Search found 3196 matches

by oldcomputerguy
Sat Sep 22, 2018 6:59 am
Forum: Investing - Theory, News & General
Topic: Fidelity cobrowser??
Replies: 0
Views: 20

Fidelity cobrowser??

I was looking at fidelity.com just now, researching fund information, when all of a sudden I saw a pop-up on my browser, that said: Show your browser? Please read and accept the terms and conditions before continuing. with "Allow" and "Deny" buttons, and a "View Terms" link. The pop-up was otherwise...
by oldcomputerguy
Sat Sep 22, 2018 6:25 am
Forum: Investing - Theory, News & General
Topic: Fidelity zero ER funds closed?
Replies: 9
Views: 896

Re: Fidelity zero ER funds closed?

Typically, when a Fidelity fund is closed to new investors, the web site explicitly indicates such (for example, FCPGX Small Cap Growth Fund). This is indicated pretty obviously by the "Closed to new investors" in red letters right under the fund name. Neither FZILX nor FZROX shows this indication. ...
by oldcomputerguy
Fri Sep 21, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Recommend a To-do app please.
Replies: 26
Views: 1594

Re: Recommend a To-do app please.

Don't know if it'll meet your needs, but Google Calendar has a pane that tracks tasks (and sub-tasks).
by oldcomputerguy
Fri Sep 21, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Switching Vxus (tot int vanguard) to ftipx (Fid tot int)
Replies: 8
Views: 312

Re: Switching Vxus (tot int vanguard) to ftipx (Fid tot int)

Why FTIPX over FZILX ? 0.06% ER vs 0.00% ... Not to speak for the OP, but one reason might be that FTIPX has small-caps, whereas FZILX does not (the Prospectus for FZILX states that it invests "least 80% of assets in securities included in the Fidelity Global ex U.S. Index℠ and in depository receip...
by oldcomputerguy
Thu Sep 20, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)
Replies: 29
Views: 1551

Re: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)

I never have participated in Black Friday sales. I never shall. It would suit me just fine if stores opened at their regular hours on the day after Thanksgiving. I’m sure the retail employees who have to staff the stores at one minute past midnight (or, in many cases, on Thanksgiving night) would no...
by oldcomputerguy
Thu Sep 20, 2018 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Traveling overseas .. credit cards? cash exchange?
Replies: 38
Views: 1927

Re: Traveling overseas .. credit cards? cash exchange?

Live and learn and when you get back get a card with no fees for your next trip even if you don't think you will be taking one anytime soon. In fact I would suggest that the OP get two such cards. The last thing you want to have happen is to be in a foreign country and find out that the one card yo...
by oldcomputerguy
Thu Sep 20, 2018 4:51 am
Forum: Personal Consumer Issues
Topic: Should I bother meeting with a Chase Private Client Rep
Replies: 44
Views: 3294

Re: Should I bother meeting with a Chase Private Client Rep

I use a Chase bare bones account for everyday transactions and the convenience of a mega bank, but after moving some money through the bank for the down-payment on a house, I got a bunch of calls from this Chase Private Client person. I decided to go ahead and meet with them, but now I'm thinking i...
by oldcomputerguy
Tue Sep 18, 2018 9:50 pm
Forum: Investing - Theory, News & General
Topic: Stock market scenarios
Replies: 12
Views: 876

Re: Stock market scenarios

My IPS says that I will rebalance back to my asset allocation, so all of your scenarios are identical as far as I am concerned. This. I'm 50/50 stocks/bonds, rebalancing (if needed) twice a year. It doesn't matter which of your three scenarios (or which scenario other than the three you list) happe...
by oldcomputerguy
Tue Sep 18, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 50
Views: 3304

Re: Where do you buy CPAP replacement parts?

My wife has used CPAP machines for many years - on her 3rd or 4th one now - they wear out after a few years. She is now on Medicare, so she has to go through a "process" with our health plan/insurer to get the supplies and/or replacement machine. Her current one (several months) transmits the stati...
by oldcomputerguy
Tue Sep 18, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with "American Financial Education Alliance?
Replies: 7
Views: 6081

Re: Anyone familiar with "American Financial Education Alliance?

Sorry to resurrect an old thread here, but I wanted to follow up. I just attended an AFEA presentation this morning on Social Security, and when to start taking it. There was no attempt to sell anything. The presentation, however, was completely lacking on cohesion, was confusing, and in some cases ...
by oldcomputerguy
Tue Sep 18, 2018 8:21 am
Forum: Investing - Theory, News & General
Topic: Equity in house / Do you use it?
Replies: 56
Views: 3276

Re: Equity in house / Do you use it?

Never touch it. We may need it someday, maybe to get into assisted living. But not now. Fortunately my DH agrees on this policy. +1. Our house is paid off, and is our home. I do not (at least at this point) consider our home equity as a portion of my portfolio, as I have no intention of selling unl...
by oldcomputerguy
Tue Sep 18, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2145

Re: $180 IPhone SE or $90 Iphone 5S

Kevin8696 wrote:
Mon Sep 17, 2018 2:10 pm
Who's selling the SE for $180 ?
I bought mine over the counter at Target.
by oldcomputerguy
Mon Sep 17, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Travel- overwater bungalows
Replies: 16
Views: 2301

Re: Travel- overwater bungalows

Now Sandals resorts has a few options in the Caribbean. I realize not same as Bora Bora but definitely easier to get to as I live in MD and likely a bit cheaper. We were in Sandals South Coast in Jamaica last December, I saw the OWB's there, wasn't impressed enough to feel they were worth the (um, ...
by oldcomputerguy
Sun Sep 16, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 107
Views: 7489

Re: Delaying Social Security Until 70

2. Some do the math and (with justification) conclude earlier is better I believe that we are going to be in this category. We'll be bridging the gap between punching out and filing for SS by drawing on our 401k / tIRA accounts, and my math seems to indicate that there is a "sweet spot" between spe...
by oldcomputerguy
Sun Sep 16, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: delaying claiming SS from age 64 to 70 while not working
Replies: 21
Views: 1505

Re: delaying claiming SS from age 64 to 70 while not working

My question is, will the 8% annual benefit to delaying build upon my PIA (age 66), for a total of 32% above PIA, or 32% above my age 64 number. It seems to me that there should be some reward to delaying for 6 years rather than 4. In a manner of speaking, there is. If you claim at age 64 (two years...
by oldcomputerguy
Sun Sep 16, 2018 6:47 am
Forum: Investing - Help with Personal Investments
Topic: Opinions on American Funds
Replies: 28
Views: 1843

Re: Opinions on American Funds

They don't advertise? Really? They have a 12b-1 fee which is for marketing, which if it's not advertising, what is it? Well, if I were the cynic that my wife occasionally claims that I am (and I likely am, come to think of it), I'd say that the 12b-1 fees were a legalized kickback to the advisor in...
by oldcomputerguy
Sun Sep 16, 2018 6:39 am
Forum: Investing - Help with Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5346

Re: Employer won't Match 401k. Why?

How does it cost the company any money to subtract 18K from my salary and match 18K in my retirement fund? Obviously it costs the company nothing (aside from any overhead expense of the plan itself) to withhold 18k from your pay and move it into your 401k account. Just as obviously, though, if the ...
by oldcomputerguy
Sun Sep 16, 2018 6:24 am
Forum: Investing - Help with Personal Investments
Topic: Opinions on American Funds
Replies: 28
Views: 1843

Re: Opinions on American Funds

She recommends American Funds for the fact that they have low expense ratios and fees similar to index funds , but are actively managed. According to the advisor AF keeps fees low by not advertising like other brokerage firms. I remain skeptical. Their C shares have expense ratios hovering around 1...
by oldcomputerguy
Sat Sep 15, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Daughter's 401k w/Edward Jones
Replies: 3
Views: 577

Re: Daughter's 401k w/Edward Jones

401k plans typically have only a few selected investment options. Could you perhaps find out what those are in her plan, and post them here (with expense ratios)? We might be able to give a better answer.
by oldcomputerguy
Sat Sep 15, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 165
Views: 8254

Re: How real is cyber risk?

Vulcan wrote:
Fri Sep 14, 2018 4:05 pm
For GMail you would use Authenticator app for 2FA.
Nothing gets sent anywhere.
Google Mail can also be secured with a Yubikey. I have Yubikey as primary 2FA on my Gmail with Authenticator as secondary.
by oldcomputerguy
Sat Sep 15, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Developer Laptop
Replies: 26
Views: 1664

Re: Developer Laptop

While I certainly can learn how to expand the hardware, do you have a good starting point on specs to where that initially doesn't need to be considered. Don't scrimp on RAM. Get as much as you can afford, preferably max out whatever your chosen machine will hold. Also, an SSD for the OS will speed...
by oldcomputerguy
Fri Sep 14, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Can only take (1) DSLR lens..which one?
Replies: 27
Views: 671

Re: Can only take (1) DSLR lens..which one?

My EOS just has the lens that came with the kit (18-135mm zoom, f/3.5-5.6). It's a good all-purpose lens, but I confess there have been times I wished for an f/1.2 stop just to be able to smash down depth of field. I'd say you'll probably be fine with the zoom.
by oldcomputerguy
Fri Sep 14, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: How to help teenager fix silly mistakes in math?
Replies: 50
Views: 3150

Re: How to help teenager fix silly mistakes in math?

I have a nephew who in his middle and high school days had constant struggles with, shall we say, less-than-pleasing grades. He is intelligent and has a quick mind, but couldn't do the work. They finally had him tested, turned out he was dyslexic. Once the condition was diagnosed, he, his parents, a...
by oldcomputerguy
Thu Sep 13, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Windows 10
Replies: 9
Views: 565

Re: Windows 10

MidwestMike wrote:
Thu Sep 13, 2018 5:26 pm
It seems as if every few days there is a new upgrade. I’m getting tired of it. Get it right Microsoft.
Welcome to Windows.
by oldcomputerguy
Thu Sep 13, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity bonds FTBFX v/s FSITX
Replies: 3
Views: 304

Re: Fidelity bonds FTBFX v/s FSITX

Hello, I need to do my Bond allocation in my 401k. I have fidelity and use the brokerage link. That means I have access to some bond indexes that are better options than the ones my employer provides. More specifically, if I buy Fidelity indexes there's no additional fees. I've been looking at thes...
by oldcomputerguy
Thu Sep 13, 2018 6:18 am
Forum: Investing - Help with Personal Investments
Topic: Hypothetical Question - Market Timing
Replies: 43
Views: 2365

Re: Hypothetical Question - Market Timing

This is strictly a hypothetical situation for educational purposes only. I know that market timing is not a great strategy. And yet, the rest of your post makes it pretty obvious that this is exactly what you're contemplating. I ask because I'm sitting on 15,000 right now trying to decide what to d...
by oldcomputerguy
Wed Sep 12, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 153
Views: 8611

Re: iPhone XS Max

kjvmartin wrote:
Wed Sep 12, 2018 1:50 pm
$1100 for the cheapest iPhone Xs Max at 64 gigabytes of storage.
No. Just, no. There is no conceivable feature Apple could add on top of the basic required functionality that would justify this price.

I'll keep my $200 32Gb iPhone SE. It still works just fine.
by oldcomputerguy
Tue Sep 11, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: Toilet Makes A Flushing Sound Occasionally
Replies: 37
Views: 2804

Re: Toilet Makes A Flushing Sound Occasionally

carolc wrote:
Tue Sep 11, 2018 6:32 am
The toilets (3 of them) at my previous house made that sound.I never did anything about it.
OP probably will want to correct the issue, though. Apart from possibly being irritated at the sound, this is a sign of a water leak internal to the toilet, which will run up the water bill eventually.
by oldcomputerguy
Sun Sep 09, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 51
Views: 7014

Re: Fidelity Rewards Visa Card

How are any of the 2% cards betwee than the c ard I linked which is 3% the first year and 2.5% for each subsequent year, with no foreign fees.... $59 per year annual fee. To break even versus a no-annual-fee card (such as the Fidelity card) that pays 2% cash back would require an additional spend o...
by oldcomputerguy
Sun Sep 09, 2018 6:14 am
Forum: Investing - Theory, News & General
Topic: Just invested 10k into Space X (Well sorta..)
Replies: 22
Views: 2737

Re: Just invested 10k into Space X (Well sorta..)

Keepcalm wrote:
Fri Sep 07, 2018 1:57 pm
As an experiment...

Google owns a chunk of Space X...

Only way to currently have a stake with them indirectly.

Opinions?
Let us know in twenty or thirty years how it did for you. I'll just stick with my total market funds. I'm not that motivated to branch out.
by oldcomputerguy
Sat Sep 08, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Good photo book printer for image quality
Replies: 24
Views: 1495

Re: Good photo book printer for image quality

DW just put together a Shutterfly book for the pics from our 40th anniversary beach trip, it's IMHO pretty good.
by oldcomputerguy
Fri Sep 07, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: What experts say about "Stay-the-Course"
Replies: 21
Views: 8280

Re: What experts say about "Stay-the-Course"

kaeltor wrote:
Thu Sep 06, 2018 5:34 pm
Does this apply to real estate as well?

Say I bought a home and market crashes a year later -- buy and hold?
I did. I've held this one for 21 years so far. (Of course I've enjoyed living here, I suppose that could have something to do with it...)
by oldcomputerguy
Fri Sep 07, 2018 5:29 am
Forum: Investing - Theory, News & General
Topic: Good time to do value investing?
Replies: 37
Views: 2482

Re: Good time to do value investing?

No. What we learned about value investing is based on empiricals (not on fundamental theory). surely empirical results are more important than theories that are generated to explain them? Empirical results represent effect. Theories explaining them represent cause. When investing for the long term,...
by oldcomputerguy
Thu Sep 06, 2018 12:03 pm
Forum: Investing - Theory, News & General
Topic: Myth Busting on Index Funds
Replies: 16
Views: 4045

Re: Myth Busting on Index Funds

Good to see you again, sir.
by oldcomputerguy
Wed Sep 05, 2018 12:02 pm
Forum: Investing - Theory, News & General
Topic: 100% Bonds to boost returns?
Replies: 61
Views: 6383

Re: 100% Bonds to boost returns?

Given that stocks are riskier, it seems only logical to be 100% bonds at this time . Um, not to be a smart aleck, but isn't this by definition market timing? Nothing wrong with market timing. Buffett and others do it all the time. So can we. Really? I must be on the wrong board, then. I thought tha...
by oldcomputerguy
Wed Sep 05, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: How to "waste" money on groceries?
Replies: 109
Views: 9443

Re: How to "waste" money on groceries?

Not so much a particular category of food, but a purveyor... I shop at multiple grocery stores, usually picking one according to which one is closest when I am out running other errands. But for produce, I'm very partial to Publix. My two top picks are Publix and the local Food City store near home....
by oldcomputerguy
Wed Sep 05, 2018 8:42 am
Forum: Investing - Theory, News & General
Topic: Hold cash in Treasury Bills or in Money Market Fund?
Replies: 36
Views: 4553

Re: Hold cash in Treasury Bills or in Money Market Fund?

My main reason for holding the cash is as the safety portion of my portfolio, so that I would not have to sell equities for retirement income during a downturn in the market. Given that, I would point out that FNSXX is almost one-third commercial paper, so it might be a bit more correlated to the s...
by oldcomputerguy
Wed Sep 05, 2018 7:26 am
Forum: Investing - Help with Personal Investments
Topic: proposed investment options with employer retirement plans - feedback requested
Replies: 5
Views: 409

Re: proposed investment options with employer retirement plans - feedback requested

PFInterest wrote:
Wed Sep 05, 2018 7:07 am
yes no great intl choice
Why not this one?

Foreign Large Blend, Vanguard Developed Markets Index Adm., VTMGX, .07
by oldcomputerguy
Wed Sep 05, 2018 7:23 am
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 119
Views: 13043

Re: Fidelity Full View transition to eMoney

martyfl wrote:
Fri Aug 31, 2018 12:44 pm
I see the exact same bug. Imagine that! They can't even update their own accounts :shock:
Well, I just shrug it off and put it in the same bin as them not being able to connect to their own Rewards Visa product with the previous FullView incarnation.

Still a few bugs in the system, I suppose...
by oldcomputerguy
Wed Sep 05, 2018 4:50 am
Forum: Personal Finance (Not Investing)
Topic: Google's secret deal with MasterCard to buy all your CC transactions
Replies: 25
Views: 3096

Re: Google's secret deal with MasterCard to buy all your CC transactions

I find it appalling that a bank (CitiBank in my case) would sell financial transactions data. The way I read this, the bank wasn't the culprit, it was the MasterCard network, which is not the same thing. Coming from the MasterCard network, the data would have encompassed cards backed by more banks ...
by oldcomputerguy
Tue Sep 04, 2018 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited stock
Replies: 4
Views: 325

Re: Inherited stock

Hello all, My wife inherited 333 shares of stock "x" about 12 years ago from her father. He had previously inherited it from his father. It was set up as a DRIP and she now has close to 800 shares. We have never done anything with it, other than open and read the quarterly statements. Nor have we e...
by oldcomputerguy
Tue Sep 04, 2018 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Reducing Risk
Replies: 22
Views: 1185

Re: Reducing Risk

Dividend Growth funds do not fall into the "Income" category - they still have stocks as their underlying asset. The point of having a percentage of one's portfolio in "Income" (e.g., Bonds) is to accomplish Asset Allocation - owning more than 1 asset class. Sorry for the confusion I may have cause...
by oldcomputerguy
Tue Sep 04, 2018 7:18 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1051
Views: 81699

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Actually, the increasingly global aspect of major economies could, arguably, make international investing less attractive because it means that U.S. and international markets would be more strongly correlated with each other than they were in the past. We may now be in a world where all of the equi...
by oldcomputerguy
Tue Sep 04, 2018 6:57 am
Forum: Investing - Theory, News & General
Topic: 100% Bonds to boost returns?
Replies: 61
Views: 6383

Re: 100% Bonds to boost returns?

Jebediah wrote:
Mon Sep 03, 2018 8:55 pm
Given that stocks are riskier, it seems only logical to be 100% bonds at this time.
Um, not to be a smart aleck, but isn't this by definition market timing?
by oldcomputerguy
Tue Sep 04, 2018 6:53 am
Forum: Personal Consumer Issues
Topic: Best place to exchange dollars to euros?
Replies: 49
Views: 3556

Re: Best place to exchange dollars to euros?

Wow. Someone apparently missed their nap today. :shock: Sorry to be the perpetuator of misinformation. I was just passing on what Fidelity themselves told me. Tell ya what... We're going to Barcelona and London next year, I'll give it a try and report back. Nothing is missed. Please search the arch...
by oldcomputerguy
Tue Sep 04, 2018 4:43 am
Forum: Personal Consumer Issues
Topic: Best place to exchange dollars to euros?
Replies: 49
Views: 3556

Re: Best place to exchange dollars to euros?

2. The Fidelity brand Debit card does not charge FTF or other fees (and reimburses any surcharges) when used for ATM withdrawals. It does charge 1% FTF for purchases only. As always beware DCC at ATMs (and points of sale) and ensure you are charged in local currency, not USD. Update: Here is a ques...
by oldcomputerguy
Mon Sep 03, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: ESPP as emergency fund
Replies: 7
Views: 663

Re: ESPP as emergency fund

As I understand it, the reason to have an emergency fund in the first place is so that you wom’t have to sell stocks during a decline to meet an unexpected expense. Putting your emergency fund in stocks seems to me to be defeating the purpose.
by oldcomputerguy
Mon Sep 03, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Best place to exchange dollars to euros?
Replies: 49
Views: 3556

Re: Best place to exchange dollars to euros?

2. The Fidelity brand Debit card does not charge FTF or other fees (and reimburses any surcharges) when used for ATM withdrawals. It does charge 1% FTF for purchases only. As always beware DCC at ATMs (and points of sale) and ensure you are charged in local currency, not USD. Update: Here is a ques...
by oldcomputerguy
Mon Sep 03, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Best place to exchange dollars to euros?
Replies: 49
Views: 3556

Re: Best place to exchange dollars to euros?

I don't know what's in your wallet, but none of my regular cards charge FTFs. Check yours, of course. The Fidelity Rewards Visa charges 1% FTF, so I don't use it for traveling abroad. I do keep a Capital One Quicksilver Visa (no annual fee or FTF) and a Delta Skymiles Platinum AmEx (no FTF) for use...
by oldcomputerguy
Mon Sep 03, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 830
Views: 153980

Re: Boglehead Beer

XtremeSki2001 wrote:
Mon Sep 03, 2018 6:27 am
I think you meant The Blind Pig?
No, I double-checked, it's the Flying Pig. We ran across it on Tripadvisor. I looked up the address, though, and it appears it's not in Philadelphia proper but somewhere out west maybe 15 miles or so. Sorry for the confusion, and thanks for the suggestions.