Search found 3621 matches

by oldcomputerguy
Fri Dec 28, 2018 2:34 pm
Forum: Forum Issues and Administration
Topic: SITE OFFLINE (Dec 28) Friday, 2:00 PM Eastern (19:00 UTC) - software upgrade
Replies: 31
Views: 2024

Re: SITE OFFLINE (Dec 28) Friday, 2:00 PM Eastern (19:00 UTC) - software upgrade

Great news!

Thanks for all you (and the other admins) do to keep the site running and civil.
by oldcomputerguy
Fri Dec 28, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: [Vanguard Founder Jack Bogle Says It’s Time to Play It Safe]
Replies: 153
Views: 13581

Re: Vanguard Founder Jack Bogle Says It’s Time to market time

Jack Bogle has had various allocations attributed to him over the years: age in bonds, 60/40, 50/50, 35/65, whatever. In The Little Book of Common Sense Investing he recommends a range of 25%-75% equities-take your pick. So he is not really trying to "time the market". He is simply discussing chang...
by oldcomputerguy
Fri Dec 28, 2018 11:23 am
Forum: Investing - Theory, News & General
Topic: Nobody asked me but
Replies: 46
Views: 4594

Re: Nobody asked me but

1.) The last few days, daily ranges are: 4.15%, 3.05%, 3.98%, 3.90%, 6.07%, 4.10% At the same time, the abs change between those dates is about ~2%. Which is a ratio of 10 to 1 between traveled distance and actual change. Elevated volatility combined with the damaging media around it provides excel...
by oldcomputerguy
Fri Dec 28, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Emergency fund as part of asset allocation?
Replies: 6
Views: 307

Re: Emergency fund as part of asset allocation?

I have a 75% stock / 25% bonds/fixed income allocation. Does my emergency fund count as part of the bonds/fixed income allocation? In my view, no. The purpose of having an emergency fund is so that you have cash on hand and not have to sell any of your investments in a down market to handle an unfo...
by oldcomputerguy
Fri Dec 28, 2018 11:14 am
Forum: Investing - Theory, News & General
Topic: [Vanguard Founder Jack Bogle Says It’s Time to Play It Safe]
Replies: 153
Views: 13581

Re: Vanguard Founder Jack Bogle Says It’s Time to market time

I'll refrain from commenting unless and until I can read the article in question, rather than just the first paragraph. (Paywalled.)
by oldcomputerguy
Fri Dec 28, 2018 7:30 am
Forum: Investing - Help with Personal Investments
Topic: TLH partner for Fidelity Total Stock Market Index fund
Replies: 23
Views: 1096

Re: TLH partner for Fidelity Total Stock Market Index fund

Looking for a good TLH partner for the Fidelity, Total Stock Market Index Mutal fund.(FSKAX) Will Vanguard Total Stock Market Index ETF, VTI will be fine as they both track different indexes. If you're at Fidelity, you might try FXAIX, Fidelity S&P500 Index Fund. If you're wanting ETFs, iShares IVV...
by oldcomputerguy
Fri Dec 28, 2018 7:24 am
Forum: Investing - Theory, News & General
Topic: Question for the bond experts
Replies: 24
Views: 1415

Re: Question for the bond experts

I understand bond fund duration and why bonds lose value when interest rates increase. This is why Vanguard total bond has lost about 2% this year. However, it's my understanding that if a bond is held to maturity then there is no loss in value, is that correct? So, that would imply that bond funds...
by oldcomputerguy
Fri Dec 28, 2018 7:04 am
Forum: Investing - Theory, News & General
Topic: Why not go all small cap value for equities?
Replies: 72
Views: 4418

Re: Why not go all small cap value for equities?

michaeljmroger wrote:
Thu Dec 27, 2018 7:54 pm
Maybe a little bit out of topic but can someone clarify the differences between Small-Cap (VSMAX) and Small-Cap Value (VSIAX) ?
VSMAX is spread pretty much evenly across growth and value. VSIAX is more heavily concentrated on value stocks.
by oldcomputerguy
Thu Dec 27, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Ticket for speeding
Replies: 66
Views: 5361

Re: Ticket for speeding

When did this happen? Around here, school is still out for the Christmas holiday. If school is not in session, is the area in question legitimately a "school zone"?
by oldcomputerguy
Thu Dec 27, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: SS Survivor Spouse Calculation Beyond What's Posted on SSA Website?
Replies: 39
Views: 1715

Re: SS Survivor Spouse Calculation Beyond What's Posted on SSA Website?

applejack123 wrote:
Thu Dec 27, 2018 8:58 am
By the way, I really appreciate your help. Its nice to have knowledgeable people to ask questions.
OP, you should check out ObliviousInvestor's book "Social Security Made Simple". It's available in print and electronic versions, and is a great resource.
by oldcomputerguy
Thu Dec 27, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: SS Survivor Spouse Calculation Beyond What's Posted on SSA Website?
Replies: 39
Views: 1715

Re: SS Survivor Spouse Calculation Beyond What's Posted on SSA Website?

ObliviousInvestor wrote:
Thu Dec 27, 2018 8:25 am
The internal SSA employee manual ("POMS")
https://secure.ssa.gov/apps10/poms.nsf/lnx/0202409000
Mike,

Not sure if this link is the one you intended, it points to a particular subsection of the POMS. Here's a link to the top level:

https://secure.ssa.gov/apps10/
by oldcomputerguy
Thu Dec 27, 2018 6:45 am
Forum: Investing - Theory, News & General
Topic: Why stay the course? Why not sell all?
Replies: 68
Views: 6812

Re: Why stay the course? Why not sell all?

Let’s say, hypothetically speaking of course, that there is a good chance stocks will fall in the next few weeks/months. I'll grant that premise to an extent. There is always a chance that stocks will fall in the next few weeks/months. How good is the chance? Who knows? I am not trying to argue or ...
by oldcomputerguy
Thu Dec 27, 2018 6:37 am
Forum: Investing - Theory, News & General
Topic: Nuveen Strategic Municipal Opportunities Fund - 2.94% TAX FREE?
Replies: 16
Views: 1198

Re: Nuveen Strategic Municipal Opportunities Fund - 2.94% TAX FREE?

How are they able make their monthly distributions tax free? Are the Munis themselves inherently tax free? Municipal bonds are tax-free at the Federal level. If your state has state income tax, the state will still tax them, unless the bonds happen to have been issued by entities in your state or m...
by oldcomputerguy
Thu Dec 27, 2018 5:29 am
Forum: Investing - Theory, News & General
Topic: A200
Replies: 3
Views: 466

Re: A200

Redstorm wrote:
Thu Dec 27, 2018 4:56 am
A200 BetaShares Australia 200 ETF (top 200) has a fee of just 0.07% (lowest cost ETF in the world?)
Hardly the lowest. Vanguard's VOO S&P500 ETF has an ER of 0.04%, as does iShares' IVV S&P500 Core ETF.
by oldcomputerguy
Wed Dec 26, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10126
Views: 1785960

Re: U.S. stocks in free fall

J G Bankerton wrote:
Wed Dec 26, 2018 10:10 am
We look at "real" losses thank you. Bond people need the income, so the pain is real.
How does either (a) the drop in bond prices due to rising interest rates or (b) the recent drop in stock prices affect bond coupons?
by oldcomputerguy
Wed Dec 26, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10126
Views: 1785960

Re: U.S. stocks in free fall

columbia wrote:
Tue Dec 25, 2018 10:22 pm
AlphaLess wrote:
Tue Dec 25, 2018 10:17 pm
J G Bankerton wrote:
Tue Dec 25, 2018 7:06 pm

I hear that from the bots all the time.
What language to the bots speak?
All programming languages I’ve used (12?) - and I’d dare say all of them ever in invented - are ostensibly in English, so that’s your answer. ;)
How about assembler?
:twisted:
by oldcomputerguy
Tue Dec 25, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10126
Views: 1785960

Re: U.S. stocks in free fall

Any guess as to when will be the day when all three major indices will be green, even if by one point? Will it be in Dec? On that note, when are we going to see bottom? Will that be first half of 2019? Even if market goes down 30% more to be 50% overall down and it drops on an average of 5% a week,...
by oldcomputerguy
Tue Dec 25, 2018 7:03 am
Forum: Investing - Theory, News & General
Topic: Are we officially in bear market ?
Replies: 79
Views: 9733

Re: Are we officially in bear market ?

I have the same question as am. Are the large institutional I nvestors causing this sell off to make their end of year balance sheets look good or is it the Mom and Pop investors who never saw a major sell off , panicking ? If it is former situation, we may see a recovery of the Market after Jan 1s...
by oldcomputerguy
Tue Dec 25, 2018 6:28 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10126
Views: 1785960

Re: U.S. stocks in free fall

I could see this causing a recession... when people feel less wealthy they cut spending back. I wonder how many people are seeing their company stock shares nose diving (tech companies) It would be unusual indeed for a stock market decline to cause a recession. It's usually the other way around. On...
by oldcomputerguy
Mon Dec 24, 2018 5:48 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10126
Views: 1785960

Re: U.S. stocks in free fall

At CNN futures are green by 0.5% with DOW up by 122 points. Let us hope it comes back and reverses the trend from tomorrow. Dow futures are indeed green. However, it appears S&P500 futures are down 0.72% . Both are now up a bit. Tomorrow may be interesting. ... aaaaand, good morning, welcome to Mon...
by oldcomputerguy
Sun Dec 23, 2018 10:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10126
Views: 1785960

Re: U.S. stocks in free fall

amitb00 wrote:
Sun Dec 23, 2018 10:04 pm
At CNN futures are green by 0.5% with DOW up by 122 points. Let us hope it comes back and reverses the trend from tomorrow.
Dow futures are indeed green. However, it appears S&P500 futures are down 0.72%.
by oldcomputerguy
Sun Dec 23, 2018 8:46 pm
Forum: Investing - Theory, News & General
Topic: What was your best investment in 2018?
Replies: 127
Views: 7238

Re: What was your best investment in 2018?

Spending quality time with DW.
by oldcomputerguy
Sun Dec 23, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Boeing-time to buy?
Replies: 26
Views: 2242

Re: Boeing-time to buy?

I have been eyeing Boeing for some time. As of December 21 it was down to $304 per share, near its 52 week low of $294 per share, with the 52 week high being $394 per share. It's current dividend yield is about 2.6%. Morning star rates it 3 stars and a hold, while CFRA rates it a buy. It seems like...
by oldcomputerguy
Sat Dec 22, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: How to tax loss harvest?
Replies: 20
Views: 1780

Re: How to tax loss harvest?

The Wizard wrote:
Sat Dec 22, 2018 7:27 am
My plan is to exchange these into VFIAX (S&P 500 index) on Monday or Wednesday next week depending...
Just as a side note, if you plan to do this on Monday, be aware that the market closes at 1:00 pm.
by oldcomputerguy
Sat Dec 22, 2018 7:16 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k - can you choose which fund dividends reinvest to?
Replies: 13
Views: 543

Re: Fidelity 401k - can you choose which fund dividends reinvest to?

Set the funds so they do NOT "reinvest" (for both dividends and cap gains). My 401k was with Fidelity prior to my retirement in 2017. I don't recall there being a way to control dividend/capital gain reinvestment, and I'm pretty sure there was no settlement account (at least not one I could access ...
by oldcomputerguy
Fri Dec 21, 2018 5:04 pm
Forum: Investing - Theory, News & General
Topic: Rebalance based on time or threshold?
Replies: 9
Views: 548

Re: Rebalance based on time or threshold?

At an arbitrary time (birthday) depending on threshold (rebalance if your threshold is breached) Similar here, I look at rebalancing twice a year (in January and July), and rebalance if stocks-to-bonds is more than 5% off. I keep some domestic and international equity in my traditional IRA (along w...
by oldcomputerguy
Fri Dec 21, 2018 5:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10126
Views: 1785960

Re: U.S. stocks in free fall

Houe wrote:
Fri Dec 21, 2018 2:23 pm
Its becoming quite painful to watch the market... I could do you all a favor and bail.
Please don't. In the last month I've jumped from #410 to #82 in the Boglehead Contest.
:twisted:
by oldcomputerguy
Fri Dec 21, 2018 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Stick with Fidelity or open Vanguard account?
Replies: 34
Views: 1650

Re: Stick with Fidelity or open Vanguard account?

And the Fidelity Zero funds are already proving to track the indexes exactly - for no fees! Back testing shows both the total stock and international stock are spot on. Just curious, when you say the Zero funds are tracking their indices "exactly", which indices are you using for your comparison? I...
by oldcomputerguy
Fri Dec 21, 2018 5:40 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10126
Views: 1785960

Re: U.S. stocks in free fall

But where does the $226 figure come from? The ER on the index fund? They way I got that was to do a hypothetical comparison between their recommended portfolio and a portfolio of Vanguard funds that most closely matched in terms of AA. It was premised on that Vanguard portfolio holding the same dol...
by oldcomputerguy
Thu Dec 20, 2018 6:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10126
Views: 1785960

Re: U.S. stocks in free fall

In support of the Boglehead view, two advisors I allowed to speak with me recently both conceded I could do better with a long-term SP500 index fund (than with them) as long as I can resist the temptation to sell. At least I'll give marks for admitting that. But 1% or better is an expensive way to ...
by oldcomputerguy
Thu Dec 20, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: Anniversary Trip Ideas
Replies: 13
Views: 1036

Re: Anniversary Trip Ideas

I don't know the current status of the USVI, as I recall if you did not have a passport with you then you might need additional paperwork like a birth certificate so it is easier to travel there with a passport even if it is not absolutely required. According to smartertravel.com : Would you like t...
by oldcomputerguy
Thu Dec 20, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: Making Large Purchases with Credit Card and Immediately Paying Off- Bad for Credit Score?
Replies: 44
Views: 3883

Re: Making Large Purchases with Credit Card and Immediately Paying Off- Bad for Credit Score?

pghpens wrote:
Thu Dec 20, 2018 8:27 am
Will this strategy affect my credit score?
I've been using a couple of Fidelity credit cards for all my daily (and recurring monthly) expenses for years now, and pay them off almost immediately. Last time I looked, my credit score was over 800, so I don't think it's hurting me any.
by oldcomputerguy
Thu Dec 20, 2018 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Beta Vanguard APP
Replies: 38
Views: 2656

Re: Beta Vanguard APP

But you’re not missing anything not testing the app at this point. It is useless in its current state. :sharebeer Good to know. Thanks. I must confess that I don't really see a need for a mobile app to access my Vanguard account in the first place. I don't trade that frequently, usually only when (...
by oldcomputerguy
Thu Dec 20, 2018 6:04 am
Forum: Investing - Help with Personal Investments
Topic: Beta Vanguard APP
Replies: 38
Views: 2656

Re: Beta Vanguard APP

I would take the security on an iPhone over a Windows PC. As long as you avoid public wifi for sensitive applications or use a trustworthy VPN, you should be safe. My initial thoughts were along those lines. Then I began seeing instances of my Safari browser on my iPad being hijacked by popups that...
by oldcomputerguy
Wed Dec 19, 2018 9:20 pm
Forum: Investing - Theory, News & General
Topic: Why did you decide to change your asset allocation?
Replies: 45
Views: 1982

Re: Why did you decide to change your asset allocation?

For most of my investing career, I was (through ignorance of investing and blind acceptance of someone else's recommendation) 100% stock in my 401. A few years ago, I discovered Bogleheads and did some serious reading. I changed my AA to 60/40 at that point (better late than never, I guess). I retir...
by oldcomputerguy
Wed Dec 19, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Does carrying a credit card with a very high limit bother you? Say you have credit card for 50k but never spend more
Replies: 71
Views: 3404

Re: Does carrying a credit card with a very high limit bother you? Say you have credit card for 50k but never spend mor

Why would it bother me more to have a card with a $50k limit than one with a $10k limit? In either case, I'm not about to go running out and maxing the card out, I pay the balance off each month, and my monthly spend is nowhere near $10k, much less $50k. If you mean, am I worried that I might be tem...
by oldcomputerguy
Wed Dec 19, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: FZROX vs. FXAIX [Fidelity ZERO Total Market Index vs. 500 Index]
Replies: 9
Views: 1042

Re: FZROX vs. FXAIX

FXAIX (S&P500 Index) follows an established index and is mostly large-cap with a small bit of mid-cap at the bottom of the index. FZROX is billed by Fidelity as a "total market" index fund, and according to Morningstar contains the "total-market" proportion of mid- and small-cap stocks, but it foll...
by oldcomputerguy
Wed Dec 19, 2018 6:22 pm
Forum: Investing - Theory, News & General
Topic: Artemis Attack on the Bogleheads
Replies: 80
Views: 9169

Re: Artemis Attack on the Bogleheads

"Will not be enough active managers to stop drunk passive fools like the Bogleheads from running out on the highway and getting run over." So, do I read this right? Is he actually arrogant enough to claim that active managers are keeping passive managers from self-destruction? Please. I don't need ...
by oldcomputerguy
Wed Dec 19, 2018 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: FZROX vs. FXAIX [Fidelity ZERO Total Market Index vs. 500 Index]
Replies: 9
Views: 1042

Re: FZROX vs. FXAIX

Define "better". FXAIX (S&P500 Index) follows an established index and is mostly large-cap with a small bit of mid-cap at the bottom of the index. FZROX is billed by Fidelity as a "total market" index fund, and according to Morningstar contains the "total-market" proportion of mid- and small-cap sto...
by oldcomputerguy
Wed Dec 19, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: FAANG
Replies: 48
Views: 3705

Re: FAANG

They did so well then tanked for reasons beyond me. I didn't sell all of them and they continued to fall. Now they seem like screaming bargains to me, but the rest of the world doesn't agree. I plan to just hold what I've got on the premise that they'll eventually return to their highs over the nex...
by oldcomputerguy
Tue Dec 18, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: can AT&T limit coverage for consumer cellular customers (CC uses AT&T towers)
Replies: 13
Views: 1162

Re: can AT&T limit coverage for consumer cellular customers (CC uses AT&T towers)

Also a several years' satisfied customer of CC (thanks to this board), and only negative (and not AT&T fault) is that CC is not available for international roaming or calls easily. We’re on CC. Recently I had them enable international roaming on my iPhone 6s, it required changing out the “stock” AT...
by oldcomputerguy
Tue Dec 18, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Adult Games / Board Games - Recommendations
Replies: 55
Views: 3572

Re: Adult Games / Board Games - Recommendations

Our Thanksgiving tradition for the past several years has been to gather at my mom's house after lunch and play a game my sister brings over called "Apples to Apples". It's been great fun. This past year, my sister brought similar game called "Relative Insanity". It's like "Apples to Apples", but th...
by oldcomputerguy
Tue Dec 18, 2018 6:56 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10126
Views: 1785960

Re: U.S. stocks in free fall

CNBC allowed one of their respected in-house experts to share his thoughts on the requisite steps to reverse the current unpleasantness: "This is genuine bear market behavior," Cramer argued. "It needs to stop going down before we can get a sustained rebound in the averages." Wait .... they actuall...
by oldcomputerguy
Mon Dec 17, 2018 6:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10126
Views: 1785960

Re: U.S. stocks in free fall

goodenyou wrote:
Mon Dec 17, 2018 5:22 pm
I am definitely tilting... down
Now I know what feels different this time! The market is a pinball machine!!

:twisted:
by oldcomputerguy
Mon Dec 17, 2018 5:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10126
Views: 1785960

Re: U.S. stocks in free fall

Can we officially call this a Bear yet? The official definition of a bear market is 20% down from the highs. Don't think any of the averages are there yet but plenty of individual stocks that are down 20% or more. A correction is defined as being off 10% from the highs. We have definitely hit that....
by oldcomputerguy
Mon Dec 17, 2018 3:54 pm
Forum: Investing - Theory, News & General
Topic: Has anyone adjusted their stock allocation on the dip?
Replies: 71
Views: 5549

Re: Sell Sell Sell!

Golfview wrote:
Mon Dec 17, 2018 3:32 pm
Could the 10 year Bull market be coming to an end?
So what if it is? Why does that mean it's time to panic and sell?
by oldcomputerguy
Mon Dec 17, 2018 2:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10126
Views: 1785960

Re: U.S. stocks in free fall

Since it's getting close to the end of the year - and I have some possible TLH sales - what do Bogleheads think about talking the TLH now versus waiting until the last trading day in case we keep seeing a drop? Trying to wait to see if the market drops more is just pure market timing. If you need t...
by oldcomputerguy
Mon Dec 17, 2018 10:17 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10126
Views: 1785960

Re: U.S. stocks in free fall

Since it's getting close to the end of the year - and I have some possible TLH sales - what do Bogleheads think about talking the TLH now versus waiting until the last trading day in case we keep seeing a drop? Trying to wait to see if the market drops more is just pure market timing. If you need t...
by oldcomputerguy
Mon Dec 17, 2018 6:46 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10126
Views: 1785960

Re: U.S. stocks in free fall

I was just looking at my foreign holdings. Shares I have held over a year and a half are now losses. Interestingly, I bought into Fidelity's FTIPX Total International index fund back in January 2017 (about six months after they opened the fund). The NAV on that date was $10.32, and on the day they ...
by oldcomputerguy
Sun Dec 16, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 186
Views: 19605

Re: Fidelity as a one stop shop

very good Visa card with US Bank that gives you 2% on all transactions that you can deposit back into your account; ATM reimbursement; collision damage waiver on rental cars; Minor correction: the Fidelity Visa credit card is through Elan Financial, while the debit/ATM card is serviced through BNY ...