Search found 2776 matches

by oldcomputerguy
Mon May 21, 2018 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Fractional Shares?
Replies: 6
Views: 319

Re: Fractional Shares?

I just did the exact same thing TD-->VG and there were fractional shares TD converted the fractional to $ (no transaction fee) and sent the cash over to VG with the whole shares. TD sent me a confirmation showing all of the fractional to $ details. It went easy DW did same from Scottrade --> VG, fr...
by oldcomputerguy
Mon May 21, 2018 7:26 am
Forum: Investing - Theory, News & General
Topic: Roll your own index fund current viability
Replies: 18
Views: 1013

Re: Roll your own index fund current viability

JackInTheGreen wrote:
Sun May 20, 2018 10:17 pm
It probably wouldn't. But that's not exactly what I have in mind - I want to mostly replicate the S&P 500, but with some stocks removed based on some academic research I've read. (Basically stocks that appear overvalued.)
Sounds maybe like you're trying to duplicate the S&P 500 Value Index.
by oldcomputerguy
Mon May 21, 2018 7:23 am
Forum: Investing - Theory, News & General
Topic: Roll your own index fund current viability
Replies: 18
Views: 1013

Re: Roll your own index fund current viability

A few zero-commission brokers have cropped up over the past few years, like M1 and Robinhood. In light of this, is the "roll your own index fund" method more viable than in the past? Robinhood in particular has integrated with Quantopia, meaning the process could even be automated with modest effor...
by oldcomputerguy
Mon May 21, 2018 5:29 am
Forum: Personal Finance (Not Investing)
Topic: Comparing ways to protect ones financial identity
Replies: 11
Views: 1017

Re: Comparing ways to protect ones financial identity

Rent a post office box and have any paper-based financial material sent there. Nothing financial sent to your home address. Anyone can steal anything from your home mailbox while you’re not looking.
by oldcomputerguy
Mon May 21, 2018 5:26 am
Forum: Personal Finance (Not Investing)
Topic: Comparing ways to protect ones financial identity
Replies: 11
Views: 1017

Re: Comparing ways to protect ones financial identity

Also, my security questions are random nonsense. There is no way I want someone to be able to pretend to be me just because they know my mother's maiden name etc. That may not be great advice for the average person. If you ever don't remember your password and lose your security answers, it can be ...
by oldcomputerguy
Sun May 20, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 38
Views: 1661

Re: Wifi + wired device

I recently tried this to extend wired Ethernet into my living room, seems to work okay so far.

https://www.amazon.com/gp/product/B00AW ... UTF8&psc=1
by oldcomputerguy
Sun May 20, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Apple Pay and Paypal
Replies: 8
Views: 623

Re: Apple Pay and Paypal

Another vote to avoid Paypal. I was never able to figure out how to get funds out of the account short of linking them to my checking account, which I flatly refuse to do.
by oldcomputerguy
Sun May 20, 2018 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Investment allocation
Replies: 13
Views: 539

Re: Investment allocation

Thanks! Are certain asset classes more favorable in certain types of accounts ? How do you decide what asset in the type of account Take a look at the link that Sandtrap posted: Tax Efficient Fund Placement In my own case: All bond funds in 401k / tIRA, along with smaller amounts of total stock and...
by oldcomputerguy
Sun May 20, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: When to and when not to “reinvest dividend and capital gains”
Replies: 23
Views: 1843

Re: When to and when not to “reinvest dividend and capital gains”

You may have read about "the miracle of compounding" in your reading. This "miracle" comes from re-investing your gains. Reinvestment of dividends is one component of total return. So unless you're in retirement or otherwise need the dividends for living expenses, I'd say you would want to re-invest...
by oldcomputerguy
Sun May 20, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Wife Retiring hesitant to roll-over funds to Vanguard
Replies: 36
Views: 2457

Re: Wife Retiring hesitant to roll-over funds to Vanguard

Usually there is no reason for an instant decision. I left my 401K in there for about 7 years after retirement before rollover, and my wife is still in hers after retirement. I think we are about ready to rollover hers now though, now that interest rates are up on CD's etc. In fact I struggled with...
by oldcomputerguy
Sun May 20, 2018 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA: Begin With ETF's or Wait Until 3k?
Replies: 15
Views: 739

Re: Roth IRA: Begin With ETF's or Wait Until 3k?

I'm still learning, so maybe I'm missing something. With Vanguard, aren't a lot of the ETFs the same as the MFs but with a better expense ratio if you aren't able to hit the Admiral level? I'm not understanding the downside for using the ETFs in a Roth IRA, so I'm thinking I'm missing something. Th...
by oldcomputerguy
Sun May 20, 2018 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA: Begin With ETF's or Wait Until 3k?
Replies: 15
Views: 739

Re: Roth IRA: Begin With ETF's or Wait Until 3k?

There's nothing that says you can't simply contribute the cash to your IRA and leave it there in the settlement fund until you accumulate enough to buy whatever investment you want. The important thing starting out is to save. Your gains in your account at this point will come much more from savings...
by oldcomputerguy
Sun May 20, 2018 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Wife Retiring hesitant to roll-over funds to Vanguard
Replies: 36
Views: 2457

Re: Wife Retiring hesitant to roll-over funds to Vanguard

dm200 wrote:
Sun May 20, 2018 8:31 am
Be aware that IRA funds are (or may be) more subject to creditors than employer plans (401l, 403b, etc.).
I think this varies from state to state. The OP should check to see if such protection exists in his state for IRA funds. (Protection for 401k plans is at a Federal level.)
by oldcomputerguy
Sun May 20, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Wife Retiring hesitant to roll-over funds to Vanguard
Replies: 36
Views: 2457

Re: Wife Retiring hesitant to roll-over funds to Vanguard

My wife also is of the "all eggs in one basket" mindset. We've discussed moving everything to Vanguard in the past, and we concluded that neither of us was comfortable having our entire life savings located where there was a single point of failure. Right now we have my tIRA and both our Roths at Fi...
by oldcomputerguy
Sun May 20, 2018 6:14 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 76
Views: 4332

Re: What’s your phone/internet bill?

All in (after taxes, fees, "because-we-can fees", etc):

Internet / home phone, $73.21 (AT&T Uverse)

Mobile, $67.95 (Consumer Cellular, two lines of unlimited talk and texting plus 5 Gb data)
by oldcomputerguy
Fri May 18, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Hot food flavoring (sauces, spices and peppers)
Replies: 51
Views: 2721

Re: Hot food flavoring (sauces, spices and peppers)

I don't know whether it's more or less spicy than your desired goal, but I've always been a fan of Walkerswood Jerk Sauce. http://www.walkerswood.com/index.php I've been to Jamaica several times, and have sampled the native cuisine more than once (one time from a roadside vendor with a small wood fi...
by oldcomputerguy
Fri May 18, 2018 8:53 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: No Need For Corp Bonds?
Replies: 38
Views: 3518

Re: Larry Swedroe: No Need For Corp Bonds?

Despite the credit risk of corporate bonds, I am under the impression that bondholders are paid before shareholders. Is this not a risk premium worth considering in the face of an economic downturn when bankruptcy is rife and equities are tanking? The flip side to that, though, is that, when things...
by oldcomputerguy
Fri May 18, 2018 7:06 am
Forum: Investing - Theory, News & General
Topic: Is Vanguard anti-competitive?
Replies: 29
Views: 2835

Re: Is Vanguard anti-competitive?

zmaqoptyxbglp wrote:
Fri May 18, 2018 2:13 am
These structures are different from that of a corporation which say issues common stock that have a multitude of holders (these holders being the Vanguard funds in the case of The Vanguard Group Inc).
You're mistaken. Vanguard does not issue common stock.
by oldcomputerguy
Fri May 18, 2018 5:35 am
Forum: Investing - Theory, News & General
Topic: Is Vanguard anti-competitive?
Replies: 29
Views: 2835

Re: Is Vanguard anti-competitive?

Pajamas wrote:
Fri May 18, 2018 2:26 am
Yes, that is a somewhat complicated issue that has been bouncing around the courts for a few years.
Pajamas, you beat me to the punch. I was going to say that the questions raised in the OP were sounding eerily familiar. :wink:
by oldcomputerguy
Fri May 18, 2018 5:20 am
Forum: Personal Consumer Issues
Topic: Chase CS playing games w/me
Replies: 28
Views: 2693

Re: Chase CS playing games w/me

Our mortgage was with Chase, and we made extra principal payments as often as possible, and never ran into this problem. On the monthly statement and returned form there were line items where I could indicate how any extra was to be allocated; it was always applied as I indicated. I never did a mort...
by oldcomputerguy
Fri May 18, 2018 5:14 am
Forum: Investing - Help with Personal Investments
Topic: Cash instead of bonds for 3-fund
Replies: 22
Views: 1964

Re: Cash instead of bonds for 3-fund

I have no personal experience with CDs, never having owned one, but if you owned a three or five year CD purchased a year ago, wouldn’t its market value also be down right now? If so, why invest in cash? There's no market for CDs, so there is no such thing as a "market value for CDs". Any given CD ...
by oldcomputerguy
Wed May 16, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Audiobooks and the Overdrive App
Replies: 19
Views: 1603

Re: Audiobooks and the Overdrive App

startwithtruth wrote:
Sun May 13, 2018 2:57 pm
BPL's membership is $50 per year, but if you're a heavy audiobook listener, it's well worth it:
Indeed. Especially compared to Audible's $14.95/month fee.
by oldcomputerguy
Wed May 16, 2018 8:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 8879

Re: Yes, I'm 89 all right! [Jack Bogle]

I know I'm late to the party (pun intended), but please add my wishes for a happy birthday to those already expressed here.

Happy birthday, sir.
by oldcomputerguy
Wed May 16, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Roof TV Antenna Recommendation Needed
Replies: 23
Views: 1485

Re: Roof TV Antenna Recommendation Needed

We don’t have cable or dish; OTA broadcast is sufficient for us. But, a 22 mph breeze brought down our 38 year old Sears roof antenna recently, and we are looking for a replacement that can handle 4K, Hi-VHF, UHF TV and Sirius XM Satellite Radio reception with a range close to 100 miles. Surprising...
by oldcomputerguy
Wed May 16, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: Create a shareable calendar for iOS and Android?
Replies: 9
Views: 558

Re: Create a shareable calendar for iOS and Android?

+1 on Google Calendar. You can make it shareable, and there are apps for Android and iOS that can connect to a calendar and sync with it. So I’d make it in Google, send a link and then suggest they download a specific app (such as?) to put on their phone’s calendar? That's what I'd do. The specific...
by oldcomputerguy
Wed May 16, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Selling land FSBO help please
Replies: 27
Views: 1268

Re: Selling land FSBO help please

twowheeler wrote:
Tue May 15, 2018 11:15 pm
I have some residential land that I'd like to sell and considering FSBO.
Forgive my ignorance, but what is "FSBO"?
by oldcomputerguy
Wed May 16, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 30
Views: 2920

Re: Unique Phone Apps that you find yourself using most often?

On my iPad: Kindle, Overcast (podcasts -- Apple's latest incarnation of their iOS-native podcast player bites hard), Symantec VIP Access (for Fidelity 2FA), Google Authenticator (multiple account 2FA) On my iPhone: Kindle, Overcast, Delta Airlines app (or other airlines' apps if we happen to be flyi...
by oldcomputerguy
Wed May 16, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Create a shareable calendar for iOS and Android?
Replies: 9
Views: 558

Re: Create a shareable calendar for iOS and Android?

+1 on Google Calendar. You can make it shareable, and there are apps for Android and iOS that can connect to a calendar and sync with it.
by oldcomputerguy
Wed May 16, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Maple syrup
Replies: 59
Views: 4905

Re: Maple syrup

Buy local or make your own if at all possible. I can definitely taste the difference. To the point where I firmly believe store brands are watered down with corn syrup. Funny you mentioned it, I had breakfast with family at Cracker Barrel on Mother's Day, and happened to check out the label on thei...
by oldcomputerguy
Wed May 16, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Free skin cancer screenings
Replies: 26
Views: 2217

Re: Free skin cancer screenings

Rotarman wrote:
Tue May 15, 2018 7:31 pm
A concrete example is self breast cancer screens. They're proven not to save lives, [...]
Having known several people who suffered from breast cancer (some of which died from it and, happily, at least some who beat it), I'm compelled to ask if you have a link to substantiate this claim.
by oldcomputerguy
Wed May 16, 2018 8:05 am
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 78
Views: 6705

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

If you have an investment horizon greater than ten years, and don't plan to sell your holdings in that timeframe, what does it matter what the NAV does? In fact, if you're reinvesting dividends, the greater dividend yield of bond funds combined with lower NAV would seem to be reason to prefer holdi...
by oldcomputerguy
Wed May 16, 2018 5:52 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 7521

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

GratefulinNC wrote:
Wed May 16, 2018 5:28 am
Gold is better than silver. Gold has zero to negative correlation with stocks.
Just curious, how is gold that different from silver? They're both precious metals, neither produces any real return. Why is gold so much "better" than silver?
by oldcomputerguy
Wed May 16, 2018 5:10 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 7521

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

How confident is your friend in his prognosticating skills? Is he selling all his assets and putting them into silver?
by oldcomputerguy
Tue May 15, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 78
Views: 6705

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

If your investment horizon is over ten years, there is absolutely no reason to own bond funds right now. VBTLX has a 2.64% dividend yield, while VBILX has 2.76%. VTSAX has 1.74%. Why chase the less than 1% difference in yield, when bond funds have fallen so much harder than VTSAX? If you have an in...
by oldcomputerguy
Tue May 15, 2018 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Three fund portfolio performance
Replies: 31
Views: 3916

Re: Three fund portfolio performance

Started June 2017. Experiment using robo investing with Vanguard. Thought I would evaluate after one year if I would tcontinue with robo investment and/or profile. So far robo option is gone as far I am concerned. Read the books and articles suggested before starting. Evaluating total return No spe...
by oldcomputerguy
Tue May 15, 2018 7:43 am
Forum: Investing - Theory, News & General
Topic: 2018 401k limit is $55K - do you max it out? Why/why not?
Replies: 110
Views: 9871

Re: 2018 401k limit is $55K - do you max it out? Why/why not?

We just realized that the 401k contribution limit is $55K. We always thought it was $18.5K, but just found out that $18.5K is the elective deferral portion but we can choose to contribute to it on a post-tax basis. A bit late to the game... :oops: Theoretically, if we are able to, should we max out...
by oldcomputerguy
Mon May 14, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon or other Nat'l Park in October?
Replies: 44
Views: 2238

Re: Grand Canyon or other Nat'l Park in October?

We just last month did the Vegas/Grand Canyon trip, staying a few nights in LV, then renting a car and driving to the Grand Canyon. We drove from LV to the Hoover Dam, from there we took AZ state highway 93 down to Kingman, then picked up Route 66 to Williams, Arizona, where we stayed a couple of ni...
by oldcomputerguy
Mon May 14, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8751

Re: Warning: avoid Windows 10 update 1803

Just saw this today in my inbox, thought it was relevant to the thread. Charles Lewis from Florida, USA sent us the following alert which he also posted as a comment on one of Brien Posey's articles on our techgenix.com site: Installed the Windows 10 (Pro) 1803 upgrade on one system April 30 and on ...
by oldcomputerguy
Mon May 14, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 80
Views: 4309

Re: College laptop for fall 2018 freshman

I was discussing this very topic the other day with DW (we have two nieces graduating high school this week and going on to college). She pointed out that it would be good to check with the college to see if they have any particular requirements. From what little I've heard, some colleges are downri...
by oldcomputerguy
Mon May 14, 2018 9:14 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 8862

Re: The front page is ugly

Looks like we have a consensus.

:beer
by oldcomputerguy
Mon May 14, 2018 7:00 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 8862

Re: The front page is ugly

mouses wrote:
Mon May 14, 2018 6:56 am
I mostly have to scroll way down to get to the board links.
If you mostly want to start with the board links, you might bookmark the Forum home page, index.php
by oldcomputerguy
Mon May 14, 2018 6:10 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 8862

Re: The front page is ugly

If by "front page" you mean this page , then yes, it's a bit spartan and does not have any "flash-n-trash". But I happen to like it. It's actually my preferred landing spot here. "Flash-n-trash" would detract from the mission. If that is the page that you don't like, I suggest you bookmark this one ...
by oldcomputerguy
Sun May 13, 2018 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Margin debt ratio
Replies: 39
Views: 2349

Re: Margin debt ratio

tymishu wrote:
Sun May 13, 2018 11:22 am
What do you consider a safe margin debt ratio of the debt to your total asset value?
What do I consider a "safe" amount of margin?

Zero.

In my world view, trading on margin is by definition risky.
by oldcomputerguy
Sun May 13, 2018 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX or VEXAX [Vanguard Total Stock Market vs. Extended Market Index]
Replies: 11
Views: 822

Re: VTSAX or VEXAX

The purpose of Extended Market is to provide the underlying investments that are not included in the S&P500. By holding S&P500, Extended Market, and Total Stock, you're needlessly duplicating underlying investments while adding complexity. Is there a reason for this?
by oldcomputerguy
Sun May 13, 2018 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: How to Exchange Funds in Roth IRA w/o penalty
Replies: 4
Views: 280

Re: How to Exchange Funds in Roth IRA w/o penalty

If you're simply selling a fund held in your Roth IRA and using the proceeds to buy another fund in the same Roth IRA, then this does not count as a withdrawal. So no penalty.
by oldcomputerguy
Fri May 11, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2189

Re: Online/cloud backup or file storage?

JoeRetire wrote:
Fri May 11, 2018 1:13 pm
But I'd never use a library computer. If it came to that I'd purchase a ChromeBook instead.
+1. Never, ever use a library computer to access any financially sensitive sites. Also +1 on the Chromebook. I never use anything Windows-based for financial interactions. Call me paranoid if you wish.
by oldcomputerguy
Thu May 10, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice from Pension Fund Manager - Should I listen?
Replies: 39
Views: 1701

Re: Investment Advice from Pension Fund Manager - Should I listen?

While I was there he was helping my friend sign up for his 401k and was basically saying the exp ratios were ridiculous and to invest mainly in the SP500 through vanguard because of the .04% exp ratio. He certainly is aware of expenses and management costs. He didn't talk too much about long term i...
by oldcomputerguy
Thu May 10, 2018 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Better to Sell Shares appreciated 10% for Short Term Gain or Shares appreciated 30+% for Long Term Gain?
Replies: 10
Views: 1036

Re: Better to Sell Shares appreciated 10% for Short Term Gain or Shares appreciated 30+% for Long Term Gain?

Long-term capital gains are taxed at a lower rate than short-term gains. If you're looking solely at tax consequences, I don't see why you would not want to sell some of the shares held longer than one year.