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Re: Tesla S

flyingaway wrote:Today, you can summon a taxi to your driveway, or a rental car to your driveway on demand.


That depends on where you live - maybe you can, but I can't get a rental car dropped off to my house at the top of the hills.
And at most hours of the night, taxis will not come either.
by madbrain
Sat Oct 25, 2014 6:28 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 553
Views: 60273

Re: Tesla S

"so I found myself driving for 1.5 to 2.5 hours then stopping for 45 minutes to an hour to charge the car." This actually sound miserable to me. I would think the newness of the car/toy (meant in the best sense of the word) and your first time being in those particular locations added qui...
by madbrain
Sat Oct 25, 2014 6:25 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 553
Views: 60273

Re: Tesla S

I think that ownership model will change with the advancement of self-driving car technology. I mean, what do cars do most of the day? They just sit there, parked, doing nothing. I'm a big car fan, but I'll be the first to admit that they are a waste of money, too. When the technology gets to the p...
by madbrain
Sat Oct 25, 2014 6:24 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 553
Views: 60273

Re: Fidelity AMEX chip EMV cards

People will need a PIN, adoption of tokenization (a form of virtual card number linked to acct, specific to each merchant), a mobile account,,or some other authentication mechanism to confirm the right person is using the card on both sides. This is not yet fully agreed by the banks, merchants, pro...
by madbrain
Sat Oct 25, 2014 4:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity AMEX chip EMV cards
Replies: 5
Views: 338

Re: Fidelity AMEX chip EMV cards

How do chip cards work for online use? They don't so far, really. The chip part is not used online, because the software & hardware to interface with the chip is not generally available on most computers/phones/tablets. Old magstripe cards have that 3-digit extra number printed on the back that...
by madbrain
Sat Oct 25, 2014 4:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity AMEX chip EMV cards
Replies: 5
Views: 338

Re: Phone for Europe trip

It is cheaper to make calls to Europe or USA using my USA T-mobile phone than to use a local phone with minutes. Also, there is no additional charge to use T-mobile text or data plan overseas. This depends on the plan. Not all T-Mobile plans are like this. Only the newer "Simple Choice" p...
by madbrain
Sat Oct 25, 2014 2:34 am
 
Forum: Personal Consumer Issues
Topic: Phone for Europe trip
Replies: 22
Views: 1002

Re: Fidelity AMEX chip EMV cards

FYI, I specifically called FIA about a year ago to have the EMV chip added to both my Fidelity Amex and Fidelity VISA. Both cards got compromised the old fashioned way, with number, several times since then. I don't know how. Every time this happens, FIA first send a new card with a new number witho...
by madbrain
Sat Oct 25, 2014 2:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity AMEX chip EMV cards
Replies: 5
Views: 338

Re: Best health insurance plan for a bad year (cancer)?

It sounds like she is basically guaranteed to hit her out of pocket maximum next year. That is far from a given, the way the OP framed things. *If* plan #1 really pays 100% of "nearly all in-network services", and that includes the surgery and the cancer drugs, then there may not be much ...
by madbrain
Sat Oct 25, 2014 1:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Best health insurance plan for a bad year (cancer)?
Replies: 12
Views: 498

Re: Best health insurance plan for a bad year (cancer)?

Bogleheads, I would appreciate your advice on choosing a health insurance plan. My sister was just diagnosed with cancer and will be undergoing surgery and ongoing drug treatment 2015. Her prognosis is good, fortunately. It is open season for her health insurance at work and I'm reviewing the optio...
by madbrain
Sat Oct 25, 2014 1:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Best health insurance plan for a bad year (cancer)?
Replies: 12
Views: 498

Re: Would You Sell Or Continue Renting Out My Condo?

madbrain, if I understood your post correctly, you way overpaid your taxes. I estimate your Federal tax to be about $3k plus maybe $1k in state tax. If you paid $10k due to the sale of the residence, then that $50 tax program cost you a ton of money. The program is only as good as the accuracy of t...
by madbrain
Fri Oct 24, 2014 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would You Sell Or Continue Renting Out My Condo?
Replies: 11
Views: 1058

Re: Do you regret buying your home?

As a lifelong renter, I've often wondered about this: 80 percent of homebuyers have at least one major regret about their new home, according to a recent HSH.com survey of 2,000 U.S. adults at least 25 years old and in possession of a driver's license. Only 20 percent of respondents said they had n...
by madbrain
Thu Oct 23, 2014 8:30 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 66
Views: 4481

Re: IBM: Stock Buybacks Gone Wrong?

Nowhere in all of Warren Buffett's text do I see any mention of whether he thinks IBM is continuing to make good products or provide good services . Maybe he takes it for granted. Or maybe he just has no clue about tech and doesn't want to look foolish by trying to talk about the tech products/serv...
by madbrain
Thu Oct 23, 2014 8:16 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 3781

Re: EverBank

I like them and I still have an account, though it's not my primary one anymore. I really like the scanner check deposits, which almost no one else offers . They also offer mobile deposits, but I find the scanner to be a faster and more convenient process. You can also get your ATM withdrawal limit ...
by madbrain
Thu Oct 23, 2014 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: EverBank
Replies: 8
Views: 970

Re: Forbes Article On Active vs Passive Investing

Taylor, I just got done reading/browsing the latest print edition of Forbes I received yesterday. I find there is a certain humoristic value in it, especially in Steve Forbes' editorials, for how wrong and misguided they are. They are getting a bit predictable lately, though. Madbrain: Bogleheads Me...
by madbrain
Thu Oct 23, 2014 7:47 pm
 
Forum: Investing - Theory, News & General
Topic: Forbes Article On Active vs Passive Investing
Replies: 35
Views: 3696

Re: Would You Sell Or Continue Renting Out My Condo?

Hmm so you're saying that if I rent it out for two years and lived in it for 3 before that I would only get a capital gains tax exclusion of (3/5)*250k = 150k? I don't think that's right from what I've been reading. I thought all you had to do was live 2 out of the past 5. If I lived 1 out of the p...
by madbrain
Thu Oct 23, 2014 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would You Sell Or Continue Renting Out My Condo?
Replies: 11
Views: 1058

Re: Forbes Article On Active vs Passive Investing

Nonsense articles like this are what caused me to not renew my Forbes subscription years ago. I just got done reading/browsing the latest print edition of Forbes I received yesterday. I find there is a certain humoristic value in it, especially in Steve Forbes' editorials, for how wrong and misguid...
by madbrain
Thu Oct 23, 2014 5:44 am
 
Forum: Investing - Theory, News & General
Topic: Forbes Article On Active vs Passive Investing
Replies: 35
Views: 3696

Re: Would You Sell Or Continue Renting Out My Condo?

I will owe around 205k next summer so if I sell at that time for 375k (minus 6% of 375k for realtor fees = 352.5) that would leave me with 147.5k in cash (352.5 - 205k). So I'm making around 5.7% on this idle cash (my equity) in a best case scenario, but likely there will be expenses so I'd say the...
by madbrain
Thu Oct 23, 2014 2:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Would You Sell Or Continue Renting Out My Condo?
Replies: 11
Views: 1058

Re: Don't auto-renew your ACA plan, shop around

True, out of network coverage has always been an issue with HMOs. It wasn't until the ACA however that it became impossible to buy individual PPO coverage in my state - both the exchange plans and off exchange plans are all now HMOs. Yes, that's a bit strange that the PPOs would no longer be offere...
by madbrain
Thu Oct 23, 2014 1:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Don't auto-renew your ACA plan, shop around
Replies: 16
Views: 1188

Re: US Chip & Signature --> Chip & PIN 2020

Apple pay with single use numbers seem to be a winner to me. Here is one case where Apple may prove to have more marketing clout than Google in a very important way. Google Wallet which has been around for 3 years uses the single use number concept over NFC just as Apple Pay does. For one reason or...
by madbrain
Thu Oct 23, 2014 12:14 am
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1290

Re: Don't auto-renew your ACA plan, shop around

Emergencies tend to be covered, yes. OK, so now we are talking about a different risk altogether than what you originally said. However, I'm not thinking of accidents like that (which are rare). I'm more worried that I go in for some serious procedure and a second out of network doctor gets called ...
by madbrain
Thu Oct 23, 2014 12:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Don't auto-renew your ACA plan, shop around
Replies: 16
Views: 1188

Re: Don't auto-renew your ACA plan, shop around

Tanelorn, If event X leads to a bill/judgment for $ZZZ that will bankrupt you or destroy your life's savings (and potentially much of your future earning power), it seems like X is a perfect example of what to buy insurance for. ... In my case, ironically no ACA plan provides insurance against the o...
by madbrain
Wed Oct 22, 2014 11:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Don't auto-renew your ACA plan, shop around
Replies: 16
Views: 1188

Re: Don't auto-renew your ACA plan, shop around

Are the off exchange plans required to meet any of the new ACA criteria, such as no lifetime max, certain wellness care, etc.? Although some of the criteria are useless for some (pediatric dental) it seems that is an ACA criteria? If off exchange plans don't have to meet it, is there a list of the ...
by madbrain
Wed Oct 22, 2014 11:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Don't auto-renew your ACA plan, shop around
Replies: 16
Views: 1188

Re: Don't auto-renew your ACA plan, shop around

If event X leads to a bill/judgment for $ZZZ that will bankrupt you or destroy your life's savings (and potentially much of your future earning power), it seems like X is a perfect example of what to buy insurance for. ... In my case, ironically no ACA plan provides insurance against the only bad e...
by madbrain
Wed Oct 22, 2014 11:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Don't auto-renew your ACA plan, shop around
Replies: 16
Views: 1188

Re: US Chip & Signature --> Chip & PIN 2020

helix wrote:Maybe it is just me, but Chip & Signature seems much more convenient (no need to remember an additional PIN for each CC)


I think that's the main reason US card issuers are resistant. Any PIN change means the card must be manufactured again.
by madbrain
Wed Oct 22, 2014 10:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1290

Re: US Chip & Signature --> Chip & PIN 2020

I wonder why they are dragging their feet.. On the chip part, the US has been dragging their feet because of the cost to buy new readers. On the PIN part, I think it's the card issuers. I grew up in France, and I had one bank card with a chip, on the "carte bleue / VISA" networks, which I...
by madbrain
Wed Oct 22, 2014 10:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1290

Re: Don't auto-renew your ACA plan, shop around

There are apparently two ways to renew - an easy "same as last year" version, and a full "redetermination" where you're basically looked at as a new customer. The issue and deceptive part, IMO, is that the easy version will quote you the same advanced subsidy credit as you had i...
by madbrain
Wed Oct 22, 2014 10:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Don't auto-renew your ACA plan, shop around
Replies: 16
Views: 1188

Re: How did you buy your largest home?

Here is how I did it. I bought a $228k townhome in 1997, with $173k in mortgage, around 7.5%, at the age of 21, with zero existing credit history (I kept getting denied for credit cards). By 2010 (and after mani refis) I had the mortgage down to about $100k, and the townhome value was assessed in th...
by madbrain
Wed Oct 22, 2014 9:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you buy your largest home?
Replies: 22
Views: 2146

Re: Unlocking My Phone Blues

NO SERVICE! Drats! The clerk told me my phone was locked and I would be able to use the phone until it was unlocked and if I can't get it unlocked, Is that the actual message you received on the phone ? Usually, you would receive some sort of "invalid SIM card" message, or "SIM locke...
by madbrain
Wed Oct 22, 2014 8:48 pm
 
Forum: Personal Consumer Issues
Topic: Unlocking My Phone Blues
Replies: 3
Views: 417

Re: Don't auto-renew your ACA plan, shop around

The real danger comes from the fact that if you aren't on the benchmark plan, you're on the hook for the entire difference in premiums even if your income is quite low. Are you saying that it's possible to auto-renew your ACA plan without having any idea what your premium and subsidy will be for th...
by madbrain
Wed Oct 22, 2014 8:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Don't auto-renew your ACA plan, shop around
Replies: 16
Views: 1188

Re: IBM: Stock Buybacks Gone Wrong?

So I should sell my IBM stock? And take my profit? A quick search shows IBM beating the S&P over the last 10 years. Even with its recent fall. "Past performance is no guarantee of future results". Brilliant response. People are saying IBM's buyback program didn't work. Seems to me it ...
by madbrain
Wed Oct 22, 2014 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 3781

Re: IBM: Stock Buybacks Gone Wrong?

Another important aspect is the divestitures (reverse acquisition) they've done, like getting rid of PC's and servers to Lenovo, which yielded them some cash, but even paying $1.5B for GlobalFoundries to take over their fabs is the complete opposite of a merger and acquisition. It's realizing that ...
by madbrain
Wed Oct 22, 2014 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 3781

Re: IBM: Stock Buybacks Gone Wrong?

So I should sell my IBM stock? And take my profit? A quick search shows IBM beating the S&P over the last 10 years. Even with its recent fall. "Past performance is no guarantee of future results". OP: Just my attempt at answering a rhetorical question here. What percentage of your por...
by madbrain
Wed Oct 22, 2014 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 3781

Re: IBM: Stock Buybacks Gone Wrong?

Do large acquisitions work for tech cos? Having been working a couple of decades at large tech cos in Silicon Valley, and witness the integration process of many acquisitions, I would say that overall, they are very challenging. Best case, the acquirer will take advantage of part of the technology/...
by madbrain
Wed Oct 22, 2014 6:25 am
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 3781

Re: IBM: Stock Buybacks Gone Wrong?

Since they have been consistently doing buybacks, they must have concluded that their stock was consistently undervalued for more than a decade and was always a good investment. They were probably right some of the time but I suspect that there were other motives at work. It would be surprising if ...
by madbrain
Wed Oct 22, 2014 4:23 am
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 3781

Re: IBM: Stock Buybacks Gone Wrong?

bru wrote:So I should sell my IBM stock? And take my profit?

A quick search shows IBM beating the S&P over the last 10 years. Even with its recent fall.


"Past performance is no guarantee of future results".
by madbrain
Tue Oct 21, 2014 11:02 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 3781

Re: IBM: Stock Buybacks Gone Wrong?

Read Cringely's book. As I understand it, Cringely is saying that buybacks didn't cause it, but the mentality that focussed on raising earnings to $20/share to the exclusion of everything else assuredly did. I will, the book seems interesting. I almost worked for IBM in the mid to late 1990s. I'm s...
by madbrain
Tue Oct 21, 2014 11:01 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 3781

Re: IBM: Stock Buybacks Gone Wrong?

Companies can also go out of business if "Customers no longer trust [them] to manage projects well, get the projects finished, or have the projects work as promised." That part of it matters, too. Yes, really, it does. Absolutely, but I'm not sure stock buybacks are directly responsible f...
by madbrain
Tue Oct 21, 2014 10:15 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 3781

Re: IBM: Stock Buybacks Gone Wrong?

Nothing at all wrong with buying back your stock. It depends on your alternative investments, internally and externally. Its not usually done to prop the stock price up directly. Indirectly this happens because if done properly it increases earnings per share over time. Why is it done at all if not...
by madbrain
Tue Oct 21, 2014 10:05 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 3781

Re: IBM: Stock Buybacks Gone Wrong?

TJSI wrote:Buybacks are often a sign that the days of even moderate growth are over.


The same can often be said for the institution and large increases of dividends.
by madbrain
Tue Oct 21, 2014 9:58 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 3781

Re: need new microwave - what happened to Sharp?

LG (the worst!) Interesting. I would not have believed it was possible for anyone to make an appliance that would rank worse than GE. jimb I have experience with an LG dishwasher and can say that it was worse than a GE dishwasher as well. Avoid. I have had multiple failures with LG optical drives (...
by madbrain
Tue Oct 21, 2014 8:21 pm
 
Forum: Personal Consumer Issues
Topic: need new microwave - what happened to Sharp?
Replies: 15
Views: 1596

Re: selling RSU immediately

For me, having the wife mad at me for a few months is probably worse than losing the money, but the combination of math (risk), history, and happy wife lead me to only one conclusion if I were in your situation...Sell the RSUs! lol, point made. will sell. RVD. Well, that's one point of view :) I do...
by madbrain
Tue Oct 21, 2014 8:18 pm
 
Forum: Investing - Theory, News & General
Topic: selling RSU immediately
Replies: 21
Views: 1914

Re: Why I won't have bond funds

And I don't share her pessimism about the junk bonds. Junk bonds are actually less vulnerable to interest rate risk than safer, lower-yield bonds. What makes them risky is not the interest rate risk, but the credit risk. . The author was talking about liquidity risk, I believe, as a rather big prob...
by madbrain
Tue Oct 21, 2014 8:04 pm
 
Forum: Investing - Theory, News & General
Topic: Why I won't have bond funds
Replies: 47
Views: 6217

Re: "I've had it" at work - how often

For example, meetings are usually scheduled in the morning, during the very hours when one could be working on his most challenging projects. Indeed - I reserve morning hours for sleep, and that is a very challenging task. You could sleep during a meeting. Many people do, especially if it's a telec...
by madbrain
Tue Oct 21, 2014 7:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12326

Re: "I've had it" at work - how often

For example, meetings are usually scheduled in the morning, during the very hours when one could be working on his most challenging projects. Victoria If one works for a company that has global operations, meetings have to be in the morning. Its almost time for them to go to bed when we get up. I w...
by madbrain
Tue Oct 21, 2014 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12326

Re: "I've had it" at work - how often

VictoriaF wrote:For example, meetings are usually scheduled in the morning, during the very hours when one could be working on his most challenging projects.


Indeed - I reserve morning hours for sleep, and that is a very challenging task.
by madbrain
Tue Oct 21, 2014 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12326

Re: selling RSU immediately

My only slight hesitation to this is that over the years I would meet people who work at high flying companies (think AAPL, GOOG, AMZN, TSLA, etc.) and would think to myself "wow, you've been working there for 15 years...the stock that you have must be great" And the flip side of that is,...
by madbrain
Tue Oct 21, 2014 7:15 am
 
Forum: Investing - Theory, News & General
Topic: selling RSU immediately
Replies: 21
Views: 1914

Re: Risk in a high dividend stock portfolio

It's a really stupid idea.
by madbrain
Tue Oct 21, 2014 6:59 am
 
Forum: Investing - Theory, News & General
Topic: Risk in a high dividend stock portfolio
Replies: 19
Views: 1946

Re: Why I won't have bond funds

I wonder what kind of crystal ball the author has. And I don't share her pessimism about the junk bonds. Junk bonds are actually less vulnerable to interest rate risk than safer, lower-yield bonds. What makes them risky is not the interest rate risk, but the credit risk. If interest rates go up, thi...
by madbrain
Tue Oct 21, 2014 6:49 am
 
Forum: Investing - Theory, News & General
Topic: Why I won't have bond funds
Replies: 47
Views: 6217

Re: Does your ROTH hold risky or stable items?

My Roth IRA is 100% junk bonds (Vanguard High Yield admiral) and my husband's is 100% junk bonds as well (Fidelity high income, SPHIX). While these are usually considered risky assets, I'm not really seeing that much price movement. Quicken shows the peak value for these junk bonds was the week of 8...
by madbrain
Tue Oct 21, 2014 6:32 am
 
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 56
Views: 3372

Re: US REITs: An Expanding Market

Actually I have seen Die Hard (the one with Bruce Willis, not John Bogle ;-)), and you have lots of tall buildings in downtown LA (and San Francisco) ;-). Or in an analogous tectonic zone, Tokyo has plenty of very tall buildings. There *is* a resistance to building new tall structures that there is...
by madbrain
Mon Oct 20, 2014 8:23 pm
 
Forum: Investing - Theory, News & General
Topic: US REITs: An Expanding Market
Replies: 29
Views: 3995
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