important?

You have, or should have, some idea of how much risk you are willing to take. There ought to be some limit. Risk should be factoring into your decision in some way. Surely, you would not invest in a stock market fund with a fluctuating return averaging 10%, if you could get riskless bank account th...
by oldcomputerguy
Sun Jun 17, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 154
Views: 7312

Re: Which Supermarket are you?

For years I've shopped at Food City (decent prices, close to home). Since retiring, I've joined a local YMCA / gym, and sometimes will stop on the way home from the gym at Publix. Frankly, Publix has much better quality produce than Food City's, and Publix carries a somewhat larger variety of non-be...
by oldcomputerguy
Sun Jun 17, 2018 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Tracking spending before retirement useful for estimating retirement expenses?
Replies: 72
Views: 4002

Re: Tracking spending before retirement useful for estimating retirement expenses?

I think of our pre-retirement expenses as a baseline for our retirement expenses (now semi-retired). Once you have the baseline, then you make adjustments based on how your life will change once you are retired. Exactly what I did. I built a spreadsheet with a tab for "current budget", then one tab...
by oldcomputerguy
Sat Jun 16, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Early termination of Cable + Internet
Replies: 10
Views: 1202

Re: Early termination of Cable + Internet

You can remove the TV portion of cable and just use the internet... Not always true. I used to subscribe to Adelphia cable internet years ago, and they were quite cool about selling me just internet service, However, when Adelphia went under and was bought by Comcast, that changed. I noticed one mo...
by oldcomputerguy
Sat Jun 16, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Investment book recommendations?
Replies: 12
Views: 1002

Re: Investment book recommendations?

The Bogleheads Guide to Investing (the link takes you there via the Bogeheads "support this site" link)
by oldcomputerguy
Sat Jun 16, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: Cash question
Replies: 14
Views: 1261

Re: Cash question

Ally?
by oldcomputerguy
Sat Jun 16, 2018 7:49 am
Forum: Investing - Help with Personal Investments
Topic: I feel like selling my 3 fund
Replies: 57
Views: 7329

Re: I feel like selling my 3 fund

Definitely do not want to become the whipping post, I would feel every lash on that thread. Thank You for all the feedback, Im taking it all into consideration. I just wanted to diversify a bit but the 3 fund is really diversified enough isn't it. It really is. By holding VTSAX and VTIAX, you're in...
by oldcomputerguy
Fri Jun 15, 2018 5:00 pm
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.60%
Replies: 180
Views: 29310

Re: Ally online savings now at 1.65%

Just got an email, Ally savings accounts now at 1.65%
by oldcomputerguy
Fri Jun 15, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: ownership at Ally
Replies: 7
Views: 614

Re: ownership at Ally

Don't know about checking (don't have a checking account at Ally), but we are joint owners of our Ally savings account.
by oldcomputerguy
Fri Jun 15, 2018 2:05 pm
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 11113

Re: Which boglehead rule do you break--and are ok with

I confess that we are not completely innocent of transgression. 9 Invest with simplicity I'm afraid that our portfolio (taking my holdings and DW's together) is more complicated than I would prefer. While I am straight Boglehead, with Three-Fund in my IRA and VTSAX and VTIAX in taxable, DW has (IMHO...
by oldcomputerguy
Fri Jun 15, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Upping federal withholding allowances didn't work?
Replies: 15
Views: 1199

Re: Upping federal withholding allowances didn't work?

Using this as in the past as something akin to an estimate of taxes to be owed is going to cause people with lots of kids serious problems, unless changes to child tax credits somehow compensate for the loss of the personal exemption for dependent children. Absolutely this is something that warrant...
by oldcomputerguy
Fri Jun 15, 2018 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Company 401(k) Actually Better Than IRA? (Fidelity)
Replies: 6
Views: 451

Re: Company 401(k) Actually Better Than IRA? (Fidelity)

I'm fairly certain (was told in another thread recently) that you cannot roll a Roth IRA into a Roth 401K. https://www.irs.gov/retirement-plans/retirement-plans-faqs-regarding-iras-rollovers-and-roth-conversions seems to agree on that part. Agreed. This is further substantiated by this IRS chart . ...
by oldcomputerguy
Fri Jun 15, 2018 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Company 401(k) Actually Better Than IRA? (Fidelity)
Replies: 6
Views: 451

Re: Company 401(k) Actually Better Than IRA? (Fidelity)

Does the new employer's 401(k) include a Roth 401(k) option? If so, absolutely roll over to the employer's plan. You won't ever again find an S&P500 fund at 0.01%. That said, there's nothing wrong with rolling the Roth portion of your old 401(k) over to a Roth IRA if you want. The 0.035% ER of FSTVX...
by oldcomputerguy
Fri Jun 15, 2018 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Quick question about vangaurd settlement fund
Replies: 4
Views: 414

Re: Quick question about vangaurd settlement fund

Gains in the settlement account are reported on your year-end 1099-DIV as non-qualified dividends, which are taxed as regular income just like interest payments from a bank.
by oldcomputerguy
Fri Jun 15, 2018 5:27 am
Forum: Investing - Theory, News & General
Topic: Diversified portfolio but still too much Apple, Microsoft, etc.
Replies: 13
Views: 1435

Re: Diversified portfolio but still too much Apple, Microsoft, etc.

Oddball wrote:
Tue Jun 12, 2018 1:42 pm
So basically I am wondering if there are large cap funds which exclude say the top 10 or 20 holdings.
Why would you want to? Those larger holdings account for larger portions of the economy and of the total return of the market.
by oldcomputerguy
Thu Jun 14, 2018 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 11469

Re: Stay the course

Taylor Larimore wrote:
Sun Jun 10, 2018 9:23 pm
Bogleheads:

Each year I sell shares of my Total Bond Market Index Fund in my IRA to meet RMD (Required Minimum Distributions). I reinvest the proceeds in my taxable S&P 500 fund. That's my trading.
So, sir, you are actually increasing risk exposure with the passage of time?
by oldcomputerguy
Thu Jun 14, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Upping federal withholding allowances didn't work?
Replies: 15
Views: 1199

Re: Upping federal withholding allowances didn't work?

Under the new tax law, there are no longer any personal exemptions, just a larger standard deduction, so changing the number of dependents should have no effect on withholding. You can no longer claim a deduction for exemptions when filing. You can still enter a figure for withholding allowances on...
by oldcomputerguy
Thu Jun 14, 2018 5:28 am
Forum: Investing - Help with Personal Investments
Topic: Callable bond- maintain or take loss?
Replies: 32
Views: 1693

Re: Callable bond- maintain or take loss?

Re holding CDs to maturity: Am I looking at this right? in 6 years, at age 70 1/2 I see where one is required to start withdrawing from IRA. I found online calculator and entered estimate portfolio at $85,000 w/age at age 64 today. Said I would need to withdraw around $3,000 year. Is this estimate ...