Search found 1505 matches

by Ice-9
Thu Jan 21, 2021 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Is Amex Blue Cash preferred card still worth keeping?
Replies: 29
Views: 1680

Re: Is Amex Blue Cash preferred card still worth keeping?

(cut for brevity) I max out that $6k on groceries to earn the full 4.4% on groceries net of the annual fee, and also earn 6% on streaming, and also earn 3% on parking, gas, and mass transit. But the biggest boost for me is the Amex Offers. Am I the only Boglehead who goes ape over the Amex Offers? ...
by Ice-9
Thu Jan 21, 2021 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Is Amex Blue Cash preferred card still worth keeping?
Replies: 29
Views: 1680

Re: Is Amex Blue Cash preferred card still worth keeping?

To the OP: Up to $2k each quarter = $8k per year, and the max for the big cashback on groceries with this card is $6k per year. So, I think you're an optimal user of this card, who could easily earn the max 4.4% net of fees on groceries, and then use a different card on groceries after you hit the m...
by Ice-9
Thu Jan 21, 2021 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Is Amex Blue Cash preferred card still worth keeping?
Replies: 29
Views: 1680

Re: Is Amex Blue Cash preferred card still worth keeping?

I'm a little confused by other Bogleheads' lack of love for the Amex Blue Cash Preferred as it's my favorite cashback card, and I also have the Citi Doublecash as my "everything else" card. I max out that $6k on groceries to earn the full 4.4% on groceries net of the annual fee, and also e...
by Ice-9
Tue Jan 19, 2021 6:43 pm
Forum: Personal Consumer Issues
Topic: Amazon Firestick vs. Roku
Replies: 44
Views: 2183

Re: Amazon Firestick vs. Roku

Had Roku for nearly a decade until we got a Fire TV. As others said, you avoid the push to watch stuff on Amazon's platform with the Roku, but either gets it done for all the big apps. It's a wash.
by Ice-9
Fri Jan 15, 2021 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Checking/savings account yielding >1% ?
Replies: 18
Views: 2235

Re: Checking/savings account yielding >1% ?

I use Presidential Bank's Advantage Checking account. For only a few mild hoops to jump through you currently get 2.25% on the first $25k and then 0.65% on balances above that. It switched last month after several months at 2.25% on first $25k and then 1.25% on higher balances. Hoops: * direct depos...
by Ice-9
Mon Jan 04, 2021 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Got my stimulus check, how about you?
Replies: 187
Views: 12497

Re: Got my stimulus check, how about you?

Ours posted this morning also.
by Ice-9
Fri Jan 01, 2021 4:23 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3405
Views: 571797

Re: What are you up YTD? [Year To Date]

70/30 Portfolio up 15.3% in 2020.

Overall Net Worth up 25.4% in 2020. There was a significant increase in home value this year.
by Ice-9
Wed Dec 23, 2020 6:06 pm
Forum: Investing - Theory, News & General
Topic: 2021 I Bonds: what's your plan?
Replies: 76
Views: 8012

Re: 2021 I Bonds: what's your plan?

Why even bother with i-Bonds at 0% fixed rate? Serious question, not trolling here. Personally, I'm buying EE-Bonds instead of i-Bonds now. And yes, I have to hold it for 20 years exactly. I know. If you currently allocate a portion on your portfolio to inflation-protected bonds, such as the Swense...
by Ice-9
Mon Dec 21, 2020 6:44 pm
Forum: Investing - Theory, News & General
Topic: What long-term real return do you now expect?
Replies: 86
Views: 7840

Re: What long-term real return do you now expect?

When I use firecalc's retirement calculator , I add 2% to the expense ratio on the "Your Portfolio" tab to simulate 2% worse annually than historical real returns. Since some people in this thread say they prefer to use nominal numbers, in my 70/30 portoflio, subtracting 2% from Vanguard's...
by Ice-9
Sun Dec 20, 2020 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Cash App for buying fractional shares of ETFs
Replies: 7
Views: 253

Re: Cash App for buying fractional shares of ETFs

At present time you can only have a taxable account at CashApp. This may change. The advantage with CashApp is that users already have it for P2P payments and thus less friction on the way to get started with investing. If it were my young friend, I'd tell them it couldn't hurt, but I'd make them aw...
by Ice-9
Sun Dec 20, 2020 11:18 am
Forum: Personal Investments
Topic: Where are you storing your emergency fund money?
Replies: 79
Views: 6128

Re: Where are you storing your emergency fund money?

Approximately 2/3 of it in a Presidential Advantage Checking account, earning 2.25% on the first $25k and then a still-advantageous over online savings accounts rate beyond that amount (currently 0.65%). The other approximately 1/3 is in I-Bonds, most of which are past the one-year mark and thus cou...
by Ice-9
Tue Dec 15, 2020 3:32 pm
Forum: Investing - Theory, News & General
Topic: Taylor Sends His Best to Fellow Bogleheads
Replies: 334
Views: 26185

Re: Taylor Sends His Best to Fellow Bogleheads

So glad to read your post today, Taylor. Best wishes!
by Ice-9
Fri Dec 11, 2020 10:48 pm
Forum: Investing - Theory, News & General
Topic: 500 Index preferred over Total Market
Replies: 70
Views: 5875

Re: 500 Index preferred over Total Market

For many years I WOULD have picked Total Stock Market, but it wasn't offered in my workplace account and S&P 500 Index and Extended Market Index were. I decided since I had to split them up anyway, I may as well overweight Extended Market over the mid and small caps I would have gotten in Total ...
by Ice-9
Tue Dec 08, 2020 11:01 am
Forum: Personal Investments
Topic: At what milestone did you feel secure?
Replies: 156
Views: 17454

Re: At what milestone did you feel secure?

I'm late to the thread and the OP might never see this, but our household had a relatively recent "secure milestone" reached and I wanted to take a stab at the question posed in the subject line. I basically enter very pessimistic inputs into the retirement calculator at https://firecalc.c...
by Ice-9
Mon Dec 07, 2020 11:03 am
Forum: Personal Consumer Issues
Topic: is it ok to download Big Sur for MAC yet??
Replies: 47
Views: 3370

Re: is it ok to download Big Sur for MAC yet??

I installed Big Sur shortly after release. In retrospect, I probably should wait on new releases like this as the OP has done, but fortunately no major issues. For what it's worth, here are the minor headaches I encountered, all worry-free now: * icons in Zoom app missing. Zoom had an update availab...
by Ice-9
Sun Nov 22, 2020 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Pandemic reduced our spending by 30% - How about you?
Replies: 118
Views: 8008

Re: Pandemic reduced our spending by 30% - How about you?

Interesting exercise. I actually have a spreadsheet that contains my credit card totals per month. I try to do most of my spending via credit card to take advantage of rewards, so this is probably pretty close to accurate. I took the 2020 totals through October, divided by ten, and multiplied by twe...
by Ice-9
Fri Nov 06, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: google cloud printing discontinued
Replies: 24
Views: 2348

Re: google cloud printing discontinued

... Sorry if these are basic questions: Is there some other way I might be printing from my Chromebook other than Google Cloud Printing? Is there a setting somewhere that I can check to verify if I'm using Google Cloud Printing or not? I use an ACER Chromebook. No access to windows. I'm computer li...
by Ice-9
Fri Nov 06, 2020 2:36 pm
Forum: Personal Consumer Issues
Topic: google cloud printing discontinued
Replies: 24
Views: 2348

Re: google cloud printing discontinued

I've had a Chromebook for three years and had to Google "Google Cloud Printing" to understand what everyone here is talking about. I remember setting up my printer quickly the day I bought the Chromebook, but don't remember the details. I've never had trouble printing to my HP Envy 7640 w...
by Ice-9
Fri Nov 06, 2020 1:43 pm
Forum: Personal Consumer Issues
Topic: google cloud printing discontinued
Replies: 24
Views: 2348

Re: google cloud printing discontinued

I've had a Chromebook for three years and had to Google "Google Cloud Printing" to understand what everyone here is talking about. I remember setting up my printer quickly the day I bought the Chromebook, but don't remember the details. I've never had trouble printing to my HP Envy 7640 wi...
by Ice-9
Thu Nov 05, 2020 5:18 pm
Forum: Personal Consumer Issues
Topic: Are cheap all-in-one printers fine?
Replies: 28
Views: 2091

Re: Are cheap all-in-one printers fine?

This thread sounds like most Bogleheads only do occasional printing of text-only documents, and the suggestions above reflect that. I enjoy working with Photoshop and occasionally print nice things from there, and my wife is a teacher with many neat projects for her students that often involve photo...
by Ice-9
Fri Oct 23, 2020 3:16 pm
Forum: Investing - Theory, News & General
Topic: Did the 4% rule just become the 5% rule? :)
Replies: 156
Views: 19549

Re: Did the 4% rule just become the 5% rule? :)

finite_difference wrote: Thu Oct 22, 2020 1:04 pm Pretty sure Bogleheads are not about to change from 4% to 5% considering they currently follow the 3% rule. (Or 3.5% if you’re really living on the edge.)
I just wanted to say that, if I could add a "HaHa" to your post like I can with iPhone messages, I would. :D
by Ice-9
Sun Oct 18, 2020 10:28 am
Forum: Personal Investments
Topic: At what age did you start moving into bonds?
Replies: 79
Views: 4545

Re: At what age did you start moving into bonds?

I was about 32 years old when I started following Bogleheads and started the three fund portfolio. My strategy has always taken the conservative approach even before being introduced with Bogleheads. I would have taken more risk before I was 40 years old if I did it all over again. My story is simi...
by Ice-9
Wed Oct 14, 2020 2:01 pm
Forum: Personal Investments
Topic: Decision between Total Bond or Intermediate Treasury
Replies: 21
Views: 1204

Re: Decision between Total Bond or Intermediate Treasury

Thank you everyone. I realized this is a decision with probably little impact in the long run. When I switched from Total Bond to Intermediate Treasury a couple of years ago, I remember thinking, "The decrease in SEC Yield is not that great, so I don't feel like I'm 'paying' much for a better d...
by Ice-9
Wed Oct 14, 2020 9:45 am
Forum: Personal Investments
Topic: Decision between Total Bond or Intermediate Treasury
Replies: 21
Views: 1204

Decision between Total Bond or Intermediate Treasury

Hello Bogleheads, For many years I used Total Bond Index for my nominal bond allocation, mostly because it was the only bond index fund available in my workplace plan. A couple of years ago, the self-directed brokerage window "BrokerageLink" became available in my plan, allowing me access ...
by Ice-9
Fri Sep 25, 2020 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Citibank Virtual Account Numbers (VAN) going away?
Replies: 45
Views: 4174

Re: Citibank Virtual Account Numbers (VAN) going away?

I was worried that Citi's virtual account numbers would go away when flash went away at the end of the year. So I was relieved to see they had recently changed the web version to not use flash. Now I'm worried again. Mine still works, for now. Ron Thanks for pointing this out. I hadn't noticed that...
by Ice-9
Tue Sep 08, 2020 11:11 pm
Forum: Personal Consumer Issues
Topic: Strange iMac issue
Replies: 17
Views: 1660

Re: Strange iMac issue

My iMac was waking unexpectedly, and I pinpointed it to my leaving quite a large number of browser tabs open frequently. I realized if I closed Chrome, the iMac would sleep as expected. Your mileage may vary.
by Ice-9
Sun Sep 06, 2020 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can anyone suggest a joint checking account?
Replies: 58
Views: 2950

Re: Can anyone suggest a joint checking account?

Do you need a local branch for this checking account? Or are you OK 100% online?

If you are OK with an online account and don't mind a few simple hoops to jump through, take a look at Presidential Advantage Checking.
by Ice-9
Tue Aug 18, 2020 7:13 pm
Forum: Personal Investments
Topic: How much did you save?
Replies: 102
Views: 14210

Re: How much did you save?

The OP's post is timely for me. I started saving when single and, although married now, have kept track of my personal contributions and net worth just to see how my personal savings effort has been going. My net worth according to Personal Capital just put me in the Two-Comma-Club last week. I'm 47...
by Ice-9
Sat Jul 18, 2020 10:43 am
Forum: Investing - Theory, News & General
Topic: Should everyone have TIPS?
Replies: 91
Views: 7321

Re: Should everyone have TIPS?

I am now 47. I designed a portfolio at I think age 32 that was largely influenced from reading David Swenson and Larry Swedroe and includes half nominal bonds and half inflation-protected bonds in the bond portion. It started as an 86/14 portfolio, but as I became familiar with my risk tolerance whi...
by Ice-9
Fri Jul 10, 2020 3:46 pm
Forum: Personal Consumer Issues
Topic: "Virtual credit card number," Capital One: any reason why not?
Replies: 16
Views: 1479

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

Cons: the plugin monitors websites you visit as it has to recognize checkout pages. This is annoying, but the benefits outweigh the annoyance. From the Terms and Conditions: b. Always-On/Browsing Data: The App detects check-out processes, which means it must be "always on" when enabled. I...
by Ice-9
Fri Jul 10, 2020 2:37 pm
Forum: Personal Consumer Issues
Topic: "Virtual credit card number," Capital One: any reason why not?
Replies: 16
Views: 1479

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

Over the years, I've collected a few means to accomplish the same goal of not having a company on the internet storing my card info. It's turned into a system that probably few other people would bother with, haha. * Capital One Eno virtual numbers on my 1.5% cashback Quicksilver card * Citi virtual...
by Ice-9
Fri Jul 10, 2020 2:23 pm
Forum: Investing - Theory, News & General
Topic: Are you adjusting your REIT Allocation?
Replies: 69
Views: 6419

Re: Are you adjusting your REIT Allocation?

Hoping I don't mess up paraphrasing Bill Bernstein here... If you're allocating less than 5% to any asset class, you're just kidding yourself. Concur with the poster above - if you really feel 5% is too much REIT for you, maybe reallocate that part of your portfolio to a small or mid cap holding or ...
by Ice-9
Wed Jun 24, 2020 2:03 pm
Forum: Personal Investments
Topic: Which tool or App you use for Portfolio /Asset management
Replies: 8
Views: 504

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

For tracking net worth and spending: Personal Capital

For asset allocation: a Google spreadsheet
by Ice-9
Mon Jun 22, 2020 4:45 pm
Forum: US Chapters
Topic: Happy Birthday Mel Lindauer - 6/22/2020
Replies: 58
Views: 4410

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

Happy Birthday Mel!
by Ice-9
Mon Jun 15, 2020 4:57 pm
Forum: Investing - Theory, News & General
Topic: New "Money In Excel"
Replies: 46
Views: 7382

Re: New "Money In Excel"

I'm currently happy with my so far six-year experience with Personal Capital (which followed almost a decade using Yodlee MoneyCenter.) One thing that did always bug me though - there was some speculation on this forum that using services such as Yodlee and Personal Capital might violate security ag...
by Ice-9
Fri Jun 12, 2020 10:46 am
Forum: Personal Investments
Topic: This seems better than nominal treasury or corporate bonds, am I missing something?
Replies: 41
Views: 3850

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

Well that's where the annual inflation adjustment comes in. The principal amount gets adjusted annually by the declared CPI value for that year. I believe the "annual" part of this statement is incorrect. Articles by Tipswatch often refer to monthly adjustments. The breakeven inflation ra...
by Ice-9
Fri Jun 12, 2020 9:09 am
Forum: Personal Investments
Topic: Vanguard vs. Fidelity
Replies: 125
Views: 10662

Re: Vanguard vs. Fidelity

These Zero funds are not recommended in taxable accounts, because they aren't portable if you ever switch to another company and would require incurring a taxable event. Good point, I'd have missed that. Does it mean if I transfer my taxable "in kind" to another custodian, it's not taxabl...
by Ice-9
Fri Jun 12, 2020 9:03 am
Forum: Investing - Theory, News & General
Topic: Why have our employers only offered mutual funds (and not stocks / bonds / ETFs)?
Replies: 34
Views: 1852

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

My workplace's plan technically only offers mutual funds, as you described. However, they also offer a self-directed brokerage window, which at Fidelity is called BrokerageLink. There, I can buy any ETFs, individual stocks, individual bonds, and even most mutual funds I want. It's basically like a t...
by Ice-9
Thu Jun 04, 2020 4:26 pm
Forum: Personal Investments
Topic: Vanguard vs. Fidelity
Replies: 125
Views: 10662

Re: Vanguard vs. Fidelity

I have a Roth IRA at Vanguard and my workplace retirement accounts at Fidelity. Funds tracking the broad market indices recommended on this forum will be similar at Fidelity and Vanguard and anywhere else... S&P 500 Index Total Stock Market Index Total International Index Total Bond Market Index...
by Ice-9
Tue Jun 02, 2020 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Did you see a drop in your expenses in May?
Replies: 29
Views: 1847

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

For more than a decade, I've mostly lived by Boglehead principles. We don't buy luxury items, we invest all we can, we avoid high expenses. The biggest thing I've always pictured most folks on this forum disapproving of from our usual spending is restaurants. We live in a great area to dine out and ...
by Ice-9
Fri May 01, 2020 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Is it safe to store financial statements in the cloud?
Replies: 48
Views: 3691

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

Check out this free service by Fidelity Labs (?)... fidsafe.com Otherwise, if using Dropbox, etc, I would first encrypt the files/folder using something like TrueCrypt.. just make sure that you keep the keys safe on several places (office, home, other relative's PCs). My 2cents. Pax beat me to it, ...
by Ice-9
Thu Apr 30, 2020 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25939

Re: IRS Get My Payment up and running

Here's how my payment went, in case anyone find this helpful: April 15 - submitted my bank info on the Get My Payment website. They likely didn't have it because I owed in 2019 (which the IRS stated they wouldn't use for direct deposit purposes) and had a refund direct deposited in 2018 to an accoun...
by Ice-9
Tue Apr 28, 2020 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: New 2020 Form W-4
Replies: 7
Views: 632

Re: New 2020 Form W-4

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

I used it with success in previous years.
by Ice-9
Mon Apr 27, 2020 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One Bank bonus $450
Replies: 51
Views: 9645

Re: Capital One Bank bonus $450

Are we sure this is for existing customers only? This page appears geared towards at least including new customers (if not aimed at them altogether): https://www.capitalone.com/score500/ When you open a 360 Performance Savings account, you’ll earn 1.50% APY (Annual Percentage Yield) on any balance—a...
by Ice-9
Tue Apr 14, 2020 12:30 pm
Forum: Investing - Theory, News & General
Topic: What does it mean to stick to your allocation? - Part 1
Replies: 34
Views: 988

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

A is maintaining his/her target allocation.

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

As long as both are following their IPS, they are both fine. (I personally follow A.)
by Ice-9
Tue Mar 10, 2020 4:06 pm
Forum: Investing - Theory, News & General
Topic: I Bonds are a screaming buy - Tipswatch
Replies: 163
Views: 30809

Re: I Bonds are a screaming buy - Tipswatch

The monthly value of a $25 I Bond is rounded to the nearest penny and larger I Bonds are scalings of this. E.g., each monthly value of a $10,000 I Bond with be 400 times the value of a $25 bond. This is off the topic of the original post, but thank you #Cruncher for solving one of my biggest myster...
by Ice-9
Mon Mar 09, 2020 5:17 pm
Forum: Personal Investments
Topic: Rebalancing early in fearful times
Replies: 17
Views: 1190

Re: Rebalancing early in fearful times

Around 3 pm today I made a copy of my asset allocation spreadsheet and quickly adjusted numbers for the daily moves on ETF versions of my funds. My rebalancing thresholds are set by Larry Swedroe's 5/25 Rule. My overall stock/bond allocation was almost but not quite there - target 70/30 and I think ...
by Ice-9
Fri Mar 06, 2020 11:51 am
Forum: Investing - Theory, News & General
Topic: Be fearful when others are greedy. Be greedy when others are fearful.
Replies: 129
Views: 9415

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

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

I haven't yet hit my rebalancing bands (per Swedroe 5/25 rule), so I'm not selling bonds to buy stocks at this point.
by Ice-9
Thu Mar 05, 2020 9:31 am
Forum: Investing - Theory, News & General
Topic: Early sources of 'Bogle's Folly'
Replies: 3
Views: 615

Re: Early sources of 'Bogle's Folly'

If I were on a quest to find an early use of the term, I might start by looking for the June 1975 issue of Fortune Magazine just to see if someone happened to be quoted using it there. Bogle founded The Vanguard Group in 1974 and started the Vanguard 500 Index Fund (VFINX) (then called the First Ind...
by Ice-9
Mon Feb 24, 2020 9:27 pm
Forum: Investing - Theory, News & General
Topic: Net worth approaching lifetime earnings. How many years did it take?
Replies: 50
Views: 6118

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

Mid-40's and my net worth is about 65% of lifetime earnings on the Social Security statement. As I added the totals up, it was looking like I might make it to "approaching lifetime earnings" until I added in the last five years, during which I had bigger salary increases. So, I guess I can...