Search found 1476 matches

by Ice-9
Fri Jul 10, 2020 3:46 pm
Forum: Personal Consumer Issues
Topic: "Virtual credit card number," Capital One: any reason why not?
Replies: 16
Views: 1302

Re: "Virtual credit card number," Capital One: any reason why not?

Cons: the plugin monitors websites you visit as it has to recognize checkout pages. This is annoying, but the benefits outweigh the annoyance. From the Terms and Conditions: b. Always-On/Browsing Data: The App detects check-out processes, which means it must be "always on" when enabled. In order to...
by Ice-9
Fri Jul 10, 2020 2:37 pm
Forum: Personal Consumer Issues
Topic: "Virtual credit card number," Capital One: any reason why not?
Replies: 16
Views: 1302

Re: "Virtual credit card number," Capital One: any reason why not?

Over the years, I've collected a few means to accomplish the same goal of not having a company on the internet storing my card info. It's turned into a system that probably few other people would bother with, haha. * Capital One Eno virtual numbers on my 1.5% cashback Quicksilver card * Citi virtual...
by Ice-9
Fri Jul 10, 2020 2:23 pm
Forum: Investing - Theory, News & General
Topic: Are you adjusting your REIT Allocation?
Replies: 17
Views: 1283

Re: Are you adjusting your REIT Allocation?

Hoping I don't mess up paraphrasing Bill Bernstein here... If you're allocating less than 5% to any asset class, you're just kidding yourself. Concur with the poster above - if you really feel 5% is too much REIT for you, maybe reallocate that part of your portfolio to a small or mid cap holding or ...
by Ice-9
Wed Jun 24, 2020 2:03 pm
Forum: Personal Investments
Topic: Which tool or App you use for Portfolio /Asset management
Replies: 8
Views: 470

Re: Which tool or App you use for Portfolio /Asset management

For tracking net worth and spending: Personal Capital

For asset allocation: a Google spreadsheet
by Ice-9
Mon Jun 22, 2020 4:45 pm
Forum: US Chapters
Topic: Happy Birthday Mel Lindauer - 6/22/2020
Replies: 58
Views: 2847

Re: Happy Birthday Mel Lindauer - 6/22/2020

Happy Birthday Mel!
by Ice-9
Mon Jun 15, 2020 4:57 pm
Forum: Investing - Theory, News & General
Topic: New "Money In Excel"
Replies: 46
Views: 7000

Re: New "Money In Excel"

I'm currently happy with my so far six-year experience with Personal Capital (which followed almost a decade using Yodlee MoneyCenter.) One thing that did always bug me though - there was some speculation on this forum that using services such as Yodlee and Personal Capital might violate security ag...
by Ice-9
Fri Jun 12, 2020 10:46 am
Forum: Personal Investments
Topic: This seems better than nominal treasury or corporate bonds, am I missing something?
Replies: 41
Views: 3746

Re: This seems better than nominal treasury or corporate bonds, am I missing something?

Well that's where the annual inflation adjustment comes in. The principal amount gets adjusted annually by the declared CPI value for that year. I believe the "annual" part of this statement is incorrect. Articles by Tipswatch often refer to monthly adjustments. The breakeven inflation rate for nom...
by Ice-9
Fri Jun 12, 2020 9:09 am
Forum: Personal Investments
Topic: Vanguard vs. Fidelity
Replies: 123
Views: 9484

Re: Vanguard vs. Fidelity

These Zero funds are not recommended in taxable accounts, because they aren't portable if you ever switch to another company and would require incurring a taxable event. Good point, I'd have missed that. Does it mean if I transfer my taxable "in kind" to another custodian, it's not taxable? Exactly...
by Ice-9
Fri Jun 12, 2020 9:03 am
Forum: Investing - Theory, News & General
Topic: Why have our employers only offered mutual funds (and not stocks / bonds / ETFs)?
Replies: 34
Views: 1763

Re: Why have our employers only offered mutual funds (and not stocks / bonds / ETFs)?

My workplace's plan technically only offers mutual funds, as you described. However, they also offer a self-directed brokerage window, which at Fidelity is called BrokerageLink. There, I can buy any ETFs, individual stocks, individual bonds, and even most mutual funds I want. It's basically like a t...
by Ice-9
Thu Jun 04, 2020 4:26 pm
Forum: Personal Investments
Topic: Vanguard vs. Fidelity
Replies: 123
Views: 9484

Re: Vanguard vs. Fidelity

I have a Roth IRA at Vanguard and my workplace retirement accounts at Fidelity. Funds tracking the broad market indices recommended on this forum will be similar at Fidelity and Vanguard and anywhere else... S&P 500 Index Total Stock Market Index Total International Index Total Bond Market Index etc...
by Ice-9
Tue Jun 02, 2020 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Did you see a drop in your expenses in May?
Replies: 29
Views: 1780

Re: Did you see a drop in your expenses in May?

For more than a decade, I've mostly lived by Boglehead principles. We don't buy luxury items, we invest all we can, we avoid high expenses. The biggest thing I've always pictured most folks on this forum disapproving of from our usual spending is restaurants. We live in a great area to dine out and ...
by Ice-9
Fri May 01, 2020 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Is it safe to store financial statements in the cloud?
Replies: 48
Views: 3479

Re: Is it safe to store financial statements in the cloud?

Check out this free service by Fidelity Labs (?)... fidsafe.com Otherwise, if using Dropbox, etc, I would first encrypt the files/folder using something like TrueCrypt.. just make sure that you keep the keys safe on several places (office, home, other relative's PCs). My 2cents. Pax beat me to it, ...
by Ice-9
Thu Apr 30, 2020 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25123

Re: IRS Get My Payment up and running

Here's how my payment went, in case anyone find this helpful: April 15 - submitted my bank info on the Get My Payment website. They likely didn't have it because I owed in 2019 (which the IRS stated they wouldn't use for direct deposit purposes) and had a refund direct deposited in 2018 to an accoun...
by Ice-9
Tue Apr 28, 2020 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: New 2020 Form W-4
Replies: 7
Views: 519

Re: New 2020 Form W-4

Have you tried the IRS' calculator?
https://www.irs.gov/individuals/tax-wit ... -estimator

I used it with success in previous years.
by Ice-9
Mon Apr 27, 2020 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One Bank bonus $450
Replies: 23
Views: 5064

Re: Capital One Bank bonus $450

Are we sure this is for existing customers only? This page appears geared towards at least including new customers (if not aimed at them altogether): https://www.capitalone.com/score500/ When you open a 360 Performance Savings account, you’ll earn 1.50% APY (Annual Percentage Yield) on any balance—a...
by Ice-9
Tue Apr 14, 2020 12:30 pm
Forum: Investing - Theory, News & General
Topic: What does it mean to stick to your allocation? - Part 1
Replies: 34
Views: 958

Re: What does it mean to stick to your allocation? - Part 1

A is maintaining his/her target allocation.

B is accepting an allocation that changes with the market. Or, as others have stated above, possibly B is waiting for a calendar trigger to rebalance.

As long as both are following their IPS, they are both fine. (I personally follow A.)
by Ice-9
Tue Mar 10, 2020 4:06 pm
Forum: Investing - Theory, News & General
Topic: I Bonds are a screaming buy - Tipswatch
Replies: 138
Views: 22117

Re: I Bonds are a screaming buy - Tipswatch

The monthly value of a $25 I Bond is rounded to the nearest penny and larger I Bonds are scalings of this. E.g., each monthly value of a $10,000 I Bond with be 400 times the value of a $25 bond. This is off the topic of the original post, but thank you #Cruncher for solving one of my biggest myster...
by Ice-9
Mon Mar 09, 2020 5:17 pm
Forum: Personal Investments
Topic: Rebalancing early in fearful times
Replies: 17
Views: 1172

Re: Rebalancing early in fearful times

Around 3 pm today I made a copy of my asset allocation spreadsheet and quickly adjusted numbers for the daily moves on ETF versions of my funds. My rebalancing thresholds are set by Larry Swedroe's 5/25 Rule. My overall stock/bond allocation was almost but not quite there - target 70/30 and I think ...
by Ice-9
Fri Mar 06, 2020 11:51 am
Forum: Investing - Theory, News & General
Topic: Be fearful when others are greedy. Be greedy when others are fearful.
Replies: 129
Views: 9222

Re: Be fearful when others are greedy. Be greedy when others are fearful.

I don't have a large amount of unallocated cash handy, but what little I have I'm throwing in the market.

I haven't yet hit my rebalancing bands (per Swedroe 5/25 rule), so I'm not selling bonds to buy stocks at this point.
by Ice-9
Thu Mar 05, 2020 9:31 am
Forum: Investing - Theory, News & General
Topic: Early sources of 'Bogle's Folly'
Replies: 3
Views: 595

Re: Early sources of 'Bogle's Folly'

If I were on a quest to find an early use of the term, I might start by looking for the June 1975 issue of Fortune Magazine just to see if someone happened to be quoted using it there. Bogle founded The Vanguard Group in 1974 and started the Vanguard 500 Index Fund (VFINX) (then called the First Ind...
by Ice-9
Mon Feb 24, 2020 9:27 pm
Forum: Investing - Theory, News & General
Topic: Net worth approaching lifetime earnings. How many years did it take?
Replies: 50
Views: 5943

Re: Net worth approaching lifetime earnings. How many years did it take?

Mid-40's and my net worth is about 65% of lifetime earnings on the Social Security statement. As I added the totals up, it was looking like I might make it to "approaching lifetime earnings" until I added in the last five years, during which I had bigger salary increases. So, I guess I can't complain.
by Ice-9
Sun Feb 23, 2020 9:07 pm
Forum: Investing - Theory, News & General
Topic: Early Retirement Now: Do Bonds Really Belong in Retirement Accounts?
Replies: 93
Views: 6568

Re: Early Retirement Now: Do Bonds Really Belong in Retirement Accounts?

In my portfolio, I Bonds serve as an inflation-protected tax-advantaged emergency fund. Should I find myself facing both high unexpected inflation *and* a job market that no longer sustains my income *and* market conditions that batter my portfolio, I Bonds could be just enough to see me through. I...
by Ice-9
Sun Feb 23, 2020 11:48 am
Forum: Investing - Theory, News & General
Topic: Early Retirement Now: Do Bonds Really Belong in Retirement Accounts?
Replies: 93
Views: 6568

Re: Early Retirement Now: Do Bonds Really Belong in Retirement Accounts?

I am unable to fill my available tax-advantaged space each year. Other than Series I savings bonds purchased in the early 2000s (with yields that beat my fixed income options today) which are tax-deferred vehicles until 2033 as long as I don't redeem them early, my retirement savings is entirely tax...
by Ice-9
Sun Feb 23, 2020 10:29 am
Forum: Personal Consumer Issues
Topic: Microsoft OneDrive questions
Replies: 48
Views: 2903

Re: Microsoft OneDrive questions

I keep sensitive documents (anything with account numbers or SS numbers) in a Veracrypt encrypted container on my OneDrive. I try to only work with sensitive info on actual computers anyway rather than a phone or tablet, so this isn't really inconvenient for me. When needed, I can open the container...
by Ice-9
Sat Feb 22, 2020 10:38 am
Forum: Personal Finance (Not Investing)
Topic: How Many Accounts for Cash?
Replies: 52
Views: 3991

Re: How Many Accounts for Cash?

I admire the simplicity of one account, but I admit I am way on the other end of the spectrum. More than a decade ago, I rate-chased for about a year as rates were climbing and banks were competing, and I ended up with a bunch of accounts. Rather than letting all of the non-winning accounts of my ra...
by Ice-9
Mon Feb 17, 2020 9:54 am
Forum: Personal Consumer Issues
Topic: Credit Karma Tax - free and recommended (issues from prior years resolved)
Replies: 15
Views: 1132

Re: Credit Karma Tax - free and recommended (issues from prior years resolved)

I would try it, but it appears to still not support foreign tax credit. When I used it this year I didn't have a FTC to report myself. But Google tells me it can support it unless Form 1116 is needed (over $600 for MFJ): Credit Karma Tax supports the Foreign Tax Credit up to $300 for single-person ...
by Ice-9
Sun Feb 16, 2020 2:43 pm
Forum: Personal Consumer Issues
Topic: Credit Karma Tax - free and recommended (issues from prior years resolved)
Replies: 15
Views: 1132

Re: Credit Karma Tax - free and recommended (issues from prior years resolved)

I tried Credit Karma Tax for the first time this year after several years of using TaxAct and Turbo Tax. I would describe the user experience as clunkier with more clicking than the other two products and less hand-holding, but I was happy to trade that for free software. I actually did TaxAct in an...
by Ice-9
Sun Feb 16, 2020 2:29 pm
Forum: Personal Consumer Issues
Topic: Microsoft Office free online version
Replies: 14
Views: 1753

Re: Microsoft Office free online version

I believe the OP is speaking of the free online versions of Office products that come with a free outlook.com or Skype or OneDrive account. I use these extensively. I used to use Google Spreadsheets and Google Docs, but have found I prefer the online Microsoft products slightly. The biggest advantag...
by Ice-9
Mon Feb 10, 2020 12:10 am
Forum: Investing - Theory, News & General
Topic: 2020 I Bonds: what's your plan?
Replies: 55
Views: 7580

Re: 2020 I Bonds: what's your plan?

I buy I-Bonds, but not as part of my portfolio. Rather, I slowly over time put the "upper tier" of my emergency fund there. I acknowledge what I put in I-Bonds can't be accessed for 11 months and a couple days (if I buy at the end of the month) and in exchange get for that part of my emergency fund:...
by Ice-9
Sat Feb 08, 2020 11:32 am
Forum: Personal Consumer Issues
Topic: Do you buy plastic bags for your home trash bins?
Replies: 99
Views: 7292

Re: Do you buy plastic bags for your home trash bins?

Compostable bags sound like a good idea, but if you're tossing them into the regular waste stream where they end up in a landfill, you're wasting your money. The compostable bags are meant for locations that do food composting. They’re not really useful for anything else. Small and very flimsy. And...
by Ice-9
Sat Feb 08, 2020 11:25 am
Forum: Personal Consumer Issues
Topic: Do you buy plastic bags for your home trash bins?
Replies: 99
Views: 7292

Re: Do you buy plastic bags for your home trash bins?

Compostable bags sound like a good idea, but if you're tossing them into the regular waste stream where they end up in a landfill, you're wasting your money. The composting process requires oxygen and, for the most part, landfills are sealed, airtight — and therefore oxygen-free — containers within...
by Ice-9
Sat Feb 08, 2020 11:16 am
Forum: Investing - Theory, News & General
Topic: Funny Money [How do you invest your "play money"?]
Replies: 28
Views: 1764

Re: Funny Money [How do you invest your "play money"?]

In the mid-2000s, I had some play money: * small amounts in a few individual stocks, some of which coordinated with a day-trader friend more for social purposes than investing * I participated pretty heavily in Prosper P2P loans for a few years Somewhere around 2008-9 I liquidated my individual stoc...
by Ice-9
Thu Feb 06, 2020 6:02 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27759

Re: What is the best concert you ever witnessed?

Early 90s, can't remember exact years:
(1) Pink Floyd
(2) Guns N Roses / Metallica
(3) Clash of the Titans (Alice in Chains opening for Anthrax, Megadeth, and Slayer)
by Ice-9
Thu Feb 06, 2020 5:20 pm
Forum: Personal Consumer Issues
Topic: Do you buy plastic bags for your home trash bins?
Replies: 99
Views: 7292

Re: Do you buy plastic bags for your home trash bins?

Like many above, we use tall kitchen bags for the main trash can and grocery bags for the bathroom/other small cans. However, I'm considering a change. I used to use most of the grocery bags for picking up our dog's waste on walks. A few months ago, I realized I've likely created thousands of impene...
by Ice-9
Fri Jan 10, 2020 5:59 pm
Forum: Investing - Theory, News & General
Topic: Net Worth ??
Replies: 129
Views: 12639

Re: Net Worth ??

I have used net worth calculations for two purposes so far in life: (1) track financial progress (2) provide financial information on adoption applications Neither of the above uses of net worth seemed to demand tax liability be figured into the number. Now, when I run Firecalc (which uses my portfo...
by Ice-9
Tue Jan 07, 2020 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Business credit card rules?
Replies: 27
Views: 2018

Re: Business credit card rules?

In the mid-2000s, I was getting all sorts of credit card offers in the mail and decided to play the "try-to-optimize-cashback" game. I seemed to have every significant spending category covered by one card or another except for restaurants. I had avoided the only mail solicitation I was getting for ...
by Ice-9
Sun Dec 29, 2019 3:08 pm
Forum: Investing - Theory, News & General
Topic: Tipranks
Replies: 11
Views: 867

Re: Tipranks

Tipranks looks like a site for individual stock recommendations. This forum is geared towards passive investors who mostly prefer broad market index funds rather than picking individual stocks. Most readers of this forum probably wouldn't read a site like tipranks.
by Ice-9
Sat Dec 14, 2019 3:40 pm
Forum: Investing - Theory, News & General
Topic: Do TIPS work? How do we know?
Replies: 168
Views: 8669

Re: Do TIPS work? How do we know?

That being said, TIPS only 'hedge' the funds used to buy the TIPS, not the rest of your portfolio. This is a critical point lost on many people. This fact makes TIPS a poor hedge against inflation for the overall portfolio unless most of the portfolio is invested in TIPS. Right. That's why I have a...
by Ice-9
Fri Dec 06, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: Downsizing CDs, Tapes Etc.
Replies: 50
Views: 4031

Re: Downsizing CDs, Tapes Etc.

I've found most radio stations I try to listen to on my Echo are there if I ask, "Alexa play WKRP" (insert actual call letters.) If I try by common name of the radio station, sometimes it works, sometimes it doesn't. If I ask for Bloomberg radio, for example, for some reason it wants to play the San...
by Ice-9
Tue Dec 03, 2019 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Q4 category - how to use? [2019]
Replies: 55
Views: 12314

Re: Chase Freedom Q4 category - how to use? [2019]

Also, as today is Giving Tuesday, thought I'd mention that many, many charities accept PayPal, and I can confirm that Chase gives you the 5% cashback on such donations. If a charity doesn't accept PayPal on their website, if they are acknowledged as a charity on Facebook you can donate via a Faceboo...
by Ice-9
Thu Nov 21, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: First Foundation Bank 2.4% Savings
Replies: 12
Views: 1631

Re: First Foundation Bank 2.4% Savings

I made five attempts to open a First Foundation Bank savings account online on November 13, but my applications were rejected each time with the following message: "We were unable to identify you. Thank you for inquiring about an account with First Foundation Bank. Unfortunately, we are unable to a...
by Ice-9
Thu Nov 14, 2019 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Are complicated credit card cash back strategies worth it?
Replies: 131
Views: 14922

Re: Are complicated credit card cash back strategies worth it?

I will admit my own cashback strategy has gotten a bit complicated. I think the worst part is keeping track of two cards that have seasonal 5% cashback categories that change. If someone starting their own strategy from scratch asked me what I recommend, I'd probably say avoid the quarterly category...
by Ice-9
Tue Nov 12, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: Is LastPass still top in security, any reason to switch?
Replies: 47
Views: 5806

Re: Is LastPass still top in security, any reason to switch?

My recommendation is to write down financial services (e.g. banks and brokerage firms --- not so much CC companies) passwords in a safe place at home, and use LastPass for everything else. A paper with written passwords presents new vulnerabilities. I recommend a digital record of the passwords sep...
by Ice-9
Tue Nov 12, 2019 11:00 am
Forum: Personal Consumer Issues
Topic: Is LastPass still top in security, any reason to switch?
Replies: 47
Views: 5806

Re: Is LastPass still top in security, any reason to switch?

My recommendation is to write down financial services (e.g. banks and brokerage firms --- not so much CC companies) passwords in a safe place at home, and use LastPass for everything else. A paper with written passwords presents new vulnerabilities. I recommend a digital record of the passwords sep...
by Ice-9
Thu Nov 07, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: "Beer Money" Methods
Replies: 54
Views: 7706

Re: "Beer Money" Methods

Here's mine: (1) Cashback credit cards optimized - 6% on a few things with AMEX, 3%-5% on some other things with other cards, and 2% on everything else with Citi Doublecash - totals close to $2000 per year (2) My work implements the Virgin Pulse app for health. For counting steps, reading health tip...
by Ice-9
Sun Oct 20, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: Wallets [Do you carry a wallet?]
Replies: 102
Views: 9651

Re: Wallets [Do you carry a wallet?]

I'm a veteran of playing the credit card cashback optimization game, which means a number of cards to cover various categories of purchases, and I've been enjoying using Apple Pay to be able to easily switch between software versions of my cards to free myself of carrying all of them. However, like ...
by Ice-9
Sun Oct 20, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 shaking up savings accounts
Replies: 61
Views: 22726

Re: Capital One 360 shaking up savings accounts

I have a savings account at 360 with basically nothing in it and another for my son. It's a joint account, but he is the owner. I'm wondering how complicated it would be to open similar accounts at the higher rate? Anyone who opened an account know if the application had information for creating a ...
by Ice-9
Tue Oct 15, 2019 4:26 pm
Forum: Personal Consumer Issues
Topic: coin collection - sell or keep?
Replies: 17
Views: 2674

Re: coin collection - sell or keep?

JM Bullion and APMEX are two reputable online dealers. Wouldn't hurt to look up on their websites what they might pay you for them.

https://www.jmbullion.com/sell-to-us/

https://www.apmex.com/sell-gold-sell-silver-overview
by Ice-9
Tue Oct 15, 2019 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Safe Harbor through Withholding
Replies: 22
Views: 1152

Re: Safe Harbor through Withholding

Regarding your questions (a) and (c): (1) If you happen to have an inherited IRA at Vanguard or other brokerage with similar features, you could make a withdrawal and withhold 100%, effectively making a payment to the IRS. (2) While I've never personally used it, this IRS page discusses an online pa...