Search found 1075 matches

by Ice-9
Fri Sep 23, 2016 2:25 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 91
Views: 7242

Re: Trader Joe's Fans - good value?

Probiotics. When my doctor recommended them for me, he immediately mentioned Trader Joe's as the best deal.
by Ice-9
Fri Sep 23, 2016 1:57 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 79
Views: 4610

Re: Yahoo says hackers stole info in 500 million user accounts

I only use my Yahoo account to play fantasy football. This, and also Flickr. Hadn't checked my email on Yahoo for ten years until today when I changed my password. And it was still active after 10 years of not logging in? I have trouble believing that. I had a yahoo account that I did not log into ...
by Ice-9
Fri Sep 23, 2016 11:36 am
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 79
Views: 4610

Re: Yahoo says hackers stole info in 500 million user accounts

pennstater2005 wrote:I only use my Yahoo account to play fantasy football.


This, and also Flickr. Hadn't checked my email on Yahoo for ten years until today when I changed my password.
by Ice-9
Fri Sep 23, 2016 9:50 am
Forum: Personal Consumer Issues
Topic: Anyone use Mac OS El Capitan with Photoshop CS6?
Replies: 9
Views: 315

Re: Anyone use Mac OS El Capitan with Photoshop CS6?

We had been using CS3 on El Capitan for a while. If I remember correctly, the first time after upgrading it told us we had to download Legacy Java 6, which we did, but this may not be a requirement for CS6. I think we're about to finally bite the bullet and pay $10/mo to upgrade to the latest versio...
by Ice-9
Thu Sep 22, 2016 11:44 am
Forum: Personal Consumer Issues
Topic: Having intermittent problem with Visa chip card
Replies: 20
Views: 1167

Re: Having intermittent problem with Visa chip card

For about a week or two, I had problems with the AMEX I like to use for grocery stores at the grocery downstairs from my work. The card had worked great for months before the problem, just for some reason during that period after several tries with the AMEX, I'd always end up having to switch to a d...
by Ice-9
Tue Sep 13, 2016 4:40 pm
Forum: Personal Consumer Issues
Topic: iOS 10 available today
Replies: 44
Views: 3026

Re: iOS 10 available today

I saw a few warnings on social media that some people had issues with the over-the-air update with iOS 10. So, if you have the opportunity, connect to a computer via USB and update using iTunes. (I usually do this anyways, as it takes less time to update.)
by Ice-9
Mon Sep 12, 2016 4:04 pm
Forum: Personal Consumer Issues
Topic: Another IRS scam
Replies: 2
Views: 592

Re: Another IRS scam

My wife got an IRS scam recorded call yesterday. Caller ID indicated a Chicago number, so different area than the OP's call. They had tried to reach my wife several times before she had me answer. The recording basically said, "This is the IRS. We are planning a lawsuit against you. Please call...
by Ice-9
Mon Sep 12, 2016 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Too much in FSA account
Replies: 14
Views: 915

Re: Too much in FSA account

I was excited to reply with my two go-to solutions for this end-of-year problem, but I see others have already named them. I'll just go ahead and give them each a second vote: * Contacts/glasses - easy way to use extra $$$ if you happen to use these. Simply stock up on contacts for a bit longer if y...
by Ice-9
Fri Sep 09, 2016 10:13 am
Forum: Investing - Theory, News & General
Topic: Do Bogleheads Budget?
Replies: 104
Views: 12317

Re: Do Bogleheads Budget?

Generally, our plan in lieu of an actual budget has been to automatically send some money each paycheck to savings/investing, and whatever's left is fair game to spend. This has worked out well, as we are generally frugal. The one thing we are not frugal about is restaurants. We enjoy living in an a...
by Ice-9
Tue Sep 06, 2016 7:47 pm
Forum: Personal Consumer Issues
Topic: What to do with my CD collection
Replies: 35
Views: 2642

Re: What to do with my CD collection

An old friend bought my complete collection of Led Zeppelin CDs for $60 recently. I tried to sell him the Metallica collection too, but he wouldn't bite. I've been meaning to put entire sets from one band on Craigslist for however many dollars I think I could get for them, but I'm too lazy. I like t...
by Ice-9
Tue Aug 30, 2016 10:54 am
Forum: Investing - Theory, News & General
Topic: "Your Age In Bonds"vs. Target Retirement 2015 Fund AA
Replies: 14
Views: 1054

Re: "Your Age In Bonds"vs. Target Retirement 2015 Fund AA

Also, I've read on this forum before that it's really more of a rough guideline than a hard rule. A starting point when considering allocation and a simple way to understand the concept of increasing allocation to bonds as you age. Unsure of what your allocation should be? Let's start by considering...
by Ice-9
Tue Aug 09, 2016 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime and Amazon Drive Backup
Replies: 3
Views: 984

Re: Amazon Prime and Amazon Drive Backup

VeraCrypt is here: https://veracrypt.codeplex.com/

The big Download button is for Windows, but Mac and Linux versions are available too at the middle of the page.
by Ice-9
Tue Aug 09, 2016 10:39 am
Forum: Personal Finance (Not Investing)
Topic: why the limit of six withdrawals on a savings account
Replies: 22
Views: 3389

Re: why the limit of six withdrawals on a savings account

I avoid the six withdrawal issue by using the subaccount feature on Capital One 360, formerly ING Direct. One subaccount is mostly for paying credit card bills, another for health bills, another for pet expenses, another for vacations. I usually make more than six total transfers to the checking acc...
by Ice-9
Mon Aug 08, 2016 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime and Amazon Drive Backup
Replies: 3
Views: 984

Re: Amazon Prime and Amazon Drive Backup

I'm a big fan of all the free cloud offers, but with Amazon Prime I admit to only using the unlimited free photo backup offer, not other types of files. I do enjoy the ease of simply copying files to a folder as offered by the other cloud offerings, such as Dropbox, OneDrive, GoogleDrive, and box.co...
by Ice-9
Mon Aug 08, 2016 4:11 pm
Forum: Investing - Theory, News & General
Topic: "Yes, You Still Suck at Investing"
Replies: 33
Views: 5565

Re: "Yes, You Still Suck at Investing"

* In 2015, the average equity mutual fund investor underperformed the S&P 500 by a margin of 3.66%. While the broader market made incremental gains of 1.38%, the average equity investor suffered a more-than-incremental loss of -2.28%. Interesting that Dalbar uses the wording "the average e...
by Ice-9
Tue Aug 02, 2016 4:30 pm
Forum: Personal Consumer Issues
Topic: Capitulating on Windows Phones
Replies: 14
Views: 973

Re: Capitulating on Windows Phones

I can do Hotmail and automatic updates of photos to OneDrive on my iPhone, so I would have to guess the same is available for Android. I actually chose OneDrive over iCloud for backing up photos despite 2x the price for 50 Gb because it works so well.
by Ice-9
Mon Jul 18, 2016 10:38 am
Forum: Personal Consumer Issues
Topic: Cutting Cable Cord Only to Strengthen Internet Cord
Replies: 64
Views: 5280

Re: Cutting Cable Cord Only to Strengthen Internet Cord

I indeed recently cut the cable cord only to strengthen internet cord. Before Aug 2015: $135/mo Verizon Cable and 15/15 Internet $8/mo Netflix (also Amazon Prime which I purchased for benefits other than video and still have today, so it's a wash) Aug 2015 - June 2016: $55/mo Verizon 25/25 internet ...
by Ice-9
Fri Jul 15, 2016 7:10 am
Forum: Investing - Theory, News & General
Topic: Yahoo Finance redesign
Replies: 42
Views: 4178

Re: Yahoo Finance redesign

I noticed the layout change this morning on Firefox on Linux and was mildly disappointed because the new layout changed the order of the ETFs I track with a bookmarked URL that has all my tickers separated by commas. I had it neatly organized according to domestic funds, international funds, and bo...
by Ice-9
Thu Jul 14, 2016 2:00 pm
Forum: Investing - Theory, News & General
Topic: Yahoo Finance redesign
Replies: 42
Views: 4178

Re: Yahoo Finance redesign

I noticed the layout change this morning on Firefox on Linux and was mildly disappointed because the new layout changed the order of the ETFs I track with a bookmarked URL that has all my tickers separated by commas. I had it neatly organized according to domestic funds, international funds, and bon...
by Ice-9
Thu Jul 14, 2016 10:09 am
Forum: Personal Consumer Issues
Topic: Cutting Cable Cord Only to Strengthen Internet Cord
Replies: 64
Views: 5280

Re: Cutting Cable Cord Only to Strengthen Internet Cord

http://mobile.nytimes.com/2016/07/14/technology/personaltech/the-downside-to-cord-cutting.html?emc=edit_th_20160714&nl=todaysheadlines&nlid=4550969&referer= NY Times article on the topic today. I read this in the morning paper online today. The author lost me completely when he finally ...
by Ice-9
Wed May 25, 2016 10:49 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 296
Views: 39827

Re: OPM breach and credit freeze

Ice-9, If your credit is already frozen, there is nothing a credit monitoring company can monitor except for non-credit related items such as sex offenders in your neighborhood. That's my understanding. Per the instructions in the Krebs article referenced earlier in this post, I actually signed up ...
by Ice-9
Wed May 25, 2016 7:47 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 296
Views: 39827

Re: OPM breach and credit freeze

After having been signed up for the credit monitoring service since November, I just wanted to say I'm not pleased with the service provided by My ID Care. (1) The credit report accessible on My ID Care hasn't updated since I signed up for the site six months ago. I'm not sure how keeping a static c...
by Ice-9
Thu May 19, 2016 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: 10 Year TIPS Auction
Replies: 14
Views: 1307

Re: 10 Year TIPS Auction

Final rate for this reissue was 0.275%. I needed something in my tax-deferred space, and it beats the I-bond I would have purchased in taxable under different circumstances by 17 basis points, so I don't feel too bad for having bitten on this auction.
by Ice-9
Mon May 16, 2016 4:47 pm
Forum: Investing - Theory, News & General
Topic: What % do you have in alternatives? REITs, commodities, etc.)
Replies: 67
Views: 4245

Re: What % do you have in alternatives? REITs, commodities, etc.)

Besides whatever REITs are contained in my S&P 500 and extended market index funds, I have a 7% allocation to Vanguard REIT Index Fund. It's in my Roth along with International Index, which for the last several years has turned out to be convenient because they haven't moved anywhere close to in...
by Ice-9
Thu May 12, 2016 12:23 pm
Forum: Investing - Theory, News & General
Topic: Carl Icahn Is Betting Big on a Stock Market Crash
Replies: 32
Views: 7615

Re: Carl Icahn Is Betting Big on a Stock Market Crash

I got 4,360,000 hits on "stock market crash 2016" Then I hit Ctrl F5 to reload the page and got 2,260,000 Where did the other 2 million hits go ? Then I do it again and they come back. Try it !!! https://www.google.com/#q=stock+market+crash+2016 I get a steady 3,870,000 results. Perhaps t...
by Ice-9
Thu May 05, 2016 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Netspend 5% Saving not showing on personal capital
Replies: 8
Views: 886

Re: Netspend 5% Saving not showing on personal capital

This sounds like a question for Personal Capital Support at support@personalcapital.com. I've found them to be very responsive to similar questions I've asked them. Sometimes all that is needed is a tweak on their end. I do have one bank account that they were not able to support and so I instead cr...
by Ice-9
Mon May 02, 2016 12:57 pm
Forum: Investing - Theory, News & General
Topic: Reasonable Firecalc Assumptions and Results?
Replies: 22
Views: 2888

Re: Reasonable Firecalc Assumptions and Results?

However, the recent Bogleheads thread on the Mckinsey report that suggests returns could be lower the next 20 years brought me to retry my Firecalc numbers using 2.5% worse returns. Don't forget to also read Barry Ritholtz's take on that report (referenced in this post on the same thread). :wink: T...
by Ice-9
Mon May 02, 2016 10:31 am
Forum: Investing - Theory, News & General
Topic: Reasonable Firecalc Assumptions and Results?
Replies: 22
Views: 2888

Re: Reasonable Firecalc Assumptions and Results?

Here's an assumption I like to use to be conservative on Firecalc: Assume lower returns going forward than the historical returns since 1871 that Firecalc uses. You can do this by adding some percentage to your expense ratio on the Your Portfolio tab in Firecalc. For the occasional Firecalc runs I'v...
by Ice-9
Tue Apr 19, 2016 3:46 pm
Forum: Personal Consumer Issues
Topic: Roku 3 v. Apple TV v. ???
Replies: 32
Views: 2852

Re: Roku 3 v. Apple TV v. ???

The advantage of the Roku 3 is that you can plug headphones directly into the remote. That would be useful at times. Tyrion took the words out of my mouth. We're an all-Apple household who similarly used Roku 1 since 2009 and last year upgraded to the Roku 3. The headphones feature has been wonderf...
by Ice-9
Tue Mar 29, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 70
Views: 5118

Re: Updates on the status of Linux

User interface is going to vary greatly from distro to distro (and really even within each distro with different desktop environments). Linux Mint was mentioned above as a good distro to try if moving from Windows. I agree regarding the slick Cinnamon or Mate desktop environments and out-of-the-box ...
by Ice-9
Tue Mar 29, 2016 9:57 am
Forum: Personal Finance (Not Investing)
Topic: What is your current Cash to Investment ratio?
Replies: 112
Views: 6982

Re: What is your current Cash to Investment ratio?

Using strictly checking and savings accounts as a percent of IRA/401/457 plan balances... 3.8% However, that ignores a significant holding of savings bonds. I actually originally bought the savings bonds more than 10 years ago intending them to become an emergency fund, which I suppose would count a...
by Ice-9
Mon Mar 21, 2016 10:51 am
Forum: Investing - Theory, News & General
Topic: How have your homes as investments done?
Replies: 154
Views: 12264

Re: How have your homes as investments done?

If you are talking about pure house price increase/decrease then not good. I bought at about $150k 7 years ago and it is worth about that now if not less. We are financially better off vs renting but the time and stress of maintaining a house is getting to me and we shall rent for a bit next! Simil...
by Ice-9
Mon Mar 21, 2016 10:28 am
Forum: Personal Consumer Issues
Topic: email from Amazon: Critical Update for your kindle e-reader
Replies: 28
Views: 3759

Re: email from Amazon: Critical Update for your kindle e-reader

I have three kindles. My two paperwhites updated just fine, but my older (six years?) device does not seem to be interested. Any suggestions? Ralph Same thing happened to me. I followed these instructions: http://www.amazon.com/gp/help/customer/display.html?nodeId=201177360 ...to apply the appropri...
by Ice-9
Mon Mar 21, 2016 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 New Money Market Account, 1% on over 10k
Replies: 93
Views: 15751

Re: Capital One 360 New Money Market Account, 1% on over 10k

gasdoc wrote:Just noticed this on the page:

"FDIC-insured.
Since your deposits are FDIC-insured up to the allowable limits, you can rest easy knowing your money is secure+."

gasdoc


Good catch - sorry for the incorrect assumption.
by Ice-9
Mon Mar 21, 2016 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 New Money Market Account, 1% on over 10k
Replies: 93
Views: 15751

Re: Capital One 360 New Money Market Account, 1% on over 10k

I'm with DaftInvestor. I have a CapitalOne360 checking and savings that I use to store money that will pay bills each month, but more of my savings account money is over at FNBO Direct currently earning 0.95%. Not really worth transferring it to make 0.05% more and lose the FDIC insurance.
by Ice-9
Fri Feb 26, 2016 10:21 am
Forum: Investing - Theory, News & General
Topic: [Vanguard announces 3rd round of Expense Ratio reductions]
Replies: 43
Views: 4079

Vanguard announces more ER reductions

[Thread merged into here, see below. --admin LadyGeek] Nice way to start the day seeing this :) - The $12.4 billion Vanguard FTSE All-World ex-US Index ETF (ticker: VEU) reported an expense ratio reduction of 1 basis point, to 0.13%. - The $5.4 billion Vanguard Total World Stock Index ETF (ticker: ...
by Ice-9
Fri Feb 19, 2016 4:59 pm
Forum: Investing - Theory, News & General
Topic: Any website that shows historical data for a portfolio?
Replies: 3
Views: 619

Re: Any website that shows historical data for a portfolio?

Are you aware of the spreadsheet formerly maintained by Boglehead Simba that can be downloaded from a link on this wiki page?

https://www.bogleheads.org/wiki/Simba%2 ... preadsheet
by Ice-9
Wed Feb 17, 2016 5:56 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 185
Views: 18246

Re: Netflix, Your Current Favorite Show

that's my industry. have faith that wentworth is waaaaay closer to reality than the quarky funny oitnb. thanks for the reminder, almost forgot they dropped season 3. --- F is for family is a new bill burr cartoon. It'd be rated R language wise but anybody that's circa 35-55 should find it funny, i ...
by Ice-9
Fri Feb 05, 2016 7:20 pm
Forum: Personal Consumer Issues
Topic: $50 Amazon tablet
Replies: 39
Views: 3876

Re: $50 Amazon tablet

Call me an old fuddy-duddy, but I don't trust Android or iOS for anything financial. Actually, I don't even trust my desktop operating system. I only log in to sensitive accounts from an encrypted Linux virtual machine. Wow, interesting. Probably not a realistic solution for most Bogleheads. If the...
by Ice-9
Fri Feb 05, 2016 6:55 pm
Forum: Personal Consumer Issues
Topic: $50 Amazon tablet
Replies: 39
Views: 3876

Re: $50 Amazon tablet

Call me an old fuddy-duddy, but I don't trust Android or iOS for anything financial. Actually, I don't even trust my desktop operating system. I only log in to sensitive accounts from an encrypted Linux virtual machine. I do have the JSTOCKS app on my Android tablet and I use the Stocks app on my iP...
by Ice-9
Sat Jan 30, 2016 4:33 pm
Forum: Personal Consumer Issues
Topic: How to stop junk mail for a deceased person
Replies: 39
Views: 3035

Re: How to stop junk mail for a deceased person

Well, as a living person, I had pretty good luck with this app called PaperKarma: https://www.paperkarma.com/ I spent about three months submitting on my phone each piece of junk mail that arrived in the mailbox. All the catalogs and general ads stopped, but it doesn't work for non-profits etc. I ha...
by Ice-9
Thu Jan 28, 2016 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Where should I invest?
Replies: 25
Views: 1596

Re: i have most of my investments in the S&P 500

S&P 500 and NASDAQ are both American stocks. Even though there are ETFs that track it, the NASDAQ is an exchange and not really a helpful index for diversification. Depending on your age and risk tolerance, you may wish to diversify into fixed income investments to decrease risk and Internationa...
by Ice-9
Tue Jan 26, 2016 6:44 pm
Forum: Personal Consumer Issues
Topic: Best way to make a free slideshow with music?
Replies: 10
Views: 603

Re: Best way to make a free slideshow with music?

I usually do these types of things on the Mac with iMovie. But I just googled "make slideshow online" and got a bunch of results that look promising for any platform. The first hit in the results, Slidely, looks user-friendly and appears to include music, though of course I can't speak fro...
by Ice-9
Fri Jan 22, 2016 3:54 pm
Forum: Personal Consumer Issues
Topic: What was your biggest unexpected home expense?
Replies: 87
Views: 8575

Re: What was your biggest unexpected home expense?

$10k - Replacing furnace and AC. Furnace died and we threw in the A/C too because they had a discount if you installed both at the same time, and our A/C was about due to die anyway. $7k - More unexpected than my first answer, tree roots in front yard created a plumbing emergency with the old Orange...
by Ice-9
Fri Jan 22, 2016 3:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hope everyone is well [Preparing for Eastern US blizzard]
Replies: 102
Views: 6526

Re: Hope everyone is well [Preparing for Eastern US blizzard]

All good replies so far, but I haven't seen an item mentioned yet that makes being stuck indoors more bearable: Beer! :sharebeer

Also, by the time high winds start, I plan to shutdown and unplug my computer.
by Ice-9
Wed Jan 20, 2016 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 100
Views: 8260

Re: What was your % pay raise?

5.5% in 2015, not certain how much of that was COLA.
by Ice-9
Tue Jan 19, 2016 4:32 pm
Forum: Personal Consumer Issues
Topic: What online Email do you use
Replies: 59
Views: 5810

Re: What online Email do you use

I am both a Hotmail and Gmail user for many years. (And technically Yahoo too, though I only really use that for Flickr and Fantasy Football.) I mostly use Hotmail (now Outlook) for commercial contacts and Gmail for personal ones. I actually like Hotmail's upgrade to Outlook.com. I find that I'm alw...
by Ice-9
Sat Jan 16, 2016 4:47 pm
Forum: Personal Consumer Issues
Topic: Encryption of Data
Replies: 34
Views: 3144

Re: Encryption of Data

OP, my 2 cents, hopefully will be of use to you. What I do: 1. Use a VeraCrypt encrypted container for statements and sensitive documents. Which I 90% of the time only access from... 2. Free encrypted Linux VirtualBox virtual machine, which is the only place from which I surf to financial sites. (It...
by Ice-9
Thu Jan 14, 2016 5:16 pm
Forum: Personal Consumer Issues
Topic: Inherited a lot of coins/stamps - what to do with them?
Replies: 27
Views: 4045

Re: Inherited a lot of coins/stamps - what to do with them?

If the gold or silver coins are ones listed on APMEX's site, you could see what their current Buy Price is for each item:
http://www.apmex.com/apmextop40

They may not list everything you have, but at least it's somewhere easy to start.
by Ice-9
Tue Jan 12, 2016 3:03 pm
Forum: Investing - Theory, News & General
Topic: What would you tell your 25 yr old self?
Replies: 99
Views: 7637

Re: What would you tell your 25 yr old self?

My advice to 25-year-old me:

You're young: Stop making sins of omission! Make more sins of commission! :twisted:

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