Search found 1315 matches

by oldcomputerguy
Sat May 27, 2017 5:37 pm
Forum: Investing - Theory, News & General
Topic: How many investment companies to have money in?
Replies: 38
Views: 2591

Re: How many investment companies to have money in?

Didn't really happen as a preference, but DW and I have our investments in three different houses. My tIRA is at Fidelity (where my workplace 401k used to be before I retired, it was just easier to do a roll-over in-house, as it were, and in-kind). DW's 401k is at Schwab (which I sort of wish weren'...
by oldcomputerguy
Sat May 27, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Cell phone service abroad
Replies: 39
Views: 3371

Re: Cell phone service abroad

For those that travel a lot - you may want to switch to T-Mobile. They offer unlimited capped data at 128kbps and free SMS in over 130 countries. Enough data speed to use google maps and light stuff (but not youtube or social media surfing). Or switch to Google Fi which offers the same but without ...
by oldcomputerguy
Sat May 27, 2017 4:22 am
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 98
Views: 8302

Re: Updates on the status of Linux

I do agree with this. If you have no interest in web development, setting up servers, or programming, then it is VERY hard to justify the hard work necessary in getting past the learning curve of Linux such that it becomes as easy and familiar as Windows is to most users. This is why I never casual...
by oldcomputerguy
Sat May 27, 2017 4:05 am
Forum: Investing - Theory, News & General
Topic: The dot com "do over" bull market?
Replies: 82
Views: 7174

Re: The dot com "do over" bull market?

Back in the late 90s we didn't quite get the dot.com predictions right - pets.com, etc. didn't do well because they were based on a speculative bubble that GOOD tech could make up for a BAD business model. I'm not sure the same could be said of today's market. What am I missing? Where is the bubble...
by oldcomputerguy
Fri May 26, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Havings twins
Replies: 22
Views: 1909

Re: Havings twins

This past week has been a bit of a blur and this post might seem this way too, but here it goes....on Monday, my wife and I found out we are having twins. I'm 32 and she is 27, and we will be first-time parents. Very, very, very excited and thrilled as it was a long journey to get to being pregnant...
by oldcomputerguy
Fri May 26, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Should I drink or sell my Pappy 12 year?
Replies: 52
Views: 5291

Re: Should I drink or sell my Pappy 12 year?

Entered a lottery with ABC fine wine and spirits and won the option of buying 1 bottle of Pappy Van Winkle 12 year. I haven't drank much bourbon. I'm a Scotch fan (Lagavulin, Laphroaig, Highland Park). Should I drink it with my scotch drinking, buddy? or try to sell it (if I can)? You don't note wh...
by oldcomputerguy
Fri May 26, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: Great Depression Lesson - Is Total Bond Market Too Risky?
Replies: 26
Views: 3469

Re: Great Depression Lesson - Is Total Bond Market Too Risky?

Long time lurker, first time poster here. Thanks to all who participate in this amazing community! I've learned so much is such a short time! I'm reading Benjamin Roth's The Great Depression: A Diary , which is great, and it got me thinking about how risky equities can be! I'm 30, and Vanguard TR 2...
by oldcomputerguy
Thu May 25, 2017 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: How to calculate the top of the 15% bracket?
Replies: 23
Views: 2182

Re: How to calculate the top of the 15% bracket?

Breaking the 15% rate can cost a lot. If you are in the 15% bracket your long term capital gains are taxed at 0%. Also qualified dividends. Not exactly true. If your total income breaks the 15% bracket by a small amount, then only that small part of the long term capital gains would be taxed at the...
by oldcomputerguy
Wed May 24, 2017 12:46 am
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 86
Views: 10179

Re: i am my own "guy," but not sure I should advertise that

I sort of treat discussing investing the way I treat discussing computer OS's. I use Linux as my primary OS and am very happy with it. When the topic comes up, I tell that to those who ask, but I make it clear that, if the other party in the discussion is using Windows and is satisfied with it, that...
by oldcomputerguy
Mon May 22, 2017 12:02 am
Forum: Investing - Theory, News & General
Topic: International fund that has 'only' millions in assets rather than billions? [FTIPX]
Replies: 9
Views: 978

Re: International fund that has 'only' millions in assets rather than billions? [FTIPX]

It's a very new fund. Inception 6/28/2016, less than a year old. I don't think there's a problem. One difference between mutual funds and ETFs is that bid-asked spread and liquidity are not issues. You are guaranteed the end-of-day NAV, whether or not the fund itself is actually able to transact at...
by oldcomputerguy
Sat May 20, 2017 1:20 am
Forum: Personal Consumer Issues
Topic: First report from my bicycle tour from Amsterdam to Passau
Replies: 4
Views: 557

Re: First report from my bicycle tour from Amsterdam to Passau

Raybo, you always take such beautiful and interesting photos, are we going to have a sneak preview?? 8-) +1 Raybo, sounds like you just found the most bike friendly country on the planet. Switzerland might also be in the running for that title (no pun intended). Our guide there told us that over ha...
by oldcomputerguy
Thu May 18, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Justification for holding Emerging Markets?
Replies: 67
Views: 3010

Re: Justification for holding Emerging Markets?

I don't have a large amount of emerging markets in my portfolio and I am beginning to question why I have any, especially since I have no real conviction about it and for the most part appreciate portfolio simplicity. What is the justification for having emerging markets? In reality I am not big on...
by oldcomputerguy
Thu May 18, 2017 2:14 am
Forum: Personal Finance (Not Investing)
Topic: Nothing else to do investment wise!
Replies: 23
Views: 3318

Re: Nothing else to do investment wise!

Now that we are finally invested in bogglehead style with a three fund portfolio and everything on auto investing, I feel like I need to do something about my portfolio. I understand that tinkering with a set allocation and IPS is dangerous so I always retreat. What else you do in a situation like ...
by oldcomputerguy
Tue May 16, 2017 10:15 am
Forum: Investing - Theory, News & General
Topic: American Funds beat out Vanguard Index over lifetime?
Replies: 63
Views: 6903

Re: American Funds beat out Vanguard Index over lifetime?

Greetings, I have read lots of previous forums on Bogleheads. This however, is my first post. I recently read this website: https://www.americanfunds.com/individual/insights/investment-insights/five-american-funds-that-beat-the-first-index-funds-lifetime-results.html?cid=sm_fb_10224 It is from Amer...
by oldcomputerguy
Sun May 14, 2017 1:30 am
Forum: Personal Consumer Issues
Topic: Tipping at All Inclusive Resort?
Replies: 67
Views: 4809

Re: Tipping at All Inclusive Resort?

DW and I frequent Sandals resorts in the Caribbean. At those resorts they go out of their way to make it known that tipping is not only unnecessary but in fact prohibited (their employees are not allowed to accept tips). That is only on the resort; third-party operators such as tour excursion driver...
by oldcomputerguy
Fri May 12, 2017 3:10 pm
Forum: Investing - Theory, News & General
Topic: Goofy idea - moving 401k to money market each weekend
Replies: 15
Views: 1589

Re: Goofy idea - moving 401k to money market each weekend

Ah, I think the 3 day settle period ruins the thought entirely. If, in theory, you could exit an index fund friday and get back in for tuesday, I would expect the guaranteed two days of interest to have a (small) chance of beating whatever the index does over the long term. (I don't have the data t...
by oldcomputerguy
Fri May 12, 2017 5:53 am
Forum: Investing - Theory, News & General
Topic: Motley Fool - Million Dollar Portfolio
Replies: 8
Views: 2054

Re: Motley Fool - Million Dollar Portfolio

I used to listen to the Motley Fool podcast, until I came to the realization that they couldn't pick stocks any better than I can.
by oldcomputerguy
Thu May 11, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: If not Past Performance, how do you evaluate a fund/etf?
Replies: 18
Views: 1149

Re: If not Past Performance, how do you evaluate a fund/etf?

I generally look at how much the fund invests in the asset class I'm interested in owning (whether, for example, a "small-cap" fund actually contains a large portion of mid-cap), the expense ratio of the fund, and what index it follows. I don't try to compare past performance of funds. (Al...
by oldcomputerguy
Thu May 11, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Defect in Vanguard Asset Mix Chart
Replies: 8
Views: 524

Re: Defect in Vanguard Asset Mix Chart

This is an image capture of the Portfolio Watch view. Notice how the percentage figures are quite different from one side to the other. This is a different manifestation of this issue. http://drive.google.com/uc?export=download&id=0B6-vl5CrWRtDYzVLRERwM2ZvVkU I'm not sure I'm seeing what you re...
by oldcomputerguy
Thu May 11, 2017 5:47 am
Forum: Personal Finance (Not Investing)
Topic: Best Social Security claim strategy after 2015 law changes
Replies: 4
Views: 911

Re: Best Social Security claim strategy after 2015 law changes

How old are the two spouses? The 2015 rule change contains a portion that is specific to persons who were younger than age 62 on January 1, 2016, so it's important to figure that in.
by oldcomputerguy
Thu May 11, 2017 5:20 am
Forum: Investing - Theory, News & General
Topic: Gundlach shorts S&P 500, says passive investing is a 'myth'
Replies: 51
Views: 5950

Re: Gundlach shorts S&P 500, says passive investing is a 'myth'

jcavana1 wrote:
selftalk wrote:John Bogle doesn`t know anyone who can consistently BEAT THE MARKET. In fact he said that he doesn`t know anyone that knows anyone that consistanly beats the market.


Buffett??


Nope. Not even Warren Buffett.
by oldcomputerguy
Thu May 11, 2017 5:17 am
Forum: Investing - Help with Personal Investments
Topic: If I invest in ETF instead of MF, what kind of tax paperwork should I expect?
Replies: 22
Views: 1891

Re: If I invest in ETF instead of MF, what kind of tax paperwork should I expect?

I was also told I can't do auto invest (buy x amount every x number of days), is it still like that with VG? It's true that you cannot do auto-investing with ETFs. However, if you have at least $10,000 to invest in each fund, you can buy Admiral shares of mutual funds at Vanguard instead of ETFs. T...
by oldcomputerguy
Wed May 10, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: VTIAX vs VIHAX [Vanguard Total Int'l vs. Int'l High Dividend Yield]
Replies: 16
Views: 941

Re: VTIAX vs VIHAX

VIHAX is very much a large-cap value fund (51% LCV), versus VTIAX which is a blend fund. It might fill the bill if you're looking for international value. Note, though, that the ER of VIHAX is about 3 times that of VTIAX, plus VIHAX has a 0.25% purchase fee and a 0.25% redemption fee. I wouldn't pre...
by oldcomputerguy
Tue May 09, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: What newspaper or magazine do you pay for?
Replies: 107
Views: 4330

Re: What newspaper or magazine do you pay for?

Last magazine I subscribed to was LinuxFormat. It's been quite a while since I let that lapse. Even longer since I had a subscription to a paper magazine, when I last read LinuxFormat it was on my iPad (using Zinio).
by oldcomputerguy
Tue May 09, 2017 7:53 am
Forum: Investing - Theory, News & General
Topic: Gundlach shorts S&P 500, says passive investing is a 'myth'
Replies: 51
Views: 5950

Re: Gundlach shorts S&P 500, says passive investing is a 'myth'

Can't say I'm impressed with his credentials as "the Bond King". On March 9, 2011, Gundlach was quoted on CNBC that “Munis Are The New Subprime.” “You’ve got a history of low defaults, which is comforting. But that kind of sounds like what subprime sounded like back in 2006,” Gundlach said...
by oldcomputerguy
Tue May 09, 2017 6:10 am
Forum: Investing - Theory, News & General
Topic: 3-fund / TR flip-flop-flip
Replies: 9
Views: 552

Re: 3-fund / TR flip-flop-flip

I am familiar with VG's frequent trading policy and I understand how a dividend payout affects the share price, but aren't these both moot points when viewed from a quarterly perspective? Thanks. Well, I'll grant you that the frequent trading policy would likely not be a factor, unless you bought t...
by oldcomputerguy
Tue May 09, 2017 5:53 am
Forum: Investing - Theory, News & General
Topic: 3-fund / TR flip-flop-flip
Replies: 9
Views: 552

Re: 3-fund / TR flip-flop-flip

Thanks, JoMoney The goal is to increase returns in a tax-advantaged account without straying from my preferred asset allocation. You likely won't accomplish that. https://investor.vanguard.com/investing/taxes/buying-dividend Think of it this way: a mutual fund collects dividends from its underlying...
by oldcomputerguy
Mon May 08, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: Buying plants online
Replies: 16
Views: 1397

Re: Buying plants online

For several years I had pretty good results with ordering rose bushes from Jackson & Perkins. Nowadays I know better. The plants were good quality but quite a bit overpriced. Now I just get healthy-looking plants from the big-box store in town.
by oldcomputerguy
Mon May 08, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: how to copy old audio cassettes to pc?
Replies: 19
Views: 1322

Re: how to copy old audio cassettes to pc?

I did this some years ago. Worked like this: Download a program called Audacity. (Free from various places, check Google). Connect a cable from the earphone/headphone jack on the cassette player to the microphone jack on the computer. Start Audacity, play the tape, and that's it except for a bunch ...
by oldcomputerguy
Mon May 08, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy cars?
Replies: 71
Views: 7200

Re: How do Bogleheads buy cars?

As seldom as possible. I hate having a car payment.
by oldcomputerguy
Mon May 08, 2017 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Not Credited to Account Question
Replies: 7
Views: 654

Re: Social Security Not Credited to Account Question

I'd certainly check into it. DW had a very similar issue, although she had worked for a small business for several years and had SS taken out according to her W2's, none of it showed up on her SS statement. It appears that none of her SS taxes were submitted by her employer. Can't prove it, but lik...
by oldcomputerguy
Mon May 08, 2017 3:13 pm
Forum: Investing - Theory, News & General
Topic: Profit from country's collapse (ordinary investor)
Replies: 18
Views: 1746

Re: Profit from country's collapse (ordinary investor)

FraggleRock wrote:I am thinking of Venezuela in particular.
How does an ordinary investor invest to profit from an expected collapse of a country?


Without a working crystal ball, how can there be an "expected collapse of a country"?
by oldcomputerguy
Mon May 08, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: managed vs indexed funds for international stocks
Replies: 16
Views: 1519

Re: managed vs indexed funds for international stocks

Aside from other factors, such as that managers often bring more risk than just following an index, is the above comparison method even a valid way to look at things? No. You have no way of knowing whether the outperformance reflects skill or pure luck. If anything, the outperformance suggests that...
by oldcomputerguy
Mon May 08, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Not Credited to Account Question
Replies: 7
Views: 654

Re: Social Security Not Credited to Account Question

I'd certainly check into it. DW had a very similar issue, although she had worked for a small business for several years and had SS taken out according to her W2's, none of it showed up on her SS statement. It appears that none of her SS taxes were submitted by her employer. Can't prove it, but like...
by oldcomputerguy
Sun May 07, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: What if the market drops right after I invest? Now the market is at all-time high..
Replies: 27
Views: 2313

Re: What if the market drops right after I invest? Now the market is at all-time high..

I've heard so many times this sentence in the office, that I need to talk about it. I'd like to dissect this sentence in two parts and I'm looking for data to prove each point: 1) Now the market is at all time high: Is there any chart that outlines the number of market "highs" in the last...
by oldcomputerguy
Sat May 06, 2017 7:23 am
Forum: Investing - Help with Personal Investments
Topic: A few Questions from a young investor.
Replies: 19
Views: 1184

Re: A few Questions from a young investor.

To be direct: -I am new to investing and the Vanguard Roth IRA -I do not make a lot of money....I do not even see me reaching the $5500 limit this year or the next. Welcome. Don't worry about not being able to invest huge amounts up front. The fact that you're starting young is great. Just do what ...
by oldcomputerguy
Fri May 05, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 11553

Re: Microsoft, I want my computer back!

I have a PC that came with Windows 8.1 which I upgraded to Windows 10. Never had an issue with the OS or updates. I can do anything I need to do on it. Why would I want to tackle Linux? If you like an OS, stick with it. There are many happy Windows users. But if you wanted to try Linux, you wouldn'...
by oldcomputerguy
Fri May 05, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 11553

Re: Microsoft, I want my computer back!

The issue I have is with One Drive. By default Microsoft wants you to store all your data in their cloud (and of course pay them for all storage over a nominal amount). I got a new laptop and tried to delete all the One Drive folders. I just want a Library folder with sub folders for documents, pic...
by oldcomputerguy
Fri May 05, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: When you didn't have 401(k)/403(b), did you have IRA?
Replies: 39
Views: 1400

Re: When you didn't have 401(k)/403(b), did you have IRA?

Well, in my own case, I participated in our workplace 401k for over thirty years, because (a) the workplace did a presentation and took the time to explain the program, and (b) my supervisor (whose advice I valued highly) suggested it would be a good thing to get into. In the years between then and ...
by oldcomputerguy
Fri May 05, 2017 6:55 am
Forum: Investing - Theory, News & General
Topic: U.S. SEC approves request to list quadruple-leveraged ETFs
Replies: 27
Views: 2148

Re: U.S. SEC approves request to list quadruple-leveraged ETFs

Geez. This thing reminds me of the time on M*A*S*H when Hawkeye invited Radar to play a game of Double Cranko. After he finished explaining how the game was played, Radar replied "Ah, no thanks. Whenever I lose I like to know why." :? I guess I'll stick to Powerball. At least I know why I ...
by oldcomputerguy
Thu May 04, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Atlanta teppanyaki
Replies: 9
Views: 1039

Re: Atlanta teppanyaki

My experiences with Georgia involving Japanese cuisine is that it is regarded as "bait". Well, in all honesty, I have several family members here in TN who would readily agree with you. But the specific cuisine I'm contemplating here is medium-well teppanyaki steak. Are you talking about ...
by oldcomputerguy
Thu May 04, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: Atlanta teppanyaki
Replies: 9
Views: 1039

Atlanta teppanyaki

I have a birthday coming up. Since it's a bit on the noteworthy side (turning 62), DW suggested I do something special. My favorite cuisine to eat out is Japanese teppanyaki, so I'm looking to combine a good teppanyaki meal with a weekend getaway. At this point I'm considering Atlanta. Anybody have ...
by oldcomputerguy
Thu May 04, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: Amazon shipment "stuck" at UPS distribution
Replies: 22
Views: 2219

Re: Amazon shipment "stuck" at UPS distribution

Ordered an item on amazon, took 2 extra days for processing. Sent 2 day air to arrive Wednesday (yesterday). Really need the item. Yesterday at 6:30am it arrives at the location the trucks leave to service our area. I assumed it would be put on a truck yesterday. nope. Assumed it would be put on a ...
by oldcomputerguy
Thu May 04, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Too much Money?
Replies: 40
Views: 7149

Re: Too much Money?

knpstr wrote:And thank you for your service.
:beer


+1
by oldcomputerguy
Thu May 04, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Self-Employment Taxes - questions
Replies: 10
Views: 372

Re: Paying Self-Employment Taxes - questions

Have you already maxed out your IRA for 2017? Nope, still a bit of room left. And if I stash my earnings from Side Gig in the IRA, I won't crowd the 15% bracket trip point as hard. What is the current source of your income? Total household income is DW's regular job plus my new Side Gig. Neither of...
by oldcomputerguy
Thu May 04, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Self-Employment Taxes - questions
Replies: 10
Views: 372

Re: Paying Self-Employment Taxes - questions

As far as paying, it is just part of your 2017 tax filing. A schedule C and a form SE get the income/profit recognized and added to your income, and form SE gets your self employment tax added, and 1/2 of that comes off your income as a deduction . Now that's a bit of information that I had not run...
by oldcomputerguy
Thu May 04, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Self-Employment Taxes - questions
Replies: 10
Views: 372

Re: Paying Self-Employment Taxes - questions

Farnsy, Thanks for the response. If you are talking about quarterly payments, I would not send more than is required for what you have earned up to that point. You can also just send all of it in your December quarterly payment. By then you should have a clear idea not only of what you have earned t...
by oldcomputerguy
Thu May 04, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Self-Employment Taxes - questions
Replies: 10
Views: 372

Paying Self-Employment Taxes - questions

Since I retired in January, I've had some discussion with my former employer over coming back to help out occasionally on a consulting basis. We have negotiated a fair price, and I have gone in since on a couple of occasions to work with them. I've not been self-employed since 1975, so I'm not that ...
by oldcomputerguy
Wed May 03, 2017 5:05 pm
Forum: Investing - Theory, News & General
Topic: A Boglehead Guide to Buying Individual Stocks
Replies: 85
Views: 6653

Re: A Boglehead Guide to Buying Individual Stocks

I'm convinced that beating the market is incredibly hard, that most investors can't do it, and that I am one of those investors. But suppose that an otherwise financially secure Boglehead were to set out to beat the market by buying individual stocks with a small portion of his portfolio (say 10%)....

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