Search found 3616 matches

by oldcomputerguy
Fri Jan 18, 2019 5:46 am
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 270
Views: 45797

Ally online savings now at 2.20%

And the beat goes on...

Email from Ally this morning, they're at 2.2%
by oldcomputerguy
Thu Jan 17, 2019 7:56 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 818
Views: 39709

Re: John Bogle is dead at 89

LadyGeek wrote:
Wed Jan 16, 2019 5:54 pm
FYI - I will change the forum header to gray to put us in a state of mourning. Let me catch up first.
I noted the visible change earlier, it seems to have reverted back to the stock header now.
by oldcomputerguy
Thu Jan 17, 2019 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity app now has fingerprint login
Replies: 24
Views: 1445

Re: Fidelity app now has fingerprint login

CalculatedRisk wrote:
Thu Jan 17, 2019 12:24 am
iPhone is more secure than your “religiously updated” computer.
Not mine.

Image
by oldcomputerguy
Wed Jan 16, 2019 9:34 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 818
Views: 39709

Re: John Bogle is dead at 89

Sad news indeed. Thank you, Mr. Bogle, for all you did for us.

:(
by oldcomputerguy
Wed Jan 16, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 58
Views: 6820

Re: Who's flying?

Update on my earlier post: We flew from Heathrow to Atlanta yesterday, en route to our home airport. Immigration at Atlanta was smooth (Global Entry). However, after we passed that gauntlet and re-checked our bags for the homeward leg, we encountered absolute chaos at the security re-screening. Supp...
by oldcomputerguy
Fri Jan 11, 2019 11:56 am
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 7762

Re: United, American Airlines, Delta--about the same?

Going by what the article said, it looks like the family was attempting a couple of things that were violations of FAA regulations, so it doesn’t seem to be the same situation as the UA incident. I assume you're referring to this Actually, no, I was referring to the allegation that they had purchas...
by oldcomputerguy
Fri Jan 11, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 58
Views: 6820

Re: Who's flying?

Flew out of TYS bound for Barcelona Jan 3, noticed nothing different. TSA Precheck still worked. Departing London Heathrow and re-entering the US through Atlanta in four days, should be interesting.
by oldcomputerguy
Fri Jan 11, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 7762

Re: United, American Airlines, Delta--about the same?

My $0.02 for what it’s worth... Actual in-flight service hasn’t been a factor for my choice of an airline, one is roughly like another plus/minus good/bad days. Like one of the other posters mentioned, I am absolutely put off United due to their demonstrated contempt for passenger rights and safety...
by oldcomputerguy
Fri Jan 11, 2019 4:21 am
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 7762

Re: United, American Airlines, Delta--about the same?

My $0.02 for what it’s worth... Actual in-flight service hasn’t been a factor for my choice of an airline, one is roughly like another plus/minus good/bad days. Like one of the other posters mentioned, I am absolutely put off United due to their demonstrated contempt for passenger rights and safety ...
by oldcomputerguy
Fri Jan 11, 2019 4:07 am
Forum: Investing - Help with Personal Investments
Topic: International debate again!!
Replies: 16
Views: 1132

Re: International debate again!!

I’m at 30%. I was at 30% yesterday, and will be at 30% tomorrow. I don’t care what Vanguard does. 30% is where I’ve decided I want to be.

Stay the course
by oldcomputerguy
Thu Jan 10, 2019 2:46 am
Forum: Personal Consumer Issues
Topic: Expensive DSLR through airport security
Replies: 45
Views: 3009

Re: Expensive DSLR through airport security

I hadn't either until I flew last month. They are now asking for everything electronic bigger than a phone to be pulled out. DW and I left last week for Barcelona. I had my EOS kit in a camera bag which was then stuffed down inside a backpack, I just put the backpack through the X-ray with no issue...
by oldcomputerguy
Wed Jan 09, 2019 4:10 am
Forum: Investing - Theory, News & General
Topic: Your Vanguard Page
Replies: 32
Views: 2855

Re: Your Vanguard Page

From someone who used to look two or three times a day, a word of advice: You need to stop looking. It will drive you crazy and make it that more probable that you’ll make some behavioral mistake. I log on once a month to download my statements (and to make sure that haven’t been hacked), otherwise ...
by oldcomputerguy
Tue Jan 08, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: I bought a new iPad on sale...should I have?
Replies: 38
Views: 2535

Re: I bought a new iPad on sale...should I have?

Keep it. Great for travel. I have an iPad Air 2, and am using it to post this from a cruise ship off the coast of Spain. I also use it for email and texts back and forth to/from family while traveling, and I use the Kindle app in place of a hardware Kindle. I also have some movies loaded upon it, an...
by oldcomputerguy
Tue Jan 08, 2019 1:47 am
Forum: Personal Consumer Issues
Topic: TV antennas...
Replies: 35
Views: 2626

Re: TV antennas...

Some did. Most elected to stay on their UHF channels because computer prediction showed that coverage of 8VSB-modulated signals would be better in some areas on UHF than it would be at VHF. In at least our own town, this was borne out when the local NBC affiliate, who was on channel 10 analog / cha...
by oldcomputerguy
Mon Jan 07, 2019 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Elders....A young buck needs your help!
Replies: 15
Views: 1238

Re: Elders....A young buck needs your help!

goblue100 wrote:
Mon Jan 07, 2019 12:21 pm
You didn't mention the interest rate.
OP indicates 4%.
by oldcomputerguy
Sun Jan 06, 2019 10:02 am
Forum: Investing - Help with Personal Investments
Topic: 3-fund @ Fidelity - Bond
Replies: 6
Views: 328

Re: 3-fund @ Fidelity - Bond

FTBFX is not an index fund, has a higher expense ratio and is heavier on commercial bonds.
by oldcomputerguy
Sat Jan 05, 2019 1:55 am
Forum: Personal Consumer Issues
Topic: TV antennas...
Replies: 35
Views: 2626

Re: TV antennas...

FWIW, the quality of OTA HD is far superior to satellite or cable TV HD imagery. This always used to drive me nuts watching DirecTV in our home. They (and I suppose the other vendors as well) used much higher compression (lower bit rates) on video than the local DTV stations did, which ended up cau...
by oldcomputerguy
Sat Jan 05, 2019 1:48 am
Forum: Personal Consumer Issues
Topic: TV antennas...
Replies: 35
Views: 2626

Re: TV antennas...

Used to be twinlead because stations used to be VHF only. Almost all stations these days are UHF as a side effect of the 2009 digital cutover. You don’t want to use twinlead with UHF. After the analog shutdown, many stations moved their digital broadcasts from UHF to high-VHF (7-13). After the curr...
by oldcomputerguy
Fri Jan 04, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: TV antennas...
Replies: 35
Views: 2626

Re: TV antennas...

Over the air TV stations are all now digital. The good news with this is that instead of their signal being required to reach 50 miles, they now have to reach 75 miles. Actually, the FCC mandated in their calculations governing licensed power for DTV transmitters that coverage area would be replica...
by oldcomputerguy
Fri Jan 04, 2019 3:09 pm
Forum: Personal Consumer Issues
Topic: TV antennas...
Replies: 35
Views: 2626

Re: TV antennas...

Almost any conductor will act like a bad antenna. A GOOD antenna will be connected to the receiver using a good transmission line (used to be twinlead designed for this purpose), will be placed as high as possible, clear of all structures, and with no intervening objects between it and the transmit...
by oldcomputerguy
Fri Jan 04, 2019 12:11 am
Forum: Investing - Theory, News & General
Topic: What do you think of this advice?
Replies: 62
Views: 4215

Re: What do you think of this advice?

l1am wrote:
Wed Jan 02, 2019 8:15 pm
What should I do during a stock market crash?

Quora link: https://qr.ae/TUnNcK

tldr on advice:
  1. Learn how to perform at least basic technical analysis.
I didn’t read the linked material. This one line is enough to tell me to ignore it.
by oldcomputerguy
Wed Jan 02, 2019 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Can frozen credit cause problems opening an HSA?
Replies: 9
Views: 630

Re: Can frozen credit cause problems opening an HSA?

I’m glad it worked out. I’m not surprised at something like this. Hopefully there would be a “catch” after the first paycheck when Optum returns the funds to the employer. But yeah, it would be nice if Optum had simply called to ask or even sent a letter to the PO Box explaining the concern. Or sin...
by oldcomputerguy
Wed Jan 02, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Can frozen credit cause problems opening an HSA?
Replies: 9
Views: 630

Re: Can frozen credit cause problems opening an HSA?

Thus, while YMMV, I would say that an employer-triggered HSA opening is unlikely to run into issues. Have you called Optum and checked with them vs. your spouse's employer? Follow-up: DW called her HR guys Monday afternoon, they told her that all the paperwork had been submitted for all the employe...
by oldcomputerguy
Wed Jan 02, 2019 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: VG advises 15% International Bonds (VTABX)... Why?
Replies: 48
Views: 3410

Re: VG advises 15% International Bonds (VTIAX)... Why?

Um, forgive me for pointing this out, but VTIAX is international stock, not bonds.
by oldcomputerguy
Tue Jan 01, 2019 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard International Fund down for year?
Replies: 16
Views: 869

Re: Vanguard International Fund down for year?

Jesteroftheswamp wrote:
Tue Jan 01, 2019 3:40 pm
jhfenton wrote:
Tue Jan 01, 2019 3:33 pm
VTIAX (Vanguard Total International Admiral) was down 14.43% in 2018.
Down from what?? How do I know if I gained or lost $$$?
Compare the price at which you bought to the price today. If today's price is less, you lost money. If today's price is more, you gained.
by oldcomputerguy
Tue Jan 01, 2019 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard International Fund down for year?
Replies: 16
Views: 869

Re: Vanguard International Fund down for year?

jhfenton wrote:
Tue Jan 01, 2019 3:33 pm
VTIAX (Vanguard Total International Admiral) was down 14.43% in 2018.
According to Yahoo Finance, VTIAX opened on January 1 at 30.85 and closed December 31 at 25.37, which works out to a change of 17.76%.
by oldcomputerguy
Tue Jan 01, 2019 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Can frozen credit cause problems opening an HSA?
Replies: 9
Views: 630

Re: Can frozen credit cause problems opening an HSA?

It is possible today that your wife could create/ logon to the account and see what it says, so she should attempt that. I had thought of that, but unfortunately part of the material we have not yet received is instructions for logging on to the account. In fact we have received nothing specific to...
by oldcomputerguy
Tue Jan 01, 2019 7:25 am
Forum: Investing - Help with Personal Investments
Topic: What is the expected real return of S&P 500 for the next 30 years?
Replies: 51
Views: 4310

Re: What is the expected real return of S&P 500 for the next 30 years?

S&P 500's long-term real return is 7%, however for the past 19 years (since 2000) it's just 3%, despite the long bull market and low inflation. True, this was the annualized nominal return during your chosen time period. However, if instead of looking at the last 19 years we looked at the last 17 y...
by oldcomputerguy
Tue Jan 01, 2019 5:59 am
Forum: Personal Consumer Issues
Topic: Why doesn't my iphone (5c) ring when call comes in?
Replies: 21
Views: 1695

Re: Why doesn't my iphone (5c) ring when call comes in?

Another possibility might be that the phone is in "do not disturb" mode. Check "Settings" / "Do Not Disturb".
by oldcomputerguy
Tue Jan 01, 2019 5:57 am
Forum: Personal Finance (Not Investing)
Topic: Can frozen credit cause problems opening an HSA?
Replies: 9
Views: 630

Can frozen credit cause problems opening an HSA?

We're on my wife's health insurance through her workplace. This year, we're changing over to a HDHP with HSA. Supposedly the new materials (with debit card to access the account) were mailed out the last week of December, but we have not yet received them. DW checked with one of her co-workers yeste...
by oldcomputerguy
Mon Dec 31, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Happy New Year Do you have plans?
Replies: 37
Views: 1787

Re: Happy New Year Do you have plans?

Munchies, a bottle of Mumm de Cramant, and binge-watching season 1 of “Rowan & Martin’s Laugh-In.”
:D :D :D :sharebeer
by oldcomputerguy
Mon Dec 31, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Barclaycard Arrival Plus™ World Elite Mastercard®
Replies: 40
Views: 3062

Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Why pay the AF at all? Where did I suggest paying the AF? “Shove it into the drawer until the AF posts”. And then cancel the card. Gotcha. “Posts” implied after it’s too late in my view. I had a Capital One Mastercard with an annual fee. Decided to cancel right after having paid the annual fee. It ...
by oldcomputerguy
Mon Dec 31, 2018 12:32 pm
Forum: Investing - Theory, News & General
Topic: What have you learned this year
Replies: 90
Views: 6872

Re: What have you learned this year

I’ve learned to be more careful when working around the house. (Elbow surgery, physical therapy, and doctor bills are no fun.)
by oldcomputerguy
Mon Dec 31, 2018 5:58 am
Forum: Investing - Theory, News & General
Topic: International Funds Still Relevant in a Simple Portfolio?
Replies: 72
Views: 4692

Re: International Funds Still Relevant in a Simple Portfolio?

I'm still holding 30% of my equity in international. This was my initial allocation, and I have no plans to change it.
by oldcomputerguy
Sat Dec 29, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: can AT&T limit coverage for consumer cellular customers (CC uses AT&T towers)
Replies: 13
Views: 1162

Re: can AT&T limit coverage for consumer cellular customers (CC uses AT&T towers)

Also a several years' satisfied customer of CC (thanks to this board), and only negative (and not AT&T fault) is that CC is not available for international roaming or calls easily. We’re on CC. Recently I had them enable international roaming on my iPhone 6s, it required changing out the “stock” AT...
by oldcomputerguy
Sat Dec 29, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: Fidelity beating vanguard now? switch to Fidelity?
Replies: 25
Views: 2517

Re: Fidelity beating vanguard now? switch to Fidelity?

Am I losing out a lot by not switching ? Difficult to say based on the numbers you've provided. Suggest you run the numbers based on your portfolio (ER x amt in fund) to see the impact in your case. OP, when doing as RadAudit suggested, don't forget to factor in whatever taxes you might have to pay...
by oldcomputerguy
Sat Dec 29, 2018 7:31 am
Forum: Investing - Help with Personal Investments
Topic: What do you do with dividends?
Replies: 51
Views: 4434

Re: What do you do with dividends?

I'm retired, DW still working another year before retiring (still gathering those last few pension points). Everything is set to reinvest. Likely will change a year from now.
by oldcomputerguy
Sat Dec 29, 2018 6:17 am
Forum: Investing - Help with Personal Investments
Topic: Adding an extra etf to portfolio?
Replies: 8
Views: 619

Re: Adding an extra etf to portfolio?

rafkg29 wrote:
Sat Dec 29, 2018 4:18 am
It is a taxable account. How is my overall AA should I just leave it as is?
Your AA is fine for someone 22 years old. I'd leave it. Since this is a taxable account, adding a high-dividend-paying fund will increase your tax liability, so I'd suggest you don't do it.
by oldcomputerguy
Sat Dec 29, 2018 5:58 am
Forum: Investing - Help with Personal Investments
Topic: Help Me Help An Old Lady
Replies: 16
Views: 1715

Re: Help Me Help An Old Lady

Dottie57 wrote:
Fri Dec 28, 2018 8:39 pm
oldcomputerguy wrote:
Fri Dec 28, 2018 3:28 pm
63? Old?

:P
I am 15 months from being OLD? :shock:
Trade ya, I'm five months past it.
:annoyed
by oldcomputerguy
Fri Dec 28, 2018 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Are EFA and IEFA suitable TLH partners?
Replies: 7
Views: 350

Re: Are EFA and IEFA suitable TLH partners?

stan1 wrote:
Fri Dec 28, 2018 5:49 pm
They do use the same index
Not quite. EFA follows the MSCI EAFE Index, while IEFA follows the MSCI EAFE IMI Index. The difference is that the EAFE IMI index includes small caps, while the EAFE index does not.

Here are fact sheets on EFA and IEFA for reference.
by oldcomputerguy
Fri Dec 28, 2018 6:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: My favorite Boglehead posters
Replies: 142
Views: 8075

Re: My favorite Boglehead posters

Taylor Larimore
Nisiprius
Ladygeek
ObliviousInvestor
by oldcomputerguy
Fri Dec 28, 2018 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Small-cap value fund
Replies: 29
Views: 2462

Re: Fidelity Small-cap value fund

Fidelity does not offer a small-cap value index mutual fund. The closest you'll come is their small-cap blend index mutual fund, FSSNX.
by oldcomputerguy
Fri Dec 28, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: TLH partner for Fidelity Total Stock Market Index fund
Replies: 23
Views: 1090

Re: TLH partner for Fidelity Total Stock Market Index fund

LiveSimple wrote:
Fri Dec 28, 2018 12:20 pm
Not sure I want to switch Total Stock Index to SP500, as in the long run Total Stock Performance is better.
If this is for TLH, then it's not for the long run. You can switch back after 30 days.
by oldcomputerguy
Fri Dec 28, 2018 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Dividends and Share Price Appreciated!
Replies: 25
Views: 665

Re: Help with Dividends and Share Price Appreciated!

I can certainly understand the ups and downs of the market that could affect share prices, but I still can't come to grips with the idea of dropping the share price after a dividend payout. The price of a share of stock in a company derives from several factors, one of which is the "book value" of ...
by oldcomputerguy
Fri Dec 28, 2018 2:34 pm
Forum: Forum Issues and Administration
Topic: SITE OFFLINE (Dec 28) Friday, 2:00 PM Eastern (19:00 UTC) - software upgrade
Replies: 31
Views: 2022

Re: SITE OFFLINE (Dec 28) Friday, 2:00 PM Eastern (19:00 UTC) - software upgrade

Great news!

Thanks for all you (and the other admins) do to keep the site running and civil.
by oldcomputerguy
Fri Dec 28, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: [Vanguard Founder Jack Bogle Says It’s Time to Play It Safe]
Replies: 153
Views: 13552

Re: Vanguard Founder Jack Bogle Says It’s Time to market time

Jack Bogle has had various allocations attributed to him over the years: age in bonds, 60/40, 50/50, 35/65, whatever. In The Little Book of Common Sense Investing he recommends a range of 25%-75% equities-take your pick. So he is not really trying to "time the market". He is simply discussing chang...
by oldcomputerguy
Fri Dec 28, 2018 11:23 am
Forum: Investing - Theory, News & General
Topic: Nobody asked me but
Replies: 46
Views: 4592

Re: Nobody asked me but

1.) The last few days, daily ranges are: 4.15%, 3.05%, 3.98%, 3.90%, 6.07%, 4.10% At the same time, the abs change between those dates is about ~2%. Which is a ratio of 10 to 1 between traveled distance and actual change. Elevated volatility combined with the damaging media around it provides excel...
by oldcomputerguy
Fri Dec 28, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Emergency fund as part of asset allocation?
Replies: 6
Views: 307

Re: Emergency fund as part of asset allocation?

I have a 75% stock / 25% bonds/fixed income allocation. Does my emergency fund count as part of the bonds/fixed income allocation? In my view, no. The purpose of having an emergency fund is so that you have cash on hand and not have to sell any of your investments in a down market to handle an unfo...
by oldcomputerguy
Fri Dec 28, 2018 11:14 am
Forum: Investing - Theory, News & General
Topic: [Vanguard Founder Jack Bogle Says It’s Time to Play It Safe]
Replies: 153
Views: 13552

Re: Vanguard Founder Jack Bogle Says It’s Time to market time

I'll refrain from commenting unless and until I can read the article in question, rather than just the first paragraph. (Paywalled.)