Search found 3278 matches

by oldcomputerguy
Wed Oct 17, 2018 8:20 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 140
Views: 15411

Re: Fidelity Full View transition to eMoney

Just in case anyone is interested, I noticed this message from Fidelity when I logged in today (dated Oct 1): Since our release of the new Full View, we have received great feedback and prioritized updates to continue improving your experience. We recently completed: (1) Fixed income valuations: Bon...
by oldcomputerguy
Wed Oct 17, 2018 8:03 pm
Forum: Investing - Theory, News & General
Topic: VSUXX not available through Interactive Brokers?
Replies: 2
Views: 310

Re: VSUXX not available through Interactive Brokers?

Is it possible you meant VUSXX (Vanguard Treasury Money Market mutual fund)?
by oldcomputerguy
Wed Oct 17, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 34
Views: 2877

Re: Best way to complain about Hertz bait-and-switch?

I have had good luck with National as an Emerald Club member (free). Free, yep, but holy cow... I took a look at signing up for Emerald Club, and balked when I saw the " terms and conditions " literally spanned 272 pages! I'm not sure I'll live long enough to read and understand their terms. :annoyed
by oldcomputerguy
Wed Oct 17, 2018 4:48 pm
Forum: Investing - Theory, News & General
Topic: A question regarding pension buy-outs
Replies: 2
Views: 224

A question regarding pension buy-outs

I'm trying to wrap my head around a conversation I had with a friend recently. We both worked for the same company some years back, and both ended up being vested in their pension. A few months before his 65th birthday, my friend was contacted by the former employer and was offered a lump-sum distri...
by oldcomputerguy
Wed Oct 17, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: Help me understand dividends
Replies: 112
Views: 9012

Re: Help me understand dividends

No... It's still the same exact amount as not having the dividend at all. How do people still not get that number of shares literally doesn't mean anything? It's the total dollar amount that matters. So, then, is the much-touted "miracle of compounding" nothing more than propaganda? Without dividen...
by oldcomputerguy
Wed Oct 17, 2018 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: $50,000: Should I buy now or wait for the market to drop further?
Replies: 43
Views: 6373

Re: $50,000: Should I buy now or wait for the market to drop further?

I was going to start buying more bonds in the next 6 months but as the stock prices are down, I feel like buying Total Stock or Wellington would be a good idea. Seems to me that this statement strongly implies that you're letting emotions rule your investing. What does your IPS say? What is your de...
by oldcomputerguy
Wed Oct 17, 2018 5:11 am
Forum: Personal Finance (Not Investing)
Topic: What would you do with unexpected tax refund?
Replies: 25
Views: 1233

Re: What would you do with unexpected tax return?

After some extensions with the IRS due to my accountant being behind we finally got our 2017 taxes done and received a refund of about 26k. Count me a surprised, we usually get just a small amount back. So, 26k of found money - what would you do? if you were me? (44 years old, 3 kids at home, 2 yea...
by oldcomputerguy
Wed Oct 17, 2018 5:06 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Prepare For The Bear
Replies: 65
Views: 7547

Re: Larry Swedroe: Prepare For The Bear

james22 wrote:
Wed Oct 17, 2018 1:51 am
Larry wrote:If you are thinking about selling, you might ask yourself what you know that Buffett doesn’t.
Why is Buffett sitting on ~$110B in cash?
Perhaps because he's "won the game" and doesn't need to take so much risk?

If I had $110B to my name, it certainly would not be in the stock market.
by oldcomputerguy
Tue Oct 16, 2018 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: International Fund Down - What to do?
Replies: 36
Views: 2223

Re: International Fund Down - What to do?

My rough back-of-the-envelope calculation gives this: Original asset allocation: 57% domestic stock, 31% international stock, 12% bonds Revised asset allocation: 62% domestic stock, 27% international stock, 11% bonds So your international allocation has drifted from 31% of total portfolio to 27%. I ...
by oldcomputerguy
Tue Oct 16, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 35
Views: 3728

Re: Jury duty - already booked vacation

Hello, I have been called for the jury duty in the week where I have already booked my vacation. What are my next steps? Should I call them and let them know and I can come before or after that week? Or what would their answer be? Can anyone who have similar experience share the details? Thanks, JR...
by oldcomputerguy
Tue Oct 16, 2018 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Job Offer – bonus details provided after acceptance
Replies: 26
Views: 1760

Re: Job Offer – bonus details provided after acceptance

Prospective employer sketchy on details for how this significant bonus is determined and offer letter says details will be provided upon accepting the offer. Given that there is no other significant improvement in your situation from the move, if it were me I would decline. The fact that they're ho...
by oldcomputerguy
Mon Oct 15, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: White LED Christmas Lights
Replies: 7
Views: 862

Re: White LED Christmas Lights

Why am I hearing Trans-Siberian Orchestra warming up in the wings?
:wink:
by oldcomputerguy
Mon Oct 15, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: Should I sell Microsoft Bond
Replies: 19
Views: 1335

Re: Should I sell Microsoft Bond

I have a Microsoft Bond,50,000 dollars yielding 3.15 that matures in 7 years.I t looks like if I sell it I will get back 49,000.If I sell I will buy a 2 year cd yielding almost the same.I have owned the bond for 3 years.Thoughts? The interest rate of the current bond shouldn't change just because p...
by oldcomputerguy
Mon Oct 15, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: Should I sell Microsoft Bond
Replies: 19
Views: 1335

Re: Should I sell Microsoft Bond

(deleted, see replacement post below)
by oldcomputerguy
Mon Oct 15, 2018 6:18 am
Forum: Investing - Help with Personal Investments
Topic: Feedback on Kai-Zen premium finance life insurance plan
Replies: 12
Views: 988

Re: Feedback on Kai-Zen premium finance life insurance plan

This concept is not much different than financing a house – you use a mortgage to leverage the assets you have on hand to buy more house than you could afford on your own. Money is borrowed to buy more house, or with Kai-Zen, more benefits. With Kai-Zen, you are buying a life insurance policy with ...
by oldcomputerguy
Sat Oct 13, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity "FidSafe" Free online storage of documents - is this safe?
Replies: 26
Views: 6467

Re: Fidelity "FidSafe" Free online storage of documents - is this safe?

I'm not really convinced of the value of such a thing. In my case, I have printed instructions for my wife (or my executor, if it comes to that) referring to a USB memory stick in my safe with all that type information stored on it. What benefit does FidSafe provide that my USB stick in my safe doe...
by oldcomputerguy
Sat Oct 13, 2018 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Any Fidelity Puritan Fund (FPURX) investors?
Replies: 11
Views: 431

Re: Any FPURX investors?

Maybe distribution related? Fidelity shows that FPURX issued a dividend of $0.099 per share yesterday, and a capital gain distribution of $1.473 per share the day before. Taking those two distributions together, they total $1.572 per share, which at a NAV of $22.43 is a distribution of over 7%.
by oldcomputerguy
Sat Oct 13, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k and Hello
Replies: 20
Views: 1006

Re: Fidelity 401k and Hello

Thank you all very much! I am checking on Brokerage Link but feel confident now with the funds you recommended. :sharebeer I had my 401k with Fidelity prior to retirement. The company offered BrokerageLink to us in 2016, and I used it to access the new Fidelity Total International Fund, because I d...
by oldcomputerguy
Sat Oct 13, 2018 5:30 am
Forum: Personal Consumer Issues
Topic: Census [Received form in mail]
Replies: 21
Views: 1721

Re: Census

I got a form in the mail last week that looks like it is from the federal govt. It asks me to log onto a website and provide detailed census data and my social security number and other details. It says response is required by law. I got a follow up form today asking again for the data. If it persi...
by oldcomputerguy
Fri Oct 12, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k and Hello
Replies: 20
Views: 1006

Re: Fidelity 401k and Hello

There are some very good options here for a three-fund portfolio. I'd choose the Vanguard Institutional Index fund (which is an S&P500 index fund) for domestic stock, the Vanguard Total International Stock fund for my international allocation (assuming one was desired) and the Vanguard Total Bond fu...
by oldcomputerguy
Fri Oct 12, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer the best index products for a passive investor compared to Vanguard
Replies: 61
Views: 5326

Re: Does Fidelity offer the best index products for a passive investor compared to Vanguard

The past history of Fido index funds indicates that Fido's funds are not as tax efficient as VG's funds probably due to more active traders on Fido site. From what I've read, I think this also stems at least in part from the fact that Vanguard's mutual funds and their ETFs are simply different shar...
by oldcomputerguy
Fri Oct 12, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer the best index products for a passive investor compared to Vanguard
Replies: 61
Views: 5326

Re: Does Fidelity offer the best index products for a passive investor compared to Vanguard

3. Vanguard uses CRSP indexes and Fidelity uses Russell Indexes for some funds (not sure what all but Large Value is one) Fidelity also uses a Russell index for their Large Growth index fund, as well as their Mid Cap and Small Cap index funds. Their Total Market fund uses a Dow Jones US Market inde...
by oldcomputerguy
Fri Oct 12, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Best Roth Provider For Low $s
Replies: 8
Views: 393

Re: Best Roth Provider For Low $s

SpaceMonkey wrote:
Fri Oct 12, 2018 12:56 pm
Fidelity.
+1. Many (most?) of Fidelity's index funds now have zero minimum investment, and there is no fee simply for opening a Roth account.
by oldcomputerguy
Fri Oct 12, 2018 11:35 am
Forum: Investing - Theory, News & General
Topic: Morse Code Glide Path
Replies: 32
Views: 1709

Re: Morse Code Glide Path

cheese_breath wrote:
Fri Oct 12, 2018 11:09 am
oldcomputerguy wrote:
Fri Oct 12, 2018 11:06 am
cheese_breath wrote:
Fri Oct 12, 2018 9:30 am
When I saw Morse Code I was expecting dots and dashes. :D
You mean dits and dahs?
:wink:
OK for sound. But the forum doesn't have sound features, ergo dots and dashes here. :D
Point taken. :beer
by oldcomputerguy
Fri Oct 12, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: Morse Code Glide Path
Replies: 32
Views: 1709

Re: Morse Code Glide Path

cheese_breath wrote:
Fri Oct 12, 2018 9:30 am
When I saw Morse Code I was expecting dots and dashes. :D
You mean dits and dahs?
:wink:
by oldcomputerguy
Thu Oct 11, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3108

Re: Budget Coffee

dm200 wrote:
Thu Oct 11, 2018 5:28 pm
as long as it is wet and has caffeine - I am very happy.
For what it is worth, DW just seconded this opinion.
:D
by oldcomputerguy
Thu Oct 11, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3108

Re: Budget Coffee

I tend to like light roasts and spend ~$16 / lb whole beans but got some New England Coffee the other day at about $6 / lb and didn't think it was all that bad. I'll probably stick with the local higher end stuff but am curious to try more of the cheap stuff. What do you all like for coffee say und...
by oldcomputerguy
Thu Oct 11, 2018 2:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7377
Views: 1548571

Re: U.S. stocks in freefall

Esq123 wrote:
Thu Oct 11, 2018 1:22 pm
As long as Trump remains president we will be winning.
On the off chance that this post was not intended to be tongue-in-cheek, I would point out that discussion of politics is prohibited here.
by oldcomputerguy
Thu Oct 11, 2018 12:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7377
Views: 1548571

Re: U.S. stocks in freefall

tony_roach wrote:
Wed Oct 10, 2018 7:23 pm
OP if it makes you feel better my overall portfolio went down 20K today and I still purchased in my taxable account.
You know, it just occurred to me, I have absolutely no idea how much my portfolio went down yesterday.
by oldcomputerguy
Wed Oct 10, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 108
Views: 7482

Re: What did you buy today

Groceries.
by oldcomputerguy
Wed Oct 10, 2018 4:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7377
Views: 1548571

Re: Stocks tumbling?

It's clearly because of a disturbance of the variable reluctance in the recent turbo encabulator. Which causes a need to maintain a vorden hold until one receives photomagnus clearance from Melnix. :twisted: :D See: "Turbo Encabulator" the Original - YouTube Spoiler alert: For those who need an exp...
by oldcomputerguy
Wed Oct 10, 2018 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: When stocks and bonds drop at the same time, what do you do?
Replies: 40
Views: 4400

Re: When stock and bod drop at the same time, what do you do?

Big picture: If it's been a year since I rebalanced, I look at my IPS, note the asset allocation, look at where things are now, and do whatever it takes to bring my AA back to spec. If it's been less, I do nothing. Subtext: If I notice that something is more than 5% out of desired allocation percent...
by oldcomputerguy
Wed Oct 10, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7377
Views: 1548571

Re: Stocks tumbling?

Jack FFR1846 wrote:
Wed Oct 10, 2018 9:58 am
It's clearly because of a disturbance of the variable reluctance in the recent turbo encabulator.
Which causes a need to maintain a vorden hold until one receives photomagnus clearance from Melnix.
:twisted:
by oldcomputerguy
Wed Oct 10, 2018 7:14 am
Forum: Forum Issues and Administration
Topic: My threads or posts.
Replies: 6
Views: 621

Re: My threads or posts.

Click the menu icon at top of page (3 horizontal lines) and click the link that says "your posts". When I do this, I get a list of the threads I've posted in. OP, if you just want a list of your own posts, it's available as well. In the upper-right-hand corner, click on your username, then in the d...
by oldcomputerguy
Tue Oct 09, 2018 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: FKINX-A?
Replies: 2
Views: 189

Re: FKINX-A?

Fidelity lists it but they show it as closed to new investors, so likely you can’t buy it anywhere.
by oldcomputerguy
Tue Oct 09, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for TBM at Fidelity
Replies: 6
Views: 427

Re: Looking for TBM at Fidelity

Thanks for your help. I am actually seeing ERs of .15% for FBIDX and .05% for FSITX. Is it possible the ERs have come down very recently and I am just seeing old info? Appreciate your help. I don’t know where you’re seeing that information, but wherever it is, it’s not current. The Fidelity web sit...
by oldcomputerguy
Mon Oct 08, 2018 5:15 pm
Forum: Investing - Theory, News & General
Topic: Market decline in 2019 ?
Replies: 73
Views: 6455

Re: Market decline in 2019 ?

Most people believe we are in a bubble and will see a big market decline (anywhere from 20-50%) soon. A lot of "experts" believe this could be in 2019. Most people on this forum probably also believe a significant market decline will probably come eventually. The Bogleheads philosophy is "stay the ...
by oldcomputerguy
Mon Oct 08, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: "Experian Flaw Just Revealed PINs Protecting Credit Data"; What to do?
Replies: 42
Views: 4401

Re: "Experian Flaw Just Revealed PINs Protecting Credit Data"; What to do?

Yes. So people who had frozen their credit could have had their credit unfrozen so that new accounts could be opened in their name. However, I thought that they emailed you immediately (i.e. before hackers could change the email address on record) when you had your credit unfrozen. That was not my ...
by oldcomputerguy
Mon Oct 08, 2018 9:07 am
Forum: Investing - Theory, News & General
Topic: Biggest bubble in the history of mankind(?) Is it time to sell?
Replies: 40
Views: 3790

Re: Biggest bubble in the history of mankind(?) Is it time to sell?

Ron Paul is calling this the Biggest bubble in the history of mankind and is forecasting a 50% drop in stocks: https://www.cnbc.com/2018/10/05/ron-paul-us-barreling-towards-a-recession-and-theres-no-escape.html Even Jack Bogle suggested to sell 5 or 10% of equities at the Bogleheads conference, and...
by oldcomputerguy
Sun Oct 07, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Active vs passive indexing
Replies: 14
Views: 1360

Re: Active vs passive indexing

US Stocks:
VPMAX (ER 0.32%) vs VITPX (ER 0.02%)
Can you even access VITPX? It is the Institutional Plus version of TSM, with a hefty $100 Million minimum investment. Or is this fund perhaps one of your 401K options?
by oldcomputerguy
Sun Oct 07, 2018 8:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7377
Views: 1548571

Re: U.S. stocks in freefall

oldzey wrote:
Fri Oct 05, 2018 3:48 pm
Looks like he decided to stick around and show off his cuteness.
If he starts dancing “Gangnam Style”, I’m going to cash.
:P
by oldcomputerguy
Sun Oct 07, 2018 8:14 am
Forum: Investing - Theory, News & General
Topic: "The Business Man and The Fisherman"
Replies: 9
Views: 2005

Re: "The Business Man and The Fisherman"

Great tale. The fisherman had what the business man would never ever have: “enough”.
by oldcomputerguy
Sat Oct 06, 2018 5:47 am
Forum: Investing - Theory, News & General
Topic: 2018 Bogleheads Conference Notes
Replies: 36
Views: 5035

Re: 2018 Bogleheads Conference Notes

This was my first (but hopefully not my last) Bogleheads Conference. Thanks to all the attendees (both veteran and first-timers like myself) for making it so enjoyable. I only wish it could have lasted longer.
by oldcomputerguy
Fri Oct 05, 2018 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Differences between Index Funds
Replies: 20
Views: 1919

Re: Differences between Index Funds

Hello, I'm new to investing. I opened an account with Charles-Schwab and started investing with them. Vanguard always seems to be the index funds people praise but I invested with Charles-Schwab index funds since they had no commission. Is there a major difference between the two that could make up...
by oldcomputerguy
Fri Oct 05, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Differences between Index Funds
Replies: 20
Views: 1919

Re: Differences between Index Funds

Hello, I'm new to investing. I opened an account with Charles-Schwab and started investing with them. Vanguard always seems to be the index funds people praise but I invested with Charles-Schwab index funds since they had no commission. Is there a major difference between the two that could make up...
by oldcomputerguy
Fri Oct 05, 2018 7:24 am
Forum: Investing - Theory, News & General
Topic: Key differences between investing philosophies: Swedroe vs. Bogle
Replies: 144
Views: 7604

Re: Key differences between investing philosophies: Swedroe vs. Bogle

Wow, some pretty deep thought out responses in this thread. Several way past me. My view is simple. Larry is trying to sell people something to make money, period. Jack hasn't had to sell anything in a long time, and simply preaches philosophy. I can't agree more. Bogle has never sold anything, eve...
by oldcomputerguy
Fri Oct 05, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: Simple, free way to send photos to people?
Replies: 15
Views: 991

Re: Simple, free way to send photos to people?

Here is what I do: Select a picture. Right click. Select send to. Select email. It shows up as an attachment in an email in my default email program. Then I can address that email to whomever I wish. This works unless the recipient’s email server has a restriction on message or attachment size. I’v...
by oldcomputerguy
Wed Oct 03, 2018 12:27 pm
Forum: Investing - Theory, News & General
Topic: Flattening yield curve
Replies: 55
Views: 4803

Re: FLATTENING YIELD CURVE

Kennyt7 wrote:
Wed Oct 03, 2018 11:47 am
Anyone feel this is leading to RECESSION?
Sooner or later.
by oldcomputerguy
Wed Oct 03, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Shows in Las Vegas for 6 and 8 year old
Replies: 23
Views: 1542

Re: Shows in Las Vegas for 6 and 8 year old

Not sure but will 6 and 8 year enjoy Blue Man Group show? If not, are there any shows which I should be looking at. These shows are 90 minutes so not sure if kids can sit to enjoy. From Have you ever seen Blue Man Group? Personally I found it kind of meh. It's performance art the kids may get bored...