Search found 308 matches

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: 3815

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: 8821

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: 57887

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: 21585

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: 35
Views: 3623

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: 1652

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: 1363

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: 8986

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: 3031

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: 4326

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: 14839

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: 4496

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: 5544

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: 2574

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: 4319

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: 3386

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: 135
Views: 35319

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: 1486

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: 1219

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: 3253
Views: 558814

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: 4384

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_la...
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: 13055

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: 64976

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: 13055

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.
by penumbra
Thu Apr 20, 2017 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Age when you started to max out your retirement accounts?
Replies: 177
Views: 34714

Re: Age when you started to max out your retirement accounts?

Well, I started as early as I could, as a young physician, probably in my early thirties. Always contributed the max. My retirement accounts' value now close to 8 figures. Looking back, I should have contributed less, or invested less aggressively. First world problem, I know, but nonetheless an avo...
by penumbra
Sun Apr 16, 2017 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Physician using Turbotax, owing 30K so far already...
Replies: 65
Views: 9019

Re: Physician using Turbotax, owing 30K so far already...

For what it's worth, here's my experience this year. Relatively high earner, have used an accountant forever. Thought I would try to match my accountant's work using Turbotax, with the idea that I could do my taxes myself from here on out. I should say that I have one K1 left, but that I have been t...
by penumbra
Sun Apr 16, 2017 11:24 pm
Forum: Investing - Theory, News & General
Topic: Janus Unconstrained, almost three years in...
Replies: 27
Views: 4757

Re: Janus Unconstrained, almost three years in...

I remember reading at the time that Janus Unconstrained had just a few hundred million in value when he took it over. Within a few months it was over a billion. What apparently was not mentioned much was that most of the increased assets was his own money that he put in the fund. Growth in assets no...
by penumbra
Wed Apr 12, 2017 12:21 am
Forum: Personal Consumer Issues
Topic: fraud or BoA mistake?
Replies: 14
Views: 2137

Re: fraud or BoA mistake?

Funny you should bring this up. Set up a monthly payment from my BofA account to my wife's account at Chase, two months ago. Worked fine the first month, but this month the payment was debited but never reached wife's account. B of A denied any responsibility, would not cover my wife's overdraft cha...
by penumbra
Sat Apr 08, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: More Zenni Optical Questions
Replies: 13
Views: 2884

Re: More Zenni Optical Questions

As mentioned, impossible to say with the limited info you provided. I can tell you, though, that I bought a pair of proper-sized glasses with progressive lenses with appropriate coatings along with two sets of polarized sunglass clipons for just over $60 last year. The basic glasses were not sunglas...
by penumbra
Fri Apr 07, 2017 11:51 pm
Forum: Personal Consumer Issues
Topic: Is anyone using Apple CarPlay? My preferred car company isn't...
Replies: 33
Views: 4055

Re: Is anyone using Apple CarPlay? My preferred car company isn't...

When I was shopping for a new car last year, I made sure to get Car Play as an option. Best way to learn about it is to google it for YouTube videos on how it works.. it is really amazing. Its integration with maps is fabulous. Its ability to read you your text messages and respond by voice is terri...
by penumbra
Tue Mar 14, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Labcorp Bill
Replies: 6
Views: 1416

Re: Labcorp Bill

This has happened a handful of times. Call their billing office and give them your insurance info. Sometimes the efficiency of info transfer in large centers is very poor. Always they have recognized their error, told me to ignore the initial bill, and wait for a new EOB after the insurance has paid...
by penumbra
Tue Mar 14, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 210
Views: 56671

Re: GEICO auto rates vs. USAA: too good to be true?

Thought I would share my numbers. for 2 newer cars: GEICO Auto 668/6 mo, USAA Auto 1006/6 mo GEICO savings 676/yr But USAA annual bonus has averaged 375/yr for last several yrs Plus Senior Bonus of 1100/yr., for annual net bonus of 1475/yr. GEICO savings more than offset by USAA savings. I have home...
by penumbra
Sat Jan 07, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Rewritable DVD and copying VHS tapes
Replies: 15
Views: 1910

Re: Rewritable DVD and copying VHS tapes

Well ,I faced the same thing. Had super 8 film already transferred to VHS. Then a couple a dozen VHS-c tapes. Before you start, it's important to get a sense of a realistic endpoint. I know from watch the tapes there was lots of dead space, pictures of the floor, and long performances by my kids tha...
by penumbra
Thu Dec 15, 2016 12:36 am
Forum: Personal Consumer Issues
Topic: Benefits/longevity of more expensive ($300+) mens dress shoes?
Replies: 75
Views: 11065

Re: Benefits/longevity of more expensive ($300+) mens dress shoes?

Well, I have to disagree. I never spend more than $100 or so on shoes, usually less. They seem to last forever. I have shoes I bought 15 and 20 years ago, still look good and classic styles stay in fashion. I have gotten rid of an occasional pair, but only because I got tired of them. I second the s...
by penumbra
Wed Nov 30, 2016 11:28 am
Forum: Personal Consumer Issues
Topic: Wisdom of saving money and buying a cheaper ultrabook- specifically Thinkpad 13
Replies: 18
Views: 2286

Re: Wisdom of saving money and buying a cheaper ultrabook- specifically Thinkpad 13

Just bought a MacBook Pro 13" 2015 model, 8 /256 gb, for $1250, no tax, parallels included, from b & h in NYC. Great deal, already have one.. unless you have some special needs, Mac is the way to go. Couldn't be happier.
by penumbra
Sun Nov 27, 2016 5:17 pm
Forum: Personal Consumer Issues
Topic: Wise BGHeads - time to replace Macbook Air?
Replies: 19
Views: 1782

Re: Wise BGHeads - time to replace Macbook Air?

Have dealt with similar issues. Just today purchased a new 2015 version 13" MacBook pro 8gb/256gb for $1250 from B&H Video in NY. There is no sales tax, and they throw in a copy of Parallels 12 so you can load windows if you want. Terrific price, cheaper than Apple Refurb (when it's availab...
by penumbra
Thu Nov 24, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: Honda Cars
Replies: 96
Views: 15162

Re: Honda Cars

Well, it's a little late for the OP, but I bought a 2016 Accord EX-L about two months ago. Love it, love it. I really like the Apple CarPlay feature. No vibrations, comfortable seats, no air noise that I can tell. Replaced an Acura.. Paid 5,000 under Msrp, could have had the 2017 for $800 more, used...
by penumbra
Wed Oct 12, 2016 1:19 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2551
Views: 416565

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

"Various requirements and restrictions could reduce the value of a bonus and may even make it negative. But also, if things go awry in the process it could take many hours spread over many weeks, with requests for more documents, information, medallion signatures, phone calls, dead ends and so ...
by penumbra
Sun Sep 25, 2016 11:25 pm
Forum: Personal Investments
Topic: Brokerage Account User-Friendliness
Replies: 10
Views: 1708

Re: Brokerage Account User-Friendliness

I have accounts with Vanguard, Fidelity, Schwab, TDA, Merrill Edge and Wells Fargo. Fidelity's site and features are without a doubt the most robust and feature filled. If you spend more time, the extra features are really worth it. ME and Wells are pretty good. Sadly, Vanguard brings up the rear in...
by penumbra
Sun Sep 25, 2016 10:56 pm
Forum: Personal Consumer Issues
Topic: Rental Cars
Replies: 22
Views: 2789

Re: Rental Cars

Rented a car for one week in Aspen few weeks ago. Best rate thru kayak was about $600/ week. Went to Priceline, got the car for $21/ day, plus taxes. Well under half price. Figure to do that every time hereafter.
by penumbra
Sat Aug 27, 2016 9:24 pm
Forum: Personal Investments
Topic: Evanson 10x10
Replies: 14
Views: 2589

Re: Evanson 10x10

Well, as someone who actually used Steve Evanson for a defined benefit plan for about 10 years, I can tell you he did a great job for us. Funds were held at Schwab. His quarterly reports were excellent, and everything ran flawlessly. The plan was for a dozen ornery doctors, who generally couldn't ag...
by penumbra
Fri Aug 19, 2016 7:10 pm
Forum: Investing - Theory, News & General
Topic: High RMD’s, would you do anything different?
Replies: 54
Views: 7979

Re: High RMD’s, would you do anything different?

I fully understand your question. The threshold for accumulating too much is probably closer to 3-5 million, depending on income levels and after tax accumulations. This is not your situation, however: $1.2 million is not nearly enough to be worried about, and I agree with others it would be benefic...
by penumbra
Mon Jul 18, 2016 11:56 am
Forum: Personal Consumer Issues
Topic: discount cards for prescriptions?
Replies: 27
Views: 6267

Re: discount cards for prescriptions?

In answer to theOP's question, I have used Goodrx coupons at my local Walmart. Cost of drug went from $61 to $30 for a month's supply. Very impressed. Will use them in the future. ( no drug insurance used.)
by penumbra
Sat Jul 16, 2016 3:11 pm
Forum: Personal Consumer Issues
Topic: Need printer recommendations
Replies: 36
Views: 3313

Re: Need printer recommendations

I have 3 Brother printers, 2 wireless and one hard wired. Oldest is 7 years old, 2170n, newest is 2 years old, mfc7680dw. All work flawlessly. I have had to reconnect with router or computer changes multiple times, as recently as yesterday. Lifetime customer phone support is excellent. They always w...
by penumbra
Fri Jul 01, 2016 5:26 pm
Forum: Personal Investments
Topic: Any free site that tracks list of securities and auto-updates performance over preset intervals?
Replies: 3
Views: 568

Any free site that tracks list of securities and auto-updates performance over preset intervals?

I am wondering if someone can help me find a free website that allows you to make lists of funds or etf's, and then track their performance over preset time periods, such as the last week, last month, last 3 months, year to date, etc. I was hoping that such lists would update automatically and be av...
by penumbra
Wed Mar 23, 2016 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: BA Chase Visa - cancel or get a different card before annual fee is due?
Replies: 7
Views: 865

Re: BA Chase Visa - cancel or get a different card before annual fee is due?

The real benefit of the BA card is the Travel together ticket, when you charge enough. 2 business class tickets for one, for example. We do this every year, and the value of the points is 5-7 cents. If you just get the bonus points and use them on another airline in the conventional way, I'd pass. F...
by penumbra
Fri Mar 18, 2016 9:44 pm
Forum: Personal Investments
Topic: Fidelity customer service experience
Replies: 41
Views: 5872

Re: Fidelity customer service experience

We have accounts at Fidelity, vanguard, Wells Fargo, Merrill Edge, and Ameritrade. Fidelity is by far, by FAR, the best in customer service, web site, accuracy, and every other measure. Vanguard is the worst, and the others adequate. Just my experience over 40 years of investing. Good luck.