Search found 1187 matches

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: 889

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: 889

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: 1233

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: 39
Views: 4143

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: 898

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: 104
Views: 5617

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: 3653

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: 1745

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: 1966

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...
by Ice-9
Fri Oct 06, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 4943

Re: Anyone go 100% Ally or another online bank for all banking needs?

I've had both online and brick and mortar (obviously with online presence as well) for more than a decade. I am finding that I visit the b & m bank less and less. The most recent thing that brought me there was my late mother-in-law's final social security check, which was made out to both "Ice-9's ...
by Ice-9
Thu Oct 05, 2017 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 11095

Re: Millionaire Next Door (Thank you Bogleheads)

retire57 wrote:
Thu Oct 05, 2017 3:45 pm
Yay!!! :beer

BTW, folks always refer to "The Millionaire Next Door", but rarely to Dr. Stanley's other researched-based work "Stop Acting Rich". The latter is an even more informative read, IMO.
Congrats to the OP, and thanks for the recommendation to retire57!

:sharebeer
by Ice-9
Tue Oct 03, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6034

Re: Are credit cards rewards worth it?

I actually have been tracking my credit card rewards performance for several years. These numbers are not perfect, because I used monthly statement spending amounts for simplicity, so cards with statement dates earlier in the month include more of December 2015's spending. But in 2016 I earned appro...
by Ice-9
Tue Oct 03, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 179
Views: 11289

Re: Prevent mail theft; sign for USPS Informed Delivery

Thank you, Nicolas, As you wrote, I have not received any email from the USPS today and there is no mail listed in my online account. I will wait for a few days. Victoria Victoria, FYI - When I signed up in August, I hadn't received an email at first either. I actually printed out the screen where ...
by Ice-9
Mon Oct 02, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 179
Views: 11289

Re: Prevent mail theft; sign for USPS Informed Delivery

Heartwood, my experience is the same as yours. My understanding is that my wife (or anybody else who signed up for the service at our address) would get the same scans in their email each morning that I'm currently receiving. No separation by recipient name.
by Ice-9
Mon Oct 02, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 179
Views: 11289

Re: Prevent mail theft; sign for USPS Informed Delivery

Thanks for the post, VictoriaF! I had actually heard about Informed Delivery several weeks ago via the Bogleheads thread bluebolt posted above and had signed up immediately. However, I hadn't even considered a potential security risk of my wife NOT signing up as well. She commented that I was a "gee...
by Ice-9
Mon Oct 02, 2017 1:57 pm
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 47
Views: 4096

Re: So... What bond fund or bond-like instrument do you use?

My fixed income target allocation is split 50/50 between nominal and inflation-indexed bonds. The inflation-indexed portion includes: * FSIYX - Fidelity's TIPS fund * some individual TIPS * some I-Bonds purchased back in 2003 when rates were higher The nominal portion includes: * Some SSgA Total Bon...
by Ice-9
Fri Sep 29, 2017 11:26 pm
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 52
Views: 7422

Re: Alternative to Google Finance?

Yahoo Finance [...] Just list the tickers separated by commas in the URL https://finance.yahoo.com/quotes/vti,vxus,bnd Thank you, Ice-9, for this info! Just in time too: my Google tickers all expired again, like they do every month as I don't like to be signed in all the time; and instead, I just n...
by Ice-9
Fri Sep 29, 2017 2:26 pm
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 52
Views: 7422

Re: Alternative to Google Finance?

Yahoo Finance [...] Just list the tickers separated by commas in the URL https://finance.yahoo.com/quotes/vti,vxus,bnd Thank you, Ice-9, for this info! Just in time too: my Google tickers all expired again, like they do every month as I don't like to be signed in all the time; and instead, I just n...
by Ice-9
Tue Sep 26, 2017 1:50 pm
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 52
Views: 7422

Re: Alternative to Google Finance?

I like Yahoo Finance, it's not too shabby +1 - Yahoo Finance is exactly what I use for my bookmarked equivalent ETFs for my index funds so I can check on intraday performance. Just list the tickers separated by commas in the URL https://finance.yahoo.com/quotes/vti,vxus,bnd For my actual portfolio,...
by Ice-9
Fri Sep 22, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Credit Freeze? One last step I'm taking
Replies: 10
Views: 1333

Re: Credit Freeze? One last step I'm taking

Did the same thing with my freeze information, except instead of FidSafe I used a VeraCrypt encrpted container saved to Dropbox.
by Ice-9
Mon Sep 18, 2017 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 25296

Re: Calling out the not so rich bogleheads

I discovered the predecessor to Bogleheads, the old Vanguard Diehards Forum on Morningstar, at about age 32 when I was in the net worth range the OP listed. It is now more than a decade later. Twice during this time, Bogleheads have set up a really neat Net Worth Survey, and both times I was the ver...
by Ice-9
Mon Sep 18, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze and Insurance quotes etc.
Replies: 6
Views: 578

Re: Credit Freeze and Insurance quotes etc.

In answer to the two posts above... No notice whatsoever. The part of my policy documents that itemizes the annual bill shows some parts with a slight increase (Bodily Injury up $2, Property Damage up $9, etc) and no mention of credit. Had I not seen the Bogleheads post about it and asked my agent, ...
by Ice-9
Mon Sep 18, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: LastPass Issue
Replies: 10
Views: 1084

Re: LastPass Issue

For some reason, LastPass keeps kicking me off. That is, I will be browsing websites, and all of a sudden I notice that LastPass has signed me out. This started several days ago. It’s very frustrating and annoying. Does anyone have any idea why this is happening? Thanks. I use LastPass daily, and I...
by Ice-9
Mon Sep 18, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze and Insurance quotes etc.
Replies: 6
Views: 578

Re: Credit Freeze and Insurance quotes etc.

After reading about the effect on insurance last week, I checked my rates. For three years before I implemented my freeze, my auto rate was the same. After the freeze, it went up $27/year. I contacted my agent, and he said that when they attempt to pull credit and receive a "no hit," it indeed affec...
by Ice-9
Wed Sep 13, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: What is the largest percentage of your total portfolio value that you have exchanged to rebalance?
Replies: 58
Views: 3745

Re: What is the largest percentage of your total portfolio value that you have exchanged to rebalance?

>10% in February or March 2009. I had been 84% equity / 16% fixed income. Man that hurt to do. Edit to add: I am one of those 5/25 people by rule, but that only happens rarely. I check my asset allocation spreadsheet every paycheck and when needed update the allocation of my biweekly contributions s...
by Ice-9
Tue Sep 12, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze affects SSA online account
Replies: 22
Views: 2545

Re: Credit Freeze affects SSA online account

Doesn't make sense to me why they would do that either, but... Prominently on the SSA website right now: Posted September 8, 2017: Although we sometimes use Equifax to help verify your identity when setting up a my Social Security account, Social Security never shares Social Security numbers with Eq...
by Ice-9
Tue Sep 12, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze affects SSA online account
Replies: 22
Views: 2545

Re: Credit Freeze affects SSA online account

I don't believe what you've written is completely correct. Let me offer up why I think that's the case and perhaps what might be going on. I froze my credit with all three agencies a couple of years ago. Since then I've gotten my annual notice to check my SSA account and I've had no problems being ...
by Ice-9
Sat Sep 09, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47113

Re: Equifax customer information leak

Security folks on Twitter are now reporting that the PINS Equifax has generated for its freezes are not random numbers but rather the date and time you requested a freeze. I checked mine from years ago, and it appears to be true. :oops: Thankfully, the PINS Experian, Transunion, and Innova generated...
by Ice-9
Sat Sep 09, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47113

Re: Equifax customer information leak

I tried Trans Union online....It was unable to verify my identify.... Ditto!! And now I'm sitting here with all the pins and other info for each of the credit agencies wondering where to put them where they won't get stolen or lost. I feel less secure than before!! :annoyed I saved PDF files with a...
by Ice-9
Thu Sep 07, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47113

Re: Equifax customer information leak

Ya I wonder what can actually be done about it if so, other than just notifying the credit agencies.....who just got hacked themselves....lol There isn't really a catch to signing up for that is there? Are they going to do a soft pull every day...or? I feel like that doesn't seem totally legit, lik...
by Ice-9
Thu Sep 07, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47113

Re: Equifax customer information leak

Maybe it's time for some of us to start thinking about Lifelock? I feel like this stuff is just going to get worse and worse. I've used nothing but cards for at least a decade and I've never really had an issue until recently. Got hit with a bunch iTunes charges like a lot of people did, just had a...
by Ice-9
Thu Sep 07, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47113

Re: Equifax customer information leak

If you have a Discover Card, their recent offer to monitor the dark web for members' social security numbers sounds good. I already had my credit frozen and recently signed up for the Discover offer. Not sure what action I'd take if Discover notifies me that my SS# is out there, but I guess it's goo...
by Ice-9
Thu Sep 07, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: When doing retirement planning, do you count your spouse's savings?
Replies: 42
Views: 4148

Re: When doing retirement planning, do you count your spouse's savings?

Each year, I run our numbers into Firecalc and save screenshots of the results. I run three scenarios and save three screenshots: Me by myself living to age 100, my wife by herself living to 100, and both of us together living until the younger one of us reaches age 100. Yes, our finances are combin...
by Ice-9
Wed Sep 06, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Scanning Documents for Long Term Storage
Replies: 20
Views: 2108

Re: Scanning Documents for Long Term Storage

I think putting the information on an online depository is a good idea if you encrypt it first. I use Veracrypt an open source program hence open to be inspected by savvy users for shenanigans. +1 for creating an encrypted Veracrypt container in your cloud folder. Straightforward instructions for f...
by Ice-9
Thu Aug 31, 2017 3:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 16996

Re: Is Bogelheads getting less interesting?

I know! I know! We just need another crash to make this forum more interesting again... :twisted: In all seriousness, to this day I'm still thankful this forum helped me keep my head through 2008-9. Of course some of the same basic Bogleheads 101 topics over and over get repetitive, but I'm glad new...
by Ice-9
Thu Aug 31, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Which free software for new (late 2015) iMac
Replies: 23
Views: 1268

Re: Which free software for new (late 2015) iMac

I use Sophos, but only because my work requires it to VPN for telework. Agree about the App Store being the safest bet. However, I do use a short list of things outside of the AppStore. Your software needs may vary. * VeraCrypt * VirtualBox * Libreoffice * A few open source things that are available...
by Ice-9
Wed Aug 30, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation account placement help
Replies: 7
Views: 574

Re: Asset allocation account placement help

Doesn't look bad at all to me. I am curious though - you mentioned putting Total International in taxable to take advantage of the foreign tax credit, but some Total International is also allocated to your Roth while you listed some US Total Stock Index in taxable too. Why not max out as much Total ...
by Ice-9
Wed Aug 30, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct for $13.50
Replies: 41
Views: 3327

Re: TaxAct for $13.50

To all the returning customers saying they didn't receive the email:

I found it. I had to search through my Junk Mail folder for it, because they sent it from a different domain than usual. info@em.taxact.com Mine was sent yesterday afternoon. $13.50
by Ice-9
Thu Aug 24, 2017 4:45 pm
Forum: Personal Consumer Issues
Topic: How do you watch movies? (Theater, online streaming, DVD, etc.)
Replies: 40
Views: 2818

Re: How do you watch movies? (Theater, online streaming, DVD, etc.)

DVD - Just a few days ago, I canceled my Netflix DVD subscription after more than a decade after I realized I had a DVD sitting on our entertainment center since January that I'd been paying $5.29/mo for. So, DVDs would be a rarity, if at all, ever again. Theater - maybe one movie each year at the t...
by Ice-9
Thu Aug 24, 2017 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Stocks On Sale - What do you buy?
Replies: 64
Views: 6074

Re: Stocks On Sale - What do you buy?

Whatever it takes to get my asset allocation back in line. This exactly. I have an asset allocation spreadsheet that tells me how much is needed of each asset class to bring everything to my target allocation. From time to time, I adjust my paycheck contribution percentages accordingly. When there'...
by Ice-9
Thu Aug 24, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Can you "upgrade" credit cards within a company?
Replies: 13
Views: 1406

Re: Can you "upgrade" credit cards within a company?

This is how I got my Citi Doublecash. I had done a no-fee 0% balance transfer offer on a different Citi card years ago that I no longer used. This allowed me to acquire my now preferred general cashback card without having to go through the hassle and small expense of unfreezing my credit.
by Ice-9
Tue Aug 22, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 92
Views: 7036

Re: Crashplan for Home ending service late 2018

Version control -- so I can recover from screw-ups I don't notice for some time AND to defeat ransomware. With CrashPlan I can recover files I deleted or otherwise destroyed months ago. Could someone please post whether Backblaze and/or Carbonite have this particular Crashplan feature listed by Ber...
by Ice-9
Tue Aug 22, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 92
Views: 7036

Re: Crashplan for Home ending service late 2018

My off-site manual step isn't that cumbersome - I usually do it right after I complete my taxes. At worse - I will lose a few months of digital photos and a few months of bank/investment statements - the latter of which can easily be re downloaded. I hate paying extra monthly fees - I realize crash...
by Ice-9
Tue Aug 22, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 92
Views: 7036

Crashplan for Home ending service late 2018

Crashplan is a home backup solution commonly recommended on this forum. They offered several plans, including completely free backing up to a local drive or to a friend's computer. Crashplan announced today that it is ending its home plans in a little over a year and is suggesting its home users try...
by Ice-9
Thu Aug 17, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 179
Views: 11289

Re: Postal Service -- "informed delivery"

If I'd had informed delivery during such an experience, I'd know they were telling the truth even if my neighbor hadn't rescued the envelope. Half a thought here. If you had saved or printed off that image and the mail got lost you would at least have something to show the post office. I say "half"...
by Ice-9
Thu Aug 17, 2017 7:43 am
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 179
Views: 11289

Re: Postal Service -- "informed delivery"

Thanks to the OP for the thread - I signed up yesterday. Like others above, I had to do the in-person verification at the Post Office, likely because I have frozen my credit. (A quick note: For in-person verification, the Post Office expects you to have printed or smartphoned an email from them with...
by Ice-9
Wed Aug 09, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: Do you plan to ditch your laptop in travel soon?
Replies: 52
Views: 4078

Re: Do you plan to ditch your laptop in travel soon?

I need a big screen for work, and have a desktop for that. When my laptop died last year, I almost ordered a new one, but then realized I can satisfy my computing needs either (a) on the desktop, (b) on my tablet, or (c) on my phone. Short travel, I use just my phone, and perhaps a print (yes, I'm s...
by Ice-9
Wed Aug 09, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Best worst and average 20 year gains for different allocations?
Replies: 2
Views: 419

Re: Best worst and average 20 year gains for different allocations?

Have you tried this exercise with Firecalc? 1. Check the box for a spreadsheet on the Investigate tab 2. In the spreadsheet, find the lowest earning scenario Firecalc came up with for the year in which you would turn age 55 3. Run Firecalc again using this number as your portfolio and pretending you...
by Ice-9
Wed Aug 09, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: LastPass not working for me on Firefox
Replies: 25
Views: 2516

Re: LastPass not working for me on Firefox

It seems the latest Firefox update to Version 55 has broken a lot of add-ons today, including LastPass' competitor 1Password. http://forums.mozillazine.org/viewtopic.php?f=38&t=3032387&sid=4815fd2acf367e9c78df9889186b32ab Edit to add: The LastPass extension that is still working on my Linux is on Fi...
by Ice-9
Wed Aug 09, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: LastPass not working for me on Firefox
Replies: 25
Views: 2516

Re: LastPass not working for me on Firefox

My LastPass extension on Firefox on Linux is working as usual, and I'm not sure what to suggest. However, I do notice that you are installing it coincidentally just as Firefox is releasing a new version of the browser, and I wonder if the updating Firefox might somehow interfere with the installatio...