Search found 1514 matches

by Ice-9
Thu May 30, 2019 2:30 pm
Forum: Personal Investments
Topic: The Best High Yield Savings Account
Replies: 67
Views: 10206

Re: The Best High Yield Savings Account

One that often gets overlooked is FNBODirect.com currently with 2.25% savings and 0.65% checking (with no hoops.) Back in 2005-6, I was a serious rate chaser for whatever reason. I opened accounts with no less than five different online banks trying to get the best rate. Of those, most have lowered ...
by Ice-9
Tue Apr 23, 2019 8:37 pm
Forum: Personal Consumer Issues
Topic: Urban Myth on Electronic Car Break-ins?
Replies: 17
Views: 1371

Re: Urban Myth on Electronic Car Break-ins?

Faraday key protectors can be had cheaply enough.
https://www.amazon.com/s?k=faraday+key+ ... b_ss_i_1_6

Also Faraday bags for phones are available.
by Ice-9
Tue Apr 23, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: Amazon Returns accepted at Kohl's Dept. Stores...
Replies: 26
Views: 2862

Re: Amazon Returns accepted at Kohl's Dept. Stores...

Very interesting.

While my usual Amazon return location is a UPS Store one mile from my home, and the nearest Kohl's is maybe five miles, I do project this feature may bring me to Kohl's more often than my current one trip or so a year. I think the market excitement is warranted.
by Ice-9
Thu Mar 21, 2019 6:18 pm
Forum: Investing - Theory, News & General
Topic: Series I Savings Bonds Buying Opportunity
Replies: 52
Views: 11024

Re: Series I Savings Bonds Buying Opportunity

I was actually thinking similar to the OP that I might buy a little bit before May. I buy regularly at the end of every May and November, adjusting the purchase amount according to the new fixed rate. I also assess how the 5-month old I-Bond rate compares with current 1-yr CDs every April and Octobe...
by Ice-9
Thu Mar 14, 2019 9:55 pm
Forum: Personal Investments
Topic: What role do bonds play in your portfolio?
Replies: 79
Views: 8652

Re: What role do bonds play in your portfolio?

The role of bonds in my portfolio: To keep me from making bad mistakes in a downturn. (1) To answer the direct question about rebalancing: I follow the Swedroe 5/25 rule (2) Thanks for the interesting reply. Here's my questions. (1) So, effectively avoiding the mistakes meant that the bond allocati...
by Ice-9
Thu Mar 14, 2019 7:31 pm
Forum: Personal Investments
Topic: What role do bonds play in your portfolio?
Replies: 79
Views: 8652

Re: What role do bonds play in your portfolio?

When I first started investing in 2005-6, all of the reading materials I was into were telling me I needed some bonds, but I didn't understand why. I was young - early 30s - and added a token 15% allocation to bonds just to appease the gurus. In fall of 2008, stocks dropped a lot, and I responded wi...
by Ice-9
Thu Mar 07, 2019 3:50 pm
Forum: Personal Investments
Topic: Why aren’t Fido’s lower ERs a reason to switch from VG?
Replies: 43
Views: 3439

Re: Why aren’t Fido’s lower ERs a reason to switch from VG?

My employer uses Fidelity, so most of my retirement funds are with them. I've also always had my Roth IRA at Vanguard. When I started investing at both about 15 years ago, Vanguard's expense ratios were the clear winner, and I was sad but willing to make-do with most of my portfolio being at Fidelit...
by Ice-9
Fri Mar 01, 2019 3:18 pm
Forum: Personal Investments
Topic: Personal Capital
Replies: 20
Views: 1751

Re: Personal Capital

They call me once, at most twice, a year. Every time I tell them how much I enjoy using their software and I'm sorry to have to tell them I'm a DIY index fund guy and I actually enjoy the small work of maintaining my current portfolio. It's a pleasant, short conversation every 6-12 months with no pu...
by Ice-9
Thu Feb 28, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 342
Views: 24309

Re: How do YOU make coffee?

We got this Cuisinart Coffee Maker a couple years ago with 20% Bed Bath & Beyond coupon for a good bit cheaper than is currently on Amazon: https://www.amazon.com/Cuisinart-DCC-3200-PerfecTemp-Programmable-Coffeemaker/dp/B00MVWGQX0/ref=sr_1_6 Replaced a similar model we had for many years previo...
by Ice-9
Thu Feb 28, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: How did mylife.com get my info?
Replies: 115
Views: 16153

Re: How did mylife.com get my info?

I must be doing something right. I just checked myself and they had so many things incorrect it was laughable. Political views - wrong Ethnicity - wrong - I'm German and they have me listed as Middle Eastern Religion - hoo boy way off Marriage status - wrong People I associate with - wrong Parental...
by Ice-9
Wed Feb 27, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: Software That Searches Inside PDF Files
Replies: 21
Views: 993

Re: Software That Searches Inside PDF Files

You can do this in Adobe Acrobat Reader: https://www.online-tech-tips.com/computer-tips/how-to-search-for-text-inside-multiple-pdf-files-at-once/ Also, I believe what was mentioned earlier about Macs will work. Not just opening individual PDF files, but using the Mac OS Finder to search content. If ...
by Ice-9
Tue Feb 26, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: W-4 State Tax Withholding Question
Replies: 9
Views: 668

Re: W-4 State Tax Withholding Question

The IRS has a great withholding calculator. Break out your latest paystub and give it a try. It gives you precise W-4 instructions for Federal at the end. I wish my state offered something similar. https://www.irs.gov/individuals/irs-withholding-calculator How does that help the OP figure out his N...
by Ice-9
Mon Feb 25, 2019 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Who does their own taxes?
Replies: 111
Views: 8612

Re: Who does their own taxes?

I've always done my own taxes. Did them by hand until late 1990s. Typed out the IRS' PDF forms and printed and mailed until about 2004. Used Turbo Tax from then until maybe 2012, then switched to TaxAct because they were cheaper. Now that TaxAct has raised their prices, I'm planning to try FreeTaxUS...
by Ice-9
Fri Feb 22, 2019 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: W-4 State Tax Withholding Question
Replies: 9
Views: 668

Re: W-4 State Tax Withholding Question

The IRS has a great withholding calculator. Break out your latest paystub and give it a try. It gives you precise W-4 instructions for Federal at the end. I wish my state offered something similar.

https://www.irs.gov/individuals/irs-wit ... calculator
by Ice-9
Fri Feb 22, 2019 12:05 pm
Forum: Investing - Theory, News & General
Topic: Target Date funds are hazardous to your wealth
Replies: 59
Views: 10716

Re: Target Date funds are hazardous to your wealth

I was hoping this article would shed some light on a question I was recently pondering, but it didn't. My wife and I are in our 40s. I enjoy maintaining a target asset allocation; she does not. My target allocation is relatively conservative 70/30 across a small handful of asset classes, and she use...
by Ice-9
Thu Feb 21, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: How to make a good, accurate map of a small village
Replies: 17
Views: 1673

Re: How to make a good, accurate map of a small village

GIS software? You can use the free open source QGIS, with a bit of a learning curve. Might be able to trace everything you mentioned from an aerial photo. Download https://qgis.org/en/site/forusers/download.html Intro https://docs.qgis.org/2.8/en/docs/gentle_gis_introduction/ If in US, you could fin...
by Ice-9
Thu Feb 21, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Don't Save your pymt info online
Replies: 35
Views: 4145

Re: Don't Save your pymt info online

Chrome saves my credit cards encrypted. I can select one and it prompts me for the CVC code on the back of the card and then autofills the rest (sometimes the exp date doesn't autofill). This way they aren't saved at the merchant but I can access them quickly without pulling the card out (if you ca...
by Ice-9
Wed Feb 20, 2019 10:02 am
Forum: US Chapters
Topic: Do you discuss BH philosophy with others?
Replies: 66
Views: 4826

Re: Do you discuss BH philosophy with others?

I only talk investing with one other person, a co-worker/friend of mine. Ironically, he's the one who introduced me to Bogleheads.org but by no means does he follow the philosophy. Otherwise I tend to keep money/investing to myself and simply listen (and wince) when I hear my friends/peers openly d...
by Ice-9
Tue Feb 19, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: Don't Save your pymt info online
Replies: 35
Views: 4145

Re: Don't Save your pymt info online

Using a virtual credit card number instead of the real number for online purchases would help, if your card issuer has that option. Read through the entire thread saying to myself, if nobody else mentions it, I'm going to suggest virtual credit card numbers. Lo and behold, McDougal beat me to it! :...
by Ice-9
Tue Feb 19, 2019 11:53 am
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 225
Views: 22414

Re: Vanguard lowering Admiral level to $3,000?

Looks like Admiral Shares of the Total World fund were made available a week or so ago:
https://investor.vanguard.com/mutual-fu ... ance/vtwax
by Ice-9
Thu Feb 07, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: Washer/dryer suggestions?
Replies: 46
Views: 8303

Re: Washer/dryer suggestions?

Add my vote to those recommending LG washer/dryers. Just purchased ours two months ago to replace ancient ones from the 90s in our upstairs laundry room. We had nicknamed the old washer "Thumper" to give you an idea of why. :happy We briefly considered front-loading washer but went with le...
by Ice-9
Wed Feb 06, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: FamilyTreeDNA Admits to Sharing Genetic Data
Replies: 53
Views: 3178

Re: FamilyTreeDNA Admits to Sharing Genetic Data

I happen to be a FamilyTreeDNA customer and received this email from them Sunday. In summary, they are saying they aren't doing any special sharing with the FBI as seems to have been reported. They are simply letting them have a user account to allow them to see what any Family Tree DNA customer see...
by Ice-9
Mon Feb 04, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage "Benefits"
Replies: 108
Views: 10321

Re: Marriage "Benefits"

Are there any financial "perks" of getting married? I'm not a traditionalist by any means (neither is my partner), I hate how overpriced weddings in my areas are (it's disgusting, 50K is a "cheap" wedding - never happening), hate how overpriced rings are ... I love her and all t...
by Ice-9
Sat Feb 02, 2019 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 314
Views: 35687

Re: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale

I locked in a 30% discount with TaxAct for 2018 via email offer last summer, but I'm considering forgetting about that and downloading H&R Block from Amazon now for $23, which is still about half of TaxAct's price with State even after the discount. However, the recent Amazon reviews are full of...
by Ice-9
Sun Jan 27, 2019 11:31 am
Forum: Investing - Theory, News & General
Topic: What did you learn from 2018 in the markets?
Replies: 119
Views: 10081

Re: What did you learn from 2018 in the markets?

I learned that I apparently learned a lot from 2008-9. The markets in the latter part of 2018 weren't fun or anything, but didn't really register as much of a shock for me as all of the buzz I was reading on the internet about it.

Stay the course. It can get way worse than 2018.
by Ice-9
Tue Jan 22, 2019 12:05 pm
Forum: Personal Investments
Topic: 2019 I-Bonds Purchase Now Or Wait For New Rates
Replies: 15
Views: 3186

Re: 2019 I-Bonds Purchase Now Or Wait For New Rates

If you will be making a similar decision every January, maybe the best "split the difference" option would be: * one-quarter in January at the current Nov-Apr fixed rate * one-half in May at the new May-Oct fixed rate * one-quarter in Nov at the new Nov-May(following year) fixed rate Or ju...
by Ice-9
Tue Jan 22, 2019 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Suggestion Box for Vanguard's Website
Replies: 4
Views: 435

Suggestion Box for Vanguard's Website

I thought it might be a good idea for Bogleheads to post to a wish list thread for potential upgrades to the Vanguard website. If there are changes you wish Vanguard would make, post them here. Then if other Bogleheads agree, they can mention items they took note of in this thread next time they com...
by Ice-9
Sun Jan 20, 2019 1:23 am
Forum: Personal Consumer Issues
Topic: Cleaning up Facebook feed for elderly relative
Replies: 12
Views: 2430

Re: Cleaning up Facebook feed for elderly relative

Have you tried the browser plugin Social Fixer? It's available as a Chrome extension, Firefox add-on, or for otherwise at https://socialfixer.com/ It includes several things you can do to filter posts. A lot of people use the top recommended filter to get rid of (most) political posts, but it can fi...
by Ice-9
Thu Jan 17, 2019 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: How long until we see negative ER funds?
Replies: 44
Views: 3849

Re: How long until we see negative ER funds?

What makes you think there isn't already a negative ER fund? VTWO (from Vanguard) & IWM (from iShares) already have negative effective ERs. The world has long since moved past ER at the truly meaningful number thanks to confounding factors like securities lending. What really matters is trackin...
by Ice-9
Mon Jan 14, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Amazon Rewards Visa -- predatory lending?
Replies: 38
Views: 5178

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: 137
Views: 9092

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: Personal Finance (Not Investing)
Topic: Financial goals for 2019 (specific)
Replies: 86
Views: 8992

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: 10840

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: Personal Investments
Topic: Capital One 360 NOW Offers Beneficiary Option
Replies: 6
Views: 1336

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: 2238

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: 265
Views: 24318

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 u...
by Ice-9
Fri Dec 14, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Who else is doing home automation?
Replies: 64
Views: 4496

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: 25750

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: Personal Investments
Topic: Keepsake Savings Bonds?
Replies: 9
Views: 734

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: 1980

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: 114
Views: 9752

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: Personal Investments
Topic: Is a 5-year CD closer in behavior to TIPS or IT?
Replies: 6
Views: 720

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: 5898

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: Personal Investments
Topic: When to cash in EE Savings Bonds
Replies: 16
Views: 2077

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: Personal Investments
Topic: When to cash in EE Savings Bonds
Replies: 16
Views: 2077

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: 5076

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: Personal Investments
Topic: Two I-Bond questions (strategy and withdrawal)
Replies: 7
Views: 1233

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: Personal Investments
Topic: Target Date vs 2 or 3 Fund Portfolio
Replies: 7
Views: 1057

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: 51
Views: 4706

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: 51
Views: 4706

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...