Search found 2096 matches

by BrandonBogle
Wed Sep 26, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15796

Re: iPhone XS Max

No matter what anyone says $1100+ is outrageous. You can try to justify it all you like and in fact apple love it when you do. That is what has helped them be so successful and rich. Keep buying guys and girls so my TSM will rise. Maybe I should just buy apple stock after reading some of these comm...
by BrandonBogle
Wed Sep 19, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 98
Views: 7567

Re: Leasing Cars in Retirement

Why would a lender approve a loan for an unemployed retiree? Because said retiree has non-wage income, such as from 401k's, IRA's, social security, and rental properties. Yes, but if they are trying to limit withdrawals due to taxes, they may not have the reported income to support the loan. It was...
by BrandonBogle
Mon Sep 17, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Suntrust Bank online banking has been down since Sunday.
Replies: 9
Views: 1120

Re: Suntrust Bank online banking has been down since Sunday.

That has got to hurt. I'm sure it is very stressful in their various IT Operation groups. Heads are likely to roll after service is restored.
by BrandonBogle
Mon Sep 17, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: iphone xs--buy it sim free vs. on a network
Replies: 12
Views: 1408

Re: iphone xs--buy it sim free vs. on a network

To the Ops original question, if you plan on regularly traveling AND using both SIMs simultaneously (so you can keep receiving AT&T calls/texts and use a foreign SIM for data or whatever else you choose), the SIM free option wouldn't be bad. That said, while SIM-free itself isn't new, it isn't widel...
by BrandonBogle
Fri Sep 14, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Any reasons to not put money down for a Tesla Model 3?
Replies: 62
Views: 5168

Re: Any reasons to not put money down for a Tesla Model 3?

As from the article, there have been problems along the way, but to extrapolate out by assuming the worst might not be the best way to make a decision, so just be aware that things are in flux leading to a wide range of experiences. Uncertainty is a reasonable concern and people can decide if that'...
by BrandonBogle
Fri Sep 14, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: FaceID w driving? ... upgrading from 5S
Replies: 18
Views: 877

Re: FaceID w driving? ... upgrading from 5S

When my work lended me an iPhone 6s Plus, I just held down the Home button to activate the voice control prompt and said something like "Call Work" or "Call Conference Bridge" and it would dial the number. No need to take eyes off the road. If I had a newer iPhone with FaceID, I absolutely wouldn't...
by BrandonBogle
Fri Sep 14, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 98
Views: 7567

Re: Leasing Cars in Retirement

I apologize, but I fail to see how "in retirement" adds a dimension beyond the usual lease vs. buy discussions. Regardless of finances, there are perks to leasing and perks to buying. If the concern is liquidating assets to pay for a car (new or used), there are loans you can get on cars (new or use...
by BrandonBogle
Fri Sep 14, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: FaceID w driving? ... upgrading from 5S
Replies: 18
Views: 877

Re: FaceID w driving? ... upgrading from 5S

The key point in this scenario is that not only does FaceID need to be looking at you, you need to be looking at it if you have "require attention for Face ID" turned on. So you will end up needing to turn that off unless you plan to look at your phone for 0.5 seconds vs. the road (I don't advise th...
by BrandonBogle
Fri Sep 14, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard is requiring cell phone security codes - problem for international travel (UPDATE)
Replies: 65
Views: 3972

Re: Vanguard is requiring cell phone security codes - problem for international travel

I am completely bewildered by this entire thread. I log into Vanguard every evening to check the status of my portfolio, and I haven't had to use a cell phone security code in so long I can't remember. I spent 18 days in Europe in May and was able to log in from my iPad with no requirement to verif...
by BrandonBogle
Fri Sep 14, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15796

Re: iPhone XS Max

You do realize that even though the 7 Plus is physically larger than the X (6.23" x 3.07" for the 7 Plus, 5.65" x 2.79" for the X), the display on the X is actually larger (5.8" for the X. 5.5" for the 7 Plus)? This is what you gain by losing the top and bottom bezel. It's a very common misconcepti...
by BrandonBogle
Thu Sep 13, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15796

Re: iPhone XS Max

I have the 6s and the SE has the same processor. There is nothing I can't do with my 6s that I would need an upgrade. If I had better eyes, the SE for $150 would be the way to go. I guess some people always need the newest model, maybe it makes them feel important or superior to those who choose no...
by BrandonBogle
Wed Sep 12, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: You Invest from JP Morgan [free trades offer]
Replies: 69
Views: 4981

Re: You Invest from JP Morgan [free trades offer]

accrue wrote:
Mon Sep 10, 2018 7:43 pm
And does anyone know if VG charges a fee for external in-kind transfers?
VG does not.
by BrandonBogle
Mon Aug 27, 2018 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Overfunding 401k - how to correct?
Replies: 9
Views: 643

Re: Overfunding 401k - how to correct?

Sorry to hear you've had no luck with them working with you on stopping your withholding. As far as your latter statement about maxing out as soon as possible - I would do that except my current company has a quarterly match maximum - so if I don't stretch out my contributions across all four calen...
by BrandonBogle
Mon Aug 27, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 10720

Re: Take auto loan 0.9% if I can afford cash?

I have done the same by previously taking out loans on paid off cars I already own to put those funds to risk-free use for me. Where do you get this loan? Was it as low as 0.9%? Sounds like a reverse mortgage, but whatever it's called... I'd take it. I'm afraid it's too good to be true. Trust me.. ...
by BrandonBogle
Mon Aug 27, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 10720

Re: Take auto loan 0.9% if I can afford cash?

Does taking a cheap loan and putting the money somewhere with guaranteed higher return even count as leverage? Leverage involves risks. If someone loaned me $50k at 0.9% APR for three years and I put that money on a three-year 3.0% CD, there is no risk whatsoever. TravelforFun Aside from the fact t...
by BrandonBogle
Fri Aug 24, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 10720

Re: Take auto loan 0.9% if I can afford cash?

I must not be making myself clear. Why would a manufacturer/dealer, when interacting with an individual prospective buyer who is willing to pay cash, not prefer to sell the car for cash? And thus incent him to pay cash, ie, subsidize the cash buyer? Versus financing it for him at a below market int...
by BrandonBogle
Fri Aug 24, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 10720

Re: Take auto loan 0.9% if I can afford cash?

Is that without a transfer fee? Sometimes capped transfer fees, though the current one i have is 0% for 18-months with 1% transfer fee (so is that 0.75% effective rate?) that I put in a 2.26% APY FDIC-insured savings account that has a rate guarantee until September 2019 (can go up, won't go down).
by BrandonBogle
Fri Aug 24, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 10720

Re: Take auto loan 0.9% if I can afford cash?

Take the loan, then balance transfer into a 0% credit card to save even more money. Where do you find a 0% credit card? I used to get a lot of 0% offers for balance transfers for a limited period of time and I've taken advantage of them. They would even send you checks which you could turn into cas...
by BrandonBogle
Thu Aug 23, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: relationship issues - advise needed
Replies: 51
Views: 4194

Re: relationship issues - advise needed

I will echo others that if you decide to pursue marriage counseling resources (a counselor, time alone w/o distraction, what-have-you), to do that without consideration to the cost of it as it is far more likely that if you do go through divorce, the cost of these resources would be inconsequential ...
by BrandonBogle
Wed Aug 22, 2018 8:40 am
Forum: Investing - Theory, News & General
Topic: You Invest from JP Morgan [free trades offer]
Replies: 69
Views: 4981

Re: Discount broker stocks dive on news J.P. Morgan Chase to offer free trading

Also, I think they can lend your shares of VT and charge the short-seller interest. I have no idea how securities lending works, but doesn't Vanguard engage in lending of the stocks in VT? Can they do that while another entity simultaneously lends the shares of VT? The Vanguard Fund engages in secu...
by BrandonBogle
Mon Aug 20, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: My son was scammed on Craigslist- how to get money back
Replies: 46
Views: 7647

Re: My son was scammed on Craigslist- how to get money back

That is the trend now. Up until a couple of months ago Title Companies wouldn't take a cashiers check for more than $10,000. (These can be fake also). Now they will take them up to any amount. I have a $150,000 cash closing on Thursday and she will be bringing a cashiers check. This may be more reg...
by BrandonBogle
Mon Aug 20, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 10720

Re: Take auto loan 0.9% if I can afford cash?

If you owned the car debt free today, would you borrow against it and invest? I did. After I paid off the 4-year 0% loan on the car I could have paid cash for (instead putting the cash in CDs), six months later I took out a 5 year 1.49% loan from PenFed and used that to pay off my 4.5% student loan...
by BrandonBogle
Fri Aug 17, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 10720

Re: Take auto loan 0.9% if I can afford cash?

In prior discussions on this forum, many have promoted purchasing Toyota/Honda/Subaru/etc. vehicles new instead of used in light of the additional life you'd get out of the car (particularly if you drive them until they die) and the fact that they depreciate at a slower rate than American and Europ...
by BrandonBogle
Fri Aug 17, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 10720

Re: Take auto loan 0.9% if I can afford cash?

I'm echoing many other posters here, but I'll share anyways. The first point that some mentioned but I think deserves to be called out... Would you have the same insurance coverage and no extra add-ons (like extended warranties, gap, etc.) when buying the car w/ a loan vs. cash? If not, you need to ...
by BrandonBogle
Tue Jul 24, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 88
Views: 7872

Re: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?

It's like any other tech product — early adopters pay the most. Thinking a lot about this too, but I think the fact that I'll be driving 5x more next month with new job, and for both manufacturers need to hurry up an buy if I'm going to buy new to take advantage of the federal tax rebate. I think i...
by BrandonBogle
Wed Jul 11, 2018 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Northern Bank Direct MM - 2.26% APY (offer ended 6/20/18)
Replies: 22
Views: 3181

Re: Northern Bank Direct MM - 2.26% APY (offer ended 6/20/18)

Kevin M wrote:
Wed Jul 11, 2018 2:47 pm
I'm a bit bummed, as I just found and opened a local savings account at 2.50% guaranteed through 12/31/2019!

Kevin
That is an awesome rate. Great find!
by BrandonBogle
Wed Jul 11, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 111542

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

The Federal tax incentive runs at 100% for two quarters upon hitting 200k U.S. cars for that manufacturer, including the quarter 200k is reached. Then it is 50% for two more quarters and finally 25% for two more. So if Tesla hits 200k anytime before Sept 1, the full $7,500 credit is available until ...
by BrandonBogle
Wed Jul 11, 2018 6:20 am
Forum: Investing - Help with Personal Investments
Topic: Northern Bank Direct MM - 2.26% APY (offer ended 6/20/18)
Replies: 22
Views: 3181

Re: Northern Bank Direct MM - 2.26% APY (offer ended 6/20/18)

I have faith they will honor the rate Just wanted to mention that yesterday 7/10 I received my signature card and account disclosures dated June 29th. The disclosures state I will get the 2.26% APY for $0.01-$250k and it is guaranteed through June 30, 2019. While as Kevin mention this account proce...
by BrandonBogle
Fri Jul 06, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle is not a "buy&hold at any price goose", he looks at valuations, he sold his stocks in year 2000
Replies: 48
Views: 6947

Re: Jack Bogle is not a "buy&hold at any price goose", he looks at valuations, he sold his stocks in year 2000

By reading this forum I have always felt like most users here think CAPE and other stocks valuations are useless. The only motto for many people seems to be: "buy&hold, never mind stocks valuations, just buy&hold!" It's just called "buy&hold"; You don't actually just hold your stocks and bonds! Wha...
by BrandonBogle
Fri Jul 06, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Owning 3 vehicles
Replies: 30
Views: 3267

Re: Owning 3 vehicles

While you’ve said the Leaf is used for commuting and HOV lane access, what role does the Prius serve? If this is truly just a “too small for regular excursions” function vs. “we want to treat ourselves” function, I’d be leaning towards changing the Prius. But if the regular excursions are currently ...
by BrandonBogle
Thu Jul 05, 2018 11:44 pm
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 88
Views: 7872

Re: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?

All good points (though in NC with our two service centers, I've never experienced a wait and the only time I had to wait to Supercharge was during the Solar Eclipse a couple months back - a whole 45 second wait while someone ran up and moved their car when I pulled up). And when you consider most o...
by BrandonBogle
Thu Jul 05, 2018 10:56 pm
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 88
Views: 7872

Re: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?

Just another word now that we have more “big picture” details. The 2012 Vilt will be a fine vehicle and you can’t go wrong with it. That said, if you want to treat yourself and have options, you could get the Model ≡ and keep the Volt for work. You already have an X, so it may be fine to just take D...
by BrandonBogle
Thu Jul 05, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4905

Re: Is there a current car without a console between the front seats?

Like a few other posters suggested, the Honda Fit would potentially work even though it technically has a center console. If you get the prior generation (and thus being Bogleheadish and buying used) it would look like this. The driver’s seat has an armrest that folds up, the passenger side doesn’t ...
by BrandonBogle
Thu Jul 05, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 111542

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

As skeptical as I am about recent Teslas, I am a huge fan of EVs. Especially in an urban environment. I have ChargePoint charger which knows my electricity rates. According to the App I drove 683 miles in June and it cost me $21. Would have been $181.42 in the BMW X1. I like their charts. The cost ...
by BrandonBogle
Thu Jul 05, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 111542

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

This means the usual behavior of always refilling a gas tank to full is not necessary even for long trips, and instead using the Supercharger just enough to get to the destination can be sufficient, so one doesn't need to always compare the time to completely refill a gas tank vs time to completely...
by BrandonBogle
Thu Jul 05, 2018 10:37 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle is not a "buy&hold at any price goose", he looks at valuations, he sold his stocks in year 2000
Replies: 48
Views: 6947

Re: Jack Bogle is not a "buy&hold at any price goose", he looks at valuations, he sold his stocks in year 2000

In all fairness to Bogle, he was also motivated to de-risk his portfolio at that time because his health was failing him. He wanted to make sure his estate was safe. True! But he still says "if for whatever sound reason, and not emotional reason, and market looks substantially overvalued (don't wor...
by BrandonBogle
Thu Jul 05, 2018 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Can't participate in 401k for 1 year
Replies: 33
Views: 2622

Re: Can't participate in 401k for 1 year

My employer has a similar, but not quite 401k. It is a safe harbor plan and it has a one-year period before employer contributions. That said, you can begin employee contributions almost immediately (I think it is actually the beginning of the month after hire) - they will just be unmatched until yo...
by BrandonBogle
Thu Jul 05, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 111542

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

so for this particular trip, I would probably need less than 5 minutes of supercharging. If you factor in not needing to deal with a credit card transaction, entering zip code, selecting grade, etc; it could be more convenient supercharging a SR than our current gas vehicle. Hmm.. maybe we could ju...
by BrandonBogle
Thu Jul 05, 2018 1:15 am
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 88
Views: 7872

Re: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?

The credit will remain for the rest of the year and you are very likely to get one ordering anytime in July. Folks in the past week are already being scheduled for delivery. Any particular reason why you aren’t considering the Bolt vs. the new Volt? I saw because I’ve heard there are some good deals...
by BrandonBogle
Thu Jul 05, 2018 1:10 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 111542

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

That's a net effective price difference of $5,250 all other options being equal (and we would lean toward PUP anyway). What are people using as the key decision points for LR vs. SR? How many longer trips/year makes it worthwhile if the daily driving is easily handled with SR? That’s where we are a...
by BrandonBogle
Thu Jul 05, 2018 12:36 am
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 88
Views: 7872

Re: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?

My earlier opinion would change if you would get a stipend for buying a vehicle for work purposes (one of my hospital techs gets that, which is great as he drives 50k mile/year regionally). My earlier thoughts were based on this coming out of the Op’s own pocket vs. the employer’s.
by BrandonBogle
Thu Jul 05, 2018 12:34 am
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 88
Views: 7872

Re: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?

I’m going to be the contrarian here. If this is going to predominantly be your commuting vehicle, I would drive the 2012 into the ground. I’m a Tesla Model S Owners. I love my car and after a year of keeping my Toyota alongside it, I kept just the S. That said, at 25k miles/year, you would only get ...
by BrandonBogle
Sun Jul 01, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 111542

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

Similar to the $35k Model 3, everyone who ordered one was eventually able to get one. :) Maybe. Or maybe this discontinue the 35k model due to lack of demand before shipping any:) And for what it is worth I am not really making fun of Tesla. There are tons of cars out there where it is tough to fin...
by BrandonBogle
Fri Jun 29, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 111542

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

Wow, $61k. That's too much for this vehicle. But that's just me. I was interested at $35k (with $7,500 credit). Perhaps I would consider a few options at $45k max. If you look at Teslas history, nobody should have expected a 35k car. I want to say the Model S was a 55k car when announced:) The ques...
by BrandonBogle
Fri Jun 29, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 111542

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

As others have reported, taking a "non-refundable" down payment on the vehicle once your lock your order is standard practice for Tesla. Taking the down payment/deposit is customary for all manufacturers - though I suspect that many would make the it "refundable* - * = subject to the dealer finding ...
by BrandonBogle
Fri Jun 29, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 156
Views: 17500

Re: IRS publishes draft 2018 1040 - Huge changes made

The modern use of the word "Luddite" was coined by high-tech industries that benefit from addicting people to their products (smartphones) and services (Facebook and other social media). At the same time, schools teach mathematics as plugging numbers into algorithms rather than teaching identificat...
by BrandonBogle
Wed Jun 27, 2018 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Northern Bank Direct MM - 2.26% APY (offer ended 6/20/18)
Replies: 22
Views: 3181

Re: Northern Bank Direct MM - 2.26% APY (offer ended 6/20/18)

My account was opened a couple days after my last post. They asked if I wanted to email my routing and account number for my opening deposit, or mail a check. I chose the latter. Waiting on the docs so I can mail in that check. I’ve started getting some emails, but I don’t have an account number of ...
by BrandonBogle
Tue Jun 26, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 111542

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

The decision on whether to take delivery or not for a model 3 seems to hinge on 2 things. Do you believe that Tesla has solved the quality issues and that the cars being produced today will have low number of issues in both short and long term? And, do you believe Tesla will be in business for many...
by BrandonBogle
Mon Jun 25, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22302

Re: Did you celebrate when you finally hit $1m?

I'm surprised to see a majority of you barely noticed or cared! I guess it all depends on your perspective. Sure, it's just a number and your life doesn't change from when you had $990,000, but it's the milestone that counts. ... $1m is probably the biggest mark one can hit, and while nothing chang...
by BrandonBogle
Mon Jun 25, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22302

Re: Did you celebrate when you finally hit $1m?

DW and I did nothing as it was "impalpable" to both of us. Many digits later, same thing. Although we do enjoy grocery shopping without worrying about the bill. Or going to Walmart and buying what we need without fussing about the costs. Lifestyle is the same so I'm not sure what or why to celebrat...