Search found 56 matches

by BH13
Sat Oct 26, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: 2.1% processing fee at California DMV
Replies: 31
Views: 2430

Re: 2.1% processing fee at California DMV

You can also pay for DMV registration fees online using ACH. They don't charge any fees for paying via ACH. Just did this last week myself.
by BH13
Wed Oct 02, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Carry on Luggage
Replies: 64
Views: 4913

Re: Recommendation for Carry on Luggage

I have lately grown quite fond of Away ]https://www.awaytravel.com/ . They're the luggage you've seen in airports that has a built-in battery. The battery is easily removable at the gate even, if you need, and the company is decent. +2 for Away Great, well designed bag with a useful compression sys...
by BH13
Thu May 02, 2019 11:43 am
Forum: Investing - Theory, News & General
Topic: New formula to calculate daily change? (Google Sheets)
Replies: 2
Views: 335

Re: New formula to calculate daily change? (Google Sheets)

I use the following formula below where C20 has the symbol to get the daily change value from Marketwatch for mutual funds. I find these are typically updated by 3p PT. =IFERROR(VALUE(Right((Index(ImportHtml(CONCATENATE("http://bigcharts.marketwatch.com/advchart/frames/frames.asp?symb=",C20,"&instty...
by BH13
Thu Jan 17, 2019 7:20 pm
Forum: Investing - Theory, News & General
Topic: Sold Treasuries to buy flexible, rising rate, direct 3-year CD
Replies: 22
Views: 2598

Re: Sold Treasuries to buy flexible, rising rate, direct 3-year CD

Thanks for posting this Kevin. I opened a Patelco CD onsite today as well. This is a great offer which happens to coincide with my Ally Bonus & PenFed CD's maturing. Just an FYI to anyone else considering who has their credit frozen - Make sure you life your credit freeze on both Experian & Chex sys...
by BH13
Thu Nov 29, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Standalone Apple Watch any use?
Replies: 6
Views: 1261

Re: Standalone Apple Watch any use?

No, can't work with your Pixel, sell it on eBay.
by BH13
Thu Nov 29, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 4654

Re: Best new Mac/features for 2000-3000

I'd suggest getting the low end 27" refurbished iMac here: https://www.apple.com/shop/refurbished/mac/27-inch-imac Suggest either of these: $1529 for 8 GB RAM / 1 TB HD - add extra RAM from here https://eshop.macsales.com/shop/memory/imac-2017-27-inch $1779 for 16 GB RAM / 256 GB SSD - add an extern...
by BH13
Wed Sep 05, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 Owners: Your experience so far
Replies: 80
Views: 13188

Re: Tesla Model 3 Owners: Your experience so far

1. Was it worth the money? 2. Months of ownership so far 3. Still positive, negative or somewhere in between (say on a 1-5 scale, 5 being very positive / happy). 4. Any big issues / surprises 5. What was the first issue you had that need some sort of service 6. 2-3 things you like the most. 1. Yes,...
by BH13
Fri Aug 17, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tax efficiency of Inherited IRA withdrawals vs Roth Conversion
Replies: 3
Views: 503

Re: Tax efficiency of Inherited IRA withdrawals vs Roth Conversion

Once Inherited IRAs are depleted, I will fill the 12% fed space with Roth conversions. I feel like I already have ample Roth funds that I hopefully won't ever need to tap and can bequeath to my (currently ungrateful) kids. If it looks >50% tax will be unavoidable once RMD, pension, SS and rental in...
by BH13
Tue Aug 07, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: A week in Budapest?
Replies: 22
Views: 1833

Re: A week in Budapest?

We enjoyed 5 days in Budapest two months back and had a great time. Here are a few tips in addition to what's been mentioned above: * Get a 7 day travel card for unlimited rides on the subway, trams and buses. The transit system is great and you won't have to use taxis. https://www.budapestbylocals....
by BH13
Tue Jun 26, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 138633

Re: To take or not to take delivery of Tesla 3

Another Model 3 owner data point: We have owned one since early May. Maybe we got lucky, but I have not had a single quality issue in ours. The Model 3 is replacing our 2016 MB E-class lease which will be returned early next year. Surprisingly, it is just as roomy & has more cargo room than the E. I...
by BH13
Thu Mar 01, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: Thinking of getting an Apple Watch
Replies: 82
Views: 10623

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: 135
Views: 33183

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: 12839

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: Personal Investments
Topic: Bonds at Age 50?
Replies: 17
Views: 2404

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: 902

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: Personal Investments
Topic: Does it make sense for a young adult to liquidate an Inherited IRA sooner than later?
Replies: 20
Views: 2003

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: 2719

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: 745

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: 4257

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: Personal Investments
Topic: How do you change your AA over time?
Replies: 39
Views: 8218

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: Personal Investments
Topic: Could use some help with inherited IRA
Replies: 5
Views: 750

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: 4488

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: 1398

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: 1398

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: 973

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: 973

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: 1034

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: 59032

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: 3639

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: 5278

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: 12415

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: 1446

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: 22
Views: 4280

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: 930

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: 2430

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: 1973

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: 2993

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: 1396

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: Personal Investments
Topic: Do you split in-state and national munis? If so, how?
Replies: 16
Views: 1220

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: 5355

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: Personal Investments
Topic: 401K employer match. Do you have that?
Replies: 42
Views: 3924

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: 919

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: 919

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: Personal Investments
Topic: Back door Roth IRA for stay at home wife?
Replies: 7
Views: 1254

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: Personal Investments
Topic: Back door Roth IRA for stay at home wife?
Replies: 7
Views: 1254

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: 8526

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: 1847

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: Personal Investments
Topic: Vanguard, Schwab or Fidelity [recommend a discount broker]
Replies: 31
Views: 5268

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: 1181

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: 3118

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.