Search found 894 matches

Return to advanced search

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: Investing - Help with Personal Investments
Topic: Do you have or recommend a Financial Only PC?
Replies: 17
Views: 458

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: 12
Views: 859

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: 1726

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: 2038

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: 988

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: 1480

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: 62
Views: 4392

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: 64
Views: 3716

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: 9991

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: 563

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: 7215

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: 24
Views: 2873

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: 24
Views: 2873

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: 2873

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: 120
Views: 7885

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: 56713

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: 5525

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: 4786

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: 4786

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: 3792

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: 1021

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: 4453

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: 3245

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: 1372

Re: I/EE Bonds Nov Rates and 2015 401K Limits?

So it's only ~45 days from the Nov 1 I/EE bond date, any educated guesses where rates will land? At the moment, the ten-year TIPS is very similar to the yield it had around the first of May. However, I've noticed CD rates generally have gone up slightly. It will be interesting to see what happens t...
by Ice-9
Wed Sep 17, 2014 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: I/EE Bonds Nov Rates and 2015 401K Limits?
Replies: 30
Views: 4330

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.) Edit to add specifics: Taxable: I-Bonds Roth: REIT index, Total Int'l index 457: S&P 500 index, Total Int'l index, Total Bond Market Index 401: Completion index (Mid/Small), Total Int'l In...
by Ice-9
Mon Sep 15, 2014 1:30 pm
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 56
Views: 5061

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 3:46 pm
 
Forum: Personal Consumer Issues
Topic: What should be Shredded
Replies: 18
Views: 1490

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 1:22 pm
 
Forum: Personal Consumer Issues
Topic: What should be Shredded
Replies: 18
Views: 1490

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 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have a Nest learning thermostat?
Replies: 19
Views: 1689

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 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 68
Views: 2871

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 11:35 am
 
Forum: Investing - Theory, News & General
Topic: I'd buy an S&P 500 index fund in a pinch
Replies: 45
Views: 6077

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 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Protecting one's bank account from PayPal
Replies: 29
Views: 3332

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 2:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can a Boglehead put down 10% on a house?
Replies: 30
Views: 2577

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 2:00 pm
 
Forum: Personal Consumer Issues
Topic: GMail successfully hacked 92% of the time
Replies: 11
Views: 2108

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 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom reward changes in 2016
Replies: 25
Views: 4972

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 7:29 pm
 
Forum: Investing - Theory, News & General
Topic: confused by Suze Orman - Investments category?
Replies: 7
Views: 1335

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 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: confused by Suze Orman - Investments category?
Replies: 7
Views: 1335

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 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15804

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 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tracking Credit Score
Replies: 19
Views: 1308

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 7:06 pm
 
Forum: Personal Consumer Issues
Topic: TrueCrypt possibly compromised/unsafe to use.
Replies: 61
Views: 6589

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 2:59 pm
 
Forum: Personal Consumer Issues
Topic: TrueCrypt possibly compromised/unsafe to use.
Replies: 61
Views: 6589

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 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 6250

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 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 56
Views: 7321

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 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct--just blowing off steam
Replies: 58
Views: 4688

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 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct--just blowing off steam
Replies: 58
Views: 4688

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 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Conservative Assumptions For Retirement Calculators
Replies: 14
Views: 1791

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 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rich Spouse, Poor Spouse [Tax filing apportionment]
Replies: 77
Views: 6073

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 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: Scary Press - It's All in the Assumptions
Replies: 2
Views: 431
Next

Return to advanced search