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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 Online Bank * backed by full faith and credit of US government * money withdrawn will appear in my checking account the next day *...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: 1246

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: 1246

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: 14098

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: 1201

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: 5996

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: 5996

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: 5692

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: 5416

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: 4169

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: 4169

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: 13
Views: 1330

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: 5672

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: 392

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: 2298

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: 2028

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: 2483

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: 7724

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: 2237

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: 8473

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: 1162

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: 1162

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: 1672

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: 4928

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: 47671

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: 1008

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: 5416

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: 5416

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: 5416

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: 5416

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: 5416

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: 949

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: 436

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: 5617

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: 762

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: 527

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: 4881

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: 4881

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: 1802

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: 4138

Re: [Poll] How do you rebalance?

My big rule is rebalancing per Larry Swedroe's 5/25 rule. However, rebalancing is rarely triggered according to that rule because I somewhat rebalance with new contributions each pay period. I set it to whatever asset class needs a boost most, which usually means bonds, and hardly ever trigger my ba...
by Ice-9
Mon Jun 09, 2014 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Poll] How do you rebalance?
Replies: 30
Views: 1725

Re: Bernstein's Four Pillars of Investing for $1.99 on June

When I checked the order details on Amazon, I realized some strange "promotional discount" was applied to my $1.99 order, and I actually only paid $0.86 for my Kindle copy. No idea what that was about, but thanks Dr. Bernstein and Amazon!
by Ice-9
Fri Jun 06, 2014 5:42 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein's Four Pillars of Investing for $1.99 on June 4th!
Replies: 88
Views: 4775

Re: POLL: Do/did you get a match? How much?

Don't know if this counts for the purpose of this thread, but I'm a local government employee with a mandatory 401(a) plan. This plan has the County contributing 8% of my salary and me contributing a mandatory 4%. If employees want to contribute more than that to a tax-deferred workplace account, th...
by Ice-9
Fri Jun 06, 2014 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do/did you get a match? How much?
Replies: 67
Views: 4216

Re: Retirement vs. Non-retirement stash

Using the OP's delineation of retirement/non-retirement as not being penalized for early withdrawals, my ratio is almost 1:2 non-penalized:penalized. Using my own delineation of whether I've mentally allocated money to retirement whether or not it's in a tax-advantaged vs taxable account, my ratio i...
by Ice-9
Thu Jun 05, 2014 12:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement vs. Non-retirement stash
Replies: 37
Views: 2304

Re: Replacement checks?

I'm fairly certain that you can only order checks through the bank that you have the account with....no alternatives. This is actually not the case. In the past, I've ordered checks more cheaply than from my bank via various companies that send catalogs or advertise in the Sunday paper. These days,...
by Ice-9
Wed Jun 04, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: Replacement checks?
Replies: 29
Views: 1620

Re: Two Comma Club!

Woohoo! Congrats!
by Ice-9
Tue Jun 03, 2014 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Two Comma Club!
Replies: 55
Views: 5702

Re: TrueCrypt possibly compromised/unsafe to use.

A little Googling brought me to a few TrueCrypt alternatives that I plan to look into later. In case this list is helpful to anyone else... * Gnu PG - cross-platform (Mac, Windows, Linux), command line with front ends for Mac and PC, with many possible front-ends for Linux of which KGPG seemed to ge...
by Ice-9
Fri May 30, 2014 10:35 am
 
Forum: Personal Consumer Issues
Topic: TrueCrypt possibly compromised/unsafe to use.
Replies: 61
Views: 5996

Re: TrueCrypt possibly compromised/unsafe to use.

I was sad to read this about TrueCrypt, but I'm pretty sure I feel comfortable taking my time coming up with an alternative. I'm not trying to keep the NSA or law enforcement out. My goal with TrueCrypt has simply been to keep any files on my computer with Soc. Sec. # or account numbers safely locke...
by Ice-9
Thu May 29, 2014 10:59 am
 
Forum: Personal Consumer Issues
Topic: TrueCrypt possibly compromised/unsafe to use.
Replies: 61
Views: 5996

Re: Bernstein's Four Pillars of Investing for $1.99 on June

Thanks for posting this. I own the actual bookshelf book, and it's long been one of my favorites, but for $2 I may have to put it on my Kindle too. June 4 happens to be my birthday - great present from a great author. :)
by Ice-9
Thu May 29, 2014 10:48 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein's Four Pillars of Investing for $1.99 on June 4th!
Replies: 88
Views: 4775

Re: 10-Year TIPS Auction Yields Compared to Secondary Market

Thanks for crunching the numbers. I always suspected I was getting a better deal at auction than with secondary market purchases.
by Ice-9
Fri May 23, 2014 4:26 pm
 
Forum: Investing - Theory, News & General
Topic: 10-Year TIPS Auction Yields Compared to Secondary Market
Replies: 2
Views: 391

Re: Staking Tomatoes

We've really liked the folding style tomato cages, similar to this one: https://www.horseloverz.com/product/othergardeningandplants/307983-tomatotrellis.html?sku=5-259029&gdftrk=gdfV27555_a_7c1161_a_7c2883_a_7c5_d_259029&ev_pid=5-259029&ev_ppid=41477300408&ev_adtype=pla&ev_cmpg=S...
by Ice-9
Thu May 22, 2014 4:01 pm
 
Forum: Personal Consumer Issues
Topic: Staking Tomatoes
Replies: 20
Views: 1056
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