Search found 2888 matches

by oldcomputerguy
Tue Jun 19, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 60
Views: 1905

Re: gray hair

Most of my hair is gone now, a victim of male pattern baldness. What little remains is dingy gray varying to white. I don't care. I have never considered dying my hair at any point. Nor have I ever considered any "remedy" for baldness. I earned my gray air / baldness; I'll wear it proudly. As Robert...
by oldcomputerguy
Tue Jun 19, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Marriott hotels using Alexa/Echo in guest rooms?
Replies: 18
Views: 1091

Re: Marriott hotels using Alexa/Echo in guest rooms?

I have a few Echo Dot devices around the home. These devices all have a button on top that will mute the microphone until manually un-muted via a second button push. Of course, this doesn't necessarily mean Big Brother can't still listen, but it does prevent Alexa from waking up, so it might be a fi...
by oldcomputerguy
Tue Jun 19, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Marriott hotels using Alexa/Echo in guest rooms?
Replies: 18
Views: 1091

Re: Marriott hotels using Alexa/Echo in guest rooms?

Jack FFR1846 wrote:
Tue Jun 19, 2018 7:36 am
cheese_breath wrote:
Tue Jun 19, 2018 7:22 am
There better be a way to turn those things off when you don't want them listening. :D :D :D :D :D
Into the microwave for 30 seconds. Yes, it works and yes, I've done this with electronic devices before.
If you could put it into the microwave, why not just unplug it?
by oldcomputerguy
Tue Jun 19, 2018 8:17 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6630
Views: 1431373

Re: Anyone buying today?

My normal plan per my IPS is to check twice a year (January and July) and rebalance if +/- 5%. Check back with me next month.
by oldcomputerguy
Mon Jun 18, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 34
Views: 1885

Re: "distilled" water for wife's CPAP machine

My wife uses a CPAP machine at night and the one she uses has a container for water. She buys "distilled" water. Before I suggest this to her - I wonder if the condensed water from a dehumidifier might be satisfactory as a "free" alternative? No. The reservoir chamber on the dehumidifier is not ste...
by oldcomputerguy
Mon Jun 18, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Idle debit/credit cards closed or downgraded?
Replies: 9
Views: 692

Re: Idle debit/credit cards closed or downgraded?

Thanks. The lower credit limit really won't impact our use of the card for travel, it just struck me as coincidental that these two happened fairly closely to each other, and I was curious.
by oldcomputerguy
Mon Jun 18, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: My first CP2000 letter from IRS! Am I missing something?
Replies: 23
Views: 3491

Re: My first CP2000 letter from IRS! Am I missing something?

Nice to hear a happy ending to an IRS story. Thanks for the follow-up.
:sharebeer
by oldcomputerguy
Mon Jun 18, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Idle debit/credit cards closed or downgraded?
Replies: 9
Views: 692

Idle debit/credit cards closed or downgraded?

I've had a couple of interesting communications lately that I wanted to share. These both regard cards that typically are not used except when travelling, otherwise they stay in the safe at home. We have a Fidelity Cash Management account, with my wife and I each having an associated debit/ATM card....
by oldcomputerguy
Mon Jun 18, 2018 9:25 am
Forum: Investing - Theory, News & General
Topic: I-bonds look pretty bad right now
Replies: 28
Views: 3518

Re: I-bonds look pretty bad right now

jeffreyscott, thanks for the explanation. What I wasn’t getting was that you were talkng about after-tax returns.
by oldcomputerguy
Mon Jun 18, 2018 7:46 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 92
Views: 7742

Re: Very confused with the current market

FOGU wrote:
Sun Jun 17, 2018 4:50 pm
Just downloaded the free Kindle version. I was looking for a new book. A new free book. Thank you for the citation.
Ditto.
by oldcomputerguy
Mon Jun 18, 2018 7:39 am
Forum: Investing - Theory, News & General
Topic: I-bonds look pretty bad right now
Replies: 28
Views: 3518

Re: I-bonds look pretty bad right now

Hello, Today I calculated how long I'd have to wait if I wanted to make a positive real return with I-bonds. The return rate for an I-bond is CPI plus a fixed rate, deferred until you cash the I-bond. Then you pay federal tax but not state and local taxes. You cannot hold an I-bond longer than 30 y...
by oldcomputerguy
Mon Jun 18, 2018 7:24 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 92
Views: 7742

Re: Very confused with the current market

1990-2000-2008 all most every ten years You're depending on a twenty-year time period to extrapolate a general law. Take a look at this graph from macrotrends.net. It shows the history of the S&P 500 back to 1927. It's pretty obvious that there is no ten-year cycle (or any other regular pattern) in...
by oldcomputerguy
Mon Jun 18, 2018 6:21 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 74
Views: 5149

Re: How much (green) cash at home for emergency ?

We have $1,000 in $20 bills sitting in our home safe, in case something goes badly wrong with the credit card network that impacts grocery stores. (It helps DW sleep at night. :wink: )
by oldcomputerguy
Mon Jun 18, 2018 6:14 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 92
Views: 7742

Re: Very confused with the current market

I remember Warren buffet once said: buy the dips and value investing. Here's what Warren Buffet tells individual investors : Buffett is a proponent of index funds as a way to boost long-term investments, such as retirement savings. "Consistently buy an S&P 500 low-cost index fund," he told CNBC's O...
by oldcomputerguy
Sun Jun 17, 2018 11:12 am
Forum: Investing - Theory, News & General
Topic: Why is risk adjusted return important?
Replies: 35
Views: 2458

Re: Why is risk adjusted return important?

You have, or should have, some idea of how much risk you are willing to take. There ought to be some limit. Risk should be factoring into your decision in some way. Surely, you would not invest in a stock market fund with a fluctuating return averaging 10%, if you could get riskless bank account th...
by oldcomputerguy
Sun Jun 17, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 127
Views: 5637

Re: Which Supermarket are you?

For years I've shopped at Food City (decent prices, close to home). Since retiring, I've joined a local YMCA / gym, and sometimes will stop on the way home from the gym at Publix. Frankly, Publix has much better quality produce than Food City's, and Publix carries a somewhat larger variety of non-be...
by oldcomputerguy
Sun Jun 17, 2018 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Tracking spending before retirement useful for estimating retirement expenses?
Replies: 64
Views: 3184

Re: Tracking spending before retirement useful for estimating retirement expenses?

I think of our pre-retirement expenses as a baseline for our retirement expenses (now semi-retired). Once you have the baseline, then you make adjustments based on how your life will change once you are retired. Exactly what I did. I built a spreadsheet with a tab for "current budget", then one tab...
by oldcomputerguy
Sat Jun 16, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Early termination of Cable + Internet
Replies: 10
Views: 1189

Re: Early termination of Cable + Internet

You can remove the TV portion of cable and just use the internet... Not always true. I used to subscribe to Adelphia cable internet years ago, and they were quite cool about selling me just internet service, However, when Adelphia went under and was bought by Comcast, that changed. I noticed one mo...
by oldcomputerguy
Sat Jun 16, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Investment book recommendations?
Replies: 12
Views: 967

Re: Investment book recommendations?

The Bogleheads Guide to Investing (the link takes you there via the Bogeheads "support this site" link)
by oldcomputerguy
Sat Jun 16, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: Cash question
Replies: 14
Views: 1240

Re: Cash question

Ally?
by oldcomputerguy
Sat Jun 16, 2018 7:49 am
Forum: Investing - Help with Personal Investments
Topic: I feel like selling my 3 fund
Replies: 55
Views: 6630

Re: I feel like selling my 3 fund

Definitely do not want to become the whipping post, I would feel every lash on that thread. Thank You for all the feedback, Im taking it all into consideration. I just wanted to diversify a bit but the 3 fund is really diversified enough isn't it. It really is. By holding VTSAX and VTIAX, you're in...
by oldcomputerguy
Fri Jun 15, 2018 5:00 pm
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.60%
Replies: 180
Views: 29213

Re: Ally online savings now at 1.65%

Just got an email, Ally savings accounts now at 1.65%
by oldcomputerguy
Fri Jun 15, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: ownership at Ally
Replies: 7
Views: 607

Re: ownership at Ally

Don't know about checking (don't have a checking account at Ally), but we are joint owners of our Ally savings account.
by oldcomputerguy
Fri Jun 15, 2018 2:05 pm
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 143
Views: 9647

Re: Which boglehead rule do you break--and are ok with

I confess that we are not completely innocent of transgression. 9 Invest with simplicity I'm afraid that our portfolio (taking my holdings and DW's together) is more complicated than I would prefer. While I am straight Boglehead, with Three-Fund in my IRA and VTSAX and VTIAX in taxable, DW has (IMHO...
by oldcomputerguy
Fri Jun 15, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Upping federal withholding allowances didn't work?
Replies: 15
Views: 1189

Re: Upping federal withholding allowances didn't work?

Using this as in the past as something akin to an estimate of taxes to be owed is going to cause people with lots of kids serious problems, unless changes to child tax credits somehow compensate for the loss of the personal exemption for dependent children. Absolutely this is something that warrant...
by oldcomputerguy
Fri Jun 15, 2018 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Company 401(k) Actually Better Than IRA? (Fidelity)
Replies: 6
Views: 445

Re: Company 401(k) Actually Better Than IRA? (Fidelity)

I'm fairly certain (was told in another thread recently) that you cannot roll a Roth IRA into a Roth 401K. https://www.irs.gov/retirement-plans/retirement-plans-faqs-regarding-iras-rollovers-and-roth-conversions seems to agree on that part. Agreed. This is further substantiated by this IRS chart . ...
by oldcomputerguy
Fri Jun 15, 2018 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Company 401(k) Actually Better Than IRA? (Fidelity)
Replies: 6
Views: 445

Re: Company 401(k) Actually Better Than IRA? (Fidelity)

Does the new employer's 401(k) include a Roth 401(k) option? If so, absolutely roll over to the employer's plan. You won't ever again find an S&P500 fund at 0.01%. That said, there's nothing wrong with rolling the Roth portion of your old 401(k) over to a Roth IRA if you want. The 0.035% ER of FSTVX...
by oldcomputerguy
Fri Jun 15, 2018 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Quick question about vangaurd settlement fund
Replies: 4
Views: 405

Re: Quick question about vangaurd settlement fund

Gains in the settlement account are reported on your year-end 1099-DIV as non-qualified dividends, which are taxed as regular income just like interest payments from a bank.
by oldcomputerguy
Fri Jun 15, 2018 5:27 am
Forum: Investing - Theory, News & General
Topic: Diversified portfolio but still too much Apple, Microsoft, etc.
Replies: 13
Views: 1421

Re: Diversified portfolio but still too much Apple, Microsoft, etc.

Oddball wrote:
Tue Jun 12, 2018 1:42 pm
So basically I am wondering if there are large cap funds which exclude say the top 10 or 20 holdings.
Why would you want to? Those larger holdings account for larger portions of the economy and of the total return of the market.
by oldcomputerguy
Thu Jun 14, 2018 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 11227

Re: Stay the course

Taylor Larimore wrote:
Sun Jun 10, 2018 9:23 pm
Bogleheads:

Each year I sell shares of my Total Bond Market Index Fund in my IRA to meet RMD (Required Minimum Distributions). I reinvest the proceeds in my taxable S&P 500 fund. That's my trading.
So, sir, you are actually increasing risk exposure with the passage of time?
by oldcomputerguy
Thu Jun 14, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Upping federal withholding allowances didn't work?
Replies: 15
Views: 1189

Re: Upping federal withholding allowances didn't work?

Under the new tax law, there are no longer any personal exemptions, just a larger standard deduction, so changing the number of dependents should have no effect on withholding. You can no longer claim a deduction for exemptions when filing. You can still enter a figure for withholding allowances on...
by oldcomputerguy
Thu Jun 14, 2018 5:28 am
Forum: Investing - Help with Personal Investments
Topic: Callable bond- maintain or take loss?
Replies: 32
Views: 1670

Re: Callable bond- maintain or take loss?

Re holding CDs to maturity: Am I looking at this right? in 6 years, at age 70 1/2 I see where one is required to start withdrawing from IRA. I found online calculator and entered estimate portfolio at $85,000 w/age at age 64 today. Said I would need to withdraw around $3,000 year. Is this estimate ...
by oldcomputerguy
Tue Jun 12, 2018 4:59 pm
Forum: Investing - Theory, News & General
Topic: Imagine a 10 year, 0%, noncallable loan
Replies: 49
Views: 2980

Re: Imagine a 10 year, 0%, noncallable loan

bgf wrote:
Tue Jun 12, 2018 1:46 pm
unfortunately, this is not a real loan that i have personally been offered. it is a thought experiment that i am having a difficult time working through.
Given that, is this thread even actionable?
by oldcomputerguy
Tue Jun 12, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Skilled trade career advice
Replies: 18
Views: 1437

Re: Skilled trade carrier adive

s/carrier/career/
by oldcomputerguy
Tue Jun 12, 2018 1:56 pm
Forum: Investing - Theory, News & General
Topic: Tilt tward small & mid capital for 1 to 2% more return
Replies: 13
Views: 968

Re: Tilt tward small & mid capital for 1 to 2% more return

If tilting guaranteed 1 to 2 percent more return per year, I might. But it's not guaranteed.
by oldcomputerguy
Tue Jun 12, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 15622

Re: Should I take possession of a certified mail?

Take it, open it, and read it. It's possible the handyman is suing you. If he is, and you ignore the suit, the court may enter default judgment against you.
by oldcomputerguy
Tue Jun 12, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: Imagine a 10 year, 0%, noncallable loan
Replies: 49
Views: 2980

Re: Imagine a 10 year, 0%, noncallable loan

I think that the OP is implying that the issuer of the loan will expect a lump sum payment up front rather than periodic interest payments, and the OP is asking how much upfront payment would seem reasonable.
by oldcomputerguy
Tue Jun 12, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Social Security distribution strategy
Replies: 9
Views: 1069

Re: Social Security distribution strategy

Do you have a spouse that has filed spousal benefits under your record? Yes, my wife plans on receiving spousal benefits. Is it possible to suspend just my benefits while my wife receives the spousal benefit, or do we have to suspend both within 12 months to be able to receive the future 8% annuall...
by oldcomputerguy
Mon Jun 11, 2018 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Left Advisory Portfolio to do it myself and fear I made mess of things
Replies: 35
Views: 2622

Re: Left Advisory Portfolio to do it myself and fear I made mess of things

Or you can buy the equivalent Vanguard fund (you don’t need to leave Fidelity to do so): https://investor.vanguard.com/mutual-funds/profile/VTTVX On the contrary, do NOT buy this fund at Fidelity. They will tack on a $75 purchase fee for buying a Vanguard mutual fund in a Fidelity account. I'd sugg...
by oldcomputerguy
Mon Jun 11, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Left Advisory Portfolio to do it myself and fear I made mess of things
Replies: 35
Views: 2622

Re: Left Advisory Portfolio to do it myself and fear I made mess of things

I agree with Jack. Seriously, this mess is easy to clean up. I'm going to assume that the 60% stock/40% bond allocation you mentioned is the one you want. I'm also assuming the individual account is meant as retirement savings. In both your IRA and your 401k get rid of your current holdings. In tho...
by oldcomputerguy
Mon Jun 11, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Left Advisory Portfolio to do it myself and fear I made mess of things
Replies: 35
Views: 2622

Re: Left Advisory Portfolio to do it myself and fear I made mess of things

Or you can buy the equivalent Vanguard fund (you don’t need to leave Fidelity to do so): https://investor.vanguard.com/mutual-funds/profile/VTTVX On the contrary, do NOT buy this fund at Fidelity. They will tack on a $75 purchase fee for buying a Vanguard mutual fund in a Fidelity account. I'd sugg...
by oldcomputerguy
Mon Jun 11, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Would you choose text or email for two-factor authentication?
Replies: 50
Views: 2788

Re: Would you choose text or email for two-factor authentication?

Neither. Texts and emails can be intercepted. Time-based 2FA is best because nothing is transmitted to you at the time of logon. The shared secret for time-based 2FA is transmitted only once over HTTPS (ensuring privacy and authenticity) when you are doing the initial setup. It certainly is best in...
by oldcomputerguy
Mon Jun 11, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Would you choose text or email for two-factor authentication?
Replies: 50
Views: 2788

Re: Would you choose text or email for two-factor authentication?

Email. I have a Gmail account used for nothing except financial data, and that account itself uses 2FA via Google Authenticator on my iPad. What are the benefits of having a Gmail account used exclusively for financial data? How is that more secure than using your primary Gmail account assuming it ...
by oldcomputerguy
Mon Jun 11, 2018 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Cash Balance Plan- Should I participate
Replies: 8
Views: 651

Re: Cash Balance Plan- Should I participate

Forgive my ignorance, but what is a “cash balance plan”? I’m not familiar with the term.
by oldcomputerguy
Mon Jun 11, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Would you choose text or email for two-factor authentication?
Replies: 50
Views: 2788

Re: Would you choose text or email for two-factor authentication?

Email. I have a Gmail account used for nothing except financial data, and that account itself uses 2FA via Google Authenticator on my iPad.
by oldcomputerguy
Mon Jun 11, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 179
Views: 15127

Re: Life in retirement - what did you do today?

Retired 17 months now. Today started with a doctor’s appointment at the sleep center, then two mile walk on the treadmill. Sitting at lunch now, then grocery shopping, followed by trying to get caught up on my home tasks (dishes, laundry, floors) with one arm. Cooking dinner will fall somewhere in t...
by oldcomputerguy
Mon Jun 11, 2018 6:15 am
Forum: Investing - Help with Personal Investments
Topic: Strategy for a prolonged bear market
Replies: 65
Views: 5245

Re: Strategy for a prolonged bear market

I'm retired, DW is still working for about another 1-1/2 years. My "plan B" is covered by my "Plan A": have enough in bonds to cover 2-3 years worth of non-SS/pension-covered expenses, and if necessary, tighten our belts.
by oldcomputerguy
Mon Jun 11, 2018 6:08 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage payment with interest free credit card
Replies: 10
Views: 823

Re: Mortgage payment with interest free credit card

First off, will your mortgage company allow payment by credit card? Chase Mortgage did not allow me to pay with a cc. And some credit card issuers won't allow it at all, even through a service such as Plastique.

This NerdWallet page might be helpful.
by oldcomputerguy
Mon Jun 11, 2018 5:58 am
Forum: Personal Finance (Not Investing)
Topic: How to Handle Medicare
Replies: 5
Views: 633

Re: How to Handle Medicare

Yes, her employer has several thousand workers. After she retires, it also has some sort of continuing coverage where it'll pitch in and pick up a certain percentage of her health insurance costs, if that makes any sense ... not sure how that might effect Medicare, either! The coverage she has now ...
by oldcomputerguy
Sun Jun 10, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Best banks for checking accounts?
Replies: 33
Views: 3211

Re: Best banks for checking accounts?

The ideal bank should have: — free checking — free ATM withdrawals — a local branch near where you live or work Everything else is just icing on the cake. You forgot 2FA. I've looked at most (if not all) of the B&M banks in my town, none of them offer 2FA on checking accounts. Until two-factor auth...