Search found 1037 matches

by Ice-9
Fri Feb 05, 2016 7:20 pm
Forum: Personal Consumer Issues
Topic: $50 Amazon tablet
Replies: 14
Views: 895

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: 14
Views: 895

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: 2386

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: 1018

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: 439

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: 84
Views: 6748

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: 4979

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: 6932

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: 4847

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: 2441

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: 3469

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: 6243

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: 2886

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: 95
Views: 6191

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: 5450

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: 683

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: 4211

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: 18
Views: 2622

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: 57
Views: 2061

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: 126
Views: 4199

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: 73
Views: 7976

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: 646
Views: 14425

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: 5954

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: 34
Views: 3487

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: 15074

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: 12125

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: 1773

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: 5227

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: 1915

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: 4116

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: 3864

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: 772

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....
by Ice-9
Tue Dec 15, 2015 11:19 am
Forum: Personal Consumer Issues
Topic: Forward text message as *email* from iPhone ?
Replies: 18
Views: 772

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. ...
by Ice-9
Tue Dec 15, 2015 11:03 am
Forum: Investing - Help with Personal Investments
Topic: [Intending to drop international funds]
Replies: 70
Views: 7539

Re: I've been duped by index investing it seems.

The often referred to Periodic Table of Investment Returns displays the OP's issue perfectly. https://www.callan.com/research/files/757.pdf If the OP has maintained the same portfolio for 10 years, then (s)he caught just a couple of years of good International performance in the mid-2000s and then r...
by Ice-9
Sun Dec 13, 2015 10:08 am
Forum: Investing - Theory, News & General
Topic: Who's Buying I Bonds Now?
Replies: 43
Views: 5219

Re: Who's Buying I Bonds Now?

So I'm trying to understand the iBonds I bought in the past (and if it's worthwhile to hold them). According to the website here is what I have: Issue Date Interest Rate Amount Current Value 01-01-2013 0.00% $10,000.00 $10,376.00 01-01-2012 0.00% $10,000.00 $10,652.00 05-01-2011 1.54% $5,000.00 $5,...
by Ice-9
Thu Dec 10, 2015 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Can I rebalance in different accounts?
Replies: 9
Views: 684

Re: Can I rebalance in different accounts?

I rebalance across a few accounts. Fortunately, all accounts (except for Treasury Direct of course) have good low-cost index options available for S&P 500 fund as well as a decent international fund. If I need to rebalance between two other asset classes besides those two, I often sell the asset...
by Ice-9
Sun Dec 06, 2015 12:06 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 286
Views: 31837

Re: OPM breach and credit freeze

My wife signed up for the opm.myidcare.com protection today. When you log into that website, under the ID Protection menu there is a "Cyberscan" option. Here you can add personal information that they don't already have so they can track whether or not it's also being sold online. You can ...
by Ice-9
Thu Dec 03, 2015 11:11 am
Forum: Personal Consumer Issues
Topic: How to encrypt files for backup?
Replies: 41
Views: 4383

Re: How to encrypt files for backup?

Veracrypt is the new trucrypt so I would recommend that https://veracrypt.codeplex.com/ To clarify this statement - according to Veracrypt's website - they added trucrypt support. They are not TruCrypt. There was a case years ago where some drug dealer had evidence siezed, but fled to South America...
by Ice-9
Thu Dec 03, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: Perfectly legal ways you can still get Windows 7 cheap (or even free)
Replies: 15
Views: 2329

Re: Perfectly legal ways you can still get Windows 7 cheap (or even free)

Nope, you should be fine. Thanks. I ordered the 32-bit version on Amazon for $40, it arrived already, and I set up the Windows 7 VM. Once I added free anti-virus and Visual C++ Redistributable, the VPN worked great! Glad that worked out for you. Out of curiosity... free win10 update too? Looking at...
by Ice-9
Mon Nov 30, 2015 2:46 pm
Forum: Personal Consumer Issues
Topic: Perfectly legal ways you can still get Windows 7 cheap (or even free)
Replies: 15
Views: 2329

Re: Perfectly legal ways you can still get Windows 7 cheap (or even free)

dziuniek wrote:Nope, you should be fine.


Thanks. I ordered the 32-bit version on Amazon for $40, it arrived already, and I set up the Windows 7 VM. Once I added free anti-virus and Visual C++ Redistributable, the VPN worked great!
by Ice-9
Sat Nov 28, 2015 9:47 am
Forum: Personal Consumer Issues
Topic: How to encrypt files for backup?
Replies: 41
Views: 4383

Re: How to encrypt files for backup?

I'm surprised VeraCrypt hasn't been mentioned yet in this more-than-a-year-old thread. I happily used TrueCrypt for years until its founders dropped support for it last year, and have used this fork of TrueCrypt for about a year. Available for Mac, Windows, and Linux. Just as with original TrueCrypt...
by Ice-9
Fri Nov 27, 2015 11:04 am
Forum: Personal Consumer Issues
Topic: How to deal with coins from inheritance
Replies: 27
Views: 2814

Re: How to deal with coins from inheritance

Althought I can't speak from experience, one option that might be worth checking out at least for the gold coins is seeing what APMEX would pay you for them. More info here: http://www.apmex.com/sell-gold-sell-silver-to-apmex
by Ice-9
Fri Nov 27, 2015 10:56 am
Forum: Personal Consumer Issues
Topic: Perfectly legal ways you can still get Windows 7 cheap (or even free)
Replies: 15
Views: 2329

Re: Perfectly legal ways you can still get Windows 7 cheap (or even free)

I'm a Mac user who's considering buying a copy of Windows to use in a virtual machine. My work "offers" the ability to VPN to the office from a Mac, but every OS X upgrade seems to break it, requiring me to downgrade to an ancient version of Java in order to get the VPN working again. I'm ...
by Ice-9
Tue Nov 24, 2015 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO Umbrella- Almost Too Good to be True
Replies: 36
Views: 4365

Re: GEICO Umbrella- Almost Too Good to be True

My $1 million umbrella is $143 this year with Erie, but I already have both auto and home with them.
by Ice-9
Tue Nov 24, 2015 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 82
Views: 10227

Re: Saturday November 28?

Will AMEX do this again in 2015? (Old Discussion...new question) I see this page advertising the date this Saturday: https://www.americanexpress.com/us/small-business/shop-small/ However, and perhaps my eyes are just failing me today, but I'm not finding any actual offer for consumers described any...
by Ice-9
Mon Nov 02, 2015 4:25 pm
Forum: Personal Consumer Issues
Topic: Verizon Fios contract up soon...What to do?
Replies: 13
Views: 1396

Re: Verizon Fios contract up soon...What to do?

I just cut my Fios cable subscription three months ago. Was paying $135 a month, now $55 a month for just 25/25 internet. We've replaced it with: * Mohu antenna for local broadcast stations ($25 one time) * Sling TV for 23 cable channels ($20/mo, but they have more expensive options with HBO, etc) *...
by Ice-9
Sun Nov 01, 2015 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards Do You Have?
Replies: 91
Views: 6441

Re: How Many Credit Cards Do You Have?

Nine. However, this number is because there is a credit-score advantage to keeping open old cards that you don't use anymore. The credit limits of these cards contribute to the denominator of the utilization ratio. Also, if they're older cards, they contribute to overall age of your credit. If I wer...
by Ice-9
Fri Oct 30, 2015 10:42 am
Forum: Personal Consumer Issues
Topic: How to backup DVD collection
Replies: 29
Views: 1840

Re: How to backup DVD collection

In the same thought and mentioned above, how does everyone save family movies that were on a form of DVD and also the old school VHS version? Move them to the now standard DVD? Hard drive? CLoud? These are the "movies" I'm most concerned about. What I've done: All the valuable family movi...
by Ice-9
Fri Oct 30, 2015 10:22 am
Forum: Personal Consumer Issues
Topic: How to backup DVD collection
Replies: 29
Views: 1840

Re: How to backup DVD collection

I've used Handbrake before to backup a couple of DVDs - pretty straightforward.
http://lifehacker.com/how-to-rip-a-dvd- ... er-5809765
by Ice-9
Tue Oct 27, 2015 11:18 am
Forum: Personal Consumer Issues
Topic: Mortgage Payment Calculator
Replies: 19
Views: 1784

Re: Mortgage Payment Calculator

I've always been a big fan of Bankrate's calculator: http://www.bankrate.com/calculators/mortgages/mortgage-calculator.aspx When you expand the Amortization Schedule section, you can enter a few prepayment options, including a certain amount extra each month and/or a large one-time prepayment. This ...

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