Search found 1246 matches

by Ice-9
Tue Apr 17, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash back card right NOW.
Replies: 34
Views: 3619

Re: Best cash back card right NOW.

I get that VG=Vanguard and BoA=Bank of America. Probably a dumb question, but I can't figure out for the life of me what ME is. Could someone please spell it out for the uninitiated? Non-intuitive acronyms are ubiquitous on this forum, but in this case, methinks that it means Merrill Edge. :oops:
by Ice-9
Tue Apr 17, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash back card right NOW.
Replies: 34
Views: 3619

Re: Best cash back card right NOW.

With 100k assets at ME. Can transfer VTSAX directly from VG to ME if you want and pick up a transfer bonus along the way. BoA Cash Rewards 5.25% gas 3.5% groceries (including Costco) BoA Premium Rewards 3.5% travel 3.5% restaurants 2.625% everything else Relatively low 2.5k quarterly spending limit...
by Ice-9
Thu Apr 12, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: I Bond’s Variable Rate Will Fall To 2.22% On May 1
Replies: 36
Views: 4344

Re: I Bond’s Variable Rate Will Fall To 2.22% On May 1

I-Bonds have played three roles for me: 1) Inflation-Indexed Bond allocation for retirement savings in the rare instances (like early/mid-2010s) when I-bond rate actually beats the 10-yr TIPS I often buy in my workplace retirement account 2) to become part of the last tier of my emergency fund after...
by Ice-9
Mon Apr 09, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Are there any simple strategies that can help us squeeze better returns?
Replies: 45
Views: 2945

Re: Are there any simple strategies that can help us squeeze better returns?

My asset allocation is 70% equities 30% fixed income. I seek to satisfy the itch you describe on the fixed income side, where I can do less harm. The purpose of the fixed income side is to sleep at night. If 30% Total Bond Market lets me sleep at night, and we happen to be in a period where the yiel...
by Ice-9
Mon Apr 09, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Am I Crazy??? [Excess W-4 withholding, got large tax refund]
Replies: 31
Views: 3480

Re: Am I Crazy???

I know, most people would say, "why are you giving free loans to Uncle Sam?" but the realization of the "new found" money does have its euphoria. I did not ever think about this year's refund at all until now after tax time. Given the fact that I know the downsides, the up sides of my situation is ...
by Ice-9
Mon Apr 02, 2018 3:28 pm
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 96
Views: 21896

Re: Google Finance

I never used the Google Finance page, always used Yahoo Finance for more than a decade. Not sure what I was missing, but you certainly can see YTD performance for a given stock at https://finance.yahoo.com/.
by Ice-9
Fri Mar 30, 2018 11:27 am
Forum: Investing - Theory, News & General
Topic: What’s the magic savings rate???
Replies: 50
Views: 6190

Re: What’s the magic savings rate???

Good work so far for being late 20s! A Wade Pfau study a few years ago says 16.62% :happy http://www.mymoneyblog.com/what-is-a-safe-savings-rate-how-about-16-62.html Most Bogleheadish personal finance authors say 15%. It's up to you. I shoot for a floor of 15% and try to add to that throughout the y...
by Ice-9
Fri Mar 30, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: How Do You Value Your Home for Net Worth Purposes?
Replies: 150
Views: 9001

Re: How Do You Value Your Home for Net Worth Purposes?

I haven't read through all the responses, but would like to answer the OP that the method for valuing the home in net worth calculation would vary with the purpose of the net worth calculation. (a) For my own purposes, keeping track of net worth. Precision isn't that important, and I've found Zillow...
by Ice-9
Thu Mar 29, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: How to free up space on iMac?
Replies: 19
Views: 1119

Re: How to free up space on iMac?

Echoing CurlyDave's post that backup and making room on your hard drive are two different exercises. Here's what I do on my older 2011 iMac: 1) For backup, use Time Machine with a Thunderbolt external drive (faster than USB), not sure if Thunderbolt is still a thing on newer models 2) To save hard d...
by Ice-9
Fri Mar 16, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 187
Views: 18689

Re: Those with high savings rate: why?

For about 7 to 8 years during most of which time I was a single renter, I saved 25% to 40% of gross income each year. I knew this was high, but felt I was getting a late start at saving for retirement in my early thirties and could use the boost. I figured that was the time to do it, especially whil...
by Ice-9
Mon Mar 12, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: Can’t Login to Ally Bank with Chrome, Firefox works Fine
Replies: 18
Views: 1004

Re: Can’t Login to Ally Bank with Chrome, Firefox works Fine

I echo those who are saying look at your extensions. Things like this happen a lot to me on Chrome every once in a while, and, for me at least, it's almost always the Privacy Badger add-on that I forget I have until a few months later when the problem occurs again on another site. Easy enough to cli...
by Ice-9
Fri Mar 09, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Big umbrella increase: anyone else's risen dramatically?
Replies: 26
Views: 2531

Re: Big umbrella increase: anyone else's risen dramatically?

OP, did you happen to freeze your credit in the last year, perhaps in response to the Experian breach? I happened to notice that my auto insurance had bumped up three years ago when we had implemented credit freezes. I inquired with my Erie agent, and he told me in fact the credit freeze was likely ...
by Ice-9
Thu Feb 22, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Confusion about prepaying property taxes
Replies: 139
Views: 14332

Re: Confusion about prepaying property taxes

P.S.: yesterday (Saturday at 5 p.m.), the post office delivered the Assessment Notice (This is Not A Tax Bill) for our property in Montgomery County MD. The notice date is December 28th for the tax year beginning 7/1/2018. (On Thursday we had decided not to pre-pay). Where I live, an assessment not...
by Ice-9
Wed Feb 21, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Horrible Experience with Ally New Account Opening Process
Replies: 28
Views: 3335

Re: Horrible Experience with Ally New Account Opening Process

Similar experience trying to apply at Ally in the Fall. I started the online application and quickly realized they were asking me questions from my credit report. I called with the questions still on my screen and asked if I needed to unfreeze my credit for the application. I was told that an unfre...
by Ice-9
Tue Feb 20, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Horrible Experience with Ally New Account Opening Process
Replies: 28
Views: 3335

Re: Horrible Experience with Ally New Account Opening Process

Similar experience trying to apply at Ally in the Fall. I started the online application and quickly realized they were asking me questions from my credit report. I called with the questions still on my screen and asked if I needed to unfreeze my credit for the application. I was told that an unfree...
by Ice-9
Mon Feb 19, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 9835

Re: Do you wear a wedding band? [at a job interview]

daveydoo wrote:
Mon Feb 19, 2018 11:54 am
Ice-9 wrote:
Mon Feb 19, 2018 11:14 am
I am told that tungsten cannot really be resized.
I think tungsten-wearers can not be re-sized. :D
Thanks for the laugh :D
by Ice-9
Mon Feb 19, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 9835

Re: Do you wear a wedding band? [at a job interview]

Thank you OP for bringing up this topic. We married almost five years ago, and I got a thrifty tungsten band. I've tried to lose weight multiple times since then, but always gained it back after initial success. Whenever my weight fluctuates down, my ring slips off and I can't really wear it anymore...
by Ice-9
Fri Feb 16, 2018 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: I Bonds - now or later in the year?
Replies: 7
Views: 1313

Re: I Bonds - now or later in the year?

Depends on the reason for purchasing I-Bonds: If... (a) purchasing to hold indefinitely, possibly entire 30 years to maturity, then likely doesn't matter much. The only difference may be the fixed rate, and as others have said, you could split the difference. Perhaps buy 1/4 of your 2018 total befor...
by Ice-9
Tue Feb 06, 2018 5:14 pm
Forum: Investing - Theory, News & General
Topic: Huge afternoon stock drop on 2.5.2018 and stock raise on 2.6.2018 is caused by mutual fund holders
Replies: 46
Views: 6915

Re: Huge afternoon stock drop on 2.5.2018 and stock raise on 2.6.2018 is caused by indexers

It sounds a bit like the OP isn't really putting blame on index investors, but rather, any mutual fund holder who sells when the broad market dips. To the OP, you seem to be excluding two types of index investors in your generalization: (1) Most people on this forum who call themselves Bogleheads wo...
by Ice-9
Fri Feb 02, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Multiple bank accounts - am I crazy?
Replies: 46
Views: 3765

Re: Multiple bank accounts - am I crazy?

You think that's crazy? Hold my beer. :D Back in 2005-6, as there was a lot of competition among online savings accounts, I followed a lot of finance blogs and got into rate chasing for some reason. As vestiges of that era, I have a bunch of accounts that today I use for different purposes. * Presid...
by Ice-9
Thu Feb 01, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 557
Views: 61669

Re: Netflix, Your Current Favorite Show

Hell on Wheels. Five seasons on the building of the Transcontinental Railroad. Great fictional main character among several actual historical figures or characters based on them.
by Ice-9
Tue Jan 23, 2018 6:20 pm
Forum: Investing - Theory, News & General
Topic: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?
Replies: 40
Views: 3736

Re: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?

Like you, I worry that what goes up must come down. But nobody knows nuthin'. I did a small rebalance last week, buying bonds, so I'm pretty close to my target asset allocation and plan to do my best to stay there.
by Ice-9
Mon Jan 22, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: 5GB iCloud storage vs 128GB iPhone
Replies: 16
Views: 1190

Re: 5GB iCloud storage vs 128GB iPhone

For some time now, spanning two phones, we've only used iCloud's 5 Gb for backing up our calendar and contacts and turned off photo backup. No annoying messages for a few years now. Instead we each use OneDrive and pay $2/mo for 50 Gb. We had considered the iCloud plan because it was actually cheape...
by Ice-9
Wed Jan 17, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: TreasuryDirect Account Authorization
Replies: 12
Views: 6010

Re: TreasuryDirect Account Authorization

Maybe one of the big "internet banking is wonderful" fans can tell you about not having a brick and mortar location. LOL! I got the same notification today and I'm going to a BoFA branch as the CU I bank with is 500 miles away. I am one of those "internet banking is wonderful" fans, but I've always...
by Ice-9
Fri Jan 12, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 1455

Re: Storing Important Documents Online

ddurrett896 wrote:
Fri Jan 12, 2018 3:40 pm
Ice-9 wrote:
Fri Jan 12, 2018 3:33 pm
I'm having trouble thinking of circumstances where a printed copy or electronic copy of such documents would be useful?
Traveling out of the country. Potential for all personal belongings to be stolen.
Thanks - Good point.
by Ice-9
Fri Jan 12, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 1455

Re: Storing Important Documents Online

I use VeraCrypt to create a container that I keep in a cloud folder. https://www.veracrypt.fr/en/Home.html However, I keep sensitive docs there like various statements, tax documents, scanned receipts for major work, etc. I'm a little confused why the OP wants to store what I assume would be a PDF s...
by Ice-9
Thu Jan 11, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Withholding Tables
Replies: 88
Views: 11830

Re: IRS announces new withholding tables for 2018

We had significant itemized deductions before, but we're pretty sure we will be taking the standard deduction in 2018. I'm guessing I'm at risk of withholding too little. Need to look at this, thanks for the reminder...
by Ice-9
Mon Jan 08, 2018 11:29 am
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 18870

Re: Buying Real Silver and Gold (Not Bitcoin)

At the end of 2007, Silver quickly rose and hit $22.86 by Feb-2008. What was going on that would make this happen? Was there inflation fears? Because that would fit the Paradigm. But I don't recall inflation fears at that time. I do. Gasoline prices had been going up considerably and a lot of peopl...
by Ice-9
Fri Jan 05, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Sling TV experiences
Replies: 33
Views: 2907

Re: Sling TV experiences

We have enjoyed it. The biggest drawback would be no DVR, but overall I would recommend it. With no contract, it's relatively risk free to give it a try. With the Roku we have Sling, Netflix and Amazon Prime TV on one device and it's pretty seamless. Sling offers a DVR for $5/month but we declined ...
by Ice-9
Fri Jan 05, 2018 12:11 pm
Forum: Investing - Theory, News & General
Topic: The only asset class offering a discount
Replies: 8
Views: 967

Re: The only asset class offering a discount

I keep track of how far my asset allocation is away from target on a spreadsheet and adjust my paycheck contributions to make sure I'm only contributing to asset classes that are below target. For most of the last year, that's had me contributing exclusively to (1) Total Bond Market, (2) TIPS, and (...
by Ice-9
Fri Jan 05, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Sling TV experiences
Replies: 33
Views: 2907

Re: Sling TV experiences

Cut the cord and subscribed to Sling TV more than two years ago. We're very happy with it, and the things we didn't like have improved since then. They now offer the original plan as "Orange" as well as a newer "Blue" plan. We switched to the Blue plan to get all the NBC stations for the Olympics al...
by Ice-9
Thu Dec 28, 2017 12:20 pm
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 18870

Re: Buying Real Silver and Gold (Not Bitcoin)

If paying by check, there are delays for the check to be received, check to clear, then shipping. So probably a week or more, depending on how you pay and what kind of shipping you choose. Two FYIs... First, I always compare before I make a purchase, but for most coins I usually find a better price...
by Ice-9
Thu Dec 28, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: What is the best current account aggregator online?
Replies: 22
Views: 1658

Re: What is the best current account aggregator online?

It should be noted that you *can* use an account aggregator without actually linking to any accounts, but rather choosing to enter each as a manual account. One might choose to do this over creating their own spreadsheet if they (a) liked the presentation on a site like Personal Capital or (b) didn'...
by Ice-9
Thu Dec 28, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 84
Views: 13787

Re: Water Heater Install $1,800!

I didn't read through the entire thread, but I did a control-F search on the word "lining" and got no hits, so I apologize in advance if this was already mentioned. I just replaced my water heater and also was surprised at the high initial estimate - $2100 in my case. All friends and neighbors I spo...
by Ice-9
Thu Dec 28, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Confusion about prepaying property taxes
Replies: 139
Views: 14332

Re: Confusion about prepaying property taxes

Ice9 & Prudence - check out the following site and click on "Pay or View Your Property Tax Bill Online" (in the quick links box on the right). https://www.montgomerycountymd.gov/finance/ You can look up your prior tax bills (if you don't have copies at home) and see the assessed tax period at the t...
by Ice-9
Thu Dec 28, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Confusion about prepaying property taxes
Replies: 139
Views: 14332

Re: Confusion about prepaying property taxes

I live in Montgomery County MD and the county council is allowing us to pre-pay our 2018 county real estate tax in 2017. We file a joint tax return. Until recently we were planning to take the new $24,000 standard deduction when we file the 2017 tax return. But, if we were to pre-pay the real estat...
by Ice-9
Wed Dec 27, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Confusion about prepaying property taxes
Replies: 139
Views: 14332

Re: Confusion about prepaying property taxes

Thanks for posting theta. Unfortunately, I am almost exactly in the situation of Example 2. Thank you for saving me from waiting 45 minutes in line to prepay for nothing! Link if anyone wants to read it directly on the website: https://www.irs.gov/newsroom/irs-advisory-prepaid-real-property-taxes-ma...
by Ice-9
Tue Dec 26, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 54117

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

Until today, my County did not allow pre-payment of property taxes. Then today they announce.... Effective today, Montgomery County will accept the prepayment of 2018 County real property taxes. It will be up to the Internal Revenue Service to determine whether prepayment of 2018 County real propert...
by Ice-9
Tue Dec 26, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: How much have you donated to John C Bogle Center for Financial Literacy?
Replies: 17
Views: 1895

Re: How much have you donated to John C Bogle Center for Financial Literacy?

Generated by you $11.70 as of December 23, 2017 I've donated by check via snail mail a couple of times, but sprinkling on these small amounts with my Amazon purchases is neat! I always go through the link from Bogleheads.org first so the webstite gets its cut, then change the WWW to SMILE in the UR...
by Ice-9
Mon Dec 18, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to "prove" Savings Bond held with Treasury Direct
Replies: 14
Views: 2837

Re: How to "prove" Savings Bond held with Treasury Direct

Waking up this old thread to say we recently used screenshots to successfully verify TD holdings for purposes of verifying net worth for an adoption application. I actually have two Treasury Direct accounts accessible from the same login, for which I took two screenshots: "[MY FULL NAME] A-123456789...
by Ice-9
Mon Dec 18, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: I bonds: Should I put money on I bonds rather than keep them in a savings account
Replies: 26
Views: 3754

Re: I bonds: Should I put money on I bonds rather than keep them in a savings account

I've been with Treasury Direct from the beginning. Yes, they had several years there where they required a "secret decoder card" to log in, but those days are gone. From what I understand, if you ever mess up logging in so much that you get locked out of your account, it's apparently quite the hassl...
by Ice-9
Mon Dec 18, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 18043

Re: Save all this money, what do you splurge on?

* iMac - though I make them last. Current one is seven years old. * new rather than used cars - however, ditto on making them last. Each purchase, I investigate the cost difference with a 3-yr-old used model that seems to be what Bogleheads and other frugal types I look up to call the "sweet spot," ...
by Ice-9
Fri Dec 15, 2017 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: I bonds: Should I put money on I bonds rather than keep them in a savings account
Replies: 26
Views: 3754

Re: I bonds: Should I put money on I bonds rather than keep them in a savings account

Currently, when compared with other relatively safe options, even with the three-month interest penalty before Year Five, I-Bonds seem like a good choice as long as you don't need the money within the next 11 months. (The one-year rule mentioned by the previous poster can be effectively reduced to 1...
by Ice-9
Thu Dec 14, 2017 11:13 am
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 18870

Re: Buying Real Silver and Gold (Not Bitcoin)

I buy occasional silver coins not really as an investment but more as a hobby that has investment-like qualities. It's fun to collect various coins from different countries. If you can order $100 worth at a time, free shipping is available from several online stores at prices that usually beat local...
by Ice-9
Tue Dec 12, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 48
Views: 4851

Re: best cashback credit card ?

whats the best credit card with highest cashback on gas and stores etc currently. i have been using citi double cashback for everything for sometime now but have started looking for something better. i came across penfed credit card with 5% cashback only on gas and was wondering if there is any oth...
by Ice-9
Tue Dec 12, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Year end review with less nerdy spouse
Replies: 72
Views: 8486

Re: Year end review with less nerdy spouse

* Like many who posted above, I am the nerdy, spreadsheet-loving spouse * My wife and I meet in front of the computer once or twice a month to review finances * These meetings involve a very BASIC review so we both can voice opinions and also so she stays familiar with where everything is if somethi...
by Ice-9
Tue Dec 12, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Best solution for digitizing documents?
Replies: 43
Views: 3937

Re: Best solution for digitizing documents?

Bogleheads are a smart bunch, and it makes me feel good to know many of them seem to be maintaining digital file cabinets similar to my own. I can't be doing things too wrong... :happy One thing I'd add is my digital file cabinet of sensitive, financial PDF files, whether scanned or downloaded, is k...
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: 8182

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: 31
Views: 4325

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...