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Re: New Homeowner Gift

My sister recently purchased a home in Little Elm, TX. I would like to purchase a gift for her, but I'm having trouble thinking of a gift. My budget is ~ $250. Besides a gift card from her local Home Depot, do you all have any ideas? A high-quality ladder. We received a Little Giant Ladder Systems ...
by BrandonBogle
Wed Mar 04, 2015 11:30 am
 
Forum: Personal Consumer Issues
Topic: New Homeowner Gift
Replies: 21
Views: 959

Re: "Americans Aren't Saving Enough for Retirement"

Building upon that, increase the limit to match the level that self-employed folks who own businesses can put away or equal to the amount that a pension plan would need to sock away per individual to replace 50-60% of gross income at retirement. Of course, that is never going to pass as it would re...
by BrandonBogle
Wed Mar 04, 2015 11:27 am
 
Forum: Investing - Theory, News & General
Topic: "Americans Aren't Saving Enough for Retirement"
Replies: 41
Views: 4000

Re: Costco/AmEx relationship ending. New Costco MasterCard?

On the other hand, when American Express acting as a card issuer cut a deal with Costco, it cuts out all it competing card issuers (like Cap One, etc) since AmEx owns its network exclusively. True except for AmEx exclusivity. I have a Fido Amex (issued by FIA a.k.a. BoA) and Citi AmEx that I've use...
by BrandonBogle
Wed Mar 04, 2015 1:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Costco/AmEx relationship ending. New Costco MasterCard?
Replies: 73
Views: 15163

Re: Costco/AmEx relationship ending. New Costco MasterCard?

kjvmike wrote:If I can get a 2% everywhere that's good for Costco too, I'll cut up most of the rest.


The Fido Amex pays 2% on all purchases into your Fido account (which can then immediately refund) at the end of each month that you have $50 in rewards accrued.
by BrandonBogle
Tue Mar 03, 2015 2:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco/AmEx relationship ending. New Costco MasterCard?
Replies: 73
Views: 15163

Re: Taylor Larimore Honored

Well deserved!! :sharebeer
by BrandonBogle
Mon Mar 02, 2015 9:32 pm
 
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 4345

Re: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Are you getting married, which would explain all of the "prep" work? :) It was a pleasure meeting you in 2014. Let's look forward to 2016. And here I was originally writing a longer message and thought "who would want all these details" and cut it all out for "prep-work&quo...
by BrandonBogle
Sun Mar 01, 2015 11:43 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 28
Views: 3160

Re: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT

For any first timers considering to go, DO IT! I was a first timer in 2014 and had a blast. Between meeting Jack, the various discussions, the panel Q&A, and meeting our fellow Bogleheads, it was a wonderful experience. Sadly, I have a wedding on Saturday, October 17th as well as preparation act...
by BrandonBogle
Sun Mar 01, 2015 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 28
Views: 3160

Re: Tesla S

airahcaz wrote:I'm sure most if not all $100K cass do not follow tight Boglehead values, but glad you went ahead and bought it "to live". You haven't "hit the bullet"?


I haven't bought/ordered on yer. Targeting April or May if I do because of various things I have coming up in March.
by BrandonBogle
Sun Feb 22, 2015 8:09 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 610
Views: 73608

Re: POD accounts only so how to pay deceased expenses?

Also, I would like to protect against any other expenses that unexpectedly show up over the next month or two which may be too late if they already received their 25% POD beneficiary share of the account. Given the details, there are no assets in the estate and you/the family has taken care of the ...
by BrandonBogle
Fri Feb 20, 2015 1:53 am
 
Forum: Personal Finance (Not Investing)
Topic: POD accounts only so how to pay deceased expenses?
Replies: 24
Views: 1809

Re: POD accounts only so how to pay deceased expenses?

Hopefully you find an estate solution, but have you spoken with your siblings about splitting these costs between them so each child is equally paying for mom's expenses?
by BrandonBogle
Thu Feb 19, 2015 11:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: POD accounts only so how to pay deceased expenses?
Replies: 24
Views: 1809

Re: POD accounts only so how to pay deceased expenses?

bpg, I am sorry to say I do not have advice to give you to help you. I do however wish to convey my condolences. I am sorry for your loss.
by BrandonBogle
Thu Feb 19, 2015 11:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: POD accounts only so how to pay deceased expenses?
Replies: 24
Views: 1809

Re: New Boglehead, Portfolio hopefully not off track

Hard to below so much has changed over two simple years. All the advice (investment and otherwise) I have learned from my fellow Bogleheads has been tremendous and really made me feel comfortable about retirement for the first time in my life. After meeting some of your at the 2014 Bogleheads Confer...
by BrandonBogle
Wed Feb 18, 2015 2:31 am
 
Forum: Investing - Help with Personal Investments
Topic: New Boglehead, Portfolio hopefully not off track
Replies: 40
Views: 4368

Re: Traveling by car - estimating costs

I agree with scifilover. Unless your personal car is a Jeep or truck that you don't like to drive on trips, why would you ever rent a vehicle to save a couple of bucks (assuming that were the case, which I doubt is true very often). I buy a car that I like, that I like driving. It has my stuff in i...
by BrandonBogle
Tue Feb 17, 2015 1:22 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by car - estimating costs
Replies: 28
Views: 1508

Re: Health Insurer, Anthem, Hacked

Ironically, I had no problem with Equifax and TransUnion, but Experian said the process failed and has asked me to mail in a copy of my ID and a local bill. Maybe because this is I put a Identity Theft alert on my credit report from Experian's site last week? They "shared" the info with Eq...
by BrandonBogle
Mon Feb 16, 2015 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Health Insurer, Anthem, Hacked
Replies: 99
Views: 8022

Re: Traveling by car - estimating costs

The simplicity of $0.575/mile sounds great to me! and I've figured about 40 to 50 cents per mile while the car is in good enough shape that I would take it on 1000 mile trips. That is with buying cheap cars and running them into the ground. No and no. You guys are thinking about the overall cost of...
by BrandonBogle
Mon Feb 16, 2015 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by car - estimating costs
Replies: 28
Views: 1508

Re: Traveling by car - estimating costs

retiredjg wrote:This might be helpful.

http://www.irs.gov/uac/Newsroom/New-Sta ... se-in-2015



The simplicity of $0.575/mile sounds great to me!
by BrandonBogle
Mon Feb 16, 2015 4:58 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by car - estimating costs
Replies: 28
Views: 1508

Re: Savings Rate Methodology

But these simulations cannot determine the outcome of future "events", so we must be wary of that. I calculate my savings rate from gross intake of funds as that is what the government taxes me on (one could argue deductions come after that and before the amount that is actually taxed but...
by BrandonBogle
Sun Feb 15, 2015 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings Rate Methodology
Replies: 22
Views: 1873

Re: Savings Rate Methodology

I was thinking about this today myself. I used (my savings + employer matching) / (gross income + employer matching) for my savings rate. For the dollar target of how much I need to withdraw at retirement, I used (gross salary - dollars saved in prior calculation) as my starting point. For instance,...
by BrandonBogle
Sun Feb 15, 2015 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings Rate Methodology
Replies: 22
Views: 1873

Re: Health Insurer, Anthem, Hacked

I, personally, never understand this way of thinking regarding "must be free". While I understand your general point, I will mention that you have no option to opt out of such data collection. Because of that, I do feel that a freeze on who can get to this collected information should be ...
by BrandonBogle
Sun Feb 15, 2015 12:26 pm
 
Forum: Personal Consumer Issues
Topic: Health Insurer, Anthem, Hacked
Replies: 99
Views: 8022

Re: Vanguard brokerage tax forms changed to late Feb. questi

livesoft wrote:How quickly each year that a brokerage gets you correct 1099s should be part of broker rankings.


This year, Vanguard (I'm a MF-only customer) sent me my 1099s in mid-January, TD AmeriTrade sent them at the end of January, and Wells Fargo sent mine on 2/11. Quite the range there!
by BrandonBogle
Sat Feb 14, 2015 10:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard brokerage tax forms changed to late Feb. question
Replies: 90
Views: 6198

Re: Tesla S

Conversely don't ignore the potential for a technological innovation, even one that appears to offer inferior performance, to disrupt an incumbent industry. Once it was seriously suggested that the use of the Apple Mac (the one with 128K of memory, I had a first Fat Mac (512k)) would be to index co...
by BrandonBogle
Sat Feb 14, 2015 9:48 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 610
Views: 73608

Re: Tesla S

An electric car would only save me significant money if I also sprung for solar panels, or if gas prices go through the roof. Though I doubt gas prices will remain this low for long, at the current price of ~$2.70/gallon and $0.27-0.31 per marginal kWh, an electric car wouldn't save me squat if cha...
by BrandonBogle
Fri Feb 13, 2015 5:42 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 610
Views: 73608

Re: Tesla S

Well, I set some financial goals I "must" meet before I can purchase and I am on track for that around April this year. I also have no issue buying one used, so I'm looking at around $60k-$75k depending on options. I bought my last car new for $30k and its 8.5 years old now, so I don't hav...
by BrandonBogle
Fri Feb 13, 2015 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 610
Views: 73608

Re: Tesla S

A lot of people here discouraged me from buying this car. "I have higher salary and more net worth than you and I would never consider spending that much on a car". Got a lot of comments like that in one thread. I bought it any way. :D No regrets and I have a blast every day when I get be...
by BrandonBogle
Fri Feb 13, 2015 9:25 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 610
Views: 73608

Re: Replacing a reliable Toyota

I so have to say my 2006 4Runner, bought new, is still on all original bulbs except for the headlights and interior lights that I explicitly changed to HID (headlights) and brighter LEDs (interior). Additionally, I can change my air filter in 3 minutes on my 4Runner and my cabin filter in less than...
by BrandonBogle
Fri Feb 06, 2015 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Replacing a reliable Toyota
Replies: 43
Views: 4053

Re: Replacing a reliable Toyota

Ever noticed how new(ish) Audi's sometimes have a light or two out? It's the small things that are a pain in general with VW/Audi - I know I had my fair share of lights/sensors go out over 10 years with the VW. Never had to change a single light or sensor in the Toyota over almost 11 years (Jinx). ...
by BrandonBogle
Fri Feb 06, 2015 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Replacing a reliable Toyota
Replies: 43
Views: 4053

Re: How much is a safe car worth?

It prevents low speed accidents but not many of them are going to be fatal ones. Well at least not for the person in the other car :) I don't know if it's part of Volvo City Driving, but the Volvo recognizes pedestrians and (the 2015.5) cyclists. Around us, and perhaps elsewhere, there are quite a ...
by BrandonBogle
Thu Feb 05, 2015 11:16 pm
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9017

Re: Health Insurer, Anthem, Hacked

MegaCorp uses Anthem. Should make for an interesting day. Hopefully they will have info available for us later today. I got the Anthem email. Thankfully, nothing popped up from my Target breach free monitoring yet!
by BrandonBogle
Thu Feb 05, 2015 9:49 am
 
Forum: Personal Consumer Issues
Topic: Health Insurer, Anthem, Hacked
Replies: 99
Views: 8022

Re: Approaching Roth IRA income limits

niceguy7376 wrote:
malabargold wrote:check into contributing to a tradional roth in the future


What is a traditional roth?


Given the context of the rest of the post, I'm rather sure malabargold meant Traditional IRA.
by BrandonBogle
Thu Feb 05, 2015 9:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Approaching Roth IRA income limits
Replies: 15
Views: 1275

Re: Approaching Roth IRA income limits

Here's what I've done the past couple of years. It might not be the most efficient, but it is possibly the easiest. I wait until mid-March of the following year to make the previous year's Roth contribution. That way, you know exactly what your tax situation is. You lose a relatively small amount o...
by BrandonBogle
Wed Feb 04, 2015 5:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Approaching Roth IRA income limits
Replies: 15
Views: 1275

Re: Approaching Roth IRA income limits

Thanks BrandonBogle . Yes, I haven't made contribution for 2015. I wanted to make monthly contribution to my IRA for this year. So, as you are suggesting to make a contribution to traditional IRA (non-deductible), then at the year end when I will rollover it to Roth IRA, I have to pay taxes on the ...
by BrandonBogle
Wed Feb 04, 2015 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Approaching Roth IRA income limits
Replies: 15
Views: 1275

Re: Approaching Roth IRA income limits

I'm also facing the same situation. I have a question regarding the 2nd option you mentioned. Assume I'm contributing max to non-deductible IRA now (at this moment, I'm eligible for Roth IRA) and rollover it to Roth IRA by this month. Then in June or December, if my pay raise or annual bonus trigge...
by BrandonBogle
Wed Feb 04, 2015 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Approaching Roth IRA income limits
Replies: 15
Views: 1275

Re: Replacing a reliable Toyota

I have a 2006 4Runner Sport 4WD V6 that I bought new and love it. Has always been super-reliable and never had any issues with it for the occasional snow run or trip into the snow (ski trips). That said, I will mention one thing. If it comes down to budget, I will say that any two-wheel drive (front...
by BrandonBogle
Mon Feb 02, 2015 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Replacing a reliable Toyota
Replies: 43
Views: 4053

Re: iphone upgrade dilemma

Additionally to my and others recommendation of separating the purchase of the phone vs. the contract, I would then take out the SIM on your 3GS phone, go to an AT&T store, and say you need a replacement SIM that fits your new phone. This should result in NO CHANGE to your plan. Apple will sell ...
by BrandonBogle
Fri Jan 30, 2015 11:09 pm
 
Forum: Personal Consumer Issues
Topic: iphone upgrade dilemma
Replies: 19
Views: 2255

Re: iphone upgrade dilemma

Honestly, I would be looking to buy a gentle used iPhone 5S and put that on your existing plan. If you want to explore other options, many of my friends recently decided to switch from AT&T to Cricket, which runs on AT&T's network. However, they were paying more than you, so that's a thought...
by BrandonBogle
Fri Jan 30, 2015 4:24 pm
 
Forum: Personal Consumer Issues
Topic: iphone upgrade dilemma
Replies: 19
Views: 2255

Re: POLL: Prepay car loan (1.75%)

I try not to borrow to buy a depreciating asset. So I'd pay it off. If you don't have a loan, you can raise your car insurance deductible and save on the premiums too. Agree on the sentiment, but the devil is always in the details, no? We are not necessarily talking about borrowing to afford buying...
by BrandonBogle
Fri Jan 30, 2015 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Prepay car loan (1.75%)
Replies: 29
Views: 1462

Re: POLL: Prepay car loan (1.75%)

Personally, I value the liquidity given the low rate. I have the same opinion about the 2.875% prepay mortgage thread. If the proceeds would instead go to a relatively-safe asset that could be liquidated quickly, I would put the money there instead (in my personal scenario, that is Vanguard's LT Mun...
by BrandonBogle
Fri Jan 30, 2015 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Prepay car loan (1.75%)
Replies: 29
Views: 1462

Re: Wells Fargo - no more 100 free trades (for new accounts)

Sounds to me that any WellsTrade account, existing or new, not currently part of the PMA package as of end of day 3/31 will NOT get free trades. This likely also means that if any existing account is pulled off the package and later gets re-added, it loses it's free trades. Other than if you sudden...
by BrandonBogle
Fri Jan 30, 2015 11:24 am
 
Forum: Investing - Theory, News & General
Topic: Wells Fargo - no more 100 free trades (for new accounts)?
Replies: 23
Views: 9686

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: 54
Views: 4262

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: 3850

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: 35
Views: 3875

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: 52
Views: 4086

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: 51
Views: 3624

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: 4404

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: 4404

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: 2945

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: 4404

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: 4404

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: 2945

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: 3106
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