Search found 1516 matches

by Ice-9
Mon Apr 05, 2021 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else see drastic increase in Zillow value today?
Replies: 127
Views: 12016

Re: Anyone else see drastic increase in Zillow value today?

For at least a couple of years, I felt Zillow had the more accurate number and Redfin was wildly exaggerating the estimate for our house. As I check today though, Redfin looks in line with recent sales in the neighborhood and Zillow is 6% higher. I mean, it would be nice if Zillow were right, but I ...
by Ice-9
Thu Mar 25, 2021 10:19 am
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 240
Views: 22974

Re: What is the BEST thing you spent money on?

Currently, a lot of money is going towards adoption effort, for which we have no results yet but hope it will be the best thing, but that was on the OP's Do-Not-Count list anyway. :) A few possible answers: * Two trips to wife's home country of Vietnam (though everything was so less expensive than w...
by Ice-9
Fri Feb 26, 2021 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: So... are people getting a letter from the IRS as a FYI that you got your second stimulus?
Replies: 41
Views: 3535

Re: So... are people getting a letter from the IRS as a FYI that you got your second stimulus?

I got a letter a month after the first stimulus in May and was unnecessarily anxious the entire day following informed delivery notice until the mail came. Thank you OP for posting this and reminding me, as I haven't received the letter for the second stimulus yet, so you likely saved me anxiety thi...
by Ice-9
Tue Feb 23, 2021 2:19 pm
Forum: Personal Consumer Issues
Topic: Changes to LastPass free
Replies: 209
Views: 14626

Re: Changes to LastPass free

Annoying. I too would transfer to another free company if it was easy to do. Can't imagine it's easy at all. I switched password manager companies before, though I haven't specifically gone LastPass to BitWarden or 1Password as mentioned in this thread. But as far as I can tell, all the big passwor...
by Ice-9
Thu Feb 11, 2021 12:52 pm
Forum: Personal Consumer Issues
Topic: Is "Amazon Day" delivery less reliable?
Replies: 23
Views: 1825

Re: Is "Amazon Day" delivery less reliable?

Despite ordering lots of stuff frequently on Amazon, I had not heard of "Amazon Day" delivery before this post. I had a small item in mind and decided to order to see. It looks like this "Amazon Day" delivery may have replaced a former option to allow Amazon to group your package...
by Ice-9
Thu Feb 11, 2021 11:20 am
Forum: Personal Consumer Issues
Topic: Anyone else like having passwords that they can remember?
Replies: 65
Views: 3772

Re: Anyone else like having passwords that they can remember?

Haven't read through all the replies, but the obvious answer to the irrational fear of being locked out: * Use a password manager with a tough password you remember * For the few passwords that you may be more likely to need to use without a password manager with some frequency, come up with additio...
by Ice-9
Wed Feb 10, 2021 9:19 pm
Forum: Personal Investments
Topic: Are Bogleheads still investing at Vanguard?
Replies: 132
Views: 11600

Re: Are Bogleheads still investing at Vanguard?

. . . . . . * Mostly because I occasionally participate in Vanguard's Facebook page, I've received a good bit of Vanguard swag over the years - a t-shirt, two coffee mugs, a hat, a book. So, I thank Vanguard for that. :happy I don't have a Facebook account, is there a way I can get a coffee mug? I ...
by Ice-9
Tue Feb 09, 2021 2:39 pm
Forum: Personal Investments
Topic: Are Bogleheads still investing at Vanguard?
Replies: 132
Views: 11600

Re: Are Bogleheads still investing at Vanguard?

My workplace accounts are at Fidelity. My Roth IRA has always been at Vanguard. I also am an authorized agent on my wife's Roth IRA, Rollover IRA, Inherited IRA, and Brokerage account at Vanguard. So, yes, still investing at Vanguard, and still a happy customer. * I'd estimate we make a call to Vang...
by Ice-9
Wed Jan 27, 2021 1:39 pm
Forum: Personal Investments
Topic: Fidelity ZERO Total Market Index closed to new investors?
Replies: 26
Views: 7582

Re: Fidelity ZERO Total Market Index closed to new investors?

That's odd, I have it in my Traditional IRA with Fidelity. You'd think the Fidelity guy would have told me that - he just said it should re-open but he didn't know when. :shock: I guess FSKAX(Fidelity Total Market Index Fund) it is... Your traditional IRA is a retail account. The ZERO funds are ava...
by Ice-9
Mon Jan 25, 2021 5:32 pm
Forum: Personal Consumer Issues
Topic: Mail to Canada problems
Replies: 9
Views: 581

Re: Mail to Canada problems

I think sometime in the last year PayPal started offering (due to an acquisition maybe?) Xoom:
https://www.paypal.com/us/for-you/trans ... nationally

I haven't used it, but it sounds easy to use.
by Ice-9
Fri Jan 22, 2021 2:08 pm
Forum: Investing - Theory, News & General
Topic: 2nd million is easier!
Replies: 193
Views: 46826

Re: 2nd million is easier!

OP, as someone who just a few months ago reached his first million at age 47 (like you), thank you for giving me something to look forward to! :happy

Congratulations!
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: 51
Views: 3369

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: 51
Views: 3369

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: 51
Views: 3369

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: 72
Views: 4370

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: 27
Views: 3547

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: 212
Views: 16261

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: 3500
Views: 582643

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: 142
Views: 18684

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: 8044

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: 511

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: 89
Views: 8189

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: 26743

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: 5971

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: 17645

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: 3910

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: 119
Views: 8343

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: 2459

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: 2459

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: 2459

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: 2114

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: 19702

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: 4668

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: 1301

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: 1301

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: 47
Views: 4944

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: 1665

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: 2962

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: 14415

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: 134
Views: 12140

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: 1522

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: 1522

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: 6742

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: 511

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: 4454

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: 10206

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: 3865

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: 141
Views: 13694

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: 1889

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: 141
Views: 13694

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...