Search found 46 matches

by BH13
Thu Mar 01, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: Thinking of getting an Apple Watch
Replies: 73
Views: 6763

Re: Thinking of getting an Apple Watch

I finally succumbed and joined the rest of the family when I got the Series 3. I enjoy the fitness monitoring aspect & notifications - keeps me motivated to exercise daily. My wife has to charge her series 2 nightly, but I can go 2.5 days with the series 3, so I do suspect the latter has slightly im...
by BH13
Fri Feb 02, 2018 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 69
Views: 8021

Re: Replacement for Google Finance price quote function

Lately, I've become increasingly disappointed with Google Finance's slow updates for daily mutual fund NAV quotes in my Google Docs portfolio tracker. Rather than do workarounds with ETF quotes, which are actually up-to-date, I've replaced my Google Finance functions and now pull all fund quotes fr...
by BH13
Wed Jan 24, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 8931

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

I'll also mention that many patch notes aren't transparent and don't mention all the numerous bugfixes/security holes fixed in the release. As an example, iOS upgrade notes are very light on details and will usually just highlight new features; exploit fixes are only mentioned if they got mainstrea...
by BH13
Mon Oct 23, 2017 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds at Age 50?
Replies: 17
Views: 1906

Re: Bonds at Age 50?

At age 50: 63 / 36 (FTBFX, Munis, CDs) / 1 Cash MMA.

Will probably hold at this allocation.
by BH13
Wed Oct 11, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Quicken for Mac Woes
Replies: 7
Views: 613

Re: Quicken for Mac Woes

With the release of Mac’s new OS High Siera, auto backups and backups from the reminder no longer function in Quicken for Mac 2007. You will have to backup manually from the file menu. 2007 is officially in hospice. Thanks for the heads up! For me, my Time Machine & Superduper backups suffice to ba...
by BH13
Mon May 08, 2017 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Does it make sense for a young adult to liquidate an Inherited IRA sooner than later?
Replies: 20
Views: 1735

Re: Does it make sense for a young adult to liquidate an Inherited IRA sooner than later?

Are you claiming your son as a dependent? Or is he able to provide for more than half of his expenses with the IRA distributions?

You're likely aware as a dependent, he would be still be subject to "kiddie taxes", and therefore subject to your parental tax brackets.
by BH13
Wed Oct 12, 2016 7:29 pm
Forum: Personal Consumer Issues
Topic: Google Doc Script
Replies: 14
Views: 2226

Re: Google Doc Script

Great, nice use of Google Scripts to trigger alerts.

My post a few months back on using Google Scripts to track historical portfolio performance:
viewtopic.php?t=192480#p2926243

:sharebeer
by BH13
Thu Jul 21, 2016 2:23 pm
Forum: Investing - Theory, News & General
Topic: Alerts
Replies: 4
Views: 662

Re: Alerts

This can definitely be done using Google Sheets finance functions along with a Google Script to send an email alert.

I can update on this over the weekend if a suitable alternative isn't found by then.
by BH13
Fri Jul 01, 2016 3:59 pm
Forum: Investing - Theory, News & General
Topic: Fidelity bulletin board
Replies: 18
Views: 2725

Re: Fidelity bulletin board

Sounds reasonable, but a bit overly cautious if not paranoid. Beside, it will take you a lot longer to become a Voyager or more importantly an Admiral on your own Flagship with the commensurate benefits fitting one of such high flag rank status,..Think about! Q. Does Fidelity or others offer such l...
by BH13
Mon Jun 06, 2016 3:27 am
Forum: Investing - Help with Personal Investments
Topic: How do you change your AA over time?
Replies: 39
Views: 4131

Re: How do you change your AA over time?

I don't change my AA over time either. I keep it constant at 63/37, my totally arbitrary sleep well at night ratio. The excess is invested for the future generations.
by BH13
Mon Jun 06, 2016 3:17 am
Forum: Investing - Help with Personal Investments
Topic: Could use some help with inherited IRA
Replies: 5
Views: 683

Re: Could use some help with inherited IRA

Your allocation is 75% equities and 25% bonds in this inherited IRA. But you are concerned about the risk of the bond allocation. 2 ideas I would propose: 1) Reduce overall risk by cutting equity allocation, say to 60/40? Bonds are for safety. 2) this is what I did in a similar situation- I moved a ...
by BH13
Wed Jun 01, 2016 7:56 pm
Forum: Investing - Theory, News & General
Topic: I like my CA long term tax exempt fund! (VCLAX)
Replies: 16
Views: 3222

Re: I like my CA long term tax exempt fund! (VCLAX)

I also like CA long term TE fund, but I split my holdings across VCADX: VCLAX 3:1 to reduce duration. As these represent 33% of my fixed income holdings, I don't worry about too much CA exposure, and don't bother holding the national TE fund.
by BH13
Wed Jun 01, 2016 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: spreadsheet macro to track/chart daily porfolio value
Replies: 10
Views: 1171

Re: spreadsheet macro to track/chart daily porfolio value

Here is my anonymized Google Sheet: https://docs.google.com/spreadsheets/d/1tucWjoZByel7ObZg9X8anXiONvjFfsvRT866boX2T2E/edit#gid=32 The spreadsheet has two sheets (Daily AA & Historical). These sheets are called by name in the three linked scripts. To see the scripts (1) File > Make a copy of the sh...
by BH13
Wed Jun 01, 2016 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: spreadsheet macro to track/chart daily porfolio value
Replies: 10
Views: 1171

Re: spreadsheet macro to track/chart daily porfolio value

Yes, I have graphs that track both 5 min intervals during the day, as well as a daily close graph in my Google Sheets portfolio tracker. This is done using Google Scripts. Let me anonymize and share a version of my sheet this eve.
by BH13
Fri May 27, 2016 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Gain Harvest for Kid UGTMA
Replies: 9
Views: 821

Re: Tax Gain Harvest for Kid UGTMA

And just to clarify, since he is over 18, his account is no longer a UTMA and has been retitled under his ownership.
by BH13
Fri May 27, 2016 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Gain Harvest for Kid UGTMA
Replies: 9
Views: 821

Re: Tax Gain Harvest for Kid UGTMA

Glad you brought this up as my kid is in a similar position with gains in his UTMA account. One concern which I'm not clear on is ownership of the 529 - as I own the 529, can withdrawals from it meet independence criteria?
by BH13
Mon Feb 15, 2016 4:41 pm
Forum: Personal Consumer Issues
Topic: Macbook Air - trouble with backup data?
Replies: 6
Views: 925

Re: Macbook Air - trouble with backup data?

Sounds like you're restoring from a Time Machine backup. If that is the case, I'm guessing you will need to reformat your drive as "Mac OS Extended (Case-sensitive, Journaled)" from Disk Utility.

The following link has some good info:
http://pondini.org/TM/5.html
by BH13
Wed Dec 23, 2015 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 327
Views: 53231

Re: Vanguard TurboTax - Not Available 2015?

Adrift, thanks for sharing. I was able to download a free Desktop version of Premier for Mac.

Thanks Fidelity also!
by BH13
Fri Oct 16, 2015 12:14 pm
Forum: Personal Consumer Issues
Topic: New Yahoo Finance is Horrible [Looking for alternative websites]
Replies: 26
Views: 3541

Re: New Yahoo Finance is Horrible

Actually, I'm really liking the new Yahoo Finance charts since they work great without Adobe Flash. I've uninstalled Flash from my computers and was unable to use my prior favorite Google Finance charts. But they new Yahoo charts are a nice replacement: Example: http://finance.yahoo.com/echarts?s=AAPL
by BH13
Mon Oct 12, 2015 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Allowance for college kid
Replies: 67
Views: 4832

Re: Allowance for college kid

We are in a very similar situation - my DD just began her freshman year at a State U. We are fully funding her college, dorm, dining hall expenses. For the moment, we are giving her a $300 monthly allowance for incidentals. As seen over the first month, her expenses were mostly: food, clothes, beaut...
by BH13
Mon Sep 28, 2015 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Amex: Security Annoyances
Replies: 92
Views: 11481

Re: Fidelity 2% Amex: Security Annoyances

Yes, our card got declined much more often than other cards. So much so, that we've switched over to the Citi Double Cash card and have stopped using the FIA card.
by BH13
Mon May 18, 2015 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Just about had it with Fidelity AX
Replies: 8
Views: 1333

Re: Just about had it with Fidelity AX

Same here, but for different reasons: At least twice a month, for various reasons, we have charges declined, which is very frustrating. Just this month, I've had the card declined booking hotels on Expedia and making a large retail purchase. Similarly, on a recent overseas trip, we had phone calls a...
by BH13
Thu Apr 23, 2015 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Leave an IRA through a Trust?
Replies: 20
Views: 3475

Re: Leave an IRA through a Trust?

This issue was a big headache for our family a few years back. My parent had left their IRA with a Trust as beneficiary with myself & sibling as trust beneficiaries. Unfortunately, the Schwab (IRA custodian) estate & trust team did not view the trust as a "See-Through" trust, which did not allow: a....
by BH13
Tue Apr 21, 2015 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity ATM card overseas
Replies: 5
Views: 781

Re: Fidelity ATM card overseas

Yes, I've used the Fidelity ATM card in a number of countries and they have always reimbursed the fees. But do know that, there is a hidden 1% foreign transaction fee built into the conversion rate used. I'm fine paying the 1% charge for the convenience of not having to search for a specific bank AT...
by BH13
Thu Mar 12, 2015 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Hit with Kiddie Tax; tIRA to the rescue
Replies: 13
Views: 2374

Re: Hit with Kiddie Tax; tIRA to the rescue

Are we the only family getting hit with Kiddie Tax for 2014? Any others out there who'd like to share their stories? Kevin We've been in the Kiddie tax era for some time, and will continue for a few more years. We structured college savings as 1/3 529, 2/3 UTMA with the expectation that the 529 sho...
by BH13
Fri Aug 29, 2014 6:50 pm
Forum: Personal Consumer Issues
Topic: Wifi lights and light switches
Replies: 12
Views: 1800

Re: Wifi lights and light switches

I'm in the same boat having just installed LED ceiling lights in all our bedrooms. I've been researching both remotes & dimmers. I'm really tempted to go with the Lutron Caseta dimmer line which uses a central hub and a semi-proprietary wireless system (not Wi-Fi). http://www.casetawireless.com/Page...
by BH13
Fri Aug 29, 2014 4:20 pm
Forum: Investing - Theory, News & General
Topic: High net worth in CA - what % of bonds in munis?
Replies: 21
Views: 2827

Re: High net worth in CA - what % of bonds in munis?

I'm very comfortable with 30% of my overall fixed income allocation in CA muni fund (VCADX). Rest of my bonds are in tax-deferred accounts.
by BH13
Fri Aug 29, 2014 12:54 pm
Forum: Personal Consumer Issues
Topic: Trip to China
Replies: 13
Views: 1216

Re: Trip to China

We used several across our Macs & iPhones during our summer vacation in China this year. We paid for monthly subscriptions ~$5 which covered several devices: http://www.hotspotshield.com/us <-- Their free App worked great for a few days on the iPhones https://www.privateinternetaccess.com/pages/buy-...
by BH13
Thu Jul 24, 2014 1:29 am
Forum: Investing - Help with Personal Investments
Topic: Do you split in-state and national munis? If so, how?
Replies: 16
Views: 1130

Re: Do you split in-state and fed munis? If so, how?

My muni bonds are all invested in CA, not split across a national fund.

I justify it as my muni holdings represent 10% of my overall portfolio. Avoiding the 9.3% CA tax hit makes the single state risk worthwhile for me.
by BH13
Sat Jun 07, 2014 7:29 pm
Forum: Personal Consumer Issues
Topic: Is your computer protected?
Replies: 39
Views: 5241

Re: Is your computer protected?

My Father-in-law got hit by the nasty Cryptolocker trojan last month even though his Windows Vista laptop was protected & current with Microsoft Security Essentials. He had no backup.

He is now using a new MacBook Air and which is backed up via Crashplan and a Time Capsule.
by BH13
Fri Jun 06, 2014 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: 401K employer match. Do you have that?
Replies: 42
Views: 3603

Re: 401K employer match. Do you have that?

My employer matches 30% of employee contributions. So my max of $17,500 gets an employer match of $5250 totaling $22,750.
by BH13
Wed May 14, 2014 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Cost Basis on Div Reinvestment plans
Replies: 4
Views: 825

Re: Cost Basis on Div Reinvestment plans

Thank you all for the suggestions! I will try calling Computershare and see what they can provide. If need be, I can conference in my F-I-L to get his authorization for the records.
by BH13
Sun May 11, 2014 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Cost Basis on Div Reinvestment plans
Replies: 4
Views: 825

Cost Basis on Div Reinvestment plans

So my generous Father-in-law opened separate MCD UTMA Div Reinvement plans for my kids when they were born. We have just transferred the shares into the kids' respective Fidelity accounts. I'd like to determine Cost basis for the shares for record keeping. Any suggestions on how to determine the ori...
by BH13
Wed Apr 09, 2014 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Back door Roth IRA for stay at home wife?
Replies: 7
Views: 1050

Re: Back door Roth IRA for stay at home wife?

Great info sscritic. Makes perfect sense separating the 2013 contribution & 2014 conversion. She could not have made a 2013 direct Roth contribution due to our income. Thanks!
by BH13
Wed Apr 09, 2014 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Back door Roth IRA for stay at home wife?
Replies: 7
Views: 1050

Re: Back door Roth IRA for stay at home wife?

Piggybacking onto this discussion as our situation is close: In January 2013, we made a $5500 spousal IRA contribution to my wife's existing tIRA. As it turned out, this 2013 contribution is non-deductible. I realize I'll have to fill out an 8606 and keep track of this post-tax contribution on a yea...
by BH13
Thu Jan 30, 2014 5:38 pm
Forum: Personal Consumer Issues
Topic: Yahoo changes are awful - what homepage do you like?
Replies: 66
Views: 8105

Re: Yahoo changes are awful - what homepage do you like?

I am still hoping Yahoo will come to there senses and fix the My Yahoo! page. In the mean time I use: http://ca.my.yahoo.com/ This will pretty much get you back to the old My Yahoo!. It will go away someday, but it is currently the best option. Awesome - Thanks for this! Hope they forget about Cana...
by BH13
Thu Jan 16, 2014 6:17 pm
Forum: Investing - Theory, News & General
Topic: Mutual Fund Purchasing
Replies: 22
Views: 1738

Re: Mutual Fund Purchasing

VCADX - Vanguard California Intermediate-Term Tax-Exempt about 6 months back.

I then TLH'd into the National Muni fund and then back into VCADX.
by BH13
Fri Oct 18, 2013 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard, Schwab or Fidelity [recommend a discount broker]
Replies: 31
Views: 4679

Re: Vanguard, Schwab or Fidelity [recommend a discount broke

I have accounts with all three. I'd go with Fidelity. I like that there's a local branch and use it a few times a year. Fidelity has better handling of tax lots than Schwab which I learned the hard way on a trade this year.
by BH13
Tue Oct 15, 2013 6:55 pm
Forum: Investing - Theory, News & General
Topic: Is AAPL reliving the past???
Replies: 7
Views: 1088

Re: Is AAPL reliving the past???

This is for growth of Apple retail into China:

Burberry in China - 69 stores v Apple’s half-dozen.
via https://twitter.com/BenedictEvans/statu ... 6132604930

Image
by BH13
Thu May 09, 2013 12:26 pm
Forum: Personal Consumer Issues
Topic: Weekly Electricity Analysis
Replies: 38
Views: 2915

Re: Weekly Electricity Analysis

Also how many computers and DVR's do you have running 24/7? These add up as well especially if they're always on.
by BH13
Thu Jan 24, 2013 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Software for Mac?
Replies: 11
Views: 1944

Re: Personal Finance Software for Mac?

I'm also very happily using Quicken 2007 for Lion. It works great on Mountain Lion 10.8.2 as well. I've been a very long (over 15 years) term user of Quicken for Mac and while not as feature complete as the Windows version, it still downloads my Fidelity, Schwab brokerage transactions as well as for...
by BH13
Fri Oct 19, 2012 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Year End Estate Tax Planning?
Replies: 17
Views: 1859

Re: Year End Estate Tax Planning?

So this is a very relevant issue for me. I'm beneficiary, executor, POA for a relative who is under hospice care. I've got an appointment with our Estate Atty next week, but this thread's timing is apropos. If I perform a $1,000,000+ IRA withdrawl by the end of the year, it obviously pushes them int...
by BH13
Wed Sep 26, 2012 12:14 pm
Forum: Personal Consumer Issues
Topic: Apple Experts: Macbook Air vs Pro to run Parallels/Quicken?
Replies: 34
Views: 4431

Re: Apple Experts: Macbook Air vs Pro to run Parallels/Quick

As you indicated in your original post, for the purposes of running Quicken in a Windows virtual machine, you need lots of RAM and a fast disk. If cost is no object, the best Mac laptop will be a fully spec'd retina MBP with 16 GB RAM. I believe that will be overkill. Retina display will not help in...
by BH13
Thu Jan 19, 2012 1:29 pm
Forum: Personal Consumer Issues
Topic: Mac Gurus: Mac Air with Thunderbolt Display vs. iMac?
Replies: 10
Views: 1275

Re: Mac Gurus: Mac Air with Thunderbolt Display vs. iMac?

For CPU / GPU intensive operations (Photoshop, iPhoto, iMovie, Gaming) - the iMac should be faster.

For non CPU/GPU intensive use (Web browsing, iTunes, email, Office) - the MacBook Air should be faster.
by BH13
Wed Nov 02, 2011 1:17 pm
Forum: Personal Consumer Issues
Topic: iPad GPS!
Replies: 16
Views: 1778

Re: iPad GPS!

I did not know that my iPad 1 had a GPS. I define a GPS as a device that talks to you and takes you to the address. What the iPad 1 has is an address locator through Google. Am I wrong? Erwin To clarify - only iPads with 3G have a GPS chip in them. If you have a Wi-Fi iPad only, there is no GPS chi...
by BH13
Thu Oct 20, 2011 2:43 pm
Forum: Personal Consumer Issues
Topic: TIVO recommendations
Replies: 10
Views: 1025

Re: TIVO recommendations

Long time lurker, finally registered.

If you are not averse to eBay, one option may be to get a brand new Tivo Premiere with lifetime. If you search on ebay using those terms, one Top rated seller is selling those for $558. Not a bad price considering what Tivo charges for lifetime alone.