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Re: What's in your tax advantage accounts?

My entire portfolio except for my I-Bonds is in tax-advantaged accounts. (A Roth and two pre-tax accounts.)
by Ice-9
Mon Sep 15, 2014 2:30 pm
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 28
Views: 1355

Re: What should be Shredded

Do you guys shred credit card offers? I ask because they usually come with those checks for cash advances that you can write to yourself. Sometimes I shred them but sometimes I get lazy and just toss them. I mean, they come pretty much daily. Yes. Typically, the credit card offers come with some ge...
by Ice-9
Fri Sep 12, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: What should be Shredded
Replies: 18
Views: 1401

Re: What should be Shredded

mptfan wrote:I avoid this problem by not getting paper statements anymore.


Mptfan beat me to it. :) I love having just downloaded PDF statements saved in an encrypted container, automatically backed up to both an external drive and the cloud.
by Ice-9
Fri Sep 12, 2014 2:22 pm
 
Forum: Personal Consumer Issues
Topic: What should be Shredded
Replies: 18
Views: 1401

Re: Anyone have a Nest learning thermostat?

I was tempted to get the Nest when they first came out a couple of years ago, but then my electric company made me an offer I couldn't refuse. They would come out and install a free programmable (and web-programmable) thermostat if I signed up to get $6/off each summer month for allowing them to cyc...
by Ice-9
Mon Sep 08, 2014 6:28 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have a Nest learning thermostat?
Replies: 19
Views: 1563

Re: Poll: How many own zero/few stocks?

I currently own no individual stocks. I'm all index funds or ETFs on the equity side. Several years ago, I did dabble, albeit only slightly. My roommate at the time daytraded, and when he talked up a big tip on a penny stock, I went in with a VERY small amount, in part just for male bonding and in p...
by Ice-9
Fri Aug 29, 2014 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 68
Views: 2735

Re: I'd buy an S&P 500 index fund in a pinch

Speaking as a "pinched" investor myself, thank you Rick for this article. In a perfect world, Total Stock Market would be available in my retirement plan. But having seen some of the horrible plans people looking for help have posted here with only expensive active funds available, I'm ver...
by Ice-9
Fri Aug 29, 2014 12:35 pm
 
Forum: Investing - Theory, News & General
Topic: I'd buy an S&P 500 index fund in a pinch
Replies: 45
Views: 5647

Re: Protecting one's bank account from PayPal

I'd been living comfortably without Paypal for years, as I use just use a credit card to pay for things that offer PayPal payment, but decided to set up an account before our wedding last year in case people wanted to send gifts that way. I thought I could avoid linking to a bank altogether, because...
by Ice-9
Thu Aug 28, 2014 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Protecting one's bank account from PayPal
Replies: 26
Views: 2329

Re: Can a Boglehead put down 10% on a house?

Other Bogleheads may not think highly of this, but that is what we did, with a plan to pay down aggressively each month to get off the mortgage insurance as quickly as possible. We'll likely hit that mark and get off the MIP in a couple more years. We were FHA under previous rules that were more fav...
by Ice-9
Mon Aug 25, 2014 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can a Boglehead put down 10% on a house?
Replies: 30
Views: 2459

Re: GMail successfully hacked 92% of the time

Videos of the app being used to steal sensitive info: https://sites.google.com/site/uistatein ... tack/demos
(includes what permissions are needed for the attack to work)
by Ice-9
Mon Aug 25, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: GMail successfully hacked 92% of the time
Replies: 11
Views: 2021

Re: Chase Freedom reward changes in 2016

Just wanted to note for the folks who say they'll miss the paper check rewards:

Not only can you redeem your rewards via statement credit, but you can also simply ACH transfer it directly to your bank account. This is BY FAR my preferred method of receiving cashback.
by Ice-9
Sun Aug 24, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom reward changes in 2016
Replies: 25
Views: 3655

Re: confused by Suze Orman - Investments category?

Thanks JamesSFO. I find it so weird that she'd consider my I-Bonds emergency fund an investment, but the same money in an online bank account would be considered liquid. Online Bank * backed by full faith and credit of US government * money withdrawn will appear in my checking account the next day *...
by Ice-9
Mon Aug 04, 2014 8:29 pm
 
Forum: Investing - Theory, News & General
Topic: confused by Suze Orman - Investments category?
Replies: 7
Views: 1268

confused by Suze Orman - Investments category?

I happened to catch a couple episodes of the Suze Orman show for the first time recently. After encountering a few threads here about her show, I thought it might be appropriate to ask fellow Bogleheads if they can clarify something that "didn't compute" with me about her show. Callers to ...
by Ice-9
Mon Aug 04, 2014 5:09 pm
 
Forum: Investing - Theory, News & General
Topic: confused by Suze Orman - Investments category?
Replies: 7
Views: 1268

Re: How Much Did You Lose Today?

That's not a bloodbath. This screenshot depicts the daily % change for my holdings as well as temporary tax-loss harvest holdings on Oct 15, 2008. The months surrounding that date collectively were a bloodbath.

Image
by Ice-9
Fri Aug 01, 2014 4:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15018

Re: Tracking Credit Score

One free copy of your report from each of the three big bureaus each year (so a total of 3/yr) at https://www.annualcreditreport.com/index.action If you want, you can spread out the three throughout the year, such as Experian in January, TransUnion in May, Equifax in October. Other than that, I do e...
by Ice-9
Thu Jul 31, 2014 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tracking Credit Score
Replies: 19
Views: 1215

Re: TrueCrypt possibly compromised/unsafe to use.

Yes, thanks. But what about this site: TCnext | Site dedicated to the next "truecrypt" , which is mentioned at the bottom of Steve Gibson's grc.com page, listed below? LadyGeek, from the blog on your link, it sounds like the same project: https://truecrypt.ch/2014/07/new-name-announced/ T...
by Ice-9
Tue Jul 29, 2014 8:06 pm
 
Forum: Personal Consumer Issues
Topic: TrueCrypt possibly compromised/unsafe to use.
Replies: 61
Views: 6050

Re: TrueCrypt possibly compromised/unsafe to use.

TrueCrypt users may want to keep an eye on this project:
https://ciphershed.org/
by Ice-9
Tue Jul 29, 2014 3:59 pm
 
Forum: Personal Consumer Issues
Topic: TrueCrypt possibly compromised/unsafe to use.
Replies: 61
Views: 6050

Re: POLL: My home is worth less/more in 2014 than in 2007?

We bought our home in 2010. It's up 7.2% since then according to Zillow.

Using Zillow's value for December 2007 and today: Our home is 10.9% less now.

Using Zillow's value for January 2007 and today: Our home is 18.3% less now.
by Ice-9
Mon Jul 28, 2014 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 5823

Re: Anyone here use Personal Capital?

I wonder if the way the terms on Vanguard's and Fidelity's fraud protection are worded also would have conflict with using LastPass to store passwords.
by Ice-9
Mon Jul 28, 2014 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 52
Views: 5546

Re: Treasury Direct--just blowing off steam

Skweegull beat me to posting - I have four linked banks. I started with Treasury Direct during my rate chasing days in 2005-7, and kept adding new banks when better rates were offered. You didn't have to do the signature guarantee at that time. I guess it's possible they may have implemented a two-b...
by Ice-9
Fri Jul 25, 2014 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct--just blowing off steam
Replies: 58
Views: 4218

Re: Treasury Direct--just blowing off steam

Unclaimed matured Savings Bonds can be looked up here: http://www.treasuryhunt.gov/
by Ice-9
Fri Jul 25, 2014 10:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct--just blowing off steam
Replies: 58
Views: 4218

Re: Conservative Assumptions For Retirement Calculators

A good suggestion that I've used ever since I read it in another Bogleheads thread when using Firecalc pertains to the settings under Firecalc's My Portfolio tab. To account for possible underperformance of your upcoming investing years versus the history since 1871 for which Firecalc calculates its...
by Ice-9
Thu Jul 24, 2014 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Conservative Assumptions For Retirement Calculators
Replies: 14
Views: 1711

Re: Rich Spouse, Poor Spouse

We faced this same issue last tax season, as 2013 was our first year married. We decided to spend the entire refund on badly needed new appliances, and will try to put any future refunds to common expenditures as well.
by Ice-9
Thu Jul 24, 2014 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rich Spouse, Poor Spouse [Tax filing apportionment]
Replies: 77
Views: 5730

Re: Scary Press - It's All in the Assumptions

Quite an uninformative piece. The text is short and basically relays one stat to readers: the average IRA contribution of Fidelity account holders. For some reason, it also opines that even the maximum $5500 might not be enough, despite offering no stats on other retirement savings such as 401(k) pl...
by Ice-9
Wed Jul 23, 2014 4:48 pm
 
Forum: Investing - Theory, News & General
Topic: Scary Press - It's All in the Assumptions
Replies: 2
Views: 399

Re: Slice and Dicers -- Plans when you can't manage it anymo

I've pondered a very similar question as the OP. My wife hates dealing with finances, and goes so far as to require I schedule an appointment with her when we need to discuss them. :oops: She's smart, but she's definitely not going to want seven asset classes. I haven't scheduled the appointment wit...
by Ice-9
Wed Jul 23, 2014 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice and Dicers -- Plans when you can't manage it anymore?
Replies: 38
Views: 2322

Re: Understanding I-bonds & TIPS

One obvious difference to note that was not mentioned in the original post is that the real rate for I-Bonds and the various maturities of TIPS will be different. In history so far, the various TIPS maturities usually have had the higher real rate, but that has not always been the case. In some rece...
by Ice-9
Fri Jul 18, 2014 11:52 am
 
Forum: Investing - Theory, News & General
Topic: Understanding I-bonds & TIPS
Replies: 17
Views: 2035

Re: boglehead botanists...is this poison ivy?

A worthwhile site for learning to identify poison ivy via a 55 question quiz - I still get a few wrong even after taking it a few times.
http://birdandmoon.com/poisonivy/

A couple of non-poison ivy plants in that test sort of resembled the OP's photos. Swamp dewberry maybe?
by Ice-9
Tue Jul 15, 2014 5:20 pm
 
Forum: Personal Consumer Issues
Topic: boglehead botanists...is this poison ivy?
Replies: 32
Views: 2490

Re: Life after Windows XP?

I have tried at least ten different Linux distros for my older computers. Hands down the one I have found to be the best is the Lubuntu variant called LXLE. It looks a lot like Windows XP and only uses the long-term stable version of Lubuntu. Very happy with LXLE and highly recommend it for those w...
by Ice-9
Tue Jul 15, 2014 4:15 pm
 
Forum: Personal Consumer Issues
Topic: Life after Windows XP?
Replies: 119
Views: 7895

Re: [Poll] How often do you re-balance?

I voted that I use bands, but I guess technically you could also say bi-weekly, because all new contributions go to the asset class most in need of a boost, which doesn't change that often. The bands get triggered very, very rarely.
by Ice-9
Mon Jul 14, 2014 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How often do you re-balance?
Replies: 25
Views: 2276

Re: POLL: Walmart vs Amazon

There's not really a Walmart conveniently located to me. The only times in my life that I've been to one have mostly been when we were on vacation somewhere that had one nearby and we, say, forgot to pack a swimsuit for the trip or something. Amazon on the other hand, is my go-to shopping choice. I ...
by Ice-9
Mon Jul 14, 2014 2:55 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8633

Re: Do TIPS protect against increases in Food and Energy.

Daydreaming here... Imagine if, years from now, it would be reasonable for the Treasury to offer various TIPS bonds broken down to indexing the different sectors. TIPS-Food, TIPS-Energy, etc. One could try to approximate their personal inflation with their TIPS holdings. Parents could save for colle...
by Ice-9
Sun Jul 13, 2014 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: Do TIPS protect against increases in Food and Energy.
Replies: 6
Views: 1168

Re: Do TIPS protect against increases in Food and Energy.

People often think that because, when the inflation is announced on the news, they often only quote the "core inflation" figure, and to be accurate the newsperson usually adds in some paraphrase of, "Core Inflation does not include food and energy." However, the CPI-U, to which T...
by Ice-9
Sat Jul 12, 2014 10:44 am
 
Forum: Investing - Theory, News & General
Topic: Do TIPS protect against increases in Food and Energy.
Replies: 6
Views: 1168

Re: Choosing brokered CD's- what should I look at?

I've never bought a CD through a broker before so this could be an important point: If I buy a new-issue CD through a broker (Fidelity) and hold it to maturity I could get back less than the original principle when it matures if rates rise? If you hold to maturity, you will get the original princip...
by Ice-9
Fri Jul 11, 2014 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing brokered CD's- what should I look at?
Replies: 17
Views: 1692

Re: Amazon.com Rewards Visa card from Chase

I've had the Chase Amazon Visa since 2008 as well. I seem to remember my reward was $100, so I'm surprised at the multiple $30 stories from the same year. My memory could be off, but I really don't think it was just $30. I also got double rewards the first few (maybe six?) months, so for a while it ...
by Ice-9
Thu Jul 10, 2014 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amazon.com Rewards Visa card from Chase
Replies: 35
Views: 6607

Re: Boglehead Beer

Recent articles on high fructose corn syrup and caramel color in many big name beers have me a bit more picky about ingredients lately.

The last month, I've been drinking Hoegaarden, Brooklyn Lager, and a new somewhat-hard-to-find favorite Wolaver's Wildflower Wheat.
by Ice-9
Tue Jul 08, 2014 2:56 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 386
Views: 48094

Re: Discover card asking me to update my income

The only times so far that credit card companies have asked me for my income is either when applying for a new card or requesting an increased limit (for the purpose of helping my credit score.) Like others, I've had a Discover card for 20 years.
by Ice-9
Tue Jun 24, 2014 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Discover card asking me to update my income
Replies: 9
Views: 1117

Re: Anyone here use Personal Capital?

Indeed. Their portfolio tools, and the fact that I can add external investments to my Vanguard account, make further tools unnecessary. and... I see that Vanguard offers a Vanguard Portfolio Watch, but it appears you have to enter external holdings manually. Vanguard's Portfolio Watch was what I tr...
by Ice-9
Tue Jun 24, 2014 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 52
Views: 5546

Re: Anyone here use Personal Capital?

I have non-ticker funds as well. I contacted the support at Personal Captial about it. After a brief email exchange with details about the funds (they were obvious where to allocate - an S&P 500 index, a Small/Mid Index, an international index, and a US Bond index), the support staff at Persona...
by Ice-9
Tue Jun 24, 2014 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 52
Views: 5546

Re: Anyone here use Personal Capital?

I looked at PC, didn't work for me, because it can't look inside 401(k) non-ticker funds. I was playing around with different online tools (like Personal Capital, etc), most are no good, because they can't work w/o ticker. Instead what worked for me: - Add external account with Fidelity Full View -...
by Ice-9
Mon Jun 23, 2014 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 52
Views: 5546

Re: Anyone here use Personal Capital?

I have more than 30 accounts, so I really need a service like this. How come you have 30 accounts? Some are various bank accounts from 2006-7 or so when I was rate chasing and new offers kept coming out. I no longer rate chase like that and could ditch some of these, obviously, but I figured no har...
by Ice-9
Mon Jun 23, 2014 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 52
Views: 5546

Re: Anyone here use Personal Capital?

I just tried them a couple months ago after using Yodlee Moneycenter since 2006. I really like the Personal Capital software, which is based on Yodlee but with a nicer interface. I have more than 30 accounts, so I really need a service like this. It's true that not every website connects easily, but...
by Ice-9
Mon Jun 23, 2014 12:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 52
Views: 5546

Re: [Poll] Did you tax loss harvest in the past?

Like other posters, I TLH'ed everything in my taxable accounts in late 2008. I was an "asset class junkie" back then, and trying to recollect the TLH moves I had made makes me feel good about having greatly simplified my portfolio nowadays. * Originally in RPV (large value ETF), TLH'ed int...
by Ice-9
Thu Jun 19, 2014 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Did you tax loss harvest in the past?
Replies: 17
Views: 960

Re: Copying Home Movies to DVD

I realize the OP has found a software that did the trick. Just wanted to add one more free DVD authoring software to this thread:
http://www.dvdstyler.org/en/
by Ice-9
Thu Jun 19, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Copying Home Movies to DVD
Replies: 6
Views: 445

Re: Late starters: what age did you start investing?

Technically, I started at age 25 with mandatory participation in my workplace retirement account and also a small taxable investment. However, (1) I really didn't know what I was doing and (2) wasn't really that interested in learning more. I consider age 32 when I really started investing. I learne...
by Ice-9
Thu Jun 19, 2014 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Late starters: what age did you start investing?
Replies: 73
Views: 5693

Re: Investing communities (websites) to avoid?

Taylor Larimore wrote:acegolfer:

We can begin here:

StockMarketWatch

Best wishes.
Taylor


Perhaps that site has a sense of humor? When I clicked, I was treated to a large banner ad for Vanguard. :D
by Ice-9
Wed Jun 18, 2014 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: Investing communities (websites) to avoid?
Replies: 8
Views: 767

Re: Robo-Advisors

I use Personal Capital's free account aggregator tool and spoke with one of their advisors not long ago. Their plan - investing in ETFs and enough individual stocks to have some diversification - didn't sound like the worst thing you could do with your retirement money. However, they charge in the n...
by Ice-9
Mon Jun 16, 2014 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Robo-Advisors
Replies: 7
Views: 543

Re: White coat investor: you're not as rich as you think you

I think the point that, both during good times and bad times, reversion to the mean is likely to bring your portfolio back to reality is a good one to remember. Yes, it's been made all over this forum and in much of the recommended Boglehead reading, but I like the direct statement here about how on...
by Ice-9
Mon Jun 16, 2014 1:06 pm
 
Forum: Investing - Theory, News & General
Topic: White coat investor: you're not as rich as you think you are
Replies: 21
Views: 4890

Re: White coat investor: you're not as rich as you think you

Great article. I'm tempted to print this quote and post it on my wall: Lots of investors, including many physicians I know, sold out at the market lows of 2008-2009. They looked at their recent losses and compared their balances to how much they used to have and how much they needed in retirement an...
by Ice-9
Mon Jun 16, 2014 10:26 am
 
Forum: Investing - Theory, News & General
Topic: White coat investor: you're not as rich as you think you are
Replies: 21
Views: 4890

Re: Brett Arends's "Perfect Portfolio" Comments?

Most people in my position follow a third approach, and put their investments in a traditional “balanced portfolio” of stock and bond index funds, which conventional wisdom says is safe and guaranteed to do well. But this is where I have another problem. I know the conventional wisdom is full of no...
by Ice-9
Fri Jun 13, 2014 11:14 am
 
Forum: Investing - Theory, News & General
Topic: Brett Arends's "Perfect Portfolio" Comments?
Replies: 24
Views: 1823

Re: Any "Apps" you like?

I try to only do finances on my desktop PC for security reasons. However, I can't resist the ease of depositing checks to my Capital One 360 account with the phone's camera, so I make an exception for their app. My brick and mortar bank has an app without that feature and I haven't bothered to even ...
by Ice-9
Tue Jun 10, 2014 4:27 pm
 
Forum: Personal Consumer Issues
Topic: Any [iPhone] "Apps" you like?
Replies: 50
Views: 4208
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