Search found 1198 matches

by Ice-9
Thu Dec 07, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: At what age your investments start making more money than you?
Replies: 107
Views: 7141

Re: At what age your investments start making more money than you?

I would bet my salary is not that high ranking among members of this board, so I figured I might have a shot at actually having accomplished this. When I checked, close, but no cigar. For 2016, my investments' value (less contributions) increased by 85.6% of my gross salary. Well, maybe one day... E...
by Ice-9
Thu Dec 07, 2017 12:45 pm
Forum: Investing - Theory, News & General
Topic: Did Capital One 360 Savings raise rates?
Replies: 29
Views: 3109

Re: Did Capital One 360 Savings raise rates?

Just as you described, I see 1% on their website before logging in, and then the old 0.75% in the details. However, if I then click on "View Current Terms & Conditions" from the details, I get a page that includes: Rate Information - The Interest Rate on your account is 0.9954% with an Annual Percen...
by Ice-9
Fri Dec 01, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 5115

Re: How Do You Stay Current With Popular Music?

Back in 2015, I added a bunch of new Pandora stations thanks to this Boglehead thread... https://www.bogleheads.org/forum/viewtopic.php?t=161707 Maybe Petrocelli will start a new thread for 2018? :P Somewhat duplicating what many before me wrote, we get ideas for new artists to listen to from songs ...
by Ice-9
Wed Nov 22, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: How do I sell silver coins?
Replies: 13
Views: 1860

Re: How do I sell silver coins?

An easy online point of reference is APMEX, which will be willing to buy if you have a minimum of $1000 value. Here's their selling instructions: https://www.apmex.com/sell-gold-sell-silver-to-apmex If they're common coins, you may be able to find the price each of the coins you have currently sells...
by Ice-9
Mon Nov 20, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 13913

Re: Dave Ramsey says don't use credit cards, even if you pay them off

I haven't read through the entire thread, but.... 1. Long ago, I have heard about studies concluding people spend more with credit cards than with cash, and I believe them. 2. I also believe there may be *some* of this effect in my own spending, although I consider it minimal. I do FEEL the pain aft...
by Ice-9
Mon Nov 20, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Do you record customer service interactions?
Replies: 23
Views: 1218

Re: Do you record customer service interactions?

No, they need to keep notes because they are serving me. Often times, it’s not the same person. Anyway, I don’t need any more reason to be more neurotic. Where would I keep all these notes? I make most calls sitting directly in front of my computer, typing my notes into Notepad or Gedit or similar....
by Ice-9
Fri Nov 17, 2017 12:03 pm
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 98
Views: 5074

Re: Where did you first learn about investing?

1998: Kept hearing from coworkers, "Don't just let your money sit in a bank account. DO SOMETHING with it!" At age 25, had no idea how to go about that, so I asked my bank. <shakes head at my younger self> They were happy to set me up with a taxable account full of redundant large cap domestic funds...
by Ice-9
Tue Oct 31, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Using PersonalCapital, Mint, etc.... - and fraud concerns
Replies: 22
Views: 1762

Re: Using PersonalCapital, Mint, etc.... - and fraud concerns

CAP ONE: “Sharing your Capital One access credentials (with third parties) may represent a breach by you of applicable [agreement or terms and conditions),” it reads. “One of the reasons that Capital One prohibits this type of sharing is that we may not have any information regarding the use of or ...
by Ice-9
Tue Oct 31, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Bi-weekly rebalancing with purchases a bad idea?
Replies: 14
Views: 628

Re: Bi-weekly rebalancing with purchases a bad idea?

Until a few years ago, my portfolio wasn't big enough to warrant doing this. Each paycheck contribution made more of an impact than it does now. It made more sense then to make all my paycheck contributions automatically divide among my index funds according to my asset allocation every other week a...
by Ice-9
Mon Oct 30, 2017 11:34 am
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or Not - Get One? How did you choose?
Replies: 128
Views: 6609

Re: To Avatar or not to Avatar . . how did you choose or not choose?

After not having an avatar for a few years, I added one in 2013 based on reading this thread: https://www.bogleheads.org/forum/viewtopic.php?f=3&t=118611 My username comes from Vonnegut's Cat's Cradle, and when I searched Google Images at the time for something small enough to use as an avatar, this...
by Ice-9
Fri Oct 27, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Ally 12-month CD
Replies: 5
Views: 1270

Re: Ally 12-month CD

It's still October, so there's still a couple more days time to use the I-Bond as an 11-month CD earning 1.76% if you want to go that route.

See the section heading "Buying in October 2017" for more info: http://www.mymoneyblog.com/savings-i-bo ... -rate.html
by Ice-9
Thu Oct 19, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Is Ally Bank's Overdraft Transfer Service unlimited?
Replies: 7
Views: 1109

Re: Is Ally Bank's Overdraft Transfer Service unlimited?

Thank you. Been on the fence about creating accounts at Ally. Think I'll give it a try.
by Ice-9
Thu Oct 19, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Is Ally Bank's Overdraft Transfer Service unlimited?
Replies: 7
Views: 1109

Re: Is Ally Bank's Overdraft Transfer Service unlimited?

It’s easy to safeguard yourself from overdrafts: All you have to do is open an Ally Bank savings account and sign up for Ally Bank’s Overdraft Transfer Service. If your Interest Checking is inadvertently overdrawn at Ally Bank, available funds will be drawn from your linked Money Market Account or ...
by Ice-9
Thu Oct 19, 2017 6:49 am
Forum: Investing - Help with Personal Investments
Topic: Question about Personal Capital
Replies: 18
Views: 1674

Re: Question about Personal Capital

I switched from Yodlee (free, no calls, but not as good website) to Personal Capital four years ago. When I first signed up and they called, I agreed to the phone meeting with their rep out of curiosity of what they'd offer. I generally enjoy reading about other people's portfolios and comparing wit...
by Ice-9
Mon Oct 16, 2017 3:43 pm
Forum: Investing - Theory, News & General
Topic: IBonds - now or wait? [November 2017 rate]
Replies: 40
Views: 5735

Re: New I Bond Variable Rate for November 2017 - 2.48%

For those trying to sneak this in as a sort of 11-month-and-a-couple-days CD, mymoneyblog.com has calculated the effective return after losing the three-month interest penalty would be 1.76%. This beats most 1-yr CDs currently available, so it's a reasonable option right now with no state tax on the...
by Ice-9
Mon Oct 16, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Where to notarize legal zoom documents? Trouble getting witnesses
Replies: 14
Views: 1136

Re: Where to notarize legal zoom documents? Trouble getting witnesses

Last time I needed two witnesses to sign a notarized document, the bank told me that their employees were prohibited from serving as witnesses for liability reason. I did not know about such a service at the UPS stores. How much does the UPS store charge for such a service in your area? We've becom...
by Ice-9
Mon Oct 16, 2017 3:05 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 107
Views: 7463

Re: How does everyone keep track of your portfolio?

Google spreadsheet. Links to all my funds and ETFs so I can see the portfolio value in real time. When I tried this, the site posts "Google Finance is under renovation. As a part of this process, the Portfolios feature won't be available after mid-November 2017. To keep a copy, download your portfo...
by Ice-9
Thu Oct 12, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Pro and cons of the Prime offer by Amazon.......
Replies: 39
Views: 3943

Re: Pro and cons of the Prime offer by Amazon.......

Tried Prime with a free offer many years ago when all it offered was 2-day delivery. I thought it was worth it then and maintained the subscription ever since. We order a lot from Amazon. All the extras have been nice. The music with our Echo device is fun. We mostly use Netflix for streaming, but o...
by Ice-9
Wed Oct 11, 2017 4:20 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate mystery
Replies: 24
Views: 2000

Re: I Bond fixed rate mystery

Maximum was $30K and you could charge them on a credit card. Gill AND, if you bought them at the end of the month you got interest for the entire month. Did the end of month trick change? It was my impression this was still the case. The few I've bought recently I always scheduled for the 28th of t...
by Ice-9
Mon Oct 09, 2017 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Please define "cash"
Replies: 31
Views: 2177

Re: Please define "cash"

I draw the line between cash and bonds as putting vehicles in the cash category when the principal is safe and not influenced by market (in nominal terms, anyway.) 1) green paper kept under the mattress or in a safe? CASH 2) money in a local bank? CASH 3) money market account? CASH 4) short term bon...
by Ice-9
Fri Oct 06, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 5421

Re: Anyone go 100% Ally or another online bank for all banking needs?

I've had both online and brick and mortar (obviously with online presence as well) for more than a decade. I am finding that I visit the b & m bank less and less. The most recent thing that brought me there was my late mother-in-law's final social security check, which was made out to both "Ice-9's ...
by Ice-9
Thu Oct 05, 2017 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 11665

Re: Millionaire Next Door (Thank you Bogleheads)

retire57 wrote:
Thu Oct 05, 2017 3:45 pm
Yay!!! :beer

BTW, folks always refer to "The Millionaire Next Door", but rarely to Dr. Stanley's other researched-based work "Stop Acting Rich". The latter is an even more informative read, IMO.
Congrats to the OP, and thanks for the recommendation to retire57!

:sharebeer
by Ice-9
Tue Oct 03, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6595

Re: Are credit cards rewards worth it?

I actually have been tracking my credit card rewards performance for several years. These numbers are not perfect, because I used monthly statement spending amounts for simplicity, so cards with statement dates earlier in the month include more of December 2015's spending. But in 2016 I earned appro...
by Ice-9
Tue Oct 03, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 192
Views: 14000

Re: Prevent mail theft; sign for USPS Informed Delivery

Thank you, Nicolas, As you wrote, I have not received any email from the USPS today and there is no mail listed in my online account. I will wait for a few days. Victoria Victoria, FYI - When I signed up in August, I hadn't received an email at first either. I actually printed out the screen where ...
by Ice-9
Mon Oct 02, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 192
Views: 14000

Re: Prevent mail theft; sign for USPS Informed Delivery

Heartwood, my experience is the same as yours. My understanding is that my wife (or anybody else who signed up for the service at our address) would get the same scans in their email each morning that I'm currently receiving. No separation by recipient name.
by Ice-9
Mon Oct 02, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 192
Views: 14000

Re: Prevent mail theft; sign for USPS Informed Delivery

Thanks for the post, VictoriaF! I had actually heard about Informed Delivery several weeks ago via the Bogleheads thread bluebolt posted above and had signed up immediately. However, I hadn't even considered a potential security risk of my wife NOT signing up as well. She commented that I was a "gee...
by Ice-9
Mon Oct 02, 2017 1:57 pm
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 47
Views: 4538

Re: So... What bond fund or bond-like instrument do you use?

My fixed income target allocation is split 50/50 between nominal and inflation-indexed bonds. The inflation-indexed portion includes: * FSIYX - Fidelity's TIPS fund * some individual TIPS * some I-Bonds purchased back in 2003 when rates were higher The nominal portion includes: * Some SSgA Total Bon...
by Ice-9
Fri Sep 29, 2017 11:26 pm
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 64
Views: 14661

Re: Alternative to Google Finance?

Yahoo Finance [...] Just list the tickers separated by commas in the URL https://finance.yahoo.com/quotes/vti,vxus,bnd Thank you, Ice-9, for this info! Just in time too: my Google tickers all expired again, like they do every month as I don't like to be signed in all the time; and instead, I just n...
by Ice-9
Fri Sep 29, 2017 2:26 pm
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 64
Views: 14661

Re: Alternative to Google Finance?

Yahoo Finance [...] Just list the tickers separated by commas in the URL https://finance.yahoo.com/quotes/vti,vxus,bnd Thank you, Ice-9, for this info! Just in time too: my Google tickers all expired again, like they do every month as I don't like to be signed in all the time; and instead, I just n...
by Ice-9
Tue Sep 26, 2017 1:50 pm
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 64
Views: 14661

Re: Alternative to Google Finance?

I like Yahoo Finance, it's not too shabby +1 - Yahoo Finance is exactly what I use for my bookmarked equivalent ETFs for my index funds so I can check on intraday performance. Just list the tickers separated by commas in the URL https://finance.yahoo.com/quotes/vti,vxus,bnd For my actual portfolio,...
by Ice-9
Fri Sep 22, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Credit Freeze? One last step I'm taking
Replies: 10
Views: 1447

Re: Credit Freeze? One last step I'm taking

Did the same thing with my freeze information, except instead of FidSafe I used a VeraCrypt encrpted container saved to Dropbox.
by Ice-9
Mon Sep 18, 2017 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 26474

Re: Calling out the not so rich bogleheads

I discovered the predecessor to Bogleheads, the old Vanguard Diehards Forum on Morningstar, at about age 32 when I was in the net worth range the OP listed. It is now more than a decade later. Twice during this time, Bogleheads have set up a really neat Net Worth Survey, and both times I was the ver...
by Ice-9
Mon Sep 18, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze and Insurance quotes etc.
Replies: 6
Views: 657

Re: Credit Freeze and Insurance quotes etc.

In answer to the two posts above... No notice whatsoever. The part of my policy documents that itemizes the annual bill shows some parts with a slight increase (Bodily Injury up $2, Property Damage up $9, etc) and no mention of credit. Had I not seen the Bogleheads post about it and asked my agent, ...
by Ice-9
Mon Sep 18, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: LastPass Issue
Replies: 10
Views: 1143

Re: LastPass Issue

For some reason, LastPass keeps kicking me off. That is, I will be browsing websites, and all of a sudden I notice that LastPass has signed me out. This started several days ago. It’s very frustrating and annoying. Does anyone have any idea why this is happening? Thanks. I use LastPass daily, and I...
by Ice-9
Mon Sep 18, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze and Insurance quotes etc.
Replies: 6
Views: 657

Re: Credit Freeze and Insurance quotes etc.

After reading about the effect on insurance last week, I checked my rates. For three years before I implemented my freeze, my auto rate was the same. After the freeze, it went up $27/year. I contacted my agent, and he said that when they attempt to pull credit and receive a "no hit," it indeed affec...
by Ice-9
Wed Sep 13, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: What is the largest percentage of your total portfolio value that you have exchanged to rebalance?
Replies: 58
Views: 4016

Re: What is the largest percentage of your total portfolio value that you have exchanged to rebalance?

>10% in February or March 2009. I had been 84% equity / 16% fixed income. Man that hurt to do. Edit to add: I am one of those 5/25 people by rule, but that only happens rarely. I check my asset allocation spreadsheet every paycheck and when needed update the allocation of my biweekly contributions s...
by Ice-9
Tue Sep 12, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze affects SSA online account
Replies: 22
Views: 2920

Re: Credit Freeze affects SSA online account

Doesn't make sense to me why they would do that either, but... Prominently on the SSA website right now: Posted September 8, 2017: Although we sometimes use Equifax to help verify your identity when setting up a my Social Security account, Social Security never shares Social Security numbers with Eq...
by Ice-9
Tue Sep 12, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze affects SSA online account
Replies: 22
Views: 2920

Re: Credit Freeze affects SSA online account

I don't believe what you've written is completely correct. Let me offer up why I think that's the case and perhaps what might be going on. I froze my credit with all three agencies a couple of years ago. Since then I've gotten my annual notice to check my SSA account and I've had no problems being ...
by Ice-9
Sat Sep 09, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 51656

Re: Equifax customer information leak

Security folks on Twitter are now reporting that the PINS Equifax has generated for its freezes are not random numbers but rather the date and time you requested a freeze. I checked mine from years ago, and it appears to be true. :oops: Thankfully, the PINS Experian, Transunion, and Innova generated...
by Ice-9
Sat Sep 09, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 51656

Re: Equifax customer information leak

I tried Trans Union online....It was unable to verify my identify.... Ditto!! And now I'm sitting here with all the pins and other info for each of the credit agencies wondering where to put them where they won't get stolen or lost. I feel less secure than before!! :annoyed I saved PDF files with a...
by Ice-9
Thu Sep 07, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 51656

Re: Equifax customer information leak

Ya I wonder what can actually be done about it if so, other than just notifying the credit agencies.....who just got hacked themselves....lol There isn't really a catch to signing up for that is there? Are they going to do a soft pull every day...or? I feel like that doesn't seem totally legit, lik...
by Ice-9
Thu Sep 07, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 51656

Re: Equifax customer information leak

Maybe it's time for some of us to start thinking about Lifelock? I feel like this stuff is just going to get worse and worse. I've used nothing but cards for at least a decade and I've never really had an issue until recently. Got hit with a bunch iTunes charges like a lot of people did, just had a...
by Ice-9
Thu Sep 07, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 51656

Re: Equifax customer information leak

If you have a Discover Card, their recent offer to monitor the dark web for members' social security numbers sounds good. I already had my credit frozen and recently signed up for the Discover offer. Not sure what action I'd take if Discover notifies me that my SS# is out there, but I guess it's goo...
by Ice-9
Thu Sep 07, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: When doing retirement planning, do you count your spouse's savings?
Replies: 42
Views: 4411

Re: When doing retirement planning, do you count your spouse's savings?

Each year, I run our numbers into Firecalc and save screenshots of the results. I run three scenarios and save three screenshots: Me by myself living to age 100, my wife by herself living to 100, and both of us together living until the younger one of us reaches age 100. Yes, our finances are combin...
by Ice-9
Wed Sep 06, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Scanning Documents for Long Term Storage
Replies: 20
Views: 2267

Re: Scanning Documents for Long Term Storage

I think putting the information on an online depository is a good idea if you encrypt it first. I use Veracrypt an open source program hence open to be inspected by savvy users for shenanigans. +1 for creating an encrypted Veracrypt container in your cloud folder. Straightforward instructions for f...
by Ice-9
Thu Aug 31, 2017 3:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 18350

Re: Is Bogelheads getting less interesting?

I know! I know! We just need another crash to make this forum more interesting again... :twisted: In all seriousness, to this day I'm still thankful this forum helped me keep my head through 2008-9. Of course some of the same basic Bogleheads 101 topics over and over get repetitive, but I'm glad new...
by Ice-9
Thu Aug 31, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Which free software for new (late 2015) iMac
Replies: 23
Views: 1336

Re: Which free software for new (late 2015) iMac

I use Sophos, but only because my work requires it to VPN for telework. Agree about the App Store being the safest bet. However, I do use a short list of things outside of the AppStore. Your software needs may vary. * VeraCrypt * VirtualBox * Libreoffice * A few open source things that are available...
by Ice-9
Wed Aug 30, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation account placement help
Replies: 7
Views: 613

Re: Asset allocation account placement help

Doesn't look bad at all to me. I am curious though - you mentioned putting Total International in taxable to take advantage of the foreign tax credit, but some Total International is also allocated to your Roth while you listed some US Total Stock Index in taxable too. Why not max out as much Total ...
by Ice-9
Wed Aug 30, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct for $13.50
Replies: 41
Views: 3613

Re: TaxAct for $13.50

To all the returning customers saying they didn't receive the email:

I found it. I had to search through my Junk Mail folder for it, because they sent it from a different domain than usual. info@em.taxact.com Mine was sent yesterday afternoon. $13.50
by Ice-9
Thu Aug 24, 2017 4:45 pm
Forum: Personal Consumer Issues
Topic: How do you watch movies? (Theater, online streaming, DVD, etc.)
Replies: 40
Views: 3131

Re: How do you watch movies? (Theater, online streaming, DVD, etc.)

DVD - Just a few days ago, I canceled my Netflix DVD subscription after more than a decade after I realized I had a DVD sitting on our entertainment center since January that I'd been paying $5.29/mo for. So, DVDs would be a rarity, if at all, ever again. Theater - maybe one movie each year at the t...