Search found 1952 matches

by BrandonBogle
Tue Jan 23, 2018 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 94
Views: 7366

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

There seem to be many posts that basically amount the “cash is king”, which is fine, but doesn’t really answer the question the Op posted. There are definitely scenarios where you need cash versus credit, a check, etc. And in these situations, you would need that cash physically on you when you spen...
by BrandonBogle
Thu Jan 18, 2018 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Is a Stable Value fund just a Variable Annuity?
Replies: 25
Views: 1581

Re: Is a Stable Value fund just a Variable Annuity?

Now the hard part is deciding to use more of Megacorp's Stable Value Fund (GIC with after fee yield of 2.06%) or a Total US Bond Fund. Currently, I am about 50-50 between then.
by BrandonBogle
Thu Jan 18, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 431
Views: 33499

Re: To take or not to take delivery of Tesla 3

what, no auto pilot aka very expensive "follow the car in front of me so that I can be texting on my phone" option?? You forgot the long range $9K. You don't get your car without it. I love that white pearl paint. How do you order the center caps? Are they listed somewhere? I don’t have AutoPilot o...
by BrandonBogle
Thu Jan 18, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 431
Views: 33499

Re: To take or not to take delivery of Tesla 3

I am curious as to the color/wheel/extra options you are planning on buying. Also I would like to know how your friend configured his 3. I suspect, I will have to let my family duke it out for the final configuration when I get the invite. Mine was reserved online on March 31, 2016 For this reserva...
by BrandonBogle
Thu Jan 18, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 431
Views: 33499

Re: To take or not to take delivery of Tesla 3

Woot woot! I got my invite to configure with an estimated delivery of February if I got the long range, though I'm holding out for the standard range. Am I correct it assuming that you are current Tesla owner and you are on the west coast? I think for me being not a Tesla owner and on the other coa...
by BrandonBogle
Thu Jan 18, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: AA mix vs paycheck mix percentages
Replies: 12
Views: 528

Re: AA mix vs paycheck mix percentages

Yes that's how mine is "Exchange Funds" and then "Change current investment mix" tab, then there you designate a % to each fund which moves the monies that each fund currently has to whatever % you change it to. I guess my question is do you not touch that if you have already redid your AA and % co...
by BrandonBogle
Thu Jan 18, 2018 9:48 am
Forum: Investing - Help with Personal Investments
Topic: AA mix vs paycheck mix percentages
Replies: 12
Views: 528

Re: AA mix vs paycheck mix percentages

Ok so to add to my previous question, I have another along the same lines. There is also a place on vanguard that you can change the asset mix of the money in each fund by % and change the fund balance.. What is that for? Maybe I'm overthinking to much You may actually have to get more specific. In...
by BrandonBogle
Thu Jan 18, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 431
Views: 33499

Re: To take or not to take delivery of Tesla 3

Woot woot! I got my invite to configure with an estimated delivery of February if I got the long range, though I'm holding out for the standard range. So do you hold your place in line if you wait? Presumably there are others in line in front of you waiting on standard range or all wheel drive. I d...
by BrandonBogle
Wed Jan 17, 2018 11:02 pm
Forum: Investing - Theory, News & General
Topic: Why Buy Bonds If You Have A Mortgage?
Replies: 187
Views: 17468

Re: Why Buy Bonds If You Have A Mortgage?

I think what I am taking away from this thread is that most people shouldn't buy a house. LOL, I totally have been thinking the same with all this discussion. And here I thought having a paid for house was just another piece of the puzzle. Silly me :) Guess a few months before I retire, I will be s...
by BrandonBogle
Wed Jan 17, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 431
Views: 33499

Re: To take or not to take delivery of Tesla 3

Woot woot! I got my invite to configure with an estimated delivery of February if I got the long range, though I'm holding out for the standard range.
by BrandonBogle
Wed Jan 17, 2018 1:08 am
Forum: Investing - Help with Personal Investments
Topic: AA mix vs paycheck mix percentages
Replies: 12
Views: 528

Re: AA mix vs paycheck mix percentages

A couple years ago I added up all the asset additions from all sources I was making/getting for the year, multiplied that by my AA %s to get target $$ for the year, and then did the match on what breakdown to use from my 401k contributions to maintain that. It has worked great for me so far. The onl...
by BrandonBogle
Wed Jan 17, 2018 12:59 am
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 94
Views: 7459

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

I wouldn't have even noticed that the Dow and S&P moved 4% in 12 days. That said, I did notice the uptick -- in absolute dollars. While I am only up 3.3% since the beginning of the year, my growth dollars are nearly 2/3 of my planned contributions of 2018. 2017 was the first year that my balance, in...
by BrandonBogle
Mon Jan 15, 2018 1:12 am
Forum: Personal Consumer Issues
Topic: Kayak Germany flights more than 60% than airline site??
Replies: 13
Views: 1378

Re: Kayak Germany flights more than 60% than airline site??

I have used Kayak in the past with good success. Each time it was through a website that was well known enough to make me feel at ease. Non-stop flights I haven't really seen much difference, but multi-hops sometimes Kayak can make a big difference because of how they look at connecting flights and ...
by BrandonBogle
Sun Jan 14, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 94
Views: 7366

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

In modern times, non-orthodox funerals are often delayed a day or maybe two to allow for relatives requiring long distance travel. I have had to travel next day to another country for a funeral. It's not cheap. I thankfully had more time than a day, but it was similar for me. I got the call about t...
by BrandonBogle
Sun Jan 14, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 94
Views: 7366

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

livesoft wrote:
Sun Jan 14, 2018 12:12 pm
Poll and previous thread:
I have used my emergency fund for ...
I'm half tempted to resurrect your old thread to post my use of my EF fund. Even so though, it didn't need it "immediately in a checking account" at least.
by BrandonBogle
Sun Jan 14, 2018 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 94
Views: 7366

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

Rather than go into a scenario about what would require "immediate" funds vs. next business day (since many of the examples are YMMV depending on what's normal in your area), I will say how I handle it. 1. My primary checking account is tied to overdraft into a savings account at the same bank, and ...
by BrandonBogle
Sat Jan 13, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 160
Views: 18280

Re: TurboTax Prices

TurboTax deluxe 2017 federal + state for ~$39 + tax at Newegg. (On CD only for some reason. Free shipping by Fedex.) Same price as Amazon and Costco. Is Newegg tax free? Just a point of clarification. No online store is "tax-free". You must pay your state's tax, either to the merchant who collects ...
by BrandonBogle
Sat Jan 13, 2018 1:52 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Withholding Tables
Replies: 88
Views: 11118

Re: IRS announces new withholding tables for 2018

That may not be a good idea this year because your 2018 taxes will be very different from your 2017 taxes. If you choose to withhold as much in 2018 as you paid in 2017, you may get a big refund. In 2018, I only have $150 of carryover losses left, so I’ll have roughly $3k more income at least, so i...
by BrandonBogle
Fri Jan 12, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Withholding Tables
Replies: 88
Views: 11118

Re: IRS announces new withholding tables for 2018

Honestly, I'm planning to use the same method I've done the past couple years. I change nothing on my W4 until I do my taxes. Then I take last year's tax owed, subtract whatever has already been withheld from my paychecks, and divide by the remaining number of paychecks for the year. I then mark 10 ...
by BrandonBogle
Thu Jan 11, 2018 11:44 pm
Forum: Investing - Theory, News & General
Topic: Why Buy Bonds If You Have A Mortgage?
Replies: 187
Views: 17468

Re: Why Buy Bonds If You Have A Mortgage?

It's interesting how rare it is to hear of anyone financing a new car purchase at a promo 0-2% rate in order to invest the money instead. Or using promotional credit card checks with a 3% fee and 0% interest for 12-18 months to invest. The specifics are obviously different (e.g. the interest, if an...
by BrandonBogle
Wed Jan 10, 2018 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with a 25 million windfall?
Replies: 47
Views: 2813

Re: What would you do with a 25 million windfall?

Invest $25 million with my current allocation. :sharebeer You don't think your need to take risk might have changed with a windfall equal to fifty times your annual salary? Definitely true as a physician a big risk to me is simply working and having to deal with a malpractice lawsuit. While the abo...
by BrandonBogle
Tue Jan 09, 2018 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 65
Views: 22377

Re: Fidelity charges to close accounts!

So today I helped my mother "close out" her IRA at Fidelity now that her last bond matured. When on the transfer screen to go from the IRA to her Fidelity Brokerage account, it explicitly said that closing the account would be subject to a closure fee (but didn't list the amount). We instead left $...
by BrandonBogle
Tue Jan 09, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: When the rubber hits the road [Progressive Dementia thread with merged updates]
Replies: 106
Views: 7931

Re: The reality hits - my dementia update

Thank you The Reality Hits for sharing your story, your progress, and you good spirits around managing the experience. It is a hard thing to hear and experience, but I am happy you have found a silver lining in expressing your experience to others, whatever benefit it may provide to you or us. I tru...
by BrandonBogle
Mon Jan 08, 2018 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 65
Views: 22377

Re: Fidelity charges to close accounts!

So today I helped my mother "close out" her IRA at Fidelity now that her last bond matured. When on the transfer screen to go from the IRA to her Fidelity Brokerage account, it explicitly said that closing the account would be subject to a closure fee (but didn't list the amount). We instead left $0...
by BrandonBogle
Sat Jan 06, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 431
Views: 33499

Re: To take or not to take delivery of Tesla 3

Word is the headroom in the back is achieved by a low seating, that puts your knees well above your hips, so to speak. BB, did you find that noticeable when testing the back? I got to spend a good bit more time with the Model 3 today, crawling into the crevices and trying a number of things out as ...
by BrandonBogle
Fri Jan 05, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 431
Views: 33499

Re: To take or not to take delivery of Tesla 3

BrandonBogle Thanks for this. Did you happen to sit in the back with the front seat adjusted for a normal sized person? Was it comfortable? I have a teen who projects to be in the 6 foot range and will have to spend some time in the back seat. His comfort is one of the things that gives me a little...
by BrandonBogle
Fri Jan 05, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 160
Views: 18280

Re: TurboTax Prices

I would like to ask if my relative should get Fed only version or Fed + State version for following situation: My relative is single and lives in Texas and worked at an office in Texas for a six months contract job (engineering) for QLogic, a subsidiary of Cavium. Both the subsidiary and the parent...
by BrandonBogle
Fri Jan 05, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 431
Views: 33499

Re: To take or not to take delivery of Tesla 3

What was the sticker price of the Model 3 you spent time in? $35,000 - Model 3 $ 9,000 - Long Range $ 5,000 - Premium Package $ 1,000 - Midnight Silver Paint ---------- $50,000 I plan to sit on my reservation for standard range (unless it looks like the EV tax credit would finish its "end of next q...
by BrandonBogle
Fri Jan 05, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 431
Views: 33499

Re: To take or not to take delivery of Tesla 3

Today I got the opportunity to spend some time with a Model 3 and I have to say I was very impressed. I'm 6'0" with a footballers build and was very comfortable. The seats were quite a good bit more comfortable than my 2013 Tesla Model S. The fit and finish looked great, I back was very comfortable,...
by BrandonBogle
Fri Dec 22, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard tax-exempt bond funds -- Are they worth it?
Replies: 16
Views: 2428

Re: Vanguard tax-exempt bond funds -- Are they worth it?

I keep a balance in Vanguard's "Long-Term" (still basically an Intermediate though) National Muni Fund. This balance basically has the funds for new appliances, a new roof, a new water line, new water heater, etc. in it. Basically, expenses I know I will have someday and can plan for, but may happen...
by BrandonBogle
Fri Dec 22, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 878
Views: 48955

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

Tax bill is now signed into law this morning. Can we have separate threads on this now? Maybe a new dedicated subforum for a couple months so they are all still in one place? I also vote for separate threads. This is a beast. This omnibus thread was very helpful to have a discussion and heads up ab...
by BrandonBogle
Fri Dec 22, 2017 12:51 pm
Forum: Investing - Theory, News & General
Topic: 2nd million is easier!
Replies: 123
Views: 23636

Re: 2nd million is easier!

No venom at all... I'm very sad that people read my remarks that way. I'm quite impressed with NYCguy, especially from his subsequent posts, but even my original reply offered sincere congratulations on his success. My point was that his salary is so far beyond the average, that it's difficult for ...
by BrandonBogle
Fri Dec 22, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 878
Views: 48955

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

Please note that we are merging duplicate threads here. If something looks out of place, check the post title, it may be from a merged thread. Another thing, we made an exception to our rule that laws must be enacted before they can be discussed in order to give people a chance to figure out if the...
by BrandonBogle
Fri Dec 22, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: pay down mortgage or invest in taxable
Replies: 73
Views: 6196

Re: pay down mortgage or invest in taxable

I'm falling on the side that failure is less likely, though success should be tempered. That said, it still doesn't change the advice IMO. With variable pay and pay at that level, the security of saving up and lump sum payoff (or not) isn't a great cost and provides lots of flexibility. But then, my...
by BrandonBogle
Thu Dec 21, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 878
Views: 48955

Re: Tax Bill Omnibus Thread

Seems like most people's posts are getting lost on the thread given all the disparate topics: effects on SALT, for pass through owner, real estate, muni treatment, etc. I'm not sure what difference it makes having one versus 10 threads but it's not my board so not my rules. Agreed, this kind of arb...
by BrandonBogle
Thu Dec 21, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: pay down mortgage or invest in taxable
Replies: 73
Views: 6196

Re: pay down mortgage or invest in taxable

IMHO, you either pay it off in one lump sum or do not pay it off. Prepaying the mortgage partially does not help you in term of cash flow and it hurts you in term liquidity. I concur here. Given your circumstances, unless there is an emotional/intangible component to prepaying the mortgage, you are...
by BrandonBogle
Thu Dec 21, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Apple 2FA is saving DEVICE passwords in the cloud
Replies: 21
Views: 2549

Re: Apple 2FA is saving DEVICE passwords in the cloud

I tried avoiding coming into this thread. SpaethCo gave a very good explanation here since it wasn't getting through. The only thing I can add is to get even more explicit/blunt... I'm interested in not putting my password (in any form) anywhere other than the device. Sorry for the clear and blunt s...
by BrandonBogle
Thu Dec 21, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: 2nd million is easier!
Replies: 123
Views: 23636

Re: 2nd million is easier!

Since you opened up with the following quote Frankly, I do not trust the financial services industry and I think everyone needs to be well educated financially. what value do you add financially which allows you to earn $2.9M per year? You have every right to not trust the industry if you think the...
by BrandonBogle
Tue Dec 19, 2017 10:48 am
Forum: Investing - Help with Personal Investments
Topic: How long to hold 80/20 asset allocation
Replies: 34
Views: 3687

Re: How long to hold 80/20 asset allocation

I'll take the other contrarian view. 80/20 isn't aggressive enough for a 30 year old. You're still young and and have longer to recover. You can work longer if necessary, and plan accordingly for it, but the vast majority of the time, over a decade or two, being aggressive wins out. I see a > 90% c...
by BrandonBogle
Mon Dec 18, 2017 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: How long to hold 80/20 asset allocation
Replies: 34
Views: 3687

Re: How long to hold 80/20 asset allocation

This thread made me realize I didn't even remember my split. I just looked and I'm at 75/25. Seeing as I'm entering my mid-30s and have never had any problems sleeping at night (at least related to my asset allocation), I feel that it is fine where I am at. I did think that when I approach retiremen...
by BrandonBogle
Mon Dec 18, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: pay down mortgage or invest in taxable
Replies: 73
Views: 6196

Re: pay down mortgage or invest in taxable

Op, given you are otherwise investing, your can't go wrong either way. Sure one may be slightly more financially-beneficial than the other, but it wouldn't be major either way and you'll "succeed" even with the lower earnings, so you should honestly do what feels best - be that invest first, mortgag...
by BrandonBogle
Mon Dec 18, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Why You Took an Adjustable Rate Mortgage?
Replies: 43
Views: 3257

Re: Why You Took an Adjustable Rate Mortgage?

What edge case are you referring to? Anytime some banks send me a 0 APR cash advance, there is always small writing stating I will be paying 3% cash advance. Not only that in the last few years, it’s very hard to get a 3% CD on a 5 year term. So I don’t see the advantage. Plus these 0 APR is only f...
by BrandonBogle
Mon Dec 18, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 160
Views: 18280

Re: TurboTax Prices

H&R Block had a sale a few weeks back for their "Deluxe" product + one state (one fed efile free, but state efile would be charge -- I can print it out and mail it in though) for $15. I haven't used the H&R Block product in years, but I figured $15 was worth it. While I also have to do Sched D for c...
by BrandonBogle
Mon Dec 18, 2017 10:51 am
Forum: Investing - Theory, News & General
Topic: 2nd million is easier!
Replies: 123
Views: 23636

Re: 2nd million is easier!

I love this. I'm curious to see how long it will take us. The road from 500K to 1m was surprisingly short (about 6 yrs). I'm finding the bull market has helped tons with this in my own savings. I hit 500k in late Feb and today, 10 months later, I cross over 600k. I'm still chugging away at saving w...
by BrandonBogle
Fri Dec 15, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Home owner liablity questions - parcel delivery
Replies: 19
Views: 1895

Re: Home owner liablity questions - parcel delivery

My understanding is this type of claim would fall under tort liability. I believe there are 3 criteria that must be met: 1) There must be a duty to care 2) There must have been a breach in the duty to care 3) The breach in duty must have caused an injury. 1. I would say the duty would be to general...
by BrandonBogle
Fri Dec 15, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Kidde fire extinguisher recall
Replies: 58
Views: 5557

Re: Kidde fire extinguisher recall

Could be, but I think the only danger is that the plastic handle might break, From the CPSC web site: "The fire extinguishers can become clogged or require excessive force to discharge and can fail to activate during a fire emergency. In addition, the nozzle can detach with enough force to pose an ...
by BrandonBogle
Fri Dec 08, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 65
Views: 22377

Re: Fidelity charges to close accounts!

While I realize this thread started in 2013, I will say that maybe five years ago or so my mother closed a Fidelity Rollover IRA (that years earlier was an employer-sponsored 401k at Fidelity). We did a full closeout with the proceeds going into her Fidelity Brokerage (Taxable) account. There was no...
by BrandonBogle
Tue Nov 07, 2017 12:53 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 431
Views: 33499

Re: To take or not to take delivery of Tesla 3

My 2013 has 66k miles and still gets 262 rated miles (out of 265) on a full charge (last checked in August 2017). Just a datapoint. I still get over 100 kW regularly when Supercharging (30x times so far this year alone). I’m not concerned my battery won’t last 400k miles, but it’s highly unlikely th...
by BrandonBogle
Mon Nov 06, 2017 10:21 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 431
Views: 33499

Re: To take or not to take delivery of Tesla 3

That is, again, assuming the battery pack lasts that long. Based on owners' reported experiences so far and my familiarity with lithium-ion battery performance in other applications, I think we can at this point be very confident in battery packs typically lasting beyond 100,000 miles, and probably...
by BrandonBogle
Mon Nov 06, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 431
Views: 33499

Re: To take or not to take delivery of Tesla 3

While that Charger may be Super great, it isn’t a Supercharger. Thanks folks, I’ll be here all week! :D I'm not sure, because I usually get this wrong, but it's not even technically a Charger, just a Connector, because it doesn't convert to DC (which takes place in the car). It would depend on wher...