Search found 1055 matches

by Ice-9
Wed May 25, 2016 10:49 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 296
Views: 36874

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: 36874

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: 1097

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: 3543

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: 7099

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: 783

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: 2602

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: 2602

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: 2570

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: 4594

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: 6286

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: 11236

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: 3566

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: 84
Views: 11407

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: 84
Views: 11407

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: 3793

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: 578

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: 16638

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: 3612

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: 3612

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: 2807

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: 1437

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: 528

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: 7982

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: 5924

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: 7604

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: 5392

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: 2842

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: 3768

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: 7017

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:
by Ice-9
Fri Jan 08, 2016 3:44 pm
Forum: Investing - Theory, News & General
Topic: Three Fund Portfolio vs Intl Bond 4 Fund
Replies: 36
Views: 3224

Re: Three Fund Portfolio is Horrible Advice

Your subject... Three Fund Portfolio is Horrible Advice ...is sort of contradictory to this... The three fund portfolio is good, but contradictory in modern times, with the invention of the low cost international bond fund. It cannot be "horrible" and "good" at the same time. I g...
by Ice-9
Fri Jan 08, 2016 3:07 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 185
Views: 16638

Re: Netflix, Your Current Favorite Show

One that's not been mentioned yet... Wentworth

A more serious Orange Is The New Black set in Australia. My wife and I actually like it better than O.I.T.N.B.
by Ice-9
Tue Jan 05, 2016 12:22 pm
Forum: Personal Consumer Issues
Topic: How much is your house worth?
Replies: 71
Views: 6097

Re: How much is your house worth?

It would be nice if Redfin were right, as they estimate about $80k more than Zillow does for my house. On the page with my estimate, Redfin displays six comps in my neighborhood. One I was already familiar with and had attended the open house, and know it's recently remodelled and a significantly ni...
by Ice-9
Tue Jan 05, 2016 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Make some extra $, online surveys?
Replies: 6
Views: 768

Re: Make some extra $, online surveys?

I did surveys with Pinecone Research for maybe seven years and just recently stopped in the last year. A blog I read had advertised it as "bored money," so that's how I looked at it. I'd get maybe two or three emails a week about new surveys at $3 a pop. After the first few, I got the hang...
by Ice-9
Tue Jan 05, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Incorporating your home into networth calculation
Replies: 100
Views: 4597

Re: Incorporating your home into networth calculation

I keep up with my net worth using an account aggregator. From about 2006 to 2013, I used Yodlee Moneycenter, and since then I've used Personal Capital. (Both free, but with Personal Capital, you have to let them call you twice a year so you can tell them you're still not interested in their advisor ...
by Ice-9
Tue Jan 05, 2016 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 25251

Re: Costco AMEX Transition - Costco has no answers

Slightly off-topic: I am a new Costco customer who only just learned last week on my first shopping trip there that Costco currently only accepts AMEX cards. I was confused by this thread at first, because the Costco reps I spoke with didn't mention an impending change to their credit card policy at...
by Ice-9
Tue Jan 05, 2016 10:51 am
Forum: Personal Consumer Issues
Topic: How often does your credit card # get stolen?
Replies: 73
Views: 3764

Re: How often does your credit card # get stolen?

I'm one of those cashback chasers who uses six cards regularly. The first time it happened to me was 2007 or so, and I've only had two incidents since then. So, maybe once every two to three years for me. Yeah, it is annoying, but when it happens, I'm always very happy I'm not a debit card user who ...
by Ice-9
Sun Jan 03, 2016 11:33 pm
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 142
Views: 8177

Re: 2016 hedge fund contest

Aluminum Foil Partners

Long: CENX

Short: TTWO
by Ice-9
Fri Jan 01, 2016 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bogleheads Buying I-Bonds 2016?
Replies: 80
Views: 10889

Re: Are Bogleheads Buying I-Bonds 2016?

My goal is to build more and more of an emergency fund with I-Bonds by continually buying them and having them age past the mandatory first year. (Technically, 11 months and 3 days, as I always schedule any purchases near the end of the month.) For the past few years, I've allowed myself to limit my...
by Ice-9
Fri Jan 01, 2016 7:37 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 656
Views: 20577

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

1696.25

Thanks for keeping this tradition going!
by Ice-9
Wed Dec 30, 2015 12:07 am
Forum: Investing - Theory, News & General
Topic: Share your current asset allocation?
Replies: 94
Views: 6638

Re: Share your current asset allocation?

42 yrs old, have had this allocation since March 2009, when I switched from target of 84% equities / 16% fixed income. (Actually didn't sell low with that change; equities had dropped so much I rebalanced back up only to 70% rather than all the way to 84%.) Plan to stay put until close to retirement...
by Ice-9
Fri Dec 25, 2015 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct 2015
Replies: 54
Views: 6167

Re: TAX ACT 2015

Another satisfied multi-year TaxActor here. I "locked" $7.99/federal, $6/state for the "Ultimate Bundle" on June 18. In November, I got this email: "Because you're a valued customer, we're upgrading you to TaxAct Premium + State at no extra charge. You'll get our most compr...
by Ice-9
Wed Dec 23, 2015 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: What is your savings rate?
Replies: 146
Views: 16021

Re: What is your savings rate?

2015 is looking like it's going to be a 16.6% savings rate for me, using the method outlined by mnvalue in this post.

Last year was 22.8%.

Several years ago, before becoming a homeowner and getting married, I was somewhere in the neighborhood of 40%.
by Ice-9
Tue Dec 22, 2015 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Biggest lucky break in your personal finances?
Replies: 160
Views: 13385

Re: Biggest lucky break in your personal finances?

* Agree with all the previous mentions of finding Bogleheads (or "Diehards" as it was called back then) and related authors * Also agree with previous posters' mentions of folks who taught them reasonable frugality, in my case my grandfather and a math teacher * Grandfather's trust fund co...
by Ice-9
Mon Dec 21, 2015 4:21 pm
Forum: Personal Consumer Issues
Topic: Is there much to do in Tampa, FL
Replies: 23
Views: 2042

Re: Is there much to do in Tampa, FL

I second Clearwater Beach. But, also, if you like a smaller beach setting and don't mind a little drive, Fred Howard Park is one of my favorites. If you look it up on Google Maps and zoom in on the "Earth" (satellite) view, you'll get a good idea of what it's like. Edit to add: If any of y...
by Ice-9
Sun Dec 20, 2015 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: "Bonus" on AMEX Blue Cash and Blue Cash Preferred
Replies: 39
Views: 7556

Re: "Bonus" on AMEX Blue Cash and Blue Cash Preferred

I've never seen anything qualify as "grocery" but not a "supermarket" under my AMEX - Safeway, Giant, Food Lion, Whole Foods, Fresh Market, Korean Korner, and Great Wall have all received the bonus. Even the local ice cream shop that lists as a "grocery" on credit card ...
by Ice-9
Fri Dec 18, 2015 4:22 pm
Forum: Personal Consumer Issues
Topic: safe inexpensive secure password site
Replies: 31
Views: 2233

Re: safe inexpensive secure password site

I've been using free version of LastPass for a couple years, mostly from my finance-only Linux VM, and I really like it. My wife prefers free version of Dashlane on her Mac. She likes searching for one of her saved sites in the Dashlane menu versus my clicking on the link from my "Password Vaul...
by Ice-9
Fri Dec 18, 2015 11:22 am
Forum: Investing - Theory, News & General
Topic: Do you reinvest your dividends/capital gains?
Replies: 49
Views: 4519

Re: Do you reinvest your dividends/capital gains?

In tax-advantaged account --> I reinvest

If taxable account --> send divs and cap gains to money market account, so I don't have to track of cost basis of these smaller purchases
by Ice-9
Thu Dec 17, 2015 4:13 pm
Forum: Personal Consumer Issues
Topic: Roku vs. Apple TV Considerations
Replies: 43
Views: 4457

Re: Roku vs. Apple TV Considerations

I have SlingTV with a Roku 3, but over wifi. It really makes it easy to "drop cable" because, obviously, you get a number of cable channels. Sometimes a channel will go in and out for a little while. I finally called their help desk about this a few weeks ago, and they told me the solution...
by Ice-9
Tue Dec 15, 2015 12:12 pm
Forum: Personal Consumer Issues
Topic: Forward text message as *email* from iPhone ?
Replies: 18
Views: 862

Re: Forward text message as *email* from iPhone ?

Here is how you forward a text message as an e-mail on the iPhone: https://www.yahoo.com/tech/how-to-forward-a-text-message-on-an-iphone-73240843256.html 1. tap twice on the specific message bubble 2. tap on More 3. select the circles next to the specific messages you want included in your email 4....

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