Search found 3020 matches

by oldcomputerguy
Fri Jul 20, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: Index-ish fund that lacks FAANG?
Replies: 28
Views: 2093

Re: Index-ish fund that lacks FAANG?

If you're really serious, and you don't want to deal with shorting ETFs, then you could consider investing in 10 of the 11 Vanguard sector ETFs, in proportion to its cap weight in the S&P 500 and omit the Vanguard Information Technology ETF. There's an ETF for that! :mrgreen: But you'll still have ...
by oldcomputerguy
Fri Jul 20, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 24
Views: 1377

Re: Where do you buy CPAP replacement parts?

For what it may be worth (my CPAP supplies are 100% covered under our insurance so I have never been invoiced), my supplier is Medical Necessities, and my experiences with them have always been positive.
by oldcomputerguy
Wed Jul 18, 2018 7:02 am
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 65
Views: 3267

Re: 35 minute connection for flight, long enough?

(I remember with great clarity a connection, OK it was O'Hare... but seemingly no big deal... and this was before the 9/11 security procedures were in place. I had a half-hour connection one a single airline, but due to some vagary of airline operation the two flights were at the extreme ends of tw...
by oldcomputerguy
Wed Jul 18, 2018 5:44 am
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 65
Views: 3267

Re: 35 minute connection for flight, long enough?

I'm booking our Christmas flights. Is a 35 minute connection in Denver long enough? Seems like a close call, but all the other flight schedules are terrible and costly. I’d say just from general experience (and from a couple of connections through Denver) that 35 minutes absolutely is pushing it. T...
by oldcomputerguy
Tue Jul 17, 2018 6:01 am
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 107
Views: 12651

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

My plan is to write the passwords on paper, but I haven't done it yet. Probably will get to it in the fall. I do quiz him about where the accounts are and he usually remembers all of them except for the 529s. Do not, repeat, do not depend on quizzing him. If something happens to you, I promise you,...
by oldcomputerguy
Mon Jul 16, 2018 6:28 am
Forum: Investing - Help with Personal Investments
Topic: Realizing 85% of 401k contribution going to bonds
Replies: 21
Views: 2487

Re: Realizing 85% of 401k contribution going to bonds

This is not as bad as you seem to feel it is. My wife and I have all our bond allocation in tax-deferred (my tIRA and her 401k), and as it works out my tIRA currently holds about 70% bonds and 30% equity. As long as your portfolio as a whole is where you want it, you’re good.
by oldcomputerguy
Sun Jul 15, 2018 4:11 pm
Forum: Investing - Theory, News & General
Topic: turnover rate impact on return
Replies: 13
Views: 832

Re: turnover rate impact on return

I seem to recall reading somewhere that Mr. Bogle’s rule of thumb is that 100% turnover roughly equals an additional 1% added to the ER.
by oldcomputerguy
Thu Jul 12, 2018 6:21 am
Forum: Personal Finance (Not Investing)
Topic: Credit score after becoming debt free?
Replies: 44
Views: 2913

Re: Credit score after becoming debt free?

We too are debt free for a few years (having paid off our mortgage about three years ago), and like the OP use a Fidelity 2% Visa card for expenses. Last time I looked (and I really see no reason even to care at this point), our credit score was around 830. So not a big hit from the mortgage payoff,...
by oldcomputerguy
Wed Jul 11, 2018 5:37 am
Forum: Personal Consumer Issues
Topic: Amazon won't sell this book to me.
Replies: 68
Views: 8342

Re: Amazon won't sell this book to me.

VictoriaF wrote:
Mon Jul 09, 2018 4:20 pm
It also may be trying to prove to the primes the value of their subscription.
Seems to me that this “value” is manufactured by Amazon, rather than true value.
by oldcomputerguy
Wed Jul 11, 2018 5:05 am
Forum: Investing - Help with Personal Investments
Topic: Should I move all my investments to Vanguard?
Replies: 31
Views: 2257

Re: Should I move all my investments to Vanguard?

peterinjapan wrote:
Wed Jul 11, 2018 3:20 am
Another vote for Vanguard, they are outstanding, and nearly free to trade. ($5 per trade.)
I assume you meant “Fidelity”, which charges $4.95 per trade. Vanguard charges quite a bit more unless you have $500,000 or more.
by oldcomputerguy
Tue Jul 10, 2018 6:07 am
Forum: Investing - Help with Personal Investments
Topic: Should I move all my investments to Vanguard?
Replies: 31
Views: 2257

Re: Should I move all my investments to Vanguard?

Well, the pros would include simplicity and better choice of index fund offerings. As for cons, that gets into several conversations that have been held here. Your experience with Fidelity support doesn’t seem to be echoed by the majority here; in fact a search here will find many threads bemoaning ...
by oldcomputerguy
Tue Jul 10, 2018 5:58 am
Forum: Investing - Help with Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 50
Views: 5268

Re: Where do you keep your Emergency Fund?

We have $1k in cash stashed in our safe at home for immediate availability and the rest at Ally. I have my credit cards linked to Ally so that they can be paid from there if necessary. I figure this is a good balance between return and liquidity.
by oldcomputerguy
Sun Jul 08, 2018 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Bond portion of taxable
Replies: 4
Views: 536

Re: Bond portion of taxable

Would it be a poor choice to use solely short term and intermediate term treasury bonds as the sole building block of the bond portion? No, that would not be a "poor" choice at all. Many folks believe that Treasury bonds are all you need on the fixed-income side, preferring (as you mentioned) to ta...
by oldcomputerguy
Sun Jul 08, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Increasing bond exposure, but confused by rating
Replies: 5
Views: 321

Re: Increasing bond exposure, but confused by rating

Morningstar ratings are an indication of how well the fund has performed in the past. It has absolutely no other value. Morningstar themselves have been reported as stating that their star system has absolutely no predictive value. Ignore the star ratings. Find a fund that invests in what you want t...
by oldcomputerguy
Sun Jul 08, 2018 11:20 am
Forum: Investing - Theory, News & General
Topic: Tracking Investments?
Replies: 6
Views: 759

Re: Tracking Investments?

I have a LibreOffice spreadsheet listing all our holdings with account totals calculated from the day’s closing prices (which are scraped from Google Sheets). At the bottom, it breaks out totals by asset class (domestic stock, international stock, bonds) for purposes of determining if it’s time to r...
by oldcomputerguy
Sun Jul 08, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Checkbook balancing software?
Replies: 31
Views: 1649

Re: Checkbook balancing software?

To the OP, I have such a spreadsheet that I've been using for the last three years, that automatically does the arithmetic to reconcile when entries are checked off. PM me if you're interested in looking at it. The post is here: Re: Keeping a checkbook register It should be noted that the original ...
by oldcomputerguy
Sun Jul 08, 2018 5:16 am
Forum: Personal Finance (Not Investing)
Topic: Checkbook balancing software?
Replies: 31
Views: 1649

Re: Checkbook balancing software?

You could create a check register in Excel in a matter of minutes. Just use a large font for them. To the OP, I have such a spreadsheet that I've been using for the last three years, that automatically does the arithmetic to reconcile when entries are checked off. PM me if you're interested in look...
by oldcomputerguy
Sun Jul 08, 2018 5:13 am
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 245
Views: 49232

Re: That Extravagant Thing You Do

I confess that Caribbean beach stays are my Achilles' heel. We're about to go on a ten-day stay in St. Lucia to celebrate 40 years of marriage, flying first class.
by oldcomputerguy
Sun Jul 08, 2018 5:08 am
Forum: Investing - Help with Personal Investments
Topic: US:International allocation ratio
Replies: 18
Views: 1460

Re: US:International allocation ratio

Whatever proportion you pick, whether it's zero percent, market weight, overweight, or whatever, make a considered decision, then stick with it. Don't change it back and forth responding to world market conditions. Stay the course.
by oldcomputerguy
Sat Jul 07, 2018 9:22 pm
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 5629

Re: Girls and investing

I would think that 7 or 8, while not too soon to learn about saving, is too soon to learn about investing. To get a good sense of investing, it’s important to have an idea of one’s goals, and very few 7 or8 year olds can wrap their heads around, say, retirement. Just my opinion. By the way, why woul...
by oldcomputerguy
Sat Jul 07, 2018 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Understanding performance of a mutual fund
Replies: 8
Views: 716

Re: Understanding performance of a mutual fund

Nearly 1/3 of my account is invested in NAINX. If I am reading this correctly, NAINX gave me a gain of 9.6%, which looks very good to me... so does NAINX apparent good performance warrant paying the higher expense ratio? What do I look for to determine that? Well, according to Portfolio Visualizer ...
by oldcomputerguy
Sat Jul 07, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: E- Billing & Autopay
Replies: 27
Views: 2399

Re: E- Billing & Autopay

My electric and water bills draw directly from my checking account. Everything else goes to a credit card. I typically pay that card manually, but it is set up to autopay from my checking account if manual payment doesn’t happen (if I’m on vacation, for instance). I was uncomfortable at first, but n...
by oldcomputerguy
Sat Jul 07, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Other alternatives
Replies: 15
Views: 1029

Re: Other alternatives

To help the OP out a bit, this is the information for which you're being asked for each of your investment optioins (all quoted figures from Morningstar) American Funds Fundamental Investors Fund - Class R6 RFNGX -- 0.30% JPMorgan U.S. Research Enhanced Equity Fund - Class I JDESX -- 0.35% State Str...
by oldcomputerguy
Sat Jul 07, 2018 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Other alternatives
Replies: 15
Views: 1029

Re: Other alternatives

I see. What do you mean by expense ratio's? Ratio is up to 100%. Also, I'm 60 years . Each investment fund skims off a portion of your money to cover the expenses of running the fund. The portion skimmed off each year is expressed as a ratio of the skimmed amount versus your total dollar amount in ...
by oldcomputerguy
Sat Jul 07, 2018 6:52 am
Forum: Personal Consumer Issues
Topic: Experience with Generac or Champion generators
Replies: 9
Views: 565

Re: Experience with Generac or Champion generators

I have no experience with generators for domestic use, but I spent many years maintaining a fleet of news-gathering vehicles that included generators for field use. I can tell you that we had more trouble with Generac units than others, and the local shops which supposedly were trained in maintainin...
by oldcomputerguy
Sat Jul 07, 2018 5:53 am
Forum: Investing - Theory, News & General
Topic: The Worst U.S. Portfolio Disasters — A Historical Comparison
Replies: 66
Views: 5561

Re: The Worst U.S. Portfolio Disasters — A Historical Comparison

Logically, I can see a strong case being made for splitting one's fixed income between TIPS and short-term Treasuries. The former provides protection from unexpected inflation, while the latter provides stability and liquidity. In fact Paul Merriman uses a mixture of intermediate-term, short-term, ...
by oldcomputerguy
Fri Jul 06, 2018 3:40 pm
Forum: Investing - Theory, News & General
Topic: “We have a lot to do, and very little time, so we must work slowly.”
Replies: 21
Views: 3858

Re: “We have a lot to do, and very little time, so we must work slowly.”

If we're sharing quotes, I'll share one that I've had hanging on my wall for the past 39 years. It's on a little wooden sign with a picture of sailboat masts and a sunset in the background:

"There is only one success... to be able to spend your life in your own way."
by oldcomputerguy
Fri Jul 06, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: Active Management Justification
Replies: 33
Views: 1830

Re: Active Management Justification

https://us.spindices.com/documents/spiva/spiva-us-year-end-2017.pdf During the one-year period, with the exception of actively managed international small-cap equity funds, the majority of managers investing in global, international, and emerging market funds underperformed their respective benchmar...
by oldcomputerguy
Fri Jul 06, 2018 4:56 am
Forum: Investing - Help with Personal Investments
Topic: Fractional equity shares
Replies: 5
Views: 551

Re: Fractional equity shares

red5 wrote:
Fri Jul 06, 2018 4:05 am
In my experience my old brokerage sold off my fractional shares and then transferred this small bit of money into a money market fund in my new brokerage. Then I could do what I wanted with this small bit of money.
Same thing happened when DW moved her Scottrade holdings to our Vanguard account.
by oldcomputerguy
Thu Jul 05, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone hear of or invest in Rich Uncles?
Replies: 18
Views: 3447

Re: Anyone hear of or invest in Rich Uncles?

I just read through the first few pages of their Offering Circular . If I read it right, this is a brand-new startup, with total assets of $1,000 (no, that’s not a misprint), they don’t own any underlying properties yet, and they have yet to dot all the I’s and cross all the T’s to legally be recogn...
by oldcomputerguy
Thu Jul 05, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: Anyone tilting heavy to international based on current forecasts?
Replies: 38
Views: 3945

Re: Anyone tilting heavy to international based on current forecasts?

In an environment where 10-year US stock market returns are forecasted by Vanguard and others to be lower than international stock market returns, I'm curious whether anyone is substantially tilting their equities allocation to international? No, I'm not. This is what "stay the course" means, not m...
by oldcomputerguy
Thu Jul 05, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 8955

Re: What time do you get up in the morning?

I'm retired, but DW is still working, so I get up at 5:45 AM when her alarm goes off. Bed time is usually around 10 PM. I don't take naps during the day, as it messes with my sleep schedule.
by oldcomputerguy
Thu Jul 05, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 18091

Re: Morningstar: prepare for a lost decade for U.S. stocks

TheTimeLord wrote:
Thu Jul 05, 2018 8:57 am
The BH noise filter is definitely broken.
No worries here, my noise filter is working just fine.
:wink:
by oldcomputerguy
Wed Jul 04, 2018 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin Futures?
Replies: 18
Views: 1277

Re: Bitcoin Futures?

No it's not a joke at all. I passively invest already. But I'm exploring other investment methods- Why? I'm not being snarky. I'm asking you to take a good, hard, introspective look at your motive. Your original post asked the other posters their opinion. They gave it to you. It's unfortunate that ...
by oldcomputerguy
Wed Jul 04, 2018 2:30 pm
Forum: Investing - Theory, News & General
Topic: Market cap-weighted Index - not diversified?
Replies: 14
Views: 909

Re: Market cap-weighted Index - not diversified?

But I’ve been coming across some articles in the financial “press” that claim holding market cap-weighted index funds leaves one’s portfolio essentially undiversified, because, they say, those market cap weighted holdings are dominated by a few high fliers. So is the market. If you concentrate on t...
by oldcomputerguy
Wed Jul 04, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Expected returns for 80/20 stock bond for next 10 years.
Replies: 169
Views: 12118

Re: Expected returns for 80/20 stock bond for next 10 years.

I’ll stick with my 5% nominal number over 10 years for my own planning purposes. Rick, I guess I'm the pessimistic one here. My long-term plan spreadsheet includes an assumption of an annual average 2% nominal gain for a 50/50 portfolio. Hopefully it'll be better than that, but if not, then hopeful...
by oldcomputerguy
Wed Jul 04, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: Monthly Water Usage
Replies: 61
Views: 3959

Re: Monthly Water Usage

A quick calculation shows that a 3% annual rate of inflation would account for about 80% of the increase. Given that there are more people in the home now, and that you're currently using at least some portion of your monthly usage to water plants during hot weather, I'd say this is not outrageously...
by oldcomputerguy
Wed Jul 04, 2018 6:01 am
Forum: Personal Consumer Issues
Topic: International Vacation Ideas
Replies: 47
Views: 3149

Re: International Vacation Ideas

For our tropical vacation we like Islands with beauty, interesting food and activities. Zip lining, beach volleyball, ocean sports, etc. Something to keep active while primarily relaxing on the beach/pool with a book. I don't know if this would be to your liking, but my go-to destination for relaxi...
by oldcomputerguy
Wed Jul 04, 2018 5:54 am
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 11055

Re: SS taken at 62 vs. 70, but measured from 70+

Create a spreadsheet that shows both what you give up and what you gain for each month that you delay. It will facilitate a truly informed decision. I think you'll see that if you choose to delay, then you may well find that claiming some time around age 64 or else 68 will be optimal timing from th...
by oldcomputerguy
Wed Jul 04, 2018 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Prime Money Market vs. 'Brick & Mortar' Savings Account
Replies: 18
Views: 2351

Re: Prime Money Market vs. 'Brick & Mortar' Savings Account

Just my $0.02 worth, I see nothing wrong with moving the cash to the money market account, but I see no need to cash in the CDs at this time. It may take a while for the "dream house" to come along. My wife and I looked for our "dream house" for years. It might just be that it takes a while for the ...
by oldcomputerguy
Tue Jul 03, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: cost or fee to use
Replies: 5
Views: 534

Re: cost or fee to use

What is “beenverified”?
by oldcomputerguy
Tue Jul 03, 2018 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Expected returns for 80/20 stock bond for next 10 years.
Replies: 169
Views: 12118

Re: Expected returns for 80/20 stock bond for next 10 years.

I disagree that predicting 10 year returns is a random event. There is no randomness in a the expected return of a 10-year zero coupon bond. It is 2.87%. That’s an absolute number which all other expect returns can be derived by adding expected risk premiums. Does this mean that you estimate the eq...
by oldcomputerguy
Tue Jul 03, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: Class Action suit against DDD?
Replies: 17
Views: 3504

Re: Class Action suit against DDD?

For those suffering from insomnia or severe boredom, the text of the Complaint is here (PDF, 20 pages). It alleges that the Defendants violated sections 10(b) and 20(a) of the Securities Exchange Act of 1934 (PDF, 366 pages, section 10b starts on page 96, section 20a starts on page 295). The Settlem...
by oldcomputerguy
Tue Jul 03, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Drinking, Fast and Slow: A Behavioral Scientist’s Guide To Summer Cocktails
Replies: 9
Views: 1762

Re: Drinking, Fast and Slow: A Behavioral Scientist’s Guide To Summer Cocktails

Interestingly enough, I happen to have the ingredients for the "Mai Tai-me Inconsistency" in my cupboard. I'll let you know later how it comes out.
:wink:
by oldcomputerguy
Tue Jul 03, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 61
Views: 5398

Re: Rodents ate my car!

But seriously, probably best to replace with the non-soy parts and get rid of the rodents as well. Oh, it's on! I know I have cute, fluffy bunnies and fat squirrels in my driveway. Locals are remarking on the squirrel population expoThere may be mice or scarier things that I have not (yet) noticed....
by oldcomputerguy
Tue Jul 03, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 61
Views: 5398

Re: Rodents ate my car!

Rupert wrote:
Tue Jul 03, 2018 12:21 pm
Buy a cat. Seriously.
No. Go to the local animal shelter and adopt one.
by oldcomputerguy
Tue Jul 03, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: IXUS - exposure to emerging market
Replies: 7
Views: 486

Re: IXUS - exposure to emerging market

Is IXUS a nice TLH partner for VXUS? Appears to be under an X-ray. In picking a TLH partner, it's important to consider whether the two securities under consideration are "similar" (whatever that means, given that the IRS has not provided a definition). Looking at the two, IXUS follows the MSCI ACW...
by oldcomputerguy
Tue Jul 03, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: IXUS - exposure to emerging market
Replies: 7
Views: 486

Re: IXUS - exposure to emerging market

Is IXUS a nice TLH partner for VXUS? Appears to be under an X-ray. In picking a TLH partner, it's important to consider whether the two securities under consideration are "similar" (whatever that means, given that the IRS has not provided a definition). Looking at the two, IXUS follows the MSCI ACW...
by oldcomputerguy
Mon Jul 02, 2018 5:48 am
Forum: Investing - Theory, News & General
Topic: A thought exercise
Replies: 11
Views: 1557

Re: A thought exercise

sunshine18 wrote:
Mon Jul 02, 2018 3:28 am
The Wizard wrote:
Mon Jul 02, 2018 3:24 am
sunshine18 wrote:
Mon Jul 02, 2018 3:20 am
No one knows anything and the market always goes up...
... except when it doesn't...
Short term yes but long term there has not been an instance when the market hasn't recovered.
Not yet, at least not in the U.S.