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Re: Apple Pay, Google Wallet, credit, and us

Saw that. Also, I can't imagine that a system that requires opening phone and running QR app would be tolerated by consumers. Easier just to whip out CC. This is where I am going. I know some won't use a Mobile Wallet because it's just as convenient to swipe their card (don't care about the securit...
by BrandonBogle
Thu Oct 30, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 74
Views: 5814

Re: AA canceled flight: premium seat fee not refunded

So I recently had to cancel an American Airlines flight. I had been stupid enough to pay up for a premium seat. Apparently when you cancel a flight, they just make you forfeit that premium seat fee- i.e. you can't carry it over to the flight you rebook. Pretty nice scam on American Airlines part hu...
by BrandonBogle
Wed Oct 29, 2014 12:47 pm
 
Forum: Personal Consumer Issues
Topic: canceled flight on AA: premium seat fee not refunded
Replies: 30
Views: 2160

Re: Using your own equipment on Uverse and Comcast

Mudpuppy, 90% of my Boglehead forum reading and 75% of my posting is done on a mobile device, though I do agree that sometimes the font is a bit small. There is another thread about an upcoming upgrade to the forum that will include a mobile theme. That should help the next time you have an outage a...
by BrandonBogle
Wed Oct 29, 2014 8:24 am
 
Forum: Personal Consumer Issues
Topic: Using your own equipment on Uverse and Comcast
Replies: 22
Views: 1748

Re: Using your own equipment on Uverse and Comcast

I am in a Uverse VDSL environment. For us, the box providing the TV service is a mandatory rental while the same box, or the "residential gateway" can be used -- the former continuing the rental fee, the latter being rented or purchased. Since I was forced from DSL Direct to Uverse, they g...
by BrandonBogle
Mon Oct 27, 2014 2:26 am
 
Forum: Personal Consumer Issues
Topic: Using your own equipment on Uverse and Comcast
Replies: 22
Views: 1748

Re: Max Out Retirement Funds or Payoff Debt

Thanks, BrandonBogle. I like the asterisk; the advice is very helpful. The lease ends in 2.5 years (I can run it to 45k miles). That being said, would you still think the alternative is a good choice or should I just look at selling the truck? I'm living the with rents (they are allowing me) and th...
by BrandonBogle
Sun Oct 26, 2014 7:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Max Out Retirement Funds or Payoff Debt
Replies: 29
Views: 1937

Re: Max Out Retirement Funds or Payoff Debt

I would tweak some of the recommendations others have said. 1. 401k up to employer contribution 2. Max out HSA 3. Build up emergency savings* 4. Consider Roth (at 25% tax rate, consider retirement goals to see if Roth it still fruitful. Likely is, but don't blindly max it out without considering whe...
by BrandonBogle
Sun Oct 26, 2014 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Max Out Retirement Funds or Payoff Debt
Replies: 29
Views: 1937

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

Beautiful? To my untrained eye they look like a Chevy. Victoria Beauty not just in looks (I rather like that they are a but muted in that department), but overall. I've been fortunate to be a passenger in one and absolutely loved it. However, I am waiting for the 3rd Generation smaller version as t...
by BrandonBogle
Sat Oct 25, 2014 9:14 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 48
Views: 4345

Re: Apple Pay, Google Wallet, credit, and us

NFC goes only inches/centimeters. For instance, an NFC chip at waist level cannot reach a reader at eye level for instance. Together in a wallet, yes there could be a dual read. One register the next, nope.
by BrandonBogle
Sat Oct 25, 2014 9:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 74
Views: 5814

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

And the Bogleheads aren't necessarily easy to please. They're scrupulously focused on expenses, both in their mutual funds and in their larger lives. Shiny twin Teslas, one white and one black, were parked next to each other in the conference hotel parking lot. But besides them and the occasional B...
by BrandonBogle
Sat Oct 25, 2014 7:45 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 48
Views: 4345

Re: Thank You!!! BH #13 (2014)

VictoriaF wrote:A few of us are meeting in the bar at 8pm. If you are still here, please join us.

Victoria


Darn! I've been sitting at the airport since 3 for my 8:30 flight. Have a good time though!
by BrandonBogle
Fri Oct 24, 2014 7:43 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 48
Views: 4345

Re: Apple Pay, Google Wallet, credit, and us

One thing I have noticed (and please let me know if somehow I overlooked it), is there is no way to turn off the NFC chip on the iPhone. In my work Blackberry, I have the option of turning it off. Personally, I am not concerned, but I am sure the privacy concerned would prefer a way to deactivate it...
by BrandonBogle
Fri Oct 24, 2014 7:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 74
Views: 5814

Re: Apple Pay, Google Wallet, credit, and us

Furwat, sadly, the October 2015 mandate is for any type of EMV, so many financial institutions are rolling with chip and sign cards, not chip and pin. A step forward, but a difference to keep in mind (I think 2020 is the deadline for chip and pin). But I completely agree with you that this is provid...
by BrandonBogle
Fri Oct 24, 2014 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 74
Views: 5814

Re: Thank You!!! BH #13 (2014)

Let me second that! It was an amazing experience and I very much enjoyed the lecturers, discussions, and meeting some of the community!!
by BrandonBogle
Fri Oct 24, 2014 5:57 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 48
Views: 4345

Re: Viewing forum on iPhone - font too small

Probably because I never had to read in landscape mode before the 6 but you're right I'll just have to get used to it. I guess my perspective is different because I can't read it in either mode very well. :) So I mostly don't read the forum on my phone, and when I do, I often use VoiceOver (when ap...
by BrandonBogle
Fri Oct 24, 2014 5:51 pm
 
Forum: Forum Issues and Administration
Topic: Viewing forum on iPhone [small font - Forum software update]
Replies: 23
Views: 1582

Re: Apple Pay, Google Wallet, credit, and us

Google Wallet has encryption, but not tokens -- your actual card number is shared, just over encryption. Not true. Google has always used virtual cards. So, if the virtual card number is stolen it doesn't matter. Even then, not only would there have to be a data breach, they would have to decrypt t...
by BrandonBogle
Fri Oct 24, 2014 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 74
Views: 5814

Re: Apple Pay, Google Wallet, credit, and us

Google Wallet has encryption, but not tokens -- your actual card number is shared, just over encryption. Thus, a data breach at the vendor still exposes your card number just as it does today. With Apple Pay, this number is useless and doesn't require changing your card (but I expect that until NFC ...
by BrandonBogle
Fri Oct 24, 2014 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 74
Views: 5814

Re: "Vanguard converting mutual fund accounts to brokerage?

Today during the Bogleheads Conference, we met with some of the people from Vanguard about the new account structure. I explicitly asked them if conversion is manadatory (no) and if mutual fund only accounts would remain available (yes). They said this is being advertised as a convenience factor, bu...
by BrandonBogle
Thu Oct 23, 2014 9:31 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 104
Views: 10931

Re: Query re Vanguard letter urging brokerage account by Nov

Today during the Bogleheads Conference, we met with some of the people from Vanguard about the new account structure. I explicitly asked them if conversion is manadatory (no) and if mutual fund only accounts would remain available (yes). They said this is being advertised as a convenience factor, bu...
by BrandonBogle
Thu Oct 23, 2014 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 104
Views: 10931

Re: Tesla S

"so I found myself driving for 1.5 to 2.5 hours then stopping for 45 minutes to an hour to charge the car." This actually sound miserable to me. I would think the newness of the car/toy (meant in the best sense of the word) and your first time being in those particular locations added qui...
by BrandonBogle
Thu Oct 23, 2014 9:31 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 556
Views: 61871

Re: Apple Pay, Google Wallet, credit, and us

At least with AmEx, Apple Pay transactions are treated just as regular swipe transactions and early the same rewards and protections. I haven't checked if this is true with the other FIs, but I wouldn't be at all surprised if this indeed was the case.
by BrandonBogle
Wed Oct 22, 2014 11:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 74
Views: 5814

Re: Tesla S

Congratulations ualdriver. She's a beaut!
by BrandonBogle
Wed Oct 22, 2014 11:03 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 556
Views: 61871

Re: 2014 Annual Conference Bogleheads Vegans & Vegetarians

I am not a vegan, but have an open palette to many foods and would be interested in trying out some good vegan food. If there is room for more, me + one would love to attend!
by BrandonBogle
Tue Oct 21, 2014 9:52 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: 2014 Annual Conference Bogleheads Vegans & Vegetarians
Replies: 10
Views: 1044

Re: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT

SimpleFund wrote:This sounds great! :D

May I self-invite myself to this vegan food gathering with dickenjb and Don Christy? Is there a secret password to join this exclusive group? :sharebeer


It's the Boglehead secret handshake VictoriaF created! ;)
by BrandonBogle
Tue Oct 21, 2014 9:23 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: 2014 Annual Conference Bogleheads Vegans & Vegetarians
Replies: 10
Views: 1044

Re: Upgraded to OS X 10.10 Yosemite

I really wish these computer companies would leave things alone for a while. I'm a Mac user, but don't use most of the new features that seem to come and go with all these OS changes and which can have the effect of making some programs stop working. Are consumers really demanding these things? Whi...
by BrandonBogle
Fri Oct 17, 2014 9:15 pm
 
Forum: Personal Consumer Issues
Topic: Upgraded to OS X 10.10 Yosemite
Replies: 37
Views: 3973

Re: Upgraded to OS X 10.10 Yosemite

Handoff should be available (though you may need to sign out/sign in to iCloud to enable everything). However Continuity requires iOS 8.1 that comes out Monday.
by BrandonBogle
Fri Oct 17, 2014 6:06 pm
 
Forum: Personal Consumer Issues
Topic: Upgraded to OS X 10.10 Yosemite
Replies: 37
Views: 3973

Re: Upgraded to OS X 10.10 Yosemite

I normally wait till at least after the first weekend. And on Monday I fly to Philly for a week, so I won't be upgrading "from the road" without access to my backups. So by the time I get back home Friday night, I figure it will be a safe bet to upgrade at that point.
by BrandonBogle
Fri Oct 17, 2014 1:32 am
 
Forum: Personal Consumer Issues
Topic: Upgraded to OS X 10.10 Yosemite
Replies: 37
Views: 3973

Re: Reverse Mortgages

A Boglehead would likely be financially disciplined enough that should he or she decide to finance their retirement/tap their home equity to fund retirement rather than leave a property or funds to their estate, they could do a good rate HELOC, put the cash wherever they see fit with enough liquid t...
by BrandonBogle
Mon Oct 13, 2014 12:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgages
Replies: 21
Views: 2074

Re: Verizon: Upgrade iPhone - No longer "Loyal Customer"

Sunny, it is a bit misleading, but no, you do not have to change plans, even online. The first paragraph means you have to keep a data plan for two-years if you use a subsidized upgrade for a smartphone. The second paragraph is NOT a required plan change, but advertising of the More Everything plan....
by BrandonBogle
Mon Oct 06, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: Verizon: Upgrade iPhone - No longer "Loyal Customer"
Replies: 22
Views: 3727

Re: [Medallion Signature Dilemma, Assistance Requested]

This may be a case of providing too much information. You may not get further with this bank, but with your next interaction asking for a medallion guarantee, do NOT explain all the ins and outs. Simply take the form explicitly asking for a medallion guarantee and ask for one. If asked if this is fo...
by BrandonBogle
Sun Oct 05, 2014 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Medallion Signature Dilemma, Assistance Requested]
Replies: 15
Views: 1532

Re: Blood work for cats

I've already chimed in with my position on the labs and cost, so nothing more to add there. We can monitor for hypertension and keep it in check to avoid the secondary problem of retinal detachment and ensuing blindness. We can monitor the hematocrit so that when it begins to drop due to loss of ery...
by BrandonBogle
Mon Sep 22, 2014 12:32 am
 
Forum: Personal Consumer Issues
Topic: Blood work for cats
Replies: 40
Views: 2563

Re: Blood work for cats

My previous vet used to do regular bloodwork of the tune of $250 every year. I just changed vets as they raised their prices and we just adopted a second from the shelter. The new vet is world's different from the old one. Love the place. The first visit was a rand total of $25 and the second was $4...
by BrandonBogle
Sun Sep 21, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Blood work for cats
Replies: 40
Views: 2563

Re: IRS Relents! Notice 2014-54 permits Basis Isolation

It took 5 years, but the IRS has released the attached taxpayer friendly Notice 2014-54, agreeing that the taxpayer will have the ability to do such things as twin direct rollovers (pre tax to TIRA and post tax to Roth) without concern that the IRS would force a pro rating of the basis to both IRA ...
by BrandonBogle
Thu Sep 18, 2014 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 85
Views: 8515

Re: iOS 8 update available today

I do not use iTunes today to take photos off my 5S (using whatever photo import tool you prefer, use PhotoStream, email it, DropBox it, etc.), only to add to my 5S. With iOS 8, you don't even need iTunes to that anymore. You should not need iTunes to move photos from your computer to your iPhone ev...
by BrandonBogle
Thu Sep 18, 2014 4:54 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5928

Re: iOS 8 update available today

I think it’s pretty crummy that a phone that was considered Apple's premier phone for most of 2011 (the iPhone 4) is now no longer able to be kept up to date with security fixes. Nice 3 year life span there. For those who don’t know, iOS 8 is not compatible with the 4. Totally agree with you. Also ...
by BrandonBogle
Thu Sep 18, 2014 4:12 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5928

Re: iOS 8 update available today

I have an iPhone 5 that works perfectly fine even though it is 2 years old. Also am taking good care of it because I don't want to buy new ones every one or two years. The only thing that is attractive to me is the wifi calling because the signal inside my home is not great. I am also preparing to ...
by BrandonBogle
Thu Sep 18, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5928

Re: iOS 8 update available today

The advice from my local Mac Users Group is to wait a bit. When the next update to the desktop OS10.10 comes out it will sync with iOS 8 through iCloud and until then there may be glitches getting desktop and mobile device to sync. Yup. Apple has repeatedly said certain functions will come to iOS 8...
by BrandonBogle
Thu Sep 18, 2014 12:29 am
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5928

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

The routine maintenance on mother's IS is done at the Toyota dealership across the street from the Lexus dealership. Warranty items are done at the Lexus dealership. So far it has worked great for us and has kept costs down. She has a CPO 2010 IS 250.
by BrandonBogle
Wed Sep 17, 2014 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4318

Re: Good Modern Science Fiction

I very much enjoyed "The Rook" by Dan O'Malley (http://www.rookfiles.com). It's Sci-Fi, Fantasy, and Mystery all rolled into one. Couldn't put it down. Full disclosure: I know the author personally, which is how I was introduced to the book.
by BrandonBogle
Mon Sep 08, 2014 12:56 am
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 131
Views: 5994

Re: chip credit cards

Essentially, a simple way to think of this (it is not how it technically works, but close enough to grasp what's happening) is that the chip provides the equivalent to the three digit code on the back of the card (or four on the front for AmEx). The clincher is that the "code" changes ever...
by BrandonBogle
Thu Sep 04, 2014 5:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: chip credit cards
Replies: 25
Views: 1591

Re: Husband rear-ended, driver ignoring his insurance

I will add that I forgot I had a similar account with State Farm in NC. Someone crashed into my legally parked car. He had Allstate. I contacted my insurance and they said I can file through them, pay my deductible, and get reimbursed when they get reimbursed. I did not have rental coverages, so I w...
by BrandonBogle
Wed Aug 27, 2014 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5257

Re: Husband rear-ended, driver ignoring his insurance

My mother has State Farm in Florida and this sounds very similar to an experience we had many years ago. Basically, it's go through your policy and pay your deductible, with the deductible being reimbursed to you if they charge it to the other driver's policy later; or wait until the determination o...
by BrandonBogle
Tue Aug 26, 2014 11:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5257

Re: Kick toe heater efficiency

I consider heating with electricity to be a crime, unless you have a very good excuse. Why? jimb I agree with jimb, why? Depending on the use case, it may be very appropriate. For instance, one of the cabins we sometimes stay at has one in the bathroom. It has a wall switch by the light. Simply its...
by BrandonBogle
Fri Aug 22, 2014 3:42 pm
 
Forum: Personal Consumer Issues
Topic: Kick toe heater efficiency
Replies: 10
Views: 856

Re: Quicken 2015 for Mac released

I still have Quicken installation on an external hard drive running Snow Leopard so I can still get it to run. Sadly, over the last two or three years, I've stopped using any such software. I tried iBank and SEE Financial, but didn't like it too much. Mint and other online services never met my need...
by BrandonBogle
Fri Aug 22, 2014 1:09 am
 
Forum: Personal Consumer Issues
Topic: Quicken 2015 for Mac released
Replies: 27
Views: 3153

Re: AAPL

I also paired down my trimmings a bit. My holdings are $88.59 pre-2014 split per share/$12.66 post-2014 split per share and sold at $700.07/$100.01 (pre/post-2014 split). Bought some VTI with the proceeds and happy that how things turned out. Meanwhile, I continue to love Apple and will help out the...
by BrandonBogle
Thu Aug 21, 2014 10:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 179
Views: 38767

Re: Vanguard Lost My Account

Honestly, while I can understand the argument that an account is under a fraud investigation, I still think it is a disservice to the customer (and poor customer service) if the account doesn't come up as existing and all info blanked out, with the simple comment "Account under potential fraud ...
by BrandonBogle
Tue Aug 19, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 94
Views: 11948

Re: The Three Fund Portfolio

I wholeheartedly agree with Taylor's post above. I will add one more comment. What would be trying to accomplish by adding this extra fund? If you are trying to reduce risk, the amounts Vanguard is "testing the waters" with will be nearly meaningless to your portfolio. Then, as Taylor poin...
by BrandonBogle
Sat Aug 09, 2014 6:51 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 914
Views: 373464

Re: Can I get a Mortgage anywhere?

My house is in North Carolina. My first mortgage is held in Virginia. The second mortgage is held in Massachusetts. Not a problem.
by BrandonBogle
Fri Aug 08, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I get a Mortgage anywhere?
Replies: 18
Views: 1803

Re: Roof replacement

I am about to begin a roof replacement in another two or so weeks. This is an insurance covered replacement on my primary home, so there is a different value set here. That said, I agree with others that the biggest cost is labor. And then, given that my insurance is paying for a full 3-tab replacem...
by BrandonBogle
Fri Aug 08, 2014 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Roof replacement
Replies: 13
Views: 1200

Re: Finding witnesses for a trust document

At the moment, I have lived in NC for six years, but my will was executed in Florida 10 years ago. But I do have plans to get around to redoing it here in NC.
by BrandonBogle
Fri Aug 08, 2014 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Finding witnesses for a trust document
Replies: 31
Views: 1396

Re: Mulch, Rubber Mulch, or Rocks in Landscaping?

I put in rubber mulch this past March in two areas up by the curb. So far so good. They went out easily, are holding their position, and are very soft to the touch. I have been slowly turning those areas in large flower beds and the plants are doing a great job coming out. Only downside I've experie...
by BrandonBogle
Fri Aug 08, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Mulch, Rubber Mulch, or Rocks in Landscaping?
Replies: 36
Views: 1840
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