Search found 1891 matches

by BrandonBogle
Tue Oct 10, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 172203

Re: Tesla S

At what point will a used Model S cross the new Model 3 price? There is Model S with 3 years left of the bumper to bumper warranty available in NC just over $36k. I know people in other states who bought new (inventory/demo models with less than 10k miles though) in the $40s. So potentially, that p...
by BrandonBogle
Mon Oct 09, 2017 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Third time in my 32 year career I have been laid off
Replies: 87
Views: 10075

Re: Third time in my 32 year career I have been laid off

Felix, since you weren't prepared for retirement, there is nothing wrong in searching for employment. But to the question, yes, you are in a position to retire now. Someone else mentioned the point of something to retire TO vs. FROM, so you may prefer to find some employment rather than immediately ...
by BrandonBogle
Mon Oct 09, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 172203

Re: Tesla S

Read an article today. A little scary. http://www.msn.com/en-us/money/companies/tesla-is-struggling-to-build-the-model-3-%e2%80%94-heres-why/ss-AAt1Jfk?ocid=spartandhp#image=1 While this is a Model S thread, I'll comment anyways. I had always felt there were going to be delays, but I'm not worried ...
by BrandonBogle
Tue Oct 03, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris - should we buy tickets in advance?
Replies: 37
Views: 1645

Re: Visiting Paris - should we buy tickets in advance?

Also, I used FreedomPop for this trip and had service without issue in Paris, Loire Valley, Normandy, Brussels, Amsterdam, and London. I was very happy as the SIM cost me $4.99 (from Best Buy) and service cost me $0.01. Great value and it was very helpful to have data, texting, and international cal...
by BrandonBogle
Tue Oct 03, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris - should we buy tickets in advance?
Replies: 37
Views: 1645

Re: Visiting Paris - should we buy tickets in advance?

One place that does not take American credit cards: The Paris Metro automated kiosks. You can use a credit card at the manned windows so plan ahead to get tickets at a place and time when lines are minimal. I was there a few weeks ago and had no issue using my card at the kiosks, it would pop up as...
by BrandonBogle
Tue Oct 03, 2017 10:35 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris - should we buy tickets in advance?
Replies: 37
Views: 1645

Re: Visiting Paris - should we buy tickets in advance?

One place that does not take American credit cards: The Paris Metro automated kiosks. You can use a credit card at the manned windows so plan ahead to get tickets at a place and time when lines are minimal. This was one of the two places I couldn't use my phone's NFC payment nor my Fidelity Visa ca...
by BrandonBogle
Tue Oct 03, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris - should we buy tickets in advance?
Replies: 37
Views: 1645

Re: Visiting Paris - should we buy tickets in advance?

Not sure about the museums. I suspect there are package deals on passes to museums. I know there are metro cards that will cover you for riding the metro - those are usually a good deal. Euros you can get at an ATM. You probably won't need a lot - most places take cards. I completely agree. I just ...
by BrandonBogle
Tue Sep 26, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: What phone carrier?
Replies: 16
Views: 1646

Re: What phone carrier?

Your verizon iphone SE will work on sprint/boost but it doesn't have LTE band 41 so won't get the very best speeds. It probably doesn't matter too much. If boost works why not switch to the free year of sprint unlimited. Costs about $3.5 a month in taxes and fees. Requires a hard pull since it is p...
by BrandonBogle
Mon Sep 25, 2017 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard charged me $140 in service fees
Replies: 31
Views: 5595

Re: Vanguard charged me $140 in service fees

This thread made me look b/c the only fee I've noticed is my $7 quarterly fee in my 401k (I'm no longer w/ that employer, or else the fee wouldn't be assessed). I do have an IRA there with about $7k in TSM though and haven't been charged a fee (and wasn't expecting to be either), so I dug further an...
by BrandonBogle
Wed Sep 13, 2017 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Tesla Financing
Replies: 22
Views: 2208

Re: Tesla Financing

Back on the financing topic, I financed my Model S at 100% of purchase price at 1.49% for 65 months at Digital Federal Credit Union. It was an easy process and my payments are all ok autopilot (pun intended). I could have paid some down or even all of it, but it meant using rollover capital losses a...
by BrandonBogle
Wed Sep 13, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Electric car in evacuation situation
Replies: 61
Views: 4269

Re: Electric car in evacuation situation

There was lots of discussion about this on the Tesla forums as people were evacuating. During the evacuation and on the road back to recovery, there were no reported problems of Tesla owners having charging issues. Florida has a number of Superchargers on top of a number of slower charging options, ...
by BrandonBogle
Tue Aug 01, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Mobile phone SIM advice for multiple countries in Europe
Replies: 30
Views: 1695

Re: Mobile phone SIM advice for multiple countries in Europe

Do you have to be an existing Freedom Pop customer to use this? If not, it seems like a great alternative to local SIMs. -Steph No. You get a new line when getting the SIM regardless of if you make a new account for it or add it to an existing account. Do note that I mentioned it has limitations, w...
by BrandonBogle
Tue Aug 01, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Mobile phone SIM advice for multiple countries in Europe
Replies: 30
Views: 1695

Re: Mobile phone SIM advice for multiple countries in Europe

I just wanted to update this thread with my results on my current trip. I am using a FreedomPop Global SIM bought from Best Buy for $5. So far it has been great. I got service in the U.S., Dublin, Paris, Normandy, Brussels, Amsterdam, and London. It takes a few minutes to connect at first and someti...
by BrandonBogle
Tue Jul 18, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: ATM card for overseas travel
Replies: 25
Views: 1675

Re: ATM card for overseas travel

Definitely take a backup. An ATM ate my Schwab atm card in Egypt. Schwab would have sent another one in 2 business days but we were leaving the next day so declined the offer. This has been my concern. I may have to take a look at Schwalb, but at the moment, I use Wells Fargo. My backup is that I h...
by BrandonBogle
Wed Jul 05, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 3428

Re: Surge Protector for Refrigerator

Brandon, Can you expand on this? I'm not the quickest wit so I need a simple/slow explanation. I've got several of the half-heights next to each other in my panel so I think I'm violating this rule. Actually, on my panel all of the neutrals and grounds go to the same bar. If you have a shared neutr...
by BrandonBogle
Tue Jun 27, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 3428

Re: Surge Protector for Refrigerator

I don't know about those specific units, but the Eaton on my house is sacrificial. If both green lights aren't on (likely due to a surge), the unit must be replaced.
by BrandonBogle
Mon Jun 26, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 3428

Re: Surge Protector for Refrigerator

Not meaning to highjack this thread but my electrical panel doesn't have any open slots to add more circuit breakers. It's my understanding that all these require adding a breaker to install. Any other options for me? Recall there are half-height 120v breakers (2x will fit in the space of 1x full-h...
by BrandonBogle
Mon Jun 26, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 31
Views: 2967

Re: Cricket Wireless Groups

You MUST make sure that anyone joining the group has access to AT&T coverage if you are with Cricket. We were not able to use T-Mobile or related brands as we don't have coverage. None of the people in our group had any good access to Sprint coverage. Isn't AT&T coverage ubiquitous? Right now I am ...
by BrandonBogle
Fri Jun 23, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: New cars w/ no CD player -- what can I do with my CDs?
Replies: 47
Views: 5796

Re: New cars w/ no CD player -- what can I do with my CDs?

My prior vehicle, a 2006 Toyota 4Runner, had a stock sound system that played CD players and also MP3 CDs. To aid in keeping only a few CDs handy, over time I ripped all my CDs to MP3 and burned MP3 CDs to use in my truck. When I switched vehicles, my current vehicle doesn't have a CD player, but do...
by BrandonBogle
Fri Jun 23, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 3428

Re: Surge Protector for Refrigerator

You could also look into a whole house surge protector - I believe that exists. This is what I did. I have high end surge protector's on my TV and computer equipment, but wanted something for the fridge, washer, dryer, water heater, oven, etc. as a just-in-case. Got a whole-house surge protector ad...
by BrandonBogle
Fri Jun 23, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 27584

Re: Early Retirement - what to do about healthcare?

My original plan was to retire at 52 and work on pushing that into my 40s. However, my employer only offers retiree medical coverage (the same plans I have, but without the employer subsidy in the premiums) at age 55. It's throwing a wrench in my plans. That said, since I'm in my early 30s, I'm just...
by BrandonBogle
Fri Jun 23, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 3428

Re: Surge Protector for Refrigerator

You could also look into a whole house surge protector - I believe that exists. This is what I did. I have high end surge protector's on my TV and computer equipment, but wanted something for the fridge, washer, dryer, water heater, oven, etc. as a just-in-case. Got a whole-house surge protector ad...
by BrandonBogle
Wed Jun 21, 2017 12:02 am
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 150
Views: 10447

Re: Any BHs Had Experience With the Honda Fit?

I had a Nissan Versa rental when in Phoenix for a conference and then drove to the Grand Canyon. I did not enjoy that experience (the drive, the GC itself was great) and it reminded why I dislike the Fit on long, non-flat drives. But then, I'm biased as our Fit isn't my daily driver and ours doesn't...
by BrandonBogle
Mon Jun 19, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 150
Views: 10447

Re: Any BHs Had Experience With the Honda Fit?

We have a 2011 Fit Sport that currently sports 180k miles on the odometer. Our experience matches these posts: For highway driving it was just too loud. Revved at 4000-5000 rpm, and you heard every one of its horses. Great city car, parks anywhere and surprisingly spacious inside. I felt very uncomf...
by BrandonBogle
Mon Jun 19, 2017 10:59 am
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 12128

Re: Amazon Buys Whole Foods

I gather you have both Aldis in the USA? - the company was split into 2 a long time ago In my area, there is no Lidls and I hadn't heard of the company prior to this thread. Around me, there are many (successful) Aldis, Whole Foods, EarthFare, Trader Joes, Walmart Supercenter/Neighborhood Market, T...
by BrandonBogle
Sun Jun 18, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 33918

Re: Tesla Model 3 or Chevy Bolt?

We have 30 amp / 208V charging at work, which comes to about 6 kW as well. They are not free - $1/hour for the first 5 hours, then $5/hour after that - this is to minimize people hogging plugs - we have well over 100 EVs and 10 charging spots. Hogging plugs was a problem at my work. With only a few...
by BrandonBogle
Sun Jun 18, 2017 5:30 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 33918

Re: Tesla Model 3 or Chevy Bolt?

My husband has had his Bolt for about the same amount of time, and concurs almost entirely with you. He's 5'11" too, and we've actually had 5 people in the car for a short drive - no issues about legroom or comfort. He installed his own fast charger, and is very pleased with it as well. I'd be temp...
by BrandonBogle
Fri Jun 16, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 12128

Re: Amazon Buys Whole Foods

Amazon is on the low price/value end and WF is currently on the higher priced/premium end so this will be interesting. They both provide excellent customer experiences though IMO and I enjoy shopping at both. The WF in Chicago and Charlotte are the nicest grocery stores I've ever been to. Where in ...
by BrandonBogle
Thu Jun 15, 2017 10:34 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 33918

Re: Tesla Model 3 or Chevy Bolt?

I similarly don't often plug in unless I am below 50% and then charge to 90%. That typically means that I also only charge twice a week normally.
by BrandonBogle
Wed Jun 14, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: The Average Mortgage?
Replies: 15
Views: 1357

Re: The Average Mortgage?

You will probably start to see people lock in their rates for much longer now. But refi's for higher balances at higher interest rates doesn't make sense to me. The person in question must have had a large initial downpayment and is refinancing with lower downpayments to use the equity for other pu...
by BrandonBogle
Wed Jun 14, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 6834

Re: Have you canceled cable?

Eventually I do and my cable and internet bill is only $150. If I dropped TV my internet alone would be $89.99 before taxes. Then add Hulu, Netflix, etc and I am back to what I was paying with a less than optimal experience. TiVo these days skips ads, and I can strip out ads of my recordings when I...
by BrandonBogle
Wed Jun 14, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Pay Mortgage vs. Buy Bonds
Replies: 61
Views: 5794

Re: Pay Mortgage vs. Buy Bonds

BrandonBogle, My portfolio's dividend/interest income is about the same as the after-tax interest rate on my mortgage. KlangFool Even if my portfolio's rate of return on the bond/FI side was worse than my after-tax interest rate on my mortgage, I would still keep the liquidity. So (looking at Feder...
by BrandonBogle
Wed Jun 14, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Pay Mortgage vs. Buy Bonds
Replies: 61
Views: 5794

Re: Pay Mortgage vs. Buy Bonds

In my earlier post (page 1?), I explicitly said it may not be the most financially efficient, but it wouldn't be bad compared to the guaranteed 2.875% (in my case) interest savings. The risk of depressed housing prices and lack of liquidity are there and thus, the potentially less efficiency of havi...
by BrandonBogle
Wed Jun 14, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Pay Mortgage vs. Buy Bonds
Replies: 61
Views: 5794

Re: Pay Mortgage vs. Buy Bonds

2) In any case, if and when the AA's return is lower than the mortgage rate, the investor could pay off or pre-pay the mortgage. It is not a one-time decision. KlangFool This is why I like my earlier thoughts on such Pay Mortgage questions. Rather than pre-pay, build up the funds to pay it off in o...
by BrandonBogle
Mon Jun 12, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 6834

Re: Have you canceled cable?

I meant home internet. If I didn't have internet in my home, I would probably have to use the internet on my phone a lot more. Ahh, I misunderstood. But to look for that silver lining so I have some kernel of truth, sometimes SrGrumpy cancels it while away. On my end, I've once was refused to get t...
by BrandonBogle
Mon Jun 12, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 6834

Re: Have you canceled cable?

Internet: I cancel every 12-18 months or so when I go away for a few weeks, and then I open a new account when I return, at the introductory rate. This keeps my bill at about $35 a month, via Spectrum, fka Time Warner Cable. I think I'm too reliant on the Internet to do something like this. I use t...
by BrandonBogle
Mon Jun 12, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Pay Mortgage vs. Buy Bonds
Replies: 61
Views: 5794

Re: Pay Mortgage vs. Buy Bonds

Put the money into an appropriate financial instrument until you have built that up enough to pay off the mortgage. Then decide if you want to keep the mortgage or pay it all off in one fell swoop. What is an "appropriate financial instrument" in this scenario? Is it one with more risk for higher r...
by BrandonBogle
Mon Jun 12, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 6834

Re: Have you canceled cable?

I had my old phone number for about 40 years and it had become about useless because of constant spam calls. But in case someone that I have not heard from wants to call me it is still there and if they leave a message, I will get an email from Google with the transcribed message and a link to the ...
by BrandonBogle
Mon Jun 12, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Pay Mortgage vs. Buy Bonds
Replies: 61
Views: 5794

Re: Pay Mortgage vs. Buy Bonds

In scenarios like this (though usually with the ability to deduct mortgage interest), I prefer a middle-of-the-road approach. Put the money into an appropriate financial instrument until you have built that up enough to pay off the mortgage. Then decide if you want to keep the mortgage or pay it all...
by BrandonBogle
Mon Jun 12, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 6834

Re: Have you canceled cable?

In 2005, I went to cell phone only for phone In 2008, I went to OTA antenna only for TV In 2011, I went to OTA antenna + Netflix In 2015, I went to OTA antenna + Netflix + Hulu Somewhere along the way Amazon Prime Ideo got added in, but I was already an Amazon Prime member and would continue to be s...
by BrandonBogle
Mon Jun 12, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 33918

Re: Tesla Model 3 or Chevy Bolt?

My early 2013 Model S with a 61,000 miles is set to charge regularly to 90%. After all this time and miles, I've dropped from a 265-mile 100% to a 262-mile 100% charge. So 3 miles lost in over four years and 61k miles. Meanwhile, I've seen many, many, internal combustion engine cars go up in flames ...
by BrandonBogle
Fri Jun 09, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Internaational [VXUS] & All World ex-US [VEU]: Twins separated at birth?
Replies: 14
Views: 1161

Re: Vanguard Total Internaational [VXUS] & All World ex-US [VEU]: Twins separated at birth?

I am of the same thoughts as nisi. And since I place some value on simplicity, I do not add VSS to augment VEU when I hold it. Thus, I just use VXUS and VEU interchangeably when tax loss harvesting, dollar-for-dollar.
by BrandonBogle
Fri Jun 09, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 144
Views: 23014

Re: So someone drained $13k from my checking account...

Everyone should do what they are most comfortable with. Personally, I don't use an alternate checking account without overdraft protection etc. I have more than one checking account, yes. I use my main account and if there is ever a problem, I let the bank make me whole and pay my bills temporarily ...
by BrandonBogle
Wed Jun 07, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 31
Views: 2967

Re: Cricket Wireless Groups

My understanding from the cricket website is that the total discount on 5 lines is $100 or $20 per line. So someone on the $40 plan should pay $20 while someone on the unlimited plan, which is $60, would pay $40. https://www.cricketwireless.com/content/aio/en/l/multiline.html Thank you. You worded ...
by BrandonBogle
Wed Jun 07, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 31
Views: 2967

Re: Cricket Wireless Groups

Can people have different plans within the same group? If so how does the pricing work? I just assumed it would be the 5 lines for $100 ($20/each) but if someone has the unlimited plan I'm guessing it won't be. Yes, each line can have a different plan. The only real thing is the discount gets bigge...
by BrandonBogle
Mon Jun 05, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 31
Views: 2967

Re: Cricket Wireless Groups

Like bloom, I would draw the line around complicating my life to safe that last few dollars. The understanding is correct, the "lead" or primary line on the group would be fully responsible for the charges and managing the account. They would bear the risk that the people in the group do not pay up,...
by BrandonBogle
Mon Jun 05, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Benefits of waiting to convert $4,000,000 in IRAs into Roth
Replies: 41
Views: 5055

Re: Benefits of waiting to convert $4,000,000 in IRAs into Roth

I anticipate that our post-retirement tax rate will most likely be 39.6% Is this from stock/bond investment income? After 28% tax bracket, you should consider tax-free bonds. And for stocks, they should mostly be qualified dividends It is likely the Op did mean stock/bond investment income if they ...
by BrandonBogle
Mon Jun 05, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Benefits of waiting to convert $4,000,000 in IRAs into Roth
Replies: 41
Views: 5055

Re: Benefits of waiting to convert $4,000,000 in IRAs into Roth

No sense in converting it today, but the Op doesn't say anything about if early retirement is coming, how close to retirement they are, etc. If they are in their 40s and retiring at the end of the year, yeah, convert starting next year. Without the rest of the picture though, the only thing is what ...
by BrandonBogle
Sun Jun 04, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Mobile phone SIM advice for multiple countries in Europe
Replies: 30
Views: 1695

Re: Mobile phone SIM advice for multiple countries in Europe

You might want to see my similar thread from a couple weeks ago: Europe Cell Roaming after July 2017 Question Basically, the rules are changing for EU countries in about 6 weeks. After that time, a EU-local SIM will treat all of the EU as the home market, with data/text/calls roaming being nonexist...
by BrandonBogle
Sun Jun 04, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: Mobile phone SIM advice for multiple countries in Europe
Replies: 30
Views: 1695

Re: Mobile phone SIM advice for multiple countries in Europe

You might want to see my similar thread from a couple weeks ago: Europe Cell Roaming after July 2017 Question Basically, the rules are changing for EU countries in about 6 weeks. After that time, a EU-local SIM will treat all of the EU as the home market, with data/text/calls roaming being nonexiste...