Search found 3268 matches

by oldcomputerguy
Tue Oct 16, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 19
Views: 1472

Re: Jury duty - already booked vacation

Hello, I have been called for the jury duty in the week where I have already booked my vacation. What are my next steps? Should I call them and let them know and I can come before or after that week? Or what would their answer be? Can anyone who have similar experience share the details? Thanks, JR...
by oldcomputerguy
Tue Oct 16, 2018 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Job Offer – bonus details provided after acceptance
Replies: 26
Views: 1468

Re: Job Offer – bonus details provided after acceptance

Prospective employer sketchy on details for how this significant bonus is determined and offer letter says details will be provided upon accepting the offer. Given that there is no other significant improvement in your situation from the move, if it were me I would decline. The fact that they're ho...
by oldcomputerguy
Mon Oct 15, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: White LED Christmas Lights
Replies: 7
Views: 762

Re: White LED Christmas Lights

Why am I hearing Trans-Siberian Orchestra warming up in the wings?
:wink:
by oldcomputerguy
Mon Oct 15, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: Should I sell Microsoft Bond
Replies: 19
Views: 1236

Re: Should I sell Microsoft Bond

I have a Microsoft Bond,50,000 dollars yielding 3.15 that matures in 7 years.I t looks like if I sell it I will get back 49,000.If I sell I will buy a 2 year cd yielding almost the same.I have owned the bond for 3 years.Thoughts? The interest rate of the current bond shouldn't change just because p...
by oldcomputerguy
Mon Oct 15, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: Should I sell Microsoft Bond
Replies: 19
Views: 1236

Re: Should I sell Microsoft Bond

(deleted, see replacement post below)
by oldcomputerguy
Mon Oct 15, 2018 6:18 am
Forum: Investing - Help with Personal Investments
Topic: Feedback on Kai-Zen premium finance life insurance plan
Replies: 11
Views: 827

Re: Feedback on Kai-Zen premium finance life insurance plan

This concept is not much different than financing a house – you use a mortgage to leverage the assets you have on hand to buy more house than you could afford on your own. Money is borrowed to buy more house, or with Kai-Zen, more benefits. With Kai-Zen, you are buying a life insurance policy with ...
by oldcomputerguy
Sat Oct 13, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity "FidSafe" Free online storage of documents - is this safe?
Replies: 26
Views: 6434

Re: Fidelity "FidSafe" Free online storage of documents - is this safe?

I'm not really convinced of the value of such a thing. In my case, I have printed instructions for my wife (or my executor, if it comes to that) referring to a USB memory stick in my safe with all that type information stored on it. What benefit does FidSafe provide that my USB stick in my safe doe...
by oldcomputerguy
Sat Oct 13, 2018 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Any Fidelity Puritan Fund (FPURX) investors?
Replies: 11
Views: 422

Re: Any FPURX investors?

Maybe distribution related? Fidelity shows that FPURX issued a dividend of $0.099 per share yesterday, and a capital gain distribution of $1.473 per share the day before. Taking those two distributions together, they total $1.572 per share, which at a NAV of $22.43 is a distribution of over 7%.
by oldcomputerguy
Sat Oct 13, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k and Hello
Replies: 20
Views: 992

Re: Fidelity 401k and Hello

Thank you all very much! I am checking on Brokerage Link but feel confident now with the funds you recommended. :sharebeer I had my 401k with Fidelity prior to retirement. The company offered BrokerageLink to us in 2016, and I used it to access the new Fidelity Total International Fund, because I d...
by oldcomputerguy
Sat Oct 13, 2018 5:30 am
Forum: Personal Consumer Issues
Topic: Census [Received form in mail]
Replies: 21
Views: 1699

Re: Census

I got a form in the mail last week that looks like it is from the federal govt. It asks me to log onto a website and provide detailed census data and my social security number and other details. It says response is required by law. I got a follow up form today asking again for the data. If it persi...
by oldcomputerguy
Fri Oct 12, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k and Hello
Replies: 20
Views: 992

Re: Fidelity 401k and Hello

There are some very good options here for a three-fund portfolio. I'd choose the Vanguard Institutional Index fund (which is an S&P500 index fund) for domestic stock, the Vanguard Total International Stock fund for my international allocation (assuming one was desired) and the Vanguard Total Bond fu...
by oldcomputerguy
Fri Oct 12, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer the best index products for a passive investor compared to Vanguard
Replies: 56
Views: 4726

Re: Does Fidelity offer the best index products for a passive investor compared to Vanguard

The past history of Fido index funds indicates that Fido's funds are not as tax efficient as VG's funds probably due to more active traders on Fido site. From what I've read, I think this also stems at least in part from the fact that Vanguard's mutual funds and their ETFs are simply different shar...
by oldcomputerguy
Fri Oct 12, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer the best index products for a passive investor compared to Vanguard
Replies: 56
Views: 4726

Re: Does Fidelity offer the best index products for a passive investor compared to Vanguard

3. Vanguard uses CRSP indexes and Fidelity uses Russell Indexes for some funds (not sure what all but Large Value is one) Fidelity also uses a Russell index for their Large Growth index fund, as well as their Mid Cap and Small Cap index funds. Their Total Market fund uses a Dow Jones US Market inde...
by oldcomputerguy
Fri Oct 12, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Best Roth Provider For Low $s
Replies: 8
Views: 383

Re: Best Roth Provider For Low $s

SpaceMonkey wrote:
Fri Oct 12, 2018 12:56 pm
Fidelity.
+1. Many (most?) of Fidelity's index funds now have zero minimum investment, and there is no fee simply for opening a Roth account.
by oldcomputerguy
Fri Oct 12, 2018 11:35 am
Forum: Investing - Theory, News & General
Topic: Morse Code Glide Path
Replies: 32
Views: 1691

Re: Morse Code Glide Path

cheese_breath wrote:
Fri Oct 12, 2018 11:09 am
oldcomputerguy wrote:
Fri Oct 12, 2018 11:06 am
cheese_breath wrote:
Fri Oct 12, 2018 9:30 am
When I saw Morse Code I was expecting dots and dashes. :D
You mean dits and dahs?
:wink:
OK for sound. But the forum doesn't have sound features, ergo dots and dashes here. :D
Point taken. :beer
by oldcomputerguy
Fri Oct 12, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: Morse Code Glide Path
Replies: 32
Views: 1691

Re: Morse Code Glide Path

cheese_breath wrote:
Fri Oct 12, 2018 9:30 am
When I saw Morse Code I was expecting dots and dashes. :D
You mean dits and dahs?
:wink:
by oldcomputerguy
Thu Oct 11, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3086

Re: Budget Coffee

dm200 wrote:
Thu Oct 11, 2018 5:28 pm
as long as it is wet and has caffeine - I am very happy.
For what it is worth, DW just seconded this opinion.
:D
by oldcomputerguy
Thu Oct 11, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3086

Re: Budget Coffee

I tend to like light roasts and spend ~$16 / lb whole beans but got some New England Coffee the other day at about $6 / lb and didn't think it was all that bad. I'll probably stick with the local higher end stuff but am curious to try more of the cheap stuff. What do you all like for coffee say und...
by oldcomputerguy
Thu Oct 11, 2018 2:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7359
Views: 1545031

Re: U.S. stocks in freefall

Esq123 wrote:
Thu Oct 11, 2018 1:22 pm
As long as Trump remains president we will be winning.
On the off chance that this post was not intended to be tongue-in-cheek, I would point out that discussion of politics is prohibited here.
by oldcomputerguy
Thu Oct 11, 2018 12:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7359
Views: 1545031

Re: U.S. stocks in freefall

tony_roach wrote:
Wed Oct 10, 2018 7:23 pm
OP if it makes you feel better my overall portfolio went down 20K today and I still purchased in my taxable account.
You know, it just occurred to me, I have absolutely no idea how much my portfolio went down yesterday.
by oldcomputerguy
Wed Oct 10, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 108
Views: 7433

Re: What did you buy today

Groceries.
by oldcomputerguy
Wed Oct 10, 2018 4:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7359
Views: 1545031

Re: Stocks tumbling?

It's clearly because of a disturbance of the variable reluctance in the recent turbo encabulator. Which causes a need to maintain a vorden hold until one receives photomagnus clearance from Melnix. :twisted: :D See: "Turbo Encabulator" the Original - YouTube Spoiler alert: For those who need an exp...
by oldcomputerguy
Wed Oct 10, 2018 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: When stocks and bonds drop at the same time, what do you do?
Replies: 40
Views: 4349

Re: When stock and bod drop at the same time, what do you do?

Big picture: If it's been a year since I rebalanced, I look at my IPS, note the asset allocation, look at where things are now, and do whatever it takes to bring my AA back to spec. If it's been less, I do nothing. Subtext: If I notice that something is more than 5% out of desired allocation percent...
by oldcomputerguy
Wed Oct 10, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7359
Views: 1545031

Re: Stocks tumbling?

Jack FFR1846 wrote:
Wed Oct 10, 2018 9:58 am
It's clearly because of a disturbance of the variable reluctance in the recent turbo encabulator.
Which causes a need to maintain a vorden hold until one receives photomagnus clearance from Melnix.
:twisted:
by oldcomputerguy
Wed Oct 10, 2018 7:14 am
Forum: Forum Issues and Administration
Topic: My threads or posts.
Replies: 6
Views: 613

Re: My threads or posts.

Click the menu icon at top of page (3 horizontal lines) and click the link that says "your posts". When I do this, I get a list of the threads I've posted in. OP, if you just want a list of your own posts, it's available as well. In the upper-right-hand corner, click on your username, then in the d...
by oldcomputerguy
Tue Oct 09, 2018 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: FKINX-A?
Replies: 2
Views: 185

Re: FKINX-A?

Fidelity lists it but they show it as closed to new investors, so likely you can’t buy it anywhere.
by oldcomputerguy
Tue Oct 09, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for TBM at Fidelity
Replies: 6
Views: 422

Re: Looking for TBM at Fidelity

Thanks for your help. I am actually seeing ERs of .15% for FBIDX and .05% for FSITX. Is it possible the ERs have come down very recently and I am just seeing old info? Appreciate your help. I don’t know where you’re seeing that information, but wherever it is, it’s not current. The Fidelity web sit...
by oldcomputerguy
Mon Oct 08, 2018 5:15 pm
Forum: Investing - Theory, News & General
Topic: Market decline in 2019 ?
Replies: 73
Views: 6419

Re: Market decline in 2019 ?

Most people believe we are in a bubble and will see a big market decline (anywhere from 20-50%) soon. A lot of "experts" believe this could be in 2019. Most people on this forum probably also believe a significant market decline will probably come eventually. The Bogleheads philosophy is "stay the ...
by oldcomputerguy
Mon Oct 08, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: "Experian Flaw Just Revealed PINs Protecting Credit Data"; What to do?
Replies: 42
Views: 4356

Re: "Experian Flaw Just Revealed PINs Protecting Credit Data"; What to do?

Yes. So people who had frozen their credit could have had their credit unfrozen so that new accounts could be opened in their name. However, I thought that they emailed you immediately (i.e. before hackers could change the email address on record) when you had your credit unfrozen. That was not my ...
by oldcomputerguy
Mon Oct 08, 2018 9:07 am
Forum: Investing - Theory, News & General
Topic: Biggest bubble in the history of mankind(?) Is it time to sell?
Replies: 40
Views: 3783

Re: Biggest bubble in the history of mankind(?) Is it time to sell?

Ron Paul is calling this the Biggest bubble in the history of mankind and is forecasting a 50% drop in stocks: https://www.cnbc.com/2018/10/05/ron-paul-us-barreling-towards-a-recession-and-theres-no-escape.html Even Jack Bogle suggested to sell 5 or 10% of equities at the Bogleheads conference, and...
by oldcomputerguy
Sun Oct 07, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Active vs passive indexing
Replies: 14
Views: 1355

Re: Active vs passive indexing

US Stocks:
VPMAX (ER 0.32%) vs VITPX (ER 0.02%)
Can you even access VITPX? It is the Institutional Plus version of TSM, with a hefty $100 Million minimum investment. Or is this fund perhaps one of your 401K options?
by oldcomputerguy
Sun Oct 07, 2018 8:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7359
Views: 1545031

Re: U.S. stocks in freefall

oldzey wrote:
Fri Oct 05, 2018 3:48 pm
Looks like he decided to stick around and show off his cuteness.
If he starts dancing “Gangnam Style”, I’m going to cash.
:P
by oldcomputerguy
Sun Oct 07, 2018 8:14 am
Forum: Investing - Theory, News & General
Topic: "The Business Man and The Fisherman"
Replies: 9
Views: 2004

Re: "The Business Man and The Fisherman"

Great tale. The fisherman had what the business man would never ever have: “enough”.
by oldcomputerguy
Sat Oct 06, 2018 5:47 am
Forum: Investing - Theory, News & General
Topic: 2018 Bogleheads Conference Notes
Replies: 36
Views: 5010

Re: 2018 Bogleheads Conference Notes

This was my first (but hopefully not my last) Bogleheads Conference. Thanks to all the attendees (both veteran and first-timers like myself) for making it so enjoyable. I only wish it could have lasted longer.
by oldcomputerguy
Fri Oct 05, 2018 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Differences between Index Funds
Replies: 20
Views: 1907

Re: Differences between Index Funds

Hello, I'm new to investing. I opened an account with Charles-Schwab and started investing with them. Vanguard always seems to be the index funds people praise but I invested with Charles-Schwab index funds since they had no commission. Is there a major difference between the two that could make up...
by oldcomputerguy
Fri Oct 05, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Differences between Index Funds
Replies: 20
Views: 1907

Re: Differences between Index Funds

Hello, I'm new to investing. I opened an account with Charles-Schwab and started investing with them. Vanguard always seems to be the index funds people praise but I invested with Charles-Schwab index funds since they had no commission. Is there a major difference between the two that could make up...
by oldcomputerguy
Fri Oct 05, 2018 7:24 am
Forum: Investing - Theory, News & General
Topic: Key differences between investing philosophies: Swedroe vs. Bogle
Replies: 144
Views: 7580

Re: Key differences between investing philosophies: Swedroe vs. Bogle

Wow, some pretty deep thought out responses in this thread. Several way past me. My view is simple. Larry is trying to sell people something to make money, period. Jack hasn't had to sell anything in a long time, and simply preaches philosophy. I can't agree more. Bogle has never sold anything, eve...
by oldcomputerguy
Fri Oct 05, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: Simple, free way to send photos to people?
Replies: 15
Views: 990

Re: Simple, free way to send photos to people?

Here is what I do: Select a picture. Right click. Select send to. Select email. It shows up as an attachment in an email in my default email program. Then I can address that email to whomever I wish. This works unless the recipient’s email server has a restriction on message or attachment size. I’v...
by oldcomputerguy
Wed Oct 03, 2018 12:27 pm
Forum: Investing - Theory, News & General
Topic: Flattening yield curve
Replies: 55
Views: 4796

Re: FLATTENING YIELD CURVE

Kennyt7 wrote:
Wed Oct 03, 2018 11:47 am
Anyone feel this is leading to RECESSION?
Sooner or later.
by oldcomputerguy
Wed Oct 03, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Shows in Las Vegas for 6 and 8 year old
Replies: 23
Views: 1540

Re: Shows in Las Vegas for 6 and 8 year old

Not sure but will 6 and 8 year enjoy Blue Man Group show? If not, are there any shows which I should be looking at. These shows are 90 minutes so not sure if kids can sit to enjoy. From Have you ever seen Blue Man Group? Personally I found it kind of meh. It's performance art the kids may get bored...
by oldcomputerguy
Tue Oct 02, 2018 8:22 am
Forum: Investing - Theory, News & General
Topic: Why won't the US markets average 0-2% (or 10-20%) real returns for a few decades?
Replies: 20
Views: 2774

Re: Why won't the US markets average 0-2% (or 10-20%) real returns for a few decades?

My question is: Why won't US markets produce meaningfully higher or lower rates of return for longer periods of time in the future than we experienced in the past? It appears that you are asking for (a) a prediction of the future, (b) the cause of events which have not yet happened, or (c) a proof ...
by oldcomputerguy
Tue Oct 02, 2018 5:15 am
Forum: Investing - Theory, News & General
Topic: Should we stay in Crazytown because there's no where to run?
Replies: 129
Views: 14723

Re: Should we stay in Crazytown because there's no where to run?

U.S. stocks are nuts. Shiller CAPE now stands at 33.36 and the only time in history it was higher was Feb, 1998 to Mar 2001 which would have been a wild ride. If you had gotten out of stocks in Feb 1998 you could have stayed out for 12 years and gotten back in at the price you sold, meanwhile makin...
by oldcomputerguy
Mon Oct 01, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Airline shortened layover
Replies: 17
Views: 1337

Re: Airline shortened layover

Originally we had a three hour layover in Reykjavik. The airline just changed some flight times and now we have a 45 minute layover. Something very similar happened to me last year. I had booked a two-hour layover on re-entry to the U.S. to allow for running the gauntlet of Customs and Immigration;...
by oldcomputerguy
Sun Sep 30, 2018 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.
Replies: 87
Views: 8411

Re: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.

I see now that investing is a long, slow process. It’s strange to me though, these investment gurus are always saying how by investing you can make a milllion in a year if your good at it and “ have a god strategy”...are you sure that’s not kind of accurate? Would these be the same “investing gurus...
by oldcomputerguy
Sat Sep 29, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: Consumer reports email with pdf attached??
Replies: 8
Views: 947

Re: Consumer reports email with pdf attached??

Heh. First thing that went through my mind when I read this post was “wait, the November 2018 rating period hasn’t happened yet.” I guess I worked in television for too long... :twisted:
by oldcomputerguy
Sat Sep 29, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: New Laptop setup questions
Replies: 23
Views: 2045

Re: New Laptop setup questions

fortfun wrote:
Fri Sep 28, 2018 6:51 pm
Why not Chrome and Google Spreadsheets. Google Spreadsheets can do nearly everything that Excel can do, and even a few things it can't.
Or, if the OP didn’t want to use a cloud solution, they might try LibreOffice.
by oldcomputerguy
Fri Sep 28, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: Friend got back to me after my advice
Replies: 18
Views: 3843

Re: Friend got back to me after my advice

Sadly most people,know so little that when they have a 401k at work and you ask them where their money is invested, they state, "the 401k". They have no idea that that is just the vehicle for the money. Same with an IRA setup. They think that the IRA is the investment. So you can imagine how a FA c...
by oldcomputerguy
Fri Sep 28, 2018 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Are social security (and Medicare) taxes affected by the standard deduction
Replies: 26
Views: 2796

Re: Are social security (and Medicare) taxes affected by the standard deduction

Taxability of Social Security starts at 32K MFJ, is not indexed for CPI It's not quite as simple as that. How much of your Social Security benefit is taxable depends on your "combined income", which is a sum of your Adjusted Gross Income (AGI) plus non-taxable interest payments (i.e. muni bonds etc...
by oldcomputerguy
Thu Sep 27, 2018 8:24 am
Forum: Investing - Theory, News & General
Topic: Do MFs use an Ex-date?
Replies: 1
Views: 191

Re: Do MFs use an Ex-date?

Yes, they do, but in tax-deferred space it's irrelevant. The value of the fund drops by the value of the dividend (there's no change in net value of the fund share), so the only factor in play is the tax liability (none in tax-deferred).