Search found 1288 matches

Return to advanced search

Re: Vehicles are (apparently) MUCH safer in last few years

barnaclebob - I agree re: the commercials. Especially when they're associated with pricey safety-oriented brands (Volvo, Mercedes, etc). Mom is thoughtless about some distraction and about to slam into something. But her new safety systems save her and junior! Some of them almost seem to encourage ...
by BrandonBogle
Thu Jan 29, 2015 4:58 pm
 
Forum: Personal Consumer Issues
Topic: Vehicles are (apparently) MUCH safer in last few years
Replies: 12
Views: 571

Re: New car safety features

I don't understand people who have their driver's-side mirror set up to show their own car and the car behind them. What is the point of that? You can see the car behind you in your rear-view mirror and there is no need to see your own car. I usually adjust my mirrors on the highway or on multi-lan...
by BrandonBogle
Thu Jan 29, 2015 3:46 pm
 
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 70
Views: 3476

Re: 2.875% mortgage pay-off financially justifiable?

In my situation, I have 26 years left at 2.875% on the first mortgage, and a HELOC currently at 2.75 (last year's remodel). Both could be wiped out completely with my taxable accounts, but I am in no rush to pay off the first mortgage. That said, financially speaking, you sound like you are further ...
by BrandonBogle
Thu Jan 29, 2015 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2.875% mortgage pay-off financially justifiable?
Replies: 12
Views: 639

Re: Should mom transfer house title before dying or in will?

Another consideration would be a Lady Bird Deed, if such is available in California (the Op's state). It essentially is like a bank account owned by her mother, POD her. So for taxes and all legal things, mom is the owner. At the time of mom's passing, it passes to Op by deed directly rather than be...
by BrandonBogle
Thu Jan 29, 2015 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should mom transfer house title before dying or in will?
Replies: 23
Views: 1942

Re: Happy Birthday Taylor!

Yes, yes. Three cheers for Taylor! Happy Birthday and thank you for all your insights and guidance!
by BrandonBogle
Sun Jan 25, 2015 5:20 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say [about various investing topics]
Replies: 49
Views: 2898

Re: Half off TurboTax thru Monday

I'm assuming the downloadable version is not stored in the cloud, only on my computer etc. (so if computer crashes you lose it, etc.) The actual executable can be redownloaded. The tax file on your computer is not stored on the cloud automatically, but that does not mean you cannot do so yourself. ...
by BrandonBogle
Sat Jan 24, 2015 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Half off TurboTax thru Monday
Replies: 37
Views: 4266

Re: Half off TurboTax thru Monday

I did TurboTax last 5 years, this year I took offer from TAXAct for $6 federal + state and had some issues getting adjusted to the layout and questions but after some playing around, things are going well now... Good Bye TurboTax.... with your tricky tactics.... I have used TaxAct in the past and w...
by BrandonBogle
Sat Jan 24, 2015 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Half off TurboTax thru Monday
Replies: 37
Views: 4266

Re: Amazon Prime Is $72 Tomorrow for New Users

Just adding I use shoprunner for free shipping 85+ stores/websites (amazon.com not included)... shoprunner is $79/year but american express gives it free to members... check your benefits on your amex account page I use it mainly for dominos / macys its not as great as amazon prim but its free :) m...
by BrandonBogle
Sat Jan 24, 2015 12:25 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Is $72 Tomorrow for New Users
Replies: 27
Views: 2904

Re: Half off TurboTax thru Monday

Yeah, I bought downloadable TurboTax Premier yesterday for $48, including sales taxes. I had received an email from them alerting me to this deal. As did I back in December, but I did it though Amazon. Guess I am outta luck. I am seriously considering switching to TaxCut next year will all of Intui...
by BrandonBogle
Sat Jan 24, 2015 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Half off TurboTax thru Monday
Replies: 37
Views: 4266

Re: Half off TurboTax thru Monday

Unfortunately, this is still not a good deal for me. I don't need to file a state return, so I was buying Deluxe without the state included at Costco for $29. Now, even with this half off deal, Premier is still $45, in part because they have included the state. Intuit needs to offer a version of Pr...
by BrandonBogle
Sat Jan 24, 2015 10:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Half off TurboTax thru Monday
Replies: 37
Views: 4266

Re: Amazon Prime Is $72 Tomorrow for New Users

Nice way to punish loyal customers, Amazon. Coming up to today's offering the news outlets talked about New Users, but it does indeed seem to be available for existing users too. I see it mentioned upthread too... http://deals.kinja.com/amazon-prime-will-be-72-tomorrow-heres-what-that-gets-16811641...
by BrandonBogle
Sat Jan 24, 2015 9:57 am
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Is $72 Tomorrow for New Users
Replies: 27
Views: 2904

Re: Is my HVAC (heat pump) really dead?

Well, some of the changes I would recommend regardless of the age of the unit. If you have leaks that need to be sealed (and not necessarily in your HVAC), a programmable tstat, and small tweaks for comfort here and there. But I can understand if there is lots to do around the house and when/how to ...
by BrandonBogle
Mon Jan 12, 2015 10:26 am
 
Forum: Personal Consumer Issues
Topic: Is my HVAC (heat pump) really dead?
Replies: 54
Views: 3051

Re: Is my HVAC (heat pump) really dead?

Op, I bought this thermostat and have been very happy with it (Amazon doesn't seem to have a new one currently -- I bought mine new): http://www.amazon.com/Honeywell-RTH8500D-Touchscreen-Programmable-Thermostat/dp/B0026ES9UQ/ They have a number of Honeywell Programmable Thermostat's. These are compa...
by BrandonBogle
Fri Jan 09, 2015 9:47 am
 
Forum: Personal Consumer Issues
Topic: Is my HVAC (heat pump) really dead?
Replies: 54
Views: 3051

Re: Is my HVAC (heat pump) really dead?

Also note that the thermostat may not be set up correctly to even allow the heat strips to turn on. My house in NC has an air-sourced heat pump and when I replaced the thermostat to a programmable one, it had multiple settings for a heat pump. A "dual stage/dual source" heat pump was the ...
by BrandonBogle
Thu Jan 08, 2015 2:08 pm
 
Forum: Personal Consumer Issues
Topic: Is my HVAC (heat pump) really dead?
Replies: 54
Views: 3051

Re: Is my HVAC (heat pump) really dead?

Heat pumps aren't as effective below 20-30 degrees, especially a 20 year old one. When the temperature gets that low they rely more on their heat strips, which is an expensive way to heat your house. If your heat strips aren't working (or working properly) that could be why it's taking longer to wa...
by BrandonBogle
Thu Jan 08, 2015 1:22 pm
 
Forum: Personal Consumer Issues
Topic: Is my HVAC (heat pump) really dead?
Replies: 54
Views: 3051

Re: How Many Credit Cards do you have?

Just curious - how much did you have to spend to get $1000 cash back? In my case, I got way more than $1k cash back and I spent $0 more than I would have anyway. I choose what to buy first based on my budget, then where the payment comes from is the secondary decision. Generally though, $1k would b...
by BrandonBogle
Thu Jan 08, 2015 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 99
Views: 15967

Re: Should heat be left on?

Hopefully others will reply with more useful information, but I will you with two tidbits of my past. Note, I live in North Carolina, so it is quite likely MUCH warmer than Canada! A couple years ago when I lived in an apartment, I left the thermostat at my desired temporature 24/7. The apartment ha...
by BrandonBogle
Thu Jan 08, 2015 10:59 am
 
Forum: Personal Consumer Issues
Topic: Should heat be left on?
Replies: 25
Views: 3348

Re: Any men here get their wedding band on Amazon?

I think a key point would be that it doesn't need to be mutually exclusive. It could be that the matching style and look of the band to the wife's ring is available at an online retailer. But again, I think most women (who are not on the Bogleheads) would be aghast at the thought of spending less t...
by BrandonBogle
Wed Jan 07, 2015 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Any men here get their wedding band on Amazon?
Replies: 66
Views: 3703

Re: Any men here get their wedding band on Amazon?

I have never heard this, but I suppose it is possible. I randomly asked several (~10) of my female employees in the break room and not a single one cared about or even had an active part in choosing their husband's wedding band. Ok, then I'll be the first to admit that maybe I am old fashioned and ...
by BrandonBogle
Wed Jan 07, 2015 3:52 pm
 
Forum: Personal Consumer Issues
Topic: Any men here get their wedding band on Amazon?
Replies: 66
Views: 3703

Re: Aren't we in the midst of a deflationary downturn?

Browser wrote:I'm surprised I'm not hearing much about this in the financial media.


Now a good Boglehead knows the best way to hear the financial media is with ear plugs. You should be ashamed of trying to hear them! :wink:
by BrandonBogle
Tue Jan 06, 2015 5:16 pm
 
Forum: Investing - Theory, News & General
Topic: Aren't we in the midst of a deflationary downturn?
Replies: 20
Views: 2096

Re: How Many Credit Cards do you have?

I put 6+ b/c that is the truth, but generally only 3 active at a time. I only have one annual fee card, the US Air Barclays World MC which gets me free baggage on my flights. I fly often enough that the annual fee is worth it. Other than that, I do have some rotating category cards, but do well none...
by BrandonBogle
Tue Jan 06, 2015 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 99
Views: 15967

Re: Any men here get their wedding band on Amazon?

I must say that I absolutely love my ring , get compliments on how good it looks, and not have to be terrified if something ultimately does happen to it. I had a very nice titanium band that cost $150 before, but over the past two years, it got lots of scratches and scuffs. Still, I think I saw Amaz...
by BrandonBogle
Tue Jan 06, 2015 3:26 pm
 
Forum: Personal Consumer Issues
Topic: Any men here get their wedding band on Amazon?
Replies: 66
Views: 3703

Re: New Vanguard AMT-free National Municipal Bond Fund

IMHO it is more likely that Vanguard will expand its AMT-free series of muni index funds/etfs across the maturity spectrum since its present line-up of muni funds is exposed to the AMT . This will allow taxpayers subject to the AMT a Vanguard fund option. Interesting comment. I had always assumed t...
by BrandonBogle
Tue Jan 06, 2015 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 58
Views: 5034

Re: New Vanguard AMT-free National Municipal Bond Fund

I love that they are planning an ETF version of this. So it's a viable option for everyone, even if you don't have your assets at Vanguard or VBS directly! Currently, I use Vanguard's "Lond Term" VWLUX in my taxable account and would be interested in this once the dust settles on it. Perha...
by BrandonBogle
Tue Jan 06, 2015 9:51 am
 
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 58
Views: 5034

Re: Vanguard Cash Edge Service Link

G-Force wrote:Fido and BofA use Yodlee as their backend. Not sure about Wells Fargo.


Wow, all this time I had thought there were just a rebranded version of the same offering by the same back end provider. Well, goes to show that you can always learn something new! Thanks for correcting me :beer
by BrandonBogle
Mon Jan 05, 2015 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Cash Edge Service Link
Replies: 11
Views: 2001

Re: Vanguard Cash Edge Service Link

Also, it is not uncommon for things to not work for a little while and then they will start working again. I've noticed this as well, even when using the same services at Fido, BoA (before Merill Lynch), and Wachovia (before Wells Fargo). I believe they all use the same back end service provider (t...
by BrandonBogle
Thu Jan 01, 2015 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Cash Edge Service Link
Replies: 11
Views: 2001

Re: Vanguard Cash Edge Service Link

My outside accounts update regularly there except my TD AmeriTrade accounts. They have "last updated February 2014" on them and no matter how many times I reenter the information, it says "multi-authentication failure". when mine does that i have to go to the accounts screen or ...
by BrandonBogle
Thu Jan 01, 2015 12:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Cash Edge Service Link
Replies: 11
Views: 2001

Re: Vanguard Cash Edge Service Link

My outside accounts update regularly there except my TD AmeriTrade accounts. They have "last updated February 2014" on them and no matter how many times I reenter the information, it says "multi-authentication failure". That said, my manual entries (which obviously don't update) ...
by BrandonBogle
Wed Dec 31, 2014 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Cash Edge Service Link
Replies: 11
Views: 2001

Re: Solar USB chargers

I have the one linked below and love it. Use it predominantly when traveling/camping or when having multiple passengers and I don't have enough long cords to accommodate everyone. The latter case it only works so-so, but in the former, it works great. The key is to realize these are to TOP OFF your ...
by BrandonBogle
Thu Dec 18, 2014 11:34 pm
 
Forum: Personal Consumer Issues
Topic: Solar USB chargers
Replies: 14
Views: 1416

Re: Volvo vs. Mercedes



OMG, that article made me laugh hysterically. I need to read more of this writer's work!
by BrandonBogle
Wed Dec 17, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Volvo vs. Mercedes
Replies: 52
Views: 5257

Re: Life Strategy and Target Funds alternative

The older I get, the more I appreciate investment simplicity and the all in one funds (i.e. Target Retirement and Life Strategy) that are available with Vanguard. Best. Especially as Vanguard opens up institutional versions of the Target Date funds. This Institutional Target 2030 fund only has a 0....
by BrandonBogle
Tue Dec 16, 2014 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1012
Views: 446013

Re: "Vanguard converting mutual fund accounts to brokerage?

I work in banking sector but not related to selling any financial products. when i try to open the vanguard acct online its asking me approval from my employer. Did anyone had same experience opening a vanguard brokerage account who works in banking?. what approval do they usual need from employer?...
by BrandonBogle
Tue Dec 16, 2014 11:15 am
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 300
Views: 30315

Re: Vanguard Turbo Tax prices anounced

John151 is correct. This was verified by Bob Meighan of TurboTax. You can prepare a Schedule D in Deluxe manually (the interview function is not there for Schedule D) but you cannot e-file it. To be able to e-file a Schedule D, you must have Premier. Thanks Macaroon and John! I must find the recent...
by BrandonBogle
Mon Dec 08, 2014 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 88
Views: 14201

Re: Vanguard Turbo Tax prices anounced

Leesbro63 wrote: I am a Flagship client who must file Schedule D. Which version do I need? As I understand it, you can use TurboTax Deluxe to prepare Schedule D, but only if you're willing to print a paper copy of your return and send it through the mail. If you want to e-file, you'll have to use T...
by BrandonBogle
Mon Dec 08, 2014 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 88
Views: 14201

Re: Is it safe to leave Laptop in hotel room

Okay, thanks everyone. I think we'll just take it with us and lock it in the trunk of the car during the day when we're away from the room. Just to be on the safe side. That's what I do. Why tempt fate? If it were stolen, you'd probably feel foolish for having exposed it to the thief and others wou...
by BrandonBogle
Mon Dec 08, 2014 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 13886

Re: Medicare signup

Tonight I took a cursory look at the information at Medicare.gov since my mother will be eligible for Medicare later in 2015 and I wanted a head start on her options. Wow, no wonder there is so much discussion in general around Medicare. So many options and some many what-ifs. As a specific question...
by BrandonBogle
Thu Dec 04, 2014 12:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare signup
Replies: 36
Views: 2225

Re: SSL (aka TLS, https) comes to bogleheads.org

Thank you!

While we should never post anything we are afraid of others to see (like personally identifiable information) and we should not reuse login information here that we use elsewhere, I appreciate the forum doing its part to take measure in securing its part of the Internet!
by BrandonBogle
Sat Nov 29, 2014 6:36 am
 
Forum: Forum Issues and Administration
Topic: HTTPS (aka TLS, aka SSL) comes to bogleheads.org
Replies: 44
Views: 4635

Re: How long did your IT career last? At what age did it en

Agreed but knowledge of Cobol is not the only component of the mainframe where skills are limited Its also the underlying database and infrastructure such as IMS, DB2 and Teradata. Don't forget CICS and TOTAL. :twisted: Yeah but CICS is not a database. :D I don't know what TOTAL is. Of course there...
by BrandonBogle
Sat Nov 29, 2014 2:44 am
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 15066

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: 6255

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: 6255

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: 6255

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: 10743

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: 6590

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: 6590

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: 10743

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: 6590

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: 6590

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: 6590

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: 6590

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: 10743
Next

Return to advanced search