Search found 4027 matches

by oldcomputerguy
Fri Jul 12, 2019 5:15 am
Forum: Personal Finance (Not Investing)
Topic: How to Safely Share User IDs / Passwords with Spouse
Replies: 72
Views: 4776

Re: How to Safely Share User IDs / Passwords with Spouse

OP: I've been the household "money manager" for all of our 41 years of married life, so I sympathize. I do a combination of zeppy's and bluebolt's methods. We have a LibreOffice document with all our financial information (usernames, passwords, account numbers, contact information, miscellaneous inf...
by oldcomputerguy
Thu Jul 11, 2019 1:49 pm
Forum: Personal Investments
Topic: Is it hard to capture tiny profits trading if you are not greedy?
Replies: 26
Views: 2051

Re: Is it hard to capture tiny profits trading if you are not greedy?

Happens to the best of us. About five years ago, before I discovered Bogleheads, I had the brilliant idea to stick some money into Corning stock, reasoning that they are fiber optic cable manufacturers, and what with the push for "fiber to the home", there'd be great demand. Several months later, my...
by oldcomputerguy
Wed Jul 10, 2019 1:15 pm
Forum: Personal Investments
Topic: What do you know about LPL Financial?
Replies: 32
Views: 3375

Re: What do you know about LPL Financial?

^ To the membership, The above post from member "darenf" is legitimate. The poster contacted the moderators ahead of posting, in compliance with Forum Policy section 5(b), and received permission to post this. His credentials have been verified by the moderation staff. If anyone has any questions, p...
by oldcomputerguy
Wed Jul 10, 2019 9:45 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1279
Views: 119910

Re: S&P 500 hit 3,000 today

Several political comments were removed. As a reminder, political comments are off-topic for this 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
Mon Jul 08, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: Lightning strikes sailboat
Replies: 11
Views: 1886

Re: Lightening strikes sailboat

On further review, the topic is unlocked. Discussion of how one might minimize lightning damage on one's own boat or during one's own boating activites are on-topic as a personal consumer issue.
by oldcomputerguy
Mon Jul 08, 2019 2:19 pm
Forum: Personal Consumer Issues
Topic: Open-source notepad with password encryption
Replies: 24
Views: 1289

Re: Open-source notepad with password encryption

LibreOffice has a feature to password-protect documents when you save them, plus pretty good document compatibility with MS Office. There is a version of the suite for multiple platforms including Windows.

This article explains how to password-protect a document.
by oldcomputerguy
Mon Jul 08, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: Lightning strikes sailboat
Replies: 11
Views: 1886

Re: Lightening strikes sailboat

This topic has been locked. General discussions are off-topic for forums with "Personal" in the title. Please see Personal Consumer Issues : Note that topics must be directly connected to your (or your friend's or family's) life as a consumer. General comments or complaints about these topics will ...
by oldcomputerguy
Mon Jul 08, 2019 5:55 am
Forum: Personal Finance (Not Investing)
Topic: 529 to pay off student loans?
Replies: 4
Views: 652

Re: 529 to pay off student loans?

Yep, that's what it is. This topic is now locked as a discussion of proposed legislation. See Unacceptable Topics : Note that discussions of proposed laws or regulations are prohibited. According to congress.gov , at this time the SECURE Act is still in the Senate. If and when it is enacted into law...
by oldcomputerguy
Mon Jul 08, 2019 4:51 am
Forum: Investing - Theory, News & General
Topic: Insights From a Long Call With Vanguard Reps Today
Replies: 86
Views: 15631

Re: Insights From a Long Call With Vanguard Reps Today

But Vanguard has the Bogleheads. I don't think Fidelity has anything equivalent. Perhaps there are Fidoheads out there, of which I'm unaware. Well, I am a Fidelity customer but I wouldn't call myself a Fidohead. I would say there are a lot of people here with Fidelity accounts and who like Fidelity...
by oldcomputerguy
Sun Jul 07, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: car color
Replies: 41
Views: 4067

Re: car color

I don't know anything about wrapping, so I looked it up. Here is Car & Driver on it: https://www.caranddriver.com/features/a28222504/car-wrap-cost/ They say it can last 4-5 years and cost $2000 to $10000. Personally, I would go with paint. My only experience with vinyl wrapping on a vehicle came fr...
by oldcomputerguy
Sun Jul 07, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: "403 Access Forbidden" ??
Replies: 4
Views: 365

Re: "403 Access Forbidden" ??

Probably someone somewhere who did have access to that page just copied the URL and pasted it where you found it, not realizing that the URL they copied pointed to a page restricted to those who were logged in to the CNN infrastructure. It's an easy mistake to make.
by oldcomputerguy
Sat Jul 06, 2019 9:46 am
Forum: Personal Investments
Topic: Invest $2-3M now and how? Index vs self made stock portfolio? How's my Portfolio?
Replies: 111
Views: 5619

Re: Invest $2-3M now and how? Index vs self made stock portfolio? How's my Portfolio?

Is there a way to attach a pdf? No way to attach files to a post. However, if you happen to have some personal cloud space (ie Google Drive, Dropbox, etc) you may be able to upload your pdf to there and include the URL to the file in your message. Be sure your file is shared in such a way that it’s...
by oldcomputerguy
Sat Jul 06, 2019 7:14 am
Forum: Personal Investments
Topic: Dumb to investing [Portfolio Feedback]
Replies: 20
Views: 1383

Re: Dumb to investing [Portfolio Feedback]

Let me start by saying that investing has been confusing to me, so when I received the name of my investment advisor from my accountant and read he is a CFP, I thought I'd leave it up to him. Now I'm starting to think that maybe I should do something different. You're absolutely right, you should. ...
by oldcomputerguy
Sat Jul 06, 2019 3:39 am
Forum: Personal Consumer Issues
Topic: Buying a suit
Replies: 35
Views: 1940

Re: Buying a suit

Some contentious posts were removed. This topic has run its course and has been locked (topic exhausted).
by oldcomputerguy
Fri Jul 05, 2019 10:52 am
Forum: Investing - Theory, News & General
Topic: Hussman predictions..
Replies: 17
Views: 2004

Re: Hussman predictions..

This topic is now in the "Investing - Theory, News & General" forum.
by oldcomputerguy
Fri Jul 05, 2019 8:47 am
Forum: Personal Consumer Issues
Topic: Food sensitivity tests
Replies: 10
Views: 918

Re: Food sensitivity tests

This topic has been locked. See 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's Guide to Finding and Evaluating Health Information on the Web which, i...
by oldcomputerguy
Thu Jul 04, 2019 12:11 pm
Forum: Personal Investments
Topic: How to find current weighting of index funds
Replies: 8
Views: 382

Re: How to find current weighting of index funds

I've had trouble finding what the percentage breakdown of large vs. small/med and developed vs. emerging holdings within the funds. I would be greatful for advice about how to find that information. Morningstar's "Instant X-Ray" may fill your need. You can enter your fund tickers and their dollar a...
by oldcomputerguy
Thu Jul 04, 2019 10:11 am
Forum: Personal Consumer Issues
Topic: Prescription drugs - how to determine country of origin?
Replies: 25
Views: 1610

Re: Prescription drugs - how to determine country of origin?

This topic is locked for moderator review.
by oldcomputerguy
Thu Jul 04, 2019 4:16 am
Forum: Personal Investments
Topic: Ok, I'm taking 20% off the table
Replies: 9
Views: 2402

Re: Ok, I'm taking 20% off the table

This topic has run its course (non-actionable) and has been locked.
If readers can't do anything with the content of a topic other than argue about it, it does not belong here.
by oldcomputerguy
Tue Jul 02, 2019 4:41 am
Forum: Personal Investments
Topic: Roth IRA investments
Replies: 11
Views: 1222

Re: Roth IRA investments

VTSAX, and perhaps some VTIAX, seems to be the best choice for a Roth account. Set it, add yearly, and enjoy the rolling ride, most likely upward. For those of us that do not have ticker symbols memorized, what are VTSAX and VTIAX? VTSAX - Vanguard Total Stock Market Index Fund VTIAX - Vanguard Tot...
by oldcomputerguy
Mon Jul 01, 2019 7:03 am
Forum: Investing - Theory, News & General
Topic: So the year is officially half over
Replies: 32
Views: 3288

Re: So the year is officially half over

My IPS calls for checking twice a year (once on my birthday, and the other six months later) to see if I need to rebalance. One of those dates hits this month. Other than possibly rebalancing, no, no changes contemplated.
by oldcomputerguy
Sun Jun 30, 2019 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 555
Views: 49226

Re: Why are you NOT buying rental properties?

Several contentious posts were removed. As a reminder, see General Etiquette : 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 conducted in civil tones. Discussions are about issues, not people. I...
by oldcomputerguy
Sat Jun 29, 2019 4:47 pm
Forum: Investing - Theory, News & General
Topic: Zero Interest Rates Forever...if true, is it actionable?
Replies: 25
Views: 2915

Re: Zero Interest Rates Forever...if true, is it actionable?

The topic is not actionable, and has been locked. The discussion stems from an article that speculates on US economic policy. See Non-actionable (Trolling) Topics : If readers can't do anything with the content of a topic other than argue about it, it does not belong here. Examples include: US or wo...
by oldcomputerguy
Sat Jun 29, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 650
Views: 82978

Re: Picking College and College Scholarships

This topic was begun by the OP asking for help regarding getting their son into college. That has been accomplished, so this topic has run its course and is now locked. See Locked Topics : Moderators or site admins may lock a topic (set it so no more replies may be added) when a violation of postin...
by oldcomputerguy
Sat Jun 29, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: Going to switzerland this september-advice?
Replies: 30
Views: 1865

Re: Going to switzerland this september-advice?

DW and I took a trip to Switzerland a couple years ago. If you get the time, try to take a trip to Brienz, a charming small town on the edge of Lake Brienz. The view of the lake is breathtaking, and there a pretty neat wood carver's shop in the town. The other portion of Switzerland that we really e...
by oldcomputerguy
Sat Jun 29, 2019 5:24 am
Forum: Personal Finance (Not Investing)
Topic: Suing employer/USG? Advice Thread
Replies: 13
Views: 1144

Re: Suing employer/USG? Advice Thread

This topic is locked for moderator review.
by oldcomputerguy
Fri Jun 28, 2019 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Tired of being authorized user on credit cards - opening my own
Replies: 24
Views: 1718

Re: Tired of being authorized user on credit cards - opening my own

Does it really matter? Is it really worth your time to worry about this? What is the downside to keeping the status quo? If the primary cardholder dies, the authorized user no longer has a credit card. Yes, they can apply for a new one, but in the interim they wouldn't even be able to charge a tank...
by oldcomputerguy
Thu Jun 27, 2019 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: TransUnion website alert️!
Replies: 14
Views: 1315

Re: TransUnion website alert️!

I tried logging into TransUnion and could not. I noticed that it said password could not exceed 15 characters but I had previously set up an account using 20. Huh! :?: I requested a password reset using the link provided and it said due to changes to their website, I had to set up a new account (wh...
by oldcomputerguy
Tue Jun 25, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: Help with Oahu Hotels
Replies: 12
Views: 1208

Re: Help with Oahu Hotels

This topic is now in the Personal Consumer Issues forum. -- Moderator oldcomputerguy
by oldcomputerguy
Tue Jun 25, 2019 12:00 pm
Forum: Personal Investments
Topic: FED cutting rates affect on 3 year CD
Replies: 9
Views: 962

Re: FED cutting rates affect on 3 year CD

This topic has been locked. Speculation on changes in government policy are prohibited. See Unacceptable Topics : Note that discussions of proposed laws or regulations are prohibited. This forum is focused on investing that is directly actionable to personal investors. We don't hold debates on conje...
by oldcomputerguy
Mon Jun 24, 2019 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: HSA account (Tips for newbie)
Replies: 15
Views: 1042

Re: HSA account (Tips for newbie)

FIREchief wrote:
Mon Jun 24, 2019 1:10 pm
The only real tax differences are payroll taxes (i.e. SS and medicare). Contributions to the HSA by the employee are an above-the-line deduction on form 1040, so they essentially become like "pre-tax" dollars.
Thanks for the clarification.
by oldcomputerguy
Mon Jun 24, 2019 12:51 pm
Forum: Forum Issues and Administration
Topic: I am rejecting from reading a post
Replies: 11
Views: 2241

Re: I am rejecting from reading a post

Apologies for not making this plain before, still learning the board software. The topic in question has been removed for moderator review. international001: if you happened to be reading the topic when it was moved, and clicked on one of the page selection buttons, you'll see this sort of message. ...
by oldcomputerguy
Mon Jun 24, 2019 7:41 am
Forum: Personal Finance (Not Investing)
Topic: HSA account (Tips for newbie)
Replies: 15
Views: 1042

Re: HSA account (Tips for newbie)

Hi All, This year my wife's employer moved her medical coverage to a high detectable plan using an HSA account. The HSA was funded with an initial amount from her employer. Her first medical expense exceeds this amount so what is our best bet? Should we transfer money from our standard checking acc...
by oldcomputerguy
Mon Jun 24, 2019 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Frugal or cheap?
Replies: 106
Views: 8929

Re: Frugal or cheap?

Several off-topic comments were removed. Please try to keep the discussion constructive and on-topic to the original poster's question.
by oldcomputerguy
Sun Jun 23, 2019 10:31 am
Forum: Personal Consumer Issues
Topic: Outdoor vs Indoor HD antenna
Replies: 31
Views: 1322

Re: Outdoor vs Indoor HD antenna

I just moved into this house, but I just realized there is a Direct TV satellite sitting on the roof of the house. Is their some way I can turn that into an antenna for local TV, or can I only use it for Direct TV subscription. The dish antenna you describe is tuned to receive wavelengths used by s...
by oldcomputerguy
Fri Jun 21, 2019 5:18 pm
Forum: Personal Consumer Issues
Topic: Vegas - Any Kid friendly inexpensive shows ?
Replies: 17
Views: 1851

Re: Vegas - Any Kid friendly in-expesive shows ?

2. Any fun kids activities for 8 yrs olds in the strip ? Couple of free things out on the Strip: Your kids might enjoy watching the fountains at Bellagio. Pretty neat water show runs several times an hour, to music. Also, there's a simulated volcano display outside the Mirage, neat to watch at nigh...
by oldcomputerguy
Fri Jun 21, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 15825

Re: what was your worst major purchase mine is a 2019 mazda3

[This topic is now in the Personal Consumer Issues forum. — Moderator oldcomputerguy]
by oldcomputerguy
Thu Jun 20, 2019 2:36 pm
Forum: Investing - Theory, News & General
Topic: How to calculate stock picking performance?
Replies: 34
Views: 1603

Re: How to calculate stock picking performance?

The general method for defining the return performance of a portfolio that has contributions and withdrawals along the way is use of internal rate of return (IRR). That calculation can be done in Excel using the XIRR function and presumably could be done in many cost accounting applications as sugg...
by oldcomputerguy
Thu Jun 20, 2019 10:17 am
Forum: Personal Investments
Topic: How to I allocate to China A Shares if I hold VTIAX?
Replies: 8
Views: 420

Re: How to I allocate to China A Shares if I hold VTIAX?

IShares has an ETF (CNYA) that from what I read trades commission-free at Vanguard. It has an ER of 0.65%.
by oldcomputerguy
Thu Jun 20, 2019 9:38 am
Forum: Investing - Theory, News & General
Topic: Why isn’t stock market lower today ?
Replies: 14
Views: 1410

Re: Why isn’t stock market lower today ?

Several off-topic political posts were removed. This topic has run its course and has been locked (non-actionable). See Non-actionable (Trolling) Topics : If readers can't do anything with the content of a topic other than argue about it, it does not belong here. Examples include: US or world econo...
by oldcomputerguy
Wed Jun 19, 2019 4:12 pm
Forum: Non-US Investing
Topic: UK resident, US and U.K. taxpayer, ETF investing
Replies: 18
Views: 911

Re: UK resident, US and U.K. taxpayer, ETF investing

This topic is now in the Non-US Investing forum.

USUKTax, since you're asking in particular about UK ETFs, hopefully you'll get more helpful replies here.
by oldcomputerguy
Wed Jun 19, 2019 3:53 pm
Forum: Personal Investments
Topic: ROTH IRA question
Replies: 6
Views: 474

Re: ROTH IRA question

Yes, as long as your spouse's taxable earned income is at least as much as the amount you contribute to all your IRAs combined. https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits If you file a joint return, you may be able to contribute to an IRA...
by oldcomputerguy
Wed Jun 19, 2019 1:49 pm
Forum: Investing - Theory, News & General
Topic: The Case Against ETFs: MILN
Replies: 7
Views: 587

Re: The Case Against ETFs: MILN

This topic has been locked (restart of locked topic). -- Moderator oldcomputerguy
by oldcomputerguy
Wed Jun 19, 2019 7:58 am
Forum: Personal Investments
Topic: Vanguard?
Replies: 48
Views: 3617

Re: Vanguard?

What’s a three fund portfolio? The Three-Fund Portolio consists of three index funds covering three basic asset classes: total US stock market, total international stock market, and total US bond market. You can find funds at most of the big brokerage houses (including, of course, Vanguard) that co...
by oldcomputerguy
Wed Jun 19, 2019 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Maternity and Paternity leave policies
Replies: 56
Views: 3203

Re: Maternity and Paternity leave policies

Several off-topic posts were removed. This topic is locked for moderator review.
by oldcomputerguy
Mon Jun 17, 2019 10:52 am
Forum: Non-US Investing
Topic: Variable (0.96%) or fixed (2.29%) mortgage for 30 years?
Replies: 10
Views: 1572

Re: Variable (0.96%) or fixed (2.29%) mortgage for 30 years?

This topic is now in the Non-US Investing forum. -- Moderator oldcomputerguy
by oldcomputerguy
Mon Jun 17, 2019 9:23 am
Forum: Personal Consumer Issues
Topic: Essential oils
Replies: 3
Views: 465

Re: Essential oils

This topic has run its course and has been locked (medical isssue) . 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 and Eva...
by oldcomputerguy
Mon Jun 17, 2019 4:32 am
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 185
Views: 31046

Re: A way to "thank" posts

The issue of a "like" button has been brought up in the past. There is a long discussion of this subject (and why the forum owners are not in favor of such a button) in this thread . If you would like to express appreciation for a particularly helpful post, a simple "Thanks for the great information...
by oldcomputerguy
Sun Jun 16, 2019 2:07 pm
Forum: Personal Consumer Issues
Topic: car cylinder ignition coil - replace only nonfunctional one or all of them?
Replies: 22
Views: 1011

Re: car cylinder ignition coil - replace only nonfunctional one or all of them?

Check to see if perhaps there might be a recall. The identical symptom (rough running, blinking "check engine" light) happened a few years ago to DW's Mazda Miata, it was a bad ignition coil (only one on that model). Turned out that the same-part-number coil had been recalled on another Mazda model ...
by oldcomputerguy
Thu Jun 13, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: Invisalign braces
Replies: 5
Views: 927

Re: Invisalign braces

This topic has run its course and has been locked (medical advice). See 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's Guide to Finding and Evaluatin...