Search found 1335 matches

by Ice-9
Mon Jan 14, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Amazon Rewards Visa -- predatory lending?
Replies: 29
Views: 3580

Re: Amazon Rewards Visa -- predatory lending?

The above posts are correct; this is how credit cards work. I just wanted to add that messing up on paying in full has happened to me twice in my two decades or so of playing the maximize-cashback game with multiple cards. The two times were with two different companies, several years apart. Both ti...
by Ice-9
Fri Jan 11, 2019 3:25 pm
Forum: Investing - Theory, News & General
Topic: BHers, what is your Roth IRA %?
Replies: 113
Views: 5225

Re: BHers, what is your Roth IRA %?

Approximately 11% of my retirement portfolio is in my Roth IRA. Just short of 80% is in tax-deferred accounts.

Scrolling through this thread, I'm realizing I'm on the low end of Roth percentage among Bogleheads.
by Ice-9
Wed Jan 09, 2019 4:08 pm
Forum: Investing - Theory, News & General
Topic: Financial goals for 2019 (specific)
Replies: 70
Views: 5656

Re: Financial goals for 2019 (specific)

2019 Financial Goal: Work on spending in preparation for adopting a child We were always in the pay-yourself-first-and-feel-free-to-spend-the-rest camp. Instead of a budget, we allowed ourselves to spend anything leftover after saving each paycheck. But looking at how much we're spending, when my wi...
by Ice-9
Mon Jan 07, 2019 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Are we at "Peak FI"?
Replies: 93
Views: 9838

Re: Are we at "Peak FI"?

A couple of my observations: -I've never heard FIRE mentioned outside of the internet. And rarely outside of Bogleheads or Reddit. +1 Nor have I. Until last summer/fall, neither had I. But then I saw a bunch of stories posted in non-financial forums, even on Facebook by friends who normally don't t...
by Ice-9
Sun Dec 30, 2018 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Capital One 360 NOW Offers Beneficiary Option
Replies: 6
Views: 759

Re: Capital One 360 NOW Offers Beneficiary Option

Thank you for posting this. Just easily added beneficiary to two accounts.
by Ice-9
Sat Dec 22, 2018 8:17 am
Forum: Investing - Theory, News & General
Topic: Percentage of Net Worth in Equities
Replies: 23
Views: 1914

Re: Percentage of Net Worth in Equities

My target allocation in my investment portfolio is 70% equities, but I had never thought to calculate percent of net worth before.

The equity portion of my portfolio is a bit over 50% of my net worth right now.
by Ice-9
Fri Dec 14, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19487

Re: Favorite Purchase of 2018?

R11 Chromebook for $232. Always been a Mac person, and still use my iMac in the upstairs office for big things. But it's nice to have such an inexpensive option that I can use for internet things really quickly downstairs with the wife. I use "tent mode" all the time to read magazines. I use a separ...
by Ice-9
Fri Dec 14, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Who else is doing home automation?
Replies: 64
Views: 3702

Re: Who else is doing home automation?

Initially bought two Alexa devices in mid-2017 with the following purposes in mind, not intending to automate the home: 1. Replace bluetooth speakers so we could just ask Alexa to play whatever music we wanted instead of pairing with a phone every time 2. Use as an intercom between upstairs and down...
by Ice-9
Wed Dec 12, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22066

Re: What percentage of your net worth is your home equity?

Bogleheads networth levels: Level 1: include everything in one’s possessions in the net worth, including car equity, furnitures, bicycle etc. All investable/liquid assets. Level 2: only include the “big items” ie. house, vacation home, collectibles. And all investable/liquid assets. Level 3: only i...
by Ice-9
Tue Dec 11, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Keepsake Savings Bonds?
Replies: 9
Views: 603

Re: Keepsake Savings Bonds?

They are kinda neat looking. In the OP's situation, maybe scan them before redeeming?
by Ice-9
Tue Dec 11, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Possibly dumb question about streaming services
Replies: 26
Views: 1779

Re: Possibly dumb question about streaming services

On my Roku box, I added the free apps for CBSN (CBS News) and NBC News to get national news. Also, Sling TV Blue Plan in my area gives local Fox and NBC stations. I also added the News Extra plan for an extra $5/month that adds a few cable news channels. Sling lineup page: https://www.sling.com/serv...
by Ice-9
Mon Dec 10, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 102
Views: 7091

Re: Electric bill with LED

I made the change from CFL to LED for the whole house over the course of 2011 to 2015 or so, and it was a lot more expensive to accomplish at that time than it is today. At some point, I charted my avg kwh per day for each billing period before, during, and after the switch, and it did generally mov...
by Ice-9
Thu Dec 06, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Is a 5-year CD closer in behavior to TIPS or IT?
Replies: 6
Views: 569

Re: Is a 5-year CD closer in behavior to TIPS or IT?

I also follow Swenson's 50/50 nominal/TIPS rule in my target asset allocation. I have self-directed brokerage window available in my workplace account, and I've purchased several CDs during the last decade at times when the yield seemed advantageous when compared to Total Bond Market's SEC yield. I ...
by Ice-9
Thu Dec 06, 2018 10:44 am
Forum: Investing - Theory, News & General
Topic: Tips breakevens and illiquidity premia
Replies: 75
Views: 4927

Re: Tips breakevens and illiquidity premia

Sorry for the novice question: What is meant by "5x5" and "20x10" breakeven inflation?
by Ice-9
Thu Nov 29, 2018 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: When to cash in EE Savings Bonds
Replies: 16
Views: 1690

Re: When to cash in EE Savings Bonds

Go on Treasury Direct to see what the bonds are worth and what interest rate it is earning. Cashing in paper bonds can be a bit of a hassle. If you are not cashing them in the immediately and/or if it is a hassle to cash them, put them online at Treasury Direct. You can specify a bank or 2 and then...
by Ice-9
Thu Nov 29, 2018 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: When to cash in EE Savings Bonds
Replies: 16
Views: 1690

Re: When to cash in EE Savings Bonds

For six-month rate periods that start during the time period from November 1, 2018 through April 30, 2019, the annual interest rate that applies to EE Bonds with issue dates from May 1995 through April 1997 is 2.41%. https://www.treasurydirect.gov/indiv/research/indepth/ebonds/res_e_bonds_eeratesan...
by Ice-9
Wed Nov 28, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: Smart Home: Google, Apple, or Amazon?
Replies: 45
Views: 4618

Re: Smart Home: Google, Apple, or Amazon?

By far the biggest use of Amazon's Echo for me is to play music from my extremely large music collection. I can't think of the last time I actually put a CD in my stereo system. Thanks, I can see that use case (low cost networked wireless speaker). We bought two Echos in 2017 for: (1) The above lis...
by Ice-9
Fri Nov 23, 2018 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Two I-Bond questions (strategy and withdrawal)
Replies: 7
Views: 1085

Re: Two I-Bond questions (strategy and withdrawal)

I don't think we're quite at the stage yet where it would make sense to sell any I-Bond to buy a new I-Bond rather than use new money. Even the 0% fixed rate I-Bonds are paying 2.22% right now and have all the advantages of I-Bonds: tax-deferral, state-tax-free, etc. Most online savings accounts are...
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: 893

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: 3734

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: 3734

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: 3734

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: 90
Views: 8696

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: 90
Views: 8696

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: 3958

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: 6904

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: 8982

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: 2379

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: 2419

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: 2379

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: 17139

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: 5599

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: 8029

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: 1338

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: 3448

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: 1148

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: 2633

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: 142
Views: 9567

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: 2395

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: 1148

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: 656

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: 3766

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: 4631

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: 4631

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: 9793

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: 1440

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: 5118

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: 941

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.