Search found 1143 matches

by Ice-9
Thu Aug 17, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 88
Views: 4753

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: Postal Service -- "informed delivery"
Replies: 88
Views: 4753

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: 54
Views: 3634

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: 388

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: 1301

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: 1301

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...
by Ice-9
Wed Aug 09, 2017 11:26 am
Forum: Investing - Theory, News & General
Topic: Still Buying As planned Regardless Of The World Situation
Replies: 72
Views: 7597

Re: Still Buying As planned Regardless Of The World Situation

For the past several months, my asset allocation spreadsheet has listed that I'm under my target allocation in REIT index, Total Bond Market Index, and TIPS Index, so that's where all my new money has been going. Total Stock Market is starting to get close to my target allocation, though, so who kno...
by Ice-9
Thu Aug 03, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: LastPass Premium price increasing
Replies: 32
Views: 2784

LastPass Premium price increasing

LastPass is popular on this forum. Their premium product has been $12/year but is now doubling in price. They're also offering a new family plan with 6 logins for $48 per year. I'm curious if these prices still compare favorably with competitors or if any Bogleheads are considering switching their p...
by Ice-9
Wed Aug 02, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: A poll: How much money do you want to retire?
Replies: 270
Views: 21108

Re: A poll: How much money do you need to retire?

I'm posting before reading all the other responses. I'm 44 now. I think I'd like to have about $2 million in 2017 dollars to retire in the vicinity of age 65. For what it's worth, Firecalc puts that number at a 99% success rate for spending approximately what we spend now for 30 years of retirement ...
by Ice-9
Mon Jul 31, 2017 11:10 am
Forum: Investing - Theory, News & General
Topic: Can a TIPS ladder 'fail' ?
Replies: 97
Views: 7009

Re: Can a TIPS ladder 'fail' ?

It has been mentioned several times in this thread that some TIPS currently have a negative real yield. While this certainly has been true in the recent past, I just wanted to note that it has not been true of five-year or longer TIPS issues since April of this year. See https://www.treasury.gov/resource-cente ... =realyield
by Ice-9
Mon Jul 17, 2017 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Basic Question on I bonds
Replies: 11
Views: 1169

Re: Basic Question on I bonds

The purchase date of your bond is the first of the month in which you bought it, and it will change every six months after that. Savings Bond Advisor provides a good explanation: http://savings-bond-advisor.com/series- ... ase-rates/

and.. http://savings-bond-advisor.com/series- ... ate-rules/
by Ice-9
Thu Jul 13, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 9723

Re: Do you count vehicle equity in net worth?

Most of my use of a net worth figure is only for the purpose of my own tracking and curiosity. I keep this simple, using the number Personal Capital spits out after adding in the balances of all accounts, which does include home equity but not vehicle equity. If vehicle equity really interested me, ...
by Ice-9
Thu Jul 13, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Cutting the Cord: Who's Best?
Replies: 46
Views: 5036

Re: Cutting the Cord: Who's Best?

We've used Sling from the start and love it. Switched to SlingBlue plus the News Extra last year before the Olympics to get all the NBC channels, and liked it so much we didn't downgrade to save the extra $10/mo after the Olympics were over. One feature we only realized relatively recently about Sli...
by Ice-9
Mon Jul 10, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: Cheap TV Set-up for Limited Daily Use
Replies: 71
Views: 4637

Re: Cheap TV Set-up for Limited Daily Use

1. Does she have internet and wifi? 2. Does she have a favorite news channel? 3. Do you think it is at all possible that she could be a candidate to be a cord-cutter? Then she could avoid the whole pay-per-tv model that Cox has. Personal anecdote: My wife and I converted our non-tech savvy aunt to ...
by Ice-9
Fri Jun 30, 2017 2:22 pm
Forum: Investing - Theory, News & General
Topic: One fund, the whole stock market, why not?
Replies: 15
Views: 1326

Re: One fund, the whole stock market, why not?

I enjoy reading about fellow Bogleheads who have gone to the two-fund portfolio like you've described. I don't do it myself because: 1. Most of my retirement savings is in workplace retirement accounts, where a world stock fund is unavailable 2. Even in the self-directed brokerage part of one of my ...
by Ice-9
Fri Jun 30, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Stupid Security Questions
Replies: 46
Views: 3876

Re: Stupid Security Questions

My favorite security question is my first girlfriend's name. I do use her real name, but I misspell it badly, and in a way that creates a nice pun. :D
by Ice-9
Thu Jun 15, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Do you like receiving email confirmations of online transactions?
Replies: 21
Views: 1219

Re: Do you like receiving email confirmations of online transactions?

I've been completely paperless for a while. I like getting transaction confirmation emails from my bank. I have to admit I don't really pay attention to what I receive from my investment accounts, but I don't think I receive much from them anyways. Mostly, my paperlessness consists of keeping up wit...
by Ice-9
Thu Jun 08, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with a personal finance cynic
Replies: 109
Views: 6516

Re: How to deal with a personal finance cynic

It might be hard to glean from the few posts the OP's friend may have clicked on, but basic Boglehead principles are very scalable to anyone's income/savings/debt situation. * Try to live below your means * Try to pay off / stay out of high-interest debt * "Pay yourself first" - automatica...
by Ice-9
Mon Jun 05, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage Link Question
Replies: 14
Views: 471

Re: Brokerage Link Question

I have BrokerageLink in my 401 plan at Fidelity, and my Roth at Vanguard. I haven't found an asset class typically recommended by Boglehead-types without a decent no-fee option in BrokerageLink, either with Fidelity funds or available no-commission ETF s. For several years, I thought of my Roth IRA ...
by Ice-9
Thu Jun 01, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: Using LastPass to Manage Passwords
Replies: 38
Views: 3689

Re: Using LastPass to Manage Passwords

Thank you for all the replies so far. Do you think the premium service ($12/yr) is worthwhile? I recently upgraded to the premium service to take advantage of the family sharing feature. My wife had been using Dashlane previously but switched to LastPass a few months ago, and there were some sites ...
by Ice-9
Wed May 31, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Capital - Phone Discussion
Replies: 39
Views: 4712

Re: Personal Capital - Phone Discussion

...I've also mentioned a few other options to my wife, and she's expressed more interest in simply putting everything in Target Retirement funds if something were to happen to me. Would that include the taxable, tax deferred and tax free accounts? Almost everything is tax-deferred or tax-free. The ...
by Ice-9
Wed May 31, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: IBonds count as part of bond allocation?
Replies: 12
Views: 879

Re: IBonds count as part of bond allocation?

I originally bought a 6-month expenses supply of I-Bonds back in 2002 thinking after the first year mandatory holding period it could function as my emergency fund. (The annual purchase limit was much higher back then.) However, post-2008-crash, my 1.6% fixed rate I-bonds began to have a more attrac...
by Ice-9
Wed May 31, 2017 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Capital - Phone Discussion
Replies: 39
Views: 4712

Re: Personal Capital - Phone Discussion

I am a big fan of the Personal Capital software, and understand perfectly that the price for using it is to receive a phone call from them quickly asking if their services are needed maybe once or twice a year. My answer is always that I enjoyed that original hour phone presentation with my assigned...
by Ice-9
Tue May 30, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Using LastPass to Manage Passwords
Replies: 38
Views: 3689

Re: Using LastPass to Manage Passwords

I've been using LastPass for maybe three years now and hopefully can provide some helpful responses to your questions. 1. You can export your LastPass (or any other password manager) data to a CSV. I keep one in a VeraCrypt encrypted container, so if I ever need to access my passwords without intern...
by Ice-9
Mon May 29, 2017 7:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: Amazon Smile: John C Bogle Center
Replies: 22
Views: 3791

Re: Amazon Smile: John C Bogle Center

Can one contribute to the Bogleheads using the Amazon link on the home page and also to the Bogle Center through the Smile process or is it one or the other? I've been going to the affiliate link from the home page and then clicking in the URL bar at the top of the browser and replacing "www&q...
by Ice-9
Mon May 29, 2017 5:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Amazon Smile: John C Bogle Center
Replies: 22
Views: 3791

Re: Amazon Smile: John C Bogle Center

Perhaps in part due to this post, Boglehead contributions have apparently increased since February!
Image
by Ice-9
Sun May 28, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Anyone here use Fidsafe?
Replies: 4
Views: 629

Re: Anyone here use Fidsafe?

For what I believe is the same function, I do this: (1) Keep all sensitive documents in an encrypted Veracrypt container (2) Store the encrypted container in a cloud folder on my computer, so it's automatically uploaded to the cloud (requires setting Veracrypt preference to allow updating of the con...
by Ice-9
Mon May 15, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else dial down retirement savings?
Replies: 32
Views: 5378

Re: Anyone else dial down retirement savings?

A lot of great advice in this thread! To directly answer the OP's question in the thread subject, yes, I've dialed down retirement savings. Until about five years ago, I had many straight years of saving 35% (or higher) of my income. Then we decided to put more into paying down our FHA mortgage to 7...
by Ice-9
Fri May 12, 2017 2:43 pm
Forum: Investing - Theory, News & General
Topic: Goofy idea - moving 401k to money market each weekend
Replies: 15
Views: 1762

Re: Goofy idea - moving 401k to money market each weekend

This is a fun exercise - thank you OP. How about let's change it to a self-directed brokerage window within a 401(k) in which you can trade ETFs, so you could theoretically sell toward the end of the day on Friday and buy shortly after the start on Monday. I still wouldn't do it. I actually do hold ...
by Ice-9
Tue May 09, 2017 4:29 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads Guide for Federal Employees
Replies: 9
Views: 1503

Re: The Bogleheads Guide for Federal Employees

Federal News Radio has some good pieces on retirement and TSP from time to time.
https://federalnewsradio.com/

See under the Pay & Benefits menu at the top.
by Ice-9
Mon May 08, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: how to copy old audio cassettes to pc?
Replies: 19
Views: 1570

Re: how to copy old audio cassettes to pc?

I did this some years ago. Worked like this: Download a program called Audacity. (Free from various places, check Google). Connect a cable from the earphone/headphone jack on the cassette player to the microphone jack on the computer. Start Audacity, play the tape, and that's it except for a bunch ...
by Ice-9
Mon May 08, 2017 11:01 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY MR. BOGLE: Let's Get The Party Started One Day Early
Replies: 68
Views: 4144

Re: HAPPY BIRTHDAY MR. BOGLE: Let's Get The Party Started One Day Early

Sorry I'm late to the party, but Happy Birthday Mr. Bogle! And thank you!
by Ice-9
Tue May 02, 2017 2:43 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 206
Views: 17403

Re: What is your overall portfolio weighted expense ratio

0.09% weighted overall ER Across workplace account at Fidelity, Roth at Vanguard, and Treasury Direct. Target allocation 21% S&P500 index 0.052% 14% Extended Mkt Index 0.052% 7% REIT index 0.12%/0.084% 21% Total Int'l Index 0.171%/0.11% 7% Emerging Mkts Index 0.14% 15% Nominal Fixed Income (mix ...
by Ice-9
Tue Apr 25, 2017 3:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 108
Views: 12014

Re: Vanguard has switched to brokerage only accounts

To add to the OP's question, see this page on Vanguard's website:
https://investor.vanguard.com/info/account-upgrade
by Ice-9
Tue Apr 25, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Software Quicken 2017 Online Version or PC based] , Personal Capital, Mint, or QuickBooks?
Replies: 13
Views: 1383

Re: Personal Finance Software Quicken 2017 Online Version or PC based] , Personal Capital, Mint, or QuickBooks?

I use... Personal Capital * for net worth tracking * to quickly review transactions without having to log in to a gazillion accounts * to review spending by category, for example the last month's restaurants, etc a Google Spreadsheet * for asset allocation tracking, especially for determining when r...
by Ice-9
Mon Apr 24, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Capital One vs Capital One 360
Replies: 4
Views: 1210

Re: Capital One vs Capital One 360

To add to what richardglm said... I had an ING Direct account that of course became a Capital One 360 account, but otherwise have never been a Capital One customer. Last year I inquired at a Capital One Branch near me about the availability of Safe Deposit boxes. They said my standing as a Capital O...
by Ice-9
Tue Apr 18, 2017 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Software to track asset allocation (no tickers)
Replies: 41
Views: 3755

Re: Software to track asset allocation (no tickers)

FYI - Mymoneyblog posted a Google Spreadsheets template yesterday: http://www.mymoneyblog.com/simple-portf ... -tool.html
by Ice-9
Fri Apr 14, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Software to track asset allocation (no tickers)
Replies: 41
Views: 3755

Re: Software to track asset allocation (no tickers)

As someone who has both set up, I like PC better for tracking my net worth, and the Google Spreadsheet better for tracking my asset allocation and knowing when rebalancing is needed. The neat asset allocation chart on PC was great when it was brand new, but when the percentages are out of whack and ...
by Ice-9
Fri Apr 14, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Software to track asset allocation (no tickers)
Replies: 41
Views: 3755

Re: Software to track asset allocation (no tickers)

I've been using Personal Capital for a few years and also have non-tickered index funds in my workplace retirement account. I added them manually, but they didn't categorize correctly at first on the PC's asset allocation tool. So, I contacted customer support and explained the situation, and they a...
by Ice-9
Tue Apr 04, 2017 11:24 am
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 159
Views: 18103

Re: Social Security for Millennials

Just want to note that this question could be asked of most of the Gen X population as well as Millennials. I'm smack in the middle of most estimates of Gen X birth years, and I won't even be eligible to receive SS benefits until after 2034, with my tentative goal being to delay taking SS to age 70 ...
by Ice-9
Fri Mar 31, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Taxact-2017-Plus pre-order $60? (download version)
Replies: 11
Views: 1024

Re: Taxact-2017-Plus pre-order $60? (download version)

It will be interesting to see what TaxAct's pricing will be for 2017, including any early bird offers that come along. For 2016, I locked in what turned out to be $35.50 for Fed and State, then last week got $25.50 back thanks to a fellow Boglehead notifying me about the $10 offer thread. (Thank you...
by Ice-9
Tue Mar 28, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: How to easily organize personal finances
Replies: 31
Views: 2758

Re: How to easily organize personal finances

For spending, I don't bother with a spreadsheet. I mostly use my various cashback credit cards' websites to look at my spending (as livesoft suggested), but I also use the account aggregation website Personal Capital to put it all together so I can query, for example, all restaurant purchases on all...
by Ice-9
Tue Mar 28, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: What do symbols mean?
Replies: 2
Views: 470

Re: What do symbols mean?

When I search for MSCI World from iShares, I find URTH. Is this the type of fund you're looking for, and is it available on your platform?
https://www.ishares.com/us/products/239 ... -world-etf
by Ice-9
Tue Mar 28, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Picture / video / file backup
Replies: 44
Views: 1731

Re: Picture / video / file backup

I'm a big fan of: * free cloud services * Time Machine for my Mac * Crashplan on all machines Regarding photos in particular: Last year, my wife and I tested several of the cloud services for automatic backup of photos from our phones. In our test, the only service that seemed to reliably automatica...
by Ice-9
Fri Mar 24, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 5419

Re: How did you do your income taxes?

Through 1998: by hand 1999-2004: Entered into PDF file, printed, and mailed (simple years) 2005-2010: TurboTax Online 2011-2016: TaxAct Online Next year, I am planning to just do the Fed with TaxAct and then, with my Fed PDF as a reference, try the State of Maryland's iFile for free. It is nice and ...
by Ice-9
Mon Mar 20, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 173
Views: 19104

Re: "Millionaire Next Door" Net Worth Formula

NYC_Guy wrote:For someone less than 50, use the formula but plug in your average income since the age of 25. Bet it works a lot better for ya... :wink:


Using the original formula, I'm average. Using your formula, I'm a PAW. Thanks! :sharebeer
by Ice-9
Thu Mar 16, 2017 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Maximum 401K limits for 2017
Replies: 20
Views: 3169

Re: Maximum 401K limits for 2017

In my case, no, all three flavors of contributions to my Defined Contribution plans (with TIAA-CREF) were pre-tax, tax deferred, however you want to call it. There was no Defined Benefit plan involved... Wizard , were you in a state teacher's plan ? our daughter is covered in a teacher's DB plan th...
by Ice-9
Mon Mar 13, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 11614

Re: What to do with all these passwords ?

I installed Last Pass yesterday but have a few questions for those in the know. 1. I assume if my computer hard drive goes belly up today, once I get a new computer with the Last Pass extension installed, I can retrieve all my passwords again? 2. Does everyone back up their passwords? I see I can p...
by Ice-9
Fri Mar 10, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 11614

Re: What to do with all these passwords ?

How do all these password protection programs (and their random password generators) deal with the various rules. I have some sites that require special characters, some that don't, some that require a password between 8 and 13 characters long others with a minimum but no maximum, some that are cap...
by Ice-9
Fri Mar 10, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 11614

Re: What to do with all these passwords ?

parsi1 wrote:do they also store all the security questions?


When you look up a password in LastPass, there's a section below where you can enter any notes. I often put security question info there.