Search found 284 matches

by penumbra
Fri Oct 04, 2019 10:22 pm
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 15122

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: 1579

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: 1196

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: 50
Views: 3298

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: 2750

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?
Replies: 26
Views: 1645

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: 2436

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: 17835

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: Personal Investments
Topic: Fidelity Full View recent improvements
Replies: 14
Views: 2345

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: 75
Views: 7513

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: 468

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: 5519

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: 126
Views: 28385

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: 2781

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: 69
Views: 6677

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: 10337

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: 2018

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: 14869

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: 2420

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: 23857

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: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
Replies: 1057
Views: 101152

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: 4463

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: 1402

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: 2374

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: 2374

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: 3209

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.
by penumbra
Fri Jul 20, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: Watch Collection Reasonable or Unreasonable or Irresponsible?
Replies: 107
Views: 7116

Re: Watch Collection Reasonable or Unreasonable or Irresponsible?

Well, from my perspctive, you have an issue with “stuff”, judging from your watches and cars. Have you accumulated multiples of other things, too? I can just tell you my perspective. I’m much older, and have accumulated well into 8 figures. Can’t imagine being burdened with so many watches. I’ve oft...
by penumbra
Sun Mar 11, 2018 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 349
Views: 54308

Re: Does anyone here with net worths north of $1 mil use financial advisors?

We have been lucky enough to accumulate well into a 8 figure portfolio. I’ve been interested in finance since I began working. In business life, I was responsible for finding investment advisors for a large prefessional groups pension plan, and switched advisors a few times. In the process I learned...
by penumbra
Mon Jan 08, 2018 1:56 am
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 160
Views: 17588

Re: Misuse of adverse

In the passed, I have seen alot of misused words and phrases on this cite. Usually, I except a bazaar usage, because it does not effect me. The only time I would consider counciling a poster whom misspeaks is when they are writing about there job search or seeking career advise. In some fields, bra...
by penumbra
Mon Jan 01, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: Recommend me a good laser printer for a chromebook!
Replies: 26
Views: 2827

Re: Recommend me a good laser printer for a chromebook!

I have 3 Brother laser printers, oldest about 10 years old. All still work perfectly. When I get a new computer, I just call Brother technical support (it’s free for life), and they walk me thru the setup til i’m Up and running. I would assume that would work for a chrome book as well. Their support...
by penumbra
Wed Nov 15, 2017 11:16 pm
Forum: Personal Consumer Issues
Topic: AT & T outage - [Nationwide outage]
Replies: 12
Views: 1586

Re: AT & T outage - [Nationwide outage]

Can confirm an outage of phone service in SoCal from roughly 330 to 430 pst. Multiple phone reboots of course had no effect. Very peculiar and troubling.
by penumbra
Thu Sep 28, 2017 1:12 am
Forum: Personal Investments
Topic: How long a track record should a new fund have before I invest?
Replies: 13
Views: 1317

Re: How long a track record should a new fund have before I invest?

It has only $35 million in assets. At 0.5% expenses, that yields $175000 in management fees before expenses. How many managers/analysts can that support? Has a 12b1 fee. Not available thru any standard brokerages on NTF basis. Overweight tech and health, accounting for its outperformance recently. M...
by penumbra
Tue Sep 19, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Getting over emotional attachment to house
Replies: 70
Views: 8445

Re: Getting over emotional attachment to house

Well, we have some familiarity with your issues. Previously, when younger, lived in Palm Springs for a couple of years. Miserable, horrible experience. It was 121 degrees the day we moved out there. The heat is insufferable for at least 5 months of the year. Not much to do, really. Limited culture, ...
by penumbra
Fri Sep 15, 2017 12:56 am
Forum: Personal Consumer Issues
Topic: Audio books
Replies: 28
Views: 2778

Re: Audio books

I borrow books on cd from library, then rip them and copy to my phone. Then I have an infinite time to listen to them. Lately I've been just downloading directly from library to Libby app on my phone for ones I can listen to in the course of a few weeks. They are usually renewable. It works really w...
by penumbra
Thu Aug 10, 2017 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital without giving them my passwords: worth it?
Replies: 28
Views: 4019

Re: Personal Capital without giving them my passwords: worth it?

If you use 2 favor authentication with Fidelity, for example, I think you can use PC without jeopardizing your security. I've tried this and it seems to work. Thoughts?
by penumbra
Wed Aug 09, 2017 10:21 pm
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 58
Views: 10834

Re: Harry Bosch:the Amazon Series vs the novels

To those of you nit picking the series, I'm pretty sure Michael Connelly was an active participant in its production. In fact, I believe he was instrumental in creating it. https://en.wikipedia.org/wiki/Bosch_(TV_series) Nitpicking is what Bogelheads do best. So here's a nitpick: it's Bogleheads. :...
by penumbra
Wed Aug 09, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: LastPass not working for me on Firefox
Replies: 25
Views: 4375

Re: LastPass not working for me on Firefox

Working fine here. Good luck. 8-)
by penumbra
Wed Aug 09, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Do you plan to ditch your laptop in travel soon?
Replies: 52
Views: 5418

Re: Do you plan to ditch your laptop in travel soon?

Have always travelled extensively; now up to 80 countries. Haven't travelled with a laptop in at least 15 years, maybe more. I almost always take my iPad as well as my phone. much easier to read, check investments, etc. Travel docs, boarding passes best kept on phone. Who needs to print out boarding...
by penumbra
Sat Aug 05, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: knee replacement and air travel screening
Replies: 11
Views: 2499

Re: knee replacement and air travel screening

Wife has to go through full body scanner when available, otherwise has to be wanded all over. Sometimes the latter is really intrusive and annoying. She hates it. YMMV.
by penumbra
Thu Aug 03, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: LastPass Premium price increasing
Replies: 32
Views: 4233

Re: LastPass Premium price increasing

runner3081 wrote:Well, now that they give you the mobile app in their "free" service, I just don't see a need for premium.
+1. The free service works just fine, including 2 factor authentication. Not sure of the value of the paid version.
by penumbra
Thu Jul 27, 2017 10:42 pm
Forum: Investing - Theory, News & General
Topic: Anybody with substantial gains in FANG stocks ?
Replies: 22
Views: 3210

Re: Anybody with substantial gains in FANG stocks ?

Have a 7 figure gain in aapl, Googl, Fb. As I look at it, it's gotten well beyond the 5% of portfolio I originally planned. Glad this thread brought this to my attention.. may start cutting back.. they are great story stocks though, and are exciting to follow.
by penumbra
Tue Jul 25, 2017 10:02 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 126
Views: 28385

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

I have a 2016 Honda Accord EX-L. Long history of back problems, with three prior surgeries. I have to tell you I was aware of some of the negative comments about the seats before I bought the car. Short story: I find the seats very adjustable and very comfortable. I suggest giving the seats further ...
by penumbra
Fri Jul 21, 2017 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: if spreadsheet with account balances goes to hackers?
Replies: 11
Views: 1470

Re: if spreadsheet with account balances goes to hackers?

Why would you need to share this? And to how many people?
by penumbra
Sun Jul 16, 2017 11:26 pm
Forum: Personal Consumer Issues
Topic: Looking for Mobile MP3 Player, What Do You Use? Why?
Replies: 8
Views: 1184

Re: Looking for Mobile MP3 Player, What Do You Use? Why?

Was in a similar boat. I have 13,193 songs. I have an iPhone, and use iTunes. iTunes is great, since all playlists exist in the cloud. You can stream from there, or download specific playlists to your phone, and only play resident music. iTunes makes it very clear as to whether you are playing from ...
by penumbra
Sat Jul 01, 2017 2:51 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2444
Views: 451145

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

53/47 stocks/bonds.

6.63% YTD
by penumbra
Tue May 16, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Retirees afraid to spend? (Bloomberg)
Replies: 47
Views: 4222

Re: Retirees are hoarding cash

"Hoarding cash" is highly loaded language. It's probably not "cash," and "hoarding" is one of the most negative-sounding words you could use to describe what they are doing. As for a chart like this, https://s10.postimg.org/huqk1npux/Captura_de_pantalla_2017-05-16_a_las_10.32.37_AM.png if the impli...
by penumbra
Sat May 13, 2017 1:38 pm
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 102
Views: 12787

Re: Retirees, what is your marginal tax rate?

We're in the 39.5% bracket, plus 11% or so California tax. Will be in this bracket indefinitely. Same bracket as when I retired. Have looked at all the ways to finesse this lower; not gonna happen. This largely from accumulating a large 401k, with its attendant rmd's. So how large a 401k at age 70 ...
by penumbra
Fri May 12, 2017 3:40 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 289
Views: 59845

Re: Excel Macro using Yahoo Finance- not working

Yes, exactly the same experience. I had been using a sheet modified from Gummy's material, back when it was freely available. Stopped working around the first of the year. I'm not slick enough to troubleshoot the problem.
by penumbra
Fri May 12, 2017 3:36 pm
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 102
Views: 12787

Re: Retirees, what is your marginal tax rate?

We're in the 39.5% bracket, plus 11% or so California tax. Will be in this bracket indefinitely. Same bracket as when I retired. Have looked at all the ways to finesse this lower; not gonna happen. This largely from accumulating a large 401k, with its attendant rmd's.