Search found 2128 matches

by BrandonBogle
Wed Jan 16, 2019 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: 5 year CDs @Penfed mature 1/22/19
Replies: 30
Views: 3060

Re: 5 year CDs @Penfed mature 1/22/19

Kevin, I am sad to hear they gave you such trouble with that. It was a pretty painfree process when we did it, but that may be because I didn’t speak with someone. We filled out their form and indicated the funds to go into the IRA share first. Then the following day from that transfer we submitted ...
by BrandonBogle
Wed Jan 16, 2019 5:57 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 818
Views: 39558

Re: John Bogle is dead at 89

We lost a pioneer and a pillar today. I am fortunate to have met Jack twice, at Bogleheads 2014 and Bogleheads 2018. A humble, amazing man who didn’t take no for an answer and changed all our lives because of it. We are your legacy. You are missed Jack!
by BrandonBogle
Thu Jan 10, 2019 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Turbo Tax savings
Replies: 2
Views: 448

Re: 2019 Turbo Tax savings

Op, do you actually mean 2018 TurboTax that you can download to do the taxes generally due April 15, 2019? Or do you really mean 2019 TurboTax for April 15, 2020 and are getting an early start on the topic?

If the former, see the other thread. If the latter, see the other thread lol.
by BrandonBogle
Fri Jan 04, 2019 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: 5 year CDs @Penfed mature 1/22/19
Replies: 30
Views: 3060

Re: 5 year CDs @Penfed mature 1/22/19

carolinaman, in my opinion, the quoted language clearly does not limit penalty free, partial withdrawals to RMDs. I think it's pretty clear in its intent that the only conditions for effecting a withdrawal without penalty is that it be "partial" in nature and that the member be over the age of 59.5...
by BrandonBogle
Fri Jan 04, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 302
Views: 39163

Re: TurboTax Prices

Hate to say it, but there's almost a 100% chance that you're using pirated software. It's unlikely that it's going to steal your data or do anything nefarious, but if you're morally OK with using pirated software, why even buy it at all? Just use BitTorrent or whatever the kids are using these days...
by BrandonBogle
Fri Jan 04, 2019 1:53 am
Forum: Personal Finance (Not Investing)
Topic: HSA Contribution
Replies: 10
Views: 681

Re: HSA Contribution

So for the "testing period" rule. If I started my job in June 2018, which has HDHP. I can contribute 7/12th of contribution limit for 2018? And can contribute to the limit if I have the HDHP all of 2019...BUT if I leave my job in June 2019, I can still contributed 6/12th of the 2019 limit? This is ...
by BrandonBogle
Wed Jan 02, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Can frozen credit cause problems opening an HSA?
Replies: 9
Views: 630

Re: Can frozen credit cause problems opening an HSA?

We still haven't received our sign-up materials, so we called Optum. Just got off the phone with them, turns out the problem was that DW's employer turned in DW's paperwork to Optum giving our PO box as our address, but Optum says they have to have a physical address (not a PO box) in order to open...
by BrandonBogle
Tue Jan 01, 2019 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Can frozen credit cause problems opening an HSA?
Replies: 9
Views: 630

Re: Can frozen credit cause problems opening an HSA?

I have my credit reports frozen as well as my ChexSystems report that banks often use. While opening other accounts this has sometimes caused grief, my employer opened an HSA for me without issue at Optum Bank. I called specifically to ask about this since I knew sometimes I had problems getting acc...
by BrandonBogle
Tue Jan 01, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 338
Views: 23544

Re: Talk me out of buying a Tesla Model 3

I bought EAP at the time of purchase, why buy a Tesla without the self-driving...right? On the other hand, why buy a car that's so much fun to drive and rely on the car to drive itself, depriving yourself of the fun driving experience? Neither my S nor my 3 have AutoPilot. It works for me. But if I...
by BrandonBogle
Sun Dec 30, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 302
Views: 39163

Re: TurboTax Prices

To echo others and share my input, I haven’t used FreeTaxUSA, but I have used TurboTax (online and download), TaxAct (online and download), and H&R Block (download). I have found I prefer the download option, not only because I prefer to hold onto my data vs. uploading it, but because I like “modeli...
by BrandonBogle
Fri Dec 28, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 302
Views: 39163

Re: TurboTax Prices

Prices for deluxe and premier include a $10 Amazon gift card for today only. $30 for deluxe $40 for deluxe plus state $55 for premier plus state Awesome. My order from Wednesday hadn't been delivered yet, so I tried contacting Amazon to ask if they could price adjust. The rep was very kind and whil...
by BrandonBogle
Wed Dec 26, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 302
Views: 39163

Re: TurboTax Prices

I consulted professor Google and answered my own Question. Yes, Deluxe includes Schedule C. To clarify though for others, the local computer software version (install a program on your computer via CD or download) includes Schedule C. If you use the online version (filling out forms at TurboTax.com...
by BrandonBogle
Wed Dec 26, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 302
Views: 39163

Re: TurboTax Prices

Just as a note in case it helps anyone, DiscoverCard is offering 5% cash back at Amazon this quarter.
by BrandonBogle
Thu Dec 20, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 123
Views: 6049

Re: Should I buy a Tesla?

Recall all natural gas appliances. This happened in some neighboring towns recently; luckily only 1 death, but massive disruption to families and businesses, some of which are still without heat. On September 13, 2018, excessive pressure in natural gas lines owned by Columbia Gas caused a series of...
by BrandonBogle
Wed Dec 19, 2018 11:31 pm
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 123
Views: 6049

Re: Should I buy a Tesla?

The average Model 3 insurance cost across 150 ZIP codes is $2,814 per year. From Automotive News https://www.autonews.com/article/20180825/RETAIL01/180829804/tesla-s-affordable-model-3-is-expensive-to-insure My 2018 Model 3 Midrange is $60/year more expensive than the 2010 Lexus IS it replaced. Jus...
by BrandonBogle
Wed Dec 19, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 123
Views: 6049

Re: Should I buy a Tesla?

The average Model 3 insurance cost across 150 ZIP codes is $2,814 per year. From Automotive News https://www.autonews.com/article/20180825/RETAIL01/180829804/tesla-s-affordable-model-3-is-expensive-to-insure My 2018 Model 3 Midrange is $60/year more expensive than the 2010 Lexus IS it replaced. Jus...
by BrandonBogle
Tue Dec 18, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 129
Views: 13129

Re: Is anyone's portfolio not tanking???

... my monthly contributions are still keeping me at pretty much the same balance. I think we went down a little between November 1 and December 1 (I only check the balance on the first of each month), but not down by enough for me to call it "tanking." ... Pretty much the trend seems to be I add m...
by BrandonBogle
Tue Dec 18, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 123
Views: 6049

Re: Should I buy a Tesla?

I find it funny that if this was any other model of car and it had the same reliability issues as Tesla, you'd be laughed off the forum if you asked whether it was smart to spend $50k on it. A FIAT would be twice as reliable....a FIAT. What's double sad is that an electric car should be a lot more ...
by BrandonBogle
Mon Dec 17, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 123
Views: 6049

Re: Should I buy a Tesla?

A trade-in can make sense if you factor in sales tax, I think. If you buy a $40,000 car, but trade in a $25,000 car, you only pay sales tax on the $15,000. If you sold your car to someone else, then bought the new car, you'd pay sales tax on the full $40,000. If sales tax is 8%, trading in would sa...
by BrandonBogle
Fri Dec 14, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 123
Views: 6049

Re: Should I buy a Tesla?

Pennylane, as others have chimed in, your income and current savings support making such an expense, but I still would honestly recommend you wait until you've had a few months into the new job before you make any big decisions -- unless your current vehicle has broken down. While you have good savi...
by BrandonBogle
Thu Dec 06, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Questions to Tesla owners
Replies: 17
Views: 2401

Re: Questions to Tesla owners

Most of the regenerative got disabled too (all dots on the left of that magic line) I was planning on charging it couple of days a week given that I drive 60 miles a day but that is not going to work for me during the winter season. It looks like Tesla needs to use significant energy of the battery...
by BrandonBogle
Wed Dec 05, 2018 5:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 186
Views: 43809

Re: Vanguard has switched to brokerage only accounts

I would suspect that absent some big issue, now that Vanguard only opens brokerage accounts (no exception scenarios still?), they are likely to "functionally stabilize" the mutual fund platform and let the owners of these accounts age out. Having visited their campus during the Bogleheads campuses, ...
by BrandonBogle
Wed Dec 05, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: Questions to Tesla owners
Replies: 17
Views: 2401

Re: Questions to Tesla owners

I was able to set up both garage door openers but not chose auto open or auto close option. The book mentions that once I come near my house, the home link button should automatically "drop down". It did not happen for me. In my other cars, I press the button well before turning in to the driveway ...
by BrandonBogle
Tue Dec 04, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Questions to Tesla owners
Replies: 17
Views: 2401

Re: Questions to Tesla owners

I was able to set up both garage door openers but not chose auto open or auto close option. The book mentions that once I come near my house, the home link button should automatically "drop down". It did not happen for me. In my other cars, I press the button well before turning in to the driveway ...
by BrandonBogle
Sun Dec 02, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: Questions to Tesla owners
Replies: 17
Views: 2401

Re: Questions to Tesla owners

Another stupid question; An ICE car once doors are unlocked, has many different states such as ACC_ON/IGN_ON/ENG_RUNNING. Does Tesla have only AWAKE/SLEEPING states while in UNLOCKED condition? And is it automatically in AWAKE (at least for a while) once unlocked? There are more states if you get t...
by BrandonBogle
Sun Dec 02, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Questions to Tesla owners
Replies: 17
Views: 2401

Re: Questions to Tesla owners

Btw you can get a car put on two different Tesla accounts for the purpose of car control. However it can only support the app, not the Tesla Dashboard that has the “Manage XYZ” screen. You create the additional account on Tesla.com the same as if you were buying a car, then send an email from your a...
by BrandonBogle
Wed Nov 07, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 338
Views: 23544

Re: Talk me out of buying a Tesla Model 3

Chargepoint also has an iPhone app that allows you to use your phone, a la Apple Pay, to activate a charger. Saves me from having to carry their RFID tag. Enjoy the car! I agree that the long-range version has ample power and the Performance version is an unnecessary luxury, but I'm glad I sprung f...
by BrandonBogle
Wed Nov 07, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Moving TMobile account from flip phone to iPhone
Replies: 17
Views: 757

Re: Moving TMobile account from flip phone to iPhone

I wanted to echo others that if you do not want to use the newer functions of your iPhone on mobile (like web browsing when not on wifi), you could just have someone switch the service WITHOUT switching the phone to a new nano SIM and pop that into your flip phone with an adapter to make it whatever...
by BrandonBogle
Sat Nov 03, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Model 3 Mid-Range or Volt
Replies: 27
Views: 2326

Re: Model 3 Mid-Range or Volt

Unless you're already on the wait list for a Model 3, don't count on getting much of a tax benefit. I think the wait list is at least 2 years. You can get a Volt now. While I agree with much of what you wrote, I would be remiss to mention that the available Model 3 configurations (not all are avail...
by BrandonBogle
Wed Oct 31, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Model 3 Mid-Range or Volt
Replies: 27
Views: 2326

Re: Model 3 Mid-Range or Volt

As others here suggest, you really should have some behind the wheel time of each, seeing how well you like the drive and comfort of each, particularly if you are driving 65+ miles daily. You also need to account for any options you want/must buy. Full disclosure: I personally am a Tesla owner, havi...
by BrandonBogle
Thu Oct 25, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 114
Views: 11856

Re: $34k Volt vs $54k Model 3?--help me decide??

Did you drive both performance AWD and long range RWD before ordering mid range RWD? I think "slight difference in acceleration" is quite an understatement. P3D was off the scale for me. This is how I feel every time I drive a PxxxD instead of my 85 RWD S. "Slight" difference is definitely a big un...
by BrandonBogle
Wed Oct 24, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 114
Views: 11856

Re: $34k Volt vs $54k Model 3?--help me decide??

wrongfunds wrote:
Wed Oct 24, 2018 2:48 pm
I put the order for the cheapest one yesterday. It is possible that I might end up taking delivery on the expensive one in the end but I wanted to have a stake in the ground after reserving one on day one.
Congrats! Crossing my fingers for a late Nov/December delivery for a full credit for you!
by BrandonBogle
Wed Sep 26, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16353

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: 7768

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: 1153

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: 1492

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: 5338

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: 899

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: 7768

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: 899

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: 4332

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: 16353

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: 16353

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: 75
Views: 6230

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: 662

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: 10912

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: 10912

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: 10912

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: 10912

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: 10912

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...