Search found 1463 matches

by BrandonBogle
Wed Oct 26, 2016 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Withdrawal Issues (ACH/EFT vs. Check)
Replies: 6
Views: 684

Re: Vanguard Withdrawal Issues (ACH/EFT vs. Check)

Well this morning they finally said "the problem". The account I selected from the drop-down is only enabled on one of the accounts, not all of them. So even though the website let me pick this from the drop down and even though it was listed correctly on the "Review and Submit" ...
by BrandonBogle
Tue Oct 25, 2016 1:18 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 928
Views: 145103

Re: Tesla S

It's really not a $1K penalty to activate EAP after delivery because you don't get charged sales tax on the activation. The activation, I as recall, is considered a Service. If you bought at the factory, you'd have to pay sales taxes. And depending where you live, the difference could be $400-600. ...
by BrandonBogle
Tue Oct 25, 2016 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Withdrawal Issues (ACH/EFT vs. Check)
Replies: 6
Views: 684

Re: Vanguard Withdrawal Issues (ACH/EFT vs. Check)

It occurs to me that the transaction might be too large for ACH; i.e., perhaps Vanguard has a policy that says an ACH > $X must be issued as a paper check. (They still ought to provide a warning...) That same thought had occurred to me. As you mentioned, they should provide a warning. In fact, it s...
by BrandonBogle
Tue Oct 25, 2016 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Withdrawal Issues (ACH/EFT vs. Check)
Replies: 6
Views: 684

Re: Vanguard Withdrawal Issues (ACH/EFT vs. Check)

Is your account the new and improved brokerage account? I did similar transactions in the old mutual funds only account and never had such a problem. I hope that Vanguard fixes the software glitch very soon. My account is not converted. Still the old mutual fund-only account with separate sub-accou...
by BrandonBogle
Tue Oct 25, 2016 7:52 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Withdrawal Issues (ACH/EFT vs. Check)
Replies: 6
Views: 684

Vanguard Withdrawal Issues (ACH/EFT vs. Check)

Good day Bogleheads. Need to vent a little bit, but also wondering how this can even happen. We are in the middle of a big purchase and decided to liquidate some holdings to pay for this purchase. I am happy I decided to do this a few days early. So I went online to make a sell order, fill out what ...
by BrandonBogle
Wed Oct 12, 2016 8:10 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 928
Views: 145103

Re: Tesla S

I wish they had only expanded it over the app icons and left the status bar at the top unobstructed. Network status, locked/unlocked, time, etc. all would remain visible at all times and you still get over an inch more map. I like it better as it was, the screen real estate taken by the app icons i...
by BrandonBogle
Tue Oct 11, 2016 11:13 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 928
Views: 145103

Re: Tesla S

I do agree with him that I would rather keep the top line showing instead of playing hide-and-seek with the icons. I agree with this, and it's a common complaint, but it's not that big of a deal to me. Now it takes two taps instead of one to activate an app. The rationale was to increase the space ...
by BrandonBogle
Sat Oct 08, 2016 9:44 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 928
Views: 145103

Re: Tesla S

The big thief, as in ICE cars, is speed and acceleration. If what I've read is correct then yes, speed has a really big impact due to increased air resistance. That is why the car drag coefficient is so important. I've also read that acceleration has a relatively minor effect on range. Generally sp...
by BrandonBogle
Fri Oct 07, 2016 9:11 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 928
Views: 145103

Re: Tesla S

Anyone ever hit an unexpected condition, like strong headwinds, and ran out of juice? What happens then? Can you call Tesla's roadside service to bail you out? Not like adding a gallon of gasoline to get you going. Tesla Roadside Assistance will provide you one courtesy tow for running out of juice...
by BrandonBogle
Wed Oct 05, 2016 8:51 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 928
Views: 145103

Re: Tesla S

I couldn't agree more with Kevin and similarly have a positive experience on my 2013 as he has had. The times I needed service, I get an appointment the same week, a Tesla is dropped at my door, my car is taken there, serviced, and brought back to my door. I have only had Tesla loaners. You say you...
by BrandonBogle
Wed Oct 05, 2016 3:48 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 928
Views: 145103

Re: Tesla S

I couldn't agree more with Kevin and similarly have a positive experience on my 2013 as he has had. Now, my background experience is with Toyota and Lexus, so I haven't experienced the big "luxurious" service experience from the other makes. The times I needed service, I get an appointment...
by BrandonBogle
Sun Oct 02, 2016 10:45 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 928
Views: 145103

Re: Tesla S

The breaks while Supercharging have been welcome I believe you are sincere that you enjoy 45 minute breaks every 2 hours on a long trip, but I find the concept ridiculous (Especially that you can't stop anywhere you want to explore, but only in designated SuperCharger locations). I'm fine with peop...
by BrandonBogle
Sun Oct 02, 2016 10:28 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 928
Views: 145103

Re: Tesla S

Thanks BrandonBogle. May I ask about insurance? I checked today. I've been using Mercury. Their price has been very reasonable. Even my current car, a Porsche Boxster, seems inexpensive. But a Tesla seems to be another story. I asked about a MS 90D. They said it depends on price, but if the car com...
by BrandonBogle
Thu Sep 29, 2016 9:36 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 928
Views: 145103

Re: Tesla S

Have you tried a long distance trip in the Tesla? I've been to DC once, Atlanta twice, Miami five times, Key West once, and Orlando once, all in my S. Absolutely fantastic experience. I hated driving in my 4Runner even to Atlanta and couldn't wait to be done with the drive. Now I look forward to it...
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: 5380

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: 2248

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: 289
Views: 39544

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: 8804

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: 289
Views: 39544

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: 289
Views: 39544

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: 289
Views: 39544

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: 4045

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: 21025

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: 21025

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: 21025

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: 21025

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: 118
Views: 18014

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: 260
Views: 40152

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: 6976

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: 13897

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: 13897

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: 3960

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: 3960

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: 3960

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: 3960

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: 928
Views: 145103

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: 928
Views: 145103

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: 928
Views: 145103

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: 4330

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: 3990

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: 928
Views: 145103

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: 928
Views: 145103

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: 928
Views: 145103

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: 10341

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: 928
Views: 145103

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: 3285

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: 928
Views: 145103

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: 3285

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: 6174

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: 11393

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" ...

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