Search found 2762 matches

by oldcomputerguy
Sun May 20, 2018 6:14 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 61
Views: 3046

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: 2634

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: 29
Views: 2523

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: 26
Views: 2513

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: 26
Views: 2513

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: 2571

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: 1922

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: 1580

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: 8631

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: 1443

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: 542

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: 1243

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: 2882

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: 542

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: 4844

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: 2193

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: 6604

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: 7438

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: 7438

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: 6604

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: 3884

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: 9763

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: 2172

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: 8660

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: 75
Views: 3980

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: 8666

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: 8666

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: 8666

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: 2289

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: 815

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: 274

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: 2163

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: 1687

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: 1035

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.
by oldcomputerguy
Thu May 10, 2018 8:37 am
Forum: Investing - Theory, News & General
Topic: GINDX Index Plus Fund -- An Index Hedge Fund
Replies: 19
Views: 1420

Re: GINDX Index Plus Fund -- An Index Hedge Fund

Jags4186 wrote:
Thu May 10, 2018 6:48 am
ER shows 1.4% for me on investor class, GNNDX http://www.morningstar.com/funds/XNAS/GNNDX/quote.html
I got the figure I quoted from page 20 of the Prospectus. I guess it's not as straightforward as when looking at non-hedged funds?
by oldcomputerguy
Thu May 10, 2018 5:06 am
Forum: Investing - Theory, News & General
Topic: GINDX Index Plus Fund -- An Index Hedge Fund
Replies: 19
Views: 1420

Re: GINDX Index Plus Fund -- An Index Hedge Fund

confusedinvestor wrote:
Wed May 09, 2018 9:10 pm
Interesting...Thoughts ?
First thought is, it's a little inappropriate to compare the two funds' returns "since inception", since the Gotham fund has only existed since 2013.

Second thought: ER of 3.68% (Investor class), annual turnover 207% -- :o :shock: :oops:
by oldcomputerguy
Wed May 09, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5248

Re: What's the view on dogs running free?

Are there animal control laws where you live?
by oldcomputerguy
Wed May 09, 2018 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Question on safety of ETFs
Replies: 32
Views: 2006

Re: Question on safety of ETFs

Do most of you use ETFs? If so, what is your trust level? Not talking about exotic ones. Just bssic VTI or SHV or MINT. I don't, but I don't see anything wrong with using them if that is your preference. To me, ETFs are slightly more trouble to use (there's the bid-ask spread to worry about, plus y...
by oldcomputerguy
Wed May 09, 2018 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones to Index funds model
Replies: 18
Views: 1922

Re: Edward Jones to Index funds model

How much are you transferring? If it’s over $500k, you might want to think about splitting it between two houses (maybe half in Fidelity and half in Vanguard, or some such). SIPC insurance covers up to $500k per account.
by oldcomputerguy
Wed May 09, 2018 8:08 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2159
Views: 1330581

Re: The Three-Fund Portfolio

A440 wrote:
Sat Apr 28, 2018 3:02 pm
-Get a colonoscopy... :shock:
Oh, don't remind me ..................... :wink:
by oldcomputerguy
Wed May 09, 2018 8:04 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2159
Views: 1330581

Re: The Three-Fund Portfolio

I'm also not sold on VBTLX. It just doesn't perform as well as other fixed income funds, and and on top of that, is currently getting beat up. Certainly, if you feel you're better off investing in other bond funds, that's up to you. However, with respect, the use of the word "currently" would seem ...
by oldcomputerguy
Wed May 09, 2018 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Breaking Up and Staying On Good Terms with an Advisor
Replies: 17
Views: 1567

Re: Breaking Up and Staying On Good Terms with an Advisor

I'm getting closer to breaking up with my Ameriprise advisor. I want to stay on good terms with him, because he is my parents' advisor. I'm not involved in their finances and may never be. But it's possible. I think it's a good move for you to take your own accounts away from him. Just be aware tha...
by oldcomputerguy
Wed May 09, 2018 4:57 am
Forum: Personal Finance (Not Investing)
Topic: Experian will not lift security freeze with PIN
Replies: 11
Views: 1712

Re: Experian will not lift security freeze with PIN

Interesting. Must be something new, I last applied for a new credit card last year, and had no trouble getting a temporary lift on all three online.
by oldcomputerguy
Sun May 06, 2018 7:33 am
Forum: Investing - Theory, News & General
Topic: Too much overlap: VTSAX, VIMAX, VSMAX
Replies: 9
Views: 1110

Re: Too much overlap: VTSAX, VIMAX, VSMAX

Does anyone combine these three index mutual funds for their equity holdings? Or is there too much overlap? Any theories? VTSAX Vanguard Total Stock Index VIMAX Vanguard Mid-Cap Index Blend VSMAX Vanguard Small-Cap Index Blend No theory needed. Absolutely there is a ton of overlap. VTSAX, being a t...
by oldcomputerguy
Sun May 06, 2018 7:23 am
Forum: Investing - Help with Personal Investments
Topic: Why Shouldn't I Buy McDonalds Or Coke?
Replies: 66
Views: 8223

Re: Why Shouldn't I Buy McDonalds Or Coke?

As a young investor it just occurred to me that if I plan on holding my stocks for some time why shouldn't I invest my money in some stocks like Coca - Cola or McDonalds? Is this a no brainer? IS there any foreseeable downside to investing in these massive companies that are main stays in our world...
by oldcomputerguy
Sun May 06, 2018 7:20 am
Forum: Investing - Help with Personal Investments
Topic: Are bonds necessary/beneficial in my situation?
Replies: 21
Views: 2022

Re: Are bonds necessary/beneficial in my situation?

Tal- wrote:
Sun May 06, 2018 2:43 am
2: By my math, you don't need the higher returns that the more risky 100% allocation would give you.
This. Point #3 of the Bogleheads Philosophy says "Never bear too much or too little risk". In your case, a 100% allocation to stocks feels like too much risk.
by oldcomputerguy
Sun May 06, 2018 6:03 am
Forum: Personal Consumer Issues
Topic: AMC Movie Theaters -- typical OR not?
Replies: 61
Views: 4351

Re: AMC Movie Theaters -- typical OR not?

arcticpineapplecorp. wrote:
Sat May 05, 2018 8:04 pm
We have Regal where I am and your description matches exactly with their redesign which occurred just a couple years ago.
Regal here as well, overall experience is as OP described except no assigned seating.
by oldcomputerguy
Sat May 05, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16009

Re: most compelling TV character ever

John Spencer as The West Wing’s Leo McGarry