Search found 13021 matches

by whodidntante
Wed Mar 27, 2024 11:48 am
Forum: Investing - Theory, News & General
Topic: Robinhood 3% IRA Match
Replies: 1542
Views: 119150

Re: Robinhood 3% IRA Match

tj wrote: Wed Mar 27, 2024 11:02 am
whodidntante wrote: Wed Mar 27, 2024 10:52 am
shahhere wrote: Wed Mar 27, 2024 7:28 am
whodidntante wrote: Tue Mar 26, 2024 8:43 pm The new credit card is tempting, but if there's anything left of it, I'll get one in a couple of months. I'm currently being a good boy so I can qualify for a Chase card for the first time in many years.
One feature that caught my eye from the article is the Warranty extension that most cards have done away with......

Shahhere
Yep, the card that it is based on historically had a $7,500 per month spending limit for full points, so I wonder if this new rig has similar limitations. I didn't see it when I perused the T&C. They do say that manufactured spending isn't going to earn points.
But how do they define manufactured spending? 😉
I'll let you know. :P
by whodidntante
Wed Mar 27, 2024 10:52 am
Forum: Investing - Theory, News & General
Topic: Robinhood 3% IRA Match
Replies: 1542
Views: 119150

Re: Robinhood 3% IRA Match

shahhere wrote: Wed Mar 27, 2024 7:28 am
whodidntante wrote: Tue Mar 26, 2024 8:43 pm The new credit card is tempting, but if there's anything left of it, I'll get one in a couple of months. I'm currently being a good boy so I can qualify for a Chase card for the first time in many years.
One feature that caught my eye from the article is the Warranty extension that most cards have done away with......

Shahhere
Yep, the card that it is based on historically had a $7,500 per month spending limit for full points, so I wonder if this new rig has similar limitations. I didn't see it when I perused the T&C. They do say that manufactured spending isn't going to earn points.
by whodidntante
Tue Mar 26, 2024 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Thread on Speed of 2023 Tax Refunds
Replies: 52
Views: 6136

Re: Mega Thread on Speed of 2023 Tax Refunds

After a whole lotta nothing, the IRS made me verify my identity this year before they would begin processing my return. My refund is currently scheduled for the 12th of I'll believe it when I see it. I think it's great of them to save my luck for the poker table. But I can imagine something like this would ruin plans for some nice folks. It's better than convincing them that they paid the wrong person the first time.
by whodidntante
Tue Mar 26, 2024 9:02 pm
Forum: Personal Investments
Topic: Fidelity 401k what to invest in?
Replies: 16
Views: 1187

Re: Fidelity 401k what to invest in?

Asset allocation doesn't matter much with a small portfolio. I might put it all in the S&P 500 fund or all in the ex-USA index fund. The main thing is to max out the 401k and other tax-advantaged accounts every year if you can. A few years of that will add up, and then the fund selection will matter a great deal.
by whodidntante
Tue Mar 26, 2024 8:43 pm
Forum: Investing - Theory, News & General
Topic: Robinhood 3% IRA Match
Replies: 1542
Views: 119150

Re: Robinhood 3% IRA Match

The new credit card is tempting, but if there's anything left of it, I'll get one in a couple of months. I'm currently being a good boy so I can qualify for a Chase card for the first time in many years.
by whodidntante
Tue Mar 26, 2024 8:34 pm
Forum: Forum Issues and Administration
Topic: Blocking Member Posts
Replies: 17
Views: 1679

Re: Blocking Member Posts

Squelch
by whodidntante
Tue Mar 26, 2024 8:24 pm
Forum: Forum Issues and Administration
Topic: Blocking Member Posts
Replies: 17
Views: 1679

Re: Blocking Member Posts

Much like a vanguard mutual fund, phpBB tends to be chosen by rigorous sorting on price.
by whodidntante
Tue Mar 26, 2024 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: How many credit cards do you have
Replies: 89
Views: 4057

Re: How many credit cards do you have

Around 40 that are active.
by whodidntante
Mon Mar 25, 2024 10:30 pm
Forum: Personal Investments
Topic: Those complimentary dinners for retirees by investment advisors
Replies: 137
Views: 10167

Re: Those complimentary dinners for retirees by investment advisors

Wiggums wrote: Mon Mar 25, 2024 8:23 pm Back in the day, people would call your Florida hotel room and offer you a free bag of oranges but you had to listen to a sales pitch for discount tickets of whatnot when you retrieved your gift. I guess the hotel gave out my info.

We subscribe to the same that there’s no such thing as a free lunch. We also don’t do business with people who show up unannounced at our door or cold call us. It’s safer that way.
I'd consider oranges more of a snack than a lunch. Are there free snacks?

The hotel rooms used to have landlines so once you knew the number, you knew it for life. And if you lost Jenny's number you could just ask someone.
by whodidntante
Mon Mar 25, 2024 10:23 pm
Forum: US Chapters
Topic: Dates for 2024 BH Conference?
Replies: 7
Views: 1181

Re: Dates for 2024 BH Conference?

Is the dunk tank still on? 😜
by whodidntante
Sun Mar 24, 2024 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Going Back to Work Numbers
Replies: 18
Views: 2459

Re: Going Back to Work Numbers

I've had employers offer to pick up the tab for my digs. Is that a possible negotiation point for the furnished apartment back East?
by whodidntante
Sun Mar 24, 2024 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: 5% MMF + 2% CC = 7% return?
Replies: 13
Views: 1338

Re: 5% MMF + 2% CC = 7% return?

If you bought the MMF with a 2% cash back card, yes.
by whodidntante
Sun Mar 24, 2024 10:58 am
Forum: Personal Finance (Not Investing)
Topic: What are your "hidden" tax tips?
Replies: 56
Views: 4786

Re: What are your "hidden" tax tips?

I've learned to value realized capital losses highly.
Box spreads and futures are useful in certain tax situations. Either long or short.
Using cheap debt instead of selling a highly appreciated asset.
After-tax 401k contributions/mega backdoor Roth is underused in my opinion.
Tax free rebates from credit card bonuses.
Tax free bonuses from brokerages when counted as IRA earnings.
by whodidntante
Sun Mar 24, 2024 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Can I really really afford a 3 million mortgage?
Replies: 104
Views: 9003

Re: Can I really really afford a 3 million mortgage?

one_speed wrote: Sun Mar 24, 2024 7:18 am
redfan11 wrote: Sat Mar 23, 2024 8:20 pm edits in bold are mine...

Planning on a career move in a few months to a VHCOL area where town homes are 300k. Wife and I are both in medicine but not doctorsand will have combined income of about 80k rising to about 100k in 3 or 4 years and hopefully keeps up with inflation.
If we divide all the numbers by ten, you're in the situation of probably most "regular " people financially.

Question for you is, with income that is 10x regular, why put yourself under the same day to day, month to month financial stress as "most people"?
That's a good point, but I would argue it's worse for OP because the tax bills are going to be awesome whereas a married couple earning 80k would pay very little tax.
by whodidntante
Sun Mar 24, 2024 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Best way to cancel credit cards
Replies: 4
Views: 579

Re: Best way to cancel credit cards

If you have a long credit history and other cards then closing a single card will not matter. If it's your oldest card you might consider changing it to a no fee version.
by whodidntante
Sat Mar 23, 2024 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Family Loan Agreement for Mortgage Tax Implications
Replies: 2
Views: 329

Re: Family Loan Agreement for Mortgage Tax Implications

You can loan money to anyone at 0%. But you still have to pay tax as though you collected interest.
by whodidntante
Sat Mar 23, 2024 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Can I really really afford a 3 million mortgage?
Replies: 104
Views: 9003

Re: Can I really really afford a 3 million mortgage?

You can, but it's not a great idea.
by whodidntante
Sat Mar 23, 2024 7:44 am
Forum: Personal Finance (Not Investing)
Topic: March Bonus & Estimated Taxes - Just Pay for Q1?
Replies: 4
Views: 385

Re: March Bonus & Estimated Taxes - Just Pay for Q1?

You'll avoid a penalty if you pay it all in Q1 although that's suboptimal from a TVM perspective. What I do is pay enough to meet a safe harbor, and then settle up when I file. That might let you hang on to the money for a while. You'd be able to pay it with credit cards to earn bonuses and points, and to use someone else's money for up to 15 months interest free.
by whodidntante
Fri Mar 22, 2024 5:08 pm
Forum: Personal Consumer Issues
Topic: 4-6cyl turbo suv
Replies: 24
Views: 2928

Re: 4-6cyl turbo suv

Keep driving what you have? That's high mileage so to need a water pump and a fan is reasonable.
by whodidntante
Thu Mar 21, 2024 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do you tip hotel staff when checking out?
Replies: 145
Views: 6928

Re: Do you tip hotel staff when checking out?

funyun wrote: Thu Mar 21, 2024 6:22 pm
whodidntante wrote: Thu Mar 21, 2024 6:19 pm
funyun wrote: Thu Mar 21, 2024 6:15 pm Yep, during the stay and when checking out. First, it's the right thing to do. Second, I assume if you tip, there's less chance they'll do vile things to your toiletries. I actually travel with a decoy toothbrush after hearing some horror stories from travel companions.
What?
Yup, just a toothbrush that never enters my mouth but stays on the bathroom counters of hotel rooms. We travel quite a bit, and ugh, the stories we've heard, both from fellow travelers and hotel staff. Nope. Worth carrying around an extra 99 cent toothbrush.
People say things to get attention or to play on fears.
by whodidntante
Thu Mar 21, 2024 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Do you tip hotel staff when checking out?
Replies: 145
Views: 6928

Re: Do you tip hotel staff when checking out?

funyun wrote: Thu Mar 21, 2024 6:15 pm Yep, during the stay and when checking out. First, it's the right thing to do. Second, I assume if you tip, there's less chance they'll do vile things to your toiletries. I actually travel with a decoy toothbrush after hearing some horror stories from travel companions.
What?
by whodidntante
Thu Mar 21, 2024 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Do you tip hotel staff when checking out?
Replies: 145
Views: 6928

Re: Do you tip hotel staff when checking out?

I normally do not bother checking out. Maybe if I'm in the app anyway.
by whodidntante
Wed Mar 20, 2024 10:14 pm
Forum: Personal Investments
Topic: Return in 401k lower than market return for the same fund
Replies: 12
Views: 875

Re: Return in 401k lower than market return

Probably because you didn't invest all of it on January 1 so you didn't get the ytd return.
by whodidntante
Tue Mar 19, 2024 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: IRS slow this year (2024)
Replies: 27
Views: 2913

Re: IRS slow this year (2024)

I sent my janky return complete with sideboards yonder ago. No news yet. The system has broken down. Looks like another audit for your old pal whodidntante, but they'll wait a couple of years before they tell me what they didn't like about my return.
by whodidntante
Tue Mar 19, 2024 12:49 am
Forum: Personal Finance (Not Investing)
Topic: Hospital Bill - Negotiation strategies?
Replies: 136
Views: 8564

Re: Hospital Bill - Negotiation strategies?

Josh5000 wrote: Tue Mar 19, 2024 12:10 am Thank you for sharing your story. This is extremely scary and it happened to us all. ER billing is just nut. This is why I like having checkup at my doctor office, which is actually named in same manner as those urgent care places but it has real doctors and regular clients versus single-visit walk-in patients.

Had anyone been to urgent care places after hours and hit with big bills?
Yep. I fought it, and I won.
by whodidntante
Mon Mar 18, 2024 10:13 pm
Forum: Personal Investments
Topic: Nervous about giving out information
Replies: 36
Views: 3513

Re: Nervous about giving out information

If you don't feel comfortable, don't share. Psuedoanonymous is not the same as anonymous. I have a minority opinion on that. But still, there it is.
by whodidntante
Mon Mar 18, 2024 8:32 pm
Forum: Personal Consumer Issues
Topic: Tour Company - Vietnam
Replies: 11
Views: 1481

Re: Tour Company - Vietnam

DSBH wrote: Mon Mar 18, 2024 8:26 pm If we were to do it again, we’ll probably fly nonstop to London or Paris, stay for a few days, and then fly nonstop to Saigon. Same on the way back, nonstop from Viet Nam to Europe, rest and then nonstop to US if there is a next time.
As someone who once spent an entire month jetlagged, I think your plan is terrible. :P
by whodidntante
Mon Mar 18, 2024 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Hospital Bill - Negotiation strategies?
Replies: 136
Views: 8564

Re: Hospital Bill - Negotiation strategies?

I've negotiated unreasonable bills. I think it's ethical. It's important to know your rights under the law. Medical debt cannot be reported to credit bureaus for six months. So you should not feel pressure to pay right away, regardless of the number of red envelopes they send you. I kind of expect any trip to the ER will cost me two grand. But this is what I would do in broad strokes, if this bill is unreasonable to you. This will take much longer than you think. I would asked for a detailed, itemized bill with CPT codes for each service provided. Challenge anything that is obviously wrong, and ask for a new detailed, itemized bill after they make the corrections. Find out what the negotiated in-network rates are, and make sure they applied...
by whodidntante
Mon Mar 18, 2024 6:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard invites clients to lend securities
Replies: 25
Views: 2472

Re: Vanguard invites clients to lend securities

I predict that Vanguard's FPL program will have the worst securities lending yield of all major brokers, due to the customer profile. :P

But I've had worthwhile results at IBKR and E*Trade.
by whodidntante
Mon Mar 18, 2024 6:16 pm
Forum: Personal Investments
Topic: Lucent Paper 1996 Certificate
Replies: 4
Views: 731

Re: Lucent Paper 1996 Certificate

Lucent merged with Alcatel and the owner at that time would have received shares of Alcatel if they turned in their stock certificates.
https://www.reddit.com/r/investing/comm ... _that_was/
by whodidntante
Mon Mar 18, 2024 5:48 pm
Forum: Investing - Theory, News & General
Topic: Overpaying taxes and ibond purchases
Replies: 2
Views: 363

Re: Overpaying taxes and ibond purchases

You can buy an additional 10k per person electronically. The paper bonds you got from your tax return don't count against your electronic purchase limit.
by whodidntante
Mon Mar 18, 2024 5:46 pm
Forum: Personal Investments
Topic: Can I retire with $1.75M at age 43?
Replies: 169
Views: 12552

Re: Can I retire with $1.75M at age 43?

Yes, you can retire. I ponder doing so myself from time to time. But I don't hate my job. I actually like it and it definitely adds a sense of purpose, though it's definitely too much work. I just think life is short, and not all of my friends are still with us.

I'm more likely to slow down than to retire. I know you said you don't want to work, but could you find something you enjoy that also makes money? You could spend the extra money on lifestyle if you like, or give it away.
by whodidntante
Mon Mar 18, 2024 5:41 pm
Forum: Investing - Theory, News & General
Topic: Any thoughts on sector rotation - March 2024?
Replies: 20
Views: 1170

Re: Any thoughts on sector rotation - March 2024?

Long Tanelorn, short Ferri usually works. :P
by whodidntante
Mon Mar 18, 2024 5:38 pm
Forum: Investing - Theory, News & General
Topic: M1 adding monthly fee for users under $10k assets
Replies: 15
Views: 2328

Re: M1 adding monthly fee for users under $10k assets

tetractys wrote: Sat Mar 16, 2024 12:07 am A change of agreement should warrant a free exit period.
Pretty sure their T&C's will give them the right to change the T&Cs at any time. After all, they wrote it.
by whodidntante
Mon Mar 18, 2024 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: IR deduction for 2023
Replies: 2
Views: 246

Re: IR deduction for 2023

Whenever I disagree with tax software, I export the actual tax forms as PDF and take a look. If I still don't agree, I go in and make corrections.
by whodidntante
Sat Mar 16, 2024 7:19 pm
Forum: Investing - Theory, News & General
Topic: Robinhood 3% IRA Match
Replies: 1542
Views: 119150

Re: Robinhood 3% IRA Match

Confirming today, a day after the transfer of $2k was requested and invested into SGOV, I can (but didn’t) place an order for SGOV for $1k, which was my margin limit that I set. I guess I was too anxious in the first day of the transfer. Glad it worked out! So your entire taxable account now has $2k invested in SGOV, and you plan to invest an additional $1k on margin? I wonder if you will get a margin call when SGOV goes ex-dividend. If you let it ride like that please let us know how it turns out. Read up on the difference between initial margin and maintenance margin to see why your concern is not justified. And the margin call bogeyman is not that bad, even if it happens. There is a great deal of confusion among Bogleheads about margin....
by whodidntante
Sat Mar 16, 2024 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Parents building a new house - how should they pay for it?
Replies: 62
Views: 5091

Re: Parents building a new house - how should they pay for it?

They'd be able to get a HELOC for most of the value of their current home. Possibly a construction loan also. Other than that, they need to sell something. The house would be a tremendous financial strain for someone with their assets and a 50 year runway, but I think they are at an age where burning down one's portfolio to live your dream is reasonable. What else would they do with the money?
by whodidntante
Sat Mar 16, 2024 6:54 pm
Forum: Investing - Theory, News & General
Topic: Theoretically, would VTI be an effective long term retirement investment, even when held in a taxable account ?
Replies: 34
Views: 4297

Re: Theoretically, would VTI be an effective long term retirement investment, even when held in a taxable account ?

Stocks receive favorable tax treatment. Tax drag is an obvious concern, but most dividends are qualified and receive a lower tax rate. What's less obvious is that the dividends that get thrown off each year will eventually be large enough to disqualify you for ACA subsidies, tax-free treatment of LTCG, and certain other benefits of having a low income. But one could argue that's a good thing for society.
by whodidntante
Sat Mar 16, 2024 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: The best game-changing financial advice you ever received (or "discovered")
Replies: 219
Views: 25583

Re: The best game-changing financial advice you ever received (or "discovered")

What really changed the game for me is when my income doubled 3 or 4 times.
by whodidntante
Sat Mar 16, 2024 6:39 pm
Forum: Investing - Theory, News & General
Topic: Anybody heard stories of well "prepared" retirees running out of money?
Replies: 210
Views: 23822

Re: Anybody heard stories of well "prepared" retirees running out of money?

Hyperinflation would do it, I remember reading about folks in Weimar Germany whose life savings were wiped out by it. I guess my first thought is that many formerly rich people have gone broke, although I don't personally know any of them, it is is not difficult to find accounts of it. Recent years in the USA have been a relative golden era, with a booming and somewhat busting tech economy, supremacy and stability of the dollar, and relative peace. But there is no guarantee that will last. It certainly wasn't preceded by such prosperity. I :shock: at some of the return assumptions used by the FIRE community. My opinion is that some of them are going to get jobs in the future, and find that their earning potential is no longer easily 200 gr...
by whodidntante
Sat Mar 16, 2024 6:24 pm
Forum: Personal Investments
Topic: HCE/mega backdoor Roth risk?
Replies: 37
Views: 6710

Re: HCE/mega backdoor Roth risk?

brew wrote: Sat Mar 16, 2024 1:33 pm
whodidntante wrote: Thu Mar 14, 2024 9:52 pm Take heed, Bogleheads, for March 15th is the deadline for your plan to notify HCEs of a return of contributions. I managed to make two different plans fail testing in 2023. Good luck to y'all.
Well, I guess I made it! No email from the company and no changes or messages online at Vanguard. And if I'm indeed not an HCE, maybe I helped everyone out this year.

Best wishes all!
Gambling gets a bad rap. But sometimes you win! 🍾🥂
by whodidntante
Fri Mar 15, 2024 9:48 am
Forum: Personal Investments
Topic: HCE/mega backdoor Roth risk?
Replies: 37
Views: 6710

Re: HCE/mega backdoor Roth risk?

HCEs are determined after the dealing is done for the year, but some companies will limit contributions for those they reckon will be HCEs. I don't know the answer to your top 20% question but that sounds like a law/accounting/medical firm thing. If your plan is that small you can probably find out who the plan adminstrator is and ask them. Or jam a bunch of money in and see if it comes back next year. :happy
by whodidntante
Fri Mar 15, 2024 9:44 am
Forum: Personal Consumer Issues
Topic: Given Haiti Situation, is Dominican Republic safe?
Replies: 49
Views: 32663

Re: Given Haiti Situation, is Dominican Republic safe?

The state department is conservative, so if they say it's fine, then it's probably at least fine.
by whodidntante
Fri Mar 15, 2024 9:40 am
Forum: US Chapters
Topic: Searching for Lost Contributors
Replies: 544
Views: 140514

Re: Searching for Lost Contributors

AnnetteLouisan wrote: Thu Mar 14, 2024 9:05 pm
Dave55 wrote: Thu Mar 14, 2024 7:01 pm
AnnetteLouisan wrote: Thu Mar 14, 2024 6:56 pm
Dave55 wrote: Thu Mar 14, 2024 9:30 am
Stinky wrote: Wed Mar 13, 2024 5:41 am "Petulant" hasn't posted for a couple of months now.

And abuss368 has been missing in action since the end of 2023.
abuss368 our good friend Tony needed a vacation from the forum. He is alive and well.


Dave
Good to hear he’s doing well - no doubt in your car.

IvyGirl hasn’t posted in a bit. I enjoy some of her posts. Would love her take on the latest inflation numbers - from the trenches.
He is not in my car, but he has been using my plane way too much!

Dave
Don’t ya hate when people borrow the plane without asking?
High quality problem. :happy
by whodidntante
Fri Mar 15, 2024 6:27 am
Forum: Personal Investments
Topic: Liquid cash for 5year horizon at 5% apy
Replies: 16
Views: 1646

Re: Liquid cash for 5year horizon at 5% apy

What you want is not possible, due to taxes and inflation.
by whodidntante
Fri Mar 15, 2024 5:47 am
Forum: Personal Finance (Not Investing)
Topic: 2.9% CC and 0.25 ACH fees
Replies: 14
Views: 1510

Re: 2.9% CC and 0.25 ACH fees

A credit card that has a long 0% purchase apr and a bonus would be best.
by whodidntante
Fri Mar 15, 2024 4:47 am
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab cannot overnight a replacement debit card
Replies: 87
Views: 6410

Re: Charles Schwab cannot overnight a replacement debit card

popoki wrote: Thu Mar 14, 2024 3:22 pm [
If your hairdresser only takes cash, that person is probably not reporting income. Why wouldn’t that person take personal check, Venmo, Cash app or something similar?

I recently spent over a week in Canada and never even got any Canadian cash.
Tax evasion is not the only reason for cash transactions. Checks are outmoded and I can't remember the last time I wrote one. The hairdresser might be unbanked, wish to avoid fees, might need the money immediately, or any number of reasons that are none of my business.
by whodidntante
Fri Mar 15, 2024 2:47 am
Forum: Personal Finance (Not Investing)
Topic: Applying for loans in retirement...
Replies: 25
Views: 2786

Re: Applying for loans in retirement...

People who need money but only have assets the don't want to sell typically put those assets up as collateral. Margin loan, HELOC, and whatnot. Margin loans don't require much income. You should have income in the form of dividends and whatnot. Are you trying to borrow a lot? If so, a short box spread might be a good option (wakka wakka).
by whodidntante
Thu Mar 14, 2024 10:01 pm
Forum: Personal Consumer Issues
Topic: Cloud based backup options for sensitive files
Replies: 93
Views: 7920

Re: Cloud based backup options for sensitive files

You can encrypt the files and then back up the encrypted files. Or use one of the backup services that allow you to use "own keys." And don't use their keys. Here's a good test. If no being and no government could recover the information unless you authenticate it, it's secure. The downside of this approach is that if you lose your ability to authenticate it, the information is only recoverable by this guy. https://twitter.com/chucknorris Quantum computers could render many encryption schemes obsolete. So look up how to manage that issue. Later we'll need quantum computers to encrypt our data so it will be safe from other quantum computers. And so on. An order of magnitude higher capacity quantum computer that can be purchased an...