Search found 1228 matches

by Ice-9
Fri Feb 16, 2018 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: I Bonds - now or later in the year?
Replies: 7
Views: 973

Re: I Bonds - now or later in the year?

Depends on the reason for purchasing I-Bonds: If... (a) purchasing to hold indefinitely, possibly entire 30 years to maturity, then likely doesn't matter much. The only difference may be the fixed rate, and as others have said, you could split the difference. Perhaps buy 1/4 of your 2018 total befor...
by Ice-9
Tue Feb 06, 2018 5:14 pm
Forum: Investing - Theory, News & General
Topic: Huge afternoon stock drop on 2.5.2018 and stock raise on 2.6.2018 is caused by mutual fund holders
Replies: 46
Views: 6766

Re: Huge afternoon stock drop on 2.5.2018 and stock raise on 2.6.2018 is caused by indexers

It sounds a bit like the OP isn't really putting blame on index investors, but rather, any mutual fund holder who sells when the broad market dips. To the OP, you seem to be excluding two types of index investors in your generalization: (1) Most people on this forum who call themselves Bogleheads wo...
by Ice-9
Fri Feb 02, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Multiple bank accounts - am I crazy?
Replies: 46
Views: 3469

Re: Multiple bank accounts - am I crazy?

You think that's crazy? Hold my beer. :D Back in 2005-6, as there was a lot of competition among online savings accounts, I followed a lot of finance blogs and got into rate chasing for some reason. As vestiges of that era, I have a bunch of accounts that today I use for different purposes. * Presid...
by Ice-9
Thu Feb 01, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 352
Views: 39762

Re: Netflix, Your Current Favorite Show

Hell on Wheels. Five seasons on the building of the Transcontinental Railroad. Great fictional main character among several actual historical figures or characters based on them.
by Ice-9
Tue Jan 23, 2018 6:20 pm
Forum: Investing - Theory, News & General
Topic: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?
Replies: 40
Views: 3651

Re: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?

Like you, I worry that what goes up must come down. But nobody knows nuthin'. I did a small rebalance last week, buying bonds, so I'm pretty close to my target asset allocation and plan to do my best to stay there.
by Ice-9
Mon Jan 22, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: 5GB iCloud storage vs 128GB iPhone
Replies: 16
Views: 1155

Re: 5GB iCloud storage vs 128GB iPhone

For some time now, spanning two phones, we've only used iCloud's 5 Gb for backing up our calendar and contacts and turned off photo backup. No annoying messages for a few years now. Instead we each use OneDrive and pay $2/mo for 50 Gb. We had considered the iCloud plan because it was actually cheape...
by Ice-9
Wed Jan 17, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: TreasuryDirect Account Authorization
Replies: 12
Views: 5728

Re: TreasuryDirect Account Authorization

Maybe one of the big "internet banking is wonderful" fans can tell you about not having a brick and mortar location. LOL! I got the same notification today and I'm going to a BoFA branch as the CU I bank with is 500 miles away. I am one of those "internet banking is wonderful" fans, but I've always...
by Ice-9
Fri Jan 12, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 1319

Re: Storing Important Documents Online

ddurrett896 wrote:
Fri Jan 12, 2018 3:40 pm
Ice-9 wrote:
Fri Jan 12, 2018 3:33 pm
I'm having trouble thinking of circumstances where a printed copy or electronic copy of such documents would be useful?
Traveling out of the country. Potential for all personal belongings to be stolen.
Thanks - Good point.
by Ice-9
Fri Jan 12, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 1319

Re: Storing Important Documents Online

I use VeraCrypt to create a container that I keep in a cloud folder. https://www.veracrypt.fr/en/Home.html However, I keep sensitive docs there like various statements, tax documents, scanned receipts for major work, etc. I'm a little confused why the OP wants to store what I assume would be a PDF s...
by Ice-9
Thu Jan 11, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Withholding Tables
Replies: 88
Views: 11486

Re: IRS announces new withholding tables for 2018

We had significant itemized deductions before, but we're pretty sure we will be taking the standard deduction in 2018. I'm guessing I'm at risk of withholding too little. Need to look at this, thanks for the reminder...
by Ice-9
Mon Jan 08, 2018 11:29 am
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 17754

Re: Buying Real Silver and Gold (Not Bitcoin)

At the end of 2007, Silver quickly rose and hit $22.86 by Feb-2008. What was going on that would make this happen? Was there inflation fears? Because that would fit the Paradigm. But I don't recall inflation fears at that time. I do. Gasoline prices had been going up considerably and a lot of peopl...
by Ice-9
Fri Jan 05, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Sling TV experiences
Replies: 33
Views: 2822

Re: Sling TV experiences

We have enjoyed it. The biggest drawback would be no DVR, but overall I would recommend it. With no contract, it's relatively risk free to give it a try. With the Roku we have Sling, Netflix and Amazon Prime TV on one device and it's pretty seamless. Sling offers a DVR for $5/month but we declined ...
by Ice-9
Fri Jan 05, 2018 12:11 pm
Forum: Investing - Theory, News & General
Topic: The only asset class offering a discount
Replies: 8
Views: 944

Re: The only asset class offering a discount

I keep track of how far my asset allocation is away from target on a spreadsheet and adjust my paycheck contributions to make sure I'm only contributing to asset classes that are below target. For most of the last year, that's had me contributing exclusively to (1) Total Bond Market, (2) TIPS, and (...
by Ice-9
Fri Jan 05, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Sling TV experiences
Replies: 33
Views: 2822

Re: Sling TV experiences

Cut the cord and subscribed to Sling TV more than two years ago. We're very happy with it, and the things we didn't like have improved since then. They now offer the original plan as "Orange" as well as a newer "Blue" plan. We switched to the Blue plan to get all the NBC stations for the Olympics al...
by Ice-9
Thu Dec 28, 2017 12:20 pm
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 17754

Re: Buying Real Silver and Gold (Not Bitcoin)

If paying by check, there are delays for the check to be received, check to clear, then shipping. So probably a week or more, depending on how you pay and what kind of shipping you choose. Two FYIs... First, I always compare before I make a purchase, but for most coins I usually find a better price...
by Ice-9
Thu Dec 28, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: What is the best current account aggregator online?
Replies: 22
Views: 1470

Re: What is the best current account aggregator online?

It should be noted that you *can* use an account aggregator without actually linking to any accounts, but rather choosing to enter each as a manual account. One might choose to do this over creating their own spreadsheet if they (a) liked the presentation on a site like Personal Capital or (b) didn'...
by Ice-9
Thu Dec 28, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 84
Views: 12883

Re: Water Heater Install $1,800!

I didn't read through the entire thread, but I did a control-F search on the word "lining" and got no hits, so I apologize in advance if this was already mentioned. I just replaced my water heater and also was surprised at the high initial estimate - $2100 in my case. All friends and neighbors I spo...
by Ice-9
Thu Dec 28, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Confusion about prepaying property taxes
Replies: 124
Views: 12664

Re: Confusion about prepaying property taxes

Ice9 & Prudence - check out the following site and click on "Pay or View Your Property Tax Bill Online" (in the quick links box on the right). https://www.montgomerycountymd.gov/finance/ You can look up your prior tax bills (if you don't have copies at home) and see the assessed tax period at the t...
by Ice-9
Thu Dec 28, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Confusion about prepaying property taxes
Replies: 124
Views: 12664

Re: Confusion about prepaying property taxes

I live in Montgomery County MD and the county council is allowing us to pre-pay our 2018 county real estate tax in 2017. We file a joint tax return. Until recently we were planning to take the new $24,000 standard deduction when we file the 2017 tax return. But, if we were to pre-pay the real estat...
by Ice-9
Wed Dec 27, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Confusion about prepaying property taxes
Replies: 124
Views: 12664

Re: Confusion about prepaying property taxes

Thanks for posting theta. Unfortunately, I am almost exactly in the situation of Example 2. Thank you for saving me from waiting 45 minutes in line to prepay for nothing! Link if anyone wants to read it directly on the website: https://www.irs.gov/newsroom/irs-advisory-prepaid-real-property-taxes-ma...
by Ice-9
Tue Dec 26, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 50999

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

Until today, my County did not allow pre-payment of property taxes. Then today they announce.... Effective today, Montgomery County will accept the prepayment of 2018 County real property taxes. It will be up to the Internal Revenue Service to determine whether prepayment of 2018 County real propert...
by Ice-9
Tue Dec 26, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: How much have you donated to John C Bogle Center for Financial Literacy?
Replies: 17
Views: 1825

Re: How much have you donated to John C Bogle Center for Financial Literacy?

Generated by you $11.70 as of December 23, 2017 I've donated by check via snail mail a couple of times, but sprinkling on these small amounts with my Amazon purchases is neat! I always go through the link from Bogleheads.org first so the webstite gets its cut, then change the WWW to SMILE in the UR...
by Ice-9
Mon Dec 18, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to "prove" Savings Bond held with Treasury Direct
Replies: 14
Views: 2766

Re: How to "prove" Savings Bond held with Treasury Direct

Waking up this old thread to say we recently used screenshots to successfully verify TD holdings for purposes of verifying net worth for an adoption application. I actually have two Treasury Direct accounts accessible from the same login, for which I took two screenshots: "[MY FULL NAME] A-123456789...
by Ice-9
Mon Dec 18, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: I bonds: Should I put money on I bonds rather than keep them in a savings account
Replies: 26
Views: 3468

Re: I bonds: Should I put money on I bonds rather than keep them in a savings account

I've been with Treasury Direct from the beginning. Yes, they had several years there where they required a "secret decoder card" to log in, but those days are gone. From what I understand, if you ever mess up logging in so much that you get locked out of your account, it's apparently quite the hassl...
by Ice-9
Mon Dec 18, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 17297

Re: Save all this money, what do you splurge on?

* iMac - though I make them last. Current one is seven years old. * new rather than used cars - however, ditto on making them last. Each purchase, I investigate the cost difference with a 3-yr-old used model that seems to be what Bogleheads and other frugal types I look up to call the "sweet spot," ...
by Ice-9
Fri Dec 15, 2017 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: I bonds: Should I put money on I bonds rather than keep them in a savings account
Replies: 26
Views: 3468

Re: I bonds: Should I put money on I bonds rather than keep them in a savings account

Currently, when compared with other relatively safe options, even with the three-month interest penalty before Year Five, I-Bonds seem like a good choice as long as you don't need the money within the next 11 months. (The one-year rule mentioned by the previous poster can be effectively reduced to 1...
by Ice-9
Thu Dec 14, 2017 11:13 am
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 17754

Re: Buying Real Silver and Gold (Not Bitcoin)

I buy occasional silver coins not really as an investment but more as a hobby that has investment-like qualities. It's fun to collect various coins from different countries. If you can order $100 worth at a time, free shipping is available from several online stores at prices that usually beat local...
by Ice-9
Tue Dec 12, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 47
Views: 4025

Re: best cashback credit card ?

whats the best credit card with highest cashback on gas and stores etc currently. i have been using citi double cashback for everything for sometime now but have started looking for something better. i came across penfed credit card with 5% cashback only on gas and was wondering if there is any oth...
by Ice-9
Tue Dec 12, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Year end review with less nerdy spouse
Replies: 72
Views: 8290

Re: Year end review with less nerdy spouse

* Like many who posted above, I am the nerdy, spreadsheet-loving spouse * My wife and I meet in front of the computer once or twice a month to review finances * These meetings involve a very BASIC review so we both can voice opinions and also so she stays familiar with where everything is if somethi...
by Ice-9
Tue Dec 12, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Best solution for digitizing documents?
Replies: 43
Views: 3778

Re: Best solution for digitizing documents?

Bogleheads are a smart bunch, and it makes me feel good to know many of them seem to be maintaining digital file cabinets similar to my own. I can't be doing things too wrong... :happy One thing I'd add is my digital file cabinet of sensitive, financial PDF files, whether scanned or downloaded, is k...
by Ice-9
Thu Dec 07, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: At what age your investments start making more money than you?
Replies: 107
Views: 7782

Re: At what age your investments start making more money than you?

I would bet my salary is not that high ranking among members of this board, so I figured I might have a shot at actually having accomplished this. When I checked, close, but no cigar. For 2016, my investments' value (less contributions) increased by 85.6% of my gross salary. Well, maybe one day... E...
by Ice-9
Thu Dec 07, 2017 12:45 pm
Forum: Investing - Theory, News & General
Topic: Did Capital One 360 Savings raise rates?
Replies: 31
Views: 4098

Re: Did Capital One 360 Savings raise rates?

Just as you described, I see 1% on their website before logging in, and then the old 0.75% in the details. However, if I then click on "View Current Terms & Conditions" from the details, I get a page that includes: Rate Information - The Interest Rate on your account is 0.9954% with an Annual Percen...
by Ice-9
Fri Dec 01, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 5665

Re: How Do You Stay Current With Popular Music?

Back in 2015, I added a bunch of new Pandora stations thanks to this Boglehead thread... https://www.bogleheads.org/forum/viewtopic.php?t=161707 Maybe Petrocelli will start a new thread for 2018? :P Somewhat duplicating what many before me wrote, we get ideas for new artists to listen to from songs ...
by Ice-9
Wed Nov 22, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: How do I sell silver coins?
Replies: 13
Views: 1929

Re: How do I sell silver coins?

An easy online point of reference is APMEX, which will be willing to buy if you have a minimum of $1000 value. Here's their selling instructions: https://www.apmex.com/sell-gold-sell-silver-to-apmex If they're common coins, you may be able to find the price each of the coins you have currently sells...
by Ice-9
Mon Nov 20, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14940

Re: Dave Ramsey says don't use credit cards, even if you pay them off

I haven't read through the entire thread, but.... 1. Long ago, I have heard about studies concluding people spend more with credit cards than with cash, and I believe them. 2. I also believe there may be *some* of this effect in my own spending, although I consider it minimal. I do FEEL the pain aft...
by Ice-9
Mon Nov 20, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Do you record customer service interactions?
Replies: 23
Views: 1378

Re: Do you record customer service interactions?

No, they need to keep notes because they are serving me. Often times, it’s not the same person. Anyway, I don’t need any more reason to be more neurotic. Where would I keep all these notes? I make most calls sitting directly in front of my computer, typing my notes into Notepad or Gedit or similar....
by Ice-9
Fri Nov 17, 2017 12:03 pm
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 98
Views: 5753

Re: Where did you first learn about investing?

1998: Kept hearing from coworkers, "Don't just let your money sit in a bank account. DO SOMETHING with it!" At age 25, had no idea how to go about that, so I asked my bank. <shakes head at my younger self> They were happy to set me up with a taxable account full of redundant large cap domestic funds...
by Ice-9
Tue Oct 31, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Using PersonalCapital, Mint, etc.... - and fraud concerns
Replies: 22
Views: 2319

Re: Using PersonalCapital, Mint, etc.... - and fraud concerns

CAP ONE: “Sharing your Capital One access credentials (with third parties) may represent a breach by you of applicable [agreement or terms and conditions),” it reads. “One of the reasons that Capital One prohibits this type of sharing is that we may not have any information regarding the use of or ...
by Ice-9
Tue Oct 31, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Bi-weekly rebalancing with purchases a bad idea?
Replies: 14
Views: 724

Re: Bi-weekly rebalancing with purchases a bad idea?

Until a few years ago, my portfolio wasn't big enough to warrant doing this. Each paycheck contribution made more of an impact than it does now. It made more sense then to make all my paycheck contributions automatically divide among my index funds according to my asset allocation every other week a...
by Ice-9
Mon Oct 30, 2017 11:34 am
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or Not - Get One? How did you choose?
Replies: 137
Views: 8136

Re: To Avatar or not to Avatar . . how did you choose or not choose?

After not having an avatar for a few years, I added one in 2013 based on reading this thread: https://www.bogleheads.org/forum/viewtopic.php?f=3&t=118611 My username comes from Vonnegut's Cat's Cradle, and when I searched Google Images at the time for something small enough to use as an avatar, this...
by Ice-9
Fri Oct 27, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Ally 12-month CD
Replies: 5
Views: 1436

Re: Ally 12-month CD

It's still October, so there's still a couple more days time to use the I-Bond as an 11-month CD earning 1.76% if you want to go that route.

See the section heading "Buying in October 2017" for more info: http://www.mymoneyblog.com/savings-i-bo ... -rate.html
by Ice-9
Thu Oct 19, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Is Ally Bank's Overdraft Transfer Service unlimited?
Replies: 7
Views: 1343

Re: Is Ally Bank's Overdraft Transfer Service unlimited?

Thank you. Been on the fence about creating accounts at Ally. Think I'll give it a try.
by Ice-9
Thu Oct 19, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Is Ally Bank's Overdraft Transfer Service unlimited?
Replies: 7
Views: 1343

Re: Is Ally Bank's Overdraft Transfer Service unlimited?

It’s easy to safeguard yourself from overdrafts: All you have to do is open an Ally Bank savings account and sign up for Ally Bank’s Overdraft Transfer Service. If your Interest Checking is inadvertently overdrawn at Ally Bank, available funds will be drawn from your linked Money Market Account or ...
by Ice-9
Thu Oct 19, 2017 6:49 am
Forum: Investing - Help with Personal Investments
Topic: Question about Personal Capital
Replies: 18
Views: 1993

Re: Question about Personal Capital

I switched from Yodlee (free, no calls, but not as good website) to Personal Capital four years ago. When I first signed up and they called, I agreed to the phone meeting with their rep out of curiosity of what they'd offer. I generally enjoy reading about other people's portfolios and comparing wit...
by Ice-9
Mon Oct 16, 2017 3:43 pm
Forum: Investing - Theory, News & General
Topic: IBonds - now or wait? [November 2017 rate]
Replies: 40
Views: 6419

Re: New I Bond Variable Rate for November 2017 - 2.48%

For those trying to sneak this in as a sort of 11-month-and-a-couple-days CD, mymoneyblog.com has calculated the effective return after losing the three-month interest penalty would be 1.76%. This beats most 1-yr CDs currently available, so it's a reasonable option right now with no state tax on the...
by Ice-9
Mon Oct 16, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Where to notarize legal zoom documents? Trouble getting witnesses
Replies: 14
Views: 1228

Re: Where to notarize legal zoom documents? Trouble getting witnesses

Last time I needed two witnesses to sign a notarized document, the bank told me that their employees were prohibited from serving as witnesses for liability reason. I did not know about such a service at the UPS stores. How much does the UPS store charge for such a service in your area? We've becom...
by Ice-9
Mon Oct 16, 2017 3:05 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 171
Views: 17337

Re: How does everyone keep track of your portfolio?

Google spreadsheet. Links to all my funds and ETFs so I can see the portfolio value in real time. When I tried this, the site posts "Google Finance is under renovation. As a part of this process, the Portfolios feature won't be available after mid-November 2017. To keep a copy, download your portfo...
by Ice-9
Thu Oct 12, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Pro and cons of the Prime offer by Amazon.......
Replies: 39
Views: 4149

Re: Pro and cons of the Prime offer by Amazon.......

Tried Prime with a free offer many years ago when all it offered was 2-day delivery. I thought it was worth it then and maintained the subscription ever since. We order a lot from Amazon. All the extras have been nice. The music with our Echo device is fun. We mostly use Netflix for streaming, but o...
by Ice-9
Wed Oct 11, 2017 4:20 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate mystery
Replies: 24
Views: 2177

Re: I Bond fixed rate mystery

Maximum was $30K and you could charge them on a credit card. Gill AND, if you bought them at the end of the month you got interest for the entire month. Did the end of month trick change? It was my impression this was still the case. The few I've bought recently I always scheduled for the 28th of t...
by Ice-9
Mon Oct 09, 2017 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Please define "cash"
Replies: 31
Views: 2367

Re: Please define "cash"

I draw the line between cash and bonds as putting vehicles in the cash category when the principal is safe and not influenced by market (in nominal terms, anyway.) 1) green paper kept under the mattress or in a safe? CASH 2) money in a local bank? CASH 3) money market account? CASH 4) short term bon...