Search found 4305 matches

by oldcomputerguy
Tue Nov 12, 2019 8:46 am
Forum: Personal Investments
Topic: Is it a good time to transfer my inflation protected securities balance to the S&P 500
Replies: 20
Views: 1479

Re: Is it a good time to transfer my inflation protected securities balance to the S&P 500

Wiggums wrote:
Tue Nov 12, 2019 8:40 am
Thank you for the procedure to post an image.
The wiki also has a page describing various options for posting images. Particularly helpful to me in particular were the instructions there for using Google Drive to host images.
by oldcomputerguy
Tue Nov 12, 2019 6:28 am
Forum: Personal Investments
Topic: Is it a good time to transfer my inflation protected securities balance to the S&P 500
Replies: 20
Views: 1479

Re: Is it a good time to transfer my inflation protected securities balance to the S&P 500

If I were you, I would wait now or dollar cost average to invest. SP500 is record high right now. $30,000 is not much but it is good that you increase the contribution. I would suggest DCA to invest for the market like this. The OP is saving for retirement, they have a long time horizon, at least 2...
by oldcomputerguy
Mon Nov 11, 2019 9:09 pm
Forum: Personal Consumer Issues
Topic: Hi Def Audio listening
Replies: 22
Views: 1128

Re: Hi Def Audio listening

Do you have Amazon Prime? If so, the easiest way to dip your toe into the water is to get an Echo device where you get the Amazon music streaming service for free. I have the new Echo Studio ($200), and it hits my point of indifference on the cost/music quality curve. I.e - I could spend more, but ...
by oldcomputerguy
Mon Nov 11, 2019 4:24 pm
Forum: Personal Consumer Issues
Topic: Mobile finance apps - do you use them?
Replies: 22
Views: 950

Re: Mobile finance apps - do you use them?

I do 99.99% of my financial tasks (checking balances, paying bills, downloading statements, what little investment management I do) on my home desktop PC running a fully-up-to-date version of Linux Mint 19. The only time I ever use a financial app on my phone is to mobile-deposit the rare paper chec...
by oldcomputerguy
Mon Nov 11, 2019 6:43 am
Forum: Investing - Theory, News & General
Topic: VTWAX/VTWSX availability at Fidelity
Replies: 16
Views: 1632

Re: VTWAX/VTWSX availability at Fidelity

So no one grandfathered VTWSX? It’s closed to new investors in favor of the admiral shares. You can still hold it and maybe still buy it? Taking a quick look at the Vanguard individual investor site, they don't even list VTWSX anymore, at least not that I could find. So while you may be able to hol...
by oldcomputerguy
Sat Nov 09, 2019 10:35 am
Forum: Personal Investments
Topic: What’s in your TSP?
Replies: 46
Views: 3109

Re: What’s in your TSP?

This topic is now in the Personal Investments forum.
by oldcomputerguy
Fri Nov 08, 2019 7:09 am
Forum: Investing - Theory, News & General
Topic: Vanguard: the case for global equity investing
Replies: 160
Views: 12175

Re: Vanguard: the case for global equity investing

Some off-topic comments were removed. Please keep the discussion focused on the OP's original topic (the case for global equity investing).
by oldcomputerguy
Thu Nov 07, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: What's the deal with the dentist?
Replies: 5
Views: 1201

Re: What's the deal with the dentist?

This topic has been locked as seeking medical advice (in this case, dental). See Unacceptable Topics : Questions on medical issues are beyond the scope of the forum. If you are looking for medical information online, I suggest you start with the Medical Library Association's User's Guide to Finding...
by oldcomputerguy
Wed Nov 06, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: For those who fly often
Replies: 14
Views: 3251

Re: For those who fly often

But AlohaJoe, I wouldn't need a lie flat bed to make First Class desirable at a reasonable cost! The extra legroom and nicer seats would be plenty of benefit. I've never seen a price difference for First class versus any flavor of economy that wasn't huge and I suspect you haven't either. There are...
by oldcomputerguy
Wed Nov 06, 2019 10:55 am
Forum: Personal Investments
Topic: Is the new McDonald's CEO a boglehead?
Replies: 3
Views: 985

Re: Is the new McDonald's CEO a boglehead?

This topic has been locked as off-topic. See Personal Investments : This subforum is for all questions about your (or your friend's or family's) actual investments or investment planning . This includes retirement plan accounts, taxable accounts and tax issues related to buying and selling stocks. ...
by oldcomputerguy
Wed Nov 06, 2019 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Lost Check
Replies: 12
Views: 734

Re: Lost Check

Yes, I’m starting to wonder that myself about paper checks! Most of my regular bills are auto deducted but have paid credit card, auto insurance, property tax and a few others by check for so many years. Take from an old codger who used to pay everything by paper check (and sit for sometimes an hou...
by oldcomputerguy
Tue Nov 05, 2019 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone track their actual pension benefit start date?
Replies: 51
Views: 2877

Re: Anyone track their actual pension benefit start date?

After moderator review, the topic is unlocked to allow the discussion to continue.
by oldcomputerguy
Mon Nov 04, 2019 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Percentage of tax returns with mistakes
Replies: 4
Views: 726

Re: Percentage of tax returns with mistakes

This topic has run its course and has been locked. The question posed is a hypothetical one, and does not relate to the poster's personal finances. See Subforum Guidelines : This subforum is for personal financial issues that don't involve investments. Examples of acceptable topics are: - insurance...
by oldcomputerguy
Mon Nov 04, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: Halloween Candy - Favorites; Throw it in the Bag
Replies: 61
Views: 3226

Re: Halloween Candy - Favorites; Throw it in the Bag

This topic has run its course (Halloween's come and gone) and has been locked.
by oldcomputerguy
Sun Nov 03, 2019 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Best card to complement 2% cash back?
Replies: 27
Views: 3608

Re: Best card to complement 2% cash back?

Cap one savor. 4% cash back dining. No fee first year. https://www.capitalone.com/credit-cards/savor-dining-rewards/ Plus $300 cash bonus for hitting initial 3k spend. No foreign transaction fees. Worth getting for at least one year and then cancel if you don't want the 95 yearly fee. I used this c...
by oldcomputerguy
Sun Nov 03, 2019 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: My Social Security not sending verification code
Replies: 20
Views: 1151

Re: My Social Security not sending verification code

I guess it shows the correct number? But if like mine it only shows the last four. Could it be possible one of the other digits is incorrect? What about saying "NO" it is no longer valid and must be changed and re-enter the number or try a new number to send txt too... Just a guess... :happy It sho...
by oldcomputerguy
Fri Nov 01, 2019 11:45 am
Forum: Personal Consumer Issues
Topic: How often do you allow your dentist to x-ray your teeth?
Replies: 19
Views: 1706

Re: How often do you allow your dentist to x-ray your teeth?

This topic has run its course and has been locked. Concerns regarding excessive exposure to X-rays constitute a medical issue, discussion of which is outside the scope of the forum. See Unacceptable Topics : Questions on medical issues are beyond the scope of the forum. If you are looking for medic...
by oldcomputerguy
Sun Oct 27, 2019 6:55 am
Forum: Personal Consumer Issues
Topic: Adventures in iPhoning [should I upgrade now?]
Replies: 14
Views: 1004

Re: Adventures in iPhoning

I'm sort of in the same boat. I have a 6s, but have been looking at the newer models with a bit of envy. However, I'm going to hang on to my 6s for now. I treat a phone upgrade as I would a new/different vehicle. My current one is paid for and does the job I need it to do, so unless there's a reason...
by oldcomputerguy
Sat Oct 26, 2019 5:12 pm
Forum: Investing - Theory, News & General
Topic: JEDI contract
Replies: 26
Views: 2623

Re: JEDI contract

Some comments that were tending over into political discussion were removed. As a reminder, political post are off-topic for the forum. See Unacceptable Topics:
In order to avoid the inevitable frictions that arise from these topics, political or religious posts and comments are prohibited.
by oldcomputerguy
Sat Oct 26, 2019 7:01 am
Forum: Investing - Theory, News & General
Topic: JEDI contract
Replies: 26
Views: 2623

Re: JEDI contract

All the news stories I'm seeing are saying that the entire $10B contract was awarded to Microsoft. Can you provide a link to the information you are seeing that says that only a portion was awarded?
by oldcomputerguy
Sat Oct 26, 2019 6:24 am
Forum: Investing - Theory, News & General
Topic: Christine Benz article on door to door financial people
Replies: 59
Views: 6215

Re: Christine Benz article on door to door financial people

I wonder whether CB introduced herself and whether the salesperson knows who she is. This is definitely not ok. Is a contract signed by a mentally disabled person valid? (I know CB used the term "intellectual disability" and I do not know whether there is a difference.) I wonder whether it is bette...
by oldcomputerguy
Sat Oct 26, 2019 4:34 am
Forum: Personal Finance (Not Investing)
Topic: Do we need a trust? (MIL to keep extended family away from assets)
Replies: 20
Views: 3529

Re: Do we need a trust? (MIL to keep extended family away from assets)

This topic is now in the Personal Finance forum (legal issues that have a financial component).
by oldcomputerguy
Fri Oct 25, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: I no longer plan on retiring early
Replies: 110
Views: 15088

Re: I no longer plan on retiring early

Problem is, for the past year, I have been realizing that the goal to retire early was just a competitive achievement for me. It was not something that I felt inside. I love my job and probably would not give up being an MD, something that I worked my whole life to become. If you love what you do, ...
by oldcomputerguy
Thu Oct 24, 2019 5:22 am
Forum: Personal Finance (Not Investing)
Topic: Surviving Spouse Credit Card Question
Replies: 27
Views: 2249

Re: Surviving Spouse Credit Card Question

I guess one actionable bit of advice is for both spouses to have at least one credit card in their own name. Will have to follow through on that advice myself - I'm not sure if DW has a credit card in her name. Definiitely. I just went through that after reading something that clued me to the probl...
by oldcomputerguy
Wed Oct 23, 2019 5:19 pm
Forum: Personal Investments
Topic: talk to a new guy [Advisor recommends Midland National Endeavor 8]
Replies: 21
Views: 1814

Re: talk to a new guy

I know nothing about the product, but I did a little Googling, and found this 16-page PDF brochure describing the product. Perhaps some more knowledgeable than myself (which probably will be a large group :wink: ) can chime in.
by oldcomputerguy
Wed Oct 23, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Surviving Spouse Credit Card Question
Replies: 27
Views: 2249

Re: Surviving Spouse Credit Card Question

If the wife is an authorized user rather than a co-owner, she should not use the card on that account anymore. https://www.cardratings.com/what-happens-when-someone-dies-with-credit-card-in-their-name.html If cancelled, how quickly in your experience would the same bank issue a new card for the wif...
by oldcomputerguy
Wed Oct 23, 2019 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Best credit card for 2 mil+ in annual spending?
Replies: 60
Views: 6427

Re: Best credit card for 2 mil+ in annual spending?

burgrat wrote:
Tue Oct 22, 2019 10:10 pm
That's a crazy amount of spending on a credit card. I'm curious, does the "reward" / cash back get taxed if it's $40k or so annually?
This page from Investopedia might shed some light.
by oldcomputerguy
Wed Oct 23, 2019 4:37 am
Forum: Investing - Theory, News & General
Topic: "Dogs of the Dow" in a Roth IRA with Zero Commissions
Replies: 52
Views: 3353

Re: "Dogs of the Dow" in a Roth IRA with Zero Commissions

What do Bogleheads think of the "Dogs of the Dow" strategy within a Roth IRA brokerage account with zero commission fees? Looking at historical data over the last 10 years, I am seeing a significant outperformance of this strategy over the S&P 500 assuming no taxes on dividends and no commissions f...
by oldcomputerguy
Tue Oct 22, 2019 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take the mortgage refinance offer?
Replies: 4
Views: 588

Re: Should I take the mortgage refinance offer?

This topic is now in the Personal Finance forum (mortgage and loan issues).
by oldcomputerguy
Mon Oct 21, 2019 9:59 am
Forum: Personal Investments
Topic: Fidelity HSA questions
Replies: 32
Views: 2414

Re: Fidelity HSA questions

The Fidelity HSA comes with a debit card that I use to pay providers. Did they send this to you automatically, or did you have to request it? I have had an HSA set up at Fidelity since early this year, but I have never received a debit card on the account. (I do have one associated with my CMA, tho...
by oldcomputerguy
Mon Oct 21, 2019 9:52 am
Forum: Personal Investments
Topic: Fidelity HSA questions
Replies: 32
Views: 2414

Re: Fidelity HSA questions

The Fidelity HSA comes with a debit card that I use to pay providers. Did they send this to you automatically, or did you have to request it? I have had an HSA set up at Fidelity since early this year, but I have never received a debit card on the account. (I do have one associated with my CMA, tho...
by oldcomputerguy
Mon Oct 21, 2019 9:50 am
Forum: Personal Investments
Topic: Fidelity HSA questions
Replies: 32
Views: 2414

Re: Fidelity HSA questions

I have an HSA account at the HSA Bank and I am considering moving my funds to another custodian. After seeing several recommendations of Fidelity, I have a few questions: 1. How easy is it to establish an HSA account at Fidelity? - Right now, I have an IRA with them but no consumer accounts. If you...
by oldcomputerguy
Mon Oct 21, 2019 8:27 am
Forum: Personal Investments
Topic: High income earner waiting for a bear market to start investing
Replies: 119
Views: 12080

Re: High income earner waiting for a bear market to start investing

bradinsky wrote:
Mon Oct 21, 2019 7:56 am
It is about Bob, and it’s fixed now. (I think)
I didn't see it before, but I just tried it and it worked for me.
by oldcomputerguy
Mon Oct 21, 2019 6:53 am
Forum: Personal Consumer Issues
Topic: Photo Scanner (Recommendations Please)
Replies: 33
Views: 2001

Re: Photo Scanner (Recommendations Please)

I added the Edson V600 to my amazon wish $189 at the start so I put it on the list to watch for price drops, it promptly went up by $40 Currently at $219 Appears to be well rated and the next step up is in the $600+ range https://www.amazon.com/Epson-Perfection-Negative-Document-Scanner/dp/B002OEBM...
by oldcomputerguy
Sun Oct 20, 2019 10:39 am
Forum: Personal Finance (Not Investing)
Topic: US tax due for wire transfer from China?
Replies: 20
Views: 1340

Re: US tax due for wire transfer from China?

canrun, welcome to the forum! Since your primary questions are related to tax treatment on the US side rather than investments either in the US or internationally, I've moved your post to the Personal Finance forum.
by oldcomputerguy
Fri Oct 18, 2019 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Workers Prep for Budget Delays
Replies: 18
Views: 2164

Re: Fed Workers Prep for Budget Delays

After further moderator review, this topic is unlocked. Please try to keep the discussion focused on actionable ideas for preparing for personal budget difficulties, and not on the issue of which direction Congressional action will take.
by oldcomputerguy
Fri Oct 18, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Fed Workers Prep for Budget Delays
Replies: 18
Views: 2164

Re: Fed Workers Prep for Budget Delays

The OP’s question is asking about what steps to take to prep for possible government budget actions, which is a topic which prohibited by forum policy (proposed legislation). This topic is locked.
by oldcomputerguy
Fri Oct 18, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: Preparing for 25% tariff on Scotch
Replies: 39
Views: 4553

Re: Preparing for 25% tariff on Scotch

The tariff under discussion has now been published in the Federal Register. The topic is now open for discussion.
by oldcomputerguy
Fri Oct 18, 2019 7:52 am
Forum: Personal Investments
Topic: Fidelity Target or John Bogle advice?
Replies: 14
Views: 1709

Re: Fidelity Target or John Bogle advice?

“Age in bonds” is a good rule of thumb to get started, but it doesn’t necessarily have to be the end point. Your asset allocation should be based on your own personal willingness, ability, and need to take risk. I do not follow “age in bonds”. I am 64 years old, my wife is 60, and our portfolio is 4...
by oldcomputerguy
Thu Oct 17, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: Remembering a Beloved Family Pet
Replies: 14
Views: 948

Re: Remembering a Beloved Family Pet

Losing a beloved pet is always a sad occurrence, as many here (myself included) know. Unfortunately, we must maintain forum policies, and discussion of appropriate remembrance of the pet does not really meet the forum guidelines as a personal financial consumer issue. This topic is therefore locked.
by oldcomputerguy
Thu Oct 17, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Social Security survivors benefits
Replies: 3
Views: 384

Re: Social Security survivors benefits

This topic is now in the Personal Finances forum.
by oldcomputerguy
Tue Oct 15, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: How much do you spend on cellular annually?
Replies: 59
Views: 4107

Re: How much do you spend on cellular annually?

Wife and I have Consumer Cellular, we're paying just under $80/month for two lines, unlimited talk and texting, 25 Gb data / month.
by oldcomputerguy
Tue Oct 15, 2019 7:52 am
Forum: Personal Investments
Topic: Can I combine two rollover iras at fidelity into one account?
Replies: 5
Views: 561

Re: Can I combine two rollover iras at fidelity into one account?

Are they both owned by the same person? IRAs that are owned by different owners cannot be combined.
by oldcomputerguy
Tue Oct 15, 2019 7:47 am
Forum: Investing - Theory, News & General
Topic: Why did the stock market start a “hockey stick” run up since about post 1973 or so? You can see this in SP500 and DJIA
Replies: 28
Views: 2256

Re: How to change the subject line of a thread you created

The subject field usually just sets the subject line for one post, but when it is the first post in the thread it also changes the title of the whole thread. It does change the title that shows up in the home page list of posts, but not the title of reply posts that have already been made in the th...
by oldcomputerguy
Mon Oct 14, 2019 1:22 pm
Forum: Personal Investments
Topic: Struggling to understand emergency fund math
Replies: 26
Views: 2320

Re: Struggling to understand emergency fund math

I removed an off-topic post that added nothing to the discussion. Please keep your replies on-topic to the OP's query.
by oldcomputerguy
Mon Oct 14, 2019 10:53 am
Forum: Personal Investments
Topic: Transferring American Funds to Vanguard
Replies: 24
Views: 1149

Re: Transferring American Funds to Vanguard

02nz wrote:
Mon Oct 14, 2019 9:36 am
Some will correct me if I'm wrong but I believe the 12b-1 fee is part of the expense ratio.
According to most of the Prospectuses I've read, the 12b-1 fee (if there is one) is aggregated in as part of the quoted expense ratio.
by oldcomputerguy
Sat Oct 12, 2019 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Will Capital Gain Tax Change in the Next Couple of Years
Replies: 4
Views: 616

Re: Will Capital Gain Tax Change in the Next Couple of Years

This topic has run its course and is locked. Basing financial and investing decisions on conjecture can result in members making bad financial decisions to their detriment. For that reason, forum policy prohibits speculation on changes in tax laws or discussions of proposed or pending legislation. S...
by oldcomputerguy
Sat Oct 12, 2019 2:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1878
Views: 195230

Re: U.S. stocks continue to soar!

Several off-topic posts were removed. As a reminder, political comments are off-topic for the forum. See Unacceptable Topics:
In order to avoid the inevitable frictions that arise from these topics, political or religious posts and comments are prohibited.