Search found 307 matches

by penumbra
Fri Oct 16, 2020 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Time travel for high salary earners
Replies: 106
Views: 11201

Re: Time travel for high salary earners

I think you've gotten some good advice so far. Sounds like you're an employee? Tax deferred space is likely limited. With private practice groups, there are opportunities to structure more robust and complex defined benefit plans, etc. We were able to put away several hundred thousand/yr that way, e...
by penumbra
Wed Sep 30, 2020 3:37 pm
Forum: Personal Investments
Topic: Terrible on-boarding experience with Vanguard-- keep going?
Replies: 45
Views: 3592

Re: Terrible on-boarding experience with Vanguard-- keep going?

I understand your dissatisfaction. Ran into similar issues setting up accounts there. While I maintain an account, I keep it simple and limited. I have had exquisite service from Fidelity and would never consider switching. Their customer service, as you will find if you search this forum, is nearly...
by penumbra
Sun Sep 27, 2020 12:12 am
Forum: Personal Consumer Issues
Topic: New Folders on Desktop Duplicating Files
Replies: 9
Views: 933

Re: New Folders on Desktop Duplicating Files

You have an interesting, complicated problem. I don’t have the answer. But I recently had a very complicated but related type of problem in my Photos application. I called Apple support, and spent a total of five hours with 2 experts who step by step, analyzed my problem, and had me make changes. Th...
by penumbra
Sat Sep 26, 2020 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Retired physicians (but others ok too. ;))
Replies: 59
Views: 6727

Re: Retired physicians (but others ok too. ;))

Interesting questions. Fully retired about 4 years. Just wouldn't think about giving up my license. I suppose some of it is because I enjoyed being a doc, and worked so hard to get there. It's still part of my identity, although I have no medical participation to speak of. Being able to renew prescr...
by penumbra
Fri Aug 28, 2020 1:58 pm
Forum: Personal Consumer Issues
Topic: Going back to the office
Replies: 20
Views: 921

Re: Going back to the office

OMG! Read your own post. Don't do it! The risks are immense. Wouldn't be worth it no matter what the salary. You'll never forgive yourself if the virus hits you or your family.k What would you advise someone to do if someone else had made your post?
by penumbra
Mon Aug 24, 2020 10:15 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 349
Views: 30160

Re: How much you lost/gain since Feb 20,2020 ?

Max loss $7 million. Since recovered $8M to all time high. Lots of tax loss harvesting toward the bottom, but later reinvested largely in tech. All in all, would have done about as well if I had just left things alone, but frankly, I was scared to death. 🥺
by penumbra
Sun Aug 23, 2020 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Quit corporate job @ age 34 with $1.3M?
Replies: 225
Views: 22877

Re: Quit corporate job @ age 34 with $1.3M?

Well, I'm reading about your situation from much later in life, but I remember being stressed at your age and wondering how long I could take it, whether there was a lesser choice which might work, maybe a different employer, etc. All I can tell you is that life will look different at 40, then 45, t...
by penumbra
Fri Aug 21, 2020 12:28 am
Forum: Personal Finance (Not Investing)
Topic: how often do you check your net worth?
Replies: 153
Views: 9832

Re: how often do you check your net worth?

Good question. I used to devise complex spreadsheets so things would update at the touch of a button each time I opened them. I was proud of having learned excel well enough to do that, but them I would invest in something else that required a redesign. What a glorious waste of time! Now I have ever...
by penumbra
Wed Aug 19, 2020 12:01 am
Forum: Investing - Theory, News & General
Topic: Think no one can beat the index?
Replies: 158
Views: 15415

Re: Think no one can beat the index?

I'll check back in the future and post another results update. I suppose I should expect most everyone to again claim it is just "luck" that I continue to outperform the market. People are coming at you because your "track record" is actually a 10 month period of time. Until you actually have a tra...
by penumbra
Sat Aug 08, 2020 9:04 pm
Forum: Personal Consumer Issues
Topic: Looking for a $500 new office chair
Replies: 33
Views: 2365

Re: Looking for a $500 new office chair

Bought a used Aeron from a wholesaler after all the bankruptcies following 2000. So about 19 years ago. ThInk I paid 400-500. It’s been durable and very comfortable. Extremely adjustable. Still very happy and would Strongly recommend it.
by penumbra
Thu Jul 30, 2020 1:10 pm
Forum: Investing - Theory, News & General
Topic: Disappointed with Fidelity's Online Interface
Replies: 69
Views: 6340

Re: Disappointed with Fidelity's Online Interface

"Am I being ridiculous in my demands? I was debating between Schwab and Fidelity and post there here for anyone in the same situation. I'm really regretting switching to Fidelity." Just listen to yourself! It's a perfectly good and, in fact, robust website. It's just not what you're used to. Fidelit...
by penumbra
Thu Jul 09, 2020 11:00 pm
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 580
Views: 60334

Re: Why not 100% PSLDX?

Just thought I would let the forum know the following: I have most accounts at Fidelity, but because of the high minimum for this fund, I transferred my Roth IRA to Vanguard and purchased it there (about $300K). Recently confirmed with Fidelity that I could transfer the account back to them and cont...
by penumbra
Thu Jul 02, 2020 10:52 pm
Forum: Personal Consumer Issues
Topic: Need home printer suggestions
Replies: 29
Views: 1482

Re: Need home printer suggestions

I have 3 Brother laser printers in my office. The first, an HL 5240, is wired. purchased in 2005. Got a wireless one a few years later. Then got an all in one for copying and scanning capabilities. I try to use the older ones the most so they'll die and I'll get my full money's worth (I'm very cheap...
by penumbra
Thu May 14, 2020 12:54 am
Forum: Personal Finance (Not Investing)
Topic: Good Time to Buy New Car or Wait?
Replies: 38
Views: 3762

Re: Good Time to Buy New Car or Wait?

Definitely wait til later in the year. You ain’t seen nothin’ yet.
by penumbra
Wed May 13, 2020 1:34 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 57777

Re: How to get Toilet Paper ? seriously.

Went to Costco today at 4pm. SoCal. Lots of TP and paper towels. No crowds. Very pleasant... lots of meat too.
by penumbra
Sun May 10, 2020 2:38 pm
Forum: Personal Consumer Issues
Topic: Password vault or generator?
Replies: 110
Views: 7156

Re: Password vault or generator?

I have 273 sites on my LastPass account. Works extremely well, couldn’t get by without it. Recommend it wholeheartedly! I watch my wife, who hasn’t made the conversion, struggle with misremembered passwords, lost scraps of paper with data on them, and alarming emotional outbursts of frustration. Not...
by penumbra
Wed Apr 01, 2020 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: bogleheading my car, opinions please. From a Tesla to a Honda
Replies: 84
Views: 5606

Re: bogleheading my car, opinions please. From a Tesla to a Honda

This is a really interesting problem. I’ve driven teslas and they are quite amazing. I own a Honda accord and just love it. One of the big factors for me is Apple CarPlay which the Honda has andthe Tesla does not. I’m guessing you may not be familiar with its features but for me it is a dealbreaker....
by penumbra
Sun Mar 29, 2020 8:08 pm
Forum: Personal Consumer Issues
Topic: best replacement for Cox gateway modem/router combo
Replies: 5
Views: 314

Re: best replacement for Cox gateway modem/router combo

I bought the 7000 unit you mentioned in your second link, but refurbished from Amazon as the poster above mentioned for my daughter’s apartment. I researched it and talked to Cox first. It has worked extremely well. Would highly recommend! If my separate units go out, would consider it for my home a...
by penumbra
Wed Mar 11, 2020 1:30 pm
Forum: Personal Consumer Issues
Topic: Recommendations for One-Stop Shop Brokerage Account
Replies: 4
Views: 501

Re: Recommendations for One-Stop Shop Brokerage Account

Your questions are not unique. This has been asked so many times before: do a search. I have the same requirements as you and am completely happy with Fidelity. Schwab could work also, but NOT Vanguard.
by penumbra
Sun Mar 01, 2020 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Why am I not at Fidelity?
Replies: 25
Views: 3743

Re: Why am I not at Fidelity?

What is the point of this thread? Is this a question for us or for you?
Do what makes you happy. 😉

Edit: I have accounts at both. Fidelity is so superior for my purposes I couldn’t recommend them more highly. 10/10.

Vanguard: 2/10.
by penumbra
Sun Dec 01, 2019 1:34 pm
Forum: Personal Consumer Issues
Topic: New Macbook Pro - dvd drive
Replies: 31
Views: 2004

Re: New Macbook Pro - dvd drive

duplicate
by penumbra
Sun Dec 01, 2019 1:34 pm
Forum: Personal Consumer Issues
Topic: New Macbook Pro - dvd drive
Replies: 31
Views: 2004

Re: New Macbook Pro - dvd drive

Bought a Samsung external dvd Drive about 5 years ago, for about $15-20 bucks. Still working flawlessly...comes in very handy.
by penumbra
Sun Nov 03, 2019 9:40 pm
Forum: Personal Investments
Topic: aapl stock, trailing stop, wwyd?
Replies: 10
Views: 1505

Re: aapl stock, trailing stop, wwyd?

I can echo sentiments above. Still Have a large position @ $50/share (7000 shares). Some years ago sold 6000 shares , being spooked by something I can’t even remember. Really dumb. Since then, have seen numerous retracements far exceeding 10%. With 5G coming, no chance I’d let anything scare me into...
by penumbra
Fri Oct 04, 2019 10:22 pm
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 17798

Re: How many are switching from Fidelity?

Switch? No way. I have complex accounts, and Fidelity does a fabulous job.

Good luck.
by penumbra
Fri Oct 04, 2019 8:28 pm
Forum: Personal Consumer Issues
Topic: burner phone for failing iphone?
Replies: 18
Views: 1983

Re: burner phone for failing iphone?

Just today went thru a drill trying to use a cheaper ZTE android phone as a temporary fix. Several hours later, I can tell you it's a royal pain. Second the suggestion of an external battery case.
by penumbra
Fri Oct 04, 2019 8:22 pm
Forum: Personal Consumer Issues
Topic: Medical Specialists
Replies: 11
Views: 1388

Re: Medical Specialists

Physician here. Gastroenterologist. Simple cysts are common, and usually painless. See a good gastroenterologist.
by penumbra
Wed Oct 02, 2019 11:52 pm
Forum: Personal Investments
Topic: Considering switch from Vanguard to eTrade...pros, cons and other input?
Replies: 149
Views: 13265

Re: Considering switch from Vanguard to eTrade...pros, cons and other input?

I applaud your decision to leave Vanguard. I have never experienced such 4th rate customer service and incompetence before. They are at the absolute bottom of any financial firm I have dealt with in the 38 years I have been investing. One caveat, I am only flagship so maybe the service is better wh...
by penumbra
Sun Sep 29, 2019 11:17 pm
Forum: Personal Investments
Topic: Munis in Taxable or Bonds in the 401K?
Replies: 41
Views: 3242

Re: Munis in Taxable or Bonds in the 401K?

^^ +1

Retired doc here. Originally handled account the way you suggested. Big mistake. 401k grows much too big over time (now over 8 figures), resulting in tax problems when its time for RMD’s. Much much better to keep equities in taxable and bonds in 401k. You’ll see.

Good luck.
by penumbra
Fri Sep 27, 2019 12:24 am
Forum: Personal Investments
Topic: Which brokerages can display Personal Portfolio Performance? [Update 2020-07-22]
Replies: 27
Views: 2580

Re: Which brokerages can display Personal Portfolio Performance?

+1
Of course Fidelity has all that, and more. I have Wells Fargo, Schwab, Merrill Edge and Vanguard accounts. Fidelity is by far the best. One man's opinion.
by penumbra
Mon Sep 02, 2019 10:28 pm
Forum: Personal Investments
Topic: Need help diversifying -- 17.8% of investments are in a single stock
Replies: 19
Views: 2543

Re: Need help diversifying -- 17.8% of investments are in a single stock

I have some idea of your situation. Have very large gains in a few tech stocks, and it gets very hard to think about selling. But $3000 is a relatively small hit. If the stock goes up, it’ll be harder yet. If it goes down, you stand to lose lots more than you save by paying lesser taxes. I’d sell an...
by penumbra
Fri Aug 30, 2019 6:24 pm
Forum: Investing - Theory, News & General
Topic: Best Fidelity Money Market Account to Hold Cash?
Replies: 56
Views: 23691

Re: Best Fidelity Money Market Account to Hold Cash?

I know it's not for everyone, but for an initial (much) higher minimum, FMPXX has a current 7 day yield of 2.15%. It's worked for me in after tax accounts.

In taxable (I'm in CA), I use FSBXX for a 7 day yield of 1.14%. I'm in the highest bracket.
by penumbra
Wed Aug 21, 2019 10:42 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View recent improvements
Replies: 37
Views: 5351

Re: Fidelity Full View recent improvements

Based on this thread, I tried FullView again (have a Mac). Very pleasantly surprised to see how well it works now! I had to reverify an outside account at Vanguard, and then everything was fine. Have no qualms about linking my handful of outside accounts. I have confidence Fidelity is as safe or saf...
by penumbra
Sat Aug 17, 2019 6:21 pm
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 77
Views: 10000

Re: WSJ print edition renwal time - any discounts?

WSJ again available using frequent flyer points at magsformiles.com. Hope this helps someone else!!!
by penumbra
Fri Aug 16, 2019 12:44 am
Forum: Personal Investments
Topic: Fidelity Website - slow response time
Replies: 4
Views: 532

Re: Fidelity Website - slow response time

I was on it for about two hours today during market hrs. Everything was good.....
by penumbra
Tue Aug 13, 2019 11:21 pm
Forum: Personal Consumer Issues
Topic: Do you "lock" computers in your home?
Replies: 77
Views: 6310

Re: Do you "lock" computers in your home?

I’m the second responder who’s had my laptop (my wife’s also) stolen from my home. Both were shut down since we were on vacation, and both our current Mac’s also set to time out, requiring a password. Would never leave them without requiring password.
by penumbra
Tue Aug 06, 2019 11:44 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 135
Views: 35095

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

Thought I had posted this earlier, but I must have screwed up. I own an Accord EX-L. I’ve had 3 back surgeries including a fusion. Just completed a 2400 mile trip from SoCal to Denver and back, for the second time in a year. My wife and I find the seats to be extremely comfortable, so much so that w...
by penumbra
Sat Aug 03, 2019 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: For long time retirees, do you use a spreadsheet?
Replies: 37
Views: 3139

Re: For long time retirees, do you use a spreadsheet?

Retired 7 years. Assets have increased since retiring. Fidelity Full View does a good job of keeping track of accounts. Used to keep meticulous spreadsheets, but came to conclusion it was wasting my time. Tracked expenses on Mint for a while, but don’t bother any more. We know the rhythm of our spen...
by penumbra
Mon Jul 08, 2019 9:37 pm
Forum: US Chapters
Topic: New Orange County, CA Local Chapter established
Replies: 87
Views: 15686

Re: Orange County, CA chapter?

I’d be interested if the meeting were held near or south of the “Y”. 😉
by penumbra
Tue Apr 23, 2019 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes: marginal rate now vs effective rate in retirement
Replies: 198
Views: 11017

Re: Taxes: marginal rate now vs effective rate in retirement

Very helpful thread. Thank you FrugalProfessor for clarifying how this works. It sounds like subsequent posters are coming around to your view, after clarifying the "marginal" terminology. Since most people have eliminated wages after retirement, RMD's fill each tax bracket progressively starting at...
by penumbra
Sun Apr 07, 2019 1:30 am
Forum: Personal Investments
Topic: California Munis: long- vs. intermediate-term bond funds
Replies: 16
Views: 2440

Re: California Munis: long- vs. intermediate-term bond funds

Terrible ideas for funds. Both have high front end loads, likely far in excess of what you’d pay in commissions for Vanguard funds. Suggest you keep looking.
by penumbra
Thu Jan 24, 2019 7:50 pm
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 179
Views: 16114

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

Went in to COSTCO and saw some travel pants. Since we were just preparing for a trip I thought I would try them out. For less than $20 they were fantastic. I wish I had bought more than two pair. Wore them on flights from Miami to Singapore. They were comfortable and no wrinkles. They are now my go...
by penumbra
Tue Jan 15, 2019 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 50k car? If so, whats the best way to do it?
Replies: 48
Views: 2579

Re: Can I afford a 50k car? If so, whats the best way to do it?

My father-in-law always said that when you get an idea like that, just lie down til it goes away. You’ll be happier in the long run. My own experience has borne that out. I thought I wanted a ‘39 Chevy. Thank the lord I didn’t buy it. What was I thinking? Not sure your parents scrimped and saved so ...
by penumbra
Thu Dec 06, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 25086

Re: What are others paying for property taxes around the US?

Coastal So Cal. 3000 sq ft, $6200. But that's because of Prop 13. If I sold it, buyer would pay about $35, 000/yr. I have a friend with ocean front home, 5500 sq ft: his taxes $85,163/yr. Not kidding. :oops:
by penumbra
Thu Dec 06, 2018 11:38 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1092
Views: 125632

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Hoppy,
Why did you transfer cash from HSA to TDA first, as opposed to having it transferred directly to Fidelity?

And how did you indicate to TDA that you wanted a transfer in kind? My biggest fear is that TDA will liquidate etf holdings prior to transfer. Thanks for your post!
by penumbra
Fri Nov 02, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: Thoughts on the New Macbook Air?
Replies: 70
Views: 4808

Re: Thoughts on the New Macbook Air?

I have a early 2015 MacBook Pro with 8 GB of RAM and 512 GB SSD. My wife has a similar configuration in a late 2014 MacBook Pro. They both work flawlessly. The screens are wonderful, and the keyboard is terrific. All the ports are extremely helpful. I hope they last forever. Expect to keep them quit...
by penumbra
Sun Sep 30, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: how to determine the maintenance schedule for newer cars?
Replies: 18
Views: 1461

Re: how to determine the maintenance schedule for newer cars?

My trip odometer in my 2016 Honda Accord has an Oil Life setting, telling me residual oil life in 10% increments. Can’t do better than that.
by penumbra
Mon Sep 10, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Hourly cost of air conditioning?
Replies: 23
Views: 2466

Re: Hourly cost of air conditioning?

OP here. Thanks for your responses. Very helpful! Welcome further comments. :happy
by penumbra
Sun Sep 09, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Hourly cost of air conditioning?
Replies: 23
Views: 2466

Hourly cost of air conditioning?

We have a 25 year old a/c unit providing reasonably effective cooling for a 3000 sq ft house... a little noisy but effective. Serviced once 5 years ago with no problems found. We have a single story, only modestly well insulated home in coastal California. Hottest days get up to about 90 degrees for...
by penumbra
Fri Jul 20, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Update Libby library app (My library is switching to Cloud Library from Overdrive: no more kindle!)
Replies: 10
Views: 3775

Re: Update Libby library app (My library is switching to Cloud Library from Overdrive: no more kindle!)

I’ve used Libby for a year now, with 3 different library systems. It’s nothing short of fantastic! So very user friendly.. I can read on my iPad or on my kindle. And it’s wonderful for audiobooks too! Can’t recommend it highly enough.