Search found 1782 matches

by oldcomputerguy
Thu Oct 12, 2017 8:44 am
Forum: Investing - Help with Personal Investments
Topic: 100% invested, all in, no cash- how do you do it?
Replies: 42
Views: 3508

Re: 100% invested, all in, no cash- how do you do it?

The simplest thing I found was to deposit my paycheck into my schwab checking account. Every payday, I take the balance of what was in just prior to paycheck deposit, and invest it. But, that's a personal preference. I like living from paycheck to paycheck rather than figuring out what 2 months of ...
by oldcomputerguy
Wed Oct 11, 2017 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity replacing SS shortfall?
Replies: 14
Views: 926

Re: Annuity replacing SS shortfall?

Thanks, Taylor. Much appreciated.
by oldcomputerguy
Wed Oct 11, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Annuity replacing SS shortfall?
Replies: 14
Views: 926

Annuity replacing SS shortfall?

I've never thought much about an annuity, tending more toward living off SS, our pensions, and our IRAs. The thought struck me just this morning, however, that perhaps I am missing a bet. We've all read how Social Security is expected to hit a shortfall sometime around 2034 (no comments regarding po...
by oldcomputerguy
Wed Oct 11, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Pro and cons of the Prime offer by Amazon.......
Replies: 39
Views: 3659

Re: Pro and cons of the Prime offer by Amazon.......

We had Amazon Prime once, just to give it a try. Never thought much of it, bailed on it after a year. I don't order that much from Amazon that needs to be shipped (Kindle books mostly) so free shipping is not a persuading factor. We thought also that we might find some better content on Prime to wat...
by oldcomputerguy
Wed Oct 11, 2017 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Social Security - general question
Replies: 28
Views: 2449

Re: Social Security - general question

Eeesh. Is there a recommended book that covers the 'need to know' stuff, without getting WAY deep into the weeds? I would like to know what I need to know, so that I understand the implications of any decisions I make, but I don't necessarily need to become an expert. Will AnyPia basically cover ev...
by oldcomputerguy
Wed Oct 11, 2017 8:18 am
Forum: Investing - Theory, News & General
Topic: Vanguard bond ETF/funds
Replies: 21
Views: 1177

Re: Vanguard bond ETF/funds

The answer to your question would depend on exactly why you wanted to buy bonds in the first place. If it was for ultimate safety and diversification from stocks first and foremost, I'd choose Intermediate Term Treasury Fund (either VFIUX / Admiral shares or VFITX / Investor shares, depending on how...
by oldcomputerguy
Tue Oct 10, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 6385

Re: Fidelity Security

How does the VIP app really provide any extra security? To deactivate it all you have to do is call... The voice print security validates who's calling. https://www.fidelity.com/security/fidelity-myvoice/overview Has anyone here actually lost their VIP access device and had to "recover" their accou...
by oldcomputerguy
Tue Oct 10, 2017 7:36 am
Forum: Personal Consumer Issues
Topic: McDonalds Rick and Morty Szechuan Sauce...$995 ?
Replies: 16
Views: 2381

Re: McDonalds Rick and Morty Szechuan Sauce...$995 ?

Um, the ER on this investment seems a bit high to me. I think I'd rather just pick up a bottle of WorldClassics Szechuan Sauce at my local B&M grocery next time I'm there (12 oz, $4).
:greedy
by oldcomputerguy
Tue Oct 10, 2017 5:06 am
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 51
Views: 3705

Re: What specific changes have you made post-Equifax?

I had already put 2FA in place on our Fidelity and Vanguard accounts (Fidelity uses Symantec VIP Access, Vanguard was set up prior with SMS text). Since the Equifax breach, I have enabled a Yubikey login on Vanguard. In addition, I have protected my Google account (as well as my Mint account and my ...
by oldcomputerguy
Mon Oct 09, 2017 5:02 pm
Forum: Forum Issues and Administration
Topic: Getting Malwarebytes warnings on this site
Replies: 18
Views: 2619

Re: Getting Malwarebytes warnings on this site

I'm running Linux here, so no experience with Malwarebytes (other than at my former workplace). But it did occur to me to wonder, and I admit I'm grasping at straws here... there's a setting in Chrome that allows Chrome to prefetch pages that are linked in the page currently being browsed. Is it pos...
by oldcomputerguy
Mon Oct 09, 2017 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k rollover to IRA -- move and investments
Replies: 15
Views: 597

Re: Fidelity 401k rollover to IRA -- move and investments

why do you want to move it out the 401k? do you know what a backdoor roth IRA is? fidelity is a great place and has great index TDF. OP, if you do decide to move your funds to a Target Date fund at Fidelity, be careful in selecting the fund. Fidelity's target date funds come in two flavors, index a...
by oldcomputerguy
Mon Oct 09, 2017 9:33 am
Forum: Investing - Theory, News & General
Topic: what to research on possible "too good to be true" ETF
Replies: 10
Views: 618

Re: what to research on possible "too good to be true" ETF

Have you read the Prospectus ? Did you understand it? If not, why in the world would you want to invest? This past weekend DW and I took a day trip to a nearby casino. I walked out with $200 more than I had when I walked in. Doesn't mean that the casino is a winning strategy for me; in fact it typic...
by oldcomputerguy
Sun Oct 08, 2017 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Grandad gifted FAGIX in UTMA account
Replies: 16
Views: 1234

Re: Grandad gifted FAGIX in UTMA account

I didn't see it mentioned, but if Grandad will really get upset by this. The waiting period only applies to tax loss harvesting. With tax gain harvesting, you can sell a security one day and buy the exact same security the next day. Not always. Last time I sold some VTSAX, I got a notification from...
by oldcomputerguy
Sun Oct 08, 2017 5:09 pm
Forum: Investing - Theory, News & General
Topic: Is there a deadline to initiate a 401k distribution?
Replies: 11
Views: 770

Re: Is there a deadline to initiate a 401k distribution?

Thank you both. I understand that I can stay put, but I want to move it for administrative convenience (new employer 401k is fine and I don't want to have multiple accounts to log into). I've already received all pay, and already contributed the max for the year, so that's taken care of. And yes I ...
by oldcomputerguy
Sun Oct 08, 2017 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Why is TransUnion pushing True Identity vs credit freeze?
Replies: 28
Views: 10198

Re: Why is TransUnion pushing True Identity vs credit freeze?

A freeze (hopefully) prevents someone from fraudulently opening a new credit account under your name. Does TrueIdentity do that as well?
by oldcomputerguy
Sun Oct 08, 2017 7:04 am
Forum: Investing - Help with Personal Investments
Topic: Small cap ETF, differernce between VB and IJR
Replies: 4
Views: 424

Re: Small cap ETF, differernce between VB and IJR

I don’t know off the top of my head, but I would assume the difference would be because of the differences in underlying indices. You might research those indices and their criteria for inclusion if you’re really curious. Obviously the two indices are not even closely similar given the large differe...
by oldcomputerguy
Sun Oct 08, 2017 6:44 am
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 5704

Re: Roof shingles do not match - Neighbor sent notice

I would first go back over the papers you signed when you bought in. Make sure of exactly what your obligations are.

That being said, I don’t think you broke any laws.
by oldcomputerguy
Sat Oct 07, 2017 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Options in Fidelity Brokerage Account
Replies: 15
Views: 800

Re: Help with Options in Fidelity Brokerage Account

I’m sorry but I don’t understand what you mean by distributions that are made by a fund, and how it affects the capital gains. I’m new to this and would really appreciate some help. Contra fund is what is referred to as an “actively managed”fund. This mans that the fund manager frequently buys and ...
by oldcomputerguy
Sat Oct 07, 2017 11:38 am
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 102
Views: 5816

Re: Has your "risk tolerance" been tested?

I was 100% equities during the downturn. I can’t honestly say that I was tested, though, because in actual fact I was really naive about my 401k back then, and never made the connection between the newspaper articles and my retirement savings, so to this day I have no idea what happened to my balanc...
by oldcomputerguy
Sat Oct 07, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Does my Honda CRV need servicing?
Replies: 11
Views: 930

Re: Does my Honda CRV need servicing?

We have a CR-V that we’ve had for about 150k miles. We usually do oil changes around every 5k miles or so. We have done one transmission service since new. Runs like a top. Preventative maintenance is important, but remember that the little wrench light was programmed by the same company that sold y...
by oldcomputerguy
Sat Oct 07, 2017 11:30 am
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 8081

Re: I'm thinking about cashing completely out of equites....

Traditional wisdom is to keep at least 20% in equities to provide growth to stay ahead of inflation. That being said, traditional wisdom also says “if you have won the game, stop playing.” I wouldn’t pull completely out of equities, but if you have what you’ll need to meet expenses, there is no reas...
by oldcomputerguy
Sat Oct 07, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: CC online purchase at BestBuy denied - related to recent credit freeze?
Replies: 22
Views: 1239

Re: CC online purchase at BestBuy denied - related to recent credit freeze?

Once after I had booked a rather strange vacation (home to Seattle to Las Vegas to home, all as separate segments because Orbitz was brain dead but that's a whole nuther discussion), Capital One called me on my cell phone to ask if that in fact had been me. (I assured them that it was.) So yes, some...
by oldcomputerguy
Fri Oct 06, 2017 3:21 pm
Forum: Investing - Theory, News & General
Topic: Bogle himself is saying we will expect like 3% for the next decades
Replies: 141
Views: 15375

Re: Bogle himself is saying we will expect like 3% for the next decades

I never had any expectations specifically. About all you can do is see how your plan behaves under a variety of assumptions and decide if that will get you to your goal. 3% real for equity isn't unreasonable as one of those scenarios. 3% real would be okay with me. My budget plan going forward hope...
by oldcomputerguy
Fri Oct 06, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to convince my sister not to use a financial advisor
Replies: 59
Views: 3992

Re: Trying to convince my sister not to use a financial advisor

Tell her this: Assume she invests in a silly-simple portfolio of just one fund, Vanguard LifeStrategy Moderate Growth fund, a balanced fund with a 60/40 asset allocation and an expense ratio of 0.14%. That's about as garden-variety as you can get. If she invests her $100,000 for twenty years, assumi...
by oldcomputerguy
Fri Oct 06, 2017 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks, how safe are they?
Replies: 31
Views: 1863

Re: Paper checks, how safe are they?

How else does one pay monthly bills from merchants who do not accept Visa cards?
by oldcomputerguy
Fri Oct 06, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 2 Factor verification
Replies: 14
Views: 3233

Re: Capital One 2 Factor verification

After I reported the fraud yesterday I received a same day email from Cap One saying that 2FV was available. Is this new? This is interesting as I called them within the past couple of weeks to ask about 2FV and they said it wasn't available. I haven't received an email about it yet. Maybe this? ht...
by oldcomputerguy
Fri Oct 06, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Easier Account Authorization for Spouses/Partners, etc.
Replies: 9
Views: 747

Re: Easier Account Authorization for Spouses/Partners, etc.

Yes I've been set up that way for a while at Vanguard . I can accomplish whatever we need from my login. Fidelity is not quite the same way. I still have to login with her ID to do anything with her SIMPLE account and Roth IRA. You in fact can grant permissions for one spouse to have authority over...
by oldcomputerguy
Fri Oct 06, 2017 6:19 am
Forum: Investing - Help with Personal Investments
Topic: Easier Account Authorization for Spouses/Partners, etc.
Replies: 9
Views: 747

Re: Easier Account Authorization for Spouses/Partners, etc.

Yes I've been set up that way for a while at Vanguard . I can accomplish whatever we need from my login. Fidelity is not quite the same way. I still have to login with her ID to do anything with her SIMPLE account and Roth IRA. You in fact can grant permissions for one spouse to have authority over...
by oldcomputerguy
Thu Oct 05, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: RMD Question
Replies: 30
Views: 2674

Re: RMD Question

Thanks all. I guess I can start taking my RMD on Jan 1 2018 instead of later in the year. Right. On the other side of the coin, some folks my try to do Roth conversions in the first part of that year prior to turning 70-1/2. That's not permissible by IRS regulation and puts one in an Excess Contrib...
by oldcomputerguy
Thu Oct 05, 2017 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you think the money will come from to move the overall market higher?
Replies: 31
Views: 2236

Re: Where do you think the money will come from to move the overall market higher?

CoAndy wrote:
Thu Oct 05, 2017 1:42 pm
I wonder about this too, although for a slightly different reason.
Total student loan debt in this country: $1,400,000,000,000.00
Total credit card debt in this country: $1,000,000,000,000.00
Total auto loan debt in this country: $1,000,000,000,000.00
...
None of it's mine. :)
by oldcomputerguy
Thu Oct 05, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: RMD Question
Replies: 30
Views: 2674

Re: RMD Question

Thanks all. I guess I can start taking my RMD on Jan 1 2018 instead of later in the year. Right. On the other side of the coin, some folks my try to do Roth conversions in the first part of that year prior to turning 70-1/2. That's not permissible by IRS regulation and puts one in an Excess Contrib...
by oldcomputerguy
Thu Oct 05, 2017 11:56 am
Forum: Investing - Theory, News & General
Topic: Peering into the future: tax brackets
Replies: 8
Views: 1054

Re: Peering into the future: tax brackets

I have a spreadsheet built to plan my budget in retirement going forward to 2050. I included in this spreadsheet essentially what you're describing. But since none of us can predict the future, I just used a rough rule of thumb of tying the increases in tax brackets each year to a predicted inflati...
by oldcomputerguy
Thu Oct 05, 2017 5:29 am
Forum: Investing - Theory, News & General
Topic: Peering into the future: tax brackets
Replies: 8
Views: 1054

Re: Peering into the future: tax brackets

I have a spreadsheet built to plan my budget in retirement going forward to 2050. I included in this spreadsheet essentially what you're describing. But since none of us can predict the future, I just used a rough rule of thumb of tying the increases in tax brackets each year to a predicted inflatio...
by oldcomputerguy
Wed Oct 04, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: River cruise recommendations (Europe)
Replies: 19
Views: 1463

Re: River cruise recommendations (Europe)

epictetus wrote:
Wed Oct 04, 2017 6:20 pm
I have a friend who has taken several Viking river cruises in Europe and she has been very pleased with her experiences.
+1.DW and I just did a Viking river cruise this past spring, starting in Zurich and ending in Paris. Loved it, already looking forward to the next one.
by oldcomputerguy
Wed Oct 04, 2017 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Only bond fund in 401K is Pimco Total Return. Buy?
Replies: 15
Views: 650

Re: Only bond fund in 401K is Pimco Total Return. Buy?

What is the expense ratio for PIMCO Total Return? After reading the OP's question and yours, I did a bit of poking around on fidelity. We had PIMCO Total Return Institutional fund (PTTRX) as one of our options in my former 401k plan, the net ER of that share class was 0.46% (which to me is outrageo...
by oldcomputerguy
Wed Oct 04, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Dish network
Replies: 21
Views: 1230

Re: Dish network

Heavy enough rain or snow will take out any satellite service. That's the nature of satellite.
by oldcomputerguy
Wed Oct 04, 2017 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Pension Now (Age 36) or Later (Age 65)?
Replies: 45
Views: 3364

Re: Pension Now (Age 36) or Later (Age 65)?

If I take it now at age 36 it is $25k or if I wait until age 65 it is $130k. Simple math suggest this is about 6% rate. You need to also factor in inflation. The math gets funky but 30 years of even 3% inflation gets pretty ugly. Definitely. $25k translated through 30 years of 3% works out to $60,6...
by oldcomputerguy
Wed Oct 04, 2017 7:58 am
Forum: Investing - Theory, News & General
Topic: Some Hand-Holding
Replies: 17
Views: 1210

Re: Some Hand-Holding

I'm sure others will chime in, but I'm thinking that you may still be too aggressive in your asset allocation, if you're this nervous over the coming downturn (and there will be one, the only question is "when"). You might even consider dialling back to 60/40. Yes, you possibly will miss out on some...
by oldcomputerguy
Wed Oct 04, 2017 7:42 am
Forum: Investing - Help with Personal Investments
Topic: to good to be true? [Investing in Real Estate Company]
Replies: 27
Views: 2135

Re: to good to be true?

I don't think you need to apologize actually - to me - it shows they are somewhat of a fly-by-night outfit. I do have to wonder about the following: (From the RAC Investments page) Office Adress: 150 N Santa Anita Ave, Suite 645, Arcadia, CA Tin-Jon Syiau Founder & CEO Tin-Jon aka TJ, graduated fro...
by oldcomputerguy
Wed Oct 04, 2017 7:16 am
Forum: Investing - Help with Personal Investments
Topic: to good to be true? [Investing in Real Estate Company]
Replies: 27
Views: 2135

Re: to good to be true?

Stand up for proper use of terms; run away. Not sure what you mean by "stand up for proper use of terms"... if you're referring to the use of "principle" rather than "principal", I can't take the blame for that one, that was a cut-and-paste from their web site. I wasn't putting the misuse on you, t...
by oldcomputerguy
Wed Oct 04, 2017 6:19 am
Forum: Investing - Help with Personal Investments
Topic: to good to be true? [Investing in Real Estate Company]
Replies: 27
Views: 2135

Re: to good to be true?

TomatoTomahto wrote:
Wed Oct 04, 2017 5:57 am
Stand up for proper use of terms; run away.
Not sure what you mean by "stand up for proper use of terms"... if you're referring to the use of "principle" rather than "principal", I can't take the blame for that one, that was a cut-and-paste from their web site.
by oldcomputerguy
Wed Oct 04, 2017 5:20 am
Forum: Investing - Help with Personal Investments
Topic: to good to be true? [Investing in Real Estate Company]
Replies: 27
Views: 2135

Re: to good to be true?

Read that even if I don't invest any money they would still provide me with 5% interest rate which is really appealing to me but it also sounds to good to be true. That's not at all the way I read it. After the sale of a project , clients will get their payout as following: 1. Principle 2. 5% APR f...
by oldcomputerguy
Wed Oct 04, 2017 5:00 am
Forum: Investing - Help with Personal Investments
Topic: Did Vanguard and I mess up?
Replies: 3
Views: 708

Re: Did Vanguard and I mess up?

Great to know. I thought you had to keep them separated. The only reason I can think of to keep them separated would be if you might later go to work somewhere else and wanted to roll your previous 401k funds out of the IRA and into their 401k plan. This of course would depend on the terms of the n...
by oldcomputerguy
Tue Oct 03, 2017 8:16 am
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9185

Re: Buy on Really Bad Days, Sell on Really Good Days?

I really don't want to watch things on a daily basis and make decisions that often. One doesn't have to watch anything because your brokerage firm (including Vanguard) will do it for you. Just set an alert to send a message/e-mail to your phone when something is triggered. It really is that easy as...
by oldcomputerguy
Tue Oct 03, 2017 4:52 am
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 47
Views: 4099

Re: So... What bond fund or bond-like instrument do you use?

My IRA is at Fidelity. I'm holding FSITX Fidelity U.S. Bond Index Fund, which benchmarks Barclay's Aggregate index. DW has her 401k with Schwab. It's composed of UITs, she's holding a mix of funds there including a bond component that tracks Barclay's Aggregate. In short, all our bond holdings are b...
by oldcomputerguy
Mon Oct 02, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Consumer Cellular lowers prices or increases benefits
Replies: 14
Views: 1208

Re: Consumer Cellular lowers prices or increases benefits

I did not get an email from CC, but after seeing this post I wanted to see what changes they made to my account. Yes, calls and texts are now unlimited, for the same price. So far so good. However, looking at their new pricing, they increased each additional line from $10/month to $15/month - a who...
by oldcomputerguy
Mon Oct 02, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: Current Bull Market could last years
Replies: 89
Views: 9724

Re: Current Bull Market could last years

Not very helpful. I want to know how many more days the current bull market will last. I don't care how many more days the current bull market will last. When the drop comes, I'll rebalance and go on with life. To tell you a secret, I want to sell before the crash, and buy back after. I understand....
by oldcomputerguy
Mon Oct 02, 2017 10:37 am
Forum: Investing - Theory, News & General
Topic: Current Bull Market could last years
Replies: 89
Views: 9724

Re: Current Bull Market could last years

flyingaway wrote:
Mon Oct 02, 2017 10:33 am
Not very helpful. I want to know how many more days the current bull market will last.
I don't care how many more days the current bull market will last. When the drop comes, I'll rebalance and go on with life.
by oldcomputerguy
Mon Oct 02, 2017 10:27 am
Forum: Investing - Theory, News & General
Topic: The Future of Active vs Index Investing
Replies: 33
Views: 2503

Re: The Future of Active vs Index Investing

The fees are not the only difference between active and passive funds. There are also trading costs and the general failure of fund managers in trying to guess which assets will outperform. Even if ERs were identical, I think I'd still stay with passive funds.
by oldcomputerguy
Mon Oct 02, 2017 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6035

Re: Are credit cards rewards worth it?

You get nothing back from using your debit card, so even a meager 2% return is better. Also, there is a higher potential for loss due to fraud if the debit card is compromised as versus the credit card. I use my Fido credit cards for everything I can pile onto them, and only use my debit card at the...