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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: 9
Views: 503

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: 21
Views: 1624

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: 160
Views: 35051

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: 91
Views: 10314

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: 865
Views: 337141

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: 1744

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: 1148

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: 1243

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: 1634

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: 1243

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: 1020

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: 1020

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: 1020

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: 473

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: 473

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: 473

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: 14129

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: 1150

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: 1150

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: 12
Views: 684

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: 2794

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: 12
Views: 684

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: 2808

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: 5868

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: 5675

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: 5868

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: 7385

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: 997

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: 997

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: 5907

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: 7385

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: 14617

Re: Apple TV

G operates in the 2.4GHZ band which is used by many gadgets. More interference = less speed. "Up to 54mbs" can be much lower. N operates in the 5.0GHZ band. N also add MIMO functionality. If you have 1 streaming device you won't notice much difference. We have 4 Roku 3. I can have all 4 H...
by BrandonBogle
Fri Jul 18, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Apple TV
Replies: 43
Views: 3787

Re: Apple TV

So you are saying a G and N router are both capable of streaming (1 or multiple) quality HD streams at the same level. Only the signal strength is better on an N router? Interesting. Very interesting. Yes. G can theoretically get up to 54 Mbps. Even if you only got 10% of that, it would be 5 Mbps a...
by BrandonBogle
Fri Jul 18, 2014 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Apple TV
Replies: 43
Views: 3787

Re: Apple TV

I have Amazon Prime but only by piggybacking on a family member's membership, so I believe only the primary Prime holder gets the free streams. That is indeed true. And if you were to become primary, you can still stream from your iPhone to the Apple TV using Amazon's Prime Video app. The Roku box ...
by BrandonBogle
Fri Jul 18, 2014 11:51 am
 
Forum: Personal Consumer Issues
Topic: Apple TV
Replies: 43
Views: 3787

Re: Apple TV

As a datapoint, I have an Apple TV for years and have had no problem with streaming Netflix and Hulu Plus on AT&T's 6 Mbps DSL service. Don't know about speeds lower than that. They offered a 3 Mpbs service, but given I work from home, the tv streaming, and we had Vonage (now Ooma), felt that 3 ...
by BrandonBogle
Fri Jul 18, 2014 9:14 am
 
Forum: Personal Consumer Issues
Topic: Apple TV
Replies: 43
Views: 3787

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

I put No because I went with the intent of your post even though I technically do have a car loan. I bought the car, negotiating solely on price, the then they offered me 0% financing instead of my $1.5k rebate in 2006. At the time, I had access to CDs paying 8% the first year, 7.x % the second year...
by BrandonBogle
Fri Jul 18, 2014 7:53 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7385

Re: NASA FCU 49 month CD special

Lululu, BoA hides your account from online banking when it's inactive. Wachovia mailed a notice to your statement address (even if you had online statements), Wells Fargo makes the account show up with red text. BoA bugs me the most. If you have two accounts, they look at each separately. At Wachovi...
by BrandonBogle
Sun Jul 13, 2014 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: NASA FCU 49 month CD special
Replies: 17
Views: 2847

Re: NASA FCU 49 month CD special

Anyone have customer experience with NASA FCU? NASA has a very easy process for establishing membership and purchasing CDs. Took me no more than a day to do the two online recently. The process is not bogged down with alot of manual intervention, which I read as an indication of the credit union's ...
by BrandonBogle
Fri Jul 11, 2014 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: NASA FCU 49 month CD special
Replies: 17
Views: 2847

Re: Online Ruin Rate Calculator

http://www.Fidelity.com Guidance and Retirement Retirement Planning Additional Resources/Retirement Calculators and Tools Retirement Income Planner Launch At this point, if you are not a Fidelity customer, they'll ask for your ID, and then you'll enter the questionnaire. Investments that are not sp...
by BrandonBogle
Thu Jul 10, 2014 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: Online Ruin Rate Calculator
Replies: 19
Views: 2228

Re: NASA FCU 49 month CD special

Anyone have customer experience with NASA FCU? I did not particularly care for them, but they weren't bad overall. In particular, I disliked that they a very "old fashioned" presence and while I could see my accounts online, I couldn't do anything online. Everything I had to write them ac...
by BrandonBogle
Thu Jul 10, 2014 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: NASA FCU 49 month CD special
Replies: 17
Views: 2847

Re: Munchies ?

Another thing we often do is put a bowl of frozen strawberries in the microwave for 20 seconds, add frozen cherries and blueberries, and microwave another 20 seconds. Then enjoy!
by BrandonBogle
Wed Jul 09, 2014 10:56 pm
 
Forum: Personal Consumer Issues
Topic: Munchies ?
Replies: 22
Views: 2112

Re: Erasing hard disk that have died

I thought it was more like a record player and to get anything useful you would have to move across the surface to get the individual "notes" of data to make the "song" make sense. I always get a different way of looking at things here. You can play an LP from a hi-resolution pi...
by BrandonBogle
Wed Jul 09, 2014 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Erasing hard disk that have died
Replies: 40
Views: 3404

Re: Windows 7 going the way of XP?

Perhaps we should consolidate with this existing thread?

Windows 7 free support will be ending in 2015
by BrandonBogle
Wed Jul 09, 2014 2:47 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 free support will be ending in 2015
Replies: 27
Views: 2313

Re: Toys for a Lazy Cat

One more thing is that I add water to the food as cats tend not to drink water. That must be a cat-by-cat thing. My cat loves water. We have two bowls in the house and one outside. After a shower she laps up puddles in the shower stall. After a rain she goes for the puddles on the driveway. It is p...
by BrandonBogle
Wed Jul 09, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Toys for a Lazy Cat
Replies: 46
Views: 2972

Re: Munchies ?

if not the popcorn suggestion, then bake butternut squash whole for 30 minutes, slice and dice, then bake another 30 minutes until dry/dryish. A healthy alternative to chips or potato wedges.
by BrandonBogle
Wed Jul 09, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: Munchies ?
Replies: 22
Views: 2112

Re: AAPL

I've been researching them, and as best I can tell they are kind of a no brainer if you are in my (our?) position, which is a desire to sell a stock anyway. If AAPL is currently at $95 and I know that I am planning on selling 100 shares when it hits 97, I may be able to make an extra $400-500 just ...
by BrandonBogle
Tue Jul 08, 2014 12:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 160
Views: 35051

Re: When do you "limit" saving and start to spend more?

Personally, I feel that you (not you personally, but the collective "you") set a reasonable number that will leave you comfortable in retirement. Then, regardless of if you decide to retire early or not, you have met your goal and thus do not need to "limit" savings. You have exc...
by BrandonBogle
Tue Jul 08, 2014 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: When do you "limit" saving and start to spend more?
Replies: 39
Views: 3979

Re: AAPL

airahcaz wrote:Have you looked into covered call options?


I have not. Anything beyond a long-term buy and hold is not permitted by my IPS as "too complicated to care about".
by BrandonBogle
Tue Jul 08, 2014 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 160
Views: 35051

Re: AAPL

AAPL is my only stock holding that I have a hard time trimming. All the others I hold are simply held because their capital gains are too high. AAPL is the same as I bought at $87-92/share before the latest split. When it was over $400, I sold half of my holdings to "make back" my money. I...
by BrandonBogle
Mon Jul 07, 2014 11:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 160
Views: 35051
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