Search found 1639 matches

by oldcomputerguy
Thu Sep 21, 2017 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: advice on possible brokerage Link
Replies: 7
Views: 424

Re: advice on possible brokerage Link

Thanks for the replies. Yes, I double checked and their is no brokerage link fee or fee to transfer money in. We just have to have $500 minimum to use the brokerage link. From thinking through the replies, I think I will start moving money into the brokerage link and just purchase the same fidelity...
by oldcomputerguy
Thu Sep 21, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds - Ugh
Replies: 24
Views: 1373

Re: Bonds - Ugh

No. I was looking at 1-year charts and the trend is down. And the trend over time is down. You're right, that YTD looks brighter. Especially the short term you pointed me to. Still not seeing the trend. Compared to one year ago, FSITX is up 0.6%, VBFMX is up 0.4%. Anyway, you shouldn't be looking a...
by oldcomputerguy
Thu Sep 21, 2017 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: IRA to Roth conversion now (age 68) or RMD?
Replies: 29
Views: 1407

Re: IRA to Roth conversion now (age 68) or RMD?

The IRS says .... Keep reading, to the first bullet point under "Exceptions": Exceptions. You may not have to pay the 10% additional tax in the following situations. You have reached age 59½. True. But look at Figure 2-1, a little further down, a flowchart showing whether or not the 10% penalty app...
by oldcomputerguy
Thu Sep 21, 2017 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds - Ugh
Replies: 24
Views: 1373

Re: Bonds - Ugh

Isn't that fake news? No. I was looking at 1-year charts and the trend is down. And the trend over time is down. You're right, that YTD looks brighter. Especially the short term you pointed me to. Still not seeing the trend. Compared to one year ago, FSITX is up 0.6%, VBFMX is up 0.4%. Anyway, you ...
by oldcomputerguy
Thu Sep 21, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: IRA to Roth conversion now (age 68) or RMD?
Replies: 29
Views: 1407

Re: IRA to Roth conversion now (age 68) or RMD?

Unless I've misread the rules, you do not have to worry about the 5 year rule after age 59.5. The IRS says that qualified distributions must meet two requirements: (1) five years have passed after the first contribution, and (2) the distribution is made after you reach age 59-1/2. Note that both co...
by oldcomputerguy
Thu Sep 21, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 14
Views: 872

Re: VG wants everyone to transfer to a brokerage account?

There have been many threads here regarding this. I don't believe it's optional. Some have had bad experiences, some okay, I was initially put into a brokerage account when I signed up with Vanguard a couple years ago and have no issues. YMMV.
by oldcomputerguy
Thu Sep 21, 2017 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds - Ugh
Replies: 24
Views: 1373

Re: Bonds - Ugh

Looking at Vanguard bond funds to adjust my allocation. I do not see a big difference between the Total Bond Index, Intermediate Term Index (highest Morningstar Rating 4-star), Intermediate Term Investment Grade, and Intermediate Term Corporate (seems a bit better returns overall). The first questi...
by oldcomputerguy
Thu Sep 21, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Time for a new laptop?
Replies: 46
Views: 1985

Re: Time for a new laptop?

OP is looking for a new laptop. You build your own laptops? A Windows desktop is reasonable. I really like the Intel NUC. I still prefer Macbook Pros over anything Windows has to offer. Linux has limitations with what programs it can run and MacOS is based on Linux. Nitpick: no, it is not. MacOS is...
by oldcomputerguy
Thu Sep 21, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: Time for a new laptop?
Replies: 46
Views: 1985

Re: Time for a new laptop?

Could be a lot of things. Now that your previous issue was resolved, are you noticing any performance issue beyond the error messages? I hate to say it because I am not a fanboy, but you don't get that type of stuff with Apple products. Just for the sake of covering all the bases, I might point out...
by oldcomputerguy
Thu Sep 21, 2017 7:38 am
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 161
Views: 11534

Re: I won the Lottery. Need sound advice.

Goal33 wrote:
Wed Sep 20, 2017 10:21 pm
My advise is to pay off all debt including the mortgage. Fire your financial advisor and then come back here for advise with your updated situation.
^^^ This. Definitely.
by oldcomputerguy
Wed Sep 20, 2017 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Russell 3000 Index Fund [offered at Vanguard?]
Replies: 8
Views: 525

Re: Russell 3000 Index Fund [offered at Vanguard?]

What would be the advantage of a Russell 3000 fund versus a Total Market fund such as VTSAX?
by oldcomputerguy
Wed Sep 20, 2017 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: online security questions and some comments
Replies: 16
Views: 1021

Re: online security questions and some comments

Where and how do you get 2fa on your email? There are many businesses who will send your code via SMS or email - your choice, but the organization has to offer it. I have two methods of 2fa set up on my Google login; primary is Yubikey, secondary is Google Authenticator app on my iPad. I removed SM...
by oldcomputerguy
Wed Sep 20, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Help with Airline Transfer in Paris (CDG)
Replies: 11
Views: 797

Re: Help with Airline Transfer in Paris (CDG)

Note that CDG often comes in top place on the "worlds most hated airports" list... even the French hate it for the most part! I certainly remember how uncomfortable it was. The roof of the departure gate area was glass, which might be fine from a visual perspective but it had the effect of turning ...
by oldcomputerguy
Wed Sep 20, 2017 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: advice on possible brokerage Link
Replies: 7
Views: 424

Re: advice on possible brokerage Link

Your plan may be different, but when I had Brokeragelink through my Fido 401k it was considered an integral part of the 401k plan, not a separate brokerage account. I know Fidelity charges $4.95 generally for non-Fidelity purchases, but there are a boatload of commission-free funds you can buy at Fi...
by oldcomputerguy
Wed Sep 20, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Pulling out same-year contributions from ROTH IRA
Replies: 2
Views: 196

Re: Pulling out same-year contributions from ROTH IRA

According to rothira.com, she can pull out up to the exact amount of her contributions (but NOT any earnings resulting therefrom) at any time without penalty.
by oldcomputerguy
Wed Sep 20, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Does bid-ask spread matter with automatic reinvestment?
Replies: 14
Views: 613

Re: Does bid-ask spread matter with automatic reinvestment?

I believe it does. According to Vanguard , they re-invest dividends using market orders, which I believe will be subject to bid-ask spreads. (You didn't mention, but I assume you hold this ETF at Vanguard.) Thanks for the link. There is NO bid/ask spread at the opening cross when Vanguard executes ...
by oldcomputerguy
Wed Sep 20, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Does bid-ask spread matter with automatic reinvestment?
Replies: 14
Views: 613

Re: Does bid-ask spread matter with automatic reinvestment?

Please forgive the noob question, but does bid-ask spread matter with automatic reinvestments of ETFs? I believe it does. According to Vanguard , they re-invest dividends using market orders, which I believe will be subject to bid-ask spreads. (You didn't mention, but I assume you hold this ETF at ...
by oldcomputerguy
Wed Sep 20, 2017 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Please help with evaluation of whole life and term from Northwest mutual.
Replies: 15
Views: 1208

Re: Please help with evaluation of whole life and term from Northwest mutual.

If you guys would believe it, during my residency training, the hospital arranged NWM to come in and give us a presentation/lecture on this. When your working 90 hr weeks and barely sleeping, when you hear their pitch, it does sound like the best idea and only natural course of action. Ah. Sleep de...
by oldcomputerguy
Wed Sep 20, 2017 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Do you pay for credit monitoring?
Replies: 25
Views: 1108

Re: Do you pay for credit monitoring?

Yes, $12.99/mo. It gives me 2 features that I can't get for free and that I need at the moment: 1)quarterly full credit reports from all 3 bureaus, 2)instant notification of activity at those 3 bureaus (which I tested, and it works). If you get "instant" notification from Equifax, then you're getti...
by oldcomputerguy
Tue Sep 19, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4033

Re: Costco vs sams club vs neither.

It sounds like a lot may have changed since your previous experience with wholesale clubs. Both now generally accept major credit cards. Costco only accepts Visa . A Visa card is not that hard to own, odds are that someone with several cards in their possession has at least one. If not, cash always...
by oldcomputerguy
Tue Sep 19, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4033

Re: Costco vs sams club vs neither.

N1CKV wrote:
Tue Sep 19, 2017 3:19 pm
It sounds like a lot may have changed since your previous experience with wholesale clubs.
Both now generally accept major credit cards.
Costco only accepts Visa.
by oldcomputerguy
Tue Sep 19, 2017 3:02 pm
Forum: Investing - Theory, News & General
Topic: Any "average Joe" here actually make out well with individual stocks?
Replies: 60
Views: 5325

Re: Any "average Joe" here actually make out well with individual stocks?

Pure luck, I bought some Intel right after the Pentiun "divide bug" came about. Sold it a few months later, made a few bucks.

Since then... Nope.
:(
by oldcomputerguy
Tue Sep 19, 2017 6:11 am
Forum: Personal Finance (Not Investing)
Topic: Getting over emotional attachment to house
Replies: 70
Views: 5409

Re: Getting over emotional attachment to house

I'm not in your situation so I can't give explicit advice on whether you should move. We're in what we consider our "dream house", purchased twenty years ago, it's paid for, and we have no intention of moving out. I do sympathize a bit, though, perhaps vicariously. We lost DW's mom about three years...
by oldcomputerguy
Tue Sep 19, 2017 5:55 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 74
Views: 3646

Re: Bogleheads you would most like to meet and why?

Taylor Larimore - really enjoy and appreciate the wisdom of his posts, but more than that, he sounds like an incredibly interesting person and one who is genuinely nice, he seems to live life to the fullest, and comes across as truly respectful of others Could not have said it better myself, except...
by oldcomputerguy
Mon Sep 18, 2017 2:12 pm
Forum: Investing - Theory, News & General
Topic: What is the main purpose of rebalancing?
Replies: 56
Views: 3805

Re: What is the main purpose of rebalancing?

That said, I'm somewhat surprised this is coming off as even somewhat controversial. I remember reading this adage in relation to re-balancing in more than one book on the Bogleheads reading list over the years. Indeed, it's discussed in "The Bogleheads' Guide to Investing" (in the section "Why Reb...
by oldcomputerguy
Mon Sep 18, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Experian takes money but doesn't Freeze
Replies: 12
Views: 1243

Re: Experian takes money but doesn't Freeze

I had no difficulty with Experian, I have a printed receipt and PIN from them from when we froze our accounts. Of course I did this back in January of last year, before the demand for freezing accounts hit (what I'm betting is) an all-time high.
by oldcomputerguy
Mon Sep 18, 2017 12:03 pm
Forum: Investing - Theory, News & General
Topic: What is the main purpose of rebalancing?
Replies: 56
Views: 3805

Re: What is the main purpose of rebalancing?

As a side benefit, selling your outperformers and buying underperformers is the definition of "buy low / sell high", the formula for making money in the market. :wink: It takes a lot of proving to show that rebalancing actually does any such thing. The actual effect of rebalancing in the long term ...
by oldcomputerguy
Mon Sep 18, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: LastPass Issue
Replies: 10
Views: 1014

Re: LastPass Issue

A follow-up to this, as I was sitting here reading a book using Kindle Cloud Reader under Chrome, all of a sudden I was inexplicably thrown out of the Kindle Reader app and over to the login screen. Once I logged back in, I was returned exactly to where I had left off in the book I had been reading....
by oldcomputerguy
Mon Sep 18, 2017 9:45 am
Forum: Investing - Theory, News & General
Topic: What is the main purpose of rebalancing?
Replies: 56
Views: 3805

Re: What is the main purpose of rebalancing?

All main U.S. stock indexes are reaching historic new highs, and bond indexes are dropping. It seems to be a good time to rebalance. However, it is painful to sell the winners and buy the losers. So what is the main purpose of rebalancing? Is it preserving the stability of a portfolio, or increasin...
by oldcomputerguy
Mon Sep 18, 2017 9:14 am
Forum: Investing - Theory, News & General
Topic: International Equity: Are managed funds better than Index funds?
Replies: 35
Views: 2096

Re: International Equity: Are managed funds better than Index funds?

So is Morningstar just a useless company making money on people's ignorance, in the opinion of the Bogleheads? No, Morningstar provides much more information than just star ratings. But the star rating system is not intended to predict future returns, it is rather an indication of past performance....
by oldcomputerguy
Mon Sep 18, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: LastPass Issue
Replies: 10
Views: 1014

Re: LastPass Issue

I've noticed that happening every now and again with chromebook. I don't know if it's a factor of minor chrome updates or not but it only happens every once in a while and normally once I log back in it doesn't need to be done again. A similar thing happens to me every time Google issues updates fo...
by oldcomputerguy
Mon Sep 18, 2017 8:39 am
Forum: Investing - Theory, News & General
Topic: Good books for bond investing?
Replies: 16
Views: 1140

Re: Good books for bond investing?

There's a book by Rick Van Ness that might be what you're looking for. It's titled "Why Bother With Bonds?". There's a whole section titled "Are CD's Better Than Bonds?", and another titled "Indivudal Bonds or a Bond Fund?". It's available in paperback and Kindle versions.
by oldcomputerguy
Mon Sep 18, 2017 6:14 am
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend this month."
Replies: 17
Views: 3000

Re: "Find out if your fund is declaring a quarterly dividend this month."

I wish there was some easy-to-find link to latest version of this page on the Vanguard site every quarter. From the home page, "News & Perspectives", then "News & Views". Usually appears about the 11th of end of quarter month. Here's where I found it: https://investornews.vanguard/topics/fund-news/
by oldcomputerguy
Mon Sep 18, 2017 5:28 am
Forum: Investing - Theory, News & General
Topic: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"
Replies: 33
Views: 4745

Re: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"

Grt2bOutdoors wrote:
Sun Sep 17, 2017 5:30 pm
Please, please, please let there be a crash, I like buying my steaks 50% off! I will sell my potatoes to fund my purchase of protein.
I'm gonna print that out, frame it, and hang it on my office wall :!: :!:

:beer
by oldcomputerguy
Sat Sep 16, 2017 6:07 am
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit Report - Effect on Auto Insurance
Replies: 11
Views: 2401

Re: Freezing Credit Report - Effect on Auto Insurance

I recently froze my credit file at all the credit reporting agencies after the Equifax fiasco. I have since read several reports from people who froze their credit reports in the past and had their auto insurance premiums increase. It seems their premiums were partly based upon their credit scores ...
by oldcomputerguy
Sat Sep 16, 2017 5:36 am
Forum: Investing - Help with Personal Investments
Topic: Should I dump (W)Hole Life Insurance and Variable Insurance
Replies: 14
Views: 975

Re: Should I dump (W)Hole Life Insurance and Variable Insurance

If you can afford to have the cash tied up for awhile (2 decades) and are otherwise maxing out your other tax advantaged investments, whole life insurance is actually a very interesting approach over a long term. It offers some unique tax advantages returns within the policy that can be hard to rea...
by oldcomputerguy
Fri Sep 15, 2017 10:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3943
Views: 1036198

Re: U.S. stocks in freefall

This is ridiculous. I have no losses to harvest. This market is going to put me in a higher tax bracket. :P I have one... the single individual stock I own in my play money. First Hawaiian Bank dropped ten percent while the rest of the market rose. Go figure. Oh well, I needed to offset some capita...
by oldcomputerguy
Fri Sep 15, 2017 7:14 am
Forum: Personal Consumer Issues
Topic: Free credit monitoring for AAA members
Replies: 15
Views: 1536

Re: Free credit monitoring for AAA members

tennisplyr wrote:
Fri Sep 15, 2017 7:05 am
Just got an email from AAA where it offers free credit monitoring for its members. Anyone use this?
I'm not a AAA member but I am curious, do they say whose monitoring services will be used?
by oldcomputerguy
Thu Sep 14, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Is True-identity lock enough or credit freeze is better
Replies: 7
Views: 1589

Re: Is True-identity lock enough or credit freeze is better

I subscribed for years to Equifax's alerting service. I always found them to be pitifully slow, i.e. an event would happen that I had set up an alert for but the alert would reach me a week or two after the fact. I finally froze with the big 3 and dropped the Equifax service. (Their service was not ...
by oldcomputerguy
Thu Sep 14, 2017 6:46 am
Forum: Personal Consumer Issues
Topic: Vacation after minor hurricane?
Replies: 25
Views: 1882

Re: Vacation after minor hurricane?

Well, life throws you lemons sometimes. Got out of bed at Oh-Dark-thirty to make our departing flight to Charlotte then on to MBJ. Airline web site showed departing and connecting flights both running on time, airline app notification an hour before boarding showed all well, so we went to the airpo...
by oldcomputerguy
Thu Sep 14, 2017 5:28 am
Forum: Personal Consumer Issues
Topic: Air Berlin fiasco
Replies: 5
Views: 728

Re: Air Berlin fiasco

Wife and I are supposed to be leaving Boston to Florence on Air Berlin Saturday. The company in in bankruptcy and pilots are calling in sick in large numbers. Our outbound flight has been cancelled the past two days and the return flight looks to be permanently cancelled. That is, the route will no...
by oldcomputerguy
Wed Sep 13, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: What If U.S. Stocks Stay Expensive For Years?
Replies: 50
Views: 6833

Re: What If U.S. Stocks Stay Expensive For Years?

If 4% is the worst case scenario, it sounds pretty good to me. On the other hand, cheap EM stock index funds are up 30% YTD. Yep. And I just did a bit of poking around, looks like MSCI EAFE Index is up around 17% YTD vs 13% for S&P500. On the other hand, according to data on the FTSE web site, Russ...
by oldcomputerguy
Wed Sep 13, 2017 5:50 am
Forum: Investing - Theory, News & General
Topic: What If U.S. Stocks Stay Expensive For Years?
Replies: 50
Views: 6833

Re: What If U.S. Stocks Stay Expensive For Years?

flyingaway wrote:
Mon Sep 11, 2017 10:36 am
Apart from the exact number (4% real return), I think this line of thinking makes sense, which is what I have in my mind.

OTOH, 4% real is good for me. I was expecting 3% for stocks, and 0% for bonds.
Same here. My budget plan in retirement was built using an assumption of 2% nominal.
:beer
by oldcomputerguy
Wed Sep 13, 2017 5:47 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 306
Views: 15599

Re: Iphone X is $1000

2 year contract works out to be about $1.37 per day for this Apple X phone. Water bill, on average, is about $1.39 per day for me. Cup of black coffee at the local coffee shop is $1.50 per day for me. Keeping my haircut works out, on average, to cost me $1.62 per day (based on 12 cuts per year incl...
by oldcomputerguy
Wed Sep 13, 2017 5:30 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 306
Views: 15599

Re: Iphone X is $1000

The Samsung Galaxy J3 I'm currently using cost me $100 through Consumer Cellular, and it does everything I need it to do and more. No, thanks.
by oldcomputerguy
Tue Sep 12, 2017 3:57 pm
Forum: Investing - Theory, News & General
Topic: Golden Ratio (also in Bogleheads logo) Fibonacci
Replies: 27
Views: 2376

Re: Golden Ratio (also in Bogleheads logo) Fibonacci

spdoublebass wrote:
Tue Sep 12, 2017 3:34 pm
barnaclebob wrote:
Tue Sep 12, 2017 3:19 pm
Why not Pi, e, or any other irrational number?
off the top of my head, those irrational numbers aren't found as often in life.
Pi is found in each and every circle in existence. How can that be construed as "not as often"?
by oldcomputerguy
Tue Sep 12, 2017 5:15 am
Forum: Personal Finance (Not Investing)
Topic: Will you get to see business financial data by being an accountant?
Replies: 18
Views: 1247

Re: Will you get to see business financial data by being an accountant?

I don't know of any other job that can allow you to see a wide variety of business finances openly. What are the best jobs that allow one to do this? Not sure I'm clear on what you're asking about. If you're wanting to see the minutiae of the business' finances, you probably will never do so, most ...
by oldcomputerguy
Mon Sep 11, 2017 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: ROI [which funds have the best returns last 20 years?]
Replies: 6
Views: 646

Re: ROI [which funds have the best returns last 20 years?]

I don't know if this has been disgust yet I'm sure it has but I wasn't able to find it. What specific funds out there are giving the best ROI for the last 20 years (loads and fees included)? What tools can I use to find this info myself? Also I have no idea what loads and fees are and how they are ...
by oldcomputerguy
Mon Sep 11, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: Another battery question
Replies: 25
Views: 2153

Re: Another battery question

Back in July I posted a question as to why I needed 3 auto batteries in less than five years. Based on the many responses I concluded that lack of use of my vehicle was the cause of the short battery life. I am retired and my 2003 Ford Ranger sits in the driveway most of the time. To correct this l...
by oldcomputerguy
Mon Sep 11, 2017 1:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 82
Views: 17202

Re: Vanguard's new security key option

I'll third that. I never, ever do financial stuff on a Windows box. Too many drive-by malware incidents in the past, and I fear key loggers. That said, they claim the yubikey works on Linux and Mac. Don't know about Linux, but it works perfectly well on my Mac. Works on Linux too. Just upgraded my ...