Search found 3631 matches

by oldcomputerguy
Tue Jan 22, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 872
Views: 158767

Re: Boglehead Beer

Until last week, the only two beers I ever had a taste for were Red Stripe (preferably on the beach in Jamaica, store-bought just isn’t the same for some reason) and Blue Moon. Last week we were at Adam & Eve in St. James London, and I tried Guinness for the first time, and really enjoyed it.
by oldcomputerguy
Tue Jan 22, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 26
Views: 964

Re: External Hard Drive?

I suspect this is a rather lame tech inquiry ..... I want to back up my Dell Latitude E5530 periodically as I have some spreadsheets and other important info that is not in the cloud (yep, should have started doing this a long time ago) .... I'm not concerned about the cost .... just want something...
by oldcomputerguy
Tue Jan 22, 2019 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Go-to Bond Funds
Replies: 3
Views: 234

Re: Go-to Bond Funds

In my early 30's and know very little about investing in bonds or bond funds. Currently have less than 5% of net worth in bonds and know that I need to change this, at least over time. So far I've been buying some I bonds and also adding the Vanguard Total Bond (BND) and iShares Aggregate Bond (AGG...
by oldcomputerguy
Tue Jan 22, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: River Cruise
Replies: 6
Views: 602

Re: River Cruise

We have done several of these in the last year or two. We used Viking for Amsterdam to Budapest, Moscow to St. Petersburg and Odessa to Kiev. Have nothing but wonderful to say about them and have three more booked with them. You will find the pictures I took on them in here if interested. https://w...
by oldcomputerguy
Tue Jan 22, 2019 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Tax Efficiency within Stocks: What goes to Taxable vs 401k
Replies: 3
Views: 273

Re: Tax Efficiency within Stocks: What goes to Taxable vs 401k

Based on my understand, a significant portion of growth of REITs come from their dividends. So REITs should *never* be in taxable. You should also keep in mind that the dividends from REIT funds are unqualified and so are taxed at your marginal tax rate (they never get tax-advantaged treatment like...
by oldcomputerguy
Tue Jan 22, 2019 9:32 am
Forum: Investing - Help with Personal Investments
Topic: selecting investment firm
Replies: 20
Views: 1002

Re: selecting investment firm

Hmm, I note what while editing a reply I cannot scroll up/down and so as to copy/paste from other posts. That ability is quite handy. That's odd. While typing this response, I scrolled the page down and saw a window wherein all the previous replies (and your original post) were reproduced. I don't ...
by oldcomputerguy
Tue Jan 22, 2019 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Saving for 1-2 years rather than for a lifetime
Replies: 72
Views: 5560

Re: Saving for 1-2 years rather than for a lifetime

arcticpineapplecorp. wrote:
Tue Jan 22, 2019 8:32 am
thank you. should have looked there. Gosh, isn't everything we need in the wiki!?
:beer
by oldcomputerguy
Tue Jan 22, 2019 6:12 am
Forum: Investing - Help with Personal Investments
Topic: Saving for 1-2 years rather than for a lifetime
Replies: 72
Views: 5560

Re: Saving for 1-2 years rather than for a lifetime

2. you are losing the power of compounding interest. You could save far less now and have it grow to way more than if you delay saving and would have to save far more later and still would never catch up to what you could've had. If you don't want to save less now what makes you think you'll want t...
by oldcomputerguy
Tue Jan 22, 2019 6:08 am
Forum: Investing - Help with Personal Investments
Topic: Saving for 1-2 years rather than for a lifetime
Replies: 72
Views: 5560

Re: Saving for 1-2 years rather than for a lifetime

wiserabbit wrote:
Mon Jan 21, 2019 3:35 pm
If you are under 50 why at all bother with lifetime saving? Why not save for 1-2 years of expense and live a less saving-driven life?
What will happen when you reach 67 and have saved nothing?
by oldcomputerguy
Mon Jan 21, 2019 1:41 pm
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 6203

Re: Paying thousands per ticket to attend the NFL Super Bowl?

I received a suggestion to edit the thread: For those who enjoy following NFL football, is the NFL Super Bowl ticket price worth the experience? There is absolutely no sports event on this earth that I want to see bad enough to pay that kind of money for a ticket. If a ticket costs me thousands of ...
by oldcomputerguy
Sun Jan 20, 2019 6:01 am
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card for International Travel
Replies: 51
Views: 3067

Re: Best Credit Card for International Travel

My primary card is a Capital One Quicksilver. The one problem with that card is that there is no way to place a travel notification on the card, so if you have an overseas purchase that gets flagged, you need internet access to check your email and unlock your card. This is true. Sadly, even being ...
by oldcomputerguy
Sat Jan 19, 2019 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Sell AMCPX for VEIRX?
Replies: 2
Views: 204

Re: Sell AMCPX for VEIRX?

If you're wanting a large-cap value fund, you might give VVIAX (Vanguard Value Index Fund) a look. Over the past ten years, it's performed very similarly to VEIRX, but only has an ER of 0.05%. Also, VEIRX seems to have had higher dividend payouts than VVIAX. In a tax-advantaged account, this won't b...
by oldcomputerguy
Sat Jan 19, 2019 5:13 pm
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 80
Views: 9254

Re: Who's flying?

I'm not really understanding the Atlanta story. I believe it may be the busiest airport in the world, but most of that is from travellers connecting through Atlanta -- not the people that live in the greater Atlanta area who are going to the airport. Thanks true, but part of the problem (and the pr...
by oldcomputerguy
Sat Jan 19, 2019 4:33 am
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 80
Views: 9254

Re: Who's flying?

I haven't flown since the current debacle started, but friends have told me no issues, apologies to those that had problems in Atlanta. I believe most of the media is just over-hyping any bad news they can for their ratings. With regard to the overall picture, you could be right. With regard to Atl...
by oldcomputerguy
Fri Jan 18, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 872
Views: 158767

Re: Boglehead Beer

Brasserie d'Achouffe makes great Belgian beers indeed! I personally love their La Chouffe ... coincidentally my draft cup of choice has always been the tulip glass of the same (below), but recently broke it after years of devoted use. RIP. https://static.webshopapp.com/shops/019852/files/011763503/...
by oldcomputerguy
Fri Jan 18, 2019 5:46 am
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 283
Views: 47454

Ally online savings now at 2.20%

And the beat goes on...

Email from Ally this morning, they're at 2.2%
by oldcomputerguy
Thu Jan 17, 2019 7:56 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 852
Views: 44735

Re: John Bogle is dead at 89

LadyGeek wrote:
Wed Jan 16, 2019 5:54 pm
FYI - I will change the forum header to gray to put us in a state of mourning. Let me catch up first.
I noted the visible change earlier, it seems to have reverted back to the stock header now.
by oldcomputerguy
Thu Jan 17, 2019 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity app now has fingerprint login
Replies: 24
Views: 1560

Re: Fidelity app now has fingerprint login

CalculatedRisk wrote:
Thu Jan 17, 2019 12:24 am
iPhone is more secure than your “religiously updated” computer.
Not mine.

Image
by oldcomputerguy
Wed Jan 16, 2019 9:34 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 852
Views: 44735

Re: John Bogle is dead at 89

Sad news indeed. Thank you, Mr. Bogle, for all you did for us.

:(
by oldcomputerguy
Wed Jan 16, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 80
Views: 9254

Re: Who's flying?

Update on my earlier post: We flew from Heathrow to Atlanta yesterday, en route to our home airport. Immigration at Atlanta was smooth (Global Entry). However, after we passed that gauntlet and re-checked our bags for the homeward leg, we encountered absolute chaos at the security re-screening. Supp...
by oldcomputerguy
Fri Jan 11, 2019 11:56 am
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 7778

Re: United, American Airlines, Delta--about the same?

Going by what the article said, it looks like the family was attempting a couple of things that were violations of FAA regulations, so it doesn’t seem to be the same situation as the UA incident. I assume you're referring to this Actually, no, I was referring to the allegation that they had purchas...
by oldcomputerguy
Fri Jan 11, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 80
Views: 9254

Re: Who's flying?

Flew out of TYS bound for Barcelona Jan 3, noticed nothing different. TSA Precheck still worked. Departing London Heathrow and re-entering the US through Atlanta in four days, should be interesting.
by oldcomputerguy
Fri Jan 11, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 7778

Re: United, American Airlines, Delta--about the same?

My $0.02 for what it’s worth... Actual in-flight service hasn’t been a factor for my choice of an airline, one is roughly like another plus/minus good/bad days. Like one of the other posters mentioned, I am absolutely put off United due to their demonstrated contempt for passenger rights and safety...
by oldcomputerguy
Fri Jan 11, 2019 4:21 am
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 7778

Re: United, American Airlines, Delta--about the same?

My $0.02 for what it’s worth... Actual in-flight service hasn’t been a factor for my choice of an airline, one is roughly like another plus/minus good/bad days. Like one of the other posters mentioned, I am absolutely put off United due to their demonstrated contempt for passenger rights and safety ...
by oldcomputerguy
Fri Jan 11, 2019 4:07 am
Forum: Investing - Help with Personal Investments
Topic: International debate again!!
Replies: 16
Views: 1139

Re: International debate again!!

I’m at 30%. I was at 30% yesterday, and will be at 30% tomorrow. I don’t care what Vanguard does. 30% is where I’ve decided I want to be.

Stay the course
by oldcomputerguy
Thu Jan 10, 2019 2:46 am
Forum: Personal Consumer Issues
Topic: Expensive DSLR through airport security
Replies: 45
Views: 3034

Re: Expensive DSLR through airport security

I hadn't either until I flew last month. They are now asking for everything electronic bigger than a phone to be pulled out. DW and I left last week for Barcelona. I had my EOS kit in a camera bag which was then stuffed down inside a backpack, I just put the backpack through the X-ray with no issue...
by oldcomputerguy
Wed Jan 09, 2019 4:10 am
Forum: Investing - Theory, News & General
Topic: Your Vanguard Page
Replies: 32
Views: 2865

Re: Your Vanguard Page

From someone who used to look two or three times a day, a word of advice: You need to stop looking. It will drive you crazy and make it that more probable that you’ll make some behavioral mistake. I log on once a month to download my statements (and to make sure that haven’t been hacked), otherwise ...
by oldcomputerguy
Tue Jan 08, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: I bought a new iPad on sale...should I have?
Replies: 38
Views: 2561

Re: I bought a new iPad on sale...should I have?

Keep it. Great for travel. I have an iPad Air 2, and am using it to post this from a cruise ship off the coast of Spain. I also use it for email and texts back and forth to/from family while traveling, and I use the Kindle app in place of a hardware Kindle. I also have some movies loaded upon it, an...
by oldcomputerguy
Tue Jan 08, 2019 1:47 am
Forum: Personal Consumer Issues
Topic: TV antennas...
Replies: 35
Views: 2640

Re: TV antennas...

Some did. Most elected to stay on their UHF channels because computer prediction showed that coverage of 8VSB-modulated signals would be better in some areas on UHF than it would be at VHF. In at least our own town, this was borne out when the local NBC affiliate, who was on channel 10 analog / cha...
by oldcomputerguy
Mon Jan 07, 2019 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Elders....A young buck needs your help!
Replies: 15
Views: 1240

Re: Elders....A young buck needs your help!

goblue100 wrote:
Mon Jan 07, 2019 12:21 pm
You didn't mention the interest rate.
OP indicates 4%.
by oldcomputerguy
Sun Jan 06, 2019 10:02 am
Forum: Investing - Help with Personal Investments
Topic: 3-fund @ Fidelity - Bond
Replies: 6
Views: 331

Re: 3-fund @ Fidelity - Bond

FTBFX is not an index fund, has a higher expense ratio and is heavier on commercial bonds.
by oldcomputerguy
Sat Jan 05, 2019 1:55 am
Forum: Personal Consumer Issues
Topic: TV antennas...
Replies: 35
Views: 2640

Re: TV antennas...

FWIW, the quality of OTA HD is far superior to satellite or cable TV HD imagery. This always used to drive me nuts watching DirecTV in our home. They (and I suppose the other vendors as well) used much higher compression (lower bit rates) on video than the local DTV stations did, which ended up cau...
by oldcomputerguy
Sat Jan 05, 2019 1:48 am
Forum: Personal Consumer Issues
Topic: TV antennas...
Replies: 35
Views: 2640

Re: TV antennas...

Used to be twinlead because stations used to be VHF only. Almost all stations these days are UHF as a side effect of the 2009 digital cutover. You don’t want to use twinlead with UHF. After the analog shutdown, many stations moved their digital broadcasts from UHF to high-VHF (7-13). After the curr...
by oldcomputerguy
Fri Jan 04, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: TV antennas...
Replies: 35
Views: 2640

Re: TV antennas...

Over the air TV stations are all now digital. The good news with this is that instead of their signal being required to reach 50 miles, they now have to reach 75 miles. Actually, the FCC mandated in their calculations governing licensed power for DTV transmitters that coverage area would be replica...
by oldcomputerguy
Fri Jan 04, 2019 3:09 pm
Forum: Personal Consumer Issues
Topic: TV antennas...
Replies: 35
Views: 2640

Re: TV antennas...

Almost any conductor will act like a bad antenna. A GOOD antenna will be connected to the receiver using a good transmission line (used to be twinlead designed for this purpose), will be placed as high as possible, clear of all structures, and with no intervening objects between it and the transmit...
by oldcomputerguy
Fri Jan 04, 2019 12:11 am
Forum: Investing - Theory, News & General
Topic: What do you think of this advice?
Replies: 62
Views: 4224

Re: What do you think of this advice?

l1am wrote:
Wed Jan 02, 2019 8:15 pm
What should I do during a stock market crash?

Quora link: https://qr.ae/TUnNcK

tldr on advice:
  1. Learn how to perform at least basic technical analysis.
I didn’t read the linked material. This one line is enough to tell me to ignore it.
by oldcomputerguy
Wed Jan 02, 2019 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Can frozen credit cause problems opening an HSA?
Replies: 9
Views: 633

Re: Can frozen credit cause problems opening an HSA?

I’m glad it worked out. I’m not surprised at something like this. Hopefully there would be a “catch” after the first paycheck when Optum returns the funds to the employer. But yeah, it would be nice if Optum had simply called to ask or even sent a letter to the PO Box explaining the concern. Or sin...
by oldcomputerguy
Wed Jan 02, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Can frozen credit cause problems opening an HSA?
Replies: 9
Views: 633

Re: Can frozen credit cause problems opening an HSA?

Thus, while YMMV, I would say that an employer-triggered HSA opening is unlikely to run into issues. Have you called Optum and checked with them vs. your spouse's employer? Follow-up: DW called her HR guys Monday afternoon, they told her that all the paperwork had been submitted for all the employe...
by oldcomputerguy
Wed Jan 02, 2019 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: VG advises 15% International Bonds (VTABX)... Why?
Replies: 48
Views: 3457

Re: VG advises 15% International Bonds (VTIAX)... Why?

Um, forgive me for pointing this out, but VTIAX is international stock, not bonds.
by oldcomputerguy
Tue Jan 01, 2019 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard International Fund down for year?
Replies: 16
Views: 874

Re: Vanguard International Fund down for year?

Jesteroftheswamp wrote:
Tue Jan 01, 2019 3:40 pm
jhfenton wrote:
Tue Jan 01, 2019 3:33 pm
VTIAX (Vanguard Total International Admiral) was down 14.43% in 2018.
Down from what?? How do I know if I gained or lost $$$?
Compare the price at which you bought to the price today. If today's price is less, you lost money. If today's price is more, you gained.
by oldcomputerguy
Tue Jan 01, 2019 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard International Fund down for year?
Replies: 16
Views: 874

Re: Vanguard International Fund down for year?

jhfenton wrote:
Tue Jan 01, 2019 3:33 pm
VTIAX (Vanguard Total International Admiral) was down 14.43% in 2018.
According to Yahoo Finance, VTIAX opened on January 1 at 30.85 and closed December 31 at 25.37, which works out to a change of 17.76%.
by oldcomputerguy
Tue Jan 01, 2019 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Can frozen credit cause problems opening an HSA?
Replies: 9
Views: 633

Re: Can frozen credit cause problems opening an HSA?

It is possible today that your wife could create/ logon to the account and see what it says, so she should attempt that. I had thought of that, but unfortunately part of the material we have not yet received is instructions for logging on to the account. In fact we have received nothing specific to...
by oldcomputerguy
Tue Jan 01, 2019 7:25 am
Forum: Investing - Help with Personal Investments
Topic: What is the expected real return of S&P 500 for the next 30 years?
Replies: 51
Views: 4340

Re: What is the expected real return of S&P 500 for the next 30 years?

S&P 500's long-term real return is 7%, however for the past 19 years (since 2000) it's just 3%, despite the long bull market and low inflation. True, this was the annualized nominal return during your chosen time period. However, if instead of looking at the last 19 years we looked at the last 17 y...
by oldcomputerguy
Tue Jan 01, 2019 5:59 am
Forum: Personal Consumer Issues
Topic: Why doesn't my iphone (5c) ring when call comes in?
Replies: 21
Views: 1697

Re: Why doesn't my iphone (5c) ring when call comes in?

Another possibility might be that the phone is in "do not disturb" mode. Check "Settings" / "Do Not Disturb".
by oldcomputerguy
Tue Jan 01, 2019 5:57 am
Forum: Personal Finance (Not Investing)
Topic: Can frozen credit cause problems opening an HSA?
Replies: 9
Views: 633

Can frozen credit cause problems opening an HSA?

We're on my wife's health insurance through her workplace. This year, we're changing over to a HDHP with HSA. Supposedly the new materials (with debit card to access the account) were mailed out the last week of December, but we have not yet received them. DW checked with one of her co-workers yeste...
by oldcomputerguy
Mon Dec 31, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Happy New Year Do you have plans?
Replies: 37
Views: 1791

Re: Happy New Year Do you have plans?

Munchies, a bottle of Mumm de Cramant, and binge-watching season 1 of “Rowan & Martin’s Laugh-In.”
:D :D :D :sharebeer
by oldcomputerguy
Mon Dec 31, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Barclaycard Arrival Plus™ World Elite Mastercard®
Replies: 40
Views: 3064

Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Why pay the AF at all? Where did I suggest paying the AF? “Shove it into the drawer until the AF posts”. And then cancel the card. Gotcha. “Posts” implied after it’s too late in my view. I had a Capital One Mastercard with an annual fee. Decided to cancel right after having paid the annual fee. It ...
by oldcomputerguy
Mon Dec 31, 2018 12:32 pm
Forum: Investing - Theory, News & General
Topic: What have you learned this year
Replies: 90
Views: 6884

Re: What have you learned this year

I’ve learned to be more careful when working around the house. (Elbow surgery, physical therapy, and doctor bills are no fun.)
by oldcomputerguy
Mon Dec 31, 2018 5:58 am
Forum: Investing - Theory, News & General
Topic: International Funds Still Relevant in a Simple Portfolio?
Replies: 72
Views: 4711

Re: International Funds Still Relevant in a Simple Portfolio?

I'm still holding 30% of my equity in international. This was my initial allocation, and I have no plans to change it.
by oldcomputerguy
Sat Dec 29, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: can AT&T limit coverage for consumer cellular customers (CC uses AT&T towers)
Replies: 13
Views: 1164

Re: can AT&T limit coverage for consumer cellular customers (CC uses AT&T towers)

Also a several years' satisfied customer of CC (thanks to this board), and only negative (and not AT&T fault) is that CC is not available for international roaming or calls easily. We’re on CC. Recently I had them enable international roaming on my iPhone 6s, it required changing out the “stock” AT...