Search found 1272 matches

by Ice-9
Thu Jun 21, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International Fund
Replies: 13
Views: 1093

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: 46
Views: 2530

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: 50
Views: 1866

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: 50
Views: 1866

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: 47
Views: 7395

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...
by Ice-9
Mon Jun 18, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 153
Views: 7241

Re: Which Supermarket are you?

We are not faithful to any particular supermarket and switch it up a lot. In approximate decreasing order of how often we end up shopping at each: * Safeway * Lotte (Asian market) * Giant * Fresh Market (similar to Whole Foods) * Great Wall (Asian market) * Dawson's Market (local, similar to Whole F...
by Ice-9
Fri Jun 15, 2018 10:17 am
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 11097

Re: Which boglehead rule do you break--and are ok with

No written IPS, just a spreadsheet showing what my preferred allocations are and how I compare. Maybe that counts as a written IPS. Barnaclebob beat me to it. Same story. The spreadsheet has been my IPS for more than a decade, served me well through the depths of the 2008-9 crash. I don't need sent...
by Ice-9
Thu Jun 14, 2018 2:28 pm
Forum: Investing - Theory, News & General
Topic: Is the Dow Jones Industrial Average a useful metric?
Replies: 28
Views: 1319

Re: Is the Dow Jones Industrial Average a useful metric?

Also, of course, many peoples' memories are anchored to specific past values of the DJIA. I can remember specifically that the DJIA dropped from about 14,000 to 13,000 in 2008, but I can't for the life of me remember the comparable numbers for the S&P 500. Point taken, but how can anyone NOT rememb...
by Ice-9
Thu Jun 14, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: Is the Dow Jones Industrial Average a useful metric?
Replies: 28
Views: 1319

Re: Is the Dow Jones Industrial Average a useful metric?

If I could change the media, instead of the Dow, S&P, and NASDAQ, I'd have them report "Total (US) Stock Market, Total International, and Total Bond Market." But I can't, and I don't see the media changing their standard list of three for a very long time. +1 completely on the use of points as a met...
by Ice-9
Fri Jun 08, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Best solution for digitizing documents?
Replies: 55
Views: 5445

Re: Best solution for digitizing documents?

The Truecrypt experience has me leery of Veracrypt. For things like this I need to be sure the software is secure and will continue to be supported. Having to decrypt all my Truecrypt documents when I abandoned the product I am hesitant to do that again. If you keep your computer encrypted I don't ...
by Ice-9
Fri Jun 08, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: Anyone else cheap like me and have to put new $s into the asset class that's down the most?
Replies: 23
Views: 2623

Re: Anyone else cheap like me and have to put new $s into the asset class that's down the most?

I've used the same Asset Allocation spreadsheet for maybe a decade on Google Docs, which includes a field showing how much each asset class is off its target. I change my biweekly contributions to whatever asset class needs it most. (Not down for the day like the OP, but overall off my target alloca...
by Ice-9
Mon Jun 04, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: owning Apple product, complete satisfied
Replies: 8
Views: 852

Re: owning Apple product, complete satisfied

A couple of things I wanted to say before the thread gets locked... (1) I don't know if it was a typo, but the phrase "customer royalty" is pure awesomeness. (2) I generally like Apple products too. So I have bought Macs as my last five computers dating back to 1995 and three iPhones dating back to ...
by Ice-9
Mon Jun 04, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 75
Views: 5657

Re: What is your Take Home Pay / Gross Pay ratio?

My take home is currently 57.7% of my gross.

I contribute a good bit to, but don't max, my workplace retirement plans. Also do the max to an FSA.
by Ice-9
Fri Jun 01, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Gold Chain necklace, authentic gold
Replies: 10
Views: 1122

Re: Gold Chain necklace, authentic gold

I've only bought coins from APMEX, never jewelry, but this may at least provide another price point for your comparison shopping.
https://www.apmex.com/category/18450/go ... ant-chains
by Ice-9
Thu May 31, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Citi Slashes Card Benefits at least on Double Cash cards
Replies: 27
Views: 3035

Re: Citi Slashes Card Benefits at least on Double Cash cards

Thank you OP for posting this. Strangely, I did not receive an email, but when I logged in and clicked on Benefits I got the same text. I was focused on the 2% when I applied for the card and wasn't even aware of these other benefits. I will have to look more closely at all my cards' benefits now. I...
by Ice-9
Thu May 24, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 64
Views: 9513

Re: Equifax - credit freeze is now free?

I suspect it depends upon your state. Experian DID charge me $5 to unfreeze for a day in Mass. It does vary by state, but my state is supposed to be charging $10. I suspect this is an apologetic gesture on the part of Equifax for the big security breach a couple years ago. This page appears to conf...
by Ice-9
Wed May 23, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Buying I bonds - what is the purpose of Registration on TD website
Replies: 22
Views: 2279

Re: Buying I bonds - what is the purpose of Registration on TD website

(2) No tax documents mailed to you. You have to log in and print yourself. And while all of your other 1099s follow a standard format with box 1, box 2, etc, the one from the Treasury annoyingly is presented slightly differently and requires a little study to figure out which number your tax softwa...
by Ice-9
Mon May 21, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 64
Views: 9513

Re: Equifax - credit freeze is now free?

Half a year after this thread started saying the Equifax freeze is free, I just discovered temporary unfreeze is also free at Equifax. I was expecting to have to pay $10 but no charge for the temporary lift. Very easy to implement online too.
by Ice-9
Fri May 18, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Buying I bonds - what is the purpose of Registration on TD website
Replies: 22
Views: 2279

Re: Buying I bonds - what is the purpose of Registration on TD website

For more than a decade, I've used I-bonds as (a) upper tier of my emergency fund, (b) alternative to 1-yr CD in April and October when the rate for the next year is known, and (c) even as part of my bond allocation, after I-bonds purchased in 2003 with 1.6% real yield started outperforming bond fund...
by Ice-9
Fri May 18, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Spreadsheet for 2018 W-4 adjustments?
Replies: 5
Views: 429

Re: Spreadsheet for 2018 W-4 adjustments?

I used the IRS' withholding calculator.
https://www.irs.gov/individuals/irs-wit ... calculator
Results told me how much additional to take from each paycheck the rest of the year.

I wish my state had something similar.
by Ice-9
Thu May 10, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Home Fire/Burglar Safe
Replies: 21
Views: 1419

Re: Home Fire/Burglar Safe

A moderately sized safe deposit box at a nearby B&M bank will cost no more than $50/year and will not be subject to risk from fires or motivated burglars. That is where we keep things that are difficult or impossible to replace (important documents, offsite data backups, etc). A couple years ago, I...
by Ice-9
Thu May 03, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Minimum portfolio size for individual treasury bonds
Replies: 10
Views: 915

Re: Minimum portfolio size for individual treasury bonds

With Treasuries, you don't need the diversification of a $100k portfolio. Not a bad idea. Pluses versus using a bond fund: * Save the expense ratio * Can target maturities towards when the money is expected to be needed Minuses versus using a bond fund: * The complexity of multiple bonds vs one fund...
by Ice-9
Tue May 01, 2018 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Series I Bonds in April/May 2018
Replies: 69
Views: 8490

Re: Series I Bonds in April/May 2018

"Back up the truck" on this forum means "buy a lot" of something. Many of us backed up the truck for TIPS purchases in early 2009 when real yields were around 2% on the 10 yr issues. Backing up the truck with I-Bonds could mean, as Johan851 noted, going to the extreme of redeeming some older bonds t...
by Ice-9
Fri Apr 27, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 11104

Re: Amazon to raise Prime membership in US to $119 from $99

A few years ago, my Prime membership cost $80/yr, and my Chase Amazon card paid 3% cashback on Amazon purchases. Today I learn that Prime will soon cost $120/yr. Last year my Chase Amazon card switched to 5% cashback on Amazon purchases. I easily come out ahead under the new rules. And that's not ev...
by Ice-9
Thu Apr 26, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: The Paperless Life
Replies: 45
Views: 4180

Re: The Paperless Life

Adding to what previous posters said, I keep my archive of downloaded PDFs organized by broker/bank saved in an encrypted container using free VeraCrypt software. https://www.veracrypt.fr/en/Downloads.html I keep the encrypted container in a cloud folder so it's automatically accessible from any com...
by Ice-9
Mon Apr 23, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: using Outlook mail/calendar on Apple devices
Replies: 10
Views: 686

Re: using Outlook mail/calendar on Apple devices

On my iPhone, for years I've used the built-in Mail for my casual and work email accounts, and then the Outlook app for the outlook.com email address that I use for businesses including financial institutions. I do this because the Outlook app allows you to require an additional step of security to ...
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: 4167

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: 4167

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: 4702

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: 3162

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: 3627

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: 97
Views: 22905

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: 6619

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: 9852

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: 1217

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: 246
Views: 31890

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: 19
Views: 1433

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: 2671

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: 14962

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: 3867

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: 3867

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: 10431

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: 10431

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: 17
Views: 2659

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: 7178

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: 4104

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: [What TV Show Have You Recently Watched?]
Replies: 694
Views: 75109

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: 3966

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: 1310

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...