Search found 1482 matches

by oldcomputerguy
Sat Jul 22, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 34
Views: 1102

Re: Is Amazon Prime worth it?

For my money, you're not missing anything, Amazon Prime isn't worth the expense and hassle.
by oldcomputerguy
Sat Jul 22, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Commuters (that drive), what do you listen to?
Replies: 43
Views: 1250

Re: Commuters (that drive), what do you listen to?

I will be starting a new job soon that will be ~35-40min commute. [...] When I was younger I would just listen to music, but I would rather take the time to learn something or improve in some way rather than mindlessly listen to music. Will you be driving, or riding mass transit? The trouble with t...
by oldcomputerguy
Sat Jul 22, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: Commuters (that drive), what do you listen to?
Replies: 43
Views: 1250

Re: Commuters (that drive), what do you listen to?

Podcasts - Planet Money, PBS Newshour, Fresh Air, Car Talk, Wait Wait Don't Tell Me, America's Test Kitchen, Milk Street with Christopher Kimball (cooking). I also used to listen to Car Talk every week, but when Tommy died and they shut the show down and went to straight re-runs, I couldn't bring m...
by oldcomputerguy
Sat Jul 22, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Commuters (that drive), what do you listen to?
Replies: 43
Views: 1250

Re: Commuters (that drive), what do you listen to?

Well, since I'm a member of the Bogleheads Retirement Class of 2017, I don't commute anymore. But when I do get out driving around on various errands, I listen to my iPod playing out through my truck radio/cassette player (yep, it's official, I'm old) playing various podcasts from NPR, usually eithe...
by oldcomputerguy
Fri Jul 21, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: if spreadsheet with account balances goes to hackers?
Replies: 11
Views: 902

Re: if spreadsheet with account balances goes to hackers?

Hi, I have a spreadsheet with brokerage, investment (cusip, ticker), amount and a bunch of characteristics of the investment. I don't have account numbers, passwords, etc. stored in the spreadsheet. For ease of sharing, I'd prefer to store unencrypted on google drive (I do have encryption software ...
by oldcomputerguy
Fri Jul 21, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: AnnualCreditReport Equifax
Replies: 25
Views: 1145

Re: AnnualCreditReport Equifax

A few months ago I froze my accounts at all three reporting agencies, and terminated my Equifax membership. They frankly had done nothing to warrant being paid (whenever legitimate activity on my credit card caused what should have been an alert, Equifax lagged several months behind the event before...
by oldcomputerguy
Fri Jul 21, 2017 10:23 am
Forum: Investing - Theory, News & General
Topic: Money Managed
Replies: 5
Views: 302

Re: Money Managed

Not really sure what you mean by "ahead" or by "money managed".
by oldcomputerguy
Fri Jul 21, 2017 5:05 am
Forum: Investing - Help with Personal Investments
Topic: Designed an aggressive 20 year portfolio. Thoughts?
Replies: 24
Views: 1920

Re: Designed an aggressive 20 year portfolio. Thoughts?

Thanks again for the information! My second big question is, how much do you manage your portfolio? Do you adjust seasonally or by other factors? How do you know how to counteract certain forces? Determine your desired allocation percentage to each fund. Once a year, look at your portfolio, and if ...
by oldcomputerguy
Fri Jul 21, 2017 4:57 am
Forum: Investing - Theory, News & General
Topic: Cryptocurrencies
Replies: 43
Views: 2399

Re: Cryptocurrencies

No way will I risk any of my retirement nest egg in this.
by oldcomputerguy
Thu Jul 20, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 142
Views: 5330

Re: Can anyone convince me I need international stock in my portfolio?

You don't need it, Bogle himself repeatedly recommends we don't do it, and you should not be convinced by arguments that require you to believe past performance is a key indicator of future results. Has Mr. Bogle actually said "don't invest in international"? It was always my understandin...
by oldcomputerguy
Thu Jul 20, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Considering pension plan in asset allocation
Replies: 37
Views: 1370

Re: Considering pension plan in asset allocation

Question: Should I consider the pension when determining my 80/20 allocation? If so, how? Do I consider it a "bond"? If it were me, I would consider it in the light of how well my pension will cover my eventual living expenses in retirement. Given that, it will indirectly affect how more ...
by oldcomputerguy
Thu Jul 20, 2017 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Considering pension plan in asset allocation
Replies: 37
Views: 1370

Re: Considering pension plan in asset allocation

Question: Should I consider the pension when determining my 80/20 allocation? If so, how? Do I consider it a "bond"? If it were me, I would consider it in the light of how well my pension will cover my eventual living expenses in retirement. Given that, it will indirectly affect how more ...
by oldcomputerguy
Thu Jul 20, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: Office 2007 end of life
Replies: 27
Views: 1594

Re: Office 2007 end of life

I don't care about technical support. For the other two (bug fixes or security fixes), is it worth it to spend the $69.99/year for (1) user, or should I just chance it and stay with 2007? As I said, it runs flawlessly and does what I need it to do, I just don't want to expose my PC to the (unlikely...
by oldcomputerguy
Thu Jul 20, 2017 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2146

Re: Fidelity Full View usefulness?

Aaaaaaand now, .... yep, all the FullView accounts show up both in the Analysis tool and in the retirement planning (GPS) tool.

Strange.
by oldcomputerguy
Thu Jul 20, 2017 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2146

Re: Fidelity Full View usefulness?

If you go out of Full View and into the main Fidelity screen, you should see a tab near the top labelled "Analysis". That will lead you to screens that will do analysis across asset classes. Does that include assets held in external accounts? Yes. Fidelity's analysis tool uses the account...
by oldcomputerguy
Thu Jul 20, 2017 7:42 am
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 142
Views: 5330

Re: Can anyone convince me I need international stock in my portfolio?

You don't need it, Bogle himself repeatedly recommends we don't do it, and you should not be convinced by arguments that require you to believe past performance is a key indicator of future results. Has Mr. Bogle actually said "don't invest in international"? It was always my understandin...
by oldcomputerguy
Thu Jul 20, 2017 5:42 am
Forum: Personal Consumer Issues
Topic: Flying first class/ business......
Replies: 21
Views: 3687

Re: Flying first class/ business......

If the airline is the one that forces you to change your flights then they will make it good. Even up to refunding your money. When you book first or business class generally change fees are waived as well. Be prepared to ask for the refund, however. American just did this to me on an upcoming trip...
by oldcomputerguy
Thu Jul 20, 2017 5:35 am
Forum: Investing - Help with Personal Investments
Topic: VC ETFs
Replies: 4
Views: 359

Re: VC ETFs

I personally have no experience with such, nor am I likely to. From what a bit of Googling digs up, a "venture capital index" seems simply to be a cobbled-together group of investments that don't really represent what Bogleheads might consider an "index". For example, the prospec...
by oldcomputerguy
Wed Jul 19, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Is Amex Platinum worth the high fees?
Replies: 45
Views: 3186

Re: Is Amex Platinum worth the high fees?

Great to know, thanks. Any problems using it internationally? Only just got the card about a month ago, haven't been out of the country since then, but AmEx says there is no foreign transaction fee. However, I already have a Capital One Visa that I use when travelling internationally, so I probably...
by oldcomputerguy
Wed Jul 19, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: Is Amex Platinum worth the high fees?
Replies: 45
Views: 3186

Re: Is Amex Platinum worth the high fees?

In my experience AmEx is not as widely accepted as Visa, but this is a card in which you sign up for the benefits not related to its actual use to collect points. The Chase Sapphire Reserve is generally a better card, but from what I understand the AmEx Platinum benefits are a little bit higher qua...
by oldcomputerguy
Wed Jul 19, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Buying the "three" Vanguard funds through Fidelity???
Replies: 10
Views: 797

Re: Buying the "three" Vanguard funds through Fidelity???

Fidelity will charge you $75 per purchase per fund to buy shares of Vanguard mutual funds. If you want Vanguard mutual funds, open an account at Vanguard and buy them there. Alternatively, you can buy the ETF versions at Fidelity for $4.95 instead of $75.
by oldcomputerguy
Wed Jul 19, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2146

Re: Fidelity Full View usefulness?

If you go out of Full View and into the main Fidelity screen, you should see a tab near the top labelled "Analysis". That will lead you to screens that will do analysis across asset classes. Does that include assets held in external accounts? Yes. Fidelity's analysis tool uses the account...
by oldcomputerguy
Wed Jul 19, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2146

Re: Fidelity Full View usefulness?

Is anyone successfully using FullView to see their aggregate asset allocation across multiple accounts? I just set it up as a test. It automatically includes all Fidelity accounts plus I added an external accounts. I'm baffled that the "asset allocation" tool shows me the % distribution a...
by oldcomputerguy
Wed Jul 19, 2017 7:01 am
Forum: Personal Finance (Not Investing)
Topic: When should my wife and I take our social security?
Replies: 25
Views: 2677

Re: When should my wife and I take our social security?

chuckb84 wrote:I suggest putting all your data into

https://www.i-orp.com/ORPparms.html


:annoyed I just went through this form and filled in all the relevant info, but when I tried to run the model I got a "404" error from them. Hopefully this will be fixed soon.
by oldcomputerguy
Wed Jul 19, 2017 6:08 am
Forum: Investing - Theory, News & General
Topic: A closer look at taxes/distributions: Fidelity vs. Vanguard
Replies: 15
Views: 1883

Re: A closer look at taxes/distributions: Fidelity vs. Vanguard

One other point: If the fund ever distributes short term capital gains, that would be considerably worse on a dollar for dollar basis. Those are taxed at the higher ordinary income tax rates, and cannot be cancelled out by harvested capital losses. According to the IRS , this will never happen: Cap...
by oldcomputerguy
Tue Jul 18, 2017 7:29 pm
Forum: Investing - Theory, News & General
Topic: Expense Ratios, how high is too high
Replies: 72
Views: 3865

Re: Expense Ratios, how high is too high

I'm moving the IRA to Fidelity to see if it will do better, but now that I will be selecting my own investments, I need to know how high is too high. Fidelity has good, low cost index funds but they hide them pretty well. The Wiki has the 3-fund portfolio for Fidelity here: https://www.bogleheads.o...
by oldcomputerguy
Tue Jul 18, 2017 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Allowable Roth contribution?
Replies: 8
Views: 284

Re: Allowable Roth contribution?

rgar98 wrote:@dbitrbl

Thanks.

I did not put my RMD in my Roth; I put $6500 from the RMD in my Roth.


This should be okay as long as your spouse had enough earned income to cover it. RMD money does not count as earned income.
by oldcomputerguy
Tue Jul 18, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Allowable Roth contribution?
Replies: 8
Views: 284

Re: Allowable Roth contribution?

Pretty sure your wife's contributions are OK, but you need to have earned income in order to be able to contribute to a regular or Roth IRA. Not necessarily. He can contribute a spousal contribution if his wife's earned income is enough to cover both his and her IRA contributions and they file as m...
by oldcomputerguy
Tue Jul 18, 2017 11:32 am
Forum: Investing - Help with Personal Investments
Topic: FBIDX or AGG
Replies: 1
Views: 193

Re: FBIDX or AGG

If you have $10k to invest, you can get FSITX which is the Premium-class version of FBIDX, it also has en ER of 0.05%. Otherwise I can't see a huge difference between the two, other than the fact that one is a mutual fund and the other is an ETF.
by oldcomputerguy
Tue Jul 18, 2017 6:06 am
Forum: Personal Finance (Not Investing)
Topic: Question on When to Take Social Security
Replies: 14
Views: 1230

Re: Question on When to Take Social Security

If "Mom" takes $817 now and "Dad" takes $3689 at 70, is Mom's benefit at that time one half of $3689 or is less because she started her own benefits early? Mike Piper discusses this in his book "Social Security Made Simple". There is indeed a reduction to Mom's spousal...
by oldcomputerguy
Mon Jul 17, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: 401K
Replies: 11
Views: 825

Re: 401K

Some people at work recommended someone at work who manages their 401K and were really happy with them. Before I started researching myself I signed up with him. He keeps most funds in cash and small amount in Dodge and Cox. Do I understand you correctly? The manager keeps most money that he's mana...
by oldcomputerguy
Mon Jul 17, 2017 6:21 am
Forum: Investing - Help with Personal Investments
Topic: Why Not REIT's?
Replies: 47
Views: 4268

Re: Why Not REIT's?

Could somebody advise me on why REIT's have the preconception that they are volatile and risky? Well, perhaps because they are. Morningstar reports the 10-year standard deviation of Vanguard's REIT Index Admiral Shares fund (VGSLX) as 25.45, much higher than VTSAX's 15.72 or even VSIAX Small-cap Va...
by oldcomputerguy
Sun Jul 16, 2017 5:32 am
Forum: Investing - Help with Personal Investments
Topic: Low cost index funds/Fidelity
Replies: 21
Views: 1610

Re: Low cost index funds/Fidelity

I honestly don't understand the difference between mutual funds and index funds. I'm pretty ignorant that is why I got in with Edward Jones. Just being honest here. You're not alone in being confused over this. (*me slips into pedantic mode*) Very simply put, there are basically two types of "...
by oldcomputerguy
Sat Jul 15, 2017 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in company stock?
Replies: 17
Views: 697

Re: Investing in company stock?

Take the loss. Inquire with your broker about "disposition of worthless shares". The Chapter 11 filing and subsequent loss in the shares occurred back in 2009, and from what little I've been able to find on such a circumstance it appears that there was a time limit in which I could have t...
by oldcomputerguy
Sat Jul 15, 2017 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring 8/31
Replies: 8
Views: 818

Re: Retiring 8/31

Additional info in response to replies. OldComputerGuy: My thinking was that I will be drawing my normal salary until May 15th, 2018 ( severance ), so income will significantly less in 2019 Ah. Okay, that makes more sense, then. I can see how you would want to delay RMD until you were in a lower in...
by oldcomputerguy
Sat Jul 15, 2017 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in company stock?
Replies: 17
Views: 697

Re: Investing in company stock?

I have read other posts on investing in your own company and essentially putting too many eggs in one basket. Currently her income represents about a third of our household income. We are both 27 and willing to have a more aggressive growth plan at our current position. You already depend on her em...
by oldcomputerguy
Sat Jul 15, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring 8/31
Replies: 8
Views: 818

Re: Retiring 8/31

Greetings. I'm retiring 8/31 with a 38-week severance deal. Turned 69 in May. Wife,66, retired a few years ago. Both on social security and I have two pension payments totaling about $700/month. My first IRA RMD won't be due until April 2019. My initial thought is, are you sure you want to wait unt...
by oldcomputerguy
Fri Jul 14, 2017 9:29 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 141
Views: 12366

Re: How are folks handling the unprecedented rise in the market ?

I'm checking every now and then to make sure I haven't hit a rebalance point. Other than that, no, I'm not contemplating any changes at this point.
by oldcomputerguy
Fri Jul 14, 2017 6:12 pm
Forum: Personal Consumer Issues
Topic: DirectTV Install
Replies: 14
Views: 928

Re: DirectTV Install

I was thinking of signing up for DirectTV (my current TV operator is Verizon FIOS). In my case, the main motivation is really a 50000 AA mile offer with DirectTV install. I expect to drop the service in a year or so, but even with early cancellation, I think I'll come out ahead (AA miles are worth ...
by oldcomputerguy
Fri Jul 14, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: Electronics question [broken monitor]
Replies: 27
Views: 1617

Re: Electronics question [broken monitor]

rec7 wrote:Update. Fixed it for $4 my first electronics work. Did not get shocked. Works great. Did wear wear electrician gloves, safety glasses and did everything you guys said. Thanks everybody and a special Thanks to oldcomputerguy


:sharebeer
by oldcomputerguy
Thu Jul 13, 2017 10:38 am
Forum: Investing - Theory, News & General
Topic: rebalancing
Replies: 3
Views: 247

Re: rebalancing

If I am truly an index investor I want to replicate the market. In order to get the same total return as the market don't I need to reinvest my dividends and never rebalance? If I try to maintain the original asset allocation doesn't that will mean I can never equal market returns? The point of reb...
by oldcomputerguy
Thu Jul 13, 2017 5:12 am
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 178
Views: 6949

Re: Do you count vehicle equity in net worth?

To me, net worth is the sum total of my estate after all final expenses. So yes, whatever my vehicles would bring on the used-car market is part of that. (I currently have no outstanding auto loans.) So do you count things like furniture too? Just curious. I get your point and that's the technical ...
by oldcomputerguy
Wed Jul 12, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 178
Views: 6949

Re: Do you count vehicle equity in net worth?

To me, net worth is the sum total of my estate after all final expenses. So yes, whatever my vehicles would bring on the used-car market is part of that. (I currently have no outstanding auto loans.)
by oldcomputerguy
Wed Jul 12, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 84
Views: 11682

Re: Ally Bank - Savings now 1.05%

[Merged BanditKing's topic and its replies into this existing thread - moderator prudent] I didn't see a previous thread about it (probably missed it), but I saw this morning that Ally has raised the the interest on the savings accounts to 1.05%. Checking is still .10%/.60%. Just got an email from ...
by oldcomputerguy
Wed Jul 12, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Buying Admiral shares vs VTI
Replies: 7
Views: 508

Re: Buying Admiral shares vs VTI

Seems to me it boils down to whether you prefer an ETF or a mutual fund. The underlying securities are the same, so if you are okay with owning an ETF and are satisfied with TD Ameritrade, I'd say there's no reason to up and move to Vanguard just to get the mutual fund share class.
by oldcomputerguy
Wed Jul 12, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Credit card vrs checking account for utility bills
Replies: 23
Views: 1639

Re: Credit card vrs checking account for utility bills

My power and water providers don't have auto-pay, but my other monthly bills go to the credit card. Absolutely nothing is set up for auto-pay from my checking account. I manually initiate "pulls" from my checking account to credit cards periodically, and the power and water are "pushe...
by oldcomputerguy
Wed Jul 12, 2017 6:44 am
Forum: Investing - Theory, News & General
Topic: Online Trading Academy
Replies: 26
Views: 1473

Re: Online Trading Academy

"Trading education" companies like this get kickbacks from the brokerages where you open your trading account. The brokerage firm will encourage you to trade highly leveraged assets like options, let you use as much margin as legally allowed, etc. The broker then takes the other side of y...
by oldcomputerguy
Wed Jul 12, 2017 5:41 am
Forum: Personal Consumer Issues
Topic: GETYAHOO broken? [Spreadsheet extension]
Replies: 16
Views: 1664

Re: GETYAHOO broken? [Spreadsheet extension]

Are you still out there and is GETYAHOO still (not)/(working) for you? GETYAHOO quit working for me on approx. 5/21/17. I'm on WIN10 and recently updated to LibreCalc 5.2.7.2 I'm getting so disgusted and would love a simple solution as I auto update 29 stocks several times a week to track some secu...
by oldcomputerguy
Tue Jul 11, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Taxable account, how does it work?
Replies: 13
Views: 1391

Re: Taxable account, how does it work?

..................................... Capital gains are not reported on 1099-DIV, they are reported on a 1099-B form, which you also get at tax time from the fund company. just to clarify...........CG on shares sold by you are reported on 1099-B. CG distributions distributed by the fund to you are ...
by oldcomputerguy
Tue Jul 11, 2017 5:53 am
Forum: Investing - Help with Personal Investments
Topic: Taxable account, how does it work?
Replies: 13
Views: 1391

Re: Taxable account, how does it work?

I guess I need the "explain like I'm 5" explanation for how buying a holding a fund in a taxable account will generate taxes for the account owner. I've been reading books, but it eludes me as to the basic mechanics of how this works. Lots of talk about taxes and capital gains, but it's j...

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