Search found 3618 matches

by oldcomputerguy
Sun Jun 05, 2016 4:22 pm
Forum: Investing - Theory, News & General
Topic: Biggest investing myths
Replies: 39
Views: 4750

Re: Biggest investing myths

I asked one of my younger co-workers one day if he was contributing to the company 401(k); his response was "no, I like to keep control of my money." He apparently thought that he would have no say in how his money would be invested.
by oldcomputerguy
Sun Jun 05, 2016 9:13 am
Forum: Investing - Theory, News & General
Topic: Signs You Own the Right Portfolio
Replies: 18
Views: 3760

Re: Signs You Own the Right Portfolio

nedsaid wrote:That is a good list. I like what he says that you should have at least one disappointing investment in your portfolio.
Well, right now my international equity (ACWI exUS) is "disappointing" -- does that count?
by oldcomputerguy
Sun Jun 05, 2016 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Critique my long term portfolio?
Replies: 5
Views: 1059

Re: Critique my long term portfolio?

Fidelity 401k. I put 15% of my paycheck into my 401k and have a 50% match. FLBAX Long-term Treasuries, Advantage class -- 0.1% ER, 71% turnover FSRVX Real Estate Index Fund Advantage Class -- 0.09% ER, 9% turnover FSTVX Total Market Advantage Class -- 0.05% ER, 3% turnover To the OP: your percentag...
by oldcomputerguy
Sun Jun 05, 2016 6:38 am
Forum: Forum Issues and Administration
Topic: Staying Logged In
Replies: 30
Views: 4626

Re: Staying Logged In

Your internet provider and/or router probably changes your IP address while you are sleeping. I doubt you really stay connected the whole time, so you get a new IP address every few hours or day or so. Not always. The DHCP protocol (which is the protocol used to assign IP addresses dynamically) inc...
by oldcomputerguy
Sun Jun 05, 2016 6:23 am
Forum: Investing - Help with Personal Investments
Topic: Comparable 4 fund portfolio?
Replies: 8
Views: 1200

Re: Comparable 4 fund portfolio?

I'm interested in opinions from Boggleheaders: Would you consider these holdings to be "close enough" to the Vanguard "Four" fund portfolio? I don't really think it quite fits that characterization. The four-fund portfolio is total stock, total international stock, total bond, and total internation...
by oldcomputerguy
Sat Jun 04, 2016 11:19 am
Forum: Investing - Theory, News & General
Topic: When a fiduciary is not acting in your best interest...
Replies: 39
Views: 3647

Re: When a fiduciary is not acting in your best interest...

Wasn't there an article posted recently that said that an advisor could wear different hats at different times? In other words, be a fiduciary for the advice when you are paying a specified fee for a plan which you will implement yourself. But the fiduciary hat comes off if you decide to use that s...
by oldcomputerguy
Sat Jun 04, 2016 7:53 am
Forum: Investing - Theory, News & General
Topic: Tax efficiency question
Replies: 29
Views: 4052

Re: Tax efficiency question

Do you live in a state that taxes investment income? If so, this may be useful. I recently read Russell Wild's "Exchange-traded Funds for Dummies" in which he cautions concerning aggregate bond ETFs in a taxable account: The broadest fixed income ETFs are all-around good bets, especially for more mo...
by oldcomputerguy
Fri Jun 03, 2016 3:27 pm
Forum: Personal Consumer Issues
Topic: What TYPE of books do you like to read?
Replies: 48
Views: 3724

Re: What TYPE of books do you like to read?

Favorites have been the Robot series by Dr. Isaac Asimov, just about anything written by Robert A. Heinlein, the "Belgariad" and "Malloreon" series by David Eddings, and the Magician series by Raymond Feist. Lately I spend most of my reading time on investment books. In the biography genre I particu...
by oldcomputerguy
Thu Jun 02, 2016 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Exchanging ETF shares for Admiral shares
Replies: 3
Views: 917

Re: Exchanging ETF shares for Admiral shares

I have over $10,000 invested in the Vanguard Total Stock Market ETF (VTI). Since I have over $10k invested and the expense ratios are equivalent, I would like to convert these shares to Admiral shares of the Vanguard Total Stock Market Index Fund. What is the correct way to do this to avoid unwante...
by oldcomputerguy
Thu Jun 02, 2016 6:50 am
Forum: Investing - Help with Personal Investments
Topic: When do YOU rebalance?
Replies: 65
Views: 7448

Re: When do YOU rebalance?

Ron Scott wrote:Let's say the total market, both US and international, dropped 20% this summer and remained low for the next 6-8 months. Bonds remained unchanged.

Would you be buying into stocks this year?
Absolutely.
by oldcomputerguy
Thu Jun 02, 2016 6:49 am
Forum: Investing - Help with Personal Investments
Topic: retirement planning
Replies: 12
Views: 1744

Re: retirement planning

This site has tons of great info and i am glad that i came across this forum since i am new to investing. I am 38 years old and unfortunately have just decided to start planning for the future. I am leaning towards investing in index funds at this point. Any advice is greatly appreciated yearly sal...
by oldcomputerguy
Thu Jun 02, 2016 5:33 am
Forum: Personal Consumer Issues
Topic: Entertainment Center (location for TV)
Replies: 10
Views: 892

Re: Entertainment Center (location for TV)

We have our TV on the wall, with a standalone cabinet below the TV that houses the stereo, Blu-ray player, and VCR (yes, I still have one online for the occasional foray into older archived material). The front speakers sit on top of the cabinet, Roku sits on top of the center speaker. No worries.
by oldcomputerguy
Thu Jun 02, 2016 5:29 am
Forum: Investing - Help with Personal Investments
Topic: Boglehead Investing with Fidelity/ishares
Replies: 22
Views: 3129

Re: Boglehead Investing with Fidelity/ishares

The reason I don't want to buy VNQ with Fidelity is because it's not commission free That's fine but to me it's one of the best REITs index Funds or ETFs out there. The $8 in commission is practically negligible to me. What I can do is reduce the frequency I invest in it and invest in larger chunks...
by oldcomputerguy
Wed Jun 01, 2016 7:36 pm
Forum: Personal Consumer Issues
Topic: DirecTV customers -- be vigilant
Replies: 12
Views: 2364

Re: DirecTV customers -- be vigilant

Well, it gets more and more amusing. This morning I just got yet another invoice on my (supposedly inactive) DirecTV account, this time there is an "adjustment" cancelling out the credit balance from last month, total balance on the account now is $0.00.

I can't wait to see what happens next.
by oldcomputerguy
Wed Jun 01, 2016 3:43 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2280
Views: 398780

Re: What are you up YTD? [Year To Date]

Age 60, AA until about a month ago was 60/40 stock funds/bond funds, last month bumped it down to 50/50 anticipating impending retirement.

Up 4.35% YTD.
by oldcomputerguy
Wed Jun 01, 2016 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund for security + income?
Replies: 2
Views: 561

Re: Which Bond Fund for security + income?

Compared to individual bonds, yes, shares of bond funds to fluctuate; and like other mutual funds, returns are not guaranteed.

You may find this reading beneficial:

https://www.bogleheads.org/wiki/Individ ... _bond_fund
by oldcomputerguy
Wed Jun 01, 2016 4:48 am
Forum: Investing - Theory, News & General
Topic: The Worst Mutual Funds
Replies: 1
Views: 657

Re: The Worst Mutual Funds

I guess we'll never know. http://www.sec.gov/Archives/edgar/data/912036/000119312515322361/d64992d497.htm "At a meeting held on September 17, 2015, the Board of Trustees of Aston Funds approved a plan to liquidate and terminate the Fund (the “Liquidation”), which is expected to occur on or about Oct...
by oldcomputerguy
Tue May 31, 2016 3:27 pm
Forum: Personal Consumer Issues
Topic: Things to Do and See on Kauai, Hawaii
Replies: 75
Views: 8654

Re: Things to Do and See on Kauai, Hawaii

For unique local food, poke is a must. The Fish Express, which is a take-out shop, is probably the best place for poke. Ask the seller to seal your takeout in case you want to bring some poke onto your plane. I always eat as the Romans when in Rome, or so the saying goes so I will definitely have t...
by oldcomputerguy
Mon May 30, 2016 6:55 pm
Forum: Personal Consumer Issues
Topic: Things to Do and See on Kauai, Hawaii
Replies: 75
Views: 8654

Re: Things to Do and See on Kauai, Hawaii

Nicolas wrote:We went there last year. Be sure to visit Waimea canyon, Mark Twain called it the "grand canyon of the pacific".
++1
Beautiful place. Also recommend Allerton and McBryde Botanical Gardens.
by oldcomputerguy
Mon May 30, 2016 6:40 pm
Forum: Personal Consumer Issues
Topic: Things to Do and See on Kauai, Hawaii
Replies: 75
Views: 8654

Re: Things to Do and See on Kauai, Hawaii

Don't know if they are still in business, but I had the best hot dogs ever on Kauai, at a place called "Puka Dogs". We stayed at the Sheraton Kauai, it's about five minutes away from there.
by oldcomputerguy
Mon May 30, 2016 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Reading advice
Replies: 26
Views: 1924

Re: Lazy Portfolios

"First Time Investor" by Paul Merriman. Mr. Merriman slices and dices more than many here feel is proper, but he covers the basics very well. You can download from his web site, paulmerriman.com Bogleheads: More funds do not equate to higher returns. Mr. Merriman's "Ultimate" 11 Fund portfolio curr...
by oldcomputerguy
Mon May 30, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: Windshield chipped - call insurance company?
Replies: 26
Views: 3343

Re: Windshield chipped - call insurance company?

Get it fixed. If it goes the way my last two have gone, the chip will turn into a crack which will grow and ultimately become unsafe.
by oldcomputerguy
Sun May 29, 2016 4:48 pm
Forum: Investing - Theory, News & General
Topic: Tax brackets and investment returns
Replies: 16
Views: 1646

Re: Tax brackets and investment returns

It is not the AGI that determines your tax bracket. Your AGI is the last line on the front page of Form 1040. It is your taxable income that determines your tax bracket. That is on the back - Line 43 of Form 1040. :oops: Yep, I knew that. I just got careless and typed AGI. Sorry. (Sort of….there's ...
by oldcomputerguy
Sun May 29, 2016 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Reading advice
Replies: 26
Views: 1924

Re: Reading advice

"First Time Investor" by Paul Merriman. Mr. Merriman slices and dices more than many here feel is proper, but he covers the basics very well. You can download from his web site, paulmerriman.com
by oldcomputerguy
Sun May 29, 2016 10:39 am
Forum: Personal Consumer Issues
Topic: DirecTV customers -- be vigilant
Replies: 12
Views: 2364

Re: DirecTV customers -- be vigilant

are you sure it is just a mistake? wouldn't amaze me that it is a sneaky way to scam customers from these companies. If they're scamming me, they picked an interesting way to do it. The invoice I have in hand here says that they owe me $215. :beer I'd just trust their billing and let them know wher...
by oldcomputerguy
Sun May 29, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Why am I paying 36% tax on W2 salary ???
Replies: 18
Views: 4701

Re: Why am I paying 36% tax on W2 salary ???

margered wrote:I believe that pre tax medical insurance is not subject to FICA.
My bad, I believe you are correct about that. I'm on my DW's medical insurance, which does seem to exclude her (pre-tax) medical insurance premiums.
by oldcomputerguy
Sun May 29, 2016 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of removing funds from target retirement funds and investing by myself
Replies: 21
Views: 2900

Re: Thinking of removing funds from target retirement funds and investing by myself

I didnt know about retirement account 1 month earlier and this is my first job. I am contributing the full amount towards 401k and IRA, so I am sure in the long term my account will be worth way more. Very good. I wish I had been able to on my first job, I'd be retired in the Bahamas by now. :wink:...
by oldcomputerguy
Sun May 29, 2016 9:25 am
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 290
Views: 138549

Re: I can't believe I am thinking this

fortyofforty wrote: There is strength in a herd, here. A Bogleherd, if you will.
:oops:
by oldcomputerguy
Sun May 29, 2016 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Why am I paying 36% tax on W2 salary ???
Replies: 18
Views: 4701

Re: Why am I paying 36% tax on W2 salary ???

Looking at my paychecks from past employer (living in NJ, working in NYC) (on W2 from employer) at salary of 145k at that time, I am showing that I paid 36% tax on my paychecks. I was showing 0 dependents and filed as Single. Still, 36% ??? Did their accountant mess something up? thank you Change y...
by oldcomputerguy
Sun May 29, 2016 8:40 am
Forum: Personal Consumer Issues
Topic: DirecTV customers -- be vigilant
Replies: 12
Views: 2364

Re: DirecTV customers -- be vigilant

silentfaith wrote:are you sure it is just a mistake? wouldn't amaze me that it is a sneaky way to scam customers from these companies.
If they're scamming me, they picked an interesting way to do it. The invoice I have in hand here says that they owe me $215.
:beer
by oldcomputerguy
Sun May 29, 2016 6:59 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation Conundrum
Replies: 25
Views: 2417

Re: Asset Allocation Conundrum

I would suggest that your first step is to figure out how much money you will need in retirement to maintain the lifestyle you want. (Note that I said "need", not "want".) At age 45, with twenty or so years (more or less) until retirement, the number will necessarily be a bit fuzzy, but a rough numb...
by oldcomputerguy
Sun May 29, 2016 6:51 am
Forum: Personal Consumer Issues
Topic: DirecTV customers -- be vigilant
Replies: 12
Views: 2364

DirecTV customers -- be vigilant

Some years back, my wife and I signed up with DirecTV for satellite TV service. After being their customer for a period of ten years or so, we decided we could do without the expense and "cut the cord". (We haven't really missed it except during football season, when our local college's games seem o...
by oldcomputerguy
Fri May 27, 2016 5:14 pm
Forum: Investing - Theory, News & General
Topic: Tax brackets and investment returns
Replies: 16
Views: 1646

Re: Tax brackets and investment returns

Thanks for the responses. So it looks like if I want to try to stay in the 15% bracket in retirement, I should make sure I have room for any dividends and capital gains from my taxable investments. That complicates the ol' spreadsheet just a bit, but be that as it may. :?
by oldcomputerguy
Fri May 27, 2016 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) withdrawal period
Replies: 4
Views: 552

Re: 401(k) withdrawal period

(Given this, I think my best option would be to roll the 401k over to my TIRA on retirement and draw from there as needed.) Unless your 401k fees are lower than Vanguard Admiral class, Fidelity Spartan, etc., that is usually the best option in any case. All my 401(k) holdings are in Advantage-class...
by oldcomputerguy
Fri May 27, 2016 4:50 pm
Forum: Investing - Theory, News & General
Topic: Tax brackets and investment returns
Replies: 16
Views: 1646

Tax brackets and investment returns

I know that if one's AGI is in the 15% bracket, then long-term capital gains and qualified dividends are taxed at zero rate. Here's a question that I'm a bit fuzzy on, though... if one's tax bracket is dependent on the amount of one's taxable income, does the amount dividends and capital gains recei...
by oldcomputerguy
Fri May 27, 2016 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Money transfers to Vanguard
Replies: 13
Views: 1805

Re: Money transfers to Vanguard

I decided to move my ROTH to Vanguard. It is just sitting at a local bank earning $1 interest. When I put in the request to transfer I was notified there would be a waiting period of 4-6 weeks and I had to print out forms to take to the bank to have signed. At the same time I opened but have not fu...
by oldcomputerguy
Fri May 27, 2016 5:51 am
Forum: Investing - Help with Personal Investments
Topic: 401(k) withdrawal period
Replies: 4
Views: 552

401(k) withdrawal period

In reading through my 401(k) plan documentation, I found something that surprised me a bit. On retirement, I will have two options for taking distributions: (1) a lump sum (no surprise there), or (2) periodic (monthly, quarterly, or annual) distributions covering my life expectancy or fifteen years,...
by oldcomputerguy
Thu May 26, 2016 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Adding to Positions
Replies: 3
Views: 609

Re: Adding to Positions

You'll see discussions of the merits of both paths here. I think you'll find that most often your allocation won't be that far out of balance after one month. So I'd say you won't go too far wrong to simply contribute to each fund according to your AA, then after three months, six months, whatever, ...
by oldcomputerguy
Thu May 26, 2016 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Visa
Replies: 10
Views: 2273

Re: Fidelity 2% Visa

It's accessible from the Fidelity site. It shows up in the sidebar as one of your accounts. Clicking on it takes you to "Manage Money and Payments" where the credit card shows up under the "Credit Cards" tab. From there, you can click on "Account Services" and get to the Fidelity Visa page (actually...
by oldcomputerguy
Thu May 26, 2016 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa rewards card question
Replies: 30
Views: 4325

Re: Fidelity Visa rewards card question

Thanks everyone for the feedback. Looks like I'll be applying for the card this week. One follow up question, can you set up the rewards dollars to automatically credit the Fidelity cash management account? Yes, that's what mine does. It doesn't transfer until you hit 5,000 reward points, then it d...
by oldcomputerguy
Thu May 26, 2016 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa rewards card question
Replies: 30
Views: 4325

Re: Fidelity Visa rewards card question

I'm thinking about getting the new Fidelity Visa rewards card (2% on everything). For those who have the card, can you set it up so that every transaction will send you a text? I have that feature on my AmEx blue cash card and really like the security of knowing in real-time when charges are incurr...
by oldcomputerguy
Thu May 26, 2016 6:22 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3175
Views: 616092

Re: What's Your Credit Card Rewards Strategy?

I thought it might be helpful to have everyone post their strategy they have for earning/redeeming/maximizing credit card rewards. I guess my "strategy", if you want to call it that, is sort of a Boglehead thing, I find the best card deal I can, stick with it, and "take what the market gives" (i.e....
by oldcomputerguy
Wed May 25, 2016 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value Fund as a retirement bucket?
Replies: 9
Views: 1271

Re: Stable Value Fund as a retirement bucket?

Thanks, livesoft. I'm not really that wedded to the idea of "buckets" per se, but it did seem to me to make sense to hold one to two years in necessary expenses in cash once I hit retirement, so I wouldn't have to liquidate stocks for living expenses during a market downturn. I've read pro and con r...
by oldcomputerguy
Wed May 25, 2016 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value Fund as a retirement bucket?
Replies: 9
Views: 1271

Stable Value Fund as a retirement bucket?

My 401k plan has a stable value fund as one of the investments. I never really knew much about it, and never funded that option. After doing some reading, though, I wonder now if it would make a good place to put a retirement bucket. According to my math, when my wife and I both reach retirement age...
by oldcomputerguy
Tue May 24, 2016 8:14 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on trips/vacations?
Replies: 74
Views: 8022

Re: How much do you spend on trips/vacations?

Our vacations end to fall into one of three categories: (1) Two- or three-day getaways to somewhere within driving distance, get a hotel room, maybe tickets for a show (last December's trip to Atlanta to see Trans Siberian Orchestra for instance); (2) A week somewhere that is far enough away to requ...
by oldcomputerguy
Tue May 24, 2016 7:59 pm
Forum: Investing - Theory, News & General
Topic: Fidelity typo (Isolated or not?) [Money Market account balance]
Replies: 11
Views: 1140

Re: Fidelity typo (Isolated or not?)

Maybe Fido is converting to Windows 10.
by oldcomputerguy
Tue May 24, 2016 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Feedback
Replies: 5
Views: 586

Re: Asset Allocation Feedback

I suggest you read this long thread started by Trev H: https://www.bogleheads.org/forum/viewtopic.php?t=38374 Lots of folks on the forum slice-and-dice their portfolios, but many have simplified the coffeehouse-like portfolio with great results. OTOH, folks have been disappointed in international c...
by oldcomputerguy
Tue May 24, 2016 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Why are health care funds down in 2016?
Replies: 10
Views: 1615

Re: Why are health care funds down in 2016?

Looking at 125 healthcare funds in Morningstar, almost every single one has a negative return YTD. The average is -11%. Can someone shed some light? Is this viewed as a short term or long term trend? Thanks, Brooks Prescription medicine pricing has turned into a hot-button campaign issue. That's pr...
by oldcomputerguy
Tue May 24, 2016 7:09 pm
Forum: Investing - Theory, News & General
Topic: Fidelity typo (Isolated or not?) [Money Market account balance]
Replies: 11
Views: 1140

Re: Fidelity typo (Isolated or not?)

My retirement accounts are at Fidelity, all looks normal with them.
by oldcomputerguy
Tue May 24, 2016 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Best time of day to buy or sell funds
Replies: 25
Views: 6355

Re: Best time of day to buy or sell funds

Okay well I am not planning to buy or sell anything today. I was able to create a portfolio at Morningstar and it rated all my funds, One of them only had one star. That kind of helped although I'm sure a one star can explode and earn more money than a three or four star but long term I'm not sure ...