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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: 33
Views: 3297

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: 33
Views: 3297

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: 33
Views: 3297

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: 2048

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: 3630

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: 1501

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: 2541

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: 2541

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: 69
Views: 6491

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: 5874

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: 5874

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: 5874

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: 5874

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: 4274

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: 129
Views: 5534

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: 1587

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: 5241

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: 5241

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: 849

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: 3094

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: 178
Views: 38015

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: 11862

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: 906
Views: 365535

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: 1794

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: 1195

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: 1387

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: 1816

Re: Finding witnesses for a trust document

A witness to a will is a person who participates in the validation of a will document. The witness basically ensures that the testator has the intention and mental capacity to form a legal will. All witnesses must be present at the signing and should be able to observe the testator’s actions during...
by BrandonBogle
Fri Aug 08, 2014 11:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Finding witnesses for a trust document
Replies: 31
Views: 1387

Re: Home Siding Options

Definitely doing the upgrade on the shingles. Got traditional 3 tab now and will go with one of the "architectural shingle" upgrades. Love how it looks on the next door neighbors house. Driving around the neighborhood, I'd say the other houses are 60% aluminum, 30% vinyl, and 10% other mat...
by BrandonBogle
Fri Aug 08, 2014 9:27 am
 
Forum: Personal Consumer Issues
Topic: Home Siding Options
Replies: 14
Views: 1074

Re: Home Siding Options

Yeah. The last one in my neighborhood was back in 2010 or so. And we are far enough south (and just above sea level) that we barely get any snow in the part of the state. Even in the dead of winter, we rarely get a ground freeze, so climate is not nearly as hard on stuff here. I'll get the estimates...
by BrandonBogle
Thu Aug 07, 2014 7:57 pm
 
Forum: Personal Consumer Issues
Topic: Home Siding Options
Replies: 14
Views: 1074

Home Siding Options

Due to a recent hailstorm, I am undergoing a complete roof and siding replacement. My homeowners policy is picking up the tab (full replacement cost policy). I had traditional 3-tab shingles and on Monday I will be looking at colors and options for the new roof. The house had aluminum siding and the...
by BrandonBogle
Thu Aug 07, 2014 6:28 pm
 
Forum: Personal Consumer Issues
Topic: Home Siding Options
Replies: 14
Views: 1074

Re: PenFed ARMs now have 1% Origination Fee

I've seen them drop and bring back the closing cost promotion to help control demand, but this is the first time I saw the ARMs have an origination fee. Though, I haven't watched too closely.
by BrandonBogle
Mon Aug 04, 2014 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed ARMs now have 1% Origination Fee
Replies: 5
Views: 508

Re: PenFed ARMs now have 1% Origination Fee

Oops, posted in he wrong forum. Admins, could you move to Personal Finance? Thanks!
by BrandonBogle
Mon Aug 04, 2014 6:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed ARMs now have 1% Origination Fee
Replies: 5
Views: 508

PenFed ARMs now have 1% Origination Fee

Bogleheads, Anyone else notice that PenFed now has a 1% origination fee with their 5/5 and 15/15 ARMs? Such a shame because I have referred many people there before and were always my "first pick" for any mortgages. Would you still use them? I know some other CUs have begun offering 5/5s. ...
by BrandonBogle
Mon Aug 04, 2014 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed ARMs now have 1% Origination Fee
Replies: 5
Views: 508

Re: How Much Did You Lose Today?

After many great days/weeks/months this was a tough day - I am very diversified but everything was red today...domestic/international/emerging equities down, bonds/TIPs/international bonds/junk down, gold down, REITs down...was anything up today? I don't know. My portfolio has plummeted to June 201...
by BrandonBogle
Fri Aug 01, 2014 12:38 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15404

Re: Google Voice - ring lag problem

Nvm. Seems changing the delay is not an option. It is fixed at 25 seconds before GV voicemail takes it. The other options would be to disable GV voicemail and then your destination phone would ring until it's voicemail picks up.
by BrandonBogle
Thu Jul 31, 2014 1:06 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice - ring lag problem
Replies: 9
Views: 1204

Re: Google Voice - ring lag problem

Doesn't GV on the regular, desktop website have a setting for how long to wait till voicemail picks up? I thought the default is 25 or 30 seconds, but you could increase that to let your phone ring more often. It's been a LONG time since I set mine up, so I can't recall for sure.
by BrandonBogle
Thu Jul 31, 2014 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice - ring lag problem
Replies: 9
Views: 1204

Re: Wells Fargo "Wells-Trade" Brokerage Questions

No probably Jason. Apparently the thread is a year old, so I don't know if things have changed: viewtopic.php?f=1&t=118877&p=1736878
by BrandonBogle
Wed Jul 30, 2014 12:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Wells Fargo "Wells-Trade" Brokerage Questions
Replies: 23
Views: 1856

Re: Fraudulent Charges Mystery

I think it's a waste of time to check your statement every 2 or 3 days. Instead I recommend signing up for fraud alerts and have your CC company send you a text message for all charges over $x and for all charges that are made with the card not present. Or just read your statement. You get a reason...
by BrandonBogle
Wed Jul 30, 2014 12:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Fraudulent Charges Mystery
Replies: 21
Views: 3206

Re: Wells Fargo "Wells-Trade" Brokerage Questions

Those two funds (both Vanguard Intermediate-Term Tax-Exempt) reported that error, while other Vanguard municipal bond funds did not. Didn't Vanguard recently close Intermediate-Term Tax-Exempt from retail purchases outside Vanguard? I recall a thread about that sometime last year. In my PMA-linked ...
by BrandonBogle
Wed Jul 30, 2014 12:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Wells Fargo "Wells-Trade" Brokerage Questions
Replies: 23
Views: 1856

Re: AMZN's magical status

Absolutely amazing Nisi! My favorite part...

nisiprius wrote:Two chai-scented tears trickled down the sides of my nose.


Mmmm. I LOVE chai!
by BrandonBogle
Sat Jul 26, 2014 7:08 pm
 
Forum: Investing - Theory, News & General
Topic: AMZN's magical status
Replies: 26
Views: 2844

Re: Best Coffee Maker? What do you have?

My french press does taste better, but it's too much hassle if I want multiple cups throughout the day. Check out the Bunn Phase Brew . It works on the same concept as a French Press but provides the convenience of an automatic drip. I got the HT (thermal carafe) from Costco for about $70 or so las...
by BrandonBogle
Sat Jul 26, 2014 1:55 pm
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 75
Views: 6305

Re: Rich Spouse, Poor Spouse

Why not figure your taxes separately, for your own knowledge. Are you otherwise separating expenses? Assuming it is less expensive to file jointly, put the "extra you've saved" into something like a vacation account. Or split it proportionately, if you are seriously separately paying for ...
by BrandonBogle
Thu Jul 24, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rich Spouse, Poor Spouse [Tax filing apportionment]
Replies: 77
Views: 5879

Re: Best Coffee Maker? What do you have?

A French press. Loving my frech press, I bought this as an "automatic" french press. Absolutely love it!! http://www.google.com/url?url=http://www.amazon.com/HT-Thermal-Carafe-Coffee-Brewer/dp/B00472MMS0&rct=j&frm=1&q=&esrc=s&sa=U&ei=o0zRU4LAKeSBiwLMqICICg&ved=...
by BrandonBogle
Thu Jul 24, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 75
Views: 6305

Re: If you own a car, do you have a car payment?

Goaties, you do have a point. In my case though, I carry C&C anyways. Even on my paid off cars. My 2006 still has it. But a big part of that is that it costs me $50/year for comp ($500 deductible) and $150/year collision ($500 deductible). If I had to pay what I paid when I lived in Florida, I w...
by BrandonBogle
Wed Jul 23, 2014 8:27 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7619

Re: Saving for Basement Finish

I use a "emergency fund" for unplanned emergencies, but also maintain a "long" term fund for planned expenses. For instance, I have a year's worth of day-to-day expenses and monthly bills in a savings account. However, I know some day I will need another car. I know some day I w...
by BrandonBogle
Mon Jul 21, 2014 11:00 pm
 
Forum: Personal Consumer Issues
Topic: Saving for Basement Finish
Replies: 16
Views: 1032

Re: Saving for Basement Finish

I use a "emergency fund" for unplanned emergencies, but also maintain a "long" term fund for planned expenses. For instance, I have a year's worth of day-to-day expenses and monthly bills in a savings account. However, I know some day I will need another car. I know some day I wi...
by BrandonBogle
Mon Jul 21, 2014 5:49 pm
 
Forum: Personal Consumer Issues
Topic: Saving for Basement Finish
Replies: 16
Views: 1032

Re: Caught in the IRS fraud mess

They could add a quick check to the data submitted against historical data for this SSN. For instance, they can see if the same address and/or name and/or account info or other factors are the same as previous years and give "expedient" processing to those like they do today. For those who...
by BrandonBogle
Mon Jul 21, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Caught in the IRS fraud mess
Replies: 24
Views: 5957

Re: If you own a car, do you have a car payment?

I stopped the car loan thing decades ago. Now I only pay cash. I am not even interested in a 0.00% loan because I have too much cash on hand now. If they paid me to take out the loan, I would be interested in that! But getting a 0% loan after agreeing on a price you would pay cash for anyway in eff...
by BrandonBogle
Sun Jul 20, 2014 2:29 pm
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7619

Re: LED bulb prices

Well, two of my 90W PAR38 motion lights went out recently. I finally got convinced to climb up the ladder to change them (three stories up!). I had decided that now was a good time to jump into LEDs. Another 90W PAR38 halogen would run me $8/each while Costco had Feit "Weatherproof" PAR38 ...
by BrandonBogle
Sun Jul 20, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 118
Views: 15322
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