Search found 3998 matches

by oldcomputerguy
Tue Jun 25, 2019 12:00 pm
Forum: Personal Investments
Topic: FED cutting rates affect on 3 year CD
Replies: 9
Views: 685

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: 901

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: 2075

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: 901

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: 104
Views: 7771

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: 1205

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: 1752

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: 165
Views: 12105

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: 1376

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: 396

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: 1352

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: 13
Views: 549

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: 400

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: 552

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: 3481

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: 3071

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: 1458

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: 451

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: 28293

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: 981

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: 906

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...
by oldcomputerguy
Wed Jun 12, 2019 4:11 pm
Forum: Personal Investments
Topic: HSA - Save Reciepts When Paying Bills?
Replies: 36
Views: 2225

Re: HSA - Save Reciepts When Paying Bills?

With my wife's HDHP (which I'm under as well as her), there is no copay, so I don't have to worry about tracking those. I scan all invoices we receive for medical expenses and file them in a folder on my computer. Then, when I pay the bill (via credit card, personal check, whatever), I export eviden...
by oldcomputerguy
Wed Jun 12, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: [Proposed changes to 401(k) and IRAs]
Replies: 67
Views: 2845

Re: "Help Is Almost Here for Retirement Savers"

This topic is locked. See Unacceptable topics:
Note that discussions of proposed laws or regulations are prohibited.
by oldcomputerguy
Tue Jun 11, 2019 12:15 pm
Forum: Personal Investments
Topic: Paul Merriman UBH vs Vanguard Mkt Cap model
Replies: 22
Views: 1791

Re: Paul Merriman UBH vs Vanguard Mkt Cap model

You might find this page from Marketwatch interesting. It's a comparison of recent returns from eight "lazy" portfolios, including Mr. Merriman's UBH (it's labelled as "Fundadvice" in the chart).
by oldcomputerguy
Sun Jun 09, 2019 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Checks without my account number
Replies: 39
Views: 3875

Re: Checks without my account number

Do bill pay checks have a different account number on them? I’ve never sent one to myself to check but I always thought they had my account number printed on them. I just went onto my B&M bank web site and looked at the PDF of the last check sent from online bill pay to pay my water bill. The accou...
by oldcomputerguy
Sun Jun 09, 2019 11:37 am
Forum: Personal Consumer Issues
Topic: Switching From Medicare Advantage to Traditional Medicare
Replies: 18
Views: 2359

Re: Switching From Medicare Advantage to Traditional Medicare

My gut impression is that choosing Medicare with supplement F is prudent if money is not of the primary concern. One may not be able to buy F soon. https://www.ehealthinsurance.com/medicare/supplement-all/is-medicare-supplement-plan-f-going-away Is Medicare Supplement Plan F being discontinued? App...
by oldcomputerguy
Sun Jun 09, 2019 5:35 am
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8250

Re: Costco or Sam's Club?

Many pros and cons for both choices have been presented. This thread has run its course and is locked (topic exhausted). See: Locked Topics Moderators or site admins may lock a topic (set it so no more replies may be added) when a violation of posting policy has occurred. Occasionally, even if ther...
by oldcomputerguy
Sat Jun 08, 2019 5:29 pm
Forum: Personal Investments
Topic: Re: Treasury Direct website down all day
Replies: 13
Views: 789

Re: Treasury Direct website down all day

(Posts combined into here from another topic - now in the Personal Investments forum. -- mod oldcomputerguy)
by oldcomputerguy
Sat Jun 08, 2019 6:26 am
Forum: Personal Investments
Topic: Re: Treasury Direct website down all day
Replies: 13
Views: 789

Re: Treasury Direct website down all day

Down here as well. It's not just you.
by oldcomputerguy
Fri Jun 07, 2019 11:00 am
Forum: Investing - Theory, News & General
Topic: Social Security Question
Replies: 15
Views: 1170

Re: Social Security Question

Several posts were removed due to crude language. As a reminder, see General Etiquette:
We also require that you be considerate of our readers and ... avoid profanities, obscenities, lewd and otherwise offensive words and remarks.
by oldcomputerguy
Fri Jun 07, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: Everyone ought to be required to have an umbrella policy and life insurance!
Replies: 13
Views: 1446

Re: Everyone ought to be required to have an umbrella policy and life insurance!

This topic does not meet the criteria for Personal Consumer Issues, and has been locked. See Personal Consumer Issues : This subforum is focused on making informed decisions about consumer goods and services (other than investing or financial). Note that topics must be directly connected to your (o...
by oldcomputerguy
Thu Jun 06, 2019 10:11 am
Forum: Personal Investments
Topic: MF to ETF in taxable...
Replies: 6
Views: 365

Re: MF to ETF in taxable...

I have never sold or exchanged any funds before in a taxable account. Naturally, I would love the simplicity of just exchanging all funds (250K) into the new to open ETF. If by "exchange" you mean the ability that Vanguard investors have to convert mutual fund shares to corresponding ETF shares, un...
by oldcomputerguy
Wed Jun 05, 2019 3:25 pm
Forum: Personal Investments
Topic: TSP Loan for Real Estate Investment
Replies: 18
Views: 705

Re: TSP Loan for Real Estate Investment

(Duplicate thread merged here -- mod oldcomputerguy)
by oldcomputerguy
Wed Jun 05, 2019 1:34 pm
Forum: Personal Investments
Topic: Approximating Total Stock Market confusion
Replies: 9
Views: 731

Re: Approximating Total Stock Market confusion

According to the article (using the distribution in cell #5), I would use allocate: 81% Vanguard Index 500 4% Vanguard Mid Cap Index 15% Vanguard Small Cap Index But I'm struggling to determine the justification for this? Even in the weightings presented in the article suggest that mid-cap should h...
by oldcomputerguy
Wed Jun 05, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8250

Re: Costco or Sam's Club?

A couple of off-topic posts were removed. 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 economic, political, tax, health care and climate policies conspiracy theorie...
by oldcomputerguy
Wed Jun 05, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7727

Re: What flagship (even used) item is better than a budget new item?

This topic is now in the Personal Consumer Issues forum.
by oldcomputerguy
Wed Jun 05, 2019 9:36 am
Forum: Personal Consumer Issues
Topic: Resort vacation w/ 6 month old...?
Replies: 30
Views: 1686

Re: Resort vacation w/ 6 month old...?

Several posts were deleted due to a snarky comment. As a reminder, see General Etiquette : 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. If you disagree ...
by oldcomputerguy
Wed Jun 05, 2019 5:21 am
Forum: Personal Consumer Issues
Topic: Walking Cities, potential for retirees
Replies: 95
Views: 7942

Re: Walking Cities, potential for retirees

This topic is now in the Personal Consumer Issues forum. -- mod oldcomputerguy
by oldcomputerguy
Tue Jun 04, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: Any TV guys out there?
Replies: 35
Views: 2640

Re: Any TV guys out there?

I guess it is the new thing but I'm not a fan of the two legged approach. I prefer the center base. I heard it was something about tvs tipping over but that seems pretty lame to me. I'm not a fan of any scheme where the TV sits on a surface on its own footing. I have a 65" Toshiba in my den, and it...
by oldcomputerguy
Mon Jun 03, 2019 3:46 pm
Forum: Investing - Theory, News & General
Topic: 4 Seasons Portfolio
Replies: 40
Views: 4384

Re: 4 Seasons Portfolio

This topic has run its course and is locked. 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. If you disa...
by oldcomputerguy
Mon Jun 03, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: Bugs—how many are too many
Replies: 8
Views: 811

Re: Bugs—how many are too many

To the people using and recommending Terro, a question: does it pose a hazard to domestic animals? I have two indoor/outdoor dogs that spend most of the day indoors with me, and I don't want to do anything to endanger their well-being.
by oldcomputerguy
Mon Jun 03, 2019 6:47 am
Forum: Personal Consumer Issues
Topic: Recommend a small inexpensive laser printer?
Replies: 39
Views: 2443

Re: Recommend a small inexpensive laser printer?

I'm another Brother printer user (actually an HL-2280DW all-in-one), and am quite satisfied with it. An added plus for me as a Linux user is that Linux Mint's CUPS installation finds and installs the printer fairly painlessly, plus Brother (to their credit) provides drivers and instructions online f...
by oldcomputerguy
Sun Jun 02, 2019 6:45 am
Forum: Personal Consumer Issues
Topic: Consumer Cellular dropping calls
Replies: 12
Views: 931

Re: Consumer Cellular dropping calls

DW and I are CC customers, and occasionally travel internationally. When CC began offering international roaming, I contacted them to get that set up on my iPhone and found that we'd have to switch it from the AT&T backbone to the T-Mobile backbone to enable that. After the change, I noticed that do...
by oldcomputerguy
Tue May 28, 2019 8:33 am
Forum: Forum Issues and Administration
Topic: Question about Site Search on Bogleheads
Replies: 7
Views: 429

Re: Question about Site Search on Bogleheads

This topic is now in the Forum Issues and Administration forum.

-- Moderator oldcomputerguy

by oldcomputerguy
Mon May 27, 2019 7:36 am
Forum: US Chapters
Topic: MEMORIAL DAY
Replies: 26
Views: 2655

Re: MEMORIAL DAY

Thank you, sir.
by oldcomputerguy
Mon May 27, 2019 6:28 am
Forum: Personal Consumer Issues
Topic: PSA: Free Sirius/XM Broadcasting through [June 4, 2019]
Replies: 24
Views: 2670

Re: PSA: Free Sirius/XM Broadcasting through Sept 10

I figured there might be other Bogleheads like me that have XM Radio in all their cars but are too cheap to pay for a subscription. If you are like me and are driving over the US Holiday weekend it is FREE Sirius/XM through September 10th so enjoy. Channel lineup can be found on their website: http...
by oldcomputerguy
Sun May 26, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Should I roll repairs into the mortgage?
Replies: 39
Views: 2235

Re: Should I roll repairs into the mortgage?

This topic is now in the "Personal Finance (Not Investing)" forum.

-- Moderator oldcomputerguy
by oldcomputerguy
Sat May 25, 2019 10:03 am
Forum: Personal Finance (Not Investing)
Topic: American Express lowered my credit limit
Replies: 61
Views: 4990

Re: American Express lowered my credit limit

Has anyone else gotten their credit card limit lowered due to lower spending activity? In March of last year, Capital One lowered my credit limit on my CapOne Visa card from $30,000 to $10,000, based allegedly on the fact that I don't use that card that much except for international travel. Alleged...