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Re: Apple Stores - do they try to be awful?

And just want to add that while I have been an Apple user for my home (written on a 2009 MacBook Pro) and have since the original Macintosh 128k, I didn't get on board the iPhone train at first. I used flip phones forever and moved up to smartphones about 6 years ago. I went through some LG "ri...
by BrandonBogle
Tue Nov 18, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Apple Stores - do they try to be awful?
Replies: 41
Views: 2891

Re: Apple Stores - do they try to be awful?

I have been to quite a few Apple stores in several states and have always found the employees to be extremely helpful and patient. They leave you alone when you want be left alone and are available to answer questions when you need them. Consistently great experiences. Yes, they do leave you alone ...
by BrandonBogle
Tue Nov 18, 2014 9:19 pm
 
Forum: Personal Consumer Issues
Topic: Apple Stores - do they try to be awful?
Replies: 41
Views: 2891

Re: Apple Stores - do they try to be awful?

I have used Apple products for over 20 years. Owned every product and give them high marks. Have a substantial amount of Apple stock (only individual stock). Every time I enter the store (different cities/stores) the experience is the same. The folks that work there are arrogant, aloof, and inflexi...
by BrandonBogle
Tue Nov 18, 2014 4:29 pm
 
Forum: Personal Consumer Issues
Topic: Apple Stores - do they try to be awful?
Replies: 41
Views: 2891

Re: Does anyone here make "fun" purchases.

Fun purchases? Paid cash. I would challenge anyone to tell me what this is, if not fun. http://i143.photobucket.com/albums/r127/Jackffr1846/lotus_zpsbcdded41.png Oh boy, you've got me real excited!! A Lotus Elise Series 2? If so, I bow to your feet and beg for a ride if I ever see it in person! :D
by BrandonBogle
Sun Nov 16, 2014 1:44 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 6359

Re: Your car(s) are equal to how many months income

Absent some insight in how this works, I'm just going to going to assume their is a bias in who is responding. The poll clearly asks about "current value of the car" relative to income, not "original purchase price" relative to income. I think the Bogleheads who answered it read...
by BrandonBogle
Fri Nov 14, 2014 10:41 pm
 
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 5988

Re: Your car(s) are equal to how many months income

I checked out Edmunds TCO before. I have found it to not be a good fit with the real-world numbers for my family. That said, it is better than nothing!
by BrandonBogle
Fri Nov 14, 2014 3:56 pm
 
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 5988

Re: Does anyone here make "fun" purchases.

My frivolous purchase story: Last year I did an "exotic car tour." It cost $1000 and entailed spending a day driving through the mountains in a series of 8 exotic cars. Lamborghini, Maserati, Porsche, Lotus, etc. It was fantastic and I would totally do it again. It's a story I will tell m...
by BrandonBogle
Fri Nov 14, 2014 3:46 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 6359

Re: Your car(s) are equal to how many months income

BrandonBogle, your mistake is thinking the Bogleheads are representative of the average American - we know based from prior surveys that is definitely not true. For example, in a poll 2 years ago I asked if you were a millionaire; half of all respondents replied, "Yes." Likewise boglehead...
by BrandonBogle
Fri Nov 14, 2014 3:34 pm
 
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 5988

Re: Your car(s) are equal to how many months income

TradingPlaces, I would love such a website. For my own budget, I try to estimate that. {[Purchase Price - Estimated Value (discounted to minimize bias)/Selling Price] + operating costs* (insurance, registration, taxes, repairs, routine maintenance)} / estimate length of ownership Indirectly, you acc...
by BrandonBogle
Fri Nov 14, 2014 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 5988

Re: Your car(s) are equal to how many months income

Have a new car and a 5 year old car. Between one and two months gross income. I selected "2". Ask in 5 years and you'll likely get a lower answer. for a given individual or couple this answer continually changes as a function of time. To capture 'Boglehead frugality' it would be something...
by BrandonBogle
Fri Nov 14, 2014 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 5988

Re: Your car(s) are equal to how many months income

I don't understand what your question is/confusion is about. 2 months income is generally enough that people think twice about spending it. Well, if I just need to accept it and not understand so be it. My confusion is how one can consider that a reasonable assessment. Per http://www.ssa.gov/oact/c...
by BrandonBogle
Fri Nov 14, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 5988

Re: Does anyone here make "fun" purchases.

For a purchase of that amount, I'd seriously consider, for at least a month, whether I really want those particular curtains that bad. If after that amount time the answer is still yes, then go nuts. This is often advice I give my friends who sometimes rush in "feet first". I tell them th...
by BrandonBogle
Fri Nov 14, 2014 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 6359

Re: Does anyone here make "fun" purchases.

My frivolous purchase story: Last year I did an "exotic car tour." It cost $1000 and entailed spending a day driving through the mountains in a series of 8 exotic cars. Lamborghini, Maserati, Porsche, Lotus, etc. It was fantastic and I would totally do it again. It's a story I will tell m...
by BrandonBogle
Fri Nov 14, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 6359

Re: Does anyone here make "fun" purchases.

VirginiaBob wrote:I make fun purchases all the time: VTI, BND, VXUS.


:) I get to experience the fun twice there; once when I submit the order and a second time when I receive the text that my order executed.
by BrandonBogle
Fri Nov 14, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 6359

Re: Does anyone here make "fun" purchases.

I don't pay for frivolous purchases. I do spend a lot on experiences. This is based on my life philosophy and supported by behavioral economics' findings that experiences are more rewarding than material possessions. Victoria I'm in a similar boat. On Wednesday I fly to Houston (and from there driv...
by BrandonBogle
Fri Nov 14, 2014 12:30 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 6359

Re: Chip and Pin: busted by hackers before it's even here

I agree with Methedras here and I feel that is the value-add in Apple Pay (in terms of security) and anyone else using similar setups (Google Wallet in some implementations) -- the contactless information transmitted is NOT you actual card data and include unique tokens, so capturing this informatio...
by BrandonBogle
Fri Nov 14, 2014 8:01 am
 
Forum: Personal Consumer Issues
Topic: Chip and Pin: busted by hackers before it's even here
Replies: 17
Views: 1481

Re: Your car(s) are equal to how many months income

Am I missing something? Depreciation, I think. The cars may well be worth higher multiples of monthly income when purchased new, but since they depreciate, the multiples shrink rapidly. And of course, not everyone buys new cars. I completely agree there and a concern I shared about looking at this ...
by BrandonBogle
Fri Nov 14, 2014 7:52 am
 
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 5988

Re: Your car(s) are equal to how many months income

Our two cars combined are worth less than half of one month's gross income. I've been contemplating buying a new car worth a little more than 2 month's income, but haven't been able to justify it in my head. I've wanted this particular type of car since I was 16, but haven't been able to make the m...
by BrandonBogle
Fri Nov 14, 2014 12:03 am
 
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 5988

Re: Your car(s) are equal to how many months income

The Wizard wrote:Annualized cost is hard to compute except in retrospect, that's why...


True, but may provide more of an insight of any trends. There will be flaws there too when you consider cars there were stolen or lost in accidents.
by BrandonBogle
Wed Nov 12, 2014 4:50 pm
 
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 5988

Re: Your car(s) are equal to how many months income

I'm not sure what one would do with this data. My hypothesis is that on the two 'big ticket consumption items" for most people (houses and cars) , that bogleheads will prove to be very thrifty consumers. The values are useful proxies for consumption costs in groups. You just contradicted yours...
by BrandonBogle
Wed Nov 12, 2014 4:09 pm
 
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 5988

Re: The Three Fund Portfolio

Anybody can buy products that produce more current income. They buy riskier assets. Current income, meaning because of the increased risk, it may not last your lifetime, or even 5 years. It might, though. That's the risk they will take. Jack Bogle noted on a recent interview that the further out on...
by BrandonBogle
Sat Nov 08, 2014 11:54 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 946
Views: 389321

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

LadyGeek wrote:family_doc has given permission to use the group photo in the wiki: The Bogleheads®


Now I feel immortalized! Well, until the next pic is taken. :)
by BrandonBogle
Fri Nov 07, 2014 8:37 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 69
Views: 6977

Re: Oil change costs--dealer vs other

That $20 oil change is what they use to get you in there. Then I guarantee the real sales tactics begin: "when was the last time you had xyz changed, or you really could use new wiper blades, or it's time for the X,000 mile service." I happily pay my local shop $40 where the coffee is hor...
by BrandonBogle
Fri Nov 07, 2014 9:26 am
 
Forum: Personal Consumer Issues
Topic: Oil change costs--dealer vs other
Replies: 35
Views: 2217

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

leod wrote:Target VISA Card gets 5% discount too without giving them access to your checking account

This is what I use and I hope someday it can go into Apple Pay so it is one less card to carry around! :)
by BrandonBogle
Wed Nov 05, 2014 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 8558

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

Mediahound, for me Apple Pay has been slower mainly because on an iPhone 6+, holding the phone up to the NFC reader and using Touch ID has yet to be successful for me on the first try out of my 10 or so transactions. Half the time when unlocking the phone it fails on the first try. I've tried deleti...
by BrandonBogle
Tue Nov 04, 2014 10:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 8558

Re: Netflix: how long broken?

Used it for a couple hours tonight without issue on my Apple TV this evening.
by BrandonBogle
Tue Nov 04, 2014 12:33 am
 
Forum: Personal Consumer Issues
Topic: Netflix: how long broken?
Replies: 13
Views: 2141

Re: LED Christmas lights?

Also, simply saying "white" doesn't really answer what color they were. Without getting into a discussion of kelvins and white temperature, let's say there is typically Cool White that is more blue-like and Warm White that is more yellow-like. Many previous generations of LEDs were Cool Wh...
by BrandonBogle
Mon Nov 03, 2014 5:01 pm
 
Forum: Personal Consumer Issues
Topic: LED Christmas lights?
Replies: 15
Views: 1955

Re: LED Christmas lights?

I made the switch to LEDs for the Christmas tree itself and the two exterior trees, but not yet for the exterior "net lights" I put on the bushes. Yard decorations are a mixture of LEDs and traditional lights. I have to admit, I would have thought the LEDs would stick out like a sore thumb...
by BrandonBogle
Mon Nov 03, 2014 3:39 pm
 
Forum: Personal Consumer Issues
Topic: LED Christmas lights?
Replies: 15
Views: 1955

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

Dear Bogleheads, Here is a link to the photos that I took, along with my photog buddy Pongo https://picasaweb.google.com/108981735637005715238/Bogleheads2014?authuser=0&authkey=Gv1sRgCIWTgtTp6-KEMQ&feat=directlink I enjoyed meeting everybody again this year! Enjoy the pics! with kindest reg...
by BrandonBogle
Mon Nov 03, 2014 12:19 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 69
Views: 6977

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

I have posted my photos from BH13 (2014). Here is a link http://pongophotos.zenfolio.com/bh13 . Enjoy, Pongo Thank you Pongo for taking the time to not only compile, clean up, and post the images after the conference, but taking the time during the conference to capture these moments. Your generosi...
by BrandonBogle
Sun Nov 02, 2014 5:52 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 69
Views: 6977

Re: VPN for personal use overseas?

I use EasyVPN and have had good experiences with it. Very easy to use and you can choose "optimized" or a specific country as your exit point if you are using a service restricted from certain countries. Edit to add: They offer pretty good amounts for free. I believe it starts at 250 MB an...
by BrandonBogle
Sat Nov 01, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: VPN for personal use overseas?
Replies: 6
Views: 719

Re: Mystery around Google Voice/Obihai Combination News

I'm still using Google voice every day. The only thing I don't like about it is that callers get around five or six rings before they can leave a message. Otherwise, I love it; messages come in as emails that you can either read or listen to. One thing I've noticed: when I place a call, it somehow ...
by BrandonBogle
Fri Oct 31, 2014 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Mystery around Google Voice/Obihai Combination News
Replies: 5
Views: 738

Re: Vanguard Signal Share -> Admiral Share Conversion

So does this mean that Admiral shares of Vanguard index funds are in the process of becoming readily available at your friendly cyberneighborhood non-Vanguard brokerage? It doesn't appear so yet. Total US Stock market that previously was Signal lets me buy Admiral. Previously, I bought Total Intl E...
by BrandonBogle
Fri Oct 31, 2014 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Signal Share -> Admiral Share Conversion
Replies: 5
Views: 626

Vanguard Signal Share -> Admiral Share Conversion

Good day fellow Bogleheads. I know I read previous threads on Vanguard announcing this change, but I couldn't find the thread using the search function. I know it has been mentioned as part of other topics before, so maybe it just never had its own thread. I just wanted to share that my Vanguard Tot...
by BrandonBogle
Fri Oct 31, 2014 3:21 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Signal Share -> Admiral Share Conversion
Replies: 5
Views: 626

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 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 8558

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 11:47 am
 
Forum: Personal Consumer Issues
Topic: canceled flight on AA: premium seat fee not refunded
Replies: 30
Views: 2315

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 7:24 am
 
Forum: Personal Consumer Issues
Topic: Using your own equipment on Uverse and Comcast
Replies: 23
Views: 2233

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 1:26 am
 
Forum: Personal Consumer Issues
Topic: Using your own equipment on Uverse and Comcast
Replies: 23
Views: 2233

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 6:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Max Out Retirement Funds or Payoff Debt
Replies: 29
Views: 2025

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 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Max Out Retirement Funds or Payoff Debt
Replies: 29
Views: 2025

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 8:14 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 69
Views: 6977

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 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 8558

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 6:45 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 69
Views: 6977

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 6:43 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 69
Views: 6977

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 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 8558

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 6:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 8558

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 4:57 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 69
Views: 6977

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 4:51 pm
 
Forum: Forum Issues and Administration
Topic: Viewing forum on iPhone [small font - Forum software update]
Replies: 23
Views: 1836

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 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 8558

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 12:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 8558
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