Search found 2390 matches

by oldcomputerguy
Fri Feb 23, 2018 6:32 pm
Forum: Personal Consumer Issues
Topic: What vacations or weekend getaways are you taking this summer?
Replies: 10
Views: 261

Re: What vacations or weekend getaways are you taking this summer?

Twenty years ago, my wife and I travelled to Sandals in St. Lucia (our first trip to the Caribbean) for our twentieth anniversary. This summer, we're returning to that resort to celebrate our fortieth anniversary.
by oldcomputerguy
Fri Feb 23, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 26
Views: 872

Re: Favorite socks?

1) Champion socks from Costco about a decade ago. They had white socks with very minimal branding on them, and they were of excellent quality. Don't know if these are "Champion" socks, but I just bought several pairs of white socks from Costco a few months ago, and I love them. I have about ten pai...
by oldcomputerguy
Fri Feb 23, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: How Do People Without Computer Access Prepare and File Their Taxes?
Replies: 33
Views: 1470

Re: How Do People Without Computer Access Prepare and File Their Taxes?

bob60014 wrote:
Fri Feb 23, 2018 9:52 am
Our library has the forms and computers.
Or
https://www.irs.gov/forms-pubs/forms-an ... by-us-mail
<irony>
I can't help but wonder how much good a link to the IRS web site would do if, as postulated by the OP, one doesn't have access to computers.

:wink:
</irony>
by oldcomputerguy
Fri Feb 23, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Financial proposal from Adviser
Replies: 22
Views: 1270

Re: Financial proposal from Adviser

I received a hypothetical proposal from a financial advisor with EJ, I moved all my accounts from them but still have a 529 plan with them. It's a proposal to grow my funds from around 200K to almost 800K over a span of 20 years. Moneychimp calculates that this would require an annualized return of...
by oldcomputerguy
Fri Feb 23, 2018 10:11 am
Forum: Investing - Theory, News & General
Topic: When Stocks and Bonds Fall
Replies: 24
Views: 1128

Re: When Stocks and Bonds Fall

I currently hold some Short-term Treasury to meet a need coming in about two years; other than that, all our bond holdings are "total-bond" funds (i.e. funds tracking Barclays Aggregate).
by oldcomputerguy
Fri Feb 23, 2018 6:28 am
Forum: Investing - Help with Personal Investments
Topic: <gulp> Expensive mistake
Replies: 51
Views: 7804

Re: <gulp> Expensive mistake

I think the "don't look" notion is not to look at the market and what your account is doing. I consider myself a "don't look" person but I see my balance 2-5x per month since they're linked to my bank account home page. I just never figure the changes, how much I've put in, what percentage things m...
by oldcomputerguy
Wed Feb 21, 2018 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Advice
Replies: 6
Views: 241

Re: 401k Advice

I'm curious how you came to the conclusion that BRHYX is the best bond option. Likewise. Of the two choices shown, I'd go with the Prudential fund; it's higher quality and the ER is less. I would not recommend a junk bond fund as my only bond holding (over 90% of BRHYX's holdings are rated BB or be...
by oldcomputerguy
Wed Feb 21, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: Sams Club vs Costco
Replies: 66
Views: 5070

Re: Sams Club vs Costco

If you don't like crowds, Sam's definitely has a leg up on Costco. I suppose it varies from market to market. I definitely didn't find that to be the case here. Certainly there are times at Costco where it's a bit of a free-for-all trying to find a checkout lane with less than four or five people i...
by oldcomputerguy
Wed Feb 21, 2018 6:59 am
Forum: Personal Consumer Issues
Topic: Sams Club vs Costco
Replies: 66
Views: 5070

Re: Sams Club vs Costco

We had been Sam's Club customers for years. Then Costco opened here in our town. Both are a non-trivial drive from home (twenty to thirty minutes). Both had (generally) the merchandise we normally get at a bulk store (paper products, some food items, occasional clothing). I got a better feeling for ...
by oldcomputerguy
Wed Feb 21, 2018 6:43 am
Forum: Investing - Help with Personal Investments
Topic: <gulp> Expensive mistake
Replies: 51
Views: 7804

Re: <gulp> Expensive mistake

What is the TSP and F fund? Since nobody else has responded... https://www.tsp.gov/InvestmentFunds/FundsOverview/comparisonMatrix.html C Fund is large-cap and mid-cap stock. F fund is aggregate bonds. So apparently the OP's current AA is 40/60 when she meant to do 60/40. To the OP: Correcting this ...
by oldcomputerguy
Tue Feb 20, 2018 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Adviser said I made a big mistake switching 403b to Aspire??
Replies: 19
Views: 1481

Re: Adviser said I made a big mistake switching 403b to Aspire??

Hey everyone. So last night I had my taxes done w/ an advisor who set my 403b up w/putnam over 20years ago. (Last year I had switched the 403b funds from Putnam over to Aspire). I did this on my own, and never thought to mention it to him, but when we met he said it was a big mistake and that I wou...
by oldcomputerguy
Tue Feb 20, 2018 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Bonus contribution to 401k
Replies: 9
Views: 653

Re: Bonus contribution to 401k

Bonuses get taxed pretty hard more than a regular paycheck so I would opt for as much as I can since it's tax deferred. +1 on this. Under IRS rules , the employer can either (a) aggregate the bonus with your regular wage and use the calculation normally used to calculate withholding (which takes W-...
by oldcomputerguy
Mon Feb 19, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: Do you use an app locker on your phone?
Replies: 4
Views: 689

Re: Do you use an app locker on your phone?

I don’t do anything related to finances on my phone. I’ve never heard of an app locker. What does it do?
by oldcomputerguy
Mon Feb 19, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 151
Views: 13882

Re: What is the best home exercise equipment?

davidsorensen32 wrote:
Fri Jul 01, 2016 3:04 pm
Any other recommendations ?
A hand saw and a yard full of trees needing pruning. Trust me. You’ll get your cardio. :twisted:
by oldcomputerguy
Mon Feb 19, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: Is it "cute" to invest in sector funds?
Replies: 23
Views: 1464

Re: Is it "cute" to invest in sector funds?

I'm kind of new to the concept of indexing. While my general plan is to just buy and hold a three fund portfolio, does the community have a general opinion on investing in specific sector funds like IT or whatever? On one hand, it seems to me like a form of stock picking, but I recently watched or ...
by oldcomputerguy
Mon Feb 19, 2018 7:45 am
Forum: Investing - Theory, News & General
Topic: What seems to matter
Replies: 25
Views: 3473

Re: What seems to matter

I might add: Don't mess with it. Studies have shown that, the more one "diddles" with their holdings (i.e. buying and selling), the more drag on their returns.
by oldcomputerguy
Sun Feb 18, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 9112

Re: Do you wear a wedding band? [at a job interview]

Married 40 years this coming July. I never take it off. It never occurred to me to wonder how an interviewer might take wearing or not wearing it. It’s none of their business. If you don’t want to wear yours, don’t wear it just because you think it’ll affect your job. If it does, you’re in the wrong...
by oldcomputerguy
Sat Feb 17, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: ETFs a cause of market turbulence?
Replies: 13
Views: 945

Re: Index funds a cause of market turbulence?

Active fund managers — human stock pickers — will be marginalized, the argument goes. And that could cause harm, because they are the ones who buy when others sell. So when stocks suddenly plummet, there will be fewer funds to step in, extending the fall. This seems to imply that active fund manage...
by oldcomputerguy
Fri Feb 16, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1265970

Re: U.S. stocks in freefall

Helo80 wrote:
Fri Feb 16, 2018 5:59 pm
lostdog wrote:
Fri Feb 16, 2018 12:46 pm
Anyone here admit to emotional selling during that dip?
I emotionally bought some TSM... not a huge amount, but how often does the dow fall 1000 points? Might as well market time a bit.
I don't consider that to be market timing so much as rebalancing with new money. :beer
by oldcomputerguy
Thu Feb 15, 2018 7:04 pm
Forum: Investing - Theory, News & General
Topic: What is the evidence against slice and dice?
Replies: 59
Views: 4558

Re: What is the evidence against slice and dice?

Slice and dice makes the assumption that a slice will beat the total. Jack Bogle recently talked about this and small cap value, which has been very trendy over the last few years. What he talked about was that the investing community figures out that some slice outperforms, hypes it and it becomes...
by oldcomputerguy
Thu Feb 15, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 78
Views: 6393

Re: Work-out schedule for those in 60s

1) Do some cardio at least 3x per week. Could be walking, running, swimming or a class. Some will be low impact and some high impact. What you do will depend on your body and what it can take. I have done high impact until knees were worked on years ago then sciatica and other crap. Now I mellow a ...
by oldcomputerguy
Thu Feb 15, 2018 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: When can a married person file Single or Head of Household? [temporary absence question]
Replies: 28
Views: 1074

Re: When can a married person file Single or Head of Household? [temporary absence question]

I'm helping a young couple with student loans , and in the process asked for past years' taxes. Married couple lived together until mid 2016. Wife moved out of state with new baby. Each had a job with similar income, each maintained a home. Plan was for husband to move in with wife in mid-2017. Whe...
by oldcomputerguy
Thu Feb 15, 2018 5:10 pm
Forum: Investing - Theory, News & General
Topic: What is the evidence against slice and dice?
Replies: 59
Views: 4558

Re: What is the evidence against slice and dice?

nisiprius wrote:
Thu Feb 15, 2018 1:16 pm
whether this is an example of "Rekenthaler's Rule" ("If the bozos know about it, it doesn't work anymore")
This made me laugh out loud! Thank you. (It also made me think about Firesign Theater.)
by oldcomputerguy
Thu Feb 15, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: When can a married person file Single or Head of Household? [temporary absence question]
Replies: 28
Views: 1074

Re: When can a married person file Single or Head of Household? [temporary absence question]

I'm helping a young couple with student loans, and in the process asked for past years' taxes. Married couple lived together until mid 2016. Wife moved out of state with new baby. Each had a job with similar income, each maintained a home. Plan was for husband to move in with wife in mid-2017. When...
by oldcomputerguy
Thu Feb 15, 2018 4:36 pm
Forum: Investing - Theory, News & General
Topic: Are ETFs Safe?
Replies: 11
Views: 854

Re: Are ETFs Safe?

Technology Investor just posted a cogent argument against ETFs at http://www.technologyinvestor.com/?p=41817. What is your opinion? Perhaps I read the article too quickly, but I didn't find it cogent at all. The entire argument in my opinion was a completely unsubstantiated attack on ETFs with no v...
by oldcomputerguy
Thu Feb 15, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 21401

Re: Do you see a meaningful change in your income with new Tax Bill?

Mine? Nope. Absolutely zero change. As they taught me in school, anything times zero is zero. :wink: I did do a spreadsheet calculation on DW's bring-home pay, modelling on the old and new tax withholding documents from the IRS as well as the 3% raise she got last year (yay!), and found that her bri...
by oldcomputerguy
Thu Feb 15, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Using multiple asset allocation numbers more appropriate?
Replies: 11
Views: 584

Re: Using multiple asset allocation numbers more appropriate?

Isn’t there some significant rebalancing benefit which is lost if you hold the investments in different accounts? If you hold all assets classes in each account, then you can rebalance appropriately when one category outperforms. If you have them in different accounts (HSA, IRA, 401k), then you are...
by oldcomputerguy
Thu Feb 15, 2018 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Is This Action by Megacorp Legal?
Replies: 65
Views: 4049

Re: Is This Action by Megacorp Legal?

But really the two questions in my mind at this point are 1) was advanced notice sent or not; 2) if not, is that actually illegal? I''m no lawyer, but in my layman way of thinking that would at least violate the fiduciary duty owed by the plan sponsor. Of course, I'm assuming a minimum fiduciary du...
by oldcomputerguy
Wed Feb 14, 2018 1:10 pm
Forum: Investing - Theory, News & General
Topic: Best Treasury Bond Fund/ETF for Taxable Accounts
Replies: 17
Views: 2009

Re: Best Treasury Bond Fund/ETF for Taxable Accounts

- should be tax efficient (not a lot of yearly capital gains) Capital gains are not the only concern when considering tax efficiency. Dividends from bond funds do not receive the same preferred tax treatment as do qualified stock dividends or long-term capital gains; they are taxed at your marginal...
by oldcomputerguy
Wed Feb 14, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: No 1099-MISC yet
Replies: 9
Views: 662

No 1099-MISC yet

After I retired last year, I did a deal with my workplace to continue on in a consulting capacity, on an hourly rate. In that capacity I grossed $675 from them last year. I expected to get a 1099-MISC from them showing this income, but haven't received it yet. Last week I emailed the business manage...
by oldcomputerguy
Wed Feb 14, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Buying Iphone X with AT&T
Replies: 16
Views: 792

Re: Buying Iphone X with AT&T

Ok this not a thread on if its a wise investment, but rather we are presupposing I am buying it ! Not sure I understand what you're trying to ask. It seems that you're asking if it's better to pay for the phone up front rather than stringing it out as monthly payments. But you also say that your wi...
by oldcomputerguy
Wed Feb 14, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Continue to invest in Fid total bond (FTBFX) or 3 month CDs
Replies: 6
Views: 694

Re: Continue to invest in Fid total bond (FTBFX) or 3 month CDs

Thank you Tyler and Mega for the responses. There is no confusion as to which fund I am in. I would prefer not to get into the index/active debate as I have most of my other investments in index funds. If you look at Portfolio Visualizer you will see that FTBFX has out performed FSITX since its inc...
by oldcomputerguy
Wed Feb 14, 2018 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Is This Action by Megacorp Legal?
Replies: 65
Views: 4049

Re: Is This Action by Megacorp Legal?

vested1 wrote:
Wed Feb 14, 2018 9:57 am
There's no harm of adding that the investment firm involved is Fidelity, which makes this occurrence even more surprising.
Indeed. Did your friend contact Fidelity and ask them what happened? What did they say?
by oldcomputerguy
Wed Feb 14, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Buying Iphone X with AT&T
Replies: 16
Views: 792

Re: Buying Iphone X with AT&T

Ok this not a thread on if its a wise investment, but rather we are presupposing I am buying it ! Not sure I understand what you're trying to ask. It seems that you're asking if it's better to pay for the phone up front rather than stringing it out as monthly payments. But you also say that your wi...
by oldcomputerguy
Wed Feb 14, 2018 6:15 am
Forum: Local Chapters and Bogleheads Community
Topic: Let's Wish Mr. Bogle - Happy Valentine's Day
Replies: 2
Views: 330

Re: Let's Wish Mr. Bogle - Happy Valentine's Day

A haiku for the occasion:


Cold investing world;
Bogle's Folly brought us warmth.
I am now secure.


Happy Valentine's Day, and thank you, Mr. Bogle.
:beer
by oldcomputerguy
Tue Feb 13, 2018 7:05 pm
Forum: Investing - Theory, News & General
Topic: PSA: Vanguard 1099 available
Replies: 1
Views: 366

PSA: Vanguard 1099 available

Just happened to look at my Vanguard brokerage account, 1099 form is now available. Looks like VTSAX dividends are about 95% qualified, don't see any capital gain distributions. VTIAX, on the other hand, looks like about 2/3 qualified. Interestingly, the dividends from Vanguard High Dividend Yield E...
by oldcomputerguy
Tue Feb 13, 2018 5:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1265970

Re: U.S. stocks in freefall

RRAAYY3 wrote:
Tue Feb 13, 2018 4:56 pm
Tomorrow’s inflation numbers are going to be very interesting

:|
by oldcomputerguy
Tue Feb 13, 2018 8:36 am
Forum: Investing - Theory, News & General
Topic: Correction vs. Prolonged Bear Market
Replies: 23
Views: 1549

Re: Correction vs. Prolonged Bear Market

I'm curious (and I know there's no hard and fast answer here): What do you all think about the general likelihood of a prolonged bear market in the US? I'm 100% confident that a bear market will happen. As to when, or how long it will last, sorry, my crystal ball isn't working very well this mornin...
by oldcomputerguy
Mon Feb 12, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7154

Re: I’m not renewing my Costco membership.

I would also consider myself a minimalist, but I believe the Costco membership is a fantastic value, even for me. The quality of their products is very high, and I usually suffer from 'analysis-paralysis' in the regular grocery store, so I like the fact that there is usually only one type of each i...
by oldcomputerguy
Mon Feb 12, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Capital gains taxes when selling joint property?
Replies: 5
Views: 601

Re: Capital gains taxes when selling joint property?

Perhaps then it might be a good idea to remove her name from the deed to be safe, but I am not sure. I'm no lawyer, but I believe that in effect will on paper be the same as selling her ownership share to you, which will trigger its own tax consequences. When my mother-in-law put her house in my wi...
by oldcomputerguy
Mon Feb 12, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Short term bonds with 6,7,&8% yield?
Replies: 7
Views: 903

Re: Short term bonds with 6,7,&8% yield?

Nowhere I know. But if you do find them, remember the adage that higher reward comes with higher risk. For the level of risk you'd need to get this sort of return out of bonds, you may as well put your money in a stock fund.
by oldcomputerguy
Mon Feb 12, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7154

Re: I’m not renewing my Costco membership.

We're no longer members, but the cost of membership wasn't our issue. We just didn't like shopping there. If you are really bothered by that $60/year, one way to get around that is to ask a friend or family member with a Costco membership to buy you a $10-$25 prepaid cash card. You can use the cash...
by oldcomputerguy
Mon Feb 12, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Lower Payroll Withholding - What are you doing with it?
Replies: 32
Views: 2300

Re: Lower Payroll Withholding - What are you doing with it?

DW's workplace had not (as of her January paycheck) yet switched over to the new withholding calculation. I expect her February paycheck will show the updated withholding; if so, we'll be pushing more into our Roth accounts.
by oldcomputerguy
Sun Feb 11, 2018 6:43 am
Forum: Personal Consumer Issues
Topic: Home printer
Replies: 21
Views: 990

Re: Home printer

I became so frustrated with the short life of my ink cartridges despite infrequent use. I became convinced that ink cartridges tend to dry out / gunk up on the print head when not in use. Definitely. Household dust gets into the nozzle openings and clogs them up, usually requiring replacement well ...
by oldcomputerguy
Sat Feb 10, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: Potentiometer for motor speed control- any electrical engineers around?
Replies: 40
Views: 2389

Re: Potentiometer for motor speed control- any electrical engineers around?

Can you provide specs of the motor? Kinda hard to make a recommendation without them.
by oldcomputerguy
Sat Feb 10, 2018 7:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1265970

Re: U.S. stocks in freefall

Nothing has changed for me. I'll reallocate at the end of the quarter like I always do. My vanguard automatic investment is still buying and I'm still not worrying about it. It's super boring investing like a boglehead, but I prefer that to spending energy trying to time the market. I'm staying the...
by oldcomputerguy
Sat Feb 10, 2018 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody hit their rebalance bands?
Replies: 20
Views: 1194

Re: Anybody hit their rebalance bands?

My rebalance point is +/- 5% off of a 50/50 allocation. Didn't even come close.
by oldcomputerguy
Sat Feb 10, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: [US Budget deal Revives Expired Individual Tax Breaks for 2017]
Replies: 25
Views: 3178

Re: Tax extenders have been resurrected from the dead AGAIN!

LadyGeek wrote:
Sat Feb 10, 2018 8:16 am
I merged Spirit Rider's thread into here.

Please refrain from expressing opinions of the political process.
If that was meant for me, sorry, I wasn't commenting on the political process at all, merely on the pure pain of having to wade through a 250-page PDF.
by oldcomputerguy
Sat Feb 10, 2018 6:53 am
Forum: Investing - Theory, News & General
Topic: How to deal with regret
Replies: 87
Views: 7405

Re: How to deal with regret

Have you experienced investing a big sum not long before a market correction/bear market and do you have tips on how to deal (pychologically) with regret? Back in early summer of 2015 I put $50k of my wife's inheritance from her deceased mom's estate into several sector stock funds (none in bonds)....
by oldcomputerguy
Sat Feb 10, 2018 6:35 am
Forum: Investing - Help with Personal Investments
Topic: Invest in 5% bond or Roth IRA?
Replies: 9
Views: 786

Re: Invest in 5% bond or Roth IRA?

I have an opportunity to invest in bonds at 5% interest rate, low risk and terms from 6 months to 1 year roughly. The other option is to put this money into my Roth IRA, which has a balance of ~$1.2k in VTI only. Which would be give me better return? How do I do this calculation? Anything I earn an...