Search found 1127 matches

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: 1018

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: 5767

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: 355

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: 3194

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: 29
Views: 2669

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: 775

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: 29
Views: 2669

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: 3194

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: 3378

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: 3378

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: 479

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: 5181

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: 1637

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: 1376

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: 1382

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: 3279

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: 202
Views: 15659

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: 106
Views: 10079

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: 1214

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: 1150

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: 3437

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: 3437

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: 3437

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: 144
Views: 14332

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: 900

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. :D (Thank ...
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: 2594

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: 452

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: 1447

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: 4912

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: 169
Views: 16032

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: 2998

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: 10335

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: 10335

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: 10335

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.
by Ice-9
Fri Mar 10, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 10335

Re: What to do with all these passwords ?

I use LastPass, and also export a CSV from LastPass that I keep on an encrypted VeraCrypt container on OneDrive just in case something ever goes wrong with LastPass. My wife has been using Dashlane for a couple of years, but now is considering switching to LastPass too, at which point we'd take adva...
by Ice-9
Fri Mar 10, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: How do you keep spouse informed of family finances?
Replies: 38
Views: 5431

Re: How do you keep spouse informed of family finances?

Similar to the OP, my wife hates discussing anything related to the finances. We have a "financial meeting" every other weekend or so, where she agrees not to complain about having to pay a couple of bills, and she logs in and pays some of them. We also log into the bank accounts/account a...
by Ice-9
Thu Mar 09, 2017 11:43 am
Forum: Investing - Help with Personal Investments
Topic: At what $ level should someone really start diversifiying?
Replies: 25
Views: 2329

Re: At what $ level should someone really start diversifiying?

William Bernstein's Four Pillars of Investing had a really great table outlining how a young person starting with little money but her sights on a relatively complex portfolio of index funds could play out. If you have a copy, look for the section on "Young Yvonne" and see how Bernstein pr...
by Ice-9
Wed Mar 08, 2017 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA cash out
Replies: 9
Views: 888

Re: Roth IRA cash out

Please see https://www.irs.gov/publications/p590b/ch02.html From the above page, since your are (1) more than five years past when you invested the money into the Roth and (2) older than 59.5, it looks like you can withdraw the money as a qualified distribution, which does not need to be included in...
by Ice-9
Mon Mar 06, 2017 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation (Question/Opinion)
Replies: 26
Views: 1828

Re: Net Worth Calculation (Question/Opinion)

I've never needed a net worth value to be super-precise. Most of the time, I would calculate net worth just as a quick gauge for my own assessment of my financial state, and I consider the most conservative estimate of the home value sites (Zillow, Redfin, etc) to be adequate for these purposes. The...
by Ice-9
Fri Feb 17, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: Vietnam
Replies: 31
Views: 3009

Re: Vietnam

+1 on the Cipro. We lasted a week before we needed it and were very glad we had it. Also +1 on Ha Long Bay, although it didn't sound like you were headed that far north. Hoi An is a great place to spend most of your vacation - our favorite part of our trip. Scenic. Lots of shopping. Tailoring very i...
by Ice-9
Mon Feb 06, 2017 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software for 2016
Replies: 76
Views: 8314

Re: H&R Block Tax Software for 2016

I believe what happens is that when you file you have the option to get your return in the form of an Amazon gift card. If you take it, H&R Block adds 10%, so $100 return = $110 gift card. Last year I owed money, so I didn't actually take the gift card to see how it worked in practice. Grogs, t...
by Ice-9
Mon Feb 06, 2017 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software for 2016
Replies: 76
Views: 8314

Re: H&R Block Tax Software for 2016

Quick question about the Amazon refund bonus offer. It is described in small print on Amazon as: As a special bonus to you, we’ll add an extra 5% or 10% to the amount of your e-gift card, depending on which H&R Block product you use. Five percent is nothing special to me, as I already get 5% cas...
by Ice-9
Thu Feb 02, 2017 4:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Amazon Smile: John C Bogle Center
Replies: 22
Views: 3378

Re: Amazon Smile: John C Bogle Center

Wow, I think I must be behind the times, as I use Amazon all the time and never knew about Amazon Smile. I've added the Bogle Center as my donation and made my first purchases, which should add another $0.40 to the Bogle total once the order processes. :D

Thanks for the heads up!
by Ice-9
Fri Jan 27, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: How Do You Pay Your Monthly Bills?
Replies: 42
Views: 3952

Re: How Do You Pay Your Monthly Bills?

Our electric bill has a fee for using credit card to pay, so we use ACH for that one bill. City utility bill (water & refuse/recycling), gas bill, phone bill, and internet don't have such fees and are all on autopay to my Citi Doublecash card, so I eventually get 2% cashback on them. This is not...
by Ice-9
Thu Jan 26, 2017 7:35 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 9275

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Looks like I'm late to the party, but Happy Birthday Taylor!
by Ice-9
Fri Jan 06, 2017 3:46 pm
Forum: Investing - Theory, News & General
Topic: I am timing the market. Why am I wrong?
Replies: 89
Views: 6595

Re: I am timing the market. Why am I wrong?

I can't help but feel that the day that I cave in and buy will be the market top. Please help. A common response to this psychological dilemma, as you may have read already, is to stagger your money back in the market at a rate that makes you less uncomfortable about this. This year could be just a...
by Ice-9
Fri Dec 23, 2016 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: CareCredit for medical expenses?
Replies: 6
Views: 698

Re: CareCredit for medical expenses?

My wife used Care Credit for an expensive dental procedure a few years ago. Good experience. Probably not all that different from doing the same thing with one of those "0% for XX months" deals on a new credit card, but more convenient, as she filled out an application and was approved rig...
by Ice-9
Mon Dec 19, 2016 6:31 pm
Forum: Personal Consumer Issues
Topic: Can I get a little house or townhouse for under $400K in Maryland or Virginia?
Replies: 112
Views: 10498

Re: Can I get a little house or townhouse for under $400K in Maryland or Virginia?

Didn't read through everything, so I don't know if Rockville was mentioned. Rockville is in Montgomery County and we love living here. There are some homes (like ours) under $400k and others above, so it sort of straddles your target amount. Three Metro stations and a commuter rail station in Rockvi...
by Ice-9
Fri Dec 02, 2016 11:49 am
Forum: Investing - Theory, News & General
Topic: Rock Star Investors?
Replies: 4
Views: 720

Re: Rock Star Investors?

Apparently, Ian Anderson has done quite well, not only with his music career, but also some salmon farms in New England. http://www.celebritynetworth.com/richest-celebrities/rock-stars/ian-anderson-net-worth/ I can't guess how accurate or inaccurate that website's estimates of various celebrities' n...

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