Search found 3215 matches

by oldcomputerguy
Tue Sep 25, 2018 6:42 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest cash in IRA
Replies: 8
Views: 674

Re: Where to invest cash in IRA

Thanks to all who replied. The money is an old Interactive Brokers IRA. So buying a mutual fund is expensive. I can buy Vanguard ETF's like VTI for a small commission. Just a suggestion, why not open a new Roth IRA at Vanguard and pull this money over to that account? Then you can buy whatever Vang...
by oldcomputerguy
Tue Sep 25, 2018 5:48 am
Forum: Personal Finance (Not Investing)
Topic: Best way to get $100k cash
Replies: 82
Views: 6452

Re: Best way to get $100k cash

Sorry I hadn't read that far. There is one card you can do this with. Chase slate still has no fee bal transfer and not sure but think you can get cash advance. Nope. https://applynow.chase.com/FlexAppWeb/pricing.do?card=FQXK&page_type=appterms Chase Slate charges Prime + 21.74% for cash advances.
by oldcomputerguy
Tue Sep 25, 2018 5:42 am
Forum: Personal Finance (Not Investing)
Topic: Best way to get $100k cash
Replies: 82
Views: 6452

Re: Best way to get $100k cash

Pay it off in the next year. There are much easier ways to get a 0.625% return in the future. Sorry, I should have made that more clear. I am hoping for a 3.625% return hoping that there is some card out there that gives out cash advance at 0% fees. This is a minefield. Cards typically have separat...
by oldcomputerguy
Mon Sep 24, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Does it make sense to own two different total stock index funds?
Replies: 21
Views: 1242

Re: Does it make sense to own two different total stock index funds?

To prevent a wash sale when tax loss harvesting. If you sell a fund at a loss and claim a deduction, you can't hold another almost identical fund without triggering a wash. Correct me if I'm wrong, the issue is not simply holding shares of the same fund that you just sold and claimed the loss on, i...
by oldcomputerguy
Sun Sep 23, 2018 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: How to set up direct deposit to Vanguard Prime Money Market?
Replies: 13
Views: 1103

Re: How to set up direct deposit to Vanguard Prime Money Market?

I am not even sure why Vanguard made our settlement account Vanguard Federal Money Market Fund (that's worse than Prime MM)... https://investor.vanguard.com/mutual-funds/money-market-reform/ Our Federal Money Market Fund**—which also seeks to maintain a stable $1 NAV—is now the only fund that can b...
by oldcomputerguy
Sun Sep 23, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Fidelity cobrowser??
Replies: 34
Views: 2411

Re: Fidelity cobrowser??

Is this like the remote access that, say, GeekSquad might request if one needs online help? Or is it something else (more restricted, less)? Does it use a similar method of "allowing" the "other" to access? (I think GeekSquad uses logmein, but don't remember for sure.) With GeekSquad, the user need...
by oldcomputerguy
Sun Sep 23, 2018 4:56 pm
Forum: Investing - Theory, News & General
Topic: Zero-ER Fidelity Funds [Closed to new investors?]
Replies: 38
Views: 2715

Re: Fidelity zero ER funds closed?

Agggm wrote:
Sun Sep 23, 2018 3:01 pm
At a prior job I had, we licensed the sp500 index. The cost was 2bp.
Not bad. According to this article on Motley Fool, State Street pays Standard & Poor 0.03% of AUM plus $600,000 annually for licensing the S&P 500 index for its SPY ETF.
by oldcomputerguy
Sun Sep 23, 2018 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: What is right place for MLPs in portfolios?
Replies: 12
Views: 692

Re: What is right place for MLPs in portfolios?

Please excuse my ignorance, just what is an MLP?
by oldcomputerguy
Sun Sep 23, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Fidelity cobrowser??
Replies: 34
Views: 2411

Re: Fidelity cobrowser??

LadyGeek wrote:
Sun Sep 23, 2018 10:54 am
It's legit? :shock: Anything dealing with finance is a big red target for scammers to try harder. An investment site that allows remote access? Open the floodgates.
No kidding. This has me for the first time considering moving my accounts away from Fidelity.
by oldcomputerguy
Sun Sep 23, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3505

Re: How to get rid of rabbits

Ruger wrote:
Sat Sep 22, 2018 9:57 pm
Alexa9 wrote:
Sat Sep 22, 2018 9:52 pm
Pesky widdle wabbits. I'd try a plastic explosive shaped like their best friend the gopher.
Maybe Elmer Fudd and his shotgun would do the job.
Or maybe his spear and magic hewmet?
:twisted:
by oldcomputerguy
Sun Sep 23, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Fidelity cobrowser??
Replies: 34
Views: 2411

Re: Fidelity cobrowser??

I finally got an answer from Fidelity, by going through their customer service chat. According to their rep, yes, this is legitimate. It's a new support feature they are working on rolling out, and I just happened to be unlucky enough to have accidentally tripped it before they announced.
by oldcomputerguy
Sun Sep 23, 2018 8:35 am
Forum: Investing - Theory, News & General
Topic: Emerging vs Developed in Fidelity Total Int’l
Replies: 6
Views: 559

Re: Emerging vs Developed in Fidelity Total Int’l

If you click on "Composition" and scroll down, you should see a breakout graphic that shows that emerging markets is 24%.
by oldcomputerguy
Sat Sep 22, 2018 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX vs. FZROX for new investments
Replies: 14
Views: 1031

Re: VTSAX vs. FZROX for new investments

i dont like they track only 80% of an index... that they made up. I'll grant you the part about an index they made up. But then, how many ETFs out there are supposedly tracking an invented index? That doesn't bother me that much. As for the 80% figure, I'm not sure that this is not at least somewha...
by oldcomputerguy
Sat Sep 22, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Fidelity cobrowser??
Replies: 34
Views: 2411

Re: Fidelity cobrowser??

Oh... I missed that...what a shame! Fun! :D Was that only on that particular hardware, or any FORTRAN compiler? No, sorry, only the Scientific Data Systems FORTRAN compiler for the Sigma series hardware. I programmed in PL/1 Oh, so you're the one. :shock: [BTW, wasn't it $100 back then, or did the ...
by oldcomputerguy
Sat Sep 22, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Fidelity cobrowser??
Replies: 34
Views: 2411

Re: Fidelity cobrowser??

Probably very late to the party, but I didn't fully realize about "Easter Eggs". LOVE the example in the link you gave, regarding instructions from Tokyo to NYC...to kayak across the Pacific... :D One of my favorites, from way, way back in the mainframe days, involved the FORTRAN compiler provided ...
by oldcomputerguy
Sat Sep 22, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Fidelity cobrowser??
Replies: 34
Views: 2411

Re: Fidelity cobrowser??

Someone on reddit, one year ago: Is Charles Schwab safe ... EDIT: A popup just popped up saying "Show your browser", then asking me to accept of decline the Terms of Service. I viewed the Terms of Service and it said.. https://www.reddit.com/r/personalfinance/comments/54urg1/is_charles_schwab_safe_...
by oldcomputerguy
Sat Sep 22, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Fidelity cobrowser??
Replies: 34
Views: 2411

Re: Fidelity cobrowser??

LadyGeek wrote:
Sat Sep 22, 2018 9:09 am
I can reproduce this in Chrome, but not Firefox. Shift-backspace is not in Chrome's keyboard shortcuts.
That's interesting. In fact I can reproduce this in Firefox 62.0 on my Linux Mint machine.
by oldcomputerguy
Sat Sep 22, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Fidelity cobrowser??
Replies: 34
Views: 2411

Re: Fidelity cobrowser??

Bull pucky, if it was trying to do that it was a virus or some other attempt to hack you system. First thing to do is to scan your system for viruses. Love to. Just as soon as someone points me to an AV scanner for a Linux system. https://www.clamav.net I will definitely check this out. Thanks.
by oldcomputerguy
Sat Sep 22, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Fidelity cobrowser??
Replies: 34
Views: 2411

Re: Fidelity cobrowser??

Watty wrote:
Sat Sep 22, 2018 7:32 am
Bull pucky, if it was trying to do that it was a virus or some other attempt to hack you system.

First thing to do is to scan your system for viruses.
Love to. Just as soon as someone points me to an AV scanner for a Linux system.
by oldcomputerguy
Sat Sep 22, 2018 6:59 am
Forum: Personal Consumer Issues
Topic: Fidelity cobrowser??
Replies: 34
Views: 2411

Fidelity cobrowser??

I was looking at fidelity.com just now, researching fund information, when all of a sudden I saw a pop-up on my browser, that said: Show your browser? Please read and accept the terms and conditions before continuing. with "Allow" and "Deny" buttons, and a "View Terms" link. The pop-up was otherwise...
by oldcomputerguy
Sat Sep 22, 2018 6:25 am
Forum: Investing - Theory, News & General
Topic: Zero-ER Fidelity Funds [Closed to new investors?]
Replies: 38
Views: 2715

Re: Fidelity zero ER funds closed?

Typically, when a Fidelity fund is closed to new investors, the web site explicitly indicates such (for example, FCPGX Small Cap Growth Fund). This is indicated pretty obviously by the "Closed to new investors" in red letters right under the fund name. Neither FZILX nor FZROX shows this indication. ...
by oldcomputerguy
Fri Sep 21, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Recommend a To-do app please.
Replies: 26
Views: 1814

Re: Recommend a To-do app please.

Don't know if it'll meet your needs, but Google Calendar has a pane that tracks tasks (and sub-tasks).
by oldcomputerguy
Fri Sep 21, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Switching Vxus (tot int vanguard) to ftipx (Fid tot int)
Replies: 9
Views: 474

Re: Switching Vxus (tot int vanguard) to ftipx (Fid tot int)

Why FTIPX over FZILX ? 0.06% ER vs 0.00% ... Not to speak for the OP, but one reason might be that FTIPX has small-caps, whereas FZILX does not (the Prospectus for FZILX states that it invests "least 80% of assets in securities included in the Fidelity Global ex U.S. Index℠ and in depository receip...
by oldcomputerguy
Thu Sep 20, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)
Replies: 36
Views: 2440

Re: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)

I never have participated in Black Friday sales. I never shall. It would suit me just fine if stores opened at their regular hours on the day after Thanksgiving. I’m sure the retail employees who have to staff the stores at one minute past midnight (or, in many cases, on Thanksgiving night) would no...
by oldcomputerguy
Thu Sep 20, 2018 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Traveling overseas .. credit cards? cash exchange?
Replies: 43
Views: 2569

Re: Traveling overseas .. credit cards? cash exchange?

Live and learn and when you get back get a card with no fees for your next trip even if you don't think you will be taking one anytime soon. In fact I would suggest that the OP get two such cards. The last thing you want to have happen is to be in a foreign country and find out that the one card yo...
by oldcomputerguy
Thu Sep 20, 2018 4:51 am
Forum: Personal Consumer Issues
Topic: Should I bother meeting with a Chase Private Client Rep
Replies: 44
Views: 3414

Re: Should I bother meeting with a Chase Private Client Rep

I use a Chase bare bones account for everyday transactions and the convenience of a mega bank, but after moving some money through the bank for the down-payment on a house, I got a bunch of calls from this Chase Private Client person. I decided to go ahead and meet with them, but now I'm thinking i...
by oldcomputerguy
Tue Sep 18, 2018 9:50 pm
Forum: Investing - Theory, News & General
Topic: Stock market scenarios
Replies: 12
Views: 902

Re: Stock market scenarios

My IPS says that I will rebalance back to my asset allocation, so all of your scenarios are identical as far as I am concerned. This. I'm 50/50 stocks/bonds, rebalancing (if needed) twice a year. It doesn't matter which of your three scenarios (or which scenario other than the three you list) happe...
by oldcomputerguy
Tue Sep 18, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 50
Views: 3373

Re: Where do you buy CPAP replacement parts?

My wife has used CPAP machines for many years - on her 3rd or 4th one now - they wear out after a few years. She is now on Medicare, so she has to go through a "process" with our health plan/insurer to get the supplies and/or replacement machine. Her current one (several months) transmits the stati...
by oldcomputerguy
Tue Sep 18, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with "American Financial Education Alliance?
Replies: 7
Views: 6104

Re: Anyone familiar with "American Financial Education Alliance?

Sorry to resurrect an old thread here, but I wanted to follow up. I just attended an AFEA presentation this morning on Social Security, and when to start taking it. There was no attempt to sell anything. The presentation, however, was completely lacking on cohesion, was confusing, and in some cases ...
by oldcomputerguy
Tue Sep 18, 2018 8:21 am
Forum: Investing - Theory, News & General
Topic: Equity in house / Do you use it?
Replies: 56
Views: 3329

Re: Equity in house / Do you use it?

Never touch it. We may need it someday, maybe to get into assisted living. But not now. Fortunately my DH agrees on this policy. +1. Our house is paid off, and is our home. I do not (at least at this point) consider our home equity as a portion of my portfolio, as I have no intention of selling unl...
by oldcomputerguy
Tue Sep 18, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2185

Re: $180 IPhone SE or $90 Iphone 5S

Kevin8696 wrote:
Mon Sep 17, 2018 2:10 pm
Who's selling the SE for $180 ?
I bought mine over the counter at Target.
by oldcomputerguy
Mon Sep 17, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Travel- overwater bungalows
Replies: 16
Views: 2319

Re: Travel- overwater bungalows

Now Sandals resorts has a few options in the Caribbean. I realize not same as Bora Bora but definitely easier to get to as I live in MD and likely a bit cheaper. We were in Sandals South Coast in Jamaica last December, I saw the OWB's there, wasn't impressed enough to feel they were worth the (um, ...
by oldcomputerguy
Sun Sep 16, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 115
Views: 8971

Re: Delaying Social Security Until 70

2. Some do the math and (with justification) conclude earlier is better I believe that we are going to be in this category. We'll be bridging the gap between punching out and filing for SS by drawing on our 401k / tIRA accounts, and my math seems to indicate that there is a "sweet spot" between spe...
by oldcomputerguy
Sun Sep 16, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: delaying claiming SS from age 64 to 70 while not working
Replies: 21
Views: 1527

Re: delaying claiming SS from age 64 to 70 while not working

My question is, will the 8% annual benefit to delaying build upon my PIA (age 66), for a total of 32% above PIA, or 32% above my age 64 number. It seems to me that there should be some reward to delaying for 6 years rather than 4. In a manner of speaking, there is. If you claim at age 64 (two years...
by oldcomputerguy
Sun Sep 16, 2018 6:47 am
Forum: Investing - Help with Personal Investments
Topic: Opinions on American Funds
Replies: 28
Views: 1871

Re: Opinions on American Funds

They don't advertise? Really? They have a 12b-1 fee which is for marketing, which if it's not advertising, what is it? Well, if I were the cynic that my wife occasionally claims that I am (and I likely am, come to think of it), I'd say that the 12b-1 fees were a legalized kickback to the advisor in...
by oldcomputerguy
Sun Sep 16, 2018 6:39 am
Forum: Investing - Help with Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5397

Re: Employer won't Match 401k. Why?

How does it cost the company any money to subtract 18K from my salary and match 18K in my retirement fund? Obviously it costs the company nothing (aside from any overhead expense of the plan itself) to withhold 18k from your pay and move it into your 401k account. Just as obviously, though, if the ...
by oldcomputerguy
Sun Sep 16, 2018 6:24 am
Forum: Investing - Help with Personal Investments
Topic: Opinions on American Funds
Replies: 28
Views: 1871

Re: Opinions on American Funds

She recommends American Funds for the fact that they have low expense ratios and fees similar to index funds , but are actively managed. According to the advisor AF keeps fees low by not advertising like other brokerage firms. I remain skeptical. Their C shares have expense ratios hovering around 1...
by oldcomputerguy
Sat Sep 15, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Daughter's 401k w/Edward Jones
Replies: 3
Views: 583

Re: Daughter's 401k w/Edward Jones

401k plans typically have only a few selected investment options. Could you perhaps find out what those are in her plan, and post them here (with expense ratios)? We might be able to give a better answer.
by oldcomputerguy
Sat Sep 15, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 175
Views: 9300

Re: How real is cyber risk?

Vulcan wrote:
Fri Sep 14, 2018 4:05 pm
For GMail you would use Authenticator app for 2FA.
Nothing gets sent anywhere.
Google Mail can also be secured with a Yubikey. I have Yubikey as primary 2FA on my Gmail with Authenticator as secondary.
by oldcomputerguy
Sat Sep 15, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Developer Laptop
Replies: 26
Views: 1691

Re: Developer Laptop

While I certainly can learn how to expand the hardware, do you have a good starting point on specs to where that initially doesn't need to be considered. Don't scrimp on RAM. Get as much as you can afford, preferably max out whatever your chosen machine will hold. Also, an SSD for the OS will speed...
by oldcomputerguy
Fri Sep 14, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Can only take (1) DSLR lens..which one?
Replies: 27
Views: 687

Re: Can only take (1) DSLR lens..which one?

My EOS just has the lens that came with the kit (18-135mm zoom, f/3.5-5.6). It's a good all-purpose lens, but I confess there have been times I wished for an f/1.2 stop just to be able to smash down depth of field. I'd say you'll probably be fine with the zoom.
by oldcomputerguy
Fri Sep 14, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: How to help teenager fix silly mistakes in math?
Replies: 50
Views: 3197

Re: How to help teenager fix silly mistakes in math?

I have a nephew who in his middle and high school days had constant struggles with, shall we say, less-than-pleasing grades. He is intelligent and has a quick mind, but couldn't do the work. They finally had him tested, turned out he was dyslexic. Once the condition was diagnosed, he, his parents, a...
by oldcomputerguy
Thu Sep 13, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Windows 10
Replies: 9
Views: 576

Re: Windows 10

MidwestMike wrote:
Thu Sep 13, 2018 5:26 pm
It seems as if every few days there is a new upgrade. I’m getting tired of it. Get it right Microsoft.
Welcome to Windows.
by oldcomputerguy
Thu Sep 13, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity bonds FTBFX v/s FSITX
Replies: 3
Views: 311

Re: Fidelity bonds FTBFX v/s FSITX

Hello, I need to do my Bond allocation in my 401k. I have fidelity and use the brokerage link. That means I have access to some bond indexes that are better options than the ones my employer provides. More specifically, if I buy Fidelity indexes there's no additional fees. I've been looking at thes...
by oldcomputerguy
Thu Sep 13, 2018 6:18 am
Forum: Investing - Help with Personal Investments
Topic: Hypothetical Question - Market Timing
Replies: 43
Views: 2418

Re: Hypothetical Question - Market Timing

This is strictly a hypothetical situation for educational purposes only. I know that market timing is not a great strategy. And yet, the rest of your post makes it pretty obvious that this is exactly what you're contemplating. I ask because I'm sitting on 15,000 right now trying to decide what to d...
by oldcomputerguy
Wed Sep 12, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 192
Views: 11944

Re: iPhone XS Max

kjvmartin wrote:
Wed Sep 12, 2018 1:50 pm
$1100 for the cheapest iPhone Xs Max at 64 gigabytes of storage.
No. Just, no. There is no conceivable feature Apple could add on top of the basic required functionality that would justify this price.

I'll keep my $200 32Gb iPhone SE. It still works just fine.
by oldcomputerguy
Tue Sep 11, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: Toilet Makes A Flushing Sound Occasionally
Replies: 37
Views: 2825

Re: Toilet Makes A Flushing Sound Occasionally

carolc wrote:
Tue Sep 11, 2018 6:32 am
The toilets (3 of them) at my previous house made that sound.I never did anything about it.
OP probably will want to correct the issue, though. Apart from possibly being irritated at the sound, this is a sign of a water leak internal to the toilet, which will run up the water bill eventually.
by oldcomputerguy
Sun Sep 09, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 51
Views: 7042

Re: Fidelity Rewards Visa Card

How are any of the 2% cards betwee than the c ard I linked which is 3% the first year and 2.5% for each subsequent year, with no foreign fees.... $59 per year annual fee. To break even versus a no-annual-fee card (such as the Fidelity card) that pays 2% cash back would require an additional spend o...
by oldcomputerguy
Sun Sep 09, 2018 6:14 am
Forum: Investing - Theory, News & General
Topic: Just invested 10k into Space X (Well sorta..)
Replies: 22
Views: 2745

Re: Just invested 10k into Space X (Well sorta..)

Keepcalm wrote:
Fri Sep 07, 2018 1:57 pm
As an experiment...

Google owns a chunk of Space X...

Only way to currently have a stake with them indirectly.

Opinions?
Let us know in twenty or thirty years how it did for you. I'll just stick with my total market funds. I'm not that motivated to branch out.
by oldcomputerguy
Sat Sep 08, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Good photo book printer for image quality
Replies: 24
Views: 1515

Re: Good photo book printer for image quality

DW just put together a Shutterfly book for the pics from our 40th anniversary beach trip, it's IMHO pretty good.