Search found 3086 matches

by oldcomputerguy
Tue Aug 14, 2018 8:21 am
Forum: Investing - Help with Personal Investments
Topic: More cash instead of bonds
Replies: 15
Views: 1492

Re: More cash instead of bonds

I don't. FSITX (Fidelity's total bond fund) is paying 2.7% right now, so I'm leaving it alone and letting it compound.
by oldcomputerguy
Tue Aug 14, 2018 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Asked my advisor about fees and here's their reply
Replies: 40
Views: 5027

Re: Asked my advisor about fees and here's their reply

They discuss the .35 expense ratio and trade price at length but never even mention why the AUM fee is so high. Indeed. If, as he claims, there is "not much trading going on", and you haven't received advice from him in a decade, I can't help but wonder what he's actually doing to earn his fee. Gra...
by oldcomputerguy
Tue Aug 14, 2018 7:58 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 211
Views: 11858

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

What happens if we look past a ten year window though? Such as here: https://www.bogleheads.org/forum/viewtopic.php?t=185433#p2813780 Indeed. For example, if we look past the previous ten years to the ten before that , we see that the two portfolios the OP describes perform very, very closely to ea...
by oldcomputerguy
Tue Aug 14, 2018 6:48 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 211
Views: 11858

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

It's weird how the US keeps outperforming even though valuations have been higher relative to international for years. Not to be snarky, I'm genuinely curious: given that outperformance in large part has been the result of increase in equity price, which in turn results in the alleged overvaluation...
by oldcomputerguy
Mon Aug 13, 2018 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX, rebalancing...market crash question
Replies: 14
Views: 1704

Re: VTSAX, rebalancing...market crash question

I've also been reading that we may be in the mother of all bubbles considering passive index investing is where so many people are doing their investing, also that in a downturned market active management may beat indexing. Just out of curiosity, where did you read this? By any chance might the per...
by oldcomputerguy
Mon Aug 13, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: SD Cards for Cameras: How many MB/S?
Replies: 8
Views: 455

Re: SD Cards for Cameras: How many MB/S?

If you shoot sports/action where you are shooting multiple frames per second you need as fast a card as you can get. Likewise, with one of the new dSLR cameras that shoot HD video in addition to stills; for those cameras the camera manual should address the minimum speed spec of the SD card. For ex...
by oldcomputerguy
Mon Aug 13, 2018 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Realized Gains or Not
Replies: 3
Views: 248

Re: Realized Gains or Not

Gain (or loss) in shares of a fund are unrealized until you sell them. Selling the shares realizes the gain (or loss) of those shares at the moment they are sold. It doesn’t matter whether the money from the sale stays in your settlement account or is transferred out.
by oldcomputerguy
Sun Aug 12, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Private Banking is a trap. Don't do it!
Replies: 55
Views: 6806

Re: Private Banking is a trap. Don't do it!

One of my favorite weapons is just to look them in the face and ask “what part of ‘no’ did you not understand?”
Rude? You bet. Do I care? Not in the slightest.
by oldcomputerguy
Sun Aug 12, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Why do two monitors with the same resolution display differently?
Replies: 10
Views: 692

Re: Why do two monitors with the same resolution display differently?

It’s not clear from your post, is the monitor connected as a second display to the laptop? If so, you’re presenting the laptop with two different display resolutions, which can cause some screwy things to happen.
by oldcomputerguy
Sun Aug 12, 2018 10:28 am
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 106
Views: 6339

Re: New Vanguard website layout

I'm wondering if that's why I've never been able to view search engine results, or anything that needs dynamic content update, from Linux Firefox. It works on Chrome, but not Firefox. The browser user agent is not Windows or Mac, hence they don't bother to test it. That's poor Quality Assurance on ...
by oldcomputerguy
Sun Aug 12, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 68
Views: 4029

Re: How often do you check your brokerage accounts

I download statements from my investment, banking and credit card companies once a month. I have my Fidelity accounts (IRAs) set up to send me alerts daily giving current balances, not in order to track the balances (I have no idea what the balances are doing from day to day) but just to make sure I...
by oldcomputerguy
Sun Aug 12, 2018 6:33 am
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 106
Views: 6339

Re: New Vanguard website layout

They seem to forget that many people like using PCs for financial access. I won't point any fingers at Vanguard for that, this seems to be the trend everywhere. For example, lately when I access Delta's web site with my desktop PC, I get the mobile site, which does not render properly on the PC des...
by oldcomputerguy
Sat Aug 11, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Worth seeing comedian live if already saw their Netflix special?
Replies: 9
Views: 844

Re: Worth seeing comedian live if already saw their Netflix special?

I’ve seen most (if not all) of Bill Engvall’s DVD releases, and have seen him in person twice. There was more than enough new material in the live shows to make them both worthwhile.
by oldcomputerguy
Thu Aug 09, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Device to listen to while exercising?
Replies: 23
Views: 1597

Re: Device to listen to while exercising?

I walk 2 miles each morning around the local track, I listen to files ripped onto my iPhone.i do not do it to raise my heart rate, it just helps pass the time. (I get bored easily, I suppose.)
by oldcomputerguy
Thu Aug 09, 2018 6:09 pm
Forum: Investing - Theory, News & General
Topic: Fidelity announced 10-for-1 fund splits in certain mutual funds
Replies: 18
Views: 3660

Re: Fidelity announced 10-for-1 fund splits in certain mutual funds

Ah, news I definitely don't need to worry about. I am sure that the only reason this drew any attention at all is because it is a "split," and stock splits are almost, but not entirely unlike news. Valid point. I didn’t post this thinking in particular that this was “news”. I posted it because I re...
by oldcomputerguy
Thu Aug 09, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Do Airlines measure checked baggages?
Replies: 33
Views: 2016

Re: Do Airlines measure checked baggages?

Thanks for sharing this. Speaking about the carry on, my carry on is within the limits (both size and weight), and in addition I will have a personal item (which they allow). The personal item will be a backpack to put a DSLR and a Laptop in it. Any idea if a backpack is OK as a personal item? They...
by oldcomputerguy
Wed Aug 08, 2018 7:16 pm
Forum: Investing - Theory, News & General
Topic: HELP!!!!! Need to find documentation of index superiority
Replies: 32
Views: 2622

Re: HELP!!!!! Need to find documentation of index superiority

Fast forward to a few weeks ago. Some close friends of mine have started to get the hard sell from a "financial professional" who is bad mouthing all we've done and trying to convince them to switch to him and let him manage their money. He is pitching that by "knowing the industry" and "feeling th...
by oldcomputerguy
Wed Aug 08, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Cell phone battery pack, cancer warning?
Replies: 15
Views: 848

Re: Cell phone battery pack, cancer warning?

Jack FFR1846 wrote:
Wed Aug 08, 2018 3:34 pm
Everything these days is so full of dihydrogen monoxide that it's tough to find anything free of the stuff.
:twisted:

(For those not in on the joke, dihydrogen monoxide is another chemical name for H2O, otherwise known as water.)
by oldcomputerguy
Wed Aug 08, 2018 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Suggestions
Replies: 11
Views: 474

Re: 401k Suggestions

Morningstar shows that this portfolio is basically an 80/20 stock-to-bond mix, with equity split approximately 60/40. That's not the worst mix in the world for a 31-year-old. I would suggest that you could do the same thing with a mix of the Vanguard S&P500 Admiral Shares, Vanguard Total Internation...
by oldcomputerguy
Tue Aug 07, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?
Replies: 45
Views: 1979

Re: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?

Current Offer: - 60,000 bonus miles after $3k spent in the first 3 months - 5,000 miles after adding an authorized user - 1 free checked bag each way for me and a guest - Priority boarding - 2 United Club passes - 2 miles for every $1 spent at United, restaurants, and hotel accomodations - 1 mile e...
by oldcomputerguy
Tue Aug 07, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Comfort level with Credit Card Balance
Replies: 86
Views: 5168

Re: Comfort level with Credit Card Balance

I had no idea and it begs the question - why not just use a debit card? If my credit card is compromised, I'm protected, don't have to pay fraudulent charges, the credit card company will issue me a new card with a new account number. If my debit card is compromised, the bad guys can clean out my c...
by oldcomputerguy
Tue Aug 07, 2018 9:58 am
Forum: Investing - Theory, News & General
Topic: Fidelity announced 10-for-1 fund splits in certain mutual funds
Replies: 18
Views: 3660

Fidelity announced 10-for-1 fund splits in certain mutual funds

Fidelity has announced a 10-for-1 split in several of their mutual funds, effective at close of market on August 10th. The funds affected are: Fidelity Contrafund® FCNTX Fidelity Contrafund® - Class K FCNKX Fidelity Growth Company Fund FDGRX Fidelity Growth Company Fund - Class K FGCKX Fidelity Mage...
by oldcomputerguy
Tue Aug 07, 2018 4:54 am
Forum: Personal Finance (Not Investing)
Topic: Career Transition after Military
Replies: 13
Views: 1059

Re: Career Transition after Military

Nobody has mentioned this and you probably already know, but just in case, you might contact ESGR and see if they can provide some assistance.
by oldcomputerguy
Tue Aug 07, 2018 4:44 am
Forum: Investing - Help with Personal Investments
Topic: Schwab - EARLY CRZ DIST 4L (Interest)
Replies: 2
Views: 432

Re: Schwab - EARLY CRZ DIST 4L (Interest)

For whatever help it may be, Google reports that CRZ was the trading symbol used by Crystal River Capital (a REIT), which did an IPO in 2007 but was acquired by Brookfield Asset Management in 2010. Perhaps this relates to a distribution (dividend) by that company.
by oldcomputerguy
Mon Aug 06, 2018 5:00 am
Forum: Personal Finance (Not Investing)
Topic: Comfort level with Credit Card Balance
Replies: 86
Views: 5168

Re: Comfort level with Credit Card Balance

Jelloanddon wrote:
Sun Aug 05, 2018 10:46 pm
I do the same. I use Mint and hate to see any balance. I usually pay any pending amounts before they hit.
In fact I would love to do that, but unfortunately my credit card company won't let me pay charges until they post.
by oldcomputerguy
Sun Aug 05, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 256
Views: 23481

Re: most compelling TV character ever

bowtie wrote:
Sun Aug 05, 2018 8:06 pm
:happy just learned Patrick Stewart's reprising his role as Picard for a new TV series ....a surprise appearance and announcement by him at the star trek Vegas convention this weekend appeared in the news ......
:x :x :annoyed :annoyed

AAAAUUGGGHH!!! Streaming only!
by oldcomputerguy
Sun Aug 05, 2018 8:03 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 52027

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Impressive to say the least, an ER of 0! But, the capital gains distribution for taxable acct. is undesirable in my opinion. Regardless, it will be a game changer when or if Vanguard's patent ends. I googled to find out what patents they have but it looked like they mostly patented online computer ...
by oldcomputerguy
Sun Aug 05, 2018 11:07 am
Forum: Investing - Theory, News & General
Topic: Bonds, CDs with Vanguard
Replies: 8
Views: 814

Re: Bonds, CDs with Vanguard

Not quite. Although Treasuries are considered to be very safe, they do not enjoy FDIC protection like CDs do. But that's not a big deal; Treasuries are backed by the "full faith and credit" of the United States, so loss of principal on Treasuries held to maturity is probably very unlikely. Actually...
by oldcomputerguy
Sat Aug 04, 2018 4:20 pm
Forum: Investing - Theory, News & General
Topic: How do you think about your mortgage in relation to your stock/bond portfolio?
Replies: 32
Views: 2388

Re: How do you think about your mortgage in relation to your stock/bond portfolio?

Sandtrap wrote:
Sat Aug 04, 2018 3:35 pm
I keep it simple. A mortgage, if I had one, is a liability.
J
+1. My mortgage, when I had one, was an expense, just like my utility bills or my car payment.
by oldcomputerguy
Fri Aug 03, 2018 4:23 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 52027

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Until Vanguard's patent(s) expire. When do they expire? According to uspto.gov, the patent in question (#6879964, "Investment company that issues a class of conventional shares and a class of exchange-traded shares in the same fund", assuming this is the relevant patent) was applied for on March 7,...
by oldcomputerguy
Fri Aug 03, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Digital Subscription Nightmare - PSA
Replies: 24
Views: 1375

Re: Digital Subscription Nightmare - PSA

JoeRetire wrote:
Fri Aug 03, 2018 3:57 pm
Far more likely is that someone initiated a subscription for WaPo through Amazon.
Of course.

:oops:

I'm an idiot.
by oldcomputerguy
Fri Aug 03, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: 3 Levels of Wealth
Replies: 125
Views: 11332

Re: 3 Levels of Wealth

Ok, but going back to the OP, can you easily afford to fly your family from the US to Singapore or Sydney once or twice a year in business/first class without giving it a second thought? I most certainly cannot. Because I am not Wealthy. I am merely well off... I am happily married to a wonderful w...
by oldcomputerguy
Fri Aug 03, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: Digital Subscription Nightmare - PSA
Replies: 24
Views: 1375

Re: Digital Subscription Nightmare - PSA

How did the Post start charging against Amazon accounts? Maybe because the same guy who owns Amazon owns the WaPo? That would be the first connection I'd suspect. Not saying the owner of the two is at fault, just suggesting perhaps some back-end systems in common. Let's not be silly here. There is ...
by oldcomputerguy
Fri Aug 03, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Comfort level with Credit Card Balance
Replies: 86
Views: 5168

Re: Comfort level with Credit Card Balance

khangaroo wrote:
Fri Aug 03, 2018 3:37 pm
Just wondering what's everyone's comfort level is with their credit card balance.
Zero comfort level. Any outstanding balance at all on any of my credit cards makes me itch. I check the card balances daily, and pay them off two to three times a week. Excessive, perhaps, but that's just me.
by oldcomputerguy
Fri Aug 03, 2018 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement plan Fido Brokeragelink and FZROX and FZILX
Replies: 3
Views: 418

Re: Retirement plan Fido Brokeragelink and FZROX and FZILX

Has anyone been able to use Fidelity brokeragelink from their work retirement accounts to purchase FZROX and FZILX? I wasnt able and havent had success getting an answer from customer support yet Brokeragelink is part of your retirement plan. According to Fidelity, "Shares of funds are generally av...
by oldcomputerguy
Fri Aug 03, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.80%]
Replies: 214
Views: 33985

Re: [Ally online savings now at 1.75%]

FWIW, just got an email from Ally, they bumped up to 1.8%.
by oldcomputerguy
Fri Aug 03, 2018 3:24 pm
Forum: Investing - Theory, News & General
Topic: Heading for a top?
Replies: 112
Views: 10067

Re: Heading for a top?

That's just one index. S&P is only about half of the weighted market cap of world securities. Add in international and developing markets, and it's a bear market. We aren't the only country in the world. Looking at VTWSX (Vanguard World Stock Index Fund) as a proxy, close on January 26 (high point ...
by oldcomputerguy
Fri Aug 03, 2018 2:35 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 52027

Re: Fidelity lowers Expenses on existing Funds

I can’t help but wonder if perhaps they’ll follow up by reducing the ER on their Freedom Index target-date funds. So far they’re still at 0.14% last time I looked.
by oldcomputerguy
Fri Aug 03, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: Bonds, CDs with Vanguard
Replies: 8
Views: 814

Re: Bonds, CDs with Vanguard

1. The Treasury is free from federal taxes A Treasury is not free from Federal taxes, it is Federally taxable. It is free from state and local taxes. Municipal bonds are free from Federal taxes. 2. Maybe if you expected rates to decline you'd want the longer term (not something I'd bet on but I've ...
by oldcomputerguy
Fri Aug 03, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: Heading for a top?
Replies: 112
Views: 10067

Re: Heading for a top?

Also, equities have been in somewhat of a bear market since February. Hardly. The lowest closing price for the S&P500 YTD was 2,581.00 on February 8th. Just prior to that, the highest closing price YTD for the index was 2,872.87 on January 26th. This represents a drop from high to low of 291.87, or...
by oldcomputerguy
Fri Aug 03, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Digital Subscription Nightmare - PSA
Replies: 24
Views: 1375

Re: Digital Subscription Nightmare - PSA

greg24 wrote:
Fri Aug 03, 2018 12:49 pm
How did the Post start charging against Amazon accounts?
Maybe because the same guy who owns Amazon owns the WaPo? That would be the first connection I'd suspect. Not saying the owner of the two is at fault, just suggesting perhaps some back-end systems in common.
by oldcomputerguy
Fri Aug 03, 2018 5:42 am
Forum: Investing - Help with Personal Investments
Topic: Time to invest in Fidelity's new zero fee funds?
Replies: 70
Views: 2675

Re: Time to invest in Fidelity's new zero fee funds?

My 401K is with Fidelity, currently invested in : FSTVX -- FIDELITY TOTAL MKT INDEX PREMIUM CL FTIPX -- FIDELITY TOTAL INTL INDEX FD PREMIUM CL (Some bonds as well) I'm also in these funds in my IRA. I'd suggest leaving it alone. If you check, you'll find that FSTVX now has an expense ratio of 0.01...
by oldcomputerguy
Wed Aug 01, 2018 6:43 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 52027

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I wish they had simply dropped the ER of their existing funds (FSTVX and FSIVX) to ZERO. The large capital gains I have will likely prevent me from taking advantage of the lower ERs on these new funds. Well, they didn’t drop them to zero, but looking just now at FSTVX, they did drop it to 0.015%, w...
by oldcomputerguy
Wed Aug 01, 2018 3:54 pm
Forum: Investing - Theory, News & General
Topic: Is it necessary to have multiple international funds?
Replies: 21
Views: 921

Re: Is it necessary to have multiple international funds?

JP Morgan Large Cap Growth A (OLGAX) This fund has a 0.94% ER, and Morningstar indicates that it has a 5.75% front-end load. I don't know your particular IRA's details; are you still subject to the front-end load in an IRA? What load (if any) are you paying on new purchases of this fund? This may b...
by oldcomputerguy
Tue Jul 31, 2018 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: 401k matching
Replies: 33
Views: 2240

Re: 401k matching

No, he is an air conditioning engineer. But made a lot of money so invests a lot. I kind of see what you are saying. But his point was just that. That the fees are generally very high. This is exactly my point. He is making an inaccurate generalization, namely that 401k’s in general are not worth i...
by oldcomputerguy
Tue Jul 31, 2018 2:34 pm
Forum: Investing - Theory, News & General
Topic: DOOM!!!!! Morgan Stanley warns
Replies: 41
Views: 4767

Re: DOOM!!!!! Morgan Stanley warns

Oh and these firms with their predictions...they all suck. Who can ever be wrong when you make hundreds of guesses and one happens to come true? Reminds me of one of my favorite scenes from "The West Wing". Leo McGarry: Luther, ballpark, one year from today, where's the Dow? Economist #1 : Tremendo...
by oldcomputerguy
Tue Jul 31, 2018 6:18 am
Forum: Investing - Help with Personal Investments
Topic: 401k matching
Replies: 33
Views: 2240

Re: 401k matching

Thank you for all the responses. But now I am even more confused. I was told by a professor that the fees in a 401k are so high you will have nothing when you retire. Your professor gave you very, very bad information. If by chance he/she is an economics professor, this demonstrates total incompete...
by oldcomputerguy
Mon Jul 30, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie enlightened by Bogleheads
Replies: 23
Views: 3093

Re: Newbie burned by bonds

I thought the economy and markets were doing well this year so I wasn't expecting these losses. Well, your Total Stock Market investment is up (if my math is right) 5.9% since December, so that's not that bad. Overall your numbers indicate that you're about even YTD. That's not bad given that you'r...
by oldcomputerguy
Sat Jul 28, 2018 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Full View transition to eMoney
Replies: 8
Views: 856

Re: Fidelity Full View transition to eMoney

The only problem I ever had with Fullview was that it could not connect to Elan Financial to pull in expenditures made on my Fidelity Rewards Visa, which always struck me as just a little bit ludicrous. Hopefully the replacement service will be better.
by oldcomputerguy
Fri Jul 27, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: iphone purchase
Replies: 19
Views: 2109

Re: iphone purchase

Be careful. There is no S for this year's iPhone line. There is an SE and it's a 6S CPU in 5S shell. The line up is SE, 8, 8+, & X. You don't want an SE. Why would one not want an SE? I have an SE through Consumer Cellular that I paid around $200 for outright at Target. It does everything I expect ...