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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: 529

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: 2543

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: 529

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: 2751

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: 65
Views: 4397

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: 5064

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: 65
Views: 4397

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: 7235

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: 983

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: 983

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: 5864

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: 7235

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: 13953

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: 3467

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: 3467

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: 3467

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: 3467

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: 7235

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: 2795

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: 2795

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: 2197

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: 2795

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: 2085

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: 3280

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: 2247

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: 2916

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: 2085

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: 156
Views: 34225

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: 3881

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: 156
Views: 34225

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: 156
Views: 34225

Re: Online will - is it worth the savings?

I am also interested in finding an attorney in South Florida to do my mom's will. It is very simple as it is "I, a single woman, leave everything to my only child." We went the online route two years ago. We STILL haven't found a notary that will notarized the "self-proving affidavit&...
by BrandonBogle
Mon Jul 07, 2014 8:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Online will - is it worth the savings?
Replies: 16
Views: 1526

Re: Kitchen Remodel - Appliance Brand/Model Recommendations

Valdeselad wrote:Thanks @BrandonBogle - I hadn't even considered Costco although we do have a membership. BTW, good luck with your remodel, hope everything goes well.


Thanks! I wish you the same. Sadly, hasn't been going too well, but it should finally be done later this month and I can put it behind me.
by BrandonBogle
Mon Jul 07, 2014 8:00 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 47
Views: 3123

Re: Homeowner responsibility for water service line

Odd. The next street down they had to replace the water line leaking at the meter. The water company (or maybe the city) repaired the road, his curb, the part of the driveway they ripped up, and replanted grass (not sod though). Maybe it's a local thing for us. At my mom's house in South Florida, th...
by BrandonBogle
Mon Jul 07, 2014 7:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Homeowner responsibility for water service line
Replies: 45
Views: 2057

Re: Kitchen Remodel - Appliance Brand/Model Recommendations

Op, I am in the middle of a kitchen remodel myself (I guess a small one? Kitchen + whole house popcorn ceiling removal and painting = $30k). However, I've been doing my appliances "as I go". I ended up with all Maytags, but that is just how it turned out to be. Each piece was bought in a d...
by BrandonBogle
Mon Jul 07, 2014 7:16 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 47
Views: 3123

Re: Not just cooling

This is really where we struggle...is the Sub-Zero fridge... worth the price premium?? For me, it about being "built-in". All built-in fridges are expensive. I HATE having the fridge stick out. I guess much of that depends on your floor plan and layout. In my current and previous two hous...
by BrandonBogle
Mon Jul 07, 2014 7:08 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 47
Views: 3123

Re: Homeowner responsibility for water service line

Abe's description is how it works in my area. As to the other poster, I will guess what they mean. (1) If my water company had to repair their side of the meter, for instance from the main line through my driver to my meter, they would repair customer and public property they destroyed to repair the...
by BrandonBogle
Mon Jul 07, 2014 6:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Homeowner responsibility for water service line
Replies: 45
Views: 2057

Re: IRS limits direct deposts of refunds to fight Identity T

Just one more reason not to manage your withholding or estimates to generate refunds. You might have problems receiving your refund not to mention your interest free loan to the IRS. Best scenario is to owe the IRS just a small amount that will avoid all underpayment penalties. Some states have had...
by BrandonBogle
Mon Jul 07, 2014 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS limits direct deposts of refunds to fight Identity Theft
Replies: 25
Views: 3343

Re: IRS limits direct deposts of refunds to fight Identity T

Having been through this: http://www.bogleheads.org/forum/viewtopic.php?f=2&t=137740 I think they need to figure a better way to analyze changes from year to year and root out suspicious patterns. I similarly agree. Mom was scammed and they sent out the refund in days. When we filed, it was rej...
by BrandonBogle
Mon Jul 07, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS limits direct deposts of refunds to fight Identity Theft
Replies: 25
Views: 3343

Re: JP Morgan botched 401k distribution

Update -- much to my surprise, the BBB complaint I filed actually yielded results. I just got a call from someone who said they could nullify the distribution and return all the money to my account. They confirmed that the person I initially spoke to was in error when he said the plan allowed distr...
by BrandonBogle
Mon Jul 07, 2014 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: JP Morgan botched 401k distribution
Replies: 36
Views: 2308

Re: Homeowner responsibility for water service line

Two years ago my home in NC had a water leak after the meter/shutoff, but before coming inside the house. Sadly, the meter/shutoff was in the driveway, requiring a partial rip out and new concrete coming in. Cost me $3k for everything -- including repairing the driveway and boring a new line up to t...
by BrandonBogle
Mon Jul 07, 2014 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Homeowner responsibility for water service line
Replies: 45
Views: 2057

Re: JP Morgan botched 401k distribution

The distribution amount was $1495 ($1176 pre-tax, $293 matching, $26 after-tax), while the check was only for $1127 (exact composition unknown). Can I only roll over $1127 to an IRA, or can I roll over the entire $1495, using my own funds to make up the difference, and hopefully get back the "...
by BrandonBogle
Mon Jul 07, 2014 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: JP Morgan botched 401k distribution
Replies: 36
Views: 2308

Re: How to admit/should I admit alcohol problem to employer

Diddler, Should you come to the Bogleheads Conference and should you decide to "expose" yourself rather than remain anonymous (and this is by NO MEANS asking you to), I believe you will find a support community that would be more than happy to see how you are doing on the road to recovery ...
by BrandonBogle
Sun Jul 06, 2014 7:23 am
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 97
Views: 10395

Re: How to admit/should I admit alcohol problem to employer

The bad news? Most alcoholics fail in their recoveries. The OP should not give up if he fails the first time. My family member failed numerous times before he finally succeeded. And let us not forget that the Op has made a significant step already. The thought process that led to this decision and ...
by BrandonBogle
Sun Jul 06, 2014 7:19 am
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 97
Views: 10395

Re: What to do with old Macbook Pro?

I inherited a 2009 13" MBP from a friend last fall. It is a good machine and still did everything I wanted to. I did upgrade its RAM to a full 8 GB when I got it and last month I swapped out its hard drive for an SSD drive. Gave the machine a new life. I anticipate at least two more good years ...
by BrandonBogle
Fri Jul 04, 2014 12:23 pm
 
Forum: Personal Consumer Issues
Topic: What to do with old Macbook Pro?
Replies: 24
Views: 1796

Re: Caught in the IRS fraud mess

placeholder wrote:Update - I received a refund check for the correct amount.


I am really happy to hear that this went MUCH easier and faster for you than it did with my mom. Congrats!
by BrandonBogle
Thu Jul 03, 2014 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Caught in the IRS fraud mess
Replies: 24
Views: 5864

Re: Bad paint job - Course of action help pls

Hope the OP finds resolution. I'd go with a new crew and fire the designer. It sounds like the designer is the PM, but isn't acting like it. IMHO, if I hired a designer it would be because I don't have the time, skills, or patience to deal with the design and would expect the designer to handle all...
by BrandonBogle
Thu Jul 03, 2014 11:24 am
 
Forum: Personal Consumer Issues
Topic: Bad paint job - Course of action help pls
Replies: 28
Views: 2539

Re: How to admit/should I admit alcohol problem to employer

I am an alcoholic, and have reached a bit of a "breaking point". I get drunk most evenings and usually show up to work quite hung over. I get away with it since the nature of my job only involves being in the office half of the time with a lot of "solo" work. I need help to kick...
by BrandonBogle
Wed Jul 02, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 97
Views: 10395

Re: JP Morgan botched 401k distribution

Is this an ERISA problem at any rate I would let the plan administration know you are planning to follow up with official complaints with the relevant regulatory bodies BUT do this after you get a copy of the plan documents and the forms you filed. What is his complaint? Plan administrator must fol...
by BrandonBogle
Mon Jun 30, 2014 5:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: JP Morgan botched 401k distribution
Replies: 36
Views: 2308

Re: Bad paint job - Course of action help pls

It sounds like you have a very poor designer who doesn't have any experience in remodels. To advise you to go ahead without a written estimate or contract - shame on you and her. I was also going to point out that the designer carries some of the blame for the poor paint job. It sounds like you del...
by BrandonBogle
Mon Jun 30, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Bad paint job - Course of action help pls
Replies: 28
Views: 2539
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