Search found 2071 matches

by oldcomputerguy
Tue Dec 12, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Play money individual stocks, which ones?
Replies: 33
Views: 1055

Re: Play money individual stocks, which ones?

Admiral wrote:
Tue Dec 12, 2017 9:33 am
None. I use my play money for vacations. :beer
+1. DW and I just got back last night from ten days in Jamaica. Much better return.

:beer
by oldcomputerguy
Mon Dec 11, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Done gone and did it [Retire]
Replies: 70
Views: 5526

Re: Done gone and did it

Come on in, the water is fine!

Congratulations!!
:beer
by oldcomputerguy
Mon Dec 11, 2017 6:31 am
Forum: Investing - Theory, News & General
Topic: Is Santa Claus Coming To Town?
Replies: 9
Views: 1500

Re: Is Santa Claus Coming To Town?

Who knows? My crystal ball is broken.
by oldcomputerguy
Mon Dec 11, 2017 6:29 am
Forum: Personal Consumer Issues
Topic: Linux based laptop or just a Windows based laptop formatted?
Replies: 42
Views: 2177

Re: Linux based laptop or just a Windows based laptop formatted?

azurekep wrote:
Sun Dec 10, 2017 6:19 pm
FWIW, I did try this several months ago and created a Win10 VM. Trouble is, on a 4GB RAM machine, a Win10 VM runs a bit slow so I ended up deleting it.
Frankly, i’m surprised it worked at all. I had trouble even getting Win 7 to run in a usable state directly on bare metal with less than 16 gb.
by oldcomputerguy
Mon Dec 11, 2017 6:25 am
Forum: Personal Consumer Issues
Topic: Linux based laptop or just a Windows based laptop formatted?
Replies: 42
Views: 2177

Re: Linux based laptop or just a Windows based laptop formatted?

The two things I use most on my windows computers that I am having trouble with on Linux is a replacement for Excel that works as well (I like the 20% of excel that few people use) and the windows file system, which has an excellent GUI and I'm familiar writing scripts for in the cmd shell. What is...
by oldcomputerguy
Mon Dec 11, 2017 6:19 am
Forum: Personal Consumer Issues
Topic: Linux based laptop or just a Windows based laptop formatted?
Replies: 42
Views: 2177

Re: Linux based laptop or just a Windows based laptop formatted?

Regarding your comment that a firewall is only for servers, that might be the worst piece of advice I've ever heard. +1. I run Mint at home, and not only do I have a software firewall enabled, i’m running behind a hardware firewall sitting between my network and the AT&T modem. Call me paranoid...
by oldcomputerguy
Mon Dec 11, 2017 6:14 am
Forum: Personal Consumer Issues
Topic: Linux based laptop or just a Windows based laptop formatted?
Replies: 42
Views: 2177

Re: Linux based laptop or just a Windows based laptop formatted?

You can do a little research and increase your odds of finding a Linux-compatible laptop, but generally if you buy one that turns out not to be fully compatible (and many, many still aren't) your odds are still pretty good that you can run it in as a VM. When I scan Linux forums, it seems lke 95% o...
by oldcomputerguy
Sun Dec 10, 2017 6:34 pm
Forum: Investing - Theory, News & General
Topic: Buying index funds is just as speculative as buying Bitcoin
Replies: 64
Views: 3757

Re: Buying index funds is just as speculative as buying Bitcoin

I see a lot of talk calling bitcoin a bubble. This is my alternative perspective on the situation. I believe in bitcoin as a technology. I believe in bitcoin as a currency. And I believe in bitcoin as a store of my wealth. Would you feel the same way if tomorrow Bitcoin dropped to below what you pa...
by oldcomputerguy
Sun Dec 10, 2017 11:13 am
Forum: Investing - Theory, News & General
Topic: likely date for a bitcoin crash: does this make sense to you?
Replies: 38
Views: 2245

Re: likely date for a bitcoin crash: does this make sense to you?

Nobody know nuthin’. Predictions of the exact time frame of the next crash (Bitcoin or anything else) are worthless.
by oldcomputerguy
Sun Dec 10, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Help Choosing a Fidelity Bond Index Fund
Replies: 19
Views: 919

Re: Help Choosing a Fidelity Bond Index Fund

retiredjg, You're right, FTBSX is not an index fund, but I just double checked and its expense ratio is no higher than the index fund, FSITX, which is .045%, according to Fidelity's website. Check your decimal point. One is . 0 45% and one is .45% . That is a significant difference (.4%) in my book...
by oldcomputerguy
Sun Dec 10, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Help Choosing a Fidelity Bond Index Fund
Replies: 19
Views: 919

Re: Help Choosing a Fidelity Bond Index Fund

There's no particular reason you should look at star ratings in terms of selecting funds, and especially so for index funds. They're more a tool to understand what has happened. They're not an indication of what you should use. Indeed. Morningstar themselves have explicitly stated that their star-r...
by oldcomputerguy
Sun Dec 10, 2017 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Which version of tax software?
Replies: 10
Views: 357

Which version of tax software?

To those who use tax software such as TurboTax and such, a question regarding which version I would need. I retired from my position of 36 years this past January. My replacement came on board about three days before I punched out. Rather than leave them in the situation of him being 7ntrained, I di...
by oldcomputerguy
Sun Dec 10, 2017 9:42 am
Forum: Forum Issues and Administration
Topic: Thank you Admins
Replies: 18
Views: 1446

Re: Thank you Admins

I also helped moderate a high volume investing board for years. After years of success with strict moderation policies the new owners of the board decided that "eyeballs" were the most important metric (over time it had become ad-supported). The board I helped with was ad-free and volunteer-driven,...
by oldcomputerguy
Sun Dec 10, 2017 9:01 am
Forum: Investing - Theory, News & General
Topic: An argument for investing in bitcoin
Replies: 10
Views: 588

Re: An argument for investing in bitcoin

Wouldn't this just be speculation? Similar to precious metals, pork bellies, and the like? Maybe a step beyond, close to gambling? I guess if speculation and/or gambling has a role in your portfolio for some reason, then maybe? Part of my point is that we might be to adverse to things that could be...
by oldcomputerguy
Sat Dec 09, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Danger of being a helicopter pilot?
Replies: 40
Views: 3538

Re: Danger of being a helicopter pilot?

Do you have any time logged in any other types of aircraft? Licensees / certificates? I'm a Private Pilot (ASEL - Airplane Single Engine Land). I love flying and would encourage everyone to sit in the cockpit at least once in their life. There is nothing quite like your first time taking the contro...
by oldcomputerguy
Sat Dec 09, 2017 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Deferring First RMD
Replies: 16
Views: 772

Re: Deferring First RMD

I’m not entirely clear on your proposed game plan. The way I read it, you seem to be wanting to protect the $55k from RMDs by rolling it into the 401k. But 401k’s are subject to RMDs when the holder turns RMD age. So i’m not sure what you expect to gain.
by oldcomputerguy
Fri Dec 08, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads say when they don't want to spend money?
Replies: 103
Views: 5303

Re: What do Bogleheads say when they don't want to spend money?

Question for you... When most people don't want to spend money on something, they often say they can't afford it. This is probably an accurate statement for most people to make. However, Bogleheads are not average, and it's definitely not accurate for many of us. We certainly can afford a lot of th...
by oldcomputerguy
Fri Dec 08, 2017 11:49 am
Forum: Forum Issues and Administration
Topic: Thank you Admins
Replies: 18
Views: 1446

Re: Thank you Admins

Having helped moderate a high-volume forum for a number of years, I can say without doubt that it’s not trivial. I am constantly impressed at how well this board is run and maintained. Please add my thanks to others’.
by oldcomputerguy
Fri Dec 08, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: United Airline Mileage question
Replies: 4
Views: 334

Re: United Airline Mileage question

Don’t know about United, but in the Delta Terms and Conditions it says explicitly that flights must be operated by a Delta in order to earn points, that codeshare flights which are not operated by Delta don’t count. Look at the fine print of your program.
by oldcomputerguy
Fri Dec 08, 2017 11:39 am
Forum: Investing - Theory, News & General
Topic: Call the Top!
Replies: 29
Views: 2478

Re: Call the Top!

There is no top. It will go up, it will go down, it will go up and then down again. How about a contest to call the top for 2017? Sort of like the Bogleheads S&P500 contest? Make your prediction of the top. If the market exceeds your call point, you lose. If it doesn’t by the end of the year, you w...
by oldcomputerguy
Fri Dec 08, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3342

Re: Please suggest a dry hands product

Neutrogena fast absorbing hand cream applied to your hand over night - works for me every time, just make sure you really only applied a SMALL dab every day and distribute thoroughly - bottle lasts forever... This. I use Neutrogena on my hands in the winter when they get dry and my fingertips crack...
by oldcomputerguy
Fri Dec 08, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Move to International Stock Fund?
Replies: 7
Views: 338

Re: Move to International Stock Fund?

My thought:

Decide what you want your portfolio to hold, from a practical and theoretical standpoint, then keep to your plan. Don’t base investing decisions on where the market is today, that’s a sure-fire recipe for sub-optimal returns.
by oldcomputerguy
Thu Dec 07, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: SSN on job applications
Replies: 33
Views: 1706

Re: SSN on job applications

I agree. It is a sketchy practice. I hate it when they also ask for references on the initial application. Yes, agreed. I thought the suggestion to write "SSN available upon offer" wasn't a bad idea. If they questioned me as to why, I could always keep it brief and say something like, "My info was ...
by oldcomputerguy
Thu Dec 07, 2017 2:00 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing for a loss??
Replies: 10
Views: 767

Re: Rebalancing for a loss??

Your portfolio began at a certain proportion of stocks to bonds (say, 60/40). Over time, as the market shifts, that proportion may drift away from the target, for example it might drift to 50/50. Rebalancing is the act of bringing your portfolio back to the target allocation. So in this example, you...
by oldcomputerguy
Thu Dec 07, 2017 8:06 am
Forum: Investing - Theory, News & General
Topic: Is SEC Yield a good way to pick a bond fund?
Replies: 9
Views: 1099

Re: Is SEC Yield a good way to pick a bond fund?

SEC yield is calculated over the past 30 days. In a case of moderate to high volatility, it’s not impossible for the yield over the past 30 days to be way out of whack compared to long-term yields.The share price of STIP took a bit of a dip over the past month,so it’s not that surprising that yield ...
by oldcomputerguy
Thu Dec 07, 2017 6:56 am
Forum: Investing - Help with Personal Investments
Topic: Balancing across multiple accounts, and for tax efficiency
Replies: 11
Views: 1086

Re: Balancing across multiple accounts, and for tax efficiency

I would do what you intend to do, which I will repeat here: 1. Put all your bond allocation in your 401(k) which I think would be the PIMCO Total Return fund if I read things correctly. 2. That should leave only a little bit room for equities, but this account will be used for rebalancing between e...
by oldcomputerguy
Thu Dec 07, 2017 6:47 am
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 4804

Re: I received a speeding ticket via mail from IA - should I pay it?

I doubt its as big of deal as some here think. There’s a reason some states make out of state drivers pay tickets on the spot with a credit card, people don’t pay them otherwise. A bench warrant issued for one speeding ticket? Its possible I guess. But I doibt it. Even then they’d need to pull you ...
by oldcomputerguy
Tue Dec 05, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Vegas on a budget
Replies: 49
Views: 3607

Re: Vegas on a budget

Margaritaville, on the Strip inside Flamingo, right across the Strip from Bellagio. “Cheeseburger in Paradise”! Cheeseburger in Paradise is actually a completely separate Buffet-owned restaurant. :D We used to have one by me, but it closed about 5 years ago. I heard a rumor that the Margaritaville ...
by oldcomputerguy
Tue Dec 05, 2017 7:08 am
Forum: Personal Consumer Issues
Topic: Vegas on a budget
Replies: 49
Views: 3607

Re: Vegas on a budget

Margaritaville, on the Strip inside Flamingo, right across the Strip from Bellagio. “Cheeseburger in Paradise”!
by oldcomputerguy
Mon Dec 04, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage is About To Be Paid - I'm Scared!
Replies: 43
Views: 5638

Re: Mortgage is About To Be Paid - I'm Scared!

Don’t be scared. You already have quite a bit of equity in the home, which means you own most of it now. This will only mean you own the last little bit.

We paid off our mortgage a couple of years ago. Felt great. No worries, no regrets, NO DEBT.
by oldcomputerguy
Mon Dec 04, 2017 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: withdraw 457B 2017 or 2018
Replies: 2
Views: 181

Re: withdraw 457B 2017 or 2018

Board policy expressly prohibits discussion of proposed legislation, and particularly discussion of courses of action based on such proposed legislation.
by oldcomputerguy
Mon Dec 04, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Status Money website - good or bad?
Replies: 5
Views: 1010

Re: Status Money website - good or bad?

Why should I base financial decisions on what others in my area are doing?
by oldcomputerguy
Sat Dec 02, 2017 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Mint.com or PersonalCapital.com
Replies: 11
Views: 1009

Re: Mint.com or PersonalCapital.com

I use a spreadsheet I built. Using either Mint or Personal Capital involves giving them the password to my investment accounts, and if someone successfully hacks my account, I suspect the holding company will use that to try to disclaim responsibility. Besides, how hard is it to manually update a sp...
by oldcomputerguy
Sat Dec 02, 2017 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: I soooo want to embrace the 3 fund portfolio, but...
Replies: 25
Views: 2892

Re: I soooo want to embrace the 3 fund portfolio, but...

Do I even worry about trying to time anything? I know that's not a Boglehead theory, but I'm talking about a substantial amount of investments... I strongly concur with those who recommend you stay put while you read and educate yourself. I wish I had some time back, failing to do so cost me severa...
by oldcomputerguy
Sat Dec 02, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Cash
Replies: 14
Views: 1050

Re: 401k Cash

He is charging 0.75% for the first year, then 0.5% after that. I don't think the cash is exempt from the total. I told him I was reluctant to use an advisor and he would have to convince me that he could do better than I could by at least his fee. Not looking good at this point. Why should he be pa...
by oldcomputerguy
Sat Dec 02, 2017 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: How will i be taxed when switching jobs?
Replies: 25
Views: 1406

Re: How will i be taxed when switching jobs?

If your employer is a US employer, I think they will be required to follow IRS Publication 15.
by oldcomputerguy
Thu Nov 30, 2017 3:38 pm
Forum: Investing - Theory, News & General
Topic: What can we learn from BitCoin’s surge?
Replies: 37
Views: 3085

Re: What can we learn from BitCoin’s surge?

I worried it was a bubble when I saw Allan Roth buy some. I'll know it's a bubble when Taylor Larimore buys some. That's your indication to sell. It will definitely go down once I buy. I am yet to buy bitcoin. Did you buy today?? Reuters is reporting that Bitcoin lost about 20% today. :shock:
by oldcomputerguy
Thu Nov 30, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor created potential Roth IRA issue
Replies: 11
Views: 1149

Re: Financial Advisor created potential Roth IRA issue

I guess it is possible this guy has committed you into tax fraud. It might be you should see a tax attorney. It might make a big difference whether or not you were a minor at the time. I imagine that legally you set up a fraudulent Roth as an FA has no standing to "do it for you." Maybe I'm just si...
by oldcomputerguy
Thu Nov 30, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Who are heirs? No will.
Replies: 38
Views: 3334

Re: Who are heirs? No will.

This might help. Indiana Code Title 29: (d) The share of the net estate not distributable to the surviving spouse, or the entire net estate if there is no surviving spouse, shall descend and be distributed as follows: (1) To the issue of the intestate, if they are all of the same degree of kinship t...
by oldcomputerguy
Thu Nov 30, 2017 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Simple 3 fund portfolio in 401k - help?
Replies: 6
Views: 529

Re: Simple 3 fund portfolio in 401k - help?

One option would be simply to invest in the Vanguard S&P 500 fund and the PIMCO Total Return fund in the 401k, then if you wish some international, put that in your Roth account or a taxable account.
by oldcomputerguy
Thu Nov 30, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Older Software Engineer Advice ~ Languages?
Replies: 41
Views: 3258

Re: Older Software Engineer Advice ~ Languages?

COBOL85? TAL (Transaction Application Language)? FORTRAN IV!! Yes, indeed. Those were the days (long gone, I'm afraid). :( Gone but not forgotten. My very first computer book ever (Donald H. Ford's "Basic FORTRAN IV Programming", copyright 1971) still occupies a place of honor on my bookshelf, righ...
by oldcomputerguy
Thu Nov 30, 2017 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Who are heirs? No will.
Replies: 38
Views: 3334

Re: Who are heirs? No will.

This article from Nolo on settling an estate without a will might help. Also, try googling for "intestacy law" for your state. Given the circumstances, I'd also suggest googling the terms "per stirpes" and "per capita". Once you have some idea of how things will proceed, I'd suggest contacting a pr...
by oldcomputerguy
Wed Nov 29, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Older Software Engineer Advice ~ Languages?
Replies: 41
Views: 3258

Re: Older Software Engineer Advice ~ Languages?

samsoes wrote:
Wed Nov 29, 2017 6:26 pm
COBOL85?
TAL (Transaction Application Language)?
FORTRAN IV!!
by oldcomputerguy
Wed Nov 29, 2017 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Contribution 2018
Replies: 28
Views: 1590

Re: 401k Contribution 2018

I've the options of contributing entire amount of $18,500 for 2018 towards 401k in lump sum in month of Jan or spread over 12 months. While contributing lump sum has advantage of longer growth period, spreading over 12 months supports the idea of dollar cost averaging. Please advise which method is...
by oldcomputerguy
Wed Nov 29, 2017 5:10 pm
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 9445

Re: Which crash have you seen it before it is coming?

In an episode of "M*A*S*H", Klinger makes a comment that he had an aunt that had a premonition of the Pearl Harbor attack. Thing is, she got it on December 11.

Nobody knows nuthin.
by oldcomputerguy
Wed Nov 29, 2017 2:19 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1923
Views: 1180633

Re: The Three-Fund Portfolio

do any investors in the three fund portfolio have their reinvestment automated? I have it setup so I have automatic monthly contributions on the 5th business day of every month at Schwab. Just curious if anyone else is on autopilot. Are you asking about investment or about re-investment? The way yo...
by oldcomputerguy
Wed Nov 29, 2017 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones trap
Replies: 45
Views: 5214

Re: Edward Jones trap

My sister and her husband switched to Edward Jones and I want to persuade them to leave... her mother-in-law introduced EJ to them. Mmm... this is a minefield. You run the risk of alienating not only your sister and her husband but the mother-in-law as well. Be really careful. Sister said, “Since w...
by oldcomputerguy
Wed Nov 29, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: Fido broken?
Replies: 20
Views: 1157

Re: Fido broken?

ResearchMed wrote:
Wed Nov 29, 2017 12:41 pm
NEW ANNOUNCEMENT (fixed):

"Service Alert: We understand that some clients have been unable to log in due to an internal technical issue. The issue has been resolved at this time. Please try again."

RM
Yep. Fixed.