Search found 2070 matches

by oldcomputerguy
Wed Nov 29, 2017 11:56 am
Forum: Investing - Theory, News & General
Topic: Fido broken?
Replies: 20
Views: 1155

Re: Fido broken?

CyclingDuo wrote:
Wed Nov 29, 2017 11:54 am
It's back up and working.
Nope. At least not for me. Both fidelity.com and netbenefits.com down.
by oldcomputerguy
Wed Nov 29, 2017 11:17 am
Forum: Investing - Theory, News & General
Topic: Fido broken?
Replies: 20
Views: 1155

Re: Fido broken?

HueyLD wrote:
Wed Nov 29, 2017 11:11 am
I logged in about an hour ago with no issues.

Can phone calls get through?
Just called the 800 number, the greeting message mentions that some people can't log in, so they're aware of the problem. Guess I should have tried that before coming here. Live and learn.
by oldcomputerguy
Wed Nov 29, 2017 11:13 am
Forum: Investing - Theory, News & General
Topic: Fido broken?
Replies: 20
Views: 1155

Re: Fido broken?

Chip wrote:
Wed Nov 29, 2017 11:09 am
Down for me, too. Same "technical error".
Thanks. I was afraid something had happened to my account. Ya can't be too careful these days...
by oldcomputerguy
Wed Nov 29, 2017 11:06 am
Forum: Investing - Theory, News & General
Topic: Fido broken?
Replies: 20
Views: 1155

Re: Fido broken?

Always passive wrote:
Wed Nov 29, 2017 11:05 am
Yes, check in the internet, you will get details
? :?
by oldcomputerguy
Wed Nov 29, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: Fido broken?
Replies: 20
Views: 1155

Fido broken?

Anybody besides me having problems logging into fidelity.com? I keep getting messages regarding technical error. Just wondering if it's specific to me, whether I'll need to phone Fido.
by oldcomputerguy
Wed Nov 29, 2017 6:08 am
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 64
Views: 14665

Re: Alternative to Google Finance?

Use the tools bar and look for instant X-ray on the drop down. You should not have to have a free trial for the instant x-ray. You just have to enter your tickers and add how many dollars on each fund. It will give you the complete x-ray after you enter the info. thank you! i was trying to do xray;...
by oldcomputerguy
Tue Nov 28, 2017 9:45 pm
Forum: Investing - Theory, News & General
Topic: What would trigger the NEXT market meltdown?
Replies: 19
Views: 1560

Re: What would trigger the NEXT market meltdown?

Crimsontide wrote:
Tue Nov 28, 2017 7:40 pm
Alabama loses to Auburn... wait, what? Never mind....
Tennessee goes a whole season without winning a single SEC game.

Uh oh ....
by oldcomputerguy
Tue Nov 28, 2017 7:01 pm
Forum: Investing - Theory, News & General
Topic: Charles Schwab Experiences?
Replies: 84
Views: 10607

Re: Charles Schwab Experiences?

Megacorp's plan, which is huge, doesn't either. Mostly their security is that you can't do electronic transfers out. Everything is done by checks sent to your address of record. With 401(k)s, perceived deficiencies in the features is not always due to the custodian. The plan itself will decide what...
by oldcomputerguy
Tue Nov 28, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: What Fidelity funds do you use in your 3 fund portfolio?
Replies: 17
Views: 2891

Re: What Fidelity funds do you use in your 3 fund portfolio?

I opened my account with Fidelity not long ago so I'm using FTIPX in my portfolio. I can't comment directly on why FTIPX is newly recommended over FSIVX, but I will mention FTIPX has a 90-day holding period with a 1% early redemption fee. Something to consider. Those who favor FTIPX over FSIVX like...
by oldcomputerguy
Tue Nov 28, 2017 2:55 pm
Forum: Investing - Theory, News & General
Topic: Charles Schwab Experiences?
Replies: 84
Views: 10607

Re: Charles Schwab Experiences?

An alternate point of view: Schwab is the provider of DW's 401k plan. IMHO they are way below par in that arena. We recently contacted them to ask about 2FA. Their entire response read: "We do not currently offer 2-factor authentication through your 401k account." No indication that it was in the wo...
by oldcomputerguy
Tue Nov 28, 2017 2:23 pm
Forum: Investing - Theory, News & General
Topic: ETFs Advantage?
Replies: 28
Views: 1526

Re: ETFs Advantage?

So the expense ratio is key re: choice of index ETFs vs. mutual funds? Thank you! The expense ratio is indeed a key factor in predicting future fund returns. But I don't think it's a factor in whether to choose mutual funds versus ETFs or vice versa. For example, the ER of Fidelity's Total Stock Ma...
by oldcomputerguy
Tue Nov 28, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Earned income reducing social security
Replies: 5
Views: 618

Re: Earned income reducing social security

I'm not aware of any way to reduce the earnings figure that is used for the earnings test. According to Mike Piper's "Social Security Made Simple", however, there are some kinds of income that do not apply for purposes of the earnings test. He names pension income, IRA distributions, interest income...
by oldcomputerguy
Tue Nov 28, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 5115

Re: How Do You Stay Current With Popular Music?

alfaspider wrote:
Tue Nov 28, 2017 1:55 pm
The question is why. I'm in my early 30s and have never listened to music much newer than the 90s. There's still plenty of "new to me" music made well before I was born.
Two words: Harry Chapin
:wink:
by oldcomputerguy
Tue Nov 28, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 5115

Re: How Do You Stay Current With Popular Music?

When I was a kid in the '60s, I thought it was pretty funny that my parents listened to Frank Sinatra, and couldn't care less about the rock music of the '60s. Now, most of my friends are still stuck in the '60s/'70s, and I am too. I'd like to stay current with rock, blues, folk and jazz, but there...
by oldcomputerguy
Tue Nov 28, 2017 12:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 129
Views: 11286

Re: Vanguard To Introduce First Actively Managed ETFs With Suite Of Factor Funds

mindboggling wrote:
Tue Nov 28, 2017 11:26 am
Now, we'll all be able to outperform!
... and every investor will be above average.
:shock:
by oldcomputerguy
Tue Nov 28, 2017 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Advice for end of 2017??
Replies: 11
Views: 1423

Re: Advice for end of 2017??

I already maxed out my 401k with no company match for the year: $18,000 I assume that was at the old job. Will you have a company match at the new job? I've seen suggestions here that you contribute enough to the 401k to get the match, then max out a Roth IRA contribution, then put what's left into...
by oldcomputerguy
Tue Nov 28, 2017 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Advice for end of 2017??
Replies: 11
Views: 1423

Re: Advice for end of 2017??

livesoft wrote:
Tue Nov 28, 2017 9:03 am
2. Adjust W-4 to make sure to get 5% Amazon/HRBlock bonus. That's better than a 5% CD.
Livesoft, can you elaborate on this? Not sure what you're describing here. Thanks.
by oldcomputerguy
Tue Nov 28, 2017 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Advice for end of 2017??
Replies: 11
Views: 1423

Re: Advice for end of 2017??

Bacon+Beans wrote:
Tue Nov 28, 2017 8:46 am

[Discussion of proposed legislation is a violation of forum policy and was removed by Mod Mel.]
Just FYI, both these items violate board policy, which prohibits discussion of proposed legislation.
by oldcomputerguy
Tue Nov 28, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Net Benefits: Specifying catch-up contributions
Replies: 8
Views: 410

Re: Fidelity Net Benefits: Specifying catch-up contributions

I don't believe is a Fidelity issue but employer requirement. My wife's employer also requires the 2 separate breakdown by each year end for next year's withholding. They use Vanguard for the 403b program. I believe this is correct, that it is particular to the employer. At my former workplace, the...
by oldcomputerguy
Tue Nov 28, 2017 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Active to Passive - but how to get there?
Replies: 9
Views: 832

Re: Active to Passive - but how to get there?

Hi all - Long time lurker, and now have a situation that I could use some perspective on. Over the last 5 years, I've become a big Boglehead. I used to use expensive FA's, and I've now decided to go completely passive. The problem is that my FA had bought all sorts of silly things - she had basical...
by oldcomputerguy
Tue Nov 28, 2017 7:28 am
Forum: Investing - Theory, News & General
Topic: What makes real estate a unique sector?
Replies: 25
Views: 1580

Re: What makes real estate a unique sector?

It seems to me that, at the end of the day, real estate is simply one sector among many. Yet it often figures prominently into very basic asset allocation models. If people do anything beyond just bonds and stocks they usually add a REIT component. That's certainly the route I've chosen to go. Yet ...
by oldcomputerguy
Tue Nov 28, 2017 6:58 am
Forum: Personal Consumer Issues
Topic: I have Microsoft Office 2007. Should I upgrade?
Replies: 37
Views: 1850

Re: I have Microsoft Office 2007. Should I upgrade?

Before you decide to sink more money into the Microsoft coffers, you might check out LibreOffice and see if it fills your needs. While it is not 100% compatible at the file level (mainly macros), it does a pretty good job of importing and exporting between native OpenDocument formats and Microsoft f...
by oldcomputerguy
Sun Nov 26, 2017 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds: Why?
Replies: 29
Views: 2283

Re: Bonds: Why?

Phineas J. Whoopee wrote:
Sun Nov 26, 2017 2:26 pm


In a different thread I wrote about how CPI is calculated and what one can, and can't, reasonably expect from it. Nisiprius makes a good additional point in the post right below mine.
PJW
Thank you (and thanks to Nisiprius). That was very informative.
by oldcomputerguy
Sun Nov 26, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: Equity beta. What does ishares mean?
Replies: 8
Views: 734

Re: Equity beta. What does ishares mean?

Maybe I’m missing something. As I understand, beta is an expression of how much of the security’s change is explained by change in the market. If iShares’s figure for LQD’s beta is calculated against the S&P500, then i’m not at all surprised at the low figure. LQD is a bond fund, so figuring against...
by oldcomputerguy
Sun Nov 26, 2017 11:22 am
Forum: Investing - Theory, News & General
Topic: Any thoughts on The Aurora Report? [Arora Report]
Replies: 33
Views: 6024

Re: Any thoughts on The Aurora Report?

"Since 2007, The Arora Report remains #1 investment newsletter of its kind in terms of risk adjusted performance." Hm. Interesting quote. Here's the list of the top newsletters of the last ten years, according to the Hulbert Financial Digest. I don't see the Aurora Report mentioned there at all. Am...
by oldcomputerguy
Sun Nov 26, 2017 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 10594

Re: Didn't buy Bitcoin at $4600

If it makes you feel any better, I didn’t buy Bitcoin at $10 (I was aware of it as a “thing” at that price). I also didn’t buy Amazon or Google at IPO either, nor did I buy Dell or any number of other home runs. It always seems clear in retrospect, but it’s not when you are in that moment. DW went ...
by oldcomputerguy
Sun Nov 26, 2017 8:24 am
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 9256

Re: What did you do right?

I married the right woman!!! Ditto. Before I met her, I was a financial wreck (as well as a dating disaster, but that's another story :wink: ). She helped me see the error of my ways. And of course, she's been supportive of my career and is a great partner in life. The other thing that I absolutely...
by oldcomputerguy
Sun Nov 26, 2017 7:48 am
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 17340

Re: The fallacy of spending money on "experiences" vs hard assets

Here's my take, for what it's worth. Some years back, when DW's Toyota Tercel reached the Happy Hunting Ground, we went shopping for a replacement. DW was about 40 years old at the time, and it was soon apparent that she was leaning toward a Mazda Miata convertible. I finally sighed and capitulated....
by oldcomputerguy
Sat Nov 25, 2017 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds: Why?
Replies: 29
Views: 2283

Re: Bonds: Why?

Anything can fluctuate. Your 3-5 year CDs can lose purchasing power if interest rates fluctuate, or if inflation takes a spike. Even cash can lose effective value to inflation. In real terms, nothing is guaranteed not to fluctuate or drop. Ibonds? Inflation adjusted SPIA? The point is, there is no ...
by oldcomputerguy
Sat Nov 25, 2017 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds: Why?
Replies: 29
Views: 2283

Re: Bonds: Why?

I understand the “basic” premise - much less volatile / won’t drop as much in a crash ... My question is basically why would you have your “safe” portion of assets in something that can still fluctuate / drop? I see things like 3-5 year CDs with guaranteed rates of return and I wonder why I shouldn...
by oldcomputerguy
Sat Nov 25, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Should I keep the new iPad I bought or return it?
Replies: 51
Views: 3647

Re: Should I keep the new iPad I bought or return it?

I use mine constantly. It is my primary Kindle ebook reader, it is used for email and reading web sites (usually Bogleheads :wink: ), and it also hosts the authentication apps for my Fidelity, Google, Intuit, Amazon and GoDaddy accounts, and I use it every morning to listen to daily podcasts around ...
by oldcomputerguy
Fri Nov 24, 2017 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 213
Views: 15959

Re: Anyone tired of the stock market going up?

It is what it is. I did recently hit a rebalance point, so I rebalanced out of stocks into bonds and back to my AA. I really don’t feel any inclination to do anything else.
by oldcomputerguy
Fri Nov 24, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: I bought Vanguard Index Funds to get the black friday shopping out of my system
Replies: 17
Views: 1434

Re: I bought Vanguard Index Funds to get the black friday shopping out of my system

No funds for me today. I am however buying a replacement remote for my tv. Also thinking of replacing my clock radio since it changes between standard and daylight savings time on the wrong weekends. Internet shopping. How old is your clock? I remember a few years ago the pain of having to change o...
by oldcomputerguy
Fri Nov 24, 2017 7:46 am
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 8765

Re: Why does everyone keep increasing their international stock %?

Because the correct allocation is the one that approximates the market portfolio (which is about 55% international), but there is still a lot of home bias that people are getting over. I would submit that the question is a bit more complicated than that due to currency and political risk in interna...
by oldcomputerguy
Fri Nov 24, 2017 7:32 am
Forum: Investing - Help with Personal Investments
Topic: Should I Pay Off My Mortgage When I Retire?
Replies: 24
Views: 1209

Re: Should I Pay Off My Mortgage When I Retire?

Will you be making the payments with IRA draws, or from some other source? If I pay it off in one shot, I'll simply withdraw cash from a bank account. I will not be withdrawing that money from my TSP or IRA accounts. MichDad I assume that also goes for making the payments monthly. In that case i’d ...
by oldcomputerguy
Fri Nov 24, 2017 6:56 am
Forum: Investing - Help with Personal Investments
Topic: Should I Pay Off My Mortgage When I Retire?
Replies: 24
Views: 1209

Re: Should I Pay Off My Mortgage When I Retire?

Mine is paid off, and I’m happy. As a rule, I believe it’s recommended to have your house paid off when entering retirement if possible. In this case, i’d suggest you look at how much of your monthly payment at this specific point is actually interest versus principal. If you’re four years through a...
by oldcomputerguy
Thu Nov 23, 2017 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Slice and Dice
Replies: 40
Views: 3269

Re: Slice and Dice

DrGoogle2017 wrote:
Tue Nov 21, 2017 12:25 am
There is nothing to manage, just buy and hold.
Well, rebalance, but that shouldn’t take much effort, even with eight or nine funds.
by oldcomputerguy
Thu Nov 23, 2017 6:06 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 25824

Re: Why not take Social Security at 62

Never have thought much about taking SS at 62, but my FRA is 67 not 65, thought even less about taking it at 70. What's wrong with taking it at FRA? Does everything have to be an extreme, either 62 or 70? In fact I did a spreadsheet analysis here, taking into account DW's and my expenses, SS amount...
by oldcomputerguy
Wed Nov 22, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Uber hacked - identities of 57 million exposed
Replies: 11
Views: 2165

Re: Uber hacked - identities of 57 million exposed

And after paying the extortion fee, Uber assured itself that the data was really deleted---how? I just listened to an NPR radio report on this. Reportedly they did not pay the hackers to delete the data, they paid them to keep quiet about the breach in an attempt to avoid bad press. Oops. Bad form ...
by oldcomputerguy
Wed Nov 22, 2017 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Inheriting 4 stocks
Replies: 15
Views: 1227

Re: Inheriting 4 stocks

Upon the death of the previous owner, however, the purchase price was immediately "reset" to the closing price of the stock on the date of passing. This is a common misconception. The basis is adjusted to the Fair Market Value (FMV) on the date of death. There is a specific definition of what the F...
by oldcomputerguy
Wed Nov 22, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Uber hacked - identities of 57 million exposed
Replies: 11
Views: 2165

Re: Uber hacked - identities of 57 million exposed

grandmacassie wrote:
Wed Nov 22, 2017 11:19 am
And after paying the extortion fee, Uber assured itself that the data was really deleted---how?
I just listened to an NPR radio report on this. Reportedly they did not pay the hackers to delete the data, they paid them to keep quiet about the breach in an attempt to avoid bad press.

Oops.
by oldcomputerguy
Wed Nov 22, 2017 8:19 am
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 72
Views: 4782

Re: Best Basic DESKTOP?

whodidntante wrote:
Wed Nov 22, 2017 1:26 am
I recommend my old 486 DX4/100. It has two floppy drives and a wired mouse that has to be thoroughly cleaned once a week. I'll throw in Wordperfect. :happy
Wow. Does the deal include the Wordperfect function-key overlay? :wink:
by oldcomputerguy
Wed Nov 22, 2017 8:17 am
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 72
Views: 4782

Re: Best Basic DESKTOP?

I do not now and will never own a Dell computer of any stripe. That being said, if your projected use is, as you indicated, very basic, I'd suggest either (1) downloading a copy of Linux Mint and giving it a try on your existing machine (you can boot it straight off the install DVD for testing purpo...
by oldcomputerguy
Wed Nov 22, 2017 7:00 am
Forum: Investing - Help with Personal Investments
Topic: First time investor looking to jump in market but apprehensive with record highs
Replies: 23
Views: 2990

Re: First time investor looking to jump in market but apprehensive with record highs

You can also read about what happens when you are the worst market time in history. https://www.cnbc.com/2015/08/27/the-inspiring-story-of-the-worst-market-timer-ever.html This. Please read about Bob, and take it to heart. The article referred to by Mr. Rosenberg in the CNBC article can be found he...
by oldcomputerguy
Wed Nov 22, 2017 6:54 am
Forum: Investing - Help with Personal Investments
Topic: FTIPX in tIRA, any concern about foreign tax?
Replies: 5
Views: 374

Re: FTIPX in tIRA, any concern about foreign tax?

I'm trying to understand the dynamics of foreign tax in international funds. I want to get into FTIPX within my traditional IRA for now, is there a better option considering the potential of getting internationally taxed? I don't even know when or how that tax is deducted. Don't worry about it. Any...
by oldcomputerguy
Wed Nov 22, 2017 6:49 am
Forum: Investing - Help with Personal Investments
Topic: Inheriting 4 stocks
Replies: 15
Views: 1227

Re: Inheriting 4 stocks

Normally, capital gain is the difference between the purchase price and the selling price. Upon the death of the previous owner, however, the purchase price was immediately "reset" to the closing price of the stock on the date of passing. So capital gain will now be the difference between the sellin...
by oldcomputerguy
Tue Nov 21, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 25824

Re: Why not take Social Security at 62

I think we agree but I likely stated it incorrectly. My wife and I are delaying until next year at 65/66 when she will file for her own and I will file a restricted application, getting half of what she would have received at her FRA of 66 (PIA). I assume that you will be FRA when you file for rest...
by oldcomputerguy
Tue Nov 21, 2017 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 25824

Re: Why not take Social Security at 62

I'm retired and 62 years old. Before I punched out, I considered this question from various angles. I did not consider the question from a point of any percentage of return, because I plan to spend my Social Security draw and not invest it. (For simplicity's sake, I do not consider COLAs here.) Give...
by oldcomputerguy
Mon Nov 20, 2017 7:01 am
Forum: Personal Consumer Issues
Topic: internet browsers and free software?
Replies: 7
Views: 608

Re: internet browsers and free software?

Forking off from https://www.bogleheads.org/forum/viewtopic.php?f=11&t=232677 about web browswers, I read the Wikipedia article about Waterfox and then Palemoon (and its "market share"), and then about web browsers in general. Then I found a related article titled "Free software programmed in C++"....