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Re: Does Larry Swedroe have a Podcast?

Here are the podcasts on his firm's website:
http://www.investmentadvisornow.com/inv ... dcast.html
by Ice-9
Thu Apr 17, 2014 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does Larry Swedroe have a Podcast?
Replies: 2
Views: 281

Re: Let's compare 2013 effective tax rates

My federal effective tax rate as reported by my tax software (TaxAct) for 2013 was 10.58%. Over the last ten years, it has varied from around 8% (the year I was a first-time homebuyer) to a bit over 14% (before I started contributing significantly to retirement accounts.)
by Ice-9
Wed Apr 16, 2014 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Let's compare 2013 effective tax rates
Replies: 46
Views: 2098

Re: KeePass vs LastPass

Blue Ears: My router password was ugly before using Last Pass as well. I have a feeling that's a nasty hole in a lot of people's security!
by Ice-9
Wed Apr 16, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 97
Views: 5030

Re: What is your net worth

Aw man, I'm just below one of the options. A couple more pay periods with positive returns and I would have been significantly wealthier according to this poll. :D
by Ice-9
Wed Apr 16, 2014 10:20 am
 
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 37
Views: 5264

Re: TaxAct question

I haven't logged in to check, but this page instructing how to print the Sched. D worksheet indicates that if you click Print and then Print Individual Forums, you can then expand the Federal Forms folder and then the Worksheets Folder inside it. http://www.taxact.com/support/1112/schedule-d-tax-wor...
by Ice-9
Tue Apr 15, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: TaxAct question
Replies: 5
Views: 381

Re: Interest Rates

VINNY wrote:
MN Finance wrote:I think interest rates probably have to go up


What needs to happen, inflation?


Not necessarily. Real rates could go up without expected inflation also going up.
by Ice-9
Tue Apr 15, 2014 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Interest Rates
Replies: 4
Views: 511

Re: I saw a "Boglehead" on my flight yesterday!

Vanguard sent me a pen with a USB at the other end last holiday season because I responded to one of their Facebook posts. After reading this thread, I think I'm going to have to take it around with me now just to see if anyone spots it and asks me if I'm a Boglehead. :happy
by Ice-9
Mon Apr 14, 2014 3:19 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 65
Views: 7451

Re: KeePass vs LastPass

If you use this program, make sure to write down ON PAPER every single password it creates, or you will probably be sorry one day. I don't write passwords on paper. But as a safeguard, I do export a CSV of my passwords from LastPass, which I save in an encrypted TrueCrypt container with other sensi...
by Ice-9
Mon Apr 14, 2014 12:02 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 97
Views: 5030

Re: KeePass vs LastPass

I tried LastPass and found it to be terrible. It didn't even work right. Totally buggy. Was prefilling the wrong passwords. If you have 2 accounts on the same website, forgetabout it. This thing chokes and confuses itself, and risks locking you out of both accounts. It also was not able to log me o...
by Ice-9
Mon Apr 14, 2014 10:54 am
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 97
Views: 5030

Re: KeePass vs LastPass

I've just started using LastPass on my PC and like it. It occurs to me that it opens up my financial sites too easily. Suppose I walk away from my computer and leave the browser up. Anyone could get into any financial accounts in that case. So I'm not including financial accounts in my LastPass vau...
by Ice-9
Fri Apr 11, 2014 11:59 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 97
Views: 5030

Re: KeePass vs LastPass

I was having similar indecision as the OP between these two options a few months ago. I decided on LastPass in a close decision. The tie-breakers for me at the time: * I try to only access sensitive accounts from a Linux virtual machine at home. The times I might log in from elsewhere, I'd most like...
by Ice-9
Thu Apr 10, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 97
Views: 5030

Re: I saw a "Boglehead" on my flight yesterday!

Wow, I'm genuinely impressed. I've never seen another Boglehead in the wild!

I may have to look into attending the next conference myself.
by Ice-9
Tue Apr 08, 2014 10:20 am
 
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 65
Views: 7451

Re: Firecalc says I will be 100% successful but ...

When I saw the original post, I immediately thought of the social security setting, but scone beat me to it above. A few tweaks to make firecalc more pessimistic: * Try social security at 77% of what your statement says (as estimated for a couple decades from now in the accompanying text on current ...
by Ice-9
Mon Apr 07, 2014 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Firecalc says I will be 100% successful but ...
Replies: 13
Views: 2219

Re: good excel app for iPad?

In this case, I don't believe the OP was using the trademark name Excel to refer to the generic product category (spreadsheet). Rather, I think its understood (s)he was looking for a worthwhile solution to working with Excel files on the iPad. Not CSV or another format, but XLS/XLSX.
by Ice-9
Mon Mar 31, 2014 4:53 pm
 
Forum: Personal Consumer Issues
Topic: good excel app for iPad?
Replies: 28
Views: 2307

Re: Warning: Stocks Will Collapse by 50% in 2014

My crash alert system is conditional highlighting on my rebalancing spreadsheet. The line for a particular asset class turns red if it drops below my threshold, so I buy more.
by Ice-9
Mon Mar 31, 2014 4:47 pm
 
Forum: Investing - Theory, News & General
Topic: Warning: Stocks Will Collapse by 50% in 2014
Replies: 21
Views: 2801

Re: good excel app for iPad?

Apparently soon Excel proper, along with the rest of MS Office, will be available on the iPad...
http://wtop.com/256/3588854/Microsoft-O ... -this-week
by Ice-9
Tue Mar 25, 2014 5:37 pm
 
Forum: Personal Consumer Issues
Topic: good excel app for iPad?
Replies: 28
Views: 2307

Re: Social Security Statement Now Online?

You can get all the information online now. Does "all the information" include your 2013 earnings? That was the question asked. I can see my 2012 earnings, but my 2013 earnings are "Not yet recorded." Thanks for the responses. Apparently, I only needed to wait a few more days. I...
by Ice-9
Mon Mar 24, 2014 9:33 am
 
Forum: Investing - Theory, News & General
Topic: Social Security Statement Now Online?
Replies: 32
Views: 3453

Re: Are people really selling at the bottom of the market ?

I consider my only real test so far of how I behave in a market downturn to be 2008-9. I had just read some choice literature from the Boglehead reading list at the time and considered myself ready to rebalance in a downturn, thinking of the fallen prices to be "stocks on sale." In Fall of...
by Ice-9
Fri Mar 21, 2014 11:30 am
 
Forum: Investing - Theory, News & General
Topic: Are people really selling at the bottom of the market ?
Replies: 16
Views: 2844

Re: Social Security Statement Now Online?

For those who have requested these statements, about when might 2012 earnings be reflected in the statement? I would like to repeat Alan's question, but of course for when the 2013 earnings might be reflected in the online statement. Am I correct in guessing that they'll be ready sometime soon afte...
by Ice-9
Tue Mar 18, 2014 7:19 pm
 
Forum: Investing - Theory, News & General
Topic: Social Security Statement Now Online?
Replies: 32
Views: 3453

Re: Was frugality a mistake? The downsides of saving too mu

I'm 40 now. From about age 32 until about a year ago, I thought I was behind on retirement savings and saved like crazy. Last year, I was somewhat sad to have to significantly decrease my retirement savings for the year because of a few needed big expenditures for the house and (a happy reason) I ha...
by Ice-9
Sat Mar 15, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: Was frugality a mistake? The downsides of saving too much.
Replies: 115
Views: 8771

Re: Net Worth Calculation

Travellight, On the thread you linked, I think Rodc had the correct explanation: I think to a large extent you and the OP are confusing net worth with investable assets. They are two different things. I answered for investable assets as that seems what the OP wanted, but use the wrong term. http://w...
by Ice-9
Thu Mar 13, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation
Replies: 37
Views: 3535

Re: Net Worth Calculation

ajcp took the words out of my mouth about the car. Yeah, technically you could count it towards net worth, but (1) how do you know what you could really get for your car? and (2) won't you likely need a replacement vehicle if you sell it? I'm lazy and just track account aggregator Yodlee's calculate...
by Ice-9
Thu Mar 13, 2014 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation
Replies: 37
Views: 3535

Re: Favorite gadgets?

* Kindle (assuming e-reader doesn't count as a tablet) - most of my reading nowadays
* bluetooth speaker - wherever I go on my property, I have music. Also use as a smartphone speaker on occasion.
* universal remote - wow, do I love not fumbling around with three remotes
by Ice-9
Wed Mar 12, 2014 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Favorite gadgets?
Replies: 28
Views: 1518

Re: best tips for passwords?

I agree. I only remember my password manager password, Amazon, one bank, my web emails, Dropbox, various forums, and maybe one or two other sites. These, I want to be able to access regularly when I'm away from home. The rest (most of the financial sites) I use a crazy password-manager-generated pas...
by Ice-9
Tue Mar 11, 2014 5:14 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8411

Re: best tips for passwords?

Considered something like this at one point for my Bogleheads password. (Didn't use; obviously, I'm not sharing my real password.) IlaIBfMLwfrw1.4% I learned about I Bonds from Mel Lindauer when fixed rate was 1.4% Not that hard to come up with something that incorporates capital letters and symbols...
by Ice-9
Tue Mar 11, 2014 5:04 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8411

Re: Stopping Junk Mail

A few weeks ago, I discovered the Paper Karma app - available for iOS and Android - through this blog post . In the first two weeks, I submitted five pieces of junk mail using my cell phone camera. Although the app appeared to get two of the sender names wrong, I have to admit I'm not getting any mo...
by Ice-9
Tue Mar 11, 2014 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Stopping Junk Mail
Replies: 17
Views: 1131

Re: Jack Bogle on CNBC

Here is the video on CNBC's website:

Jack Bogle: Risky territory for market
MON 10 MAR 14 | 03:20 PM ET
http://video.cnbc.com/gallery/?video=3000252382&play=1
by Ice-9
Mon Mar 10, 2014 4:31 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle on CNBC
Replies: 7
Views: 1001

Re: Anti-virus for Mac?

I used Macs from maybe 1995 through 2010 with no antivirus software at all and never had any (known) problems with viruses. In 2010, I was required to use anti-virus to be allowed to use my work's VPN. I chose Sophos based on (1) it seemed to get good reviews and (2) it's free. Still no viruses dete...
by Ice-9
Mon Mar 10, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Anti-virus for Mac?
Replies: 80
Views: 3563

Re: Happy fifth birthday! [since the 2008-2009 market crash]

I don't have a quick and easy way to calculate the return of my portfolio by itself, but I may check those numbers later for the fun of it. However, I do keep a Google spreadsheet with monthly entries of my entire net worth (including bank accounts and home equity) and contributions made to net wort...
by Ice-9
Mon Mar 10, 2014 11:52 am
 
Forum: Investing - Theory, News & General
Topic: Happy fifth birthday! [since the 2008-2009 market crash]
Replies: 54
Views: 3342

Re: How much do I need a month?

You should try playing around with http://firecalc.com - be sure to set the Not Retired? tab to retirement in 2047 (when you turn 60) and play around with the amount you contribute each year to see the results over all available years of historical data. You should note that 4% is a pretty pessimist...
by Ice-9
Mon Mar 10, 2014 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: How much do I need a month?
Replies: 9
Views: 941

Re: best tips for passwords?

Curious to know if anyone posting in this thread uses Mint.com or another online account aggregator. The best practices recommended in this thread seem practically incompatible with using such a service. I suspect that most users of these account aggregation services are less sensitive to the risks...
by Ice-9
Fri Mar 07, 2014 5:26 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8411

Re: Vanguard files for active fund ETFs

When I saw the subject of this topic, I immediately thought, "Vanguard's finally making an ETF version of VIPSX," the active TIPS fund.
by Ice-9
Fri Mar 07, 2014 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard files for active fund ETFs
Replies: 21
Views: 1521

Re: Will this affect your Tipping?

I would not frequent an establishment that used this technique. I consider myself a good tipper but I do not like being bullied. I was hoping no one else expressed this sentiment so I could post it. :D But you did, and that's exactly how I feel. I would not be a patron of Molly Moon because of this...
by Ice-9
Wed Mar 05, 2014 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Will this affect your Tipping? [Suggested Tip Amounts]
Replies: 123
Views: 7548

Re: [POLL] What do Bogleheads DRINK?

My other was flavored sparkling water. Great replacement drink for those who have developed a soda habit (myself included.)
by Ice-9
Tue Mar 04, 2014 12:18 pm
 
Forum: Personal Consumer Issues
Topic: [POLL] What do Bogleheads DRINK?
Replies: 72
Views: 3744

Re: best tips for passwords?

Instead, you should use an agent authorization or the appropriate form to grant others access to your account: https://personal.vanguard.com/us/litfulfillment/ELFMainResults?cat=MAFM&subCat1=GACC&subCat2= Thank you for this post, Tadamsmar. My wife and I just set up our agent authorization.
by Ice-9
Mon Mar 03, 2014 10:52 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8411

Re: CPI-U vs. SEC Yield?

Have you considered TIPS?
by Ice-9
Fri Feb 28, 2014 12:28 pm
 
Forum: Investing - Theory, News & General
Topic: CPI-U vs. SEC Yield?
Replies: 4
Views: 359

Re: Should I let a credit card expire?

Good points ajcp!
by Ice-9
Thu Feb 27, 2014 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I let a credit card expire?
Replies: 8
Views: 995

Re: Should I let a credit card expire?

Apparently utilization factors in heavily to your score, and if this is a card you haven't been using at all, that's 6% off the denominator of the utilization percentage with the numerator of that fraction remaining the same. Also, if this card is one of your older cards, it will also affect the ave...
by Ice-9
Wed Feb 26, 2014 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I let a credit card expire?
Replies: 8
Views: 995

Re: what's your number?? (for married couples)

Anything decades before retirement is just an estimation, but here's one possible exercise to help come up with some sort of "number"... 1. Go to http://www.firecalc.com/ which if you're not familiar, is a retirement calculator that shows you how a particular portfolio would have performed...
by Ice-9
Wed Feb 26, 2014 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: what's your number?? (for married couples)
Replies: 70
Views: 6110

Re: VOTE FOR JACK AT CNBC.COM

Just voted, and now he's 16th - Go Jack!
by Ice-9
Tue Feb 25, 2014 1:11 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: VOTE FOR JACK [for 25 who changed business] AT CNBC.COM
Replies: 40
Views: 2031

Re: How long to keep previous years Income tax returns????

Starting in 2000, I would keep a PDF of each return and scans of any paper documents on a CD. For several years, I created a new updated CD each year and destroyed the previous year CD. It's good that you create a new CD every year, otherwise your first CDs would probably be coasters by now. Lots o...
by Ice-9
Tue Feb 25, 2014 9:27 am
 
Forum: Personal Finance (Not Investing)
Topic: How long to keep previous years Income tax returns????
Replies: 43
Views: 2675

Re: Do you tilt? If so, how?

21% of my total portfolio is in S&P 500 index. 14% of my total portfolio is in a completion index (mid/small) very similar to Vanguard's Extended Market Index Fund (VEXMX). I answered in the poll that I have a smaller percentage to mid/small. However, I also have 7% in REIT Index, so if you coun...
by Ice-9
Mon Feb 24, 2014 1:27 pm
 
Forum: Investing - Theory, News & General
Topic: Do you tilt? If so, how?
Replies: 44
Views: 3568

Re: Warning about P2P Lending [Peer-to-Peer]

I invested in Prosper shortly after it opened in 2006 for the duration of its initial period through 2008 that Prosper denizens often call "Prosper 1.0," before the SEC forced a number of changes to the platform. I went into it with the expectation that I'd beat CD returns at the time by a...
by Ice-9
Mon Feb 24, 2014 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: Warning about P2P Lending [Peer-to-Peer]
Replies: 42
Views: 4767

Re: How long to keep previous years Income tax returns????

I have kept all years for the turbotax pdf version on a backup harddrive. Is that where people are storing them? Instead of a backup harddrive, I'm thinking of storing them in the cloud now. either dropbox or google drive. Anyone store them there? just wondering of security if somehow someone got h...
by Ice-9
Sun Feb 23, 2014 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long to keep previous years Income tax returns????
Replies: 43
Views: 2675

Re: How long to keep previous years Income tax returns????

Starting in 2000, I would keep a PDF of each return and scans of any paper documents on a CD. For several years, I created a new updated CD each year and destroyed the previous year CD. Starting a few years ago, instead of dealing with CDs I just save a folder with PDFs and scans for each year in a ...
by Ice-9
Fri Feb 21, 2014 6:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long to keep previous years Income tax returns????
Replies: 43
Views: 2675

Re: Using Windows XP after 4/8 voids Vg's reimbursement pled

I don't think it's too much for Vanguard to require you to upgrade your OS when needed, especially an old granddaddy of an OS like XP that's been around more than a decade. Be glad you don't have to upgrade as frequently as Linux users. From previous threads, it's clear there are a lot of Linux user...
by Ice-9
Thu Feb 20, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Using Windows XP after 4/8 voids Vg's reimbursement pledge
Replies: 33
Views: 1685

Re: Mint Vs Ibank Vs Quicken for mac

I'm also curious about other options. As I stated several posts above, I've been satisfied using Yodlee 9.x for many years, but worry they may drop it at some point and offer just the newer version. (Which I do not enjoy using.) A lot of folks here are recommending You Need a Budget. Just for clarit...
by Ice-9
Wed Feb 19, 2014 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mint Vs Ibank Vs Quicken for mac
Replies: 40
Views: 5363

Re: Reasons why you're choosing your tax software this year

I've used Turbotax many times in the past, but I just can't justify the price vs TaxAct. My thoughts exactly. For several years, I had been doing my taxes with Vanguard-discounted TurboTax as well as my girlfriend's simpler taxes (at her request) with TaxAct. Every year, I experienced first hand ho...
by Ice-9
Sun Feb 16, 2014 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Reasons why you're choosing your tax software this year
Replies: 39
Views: 1835

Re: best tips for passwords?

I recently started using LastPass after years of using just about the exact method jupiter_man outlined so well above. While that previous method successfully generated complex passwords that I could actually remember, I realized that someone who hacked, say, Adobe's list of customer passwords might...
by Ice-9
Sun Feb 16, 2014 1:56 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8411
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