Search found 3874 matches

by oldcomputerguy
Sat Apr 20, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 37
Views: 1758

Re: Apple MacBook Air - what to do next.

Any battery extending tips for stretching this out until I can get time off to go to an Apple store? powering it off completely, etc. - something like that? I may inadvertently be making the battery burn out sooner through my usage habits? By chance do you connect it to the charger when it doesn’t ...
by oldcomputerguy
Fri Apr 19, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: Medicare B only vs FEHB only
Replies: 11
Views: 555

Re: Medicare B only vs FEHB only

What is FEHB? It stands for Federal Employee Health Benefits--the health care coverage for Feds. A good number of different plans are available within FEHB, you can keep it once you retire (at the same cost as current employees) at full retirement age (57 for most folks), and it's generally conside...
by oldcomputerguy
Fri Apr 19, 2019 1:42 pm
Forum: Personal Consumer Issues
Topic: Medicare B only vs FEHB only
Replies: 11
Views: 555

Re: Medicare B only vs FEHB only

What is FEHB?
by oldcomputerguy
Thu Apr 18, 2019 5:06 pm
Forum: Personal Investments
Topic: 100% total market index for 10 years, wondering if I should have bonds and international
Replies: 16
Views: 1974

Re: 100% total market index for 10 years, wondering if I should have bonds and international

1a. Hold bonds in your pre-tax retirement accounts (401k), the reason being it's taxed when it comes out, so less growth = less tax. I'd put the foreign in the taxable account, the reason being there's a foreign tax credit (it's pretty negligible though). Why isn't this true about taxable accounts ...
by oldcomputerguy
Thu Apr 18, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: Final Word from Cyber Security types?-Password Manager for non-techie??
Replies: 43
Views: 1787

Re: Final Word from Cyber Security types?-Password Manager for non-techie??

I use KeePass for everything on my home PC. All my financial accounts have complex 20-character passwords, which were generated in KeePass. There are plugins in my Chrome browser and my KeePass installation that communicate with each other and allow Chrome to pull and populate username/password fie...
by oldcomputerguy
Thu Apr 18, 2019 12:51 pm
Forum: Investing - Theory, News & General
Topic: In which companies do you own a single share, or token amount, of stock?
Replies: 68
Views: 3399

Re: In which companies do you own a single share, or token amount, of stock?

In fact I do own one share (well, one and a bit thanks to DRIP) of my former employer. I guess it’s for sentimental reasons, although a small part of me considers it as ornery (forcing them to send me stockholders’ reports :twisted: ).
by oldcomputerguy
Thu Apr 18, 2019 12:46 pm
Forum: Personal Consumer Issues
Topic: Final Word from Cyber Security types?-Password Manager for non-techie??
Replies: 43
Views: 1787

Re: Final Word from Cyber Security types?-Password Manager for non-techie??

I use KeePass for everything on my home PC. All my financial accounts have complex 20-character passwords, which were generated in KeePass. There are plugins in my Chrome browser and my KeePass installation that communicate with each other and allow Chrome to pull and populate username/password fiel...
by oldcomputerguy
Thu Apr 18, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: Bogleheads privacy warning
Replies: 61
Views: 5208

Re: Bogleheads privacy warning

This thread is now in the "Personal Consumer Issues" forum. -- mod oldcomputerguy
by oldcomputerguy
Wed Apr 17, 2019 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security - How Secure?
Replies: 28
Views: 1453

Re: Social Security - How Secure?

A reminder, speculation about possible changes in law or government policies is off-topic. Discussion of economic preparedness and strategies for claiming Social Security should be okay.
by oldcomputerguy
Wed Apr 17, 2019 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Jury Duty questions
Replies: 20
Views: 2045

Re: Jury Duty questions

Does the notice of jury duty list specific dates? I've received several notices for jury duty, and in my case one of them conflicted with a vacation we had booked. I called the court, and they were very amenable to rescheduling my commitment. As for the "next steps", there often is some uncertainty ...
by oldcomputerguy
Wed Apr 17, 2019 5:56 am
Forum: Investing - Theory, News & General
Topic: VHT / XBI / XLV holders (healthcare)
Replies: 22
Views: 1166

Re: VHT / XBI / XLV holders (healthcare)

As a reminder, discussions of politics and hypothetical changes in laws are off-topic. Please confine the discussion to investing aspects of these sectors.

- Mod oldcomputerguy
by oldcomputerguy
Mon Apr 15, 2019 5:30 pm
Forum: Non-US Investing
Topic: Vanguard US or Australia
Replies: 7
Views: 471

Re: Vanguard US or Australia

This topic is now in the "Non-U.S. Investors" forum. (mod oldcomputerguy)
by oldcomputerguy
Mon Apr 15, 2019 2:29 pm
Forum: Personal Investments
Topic: Confused about IRA RMD date
Replies: 18
Views: 966

Re: Confused about IRA RMD date

Your first RMD is for the year 2020. It is based on your IRA balance as of 12/31/2019. You must take this RMD by 4/1/2021, and include it on your 2020 tax return which is due on 4/15/2021. If the OP were to delay the 2020 RMD until April 2021, wouldn't it be reported on the 2021 tax return filed in...
by oldcomputerguy
Mon Apr 15, 2019 2:14 pm
Forum: Personal Investments
Topic: Confused about IRA RMD date
Replies: 18
Views: 966

Re: Confused about IRA RMD date

Your first RMD is for the year 2020. It is based on your IRA balance as of 12/31/2019. You must take this RMD by 4/1/2021, and include it on your 2020 tax return which is due on 4/15/2021. If the OP were to delay the 2020 RMD until April 2021, wouldn't it be reported on the 2021 tax return filed in...
by oldcomputerguy
Mon Apr 15, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: Reading Glasses With Bluelight Filter
Replies: 7
Views: 479

Re: Reading Glasses With Bluelight Filter

Regarding the discussion of bluelight and whether it causes eye damage, just a reminder of forum policy: Medical Issues : 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...
by oldcomputerguy
Sun Apr 14, 2019 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 3866

Re: Relocating to Seattle from Baltimore Area

This thread has run its course and is locked (topic exhausted). See: Locked Topics Moderators or site admins may lock a topic (set it so no more replies may be added) when a violation of posting policy has occurred. Occasionally, even if there are no overt violations of posting policy, a topic (or ...
by oldcomputerguy
Sat Apr 13, 2019 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401(k) - Is this normal?
Replies: 35
Views: 1682

Re: Roth 401(k) - Is this normal?

As an aside, what IS "NetBenefits", anyway? We used to have to log in through "them", but now go directly to Fidelity, and then, same as before, see the accounts/holdings, and can make any transactions. It all looks the same, except we don't go "through" NetBenefits anymore (or, perhaps, aren't awa...
by oldcomputerguy
Sat Apr 13, 2019 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401(k) - Is this normal?
Replies: 35
Views: 1682

Re: Roth 401(k) - Is this normal?

I'd be more concerned that they used the term "after tax" rather than Roth. Roth is an after tax account in that you pay tax on the contributions, but an after-tax account is something different, so you should make very sure that you're making Roth contributions. That concerned me, too. However, ac...
by oldcomputerguy
Sat Apr 13, 2019 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401(k) - Is this normal?
Replies: 35
Views: 1682

Re: Roth 401(k) - Is this normal?

Thanks for the link. The article made my head spin a little, but it does ease my concern a bit. Sure seems like it would be a lot less complicated for them to simply start a separate Roth 401(k). You're welcome. I hope it helps. I did notice, by the way, that I inadvertently left out a link in my p...
by oldcomputerguy
Sat Apr 13, 2019 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401(k) - Is this normal?
Replies: 35
Views: 1682

Re: Roth 401(k) - Is this normal?

This normally would make me nervous as well. I'm not sure I'd trust them to keep it straight. It's good that you're tracking it separately. (I'd also strongly suggest you keep your statements from this account going forward.) However, this article seems to offer some guidance on how this money will ...
by oldcomputerguy
Sat Apr 13, 2019 6:34 am
Forum: Personal Consumer Issues
Topic: Received wrong vaccine...
Replies: 34
Views: 2930

Re: Received wrong vaccine...

This thread has run its course and is locked.

As a reminder, although discussion of payment for services (including insurance) is acceptable, discussion of medical issues themselves is outside the scope of the forum.
by oldcomputerguy
Fri Apr 12, 2019 11:12 pm
Forum: Personal Investments
Topic: Help selling mutual fun on Vanguard
Replies: 2
Views: 404

Re: Help selling mutual fun on Vanguard

Page A-19 from the above-linked Prospectus contains a description of the process for redeeming Units in the trust. It's a little confusing, at least to me; I'd give Vanguard another try, and provide them with this information (since you are holding the shares there).

Good luck.
by oldcomputerguy
Fri Apr 12, 2019 7:27 am
Forum: Personal Consumer Issues
Topic: What to see in Philly?
Replies: 87
Views: 5593

Re: What to see in Philly?

Forget all the touristy cheesesteak places. Dalessandro's in Roxborough is the best by far! Although Chubby's is pretty good and is right across the street and has fries. 100% true. NOBODY in philly thinks pats or Genos good. They are steak umm with cheese whiz. As for historical sights, see indepe...
by oldcomputerguy
Fri Apr 12, 2019 7:24 am
Forum: Personal Consumer Issues
Topic: What to see in Philly?
Replies: 87
Views: 5593

Re: What to see in Philly?

Glockenspiel wrote:
Thu Apr 11, 2019 9:18 pm
A city with possibly more historic significance than DC itself.
Indeed, according to the tour guide on our Independence Hall tour last October, Congress in fact met there (in a nearby building) before they began meeting in DC.
by oldcomputerguy
Fri Apr 12, 2019 6:09 am
Forum: Personal Investments
Topic: Pro's and Con's to using one investment account!
Replies: 16
Views: 1814

Re: Pro's and Con's to using one investment account!

I don't think there's anything inherently wrong with either having everything in one place or in having multiple homes for your investments. As noted above, there are multiple advantages to having them all in one place; some folks like the added security against intrusion that spreading them around ...
by oldcomputerguy
Thu Apr 11, 2019 3:34 pm
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.
Replies: 89
Views: 7394

Re: 2019 BOGLEHEADS CONFERENCE REGISTRATION OPEN ANNOUNCEMENT

+1 on Longwood Gardens. My wife took them in last year while we were in town; I think she may just hitch a ride with me this year back to Philly for the sole reason of going back to them.
by oldcomputerguy
Thu Apr 11, 2019 10:37 am
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.
Replies: 89
Views: 7394

Re: 2019 BOGLEHEADS CONFERENCE REGISTRATION OPEN ANNOUNCEMENT

On another note: Do you know when the e-mail will be going out with conference details and hotel information? Just to try to save many folks from having to ask the same question, here is the response I got in my email after emailing the "bogleheadsconference" email: You'll get a confirmation email ...
by oldcomputerguy
Thu Apr 11, 2019 9:19 am
Forum: US Chapters
Topic: 2019 BOGLEHEADS CONFERENCE DATES
Replies: 35
Views: 9341

Re: 2019 BOGLEHEADS CONFERENCE DATES

For those watching this thread, the announcement has been released here.
by oldcomputerguy
Thu Apr 11, 2019 8:56 am
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.
Replies: 89
Views: 7394

Re: 2019 BOGLEHEADS CONFERENCE REGISTRATION OPEN ANNOUNCEMENT

Wow. Talk about luck. Just happened to hit the forum and saw this. I'm in!

Eagerly awaiting hotel info.... :happy
by oldcomputerguy
Thu Apr 11, 2019 8:48 am
Forum: Personal Investments
Topic: Holding large unrealized gains in retirement
Replies: 3
Views: 524

Re: Holding large unrealized gains in retirement

Discussion of proposed or hypothetical regulations is off-topic. Please see Forum Policy.

This thread has been locked. -- mod oldcomputerguy
by oldcomputerguy
Wed Apr 10, 2019 3:37 pm
Forum: US Chapters
Topic: 2019 BOGLEHEADS CONFERENCE DATES
Replies: 35
Views: 9341

Re: 2019 Boglehead conference registration

Does anyone know the 2019 Boglehead conference registration dates? And how will we all be notified? Thank you The dates of the conference have been announced , but registration for the conference has not yet been opened. When registration opens, you will be notified by a posting here on Bogleheads.
by oldcomputerguy
Wed Apr 10, 2019 3:34 pm
Forum: US Chapters
Topic: 2019 BOGLEHEADS CONFERENCE DATES
Replies: 35
Views: 9341

Re: 2019 BOGLEHEADS CONFERENCE DATES

Old Blue Chair wrote:
Wed Apr 10, 2019 3:26 pm
Does anyone know when the 2019 Bogleheads conference registration dates are? Did I miss it ?
You haven't missed it. The conference dates have been announced (see above), but the conference registration has not yet. Stay tuned, it'll be announced in due course.
by oldcomputerguy
Tue Apr 09, 2019 4:49 pm
Forum: Personal Consumer Issues
Topic: Jacksonville, Fl Hotels
Replies: 6
Views: 369

Re: Jacksonville, Fl Hotels

[Post has been moved to Personal Consumer Issues -- mod oldcomputerguy]
by oldcomputerguy
Thu Apr 04, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Additional Costs for 3rd Child?
Replies: 74
Views: 2214

Re: Additional Costs for 3rd Child?

This thread has run its course, and has degenerated into personal attacks and disrespectful comments, and is locked. Forum Policy Section 2: This is a moderated forum. We expect this forum to be a place where people can feel comfortable asking questions and where debates and discussions are conducte...
by oldcomputerguy
Tue Apr 02, 2019 4:08 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 118
Views: 4460

Re: Scam alert - USPS new feature playing a role

We use Informed Delivery and some of this doesn't make sense. USPS has an identity verification process. My wife and I had to personally go to a post office to have our identity verified. Same here. I tried to set up Informed Delivery for my PO box (so I could see if something was there that warran...
by oldcomputerguy
Tue Apr 02, 2019 8:44 am
Forum: Personal Investments
Topic: Invest in cryptocurrency?
Replies: 19
Views: 1439

Re: Invest in cryptocurrency?

Valuethinker wrote:
Tue Apr 02, 2019 2:53 am
If you have something whose only return to owners is someone else putting a higher value on it, then it's extremely speculative, and barely counts as an investment -- I would not count it at all.
To me that pretty much meets the precise definition of a pyramid swindle.
:shock:
by oldcomputerguy
Tue Apr 02, 2019 6:46 am
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 36
Views: 3219

Re: Boglehead Pilots...advice

I took my certificate a couple of decades ago, so my experience with training is not up to date. But here are a few thoughts, for what they're worth. Getting the ground training done ahead of time is a very good idea. The stuff you'll do in the cockpit will make a lot more sense, and those flying ho...
by oldcomputerguy
Tue Apr 02, 2019 6:05 am
Forum: Personal Investments
Topic: Seeking general assessment of my portfolio
Replies: 8
Views: 533

Re: Seeking general assessment of my portfolio

Welcome to the forum! :beer

You'll get responses that will be more helpful to you if you follow the request guidelines in this post.
by oldcomputerguy
Tue Apr 02, 2019 5:58 am
Forum: Personal Finance (Not Investing)
Topic: Can one make Roth IRA contributions without having earned income?
Replies: 24
Views: 2024

Re: Can one make Roth IRA contributions without having earned income?

Rather than move money to taxable accounts, convert it to a Roth IRA. You pay the same taxes either way. However, dividends and capital gains in a Roth are tax free. The money is in a 401K, and since I will not have earned income I cannot move it to either a traditional IRA or a Roth IRA, according...
by oldcomputerguy
Tue Apr 02, 2019 5:48 am
Forum: Investing - Theory, News & General
Topic: IF we enter a financial crisis in the future, how are you going to adjust?
Replies: 57
Views: 3622

Re: IF we enter a financial crisis in the future, how are you going to adjust?

I have done as you suggest. I have reduced stock exposure but even bonds are not safe IMO. I asked the question originally in the sense have you people asked yourself what you will do if essentially the system nears collapse due to the unfunded liabilities of government and pensions, the debt load,...
by oldcomputerguy
Tue Apr 02, 2019 5:41 am
Forum: Investing - Theory, News & General
Topic: IF we enter a financial crisis in the future, how are you going to adjust?
Replies: 57
Views: 3622

Re: IF we enter a financial crisis in the future, how are you going to adjust?

I ask this as a "what if" going forward. There is more debt worldwide than ever before. There are no longer "normal" interest rates. All currencies are merely fiat faith based paper. Many pensions will not meet their obligations in the future. With respect, wow, this sounds just like a lot of the f...
by oldcomputerguy
Tue Apr 02, 2019 5:11 am
Forum: Personal Consumer Issues
Topic: Frequent flyers: quality of airline onboard wifi?
Replies: 9
Views: 562

Re: Frequent flyers: quality of airline onboard wifi?

Howdy Bogleheads - Late this month I'm gonna be taking a couple of cross-country flights on Delta. It's been about 2 1/2 years since the last time I got on a plane. Back then, as I recall, the quality of the wifi was pretty lousy. I basically couldn't get it to work. I'm just wondering if onboard w...
by oldcomputerguy
Mon Apr 01, 2019 5:41 am
Forum: Investing - Theory, News & General
Topic: What is the Boglehead opinion of the inverted yield curve?
Replies: 63
Views: 5019

Re: What is the Boglehead opinion of the inverted yield curve?

I don't have an "opinion". It is what it is. It won't affect my asset allocation, so (to paraphrase Alfred E. Newman) why worry?
by oldcomputerguy
Sun Mar 31, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep own set of banking ledgers?
Replies: 38
Views: 1467

Re: Should I keep own set of banking ledgers?

I do not do such for credit cards, but yes, I absolutely keep a ledger of every transaction in my checking account. That ledger is a spreadsheet,and it does the math automatically to compare to the totals in my budget spreadsheet and gives me a figure showing how close I am to going over budget for ...
by oldcomputerguy
Sat Mar 30, 2019 7:08 am
Forum: Personal Investments
Topic: How to handle IRA
Replies: 4
Views: 323

Re: How to handle IRA

This is very likely a very beginner's question, thank you in advance for your patience and help. I am already maxed out for my 2019 IRA, and I am saving monthly. The money I save will now go into a Vanguard taxable account, however, I was thinking that, come 2020, I could max out the 2020 IRA contr...
by oldcomputerguy
Sat Mar 30, 2019 5:18 am
Forum: Personal Investments
Topic: What non-Vanguard funds to buy in Fidelity 401k BrokerageLink?
Replies: 12
Views: 600

Re: What non-Vanguard funds to buy in Fidelity 401k BrokerageLink?

First off, what funds are available within the 401k plan itself? Depending on what your options are there, you may not even need BrokerageLink. If you can list what investment fund options available in your plan, along with their tickers and/or expense ratios, you'll likely get some great help from ...
by oldcomputerguy
Fri Mar 29, 2019 8:46 pm
Forum: Personal Investments
Topic: How often do you check your accounts?
Replies: 53
Views: 2936

Re: How often do you check your accounts?

Back a few years ago, I too was rather obsessive and looked at my accounts frequently. Then I got bored. These days, I get an email from Fidelity each morning showing the balance of each of my accounts there, not so much to track the amounts (I couldn't tell you from one day to the next whether any ...
by oldcomputerguy
Fri Mar 29, 2019 8:25 pm
Forum: Personal Investments
Topic: Experience with Edward Jones?
Replies: 76
Views: 6723

Re: Experience with Edward Jones?

neveragain wrote:
Thu Mar 28, 2019 9:26 pm
These people at EJ don't have their clients best interest in mind at all.
That says it all.
:sharebeer
by oldcomputerguy
Fri Mar 29, 2019 8:09 pm
Forum: Personal Investments
Topic: invest with one company or more than one?
Replies: 10
Views: 923

Re: invest with one company or more than one?

Newbie here. Sorry if the question sounds stupid. I have finally saved 200+k over the past 10 years. I am considering building a portfolio with either Vanguard or Fidelity or both. If I continue to accumulate is there a threshold or cap you would use for investing with one company? One of my friend...