Search found 1110 matches

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: 9063

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: 1078

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: 1086

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: 3220

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: 3220

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: 3220

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: 13685

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: 773

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: 2456

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: 425

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: 1265

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: 4415

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: 15145

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: 15
Views: 2104

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: 104
Views: 6622

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: 104
Views: 6622

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: 104
Views: 6622

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: 104
Views: 6622

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: 36
Views: 4604

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: 2200

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: 837

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: 1701

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: 2876

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: 8062

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: 8062

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: 17
Views: 2277

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: 3770

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: 8671

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: 6237

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: 649

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: 10248

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: 669

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...
by Ice-9
Sat Nov 12, 2016 9:56 am
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 12746

Re: Anybody regretting holding on to your REITS?

No regrets, and my rebalancing plan actually worked well. I needed to tap some Roth contributions this year to get additional funds for our impending adoption of a child. Of the funds in my Roth, the REIT index was way up at the time, so I withdrew from that to move closer to my target asset allocat...
by Ice-9
Tue Oct 04, 2016 3:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: How Did You Become A Boglehead? What Led You Here?
Replies: 168
Views: 14600

Re: How Did You Become A Boglehead? What Led You Here?

In the early 2000s, I asked a very intelligent, non-Boglehead friend for advice on how to get started investing. He explained Roth IRAs and 401(k)s, as well as expense ratios. He suggested index funds "for people who aren't interested in getting into the details of investing," and mentione...
by Ice-9
Fri Sep 23, 2016 2:25 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 91
Views: 8767

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: 86
Views: 6772

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: 86
Views: 6772

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: 597

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: 1513

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: 3596

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: 667

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: 1070

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: 113
Views: 14736

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: 3201

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: 1265

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: 1057

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: 3631

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: 1057

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: 5949

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...

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