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Re: Mac reliability?

I've never owned a machine running Windows. In the last twenty years, I've owned five Macs. A hard drive failed once, under warranty, and was replaced. Other than that, no problems until the machines were getting long in tooth anyway, about four or five years. My previous iMac that I retired in 2011...
by Ice-9
Fri Jan 30, 2015 10:53 am
 
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 34
Views: 1264

Re: Workplace net worth conversations you'd like to avoid?

Maybe it's best to add "financial advice" to the old adage "never discuss religion, sex or politics at work" . How funny that at a financial advice online forum we are talking about how we shouldn't offer financial advice in real life. :? I think such discussions can be benefici...
by Ice-9
Wed Jan 28, 2015 5:23 pm
 
Forum: Personal Consumer Issues
Topic: Workplace net worth conversations you'd like to avoid?
Replies: 76
Views: 6591

Re: Would maxing a Roth and 401k each year be enough?

I would certainly hope so. I wonder, however, what if you took it from a different angle prior to 30--if one saved the maximum in their 401k and Roth from age 21 (roughly post college) to age 30, and then never saved again, would those early years get you enough by age 67? I'm thinking of our mille...
by Ice-9
Sat Jan 24, 2015 4:55 pm
 
Forum: Investing - Theory, News & General
Topic: Would maxing a Roth and 401k each year be enough?
Replies: 17
Views: 2807

Re: Recommend a clickless mouse

Is the Apple mouse PC compatible? I don't use a Mac. Seems like on the website it's mac only. (Looks fantastic, though!) There's a workaround in this article that seems to let you use it on a PC (I've never personally tried it): http://thetechreviewer.com/tech-tips/configure-apple-magic-mouse-work-...
by Ice-9
Sat Jan 24, 2015 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a clickless mouse
Replies: 33
Views: 2344

Re: Would maxing a Roth and 401k each year be enough?

For what it's worth:

According to Firecalc, even if you had no social security and a 0.11% expense ratio on a 75/25 portfolio, contributing $23500 in current dollars each year for 30 years would have supported someone to age 95 spending $65k a year in 100% of cycles for which Firecalc has history.
by Ice-9
Sat Jan 24, 2015 9:36 am
 
Forum: Investing - Theory, News & General
Topic: Would maxing a Roth and 401k each year be enough?
Replies: 17
Views: 2807

Re: How to calculate % savings

I adapted this to my circumstances from a recent Bogleheads post. I'd give credit to the poster, but I can't seem to locate the original post. [contributions to pre-tax accounts + ((1+ fed tax rate + state tax rate) x (contributions to taxable accounts + contributions to Roth accounts))] / gross sal...
by Ice-9
Thu Jan 22, 2015 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to calculate % savings
Replies: 9
Views: 740

Re: Why are fruits not cheaper in California?

Every time I spend enough time in California to grocery shop, I marvel at how cheap the avocados are. And Kiwi. We pay $$$ for that stuff on the East Coast.
by Ice-9
Tue Jan 20, 2015 5:43 pm
 
Forum: Personal Consumer Issues
Topic: Why are fruits not cheaper in California?
Replies: 28
Views: 1674

Re: Where do you shop for groceries?

I didn't realize how unloyal of a customer I am until trying to come up with an answer to OP's question. There wasn't a poll option that fit. 25% Safeway (only because it's the closest to home) 25% various Asian stores, especially Korean Korner 25% a couple of pricier gourmet stores, especially for ...
by Ice-9
Fri Jan 16, 2015 3:31 pm
 
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 97
Views: 8029

Re: Do you encrypt financial/investment documents on your PC

Seriously? People keep this information unprotected? What a heartache if you lost control of your financial data. All those passwords to change, credit card companies to call, or do you just hope the thief doesn't notice what's on your computer? We have used TrueCrypt for many years but TrueCrypt h...
by Ice-9
Thu Jan 15, 2015 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you encrypt financial/investment documents on your PC?
Replies: 37
Views: 1982

Re: Unclaimed Property/Escheated Funds

Tekno, The Missing Money site is legit, but it's not the one that is asking for your social security number. What Missing Money does is provide a centralized page to search and link with all the various individual state web sites. (I don't think all 50 states participate, but a lot do.) Missing Mone...
by Ice-9
Tue Jan 13, 2015 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Unclaimed Property/Escheated Funds
Replies: 3
Views: 613

Re: Changing Passwords with 2factor authentication

I was looking into the Vanguard 2factor authentication- that is, they text you a code for additional login information (I assume that is what you mean). On the webpage, it says you may have trouble with financial software that downloads account balances. I like to use Quicken for that purpose. Has ...
by Ice-9
Tue Jan 13, 2015 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Changing Passwords with 2factor authentication
Replies: 12
Views: 1429

Re: Net Worth Survey, 2015 Edition

I'd also like to thank you Bobblehead and Bigfoot for keeping this interesting survey going.
by Ice-9
Sat Jan 10, 2015 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 132
Views: 21890

Re: ubunto vs xubuntu vs lubuntu laptop

I can't recommend LXLE enough. Based on Lubuntu, but with the features you may have felt you were missing with pure Lubuntu. I started using it last spring after using Xubuntu for a year and haven't looked back.

http://lxle.net/
by Ice-9
Thu Jan 08, 2015 10:04 pm
 
Forum: Personal Consumer Issues
Topic: ubunto vs xubuntu vs lubuntu laptop
Replies: 21
Views: 2430

Re: make mortgage payment with a credit card?

I have no firsthand experience, but did read a blog article about this topic a couple years ago: http://www.mymoneyblog.com/paying-your-mortgage-with-a-credit-card.html I might have tried it with my own mortgage, except mine is with a smaller firm that is not set up to work with https://www.chargesm...
by Ice-9
Thu Jan 08, 2015 4:23 pm
 
Forum: Personal Consumer Issues
Topic: make mortgage payment with a credit card?
Replies: 32
Views: 3848

Re: How Many Credit Cards do you have?

wasting your life away with paperwork What paperwork? All my non-investment finances are on Quicken. I download the credit card info directly into Quicken, no paper, no typing. I do check the downloaded data against my receipts, but that's the same amount of work for one card or multiples. Actually...
by Ice-9
Wed Jan 07, 2015 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 99
Views: 16266

Re: How Many Credit Cards do you have?

I am not a fan of rotating categories nor am I a fan of annual fees. However, the Quicksilver card requires $2400 in annual spend to recoup the annual fee. Think you'll be able to do that? I never get cards that have an annual fee as policy, and your post sent me worriedly searching the internet to...
by Ice-9
Tue Jan 06, 2015 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 99
Views: 16266

Re: How Many Credit Cards do you have?

After recently taking advantage of a 0% for 12 months on home projects Wells Fargo card so I can pay off our new sewer line over the next year interest free, I shamefully have to say I have nine cards now. I think up to five is reasonable if each serves its individual purpose, and I'll try to whittl...
by Ice-9
Tue Jan 06, 2015 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 99
Views: 16266

Re: [Annual POLL] What was your 2014 return?

According to this calculator:
http://www.mymoneyblog.com/estimate-you ... lator.html

My return was 6.59% this year. 70/30 portfolio with 40% of equity in International.

My wife beat me with her mostly target-date-fund portfolio (less international) with 8.67% return.
by Ice-9
Mon Jan 05, 2015 9:56 pm
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14143

Re: Bogleheads 2015 Hedge Fund Contest

Conventional Failure
"A Needless Approach to Personal Investment"

Long:
Micron Technology MU
D.R. Horton DHI
Delta Airlines DAL

Short:
Green Plains GPRE
Meadowbridge Insurance MIG
Cash America CSH
by Ice-9
Mon Jan 05, 2015 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 112
Views: 9787

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

1728.65
by Ice-9
Mon Jan 05, 2015 9:16 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19743

Re: Mac Users-evernote app

I've recently discovered OneNote as an option as well, as I already had a OneDrive account. I have both OneNote and Evernote desktop applications on my Mac, but use the browser-based versions elsewhere as well. I read a review (can't recall where) that described the difference between using Evernote...
by Ice-9
Fri Dec 26, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: Mac Users-evernote app
Replies: 16
Views: 2487

Re: What % of net worth is your home?

Early 40s in a high cost of living area. Zillow value is 62% of net worth, using my account aggregator's definition of net worth (which includes home equity but does not include present value of future SS like the annual net worth survey on this forum.) Equity (Zillow value minus remaining mortgage)...
by Ice-9
Tue Dec 23, 2014 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: What % of net worth is your home?
Replies: 127
Views: 10987

Re: Smartphone Cases

Whatever case you buy, don't buy it at the Verizon, Sprint, or whatever carrier store. The same case will be $20 - $30 more at such a store than on Amazon. I've gone with Otterbox since 2011 and been happy. My wife likes the Mophie charging case. Both less expensive at Amazon than from the Verizon s...
by Ice-9
Mon Dec 22, 2014 5:13 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone Cases
Replies: 26
Views: 2459

Re: Do you have or recommend a Financial Only PC?

One other thing to note about my financial Linux VM, and I would do the same thing if I had a separate physical computer for finances as well: Everytime I log into the VM, I update the software, the virus protection software, and scan the (small) home directory so just in case something does happen ...
by Ice-9
Mon Dec 22, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: Do you have or recommend a Financial Only PC?
Replies: 84
Views: 7326

Re: Do you have or recommend a Financial Only PC?

I actually go the Linux Virtual Machine route with Virtual Box. Just wanted to add that this installation is also (1) encrypted and (2) my VirtualBox settings are such that things from the guest cannot be copy/pasted to the host. Feel a little more secure with those two things. What distro are you ...
by Ice-9
Mon Dec 22, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Do you have or recommend a Financial Only PC?
Replies: 84
Views: 7326

Re: Do you have or recommend a Financial Only PC?

Three zero cost solutions. (1) Bootable USB flash drive with a non-persistent Linux installation. (2) Dual boot your existing PC with another OS (Linux is free), (3) Install VirtualBox or another free VM software and run Linux in a VM. I actually go the Linux Virtual Machine route with Virtual Box....
by Ice-9
Mon Dec 22, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Do you have or recommend a Financial Only PC?
Replies: 84
Views: 7326

Re: Mac Users-evernote app

Been using it for exactly the purposes you listed since 2011. I made a full view window that I keep open and use two-finger slide over to when I need to take notes.
by Ice-9
Sun Dec 21, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: Mac Users-evernote app
Replies: 16
Views: 2487

Re: [POLL] What Fixed Income Assets Do You Use?

Angst wrote:The only thing missing from your list that I hold is series EE savings bonds.


I second this. I divide my fixed income 50/50 into:

1. Nominal fixed income: can buy Total Bond Market fund, CDs, or EE Bonds
2. Inflation-Indexed fixed income: can buy TIPS fund, individual TIPS, or I Bonds
by Ice-9
Tue Dec 16, 2014 11:11 am
 
Forum: Investing - Theory, News & General
Topic: [POLL] What Fixed Income Assets Do You Use?
Replies: 37
Views: 1816

Re: Are all computer printers now wireless?

Here's the brochure: http://syndicate.sellpoint.net/Syndicate/AcpTrack?acpId=8186&linkId=577674&identifierId=4281&trackType=1001&go=http://assetsw.sellpoint.net/_acp_/472/8186/asset/HL-L2340dw_2_page_brochure.pdf Other documents here: http://support.brother.com/g/b/manualtop.aspx?c=u...
by Ice-9
Mon Dec 15, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: Are all computer printers now wireless?
Replies: 33
Views: 2067

Re: Great Graphic

If you Google "Free image hosting" you'll find a few free services for uploading and hosting your image. Then you can use the resulting URL with the image button on this forum. I've used imageshack.com in the past, and the process was pretty easy. Sounds like a great image. Hope to see it ...
by Ice-9
Mon Dec 15, 2014 11:09 am
 
Forum: Investing - Theory, News & General
Topic: Great Graphic
Replies: 5
Views: 1002

Re: What would you change about your retirement plan at work

Like: * Index funds available for S&P 500, Mid/Small Completion Index, Int'l, and Total Bond Market. My avg ER is 0.10% * self-directed brokerage window available at no cost Need to be fixed? Nothing is a desperate need to be fixed. I get by fine with what's available. Like to see added? * The c...
by Ice-9
Fri Dec 12, 2014 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: What would you change about your retirement plan at work?
Replies: 23
Views: 1583

Re: (Poll) Did you tap into emergency fund in the past 10 ye

Before I became a homeowner four years ago, never tapped it. Two years ago, needed to replace furnace and AC. I tapped Tier 1 of my emergency fund, which is about 2 or 3 months expenses in an online savings account. Replenished it within a few months. I am just now needing to tap Tier 1 of the emerg...
by Ice-9
Thu Dec 11, 2014 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: (Poll) Did you tap into emergency fund in the past 10 years?
Replies: 64
Views: 5771

Re: [Poll] What's Your Tax Prep Strategy?

For several years I simultaneously used TurboTax with the discounted price through Vanguard for my own taxes and the cheaper TaxAct to do my (then) girlfriend's taxes at her request. Now I happily use TaxAct for our MFJ taxes. I stuck with the more expensive option of TurboTax during that earlier ti...
by Ice-9
Tue Dec 02, 2014 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] What's Your Tax Prep Strategy?
Replies: 70
Views: 5029

Re: Why is Dave Ramsey wrong?

http://www.youtube.com/watch?v=iRtFDvGORQk I just watched the YouTube clip, is Dave factually correct? Is the bond market nearly as Volatile as the stock market but with a lower ceiling?? And he made it sound as though the stock and bond markets rise and fall at similar times when he said the graph...
by Ice-9
Mon Dec 01, 2014 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why is Dave Ramsey wrong?
Replies: 73
Views: 10117

Re: 401K review

If this were my workplace plan, depending on the amounts there versus the IRA, I'd take advantage of the two low ER funds - the S&P 500 index and the Total Bond Index - and then try to take care of my international in the IRA. So, I like your plan. Also, I'd ask my HR department if a self-direct...
by Ice-9
Mon Dec 01, 2014 10:54 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K review
Replies: 3
Views: 572

Re: Get up to $30 back per Amex card (Small Business Sat, 11

Thank you Bogleheads for discussing this. I had signed up earlier in the week after AMEX sent an email about the offer, but I had completely forgotten about it. Around 7 pm yesterday (Saturday), I surfed to Bogleheads, and this thread was at the top of the page. I checked for nearby stores on the ma...
by Ice-9
Sun Nov 30, 2014 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 8278

Re: Recommendations for online bank?

Turns out CapitalOne360's Black Friday deals this year are $100 bonus, good for those who sign up before 11:59 pm on Dec 1.
https://home.capitalone360.com/

I'm pretty sure if you sign up for both online checking and savings, that's $200 total bonus. Almost wish I weren't already a customer. :happy
by Ice-9
Fri Nov 28, 2014 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recommendations for online bank?
Replies: 25
Views: 3345

Re: Recommendations for online bank?

I have been with CapitalOne360 (formerly INGDirect) since 2005 and it has been great. Very easy to use, great features, you can link multiple accounts to your checking account for transfers, etc. The rate being paid on savings right now is .75%. I've been using CapitalOne360 (formerly INGDirect) fo...
by Ice-9
Thu Nov 27, 2014 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Recommendations for online bank?
Replies: 25
Views: 3345

Re: Back-up Drive - Local or Cloud? Which?

I do both. As stated by others, redundancy is good for the important stuff. My iMac backs up to local drive using Time Machine. I also have important stuff that I couldn't stand losing in a fire backed up for free to: * 50 Gb (special offer a couple years ago) box.com * 7 Gb Dropbox (after some hoop...
by Ice-9
Mon Nov 24, 2014 6:09 pm
 
Forum: Personal Consumer Issues
Topic: Back-up Drive - Local or Cloud? Which?
Replies: 33
Views: 3679

Re: What percent "Boglehead" are you?

Using the Nisi method, I gave myself an 85. The main place I subtracted points was for the simplicity item. I think my portfolio is easy enough to follow for me, but I've told my wife if anything ever happens to me, she may want to consider rolling everything over to Vanguard and exchanging everythi...
by Ice-9
Mon Nov 24, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 125
Views: 10247

Re: What is your age and AA?

Age 41

Asset Allocation:
70% equities / 30% fixed income

of Equities:
60% domestic / 40% international

of fixed income:
50% nominal (mostly TBM), 50% inflation-indexed
by Ice-9
Mon Nov 10, 2014 2:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is your age and AA?
Replies: 219
Views: 57206

Re: Are you buying I bonds in 2014? And if so, for what role

In 2003, I bought the then-max $30k I-Bonds and designated it as my emergency fund. This I-bond money yields 1.6% real. A few years ago, I realized I couldn't ignore that my emergency fund was handily outperforming the part of my retirement portfolio allocated to inflation-indexed bonds. I have sinc...
by Ice-9
Fri Nov 07, 2014 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are you buying I bonds in 2014? And if so, for what role?
Replies: 46
Views: 5601

Re: Upgraded to OS X 10.10 Yosemite

This article may be relevant to some people visiting this thread:
The Worst Bugs in OS X Yosemite and How to Fix Them

The article even includes potential fixes for the bluetooth speaker problem and Spotlight search issue I mentioned earlier in this thread.
by Ice-9
Thu Oct 30, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: Upgraded to OS X 10.10 Yosemite
Replies: 38
Views: 4843

Re: Upgraded to OS X 10.10 Yosemite

Late 2011 iMac. Updated my iPhone 5S to latest as well. Was hoping to be able to answer my phone with the iMac, but apparently my iMac is just barely too old for that. I can make calls with it though - pretty cool! I also like seeing incoming text messages appear at the upper right as well as on my ...
by Ice-9
Mon Oct 20, 2014 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Upgraded to OS X 10.10 Yosemite
Replies: 38
Views: 4843

Re: Windows XP

For anyone willing to give Linux a try for the first time, I highly recommend LXLE. It's lightweight (based on Lubuntu) and full-featured.
by Ice-9
Sun Oct 19, 2014 11:12 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 64
Views: 3955

Re: Want to Convert Tape and Vinyl to Digital

Three things: 1. A tape deck. (I used an old Sony dual cassette deck.) Or record player. 2. A cord that will audio out from your tape deck and input in the microphone port or, preferably, line-in port of your computer. You will likely need to adjust the audio settings on your computer to start input...
by Ice-9
Mon Oct 13, 2014 9:58 am
 
Forum: Personal Consumer Issues
Topic: Want to Convert Tape and Vinyl to Digital
Replies: 23
Views: 1035

Re: I am surely doing something wrong (FireCalc question)

Can I ask Firecalc users another question. How does Firecalc handle investment expenses? Is there some expense ratio input to cover it, or do you have to include it as part of your spending rate in some way, or what? thanks JW You can input your expense ratio on the "Your Portfolio" tab/p...
by Ice-9
Sat Oct 04, 2014 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: I am surely doing something wrong (FireCalc question)
Replies: 45
Views: 4572

Re: Inflation Bonds - Staying the Course?

Stayed the course. I've only been buying ten-year TIPS because I didn't want the negative real yield of the five-year or the TIPS funds, but I see the five-year recently went positive . (There was also about a year around 2012 in which I only bought 0% I-Bonds because even the ten-year TIPS was nega...
by Ice-9
Thu Sep 18, 2014 4:55 pm
 
Forum: Investing - Theory, News & General
Topic: Inflation Bonds - Staying the Course?
Replies: 43
Views: 3260

Re: Amazon's new e-reader Kindle Voyage

Darn, I had upgraded from the older Kindle to Paperwhite only a few months ago. Shoulda waited!
by Ice-9
Thu Sep 18, 2014 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Amazon's new e-reader Kindle Voyage
Replies: 11
Views: 1382
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