Search found 3409 matches

by oldcomputerguy
Thu Nov 15, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: IRS announces 2019 Tax Rates, Standard Deduction, etc.
Replies: 5
Views: 942

Re: IRS announces 2019 Tax Rates, Standard Deduction, etc.

I notice that they made no mention of any adjustments to long-term capital gains brackets. Are those not also pegged to inflation?
by oldcomputerguy
Thu Nov 15, 2018 12:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7832
Views: 1607235

Re: U.S. stocks in freefall

CULater wrote:
Thu Nov 15, 2018 10:52 am
Market down another 200 points today so far. Dare we say "U.S. stocks in slowfall"?
Wouldn't break my heart. I just submitted an order to put some play money into emerging markets.
:beer
by oldcomputerguy
Thu Nov 15, 2018 5:48 am
Forum: Investing - Help with Personal Investments
Topic: Small Cap Value options for fidelity brokerage link (mutual fund only)
Replies: 11
Views: 1133

Re: I bought IJS through Vanguard

Socrates28 wrote:
Wed Nov 14, 2018 11:50 pm
to replace the Vanguard Small Cap Index (way to much midcap and little small cap - thank you Morningstar visualizer). I would do the same with Fidelity if no charge like Vanguard.
Yes, IJS is commission-free at Fidelity.
by oldcomputerguy
Thu Nov 15, 2018 5:33 am
Forum: Investing - Help with Personal Investments
Topic: getting out of EJ
Replies: 5
Views: 871

Re: getting out of EJ

I looked the other day and noticed my advisor there has me in 43 individual stocks and 37 different mutual funds in my traditional IRA !!! It would be interesting to note if there has been a lot of trading activity (churning) in your portfolio. With 37 mutual funds and 43 stocks, it would be hard t...
by oldcomputerguy
Wed Nov 14, 2018 7:21 pm
Forum: Investing - Theory, News & General
Topic: Do BHs care about real asset value or stay in course?
Replies: 7
Views: 547

Re: Do BHs care about real asset value or stay in course?

Who is “we” and how do they “know” there is an asset bubble?
by oldcomputerguy
Wed Nov 14, 2018 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap Value options for fidelity brokerage link (mutual fund only)
Replies: 11
Views: 1133

Re: Small Cap Value options for fidelity brokerage link (mutual fund only)

fennewaldaj wrote:
Mon Feb 26, 2018 1:10 am
This is in my 403b/401a/457 brokerage link at fidelity.
Does your plan allow you to buy ETFs in BrokerageLink? If so, you might want to take a look at IJS. It's commission-free at Fidelity and benchmarks against the S&P600 Value index.
by oldcomputerguy
Wed Nov 14, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Understanding the difference in cell phone OS types
Replies: 35
Views: 1455

Re: Understanding the difference in cell phone OS types

On a technical level, iOS is a proprietary operating system for iPhones and iPads, whereas the Android operating system is a system based on a Java Runtime Environment stacked on a customized Linux kernel. For most folks, that's not important. It does mean, however, that apps written for one will no...
by oldcomputerguy
Wed Nov 14, 2018 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: VCADX or VMLUX?
Replies: 8
Views: 593

Re: VCADX or VMLUX?

If it is, I'm a fool. The majority of our fixed-income is held in aggregate bonds in our tax-deferred accounts. In my case it'd be in a taxable account though. As I understand it, your question was regarding maturity / duration, not tax-efficiency. In my aggregate bond funds, the majority of bonds ...
by oldcomputerguy
Wed Nov 14, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Mobile cellular hotspot for low data use
Replies: 17
Views: 927

Re: Mobile cellular hotspot for low data use

Since you're on Verizon, you might just check to see if you can use your existing phone. Verizon reached a settlement with the FCC in 2012 that included them providing mobile tethering (the phone is the hotspot) at no extra charge. Edited to add: Consumer Cellular has a plan that gives one phone lin...
by oldcomputerguy
Wed Nov 14, 2018 7:33 am
Forum: Investing - Help with Personal Investments
Topic: VCADX or VMLUX?
Replies: 8
Views: 593

Re: VCADX or VMLUX?

michaeljmroger wrote:
Wed Nov 14, 2018 12:51 am
Is it foolish to invest in intermediate-term bonds in today’s rising rate environment?
If it is, I'm a fool. The majority of our fixed-income is held in aggregate bonds in our tax-deferred accounts.
by oldcomputerguy
Tue Nov 13, 2018 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund cost basis
Replies: 4
Views: 345

Re: Mutual Fund cost basis

I have not made any purchase. Seems like they used FIFO. Before transfer, the cost unit is $32. Now ME has $26 and Vanguard has $45. I have sent emails to both ME and Vanguard. Looks to me as if the oldest shares transferred, leaving more recently purchased shares at Vanguard. How old were the shar...
by oldcomputerguy
Tue Nov 13, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Am I daft...Cannot pay Elan with my Fidelity account
Replies: 4
Views: 653

Re: Am I daft...Cannot pay Elan with my Fidelity account

Do you have checkwriting set up on the Cash Management account? According to this link , if you do, you're supposed to pull the account number off the MICR coding at the bottom of the check. I looked at one of my Cash Management account checks, and the account number on the check is nothing like the...
by oldcomputerguy
Sun Nov 11, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: Planet Fitness etc.,
Replies: 51
Views: 4312

Re: Planet Fitness etc.,

We're not at PF, we have subscriptions to one of the local YMCA branches. I don't even use the connections on the treadmill; I have my listening material downloaded onto my phone, and use Bluetooth earphones with that. So I can listen literally anywhere. If the condition of the connections on the ma...
by oldcomputerguy
Fri Nov 09, 2018 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy during the last stock market decline
Replies: 56
Views: 5742

Re: Strategy during the last stock market decline

I confess that I do not recall the last significant stock market decline (-25%) we experienced (maybe 2007?). I would like to hear some strategies used by people during the decline in attempts to maintain their asset allocation. I ignored the market and went to the beach. Literally. Kept investing ...
by oldcomputerguy
Fri Nov 09, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Finally cutting cable -- is 40mbps enough for streaming services?
Replies: 25
Views: 2397

Re: Finally cutting cable -- is 40mbps enough for streaming services?

We're running Netflix on a Roku box over our AT&T 6 mbps line, works like a charm. 40 mbps will be overkill.
by oldcomputerguy
Fri Nov 09, 2018 5:20 am
Forum: Investing - Theory, News & General
Topic: Stock markets not at all time highs
Replies: 19
Views: 2451

Re: Stock markets not at all time highs

2015 wrote:
Fri Nov 09, 2018 12:53 am
Twitter is "the noise" on steroids.
+1. This ought to be engraved in stone and enshrined somewhere prominent.
by oldcomputerguy
Thu Nov 08, 2018 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Index Funds Expense Ratios
Replies: 6
Views: 806

Re: Index Funds Expense Ratios

I hold a Vanguard fund that holds Vanguard index funds. VTINX. The expense ratio is 0.13%. The five funds that make up VTINX have expense ratios of 0.15%, 0.14%, 0.15%, 0.13% and 0.17%. If I were to get out of the VTINX fund and invest in the five funds that make up the VTINX fund would I eliminate...
by oldcomputerguy
Wed Nov 07, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: Planning first international trip - London/Paris
Replies: 67
Views: 3331

Re: Planning first international trip - London/Paris

Yeah, that's nothing to worry about. Basically, if it's a London taxi (aka a 'black cab'), you just hail it or get one at a taxi rank. You also get 'mini cabs', which you tend to find in areas where black cabs aren't as prevalent, but you need to book them either online or by calling a the company....
by oldcomputerguy
Wed Nov 07, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Planning first international trip - London/Paris
Replies: 67
Views: 3331

Re: Planning first international trip - London/Paris

Mainly we tried to walk (I say tried because my mom has very bad arthritis and we just ended up taking a cab a lot). The cab rides were nice though and I enjoyed talking to the cabbies. Not to hijack the thread, but this brings up a point I’ve been wondering about. My wife and I will be in London f...
by oldcomputerguy
Wed Nov 07, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: RMD questions
Replies: 10
Views: 712

Re: RMD questions

I will turn 70 towards the end of this year (2018). Given that you will turn 70-1/2 next year, your first RMD will officially be due by the end of next year. Now, that being said, the IRS grants an automatic extension on the first RMD (and only on the first RMD) to April 1 of the year following the...
by oldcomputerguy
Wed Nov 07, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Planning first international trip - London/Paris
Replies: 67
Views: 3331

Re: Planning first international trip - London/Paris

Mainly we tried to walk (I say tried because my mom has very bad arthritis and we just ended up taking a cab a lot). The cab rides were nice though and I enjoyed talking to the cabbies. Not to hijack the thread, but this brings up a point I’ve been wondering about. My wife and I will be in London f...
by oldcomputerguy
Wed Nov 07, 2018 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Should I wait to deposit my 401k rollover check from Fidelity?
Replies: 14
Views: 849

Re: Should I wait to deposit my 401k rollover check from Fidelity?

IF the check is made out to Vanguard FBO (account holder), and not to the account holder personally, does that 60 day window still apply? I thought the 60 day limit was for times when the account holder takes possession of the money, such as having a check made out to the personal name (such that o...
by oldcomputerguy
Wed Nov 07, 2018 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Should I wait to deposit my 401k rollover check from Fidelity?
Replies: 14
Views: 849

Re: Should I wait to deposit my 401k rollover check from Fidelity?

Deposit it now. Right now. Today. Even if you leave it in a money market fund for now. You'd be amazed at just how fast sixty days can roll by, especially during holiday season. The last thing you want to do is wake up a couple of months from now and realize that you neglected to roll it in, and tha...
by oldcomputerguy
Tue Nov 06, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 50
Views: 3552

Re: Paper or Paperless? How and what financial records do you keep?

But I am backing up my entire financial life; account numbers, histories, logins, passwords, statements, etc. I will not put any of that in the cloud. I don't care how secure FidSafe, Dropbox, or any of them claim they are. Every company that has been hacked lately thought they were secure, until t...
by oldcomputerguy
Tue Nov 06, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 50
Views: 3552

Re: Paper or Paperless? How and what financial records do you keep?

That seems rather excessive unless you are storing millions of dollars of bitcoin or something. I keep all my electronic files in my dropbox folder which is also backed up/updated on the two computers that I use, a laptop and desktop. No, I'm not backing up Bitcoin. :twisted: But I am backing up my...
by oldcomputerguy
Tue Nov 06, 2018 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Rolled 401k into Fidelity...Now what?
Replies: 8
Views: 405

Re: Rolled 401k into Fidelity...Now what?

I changed W2 jobs and rolled my 401k from my employer into fidelity as it was one of the companies that accepted rollovers. I rolled it into my solo 401k (I am also a 1099 employee as well). Anyway, should I invest in Vanguard index funds or is it cheaper to buy Fidelity total index funds? Buy Fide...
by oldcomputerguy
Tue Nov 06, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 50
Views: 3552

Re: Paper or Paperless? How and what financial records do you keep?

I confess that I have a filing cabinet full of paper income tax returns dating back over thirty years. It's been my plan to scan all these into PDFs, but I've somehow never gotten around to it . I keep other financial records (statements, check registers, etc) as PDFs on a separate USB memory stick....
by oldcomputerguy
Tue Nov 06, 2018 11:57 am
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10512

Re: This man can predict when bubbles burst: time to time the market?

Feel free to do so. Come back in ten or twenty years ears and let us know how you did.
by oldcomputerguy
Mon Nov 05, 2018 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: FUSVX vs. FXAIX [Fidelity® 500 Index - Premium vs. Institutional]
Replies: 8
Views: 1171

Re: FUSVX vs. FXAIX [Fidelity® 500 Index - Premium vs. Institutional]

How long is your investment horizon? I personally am going to leave things as they are, with taxable at Vanguard and our IRAs at Fidelity. (I am in retirement, my wife is just over a year away.)
by oldcomputerguy
Mon Nov 05, 2018 8:00 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman 2 Funds for Life
Replies: 41
Views: 7057

Re: Paul merriman 2 fund solution

Here is another thread discussing this here.

viewtopic.php?t=262367
by oldcomputerguy
Mon Nov 05, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Lemon built in Bluestar fridge
Replies: 5
Views: 1077

Re: Lemon built in Bluestar fridge

Living in MA and yes, there is”lemon law”. How do I exercise it? I am going to contact the appliance store I purchased it from. If the solution is not satisfactory, do I need to get a lawyer involved? I have never thought buying a fridge can be this problematic. Unfortunately (for you), I've never ...
by oldcomputerguy
Mon Nov 05, 2018 4:37 pm
Forum: Investing - Theory, News & General
Topic: Household statements
Replies: 15
Views: 1150

Re: Household statements

Anyone else not able to access any of their current or historical household statements since this weekend's website downtime? By "household statements" do you mean Vanguard brokerage statements? I just logged on and was able to download statements from the past four months with no problem. Some who...
by oldcomputerguy
Mon Nov 05, 2018 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Bond alternative to balance portfolio?
Replies: 20
Views: 1691

Re: Bond alternative to balance portfolio?

What alternatives are there to bonds to keep a balanced portfolio. I'm not comfortable with bonds right now. What alternatives are there for the non-equity portion of my portfolio? At the risk of being overly blunt, the best alternative is to get over your discomfort with bonds +1. We have right ar...
by oldcomputerguy
Mon Nov 05, 2018 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Rollover question?
Replies: 2
Views: 214

Re: Rollover question?

Since the Vanguard target date fund is in a Roth, no, there will be no tax consequences. There could be tax consequences to the roll-over itself if it is not done properly. I'd suggest contacting Schwab (assuming that's who "CS" is) and discuss with them what you want to do. Try to do a direct custo...
by oldcomputerguy
Mon Nov 05, 2018 6:42 am
Forum: Personal Consumer Issues
Topic: Lemon built in Bluestar fridge
Replies: 5
Views: 1077

Re: Lemon built in Bluestar fridge

I'd check to see if your state has a "Lemon law". If so, I'd exercise it and get my money back, and go with something else, even if you have to make changes to the cabinetry. From your description, it seems that you're running a real risk of doing permanent damage to your hardwood floor (and perhaps...
by oldcomputerguy
Sun Nov 04, 2018 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: FUSVX vs. FXAIX [Fidelity® 500 Index - Premium vs. Institutional]
Replies: 8
Views: 1171

Re: FUSVX vs. FXAIX

I have had my IRA in FUSVX. I just saw that it now converted to the fund FXAIX. Can anyone explain why? Thanks! https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/mutual-funds/Fidelity-lower-expense-ratios-index-mf_FAQs.pdf This is something that Fidelity advertised a bit back. Don'...
by oldcomputerguy
Sun Nov 04, 2018 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: How often should I buy VASIX and ORTYX given that they have transaction fees?
Replies: 14
Views: 1043

Re: How often should I buy VASIX and ORTYX given that they have transaction fees?

Why are you buying a Vanguard fund if you don't wish to be at V? I would be looking for Schwab index funds or low cost balanced funds. I would not pay that much, except perhaps once or a few times a year at most. I like muni funds at V as well. I agree. There are so many good funds available for no...
by oldcomputerguy
Sun Nov 04, 2018 7:07 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18269

Re: Vanguard website "unavailable during weekend of Nov 3"

Great start for the "new, "improved", updated software"... Well, to be fair, as far as I know nobody at Vanguard has yet said it was done and ready for public consumption. Let's let them finish before we start judging the results. Then don't invite log in attempts by posting the regular window. Kee...
by oldcomputerguy
Sun Nov 04, 2018 7:02 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18269

Re: Vanguard website "unavailable during weekend of Nov 3"

ResearchMed wrote:
Sun Nov 04, 2018 6:56 am
Great start for the "new, "improved", updated software"...
Well, to be fair, as far as I know nobody at Vanguard has yet said it was done and ready for public consumption. Let's let them finish before we start judging the results.
by oldcomputerguy
Sat Nov 03, 2018 7:56 pm
Forum: Investing - Theory, News & General
Topic: Fidelity's FUSVX became FXAIX on Nov. 2
Replies: 6
Views: 1063

Re: Fidelity's FUSVX became FXAIX on Nov. 2

not a taxable event. this was announced a while ago. https://www.bogleheads.org/forum/viewtopic.php?t=256736 Interestingly, in my email this morning I got two emails from Fidelity advising me of a “distribution” in each of my two bond funds. The two funds I hold in my IRA (US Bond Index and Short-t...
by oldcomputerguy
Sat Nov 03, 2018 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA - Bonds or Equities
Replies: 13
Views: 1232

Re: ROTH IRA - Bonds or Equities

Our Roths are a minor portion of our holdings (approx. 7% of total), and are 100% total market stock funds. All bonds are in tax-deferred.
by oldcomputerguy
Sat Nov 03, 2018 2:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18269

Re: Vanguard website "unavailable during weekend of Nov 3"

Wow! This is almost as exciting and worrisome as when Bogleheads goes down for maintenance. Maybe LadyGeek isn't as fun-loving as I thought--she should have taken BH down at the same time just to see what would happen. Perhaps she was concern it would result in a spike in the national suicide rate?...
by oldcomputerguy
Sat Nov 03, 2018 2:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18269

Re: Vanguard website "unavailable during weekend of Nov 3"

Whether you use the phone app or a separate token, each has a unique ID that is non transferable. That is, you have to pick one or the other, and if you change phones or get a new token, you need to have your account linked to the new device ID. Schwab may force you to pick between the physical tok...
by oldcomputerguy
Sat Nov 03, 2018 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for Fidelity managed mutual fund ideas
Replies: 11
Views: 621

Re: Looking for Fidelity managed mutual fund ideas

I have well over a million dollars in low cost index funds at Fidelity, including one of the Zero funds in a 3 fund portfolio. When I want to compliment this investment, I open the Fidelity page and sit back and exclaim: "You're Soooooo good looking". (stolen from a Seinfeld episode) This is why I ...
by oldcomputerguy
Sat Nov 03, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: FSTVX -> FSKAX
Replies: 15
Views: 1448

Re: FSTVX -> FSKAX

This has been planned for a while and was announced in advance by Fidelity. It effectively moves Investor-class and Premium-class investors to Institutional Premium class, with the much lower ERs. Not everything moved yesterday, for example FTIPX (total international) is scheduled to be migrated nex...
by oldcomputerguy
Sat Nov 03, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18269

Re: Platform changes?

I have E*Trade with a Symantec token and have always wondered what would happen if I lost it or it malfunctioned. Are you saying I could also get the app on my phone and link that to my account also. I don't know, that would depend on E*Trade, I am only referring to Schwab. Ask E*Trade. And just so...
by oldcomputerguy
Sat Nov 03, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: If you have credit monitoring do you need to freeze credit?
Replies: 26
Views: 1231

Re: If you have credit monitoring do you need to freeze credit?

I guess in a way it's nice to know some folks out there don't want to be bothered to freeze their credit. It reminds me of the folks in my town who don't lock their doors. We have almost no crime in town and the one year there were a string of home robberies the only houses that were robbed were th...
by oldcomputerguy
Sat Nov 03, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Close to the Bull Trap phase of the market cycle
Replies: 32
Views: 2771

Re: Close to the Bull Trap phase of the market cycle

You know, I have read a bit about the "business cycle" over on Fidelity, and for the life of me I can't remember ever reading anything that described the "bull trap" phase. Early, Mid, Late, and Recession phases are all discussed, but not Bull Trap. What exactly is the Bull Trap phase of the market ...
by oldcomputerguy
Fri Nov 02, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: Tick Prevention for Dogs
Replies: 10
Views: 658

Re: Tick Prevention for Dogs

We’ve had very good luck with these. Our dogs used to pick up a lot of ticks through the year, but since we started using these we have seen none.

https://www.1800petmeds.com/Preventic+A ... d3306.html
by oldcomputerguy
Fri Nov 02, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: If you have credit monitoring do you need to freeze credit?
Replies: 26
Views: 1231

Re: If you have credit monitoring do you need to freeze credit?

I recently applied for a new credit card. This was just prior to leaving for the Bogleheads Conference. The card was sitting in my PO Box when I got back.

Experian just flagged it this week.

Freeze your accounts.