Search found 1418 matches

Go to advanced search

by BrandonBogle
Wed May 27, 2015 5:10 pm
Forum: Personal Consumer Issues
Topic: Downside of placing a credit freeze?
Replies: 13
Views: 1123

Re: Downside of placing a credit freeze?

I have had mine frozen for years now with no regrets. One thing that I have read though is that if you forget or lose the PIN that they give you to unlock the freeze, then it is a lot of work and documentation to get it replaced, which makes sense. Just don't lose the PIN numbers. I was wondering h...
by BrandonBogle
Wed May 27, 2015 5:09 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 682
Views: 89428

Re: Tesla S

Congrats tecmage!
by BrandonBogle
Wed May 27, 2015 10:02 am
Forum: Personal Consumer Issues
Topic: Downside of placing a credit freeze?
Replies: 13
Views: 1123

Re: Downside of placing a credit freeze?

After the Anthem breach, I froze my reports. Recently I had to get a car loan. I submitted the app online knowing I wouldn't get an instant decision. When I then called them, they told me which CRA to freeze. I quickly submitted a 48 hours release (I was shopping around, so figured I would leave it ...
by BrandonBogle
Tue May 26, 2015 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed 0.99% auto loan
Replies: 33
Views: 2221

Re: Penfed 0.99% auto loan

If anyone is looking for a similar deal, DCU has a regular 1.49% on up to 5 years. We took a cash out refi against our car instead of a student loan last fall. They were VERY generous in the valuation, no minimum deductible that I recall (ours was $1000 at the time of disbursement), and I've heard ...
by BrandonBogle
Tue May 26, 2015 11:43 pm
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 86
Views: 9115

Re: I found a new coffee.

Can the "coffee snobs" share their coffee of choice? I rarely if ever drank coffee until about 10 years ago (age 33 then). Every time I was served weak/watery Folgers (parents or church). Someone was always putting sugar and cream in it. I was in Seattle for work and had "good" ...
by BrandonBogle
Sun May 17, 2015 3:06 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 682
Views: 89428

Re: Tesla S

I'm not likely to buy one of these in the near future. Especially because I tend to keep my cars for a long time, and a few years from now, when all my buddies are cruising along watching videos in their self-driving cars, I would feel like a fool stuck in traffic and cursing behind the wheel of my...
by BrandonBogle
Sun May 17, 2015 12:10 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 682
Views: 89428

Re: Tesla S

The battery in an EV also doesn't really stop working. In the Volt at 150k miles you can expect to have about 80% of your original capacity. I'm sure there's some type of degradation with a Tesla. So as long as you don't mind your capacity slowly decreasing over time there's no reason to think abou...
by BrandonBogle
Sat May 16, 2015 9:48 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 682
Views: 89428

Re: Tesla S

Cool. What Lexus did you have and how do you compare the ride, finish, and other characteristics to the S? My mother has a Lexus IS. Fun drive and smooth drive. The seats are very supple and provide more support than the 1.0 seats I got in my Tesla (Tesla has since released 1.5 that match hers and ...
by BrandonBogle
Sat May 16, 2015 9:06 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 682
Views: 89428

Re: Tesla S

OMG! OMG! OMG!!!!!!!!! The Tesla CPO website went live tonight and I glanced around. Found a nice 2013 Dolphin Gray 85 w/ Tech and Air Suspension, Panoramic moonroof, Black Leather Seats, and Obece Wood Gloss interior. No autopilot, no folding mirrors, no parking sensors, no AWD, no alcantara headl...
by BrandonBogle
Sat May 16, 2015 8:59 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 682
Views: 89428

Re: Tesla S

BBOGLE, was the car local to you or does TSLA ship the car to your nearest center? Sorry, I missed this post somehow. You can pick up at the location that has the car for $0, or they ship to you (nearest center, or your house if the nearest center is over 160 miles away) for $500, $1k, or $1,500 de...
by BrandonBogle
Wed May 06, 2015 4:16 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 95
Views: 10371

Re: New Vanguard AMT-free National Municipal Bond Fund

Is anyone planning to move from the active fund to this new index fund? In the short term, no. In a couple years, I will consider if this investment option is worthy to replace something I already have. I plan to "stay the course" for the time being and take a "wait and see" app...
by BrandonBogle
Wed May 06, 2015 12:32 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 206
Views: 9807

Re: Forum software upgrade bug reports and change requests

I have turned server-side unread tracking back one. It has to start from scratch recording where everyone is, so it may not be exact at first. But threads you read from this point on and new threads should show unread information correctly. Thank you! Thank you! Thank you! As a side note, it restor...
by BrandonBogle
Mon May 04, 2015 12:20 pm
Forum: Personal Consumer Issues
Topic: New car every 5 years instead of 10?
Replies: 129
Views: 9944

Re: New car every 5 years instead of 10?

I enjoy driving and I enjoy the experience of getting from A to B. If I didn't and simply wanted to get there, then a safe, reliable econobox is fine. I enjoy going for walks. Walks are not just a way of getting from A to B. Does that mean I should buy Gucci shoes? Gucci shoes no (unless they provi...
by BrandonBogle
Mon May 04, 2015 11:29 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 206
Views: 9807

Re: Forum software upgrade bug reports and change requests

Interesting. It's not clear to me how a cookie-based system could work the way I've experienced. However, as took a day off work today, I haven't been able to try it. I would guess that some people have use multiple platforms by now and could comment. Earl If I had to guess (I am unfamiliar with ph...
by BrandonBogle
Mon May 04, 2015 10:46 am
Forum: Personal Consumer Issues
Topic: New car every 5 years instead of 10?
Replies: 129
Views: 9944

Re: New car every 5 years instead of 10?

I enjoy driving and I enjoy the experience of getting from A to B. If I didn't and simply wanted to get there, then a safe, reliable econobox is fine. I enjoy going for walks. Walks are not just a way of getting from A to B. Does that mean I should buy Gucci shoes? Gucci shoes no (unless they provi...
by BrandonBogle
Mon May 04, 2015 10:32 am
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9355

Re: Will you buy self-driving car?

There are certainly times I want to drive and times I just want to be driven. I don't think manual mode will go away but within 10 years I think it will be very rare for people to use it. Computers are already safer drivers (even in environments where all other drivers on the road are human drivers...
by BrandonBogle
Mon May 04, 2015 10:27 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 206
Views: 9807

Re: Forum software upgrade bug reports and change requests

I think the problem of having all of your posts showing up as unread is the result of one of those new features I turned off. Specifically 'Enable server-side topic marking: Stores read/unread status information in the database rather than a cookie". You can imagine the size of the database ta...
by BrandonBogle
Mon May 04, 2015 10:10 am
Forum: Personal Consumer Issues
Topic: New car every 5 years instead of 10?
Replies: 129
Views: 9944

Re: New car every 5 years instead of 10?

This. If you trade in a car with shot breaks and bad tires, don't expect as high of a trade in. There is no free lunch. Point well taken. But as of right now the brakes and tires are still good. But they will probably need to be replaced over the next 10,000 miles. So if I sell or trade in now, the...
by BrandonBogle
Mon May 04, 2015 10:05 am
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9355

Re: Will you buy self-driving car?

I'm in my early 30s and honestly do not think we will see 100% self-driving cars in my lifetime of capable driving. However, I do believe we will see vehicles that take over highway driving and eventually vehicles that take over city driving as an option . There are certainly times I want to drive a...
by BrandonBogle
Sun May 03, 2015 11:18 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 206
Views: 9807

Re: Forum software upgrade bug reports and change requests

I just wanted to add that while we are posting differences we are seeing and suggestions or tidbits, we are very, very appreciative of everything you do for the site and us Bogleheads! We thank you for your hard work and dedication! :sharebeer
by BrandonBogle
Sun May 03, 2015 9:32 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 206
Views: 9807

Re: Forum software upgrade bug reports and change requests

One small request: we're wasting too much space at the top of each post. The field containing poster's name, exclamation point, and quote mark can be compressed down to almost half its present height, getting the poster's name closer to the title of the post... Not that I think Alex wants to have a...
by BrandonBogle
Sun May 03, 2015 12:50 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 206
Views: 9807

Re: Forum software upgrade bug reports and change requests

I must be missing it somewhere, but how do I switch to a "Desktop View" if I don't want to use the mobile view? The formatting is off on my phone and I was comfortable just using the desktop site for my browsing and commentating. I hope this is a semi-permanent setting as I do 90% of my br...
by BrandonBogle
Sun May 03, 2015 12:47 am
Forum: Investing - Theory, News & General
Topic: Who's Buying I Bonds Now?
Replies: 39
Views: 2906

Re: New I bond rates out - not good news

I am thinking of using this opportunity to cash in my I-Bonds in December or January. I only 0.2% and 0.1% fixed rates bonds. The Treasury Direct website is a pain to deal with and I figure I could just roll these into my bond holdings (likely in addition to my munis).
by BrandonBogle
Fri May 01, 2015 2:55 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 682
Views: 89428

Re: Tesla S

Test drove the 70D, wow! Refuse to buy new - ton of used rear wheel drive S models on the lot. Guess I have to wait at least 18 months or longer to get a decent price on a used 70D? or maybe used Model X (or any AWD). You can see about an inventory 70D. They will likely have 100 - 4k miles on them ...
by BrandonBogle
Sun Apr 26, 2015 12:24 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 682
Views: 89428

Re: Tesla S

On the Tesla Motor Club forums, people have gotten quotes for $25k currently and expect to to move closer to $10k over the next few years as the gigafactory comes online. To me, until Tesla comes up with an official public price, it is a major impediment to buying the car, whether new or used, but ...
by BrandonBogle
Sat Apr 25, 2015 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Should I use Roth funds for new car (lump sum) purchase?
Replies: 15
Views: 1318

Re: Should I use Roth funds for new car (lump sum) purchase?

^ I would also remark that the overall process varies quite a bit depending on the dealer. The Toyota 4Runner and Lexus IS required signing maybe 3-4 times. Everything was pretty much filled out and printed, and then you just sign once verifying. We once bought a VW and that dealer required on less ...
by BrandonBogle
Sat Apr 25, 2015 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Should I use Roth funds for new car (lump sum) purchase?
Replies: 15
Views: 1318

Re: Should I use Roth funds for new car purchase?

About a year ago, I got a 0% interest car loan after negotiating to pay cash. It certainly helps with cash flow and taxes. So I would rethink the idea of not financing. If that happened, I'd do it. I don't like to mess up the price negotiations so I go in there planning to negotiate a cash deal. If...
by BrandonBogle
Sat Apr 25, 2015 10:16 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 682
Views: 89428

Re: Tesla S

Congratulations BrandonBogle, that's awesome. Something that just occurred to me (I know, I'm slow on the uptake) is that purchasing a used Tesla (or other EV) will be less anxiety inducing than buying a used ICE vehicle. Unless it's been in an accident, or there are cosmetic (and visible) issues, ...
by BrandonBogle
Sat Apr 25, 2015 10:08 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 682
Views: 89428

Re: Tesla S

4nursebee wrote:BBOGLE, was the car local to you or does TSLA ship the car to your nearest center?


Mine is coming from DC; no transport fee either.
by BrandonBogle
Fri Apr 24, 2015 11:59 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 682
Views: 89428

Re: Tesla S

Wow, that's a heck of a deal, assuming it's a S85. Congrats! Yes. P85s seem to be in the mid-upper $60s and above. I've driven my neighbor's S85 and no need for the P for me (talk about Tesla spirit, 3 days after he got it he handed me the keys, said "enjoy and be back before six please!"...
by BrandonBogle
Fri Apr 24, 2015 11:32 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 682
Views: 89428

Re: Tesla S

OMG! OMG! OMG!!!!!!!!! The Tesla CPO website went live tonight and I glanced around. Found a nice 2013 Dolphin Gray 85 w/ Tech and Air Suspension, Panoramic moonroof, Black Leather Seats, and Obece Wood Gloss interior. No autopilot, no folding mirrors, no parking sensors, no AWD, no alcantara headli...
by BrandonBogle
Fri Apr 24, 2015 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Should I use Roth funds for new car (lump sum) purchase?
Replies: 15
Views: 1318

Re: Should I use Roth funds for new car purchase?

The first point would be to evaluate whether you want to spend $25k on a "new" car or less on a "new-to-you" car. Regardless of that decision, then you need to decide how you will pay for it. Personally, I am NOT debt-adverse where it makes sense . If you have pay $1,500 in taxes...
by BrandonBogle
Tue Apr 21, 2015 10:27 pm
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 99
Views: 9959

Re: “Entry level” luxury cars under 40k

There have been a few mentions about this in the posts, but most seem to have glazed over them. Why limit the selection to new cars? You can find cars from 2010 and on in the "luxury" category for under 40k no problem. This could run the gamut of options. I almost bought a M37x after drivi...
by BrandonBogle
Thu Apr 16, 2015 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Anxiety about market fluctuations
Replies: 13
Views: 1159

Re: Anxiety about market fluctuations

Would you please explain your avatar to me? I keep staring at it, trying to figure out what the texture is on the outside of that cup. - Tim Tim, I LOVE coffee and have a penchant for cookies. Seemed logical to seek out this cookie coffee cup! http://thewateringmouth.com/edible-cookie-cup-by-enriqu...
by BrandonBogle
Thu Apr 16, 2015 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Anxiety about market fluctuations
Replies: 13
Views: 1159

Re: Anxiety about market fluctuations

Thank you all for your replies. As for the portfolio allocation, I have a 70/30 split Equity-Bond, 70/30 split US-Intl, and using a 3-fund approach. The value of the portfolio causes me no loss of sleep thankfully. I am very comfortable there, even if today there is a 50% drop in both equities and b...
by BrandonBogle
Thu Apr 16, 2015 7:37 am
Forum: Investing - Help with Personal Investments
Topic: Anxiety about market fluctuations
Replies: 13
Views: 1159

Anxiety about market fluctuations

Good day fellow Bogleheads! First and foremost I want to thank you all for your help and inspiration over the last two years. While I had some Boglehead-like investing principles, it really changed things joining and learning over the past two years! Recently, I've been giving serious thought to loo...
by BrandonBogle
Wed Apr 15, 2015 10:45 am
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1104
Views: 511264

Re: The Three Fund Portfolio

Any thoughts on constructing a Three Fund Portfolio inside the government's Thrift Savings Plan? I am specifically wondering about the use of the F (Total Bond Market) fund and G (guaranteed government securities) fund, and how and why people would choose between the two. fortyofforthy, I would che...
by BrandonBogle
Thu Apr 09, 2015 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Reached My Goal, Thanks, Major Life Changes Afoot
Replies: 14
Views: 2672

Re: Reached My Goal, Thanks, Major Life Changes Afoot

It was really really difficult to contemplate half the household income going away. Time will tell I guess - but having a decent amount as backup does free the mind from some of the worries of no longer being a double income household. I'm actually more excited about your career moves. Everyone her...
by BrandonBogle
Thu Apr 09, 2015 9:49 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 682
Views: 89428

Re: Tesla S

While I definitely want a center console, I just decided to look at the car as $600 more expensive and gave people who do not want a center console the option to not having it and saving that money. The mental trick there helps swallow the $600 cost for getting a piano black center console installed...
by BrandonBogle
Wed Apr 08, 2015 9:56 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 682
Views: 89428

Re: Tesla S

Oh yes, taking that into account. 70D, metallic paint, pano roof, standard wheels, autopilot, upgraded stereo. Then either black leather and standard headliner, or premium interior with gray seats and black headliner. Yesterday, the configuration would have been 85D, metallic paint, standard wheels,...
by BrandonBogle
Wed Apr 08, 2015 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Reached My Goal, Thanks, Major Life Changes Afoot
Replies: 14
Views: 2672

Re: Reached My Goal, Thanks, Major Life Changes Afoot

Congratulations! I am glad to hear you and your wife not only hit your first goal, but planned a lifestyle change around it. Not necessarily going out and being crazy, but trading in the "rat race" for something more enjoyable since life is too short! This is a great inspiration for the re...
by BrandonBogle
Wed Apr 08, 2015 8:49 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 682
Views: 89428

Re: Tesla S

Fellow Tesla owning (and following) Bogleheads, how do you feel about the power liftgate on your vehicle? With today's changes dismantling of the tech package (making the power liftgate part of the premium package) and the introduction of the 70 kWh dual motor Model S, the car is now in my sweet spo...
by BrandonBogle
Wed Apr 08, 2015 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Help with some important financial questions
Replies: 9
Views: 928

Re: Help with some important financial questions

Now that I have about 40K in my savings account, should I continue to save 30%/year for next couple of years - 40k would be sufficient for my portion of the downpayment. Personally, I would not. Assuming your emergency funds are also in order, since financial independence is an important quality to...
by BrandonBogle
Tue Apr 07, 2015 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: Unclear on taxes for a "reverse" rollover
Replies: 6
Views: 441

Re: Unclear on taxes for a "reverse" rollover

Can they make the check payable to "Fidelity IRA for benefit of (you)"? That's how Fidelity did it when I was moving my Fidelity 401k to a VG IRA. It is kind of weird that they can't do a transfer from one plan to another within their own company. This is also how Vanguard 401k did it for...
by BrandonBogle
Tue Apr 07, 2015 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Help with some important financial questions
Replies: 9
Views: 928

Re: Help with some important financial questions

To piggy off of LadyGeek, I would approach your manager about your long-term career plan with your organization. Not to make it sound you are looking to leave, but to have a roadmap of where you are going. Good luck! As for your first question, I am with others to not pay it off until you answer the...
by BrandonBogle
Tue Apr 07, 2015 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Need[ed] to stop an ACH transfer [that once was] tomorrow
Replies: 11
Views: 2570

Re: EMERGENCY! Need to stop an ACH transfer happening tomorr

You could also put a stop payment on it to potentially avoid the payment getting processed out of your checking account. That said, I concur with others that there is more to your story and on the surface, it doesn't pass the sniff test since any overpayment is not "lost" money, just an ad...
by BrandonBogle
Sat Apr 04, 2015 11:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard advice to increase international bonds and stocks
Replies: 27
Views: 3504

Re: Vanguard advice to increase international bonds and stoc

I was wondering if following this advise is wise as we have one year until we retire. Any input is appreciated. If I was one year away from retirement, I would not be worried about increasing international stocks or bonds as they will make a neglible earnings difference in one year. Instead, I woul...
by BrandonBogle
Wed Apr 01, 2015 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze and NEW Credit Cards
Replies: 12
Views: 956

Re: Credit Freeze and NEW Credit Cards

Victoria, Credit freezes are one of the best moves you can make to secure your financial credit, better than credit reporting in the sense that they never let a bad actor open a line of credit you would need to be concerned about . I just wanted to note that this is what essentially happens, it is ...
by BrandonBogle
Wed Apr 01, 2015 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze and NEW Credit Cards
Replies: 12
Views: 956

Re: Credit Freeze and NEW Credit Cards

VictoriaF wrote:Brandon,

Did your mother have to pay for a temporary UNfreeze?

Victoria


No, but because...
Rupert wrote:You also don't have to pay to unfreeze if you're a victim of identity theft. You have to send each credit company a copy of a police report or a Federal Trade Commission report to prove you're a victim.
by BrandonBogle
Wed Apr 01, 2015 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze and NEW Credit Cards
Replies: 12
Views: 956

Re: Credit Freeze and NEW Credit Cards

My mothers reports are frozen at the big 3. When applying for a BarclaysCard, she got a generic rejection letter since they couldn't pull her report. I just haven't bothered following up with them in order to unfreeze the report and get it processed. For FIA (Fidelity Amex), we got the initial rejec...

Go to advanced search