Search found 1317 matches

by Ice-9
Fri Nov 09, 2018 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date vs 2 or 3 Fund Portfolio
Replies: 7
Views: 862

Re: Target Date vs 2 or 3 Fund Portfolio

I guess the answer to your question mostly rests on whether you prefer... (a) letting Vanguard handle the fund selection, asset allocation, rebalancing, and glide path for your portfolio or (b) setting up and maintaining all of the above on your own, with a few basis points discount to your overall ...
by Ice-9
Fri Nov 09, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 50
Views: 3569

Re: Paper or Paperless? How and what financial records do you keep?

We're all hosed if .pdf format becomes obsolete. I'm kind of joking and kind of not. Something I do think about. VHS anybody? Agree that would be a pain. But PDF has become so widely used for so long that I can't imagine that when something better comes along there won't be a long period where the ...
by Ice-9
Fri Nov 09, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 50
Views: 3569

Re: Paper or Paperless? How and what financial records do you keep?

I've been almost 100% paperless for a few years now. * Encrypted containers (VeraCrypt) for statements, taxes, health, and some specific purposes too. Most PDFs downloaded from websites, but occasionally I scan one too. * Veracrypt containers reside in a folder in my Google Drive folder, and VeraCr...
by Ice-9
Tue Nov 06, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 50
Views: 3569

Re: Paper or Paperless? How and what financial records do you keep?

I've been almost 100% paperless for a few years now. * Encrypted containers (VeraCrypt) for statements, taxes, health, and some specific purposes too. Most PDFs downloaded from websites, but occasionally I scan one too. * Veracrypt containers reside in a folder in my Google Drive folder, and VeraCry...
by Ice-9
Thu Nov 01, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate = 0.5%
Replies: 86
Views: 7627

Re: I Bond fixed rate = 0.5%

I'm considering redeeming some of my first I Bonds from a year ago (0.1% fixed) to roll them into the new rate. Good point. What's the calculation to decide if the lost interest from the older I bonds (if <5 years old) is worth it for the new higher fixed rate? For me, since I-Bonds more than a yea...
by Ice-9
Thu Nov 01, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate = 0.5%
Replies: 86
Views: 7627

Re: I Bond fixed rate = 0.5%

I'm considering redeeming some of my first I Bonds from a year ago (0.1% fixed) to roll them into the new rate. Good point. What's the calculation to decide if the lost interest from the older I bonds (if <5 years old) is worth it for the new higher fixed rate? For me, since I-Bonds more than a yea...
by Ice-9
Tue Oct 30, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: Giving up on GoogleSpreadsheets. Need alternative.
Replies: 29
Views: 3895

Re: Giving up on GoogleSpreadsheets. Need alternative.

I doubt the OP is doing anything wrong. Google Finance will fail intermittently when large numbers of queries are ran. Your example case of "it works" is too simple to reach any conclusion. Enter in about 30 ticker symbols including calculations that require dependencies between cells and it won't ...
by Ice-9
Mon Oct 29, 2018 9:11 pm
Forum: Investing - Theory, News & General
Topic: 401k down 8% this month
Replies: 58
Views: 6818

Re: 401k down 8% this month

It's for times like when a portfolio goes down 8% in a month when I take a look at screenshots I've saved from my past portfolio, like this one from September 29, 2008:

Image
by Ice-9
Mon Oct 29, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: David Swensen Unconventional Success
Replies: 99
Views: 8720

Re: David Swensen Unconventional Success

I read Unconventional Success in 2009 or 2010, not too long after doing the following: * learning of Diehards/Bogleheads in 2006 or so and getting started with a high-equity but Bogleheadish portfolio * experiencing the 2008-9 crash and realizing I wanted to make my portfolio slightly less risky * c...
by Ice-9
Wed Oct 24, 2018 8:21 am
Forum: Investing - Theory, News & General
Topic: Do you use mobile apps to assist with your investments?
Replies: 27
Views: 2351

Re: Do you use mobile apps to assist with your investments?

Rather than an app, I use a Google Spreadsheet to tell me such things. The first sheet lists my target and actual percentage allocations to the various asset classes that are art of my investment plan. It pulls the amounts from the second sheet that lists all my funds and updates the balances accor...
by Ice-9
Wed Oct 24, 2018 7:39 am
Forum: Personal Consumer Issues
Topic: Temporary Credit Freeze Lift and non-required PINs - no security
Replies: 19
Views: 2280

Re: Temporary Credit Freeze Lift and non-required PINs - no security

Thank you OP for posting this. As I result, I've tested each of my pins acquired back in 2015. EXPERIAN Per US PIRG suggestion, I permanently removed my freeze and then re-added and created a new pin. EQUIFAX I created an account at my.equifax.com. The language on the page indicated I would need my ...
by Ice-9
Sat Oct 20, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: Do you use mobile apps to assist with your investments?
Replies: 27
Views: 2351

Re: Do you use mobile apps to assist with your investments?

Rather than an app, I use a Google Spreadsheet to tell me such things. The first sheet lists my target and actual percentage allocations to the various asset classes that are art of my investment plan. It pulls the amounts from the second sheet that lists all my funds and updates the balances accord...
by Ice-9
Wed Oct 17, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 16849

Re: Where would you go for financial guidance if you win the Megamillions?

A non-Boglehead friend not particularly interested in financial matters who plays the lottery regularly asked me a few years ago what I would do with the money if I won a jackpot on the order of hundreds of millions of dollars. I said I would take the lump sum, first put aside enough for the taxes, ...
by Ice-9
Tue Oct 16, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 51
Views: 5530

Re: Jury duty - already booked vacation

One time I had Federal Jury Duty, which involves being on call to come in if needed for four Tuesdays in a row. Just before the last of the four Tuesdays, a relative told me I needed to travel several states away to say my last goodbyes to a relative in hospice. I left several messages, but had to l...
by Ice-9
Wed Oct 03, 2018 10:22 am
Forum: Investing - Theory, News & General
Topic: Why does Vanguard reccomend 60:40 US:International ratio?
Replies: 52
Views: 7771

Re: Why does Vanguard reccomend 60:40 US:International ratio?

Because they knew I'd been doing it the last decade and a half and wanted to be just like me. :sharebeer Ha! Well, I'm sure Vanguard's reasons are more well defined, but for me: * Started with 50/50 being a rough approximation of market weight * factored in that international funds have disadvantage...
by Ice-9
Mon Oct 01, 2018 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Where to keep emergency fund?
Replies: 15
Views: 1317

Re: Where to keep emergency fund?

When my real life friends ask me similar questions, I usually point them to the latest of these monthly blog posts. There should be a new one within a few days. https://www.mymoneyblog.com/best-interest-rates-on-cash-september-2018.html Edit to add new link for October 2018: https://www.mymoneyblog....
by Ice-9
Thu Sep 27, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Am I using facebook correctly?
Replies: 43
Views: 3384

Re: Am I using facebook correctly?

OP and others interested in better controlling Facebook content: About a year ago I discovered a browser extension called Social Fixer. The gist is this extension allows you to customize filters for the posts in your feed. Their flagship canned filter is for political posts, but if you like politica...
by Ice-9
Mon Sep 24, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: Suntrust Bank online banking has been down since Sunday.
Replies: 9
Views: 1136

Re: Suntrust Bank online banking has been down since Sunday.

Received an email from SunTrust about this today. Dear (Ice-9): I want to apologize personally for any inconvenience the disruption in our digital systems early last week caused you or your business. I understand and regret your frustration, and our team stands ready to work with you on any concerns...
by Ice-9
Fri Sep 21, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: [Credit freezes and un-freezes are now free]
Replies: 58
Views: 2511

Re: Credit freezes are now free

Thank you for the announcement! I knew this was coming, but didn't know the date off the top of my head. Credit for both wife and myself have been frozen for a few years now, but it's nice to know: (a) any temporary unfreezes in the future will be free no matter which bureau, and (b) there will be o...
by Ice-9
Thu Sep 20, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8827

Re: Physical Banking - Any benefits anymore?

As an alternative to a bank notary, most UPS Stores offer notary services... Not for free I've used UPS notary and its not very expensive. I assume I'm like everybody else in that you don't need notary services very often. I don't prefer to pay $10-12 for something I can pay $0 for it when all I ne...
by Ice-9
Wed Sep 19, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: How to watch baseball playoffs without cable
Replies: 36
Views: 2372

Re: How to watch baseball playoffs without cable

Sling TV actually has two plans - Blue and Orange. Fox Sports 1, which carries MLB playoffs, is on the Blue plan.
by Ice-9
Tue Sep 18, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Suntrust Bank online banking has been down since Sunday.
Replies: 9
Views: 1136

Re: Suntrust Bank online banking has been down since Sunday.

We recently opened an account with SunTrust solely to obtain a safe deposit box. We keep just over the no-fee minimum balance + annual deposit box fee in there. We do nothing with that account except schedule a Treasury bill from Treasury Direct to redeem there every once in a while and reinvest the...
by Ice-9
Sat Sep 08, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Can you hold treasuries and/or CDs in a 401k account?
Replies: 7
Views: 650

Re: Can you hold treasuries and/or CDs in a 401k account?

Thanks for the replies. Yes, I have a Fido brokerage link account. The Fido website says to refer to the plan documents for a list of allowed/not allowed investments, and the plan documents say to look to the Fido documentation. A circular denial of information. Anyway, I logged in to my Fido accou...
by Ice-9
Fri Sep 07, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Encryption Solution: Local + Cloud
Replies: 60
Views: 3537

Re: Encryption Solution: Local + Cloud

My encryption scenario is similar to many above, but I'll chime in too, as I have a small twist to add. * I use VeraCrypt with Google Drive. Similar to user 2015 above, I break up my encryption archives into four containers to reduce the wait for each update to upload. However, I break it up by gene...
by Ice-9
Fri Aug 31, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle, online payments
Replies: 53
Views: 4514

Re: Zelle, online payments

Used it once, when Allstate wanted offered to reimburse me after an accident via Zelle or check, I signed up for Zelle and the payment receipt went smoothly. Have never used it to pay anyone since. My kids use venmo among their friends. I use paypal mostly for ebay but sometimes other sites where I...
by Ice-9
Thu Aug 30, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle, online payments
Replies: 53
Views: 4514

Re: Zelle, online payments

I used to happily use ING/Capital One 360's older P2P payment system to pay any friends until they replaced it with Zelle maybe two years ago. At first, I think I agree with the above poster who said it wasn't ready for prime time, as a couple people I tried to pay with it for the first time complai...
by Ice-9
Tue Aug 14, 2018 9:34 am
Forum: Investing - Theory, News & General
Topic: Why invest in international?
Replies: 40
Views: 9640

Re: Why invest in international?

Lots of great replies already. Just wanted to add one more visual explanation - the famous Periodic Table of Investment Returns: https://www.callan.com/wp-content/uploads/2018/01/Callan-PeriodicTbl_KeyInd_2018.pdf Look at the relative positions of the gray International return and the olive S&P 500 ...
by Ice-9
Fri Aug 10, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Should I Buy a Tablet?
Replies: 16
Views: 1416

Re: Should I Buy a Tablet?

I had similar requirements as the OP and also pondered for a long time whether to buy a tablet. I even had a cheap "Transformer" Android tablet with detachable keyboard for a few years that came in handy for note taking a number of times but otherwise was mostly a waste of money. Then after some rec...
by Ice-9
Sat Aug 04, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 5052

Re: Which diet soda pop do you enjoy?

Through about age 33 (I'm 45 now), my friends always joked about how much regular Coke I drank. At that point, I switched to low calorie drinks and lost almost 40 pounds that year. Today, I prefer Diet Pepsi to Diet Coke, but could drink the latter in a pinch. I also drink a lot of flavored waters w...
by Ice-9
Fri Aug 03, 2018 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement plan Fido Brokeragelink and FZROX and FZILX
Replies: 5
Views: 893

Re: Retirement plan Fido Brokeragelink and FZROX and FZILX

About an hour ago, I called Fidelity and asked the same question. I can verify, we can't buy the Zero funds in BrokerageLink. However, I was pleasantly surprised that all of my Fidelity index funds have at least had their expense ratios go down considerably.
by Ice-9
Mon Jul 30, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 91
Views: 7385

Re: Are Credit Cards Actually Convenient?

Echoing everyone who says the OP's experience seems unusual. The only thing resembling this experience I've encountered is with my Discover Card. Discover IT offers: A. 5% cashback on a category that changes every three months and B. Discover Deals, which offer 5% or higher cashback at specific reta...
by Ice-9
Fri Jul 20, 2018 1:32 pm
Forum: Investing - Theory, News & General
Topic: Saving 20% of paycheck isn't enough
Replies: 112
Views: 14489

Re: Saving 20% of paycheck isn't enough

I haven't read through all of the many responses so far, so I'm not sure if anyone has mentioned Wade Pfau's study on savings rates from a few years ago. Based on data from 1871 to the time of the study, Wade Pfau found that a 16.62% savings rate would have worked for any 30-year period during that ...
by Ice-9
Wed Jul 11, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 122
Views: 9857

Re: Keeping a checkbook register

OP, thank you for this thread. I was taught to use a check register by my late grandmother when I was in my 20s in the 1990s. I have never written too many checks per year ever, but always filled out the register for the few I did write, following this lesson from her. Like many who posted above, th...
by Ice-9
Fri Jul 06, 2018 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Can you help me figure out how much emergency fund $ I REALLY need?
Replies: 38
Views: 3160

Re: Can you help me figure out how much emergency fund $ I REALLY need?

This might deserve it's own thread or some searching, but care to give any tips on CDs? I'm aware of what they generally are, but I guess I mean more like... in the US, who has the most competitive CDs right now, and any tips? Any info about early withdrawl of a CD should I need it? I'm guessing I ...
by Ice-9
Tue Jul 03, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: Treasury Auction - Nobody Came: "Great T-Bill Massacre"
Replies: 145
Views: 12891

Re: Treasury Auction - Nobody Came: "Great T-Bill Massacre"

I did! I bought the 4-wk yesterday! I must be a genius! *

* actually, a good part of my emergency fund is split into four rolling t-bills, so I buy every week...
by Ice-9
Mon Jul 02, 2018 10:13 am
Forum: Investing - Theory, News & General
Topic: Emerging Markets in Bear Territory
Replies: 65
Views: 9185

Re: Emerging Markets in Bear Territory

What are some fund names at VG and Fido for this EM? At Vanguard, it's FTSE Emerging Markets . At Fidelity, it's iShares Core MSCI Emerging Markets ETF . Note that the latter includes South Korea as an emerging market. iShares trade commission free at Fidelity and the ETF you mentioned is a good op...
by Ice-9
Sun Jul 01, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: Treasury Direct website down all day (7/1)
Replies: 23
Views: 2049

Re: Treasury Direct website down all day (7/1)

So it's not just me!

:happy

I've been trying to change my number of reinvestments on a t-bill from 6 to 0 to cash it out when it matures, and I'm getting the same error. It said to try again later, so I suppose I'll try again tomorrow morning.
by Ice-9
Fri Jun 29, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Online backup service for a few TB's of data and a 2nd computer with a small amount of data
Replies: 50
Views: 2461

Re: Online backup service for a few TB's of data and a 2nd computer with a small amount of data

I'm another previous Crashplan for Home user. A few months ago, I researched a bunch of options, and decided on Backblaze for $50/yr for a computer and connected drives. https://www.cloudwards.net/carbonite-vs-backblaze-vs-idrive/ My wife is reluctant to get a Backblaze subscription herself, so I'm...
by Ice-9
Fri Jun 29, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Online backup service for a few TB's of data and a 2nd computer with a small amount of data
Replies: 50
Views: 2461

Re: Online backup service for a few TB's of data and a 2nd computer with a small amount of data

I'm another previous Crashplan for Home user. A few months ago, I researched a bunch of options, and decided on Backblaze for $50/yr for a computer and connected drives. I had been considering using free open source software Duplicati to backup for free to our existing OneDrive (they do other cloud ...
by Ice-9
Mon Jun 25, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand Roth vs Traditional IRA
Replies: 34
Views: 1708

Re: Help me understand Roth vs Traditional IRA

Suppose you earn too much to deduct the contributions to a traditional IRA. So you put in after tax money to contribute annually. Why would you not do a Roth conversion? Of course you would. But I believe the point of the OP was specific to the Roth vs Traditional argument rather than whether Roth ...
by Ice-9
Mon Jun 25, 2018 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand Roth vs Traditional IRA
Replies: 34
Views: 1708

Re: Help me understand Roth vs Traditional IRA

Mathmatically, as long as you are in identical tax brackets when you contribute and when you withdraw a Roth and Traditional are identical How is that possible? When you contribute $5K to a traditional IRA the tax that you save comes from your marginal tax rate . When you withdraw, the tax that you...
by Ice-9
Fri Jun 22, 2018 2:53 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 220
Views: 38148

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

Thank you Taylor! Looking forward to reading.

Just ordered via the forum link to my Kindle. Didn't even bother replacing the "www" in the URL with "smile" as I usually do, since royalties are already going to the John C. Bogle Center.
by Ice-9
Thu Jun 21, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International Fund
Replies: 16
Views: 2128

Re: Vanguard Total International Fund

Five years is relatively short term to judge an asset class. Many people like diversifying their portfolios into International, as it's easy to do. Others say large US companies reach worldwide markets and already provide some international diversification, so it's not necessary to add another (slig...
by Ice-9
Thu Jun 21, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: What will (or would) you tip when wages go up?
Replies: 53
Views: 3982

Re: What will (or would) you tip when wages go up?

I tip 20% and will continue tipping 20% unless/until customs change. If restaurants end up charging more to cover their increased wages, I will factor in the increased prices when deciding how often to eat out and where.
by Ice-9
Thu Jun 21, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: Does an IPS really need to be 5 pages long to be valuable?
Replies: 64
Views: 3781

Re: Does an IPS really need to be 5 pages long to be valuable?

My IPS Statement is outlined for others, my hares, to follow after my demise. It is made for "non-Boglheads" to understand and, hopefully, follow. As such, it has to be a lot longer than if it were just for myself. Toward that end, whatever length or pages it needs to fulfill its purpose is the rig...
by Ice-9
Thu Jun 21, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: Does an IPS really need to be 5 pages long to be valuable?
Replies: 64
Views: 3781

Re: Does an IPS really need to be 5 pages long to be valuable?

In lieu of a text document IPS, for more than a decade I have had an asset allocation spreadsheet along with an unwritten understanding that my absolute floor savings rate should be 15%. (It's a good bit higher than that most years.) My asset allocation spreadsheet lists all the asset classes, targe...
by Ice-9
Tue Jun 19, 2018 7:54 am
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 63
Views: 15128

Re: New Capital One 360 ACH limits

Called a second time and spoke with a different representative. They also confirmed the new limit to be a million dollars out-going and added that there is a two million dollar limit for incoming transfers PER MONTH Can't imagine this will affect too many here... but maybe I'm naive :beer I had cal...