Search found 1449 matches

by BrandonBogle
Sat Jun 18, 2016 10:19 pm
Forum: Personal Consumer Issues
Topic: Need advice ..Lexus battery fails when car is not driven 24 hrs
Replies: 87
Views: 4899

Re: Need advice ..Lexus battery fails when car is not driven 24 hrs

Next they use the ammeter. With the car completely off for over an hour, they connect the ammeter inline with one battery terminal. This shows if any device on the car is using power while it's off. The reading should be no more than a few milliamps for keeping security systems, clocks, etc owered....
by BrandonBogle
Sat Jun 18, 2016 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: New Fidelity Visa: How to Log In?
Replies: 17
Views: 1945

Re: New Fidelity Visa: How to Log In?

I got my new Elan Fidelity Visa yesterday. There doesn't appear to be a log in address. And the old log in still only shows the old account. Will the new account appear there, at some point, or am I missing something? Both my old and new one show up on my Fidelity page. The first time I clicked on ...
by BrandonBogle
Sat Jun 18, 2016 9:32 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34421

Re: [Fidelity drops AmEx, Bank of America credit cards]

Got my card yesterday (Friday) and Fidelity and Elan did a good job keeping the look and feel. The same bright green look and barely noticeable that its a different card (basically just the Visa logo instead of Amex and of course the card number). I see both accounts on my Fidelity page and already ...
by BrandonBogle
Tue Jun 14, 2016 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Didn't Pay Off the Mortgage Today
Replies: 85
Views: 8424

Re: Didn't Pay Off the Mortgage Today

I'm in my early 30s, have a 2.875% 30-year mortgage (24.5 years left), am in the 25% bracket for now, can fully deduct my mortgage interest (I easily have enough to make itemization worthwhile), and max out my 401k and IRAs annually. If I focused on paying off my mortgage early, I could not maximize...
by BrandonBogle
Mon Jun 13, 2016 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34421

Re: [Fidelity drops AmEx, Bank of America credit cards]

Do you think that Fido switching to the Elan Visa is an intentional strategy to keep the credit card volume for purchases at Costco, now that Costco is switching to a Visa card? Fido should know exactly how much of its card volume was spent with Costco...... The timing of Fido's change seems too cl...
by BrandonBogle
Fri May 13, 2016 8:00 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34421

Re: [Fidelity drops AmEx, Bank of America credit cards]

If you have an existing legacy card (e.g. from MBNA with 1.5% rebate), then you might not be getting a 2% replacement card from Elan. "Q: Will there be any change to my current cash back percentage or rewards? A: Your cash back percentage will be the same as it is today. Your new credit card w...
by BrandonBogle
Thu May 12, 2016 10:38 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34421

Re: [Fidelity drops AmEx, Bank of America credit cards]

I got my notice in the mail today that I would soon be getting the Elan card. I actually had not been aware of this change. Personally, while I loved MBNA back in the day, I have been less than happy with how BoA manages it. And like others, this card seems to get replaced very often due to proactiv...
by BrandonBogle
Sun May 01, 2016 5:05 pm
Forum: Personal Consumer Issues
Topic: 4 Days in Iceland - May 2016
Replies: 41
Views: 3889

Re: 4 Days in Iceland - May 2016

D day is approaching. Just to confirm, should I even bother taking out cash at an ATM? I'd rather not. Also, do you tip in Iceland? I spent a week in Iceland at the end of March, traveling via a rental car all around (1,100 km). The only two times where cash was needed vs. credit was at the old chu...
by BrandonBogle
Sat Apr 02, 2016 3:42 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 20274

Re: Tesla Model 3 anyone?

Big Dog wrote:
So did anyone register today?


You bet. Reserved two


Me too!
Image
by BrandonBogle
Thu Mar 24, 2016 12:43 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 20274

Re: Tesla Model 3 anyone?

I don't need to spend $120k to go from Point A to Point B. I can listen to the radio and drive myself fairly mindlessly now. I just wanted to note that it need not cost $120k. Mine cost $60k for the S85 (265 mile range) and I know someone else who paid $60k as well for an S85 with AutoPilot. I know...
by BrandonBogle
Thu Mar 24, 2016 12:40 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 20274

Re: Tesla Model 3 anyone?

You might be surprised. On full AutoPilot, driving the Tesla in commute traffic is much more relaxing, since it does all the stop and go or slow and go without you having to touch any pedal, and barely touch the steering wheel. Using AP in traffic makes driving in traffic kind of fun. Kevin Do you ...
by BrandonBogle
Wed Mar 23, 2016 11:25 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 20274

Re: Tesla Model 3 anyone?

I'll be putting down the deposit for a 3. I love my S, but without kids, there is no need for two; plus, while I like the bigger S, the 3 would replace the Lexus IS, so a smaller car is preferred.
by BrandonBogle
Fri Feb 26, 2016 3:36 pm
Forum: Investing - Theory, News & General
Topic: 2016 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 116
Views: 16179

Re: 2016 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Darnit!! I had March 1st on my calendar to look at this and I just pulled it up after getting home today (before flying out tomorrow). Add me to the wait list please! I hope I can make it this year after such a great experience two years ago (and missing out last year due to a friend's wedding). If,...
by BrandonBogle
Wed Dec 16, 2015 10:19 pm
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 232
Views: 35176

Re: Tesla X

For the charging discussion... I had my S for 9k miles charging on 120v (4 mph, 36-ish overnight). Coupled with Supercharging for trips, not bad. It was inconvenient working around it. I've had 240v/40amp charging and that is plenty fast for my charging overnight and the few top-offs, after an hour ...
by BrandonBogle
Thu Sep 17, 2015 10:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard updates frequent-trading policy
Replies: 60
Views: 6778

Re: Vanguard updates frequent-trading policy

It's a non-issue for me. The one time I hit this when rebalancing and then next month making my quarterly purchase (at a broker), I just dealt with the delay and didn't worry. After that, I just switched to using the ETF-class of the same funds. Prevented me from worrying about this. Glad it helps s...
by BrandonBogle
Sun Aug 09, 2015 10:20 am
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 13451

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

Why is "no more phone subsidies" good news? Because the current system forces you to pay for a new phone even if you don't want or need one. That's not entirely true. Actually, it is entirely false. If you stayed with Verizon after contract expiration. There is a $15 discount/line if your...
by BrandonBogle
Sun Aug 09, 2015 8:54 am
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 13451

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

I've been with VZW for about 15 years now, but I'm seriously thinking of jumping over to Cricket (AT&T MVNO). I pay $160/mo for two iPhones, one w/ unlimited data and the other with 2 GB. The last few times I would re-up my unlimited line's contract by funneling it through the 2 GB line. But if ...
by BrandonBogle
Mon Jul 27, 2015 7:39 am
Forum: Personal Consumer Issues
Topic: Does a 6.5 kW Solar install make sense?
Replies: 29
Views: 3693

Re: Does a 6.5 kW Solar install make sense?

What is the incentive cap ? Is it a fixed $ cap ? Sounds to me like this installer is more concerned about pocketing the incentive than providing you a suitable cost-effective system. 35% of total system and installation cost, up to $10.5k tax incentive payback by NC. So the system should cost no m...
by BrandonBogle
Sun Jul 26, 2015 10:57 pm
Forum: Personal Consumer Issues
Topic: Does a 6.5 kW Solar install make sense?
Replies: 29
Views: 3693

Re: Does a 6.5 kW Solar install make sense?

Your home uses quite a bit of electricity I would suggest a comprehensive review of how that usage could be cut. This would include a look at appliances, building performance, insulation, windows, etc. For each energy improvement, calculate the payback. I would bet that many of these have a shorter...
by BrandonBogle
Sat Jul 25, 2015 9:04 am
Forum: Personal Consumer Issues
Topic: Does a 6.5 kW Solar install make sense?
Replies: 29
Views: 3693

Re: Does a 6.5 kW Solar install make sense?

I mentioned this in my reply to madbrain below, but basically, I am already expecting a $2k bill to upgrade my electrical panel and trim/remove trees on my property even if I do not do solar. As such, I've been lopping off $2k from the price when I consider my payback period. Still sounds like the g...
by BrandonBogle
Sat Jul 25, 2015 12:13 am
Forum: Personal Consumer Issues
Topic: Does a 6.5 kW Solar install make sense?
Replies: 29
Views: 3693

Does a 6.5 kW Solar install make sense?

One of the area organizations organized a group buy discount with a solar installer and I wanted to get some feedback if these numbers make it look worthwhile to consider solar, or if it is more Bogleheadish to skip on it now and check back in a couple of years. Background: - Installer is recommende...
by BrandonBogle
Sat Jul 18, 2015 7:26 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 760
Views: 123956

Re: Tesla S

You still have to schlep a charging station. It's an expensive toy for putting around town. If by charging station you mean the cord that comes with the car standard and the outlet I plug it into in my garage. Not a car for everyone, but like Bogleheads like to step back and look at the "big p...
by BrandonBogle
Mon Jul 13, 2015 8:11 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 760
Views: 123956

Re: Tesla S

The USA gets 32% of its electricity via coal. Coal mining is hugely destructive to the health of both man and planet. If you live in an area where electricity is produced by coal, gas, natural liquid gas, or nuclear plants then an electric-powered car may not be the best choice. Big picture. While ...
by BrandonBogle
Sat Jul 11, 2015 12:16 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 760
Views: 123956

Re: Tesla S

Well all I can say is that so far DC - Raleigh, Raleigh - Atlanta, and travel from city to city in NC have not been a problem. There will be a Miami trip coming up soon. None of this has been or will be as problematic as Car and Driver's experience -- but then, I don't try and get a 100% charge to g...
by BrandonBogle
Tue Jun 30, 2015 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: What happens when Admiral Shares drop below $50K?
Replies: 22
Views: 4192

Re: What happens when Admiral Shares drop below $50K?

I have had multiple funds under the Admiral shares limit for long periods of time, both due to market movements and sales, and never had any of them downgraded. But, most aren't way below the limit. I just counted, and currently have eight Admiral shares funds below the limit, including accounts I ...
by BrandonBogle
Tue Jun 23, 2015 12:51 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday to Mel [Lindauer]
Replies: 36
Views: 3869

Re: Happy Birthday to Mel [Lindauer]

Happy Birthday Mel!! Thank you so much for all you do. It was a pleasure meeting you at Bogleheads 2014. Since I'm not currently local, accept this as a digital substitute... :sharebeer
by BrandonBogle
Mon Jun 08, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 760
Views: 123956

Re: Tesla S

My understanding is that you can get 80% charged in 20 minutes with a Supercharger, but that the remaining 20% takes another 20 minutes. As most of life, it follows the 80/20 rule :D My wife brings up the charging question every chance she gets :annoyed , but in addition to Superchargers on main hi...
by BrandonBogle
Mon Jun 08, 2015 10:41 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 760
Views: 123956

Re: Tesla S

When you hit retirement, how much distance driving will you do? My father used his car in retirement to go 2-3 mile distances for shopping (Tesla works great) and then long driving holidays and trips to see friends (Tesla would work not at all). I completely agree with most of Valuethinker's. Thing...
by BrandonBogle
Mon Jun 08, 2015 9:35 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 760
Views: 123956

Re: Tesla S

When you hit retirement, how much distance driving will you do? My father used his car in retirement to go 2-3 mile distances for shopping (Tesla works great) and then long driving holidays and trips to see friends (Tesla would work not at all). I completely agree with most of Valuethinker's. Thing...
by BrandonBogle
Mon Jun 08, 2015 12:59 am
Forum: Personal Finance (Not Investing)
Topic: mailed US tax check 4/13 - not cashed yet
Replies: 46
Views: 10186

Re: mailed US tax check 4/13 - not cashed yet

For NJ state I mailed check on 4/13/15 via certified mail, with extension request. Certified mailed delievered on 4/17/15 7 weeks and check not cashed. How long does NJ take to cash check? I mailed the State of NC a check back in October (personal property taxes for auto) and now in June it still h...
by BrandonBogle
Sun Jun 07, 2015 1:40 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 760
Views: 123956

Re: Tesla S

I absolutely love my Tesla! I enjoyed cars, but never had the budget for it previously. Recently, I found that I am on track for early retirement even if I cut my retirement contributions in half. I was looking at getting a new Tesla 70D since I am not a performance-oriented person and the extra pow...
by BrandonBogle
Wed May 27, 2015 5:10 pm
Forum: Personal Consumer Issues
Topic: Downside of placing a credit freeze?
Replies: 21
Views: 3186

Re: Downside of placing a credit freeze?

I have had mine frozen for years now with no regrets. One thing that I have read though is that if you forget or lose the PIN that they give you to unlock the freeze, then it is a lot of work and documentation to get it replaced, which makes sense. Just don't lose the PIN numbers. I was wondering h...
by BrandonBogle
Wed May 27, 2015 5:09 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 760
Views: 123956

Re: Tesla S

Congrats tecmage!
by BrandonBogle
Wed May 27, 2015 10:02 am
Forum: Personal Consumer Issues
Topic: Downside of placing a credit freeze?
Replies: 21
Views: 3186

Re: Downside of placing a credit freeze?

After the Anthem breach, I froze my reports. Recently I had to get a car loan. I submitted the app online knowing I wouldn't get an instant decision. When I then called them, they told me which CRA to freeze. I quickly submitted a 48 hours release (I was shopping around, so figured I would leave it ...
by BrandonBogle
Tue May 26, 2015 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed 0.99% auto loan
Replies: 35
Views: 5515

Re: Penfed 0.99% auto loan

If anyone is looking for a similar deal, DCU has a regular 1.49% on up to 5 years. We took a cash out refi against our car instead of a student loan last fall. They were VERY generous in the valuation, no minimum deductible that I recall (ours was $1000 at the time of disbursement), and I've heard ...
by BrandonBogle
Tue May 26, 2015 11:43 pm
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 86
Views: 11017

Re: I found a new coffee.

Can the "coffee snobs" share their coffee of choice? I rarely if ever drank coffee until about 10 years ago (age 33 then). Every time I was served weak/watery Folgers (parents or church). Someone was always putting sugar and cream in it. I was in Seattle for work and had "good" ...
by BrandonBogle
Sun May 17, 2015 3:06 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 760
Views: 123956

Re: Tesla S

I'm not likely to buy one of these in the near future. Especially because I tend to keep my cars for a long time, and a few years from now, when all my buddies are cruising along watching videos in their self-driving cars, I would feel like a fool stuck in traffic and cursing behind the wheel of my...
by BrandonBogle
Sun May 17, 2015 12:10 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 760
Views: 123956

Re: Tesla S

The battery in an EV also doesn't really stop working. In the Volt at 150k miles you can expect to have about 80% of your original capacity. I'm sure there's some type of degradation with a Tesla. So as long as you don't mind your capacity slowly decreasing over time there's no reason to think abou...
by BrandonBogle
Sat May 16, 2015 9:48 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 760
Views: 123956

Re: Tesla S

Cool. What Lexus did you have and how do you compare the ride, finish, and other characteristics to the S? My mother has a Lexus IS. Fun drive and smooth drive. The seats are very supple and provide more support than the 1.0 seats I got in my Tesla (Tesla has since released 1.5 that match hers and ...
by BrandonBogle
Sat May 16, 2015 9:06 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 760
Views: 123956

Re: Tesla S

OMG! OMG! OMG!!!!!!!!! The Tesla CPO website went live tonight and I glanced around. Found a nice 2013 Dolphin Gray 85 w/ Tech and Air Suspension, Panoramic moonroof, Black Leather Seats, and Obece Wood Gloss interior. No autopilot, no folding mirrors, no parking sensors, no AWD, no alcantara headl...
by BrandonBogle
Sat May 16, 2015 8:59 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 760
Views: 123956

Re: Tesla S

BBOGLE, was the car local to you or does TSLA ship the car to your nearest center? Sorry, I missed this post somehow. You can pick up at the location that has the car for $0, or they ship to you (nearest center, or your house if the nearest center is over 160 miles away) for $500, $1k, or $1,500 de...
by BrandonBogle
Wed May 06, 2015 4:16 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 131
Views: 22249

Re: New Vanguard AMT-free National Municipal Bond Fund

Is anyone planning to move from the active fund to this new index fund? In the short term, no. In a couple years, I will consider if this investment option is worthy to replace something I already have. I plan to "stay the course" for the time being and take a "wait and see" app...
by BrandonBogle
Wed May 06, 2015 12:32 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 261
Views: 37962

Re: Forum software upgrade bug reports and change requests

I have turned server-side unread tracking back one. It has to start from scratch recording where everyone is, so it may not be exact at first. But threads you read from this point on and new threads should show unread information correctly. Thank you! Thank you! Thank you! As a side note, it restor...
by BrandonBogle
Mon May 04, 2015 12:20 pm
Forum: Personal Consumer Issues
Topic: New car every 5 years instead of 10?
Replies: 129
Views: 13866

Re: New car every 5 years instead of 10?

I enjoy driving and I enjoy the experience of getting from A to B. If I didn't and simply wanted to get there, then a safe, reliable econobox is fine. I enjoy going for walks. Walks are not just a way of getting from A to B. Does that mean I should buy Gucci shoes? Gucci shoes no (unless they provi...
by BrandonBogle
Mon May 04, 2015 11:29 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 261
Views: 37962

Re: Forum software upgrade bug reports and change requests

Interesting. It's not clear to me how a cookie-based system could work the way I've experienced. However, as took a day off work today, I haven't been able to try it. I would guess that some people have use multiple platforms by now and could comment. Earl If I had to guess (I am unfamiliar with ph...
by BrandonBogle
Mon May 04, 2015 10:46 am
Forum: Personal Consumer Issues
Topic: New car every 5 years instead of 10?
Replies: 129
Views: 13866

Re: New car every 5 years instead of 10?

I enjoy driving and I enjoy the experience of getting from A to B. If I didn't and simply wanted to get there, then a safe, reliable econobox is fine. I enjoy going for walks. Walks are not just a way of getting from A to B. Does that mean I should buy Gucci shoes? Gucci shoes no (unless they provi...
by BrandonBogle
Mon May 04, 2015 10:32 am
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 15234

Re: Will you buy self-driving car?

There are certainly times I want to drive and times I just want to be driven. I don't think manual mode will go away but within 10 years I think it will be very rare for people to use it. Computers are already safer drivers (even in environments where all other drivers on the road are human drivers...
by BrandonBogle
Mon May 04, 2015 10:27 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 261
Views: 37962

Re: Forum software upgrade bug reports and change requests

I think the problem of having all of your posts showing up as unread is the result of one of those new features I turned off. Specifically 'Enable server-side topic marking: Stores read/unread status information in the database rather than a cookie". You can imagine the size of the database ta...
by BrandonBogle
Mon May 04, 2015 10:10 am
Forum: Personal Consumer Issues
Topic: New car every 5 years instead of 10?
Replies: 129
Views: 13866

Re: New car every 5 years instead of 10?

This. If you trade in a car with shot breaks and bad tires, don't expect as high of a trade in. There is no free lunch. Point well taken. But as of right now the brakes and tires are still good. But they will probably need to be replaced over the next 10,000 miles. So if I sell or trade in now, the...
by BrandonBogle
Mon May 04, 2015 10:05 am
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 15234

Re: Will you buy self-driving car?

I'm in my early 30s and honestly do not think we will see 100% self-driving cars in my lifetime of capable driving. However, I do believe we will see vehicles that take over highway driving and eventually vehicles that take over city driving as an option . There are certainly times I want to drive a...

Go to advanced search