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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 18, 2015 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opening a new credit card AND improving credit score
Replies: 5
Views: 766

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 5:34 pm
 
Forum: Personal Consumer Issues
Topic: FREAK: a new SSL/TLS security hole
Replies: 4
Views: 672

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
Wed Mar 04, 2015 4:55 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 58
Views: 3796

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
Tue Mar 03, 2015 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 58
Views: 3796

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 4:24 pm
 
Forum: Forum Issues and Administration
Topic: Google likes this site
Replies: 19
Views: 1152

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 2:42 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS Yield Crash November 2008 - Why?
Replies: 18
Views: 1476

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
Thu Feb 26, 2015 10:09 am
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 219
Views: 17384

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
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: 7431

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 5:37 pm
 
Forum: Personal Consumer Issues
Topic: Help me find my friend !
Replies: 31
Views: 3305

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 19, 2015 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Score got hit hard
Replies: 41
Views: 3964

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
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: 418

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 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Paperless Office?
Replies: 55
Views: 3196

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
Fri Feb 06, 2015 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Paperless Office?
Replies: 55
Views: 3196

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
Wed Feb 04, 2015 6:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Citibank Double Rewards %1+%1 Credit Card
Replies: 30
Views: 3128

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
Tue Feb 03, 2015 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Timing software
Replies: 3
Views: 415

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 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: turbotax: foreign bank interest ?
Replies: 15
Views: 1083

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
Mon Feb 02, 2015 10:57 am
 
Forum: Personal Consumer Issues
Topic: TrueCrypt possibly compromised/unsafe to use.
Replies: 63
Views: 8294

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: 89
Views: 4662

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: 87
Views: 9505

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: 2970

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: 2478

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: 2970

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: 756

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: 1740

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: 8280

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: 2048

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: 625

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: 16
Views: 2117

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: 135
Views: 24063

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: 2500

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: 33
Views: 5756

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: 100
Views: 74225

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: 100
Views: 74225

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: 100
Views: 74225

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: 14711

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: 139
Views: 13203

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: 20388

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: 2975

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: 11521

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: 2480

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: 7505

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: 7505

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: 7505

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: 2975

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: 1867

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: 2126

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: 1019

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: 1606

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: 5936

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: 5172
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