Search found 965 matches

by Ice-9
Mon Aug 24, 2015 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: 2008 all over again...
Replies: 25
Views: 3745

Re: 2008 all over again...

2008? Year and a half? Why do people keep thinking the crash started in 2008 and didn't last very long? October 2007 to March 2013 is a lot longer than a year and a half. It's 5.5 years. Raven, I'm sorry to sound critical and I don't mean to disagree with you in particular. A lot of people think th...
by Ice-9
Wed Jul 22, 2015 12:23 am
Forum: Personal Consumer Issues
Topic: Worst financial book you have read (or will admit you have read)
Replies: 94
Views: 9270

Re: Worst financial book you have read (or will admit you have read)

The worst "financial" book I read has to be Rich Dad, Poor Dad by Robert Kiyasaki. I think I'm +1000 on this one. :happy It's been a long time since I checked it out from the library and read it, but what I remember is this: * Reading it felt about as genuine as a mother-in-law's hug * Ma...
by Ice-9
Tue Jul 14, 2015 11:03 am
Forum: Personal Consumer Issues
Topic: Need 'secure' flash drive(s)
Replies: 15
Views: 1223

Re: Need 'secure' flash drive(s)

VeraCrypt is a TrueCrypt fork that is available now for PC, Mac, and Linux:
https://veracrypt.codeplex.com/

A couple of quick tutorials:
* Beginnner's guide
* Portable mode

There is also another TrueCrypt fork project, CipherShed, but I don't think they have versions available for download yet.
by Ice-9
Tue Jul 07, 2015 12:39 am
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 113
Views: 11966

Re: TIPS - Did you give up?

What is the advantage of TIPS over I bonds? Off the top of my head, better rates and no purchase limits. In terms of the 0% yield for I Bonds compared to a negative yield with TIPS? Are you serious? http://www.treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=re...
by Ice-9
Sat Jul 04, 2015 9:35 am
Forum: Personal Consumer Issues
Topic: Buying a new desktop computer
Replies: 42
Views: 3857

Re: Buying a new desktop computer

I can't think of any reason to buy a desktop computer. Buy a great laptop like a MacBook instead and get a full size keyboard and big monitor to use it at home. The laptop can be used for both mobile and home computing. Desktops are 100% obsolete. Hardly 100%. With a tablet and a cell phone, I pers...
by Ice-9
Fri Jul 03, 2015 10:28 am
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 113
Views: 11966

Re: Did you used to invest in TIPS?

I stopped buying TIPS for a period when I Bonds were a better deal, which from memory I think was around 2011 to 2013 or so, and bought I Bonds instead. Didn't sell existing TIPS though. TIPS are a better deal than I Bonds again, and I'm occasionally buying TIPS again. On what planet are TIPS a bet...
by Ice-9
Tue Jun 30, 2015 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with old I-bond we just found?
Replies: 7
Views: 889

Re: What to do with old I-bond we just found?

Hang on to that one if you can. The real rate is 1.10%, so in most six-month periods where we don't have negative inflation, you'll earn much better than current rates you could get in a risk-free location for that money. The 0% period will pass soon enough. Source for real rate farther down this pa...
by Ice-9
Tue Jun 30, 2015 4:11 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 113
Views: 11966

Re: Did you used to invest in TIPS?

I stopped buying TIPS for a period when I Bonds were a better deal, which from memory I think was around 2011 to 2013 or so, and bought I Bonds instead. Didn't sell existing TIPS though. TIPS are a better deal than I Bonds again, and I'm occasionally buying TIPS again.
by Ice-9
Tue Jun 30, 2015 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: What happens when Admiral Shares drop below $50K?
Replies: 22
Views: 3737

Re: What happens when Admiral Shares drop below $50K?

I think knocking you off Admiral status for dropping below the minimum is something they reserve the right to do, but rarely if ever do. https://personal.vanguard.com/us/content/Funds/FundsVGFundsWhatAreAdmiralSharesJSP.jsp If the balance in an Admiral Shares account drops below the minimum, Vangua...
by Ice-9
Tue Jun 30, 2015 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: What's your net worth break down? What's ideal?
Replies: 44
Views: 6876

Re: What's your net worth break down? What's ideal?

Early 40s. Slightly different depending on what source I use for home value... Using Zillow (lowest estimate of home value) 86% Retirement savings 4% Bank accounts 4% Savings bonds 6% Home equity Using Remax (highest estimate of home value) 78% Retirement savings 3% Bank accounts 4% Savings bonds 15...
by Ice-9
Mon Jun 29, 2015 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: What happens when Admiral Shares drop below $50K?
Replies: 22
Views: 3737

Re: What happens when Admiral Shares drop below $50K?

I think knocking you off Admiral status for dropping below the minimum is something they reserve the right to do, but rarely if ever do. https://personal.vanguard.com/us/content/Funds/FundsVGFundsWhatAreAdmiralSharesJSP.jsp If the balance in an Admiral Shares account drops below the minimum, Vanguar...
by Ice-9
Fri Jun 26, 2015 11:59 am
Forum: Investing - Theory, News & General
Topic: Bogleheads are more aggressive...
Replies: 57
Views: 6705

Re: Bogleheads are more aggressive...

Recent and past polls suggest Boglehead respondents, on average, hold more stocks than many traditional guidelines. For instance, the average is closer to age-15 in bonds, rather than age in bonds (the precise numbers are not important, as long as the general impression is). Interesting topic, but ...
by Ice-9
Fri Jun 26, 2015 11:18 am
Forum: Personal Consumer Issues
Topic: Squirrel nemesis
Replies: 60
Views: 5952

Re: Squirrel nemesis

Militarizing Your Backyard with Python: Computer Vision and the Squirrel Hordes
https://www.youtube.com/watch?v=QPgqfnKG_T4

If you don't care about how he did it and just want to see it in action, skip ahead to 15:45. :D
by Ice-9
Thu Jun 25, 2015 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Discover card 2X cash back
Replies: 21
Views: 3079

Re: Discover card 2X cash back

Thanks for posting, but it's too late I'm afraid. Website says "* New customers only" but I called and gave it a shot anyway, no dice. Me: "Hi, my friend who also has a Discover card told me he called and got 2x cashback for a period." Discover rep: "I'm sorry sir, that offe...
by Ice-9
Wed Jun 24, 2015 4:44 pm
Forum: Personal Consumer Issues
Topic: MacBook Pro Worth the money?
Replies: 79
Views: 9150

Re: MacBook Pro Worth the money?

Not sure what core functionality I'm missing out on by buying music from Amazon instead of iTunes. Works the same, even on the iTunes software. I think I read a David Pogue article or two that there are some cool photo integration things with iCloud, but I wouldn't know what I'm missing or how it co...
by Ice-9
Wed Jun 24, 2015 4:18 pm
Forum: Personal Consumer Issues
Topic: MacBook Pro Worth the money?
Replies: 79
Views: 9150

Re: MacBook Pro Worth the money?

1) You may find it harder to use. If you are used to CTR and ALT shortcuts and switch to Mac - it will take a while to know when to hit Command versus something else. The lack of right click can be frustrating at first - (requiring you to use special keys more often to get to menus, etc.). Good poi...
by Ice-9
Wed Jun 24, 2015 1:55 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 28348

Re: What ratio are you stocks/bonds and how old are you?

42 yrs old and 70% equities / 30% fixed income.

Wife is 44 and slightly more aggressive with whatever the Target Retirement fund gives her.
by Ice-9
Wed Jun 24, 2015 1:50 pm
Forum: Personal Consumer Issues
Topic: MacBook Pro Worth the money?
Replies: 79
Views: 9150

Re: MacBook Pro Worth the money?

It's the $1200 solution to the $300 problem. The main,more important issue is whether you are ok with entering and committing to the mac ecosystem. Once you start using icloud and itunes (especially), and buying the iphone apps, it becomes very difficult to extricate yourself or even do true cross-...
by Ice-9
Tue Jun 23, 2015 5:35 pm
Forum: Personal Consumer Issues
Topic: MacBook Pro Worth the money?
Replies: 79
Views: 9150

Re: MacBook Pro Worth the money?

As others have said, the answer to this question is user preference. For what it's worth, I use Windows, Mac, and Linux all very regularly. I chose Mac for my desktop at home. All things being equal, Mac hardware generally does tend to last. (Not saying other products don't, just that Mac hardware t...
by Ice-9
Wed Jun 17, 2015 5:22 pm
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 155
Views: 14173

Re: LastPass.com Breach

Let's put this to rest. Security starts at 1 hour, specifically mentions the fallacy of using song lyrics at 1:06, and gets into LP security at 1:13 and runs for about 7-8 minutes. https://www.youtube.com/watch?v=r9Q_anb7pwg&app=desktop Thank you for posting this, mhop. Especially the time note...
by Ice-9
Tue Jun 16, 2015 9:53 am
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 155
Views: 14173

Re: LastPass.com Breach

I'm actually a LastPass user, but noted that several KeyPass users in this thread lamented using a cloud service like Dropbox to sync the necessary file to all devices, with some saying the process had no advantage over using a cloud based password service. I can't help but suggest BitTorrent Sync f...
by Ice-9
Mon Jun 08, 2015 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Your Home Equity / Net Worth Ratio?
Replies: 119
Views: 8444

Re: Your Home Equity / Net Worth Ratio?

1. Home Equity / Net Worth Ratio:
Using Zillow's value: 6.2%
Using Trulia's value: 16.0%

2. No.
by Ice-9
Mon Jun 08, 2015 9:05 am
Forum: Investing - Theory, News & General
Topic: TIPS Funds Yielding 6+%
Replies: 30
Views: 2522

Re: TIPS Funds Yielding 6+%

For whatever it's worth, Morningstar is currently reporting the following SEC yields for these TIPS funds... 5.97% FINPX (active Fidelity TIPS fund) 6.44% FSIYX (Fidelity Spartan index TIPS fund) 6.48% TIP (iShares TIPS ETF) -0.02% VAIPX (Vanguard TIPS fund) Apparently, it's not just Fidelity, as iS...
by Ice-9
Fri Jun 05, 2015 10:53 am
Forum: Investing - Theory, News & General
Topic: Calculator that goes beyond 30 years
Replies: 6
Views: 731

Re: Calculator that goes beyond 30 years

I'm eager to try the others that have been posted, but have you already given firecalc a shot? http://firecalc.com/ Enter however many total years on the first page, and be sure to add year you will retire on the Not Retired tab. I've had some fun (and utility) playing with different scenarios on th...
by Ice-9
Fri Jun 05, 2015 10:07 am
Forum: Personal Consumer Issues
Topic: Mint Utility and Security
Replies: 9
Views: 815

Re: Mint Utility and Security

I never gave Mint a try, but I started using Yodlee to track all my financial accounts in 2005 or so, and switched to Personal Capital about a year ago. PC is based on Yodlee back end, but emphasizes investments and has a nicer looking interface. All of the above account aggregators are free, but wi...
by Ice-9
Fri May 08, 2015 10:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Mr. Bogle
Replies: 40
Views: 2970

Re: Happy Birthday Mr. Bogle

Happy Birthday to one of my heroes!
by Ice-9
Fri May 01, 2015 10:10 am
Forum: Investing - Theory, News & General
Topic: Who's Buying I Bonds Now?
Replies: 39
Views: 3583

Re: Who's Buying I Bonds Now?

There appears to be no downside to putting what would have been I-Bond money into a savings account (or six-month CD) and waiting to see what happens November 1st.

Edit to add: jhfenton above beat me to it. :)
by Ice-9
Fri Apr 24, 2015 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: [How do I lead a discussion about saving for retirement?]
Replies: 38
Views: 4532

Re: [How do I lead a discussion about saving for retirement?

OP, whatever you do, be sure to tell your discussion group about the Saver's Credit! http://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Retirement-Topics-Retirement-Savings-Contributions-Credit-(Saver%E2%80%99s-Credit) I don't know why I didn't know about this back when my salary was wit...
by Ice-9
Thu Apr 23, 2015 10:23 am
Forum: Investing - Theory, News & General
Topic: Age in Bonds Poll
Replies: 72
Views: 4602

Re: Age in Bonds Poll

I am approximately age-10 in bonds now, but I plan to stay at the same allocation until it becomes age minus at least 20 or so. Then maybe I'll increase allocation to bonds.
by Ice-9
Wed Mar 18, 2015 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Opening a new credit card AND improving credit score
Replies: 5
Views: 952

Re: Opening a new credit card AND improving credit score

* With the new card, there could be a slight hit from (1) the additional hard inquiry and (2) the slight decrease in your average age of accounts * However, the increase in # of cards and, especially, in the denominator for your utilization ratio from the new card should counter-act that effect enou...
by Ice-9
Wed Mar 04, 2015 5:34 pm
Forum: Personal Consumer Issues
Topic: FREAK: a new SSL/TLS security hole
Replies: 4
Views: 813

Re: FREAK: a new SSL/TLS security hole

Thanks for posting this! I've checked through most of my financial accounts on the Freak Check site the OP posted, and other than American Express they appear to be safe. My safe list includes a few that other Bogleheads might also be users of... TreasuryDirect, Capital One 360, Fidelity, Chase, Dis...
by Ice-9
Wed Mar 04, 2015 4:55 pm
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 70
Views: 6206

Re: Poll: Increasing international equities

I have been 40% international on the equities side for almost ten years. Vanguard moved closer to me, not the other way around. :D +1. Already at 40% and not planning on changing. Just adding my reasoning for 40% international, way back a decade ago: I liked the idea of 50/50 international/domestic...
by Ice-9
Tue Mar 03, 2015 3:05 pm
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 70
Views: 6206

Re: Poll: Increasing international equities

I have been 40% international on the equities side for almost ten years. Vanguard moved closer to me, not the other way around. :D
by Ice-9
Thu Feb 26, 2015 4:24 pm
Forum: Forum Issues and Administration
Topic: Google likes this site
Replies: 19
Views: 1618

Re: Google likes this site

Well, this is just funny...
https://www.google.com/#safe=active&q=% ... is+site%22

For what it's worth, it's not just Google. Duck Duck Go also returned the OP's thread on a search of broad selection munis.
by Ice-9
Thu Feb 26, 2015 2:42 pm
Forum: Investing - Theory, News & General
Topic: TIPS Yield Crash November 2008 - Why?
Replies: 18
Views: 1803

Re: TIPS Yield Crash November 2008 - Why?

Interesting question. I notice 12-month expected inflation dropped from 2.9 in November to 1.7 on December 1st. http://research.stlouisfed.org/fred2/data/MICH.txt Of course,12-month expected inflation dropped nearly as much the month before, and TIPS yields on the OP's chart didn't crash then. It wo...
by Ice-9
Thu Feb 26, 2015 10:09 am
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 235
Views: 27775

Re: International increase in Target Retirement & LifeStrate

This move actually makes the appropriate dated Target Retirement fund for me very close to the asset allocation I came up with several years ago and have been sticking to. If I were starting out at Vanguard now, I'd probably just do the TR fund. However, with my workplace account money at Fidelity a...
by Ice-9
Sun Feb 22, 2015 8:40 am
Forum: Personal Finance (Not Investing)
Topic: How much was your Tax Refund (or amount DUE)
Replies: 110
Views: 8616

Re: How much was your Tax Refund (or amount DUE)

basspond wrote:About (2k). Hard to predict since the final tax laws aren't revealed until December.


+1 on both sentences. I'd been reading all year how PMI wouldn't be deductible in 2014, then in December it suddenly is again.
by Ice-9
Thu Feb 19, 2015 5:37 pm
Forum: Personal Consumer Issues
Topic: Help me find my friend !
Replies: 31
Views: 3626

Re: Help me find my friend !

Quite a few states have a free judiciary case search-by-name website. The person doesn't have to be a criminal for you to find them in such records - they could have gone through a divorce or ended up in traffic court or filed for bankruptcy. Often, there is an address included in these records. Jus...
by Ice-9
Thu Feb 19, 2015 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Credit Score got hit hard
Replies: 41
Views: 4370

Re: Credit Score got hit hard

Nearly the same story as the OP happened to my wife back in 2008. We monitored on CreditKarma (not actual FICO) while paying on time ever since, and if I remember correctly, her score made big bumps upward at the one-year mark, the two-year mark, and then a big bump relatively recently to put her al...
by Ice-9
Thu Feb 12, 2015 5:25 pm
Forum: Investing - Theory, News & General
Topic: PriceStats Index Drops to Level Last Seen in 2008
Replies: 3
Views: 467

Re: PriceStats Index Drops to Level Last Seen in 2008

It would be nice if this somehow leads to a bit of a spike in real yields. I'd never seen the expression "back up the truck" used as much in one place as it was in this forum regarding TIPS in late 2008. :happy
by Ice-9
Fri Feb 06, 2015 12:40 pm
Forum: Personal Consumer Issues
Topic: Paperless Office?
Replies: 55
Views: 3553

Re: Paperless Office?

Toons, that's why I started my post with a disclaimer. :happy

OP also asked "Any suggestions on the best way to go about this?" and I thought the software tip might be helpful.
by Ice-9
Fri Feb 06, 2015 12:31 pm
Forum: Personal Consumer Issues
Topic: Paperless Office?
Replies: 55
Views: 3553

Re: Paperless Office?

OK, these are software tips, not hardware tips, but... 1. Archives of sensitive documents such as tax returns, bank statements, etc. can be saved to encrypted containers using VeraCrypt (a fork of the old TrueCrypt). 2. If you keep one or two big encrypted containers of sensitive documents on your c...
by Ice-9
Wed Feb 04, 2015 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Citibank Double Rewards %1+%1 Credit Card
Replies: 30
Views: 4119

Re: Citibank Double Rewards %1+%1 Credit Card

My wife has had one for the last two months, and it indeed delivers on the 1% on all purchases and then another 1% when you pay. The rewards are well itemized on the statements, and no tricks behind the 1% + 1%. We both also use the 5% seasonal categories with Chase Freedom as you do. She has me bea...
by Ice-9
Tue Feb 03, 2015 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Timing software
Replies: 3
Views: 478

Re: Timing software

This software is about as reliable as they come: http://www.magicmgmt.com/gary/magic8ball/index1.html

(Sorry, couldn't resist.)
by Ice-9
Mon Feb 02, 2015 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: turbotax: foreign bank interest ?
Replies: 15
Views: 1269

Re: turbotax: foreign bank interest ?

And TaxAct says that you have to make out a fake 1099-INT to report interest that wasn't reported on a real one. It requires an override to make an entry directly on Schedule B, even in forms mode. (This is a real problem in NJ with a Health Savings Account, as the interest on that account should n...
by Ice-9
Mon Feb 02, 2015 10:57 am
Forum: Personal Consumer Issues
Topic: TrueCrypt possibly compromised/unsafe to use.
Replies: 65
Views: 9525

Re: TrueCrypt possibly compromised/unsafe to use.

I've started using this fork of TrueCrypt called VeraCrypt: https://veracrypt.codeplex.com/ Apparently the makers of VeraCrypt, IDRIX, got a head start on the CipherShed folks, having started their fork before TrueCrypt even shut down last May to make improvements suggested in the audit. There are M...
by Ice-9
Fri Jan 30, 2015 10:53 am
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 89
Views: 5508

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
Wed Jan 28, 2015 5:23 pm
Forum: Personal Consumer Issues
Topic: Workplace net worth conversations you'd like to avoid?
Replies: 87
Views: 10070

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
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: 3070

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 4:31 pm
Forum: Personal Consumer Issues
Topic: Recommend a clickless mouse
Replies: 33
Views: 2703

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-...

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