Search found 2046 matches

by BrandonBogle
Thu Jun 21, 2018 12:19 pm
Forum: Investing - Theory, News & General
Topic: VEUSX Time To Sell?
Replies: 17
Views: 656

Re: VEUSX Time To Sell?

The offerings in my 401k are all actively managed, so that is probably part of the reason the international has lagged. I only have a few choices and it turned out the international one was not the best. I think I also have better choices in the open market than VEUSX. I think it was Buffett that s...
by BrandonBogle
Wed Jun 20, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

Remember that no other EV is close to reaching the fed tax sales limit. so once they reach that limit (3 to 5 years at a minimum), TSLA should hit the first phase-out cap (200k deliveries) in the coming days. If after July 1 for the 200,000'th delivery, the current federal tax credit gets cut in ha...
by BrandonBogle
Wed Jun 20, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

I reserved a Model 3 on April 3, 2016. I cancelled in Feb 2017 after I realized Musk lied and there would never be a realistic opportunity to buy a $35k Model 3. I think this where some folks fundamentally disagree (at least in this thread). I totally believe there will be a "realistic opportunity ...
by BrandonBogle
Mon Jun 18, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 49
Views: 3098

Re: "distilled" water for wife's CPAP machine

While my instinctual reaction to your question is "no", I honestly am just expressing an opinion without any support. That said, is finding the distilled water a concern? I buy a gallon of it about once every 2-3 months for $0.78 while I'm out for groceries anyways (my CPAP is the only item I use it...
by BrandonBogle
Mon Jun 18, 2018 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Northern Bank Direct MM - 2.26% APY
Replies: 14
Views: 2117

Re: Northern Bank Direct MM - 2.26% APY

I emailed back to see if I could get clarification sooner and got a reply stating that a freeze on my ChexSystems account prevented the approval process from proceeding. When I spoke to the CSR yesterday though, they said the bank performs a soft pull and didn't think the freeze would prevent it. A...
by BrandonBogle
Fri Jun 15, 2018 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Northern Bank Direct MM - 2.26% APY
Replies: 14
Views: 2117

Re: Northern Bank Direct MM - 2.26% APY

Update: I received a form letter email today stating the following... Hello, Unfortunately at this time we will not be able to process your application. We will be sending a letter in the mail with further information on this matter. Thank you, I emailed back to see if I could get clarification soo...
by BrandonBogle
Thu Jun 14, 2018 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Sell T & buy VZ to realize a $10,000 loss?
Replies: 14
Views: 978

Re: Sell T & buy VZ to realize a $10,000 loss?

When I first became a Boglehead, I did hold a number of individual stocks. In balancing my portfolio, I lumped all of them together and called them "Individual stocks similar to S&P 500 members". I then count that as part of my S&P 500 composition and use a completion index to mimic Total US Stock M...
by BrandonBogle
Thu Jun 14, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Google voice in Europe
Replies: 5
Views: 279

Re: Google voice in Europe

I've occasionally connected to the Google Voice website from other countries without issue. You can do so from a laptop, public internet cafe (I would NOT recommend this though), a phone, etc. Nothing restricting GV as long as the Internet connection you are using lets you get to the website. An alt...
by BrandonBogle
Thu Jun 14, 2018 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Russell 2000 Opinions
Replies: 8
Views: 644

Re: Russell 2000 Opinions

While I can't comment on DFSTX, my 401k offers a Russell 2000 Index Fund in addition to an S&P 500 Index Fund. Sadly, there is no Total US Stock Market fund in my 401k. Since I am a 3-fund portfolio, I use these two funds in my 401k to approximate Total US Stock Market. There is wiki entry about the...
by BrandonBogle
Mon Jun 11, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

I also reserved a model 3 with a 1k deposit. After waiting at least a year for delivery, I decided that the price had become too rich for me. So I cancelled my reservation and received a return of my deposit. I am now thinking that a chevy volt would work best for my wife and I. We seem to travel m...
by BrandonBogle
Mon Jun 11, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

It is not a sound financial decision to spend a lot of money on a car. Knowing that, I ordered the AWD, not because its 0-60 time is 0.6s seconds less than the RWD equivalent, but because I expect better handling in the snow. Looking forward to taking delivery in a few months. Worst financial decis...
by BrandonBogle
Mon Jun 11, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

For me, the touchscreen isn't an issue. Almost all the controls I normally access when driving are on the stalks and scroll wheels/buttons. The only exception is the wipers if I want to override the auto setting. In that case I need to touch the screen once. I guess if I routinely adjusted the mirr...
by BrandonBogle
Fri Jun 08, 2018 1:32 pm
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 7387

Re: VMMXX (Vanguard Prime MM) risks

On a related note, I hadn't noticed VMMXX got up there recently, with it's SEC Yield around 1.9% at this point. If the risk of breaking the buck is acceptable to an investor, anyone see a reason to not move funds from Ally @ 1.6% into VMMXX ?
by BrandonBogle
Fri Jun 08, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: Maturing Credit Union 3% CD's this year
Replies: 34
Views: 2831

Re: Maturing Credit Union 3% CD's this year

I've been getting 2.85% or better on secondary market at Fidelity. Higher yield than the 5-year Treasury and much less term risk. New-issue 3-year CD is 3.00%, and I've been getting 3.07% or better on secondary market. Kevin, I have a Fidelity Brokerage account (taxable though). From what I can tel...
by BrandonBogle
Fri Jun 08, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

I am reading comments but not understanding. The Tesla autopilot is in beta mode as manual explicates. Eyes on road and hands on steering wheel at all times. That should not be so difficult for drivers to understand. All the so called autopilot crashes seemingly could have been easily avoided if dr...
by BrandonBogle
Fri Jun 08, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

I don't think this is just a limitation of Tesla's AutoPilot, but that is the system I am familiar with and will focus on that. One (major) limitation in AutoPilot (and potentially all driver assist systems on the market today) is that they do not deal with stationary, unmoving objections very well...
by BrandonBogle
Fri Jun 08, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: Maturing Credit Union 3% CD's this year
Replies: 34
Views: 2831

Re: Maturing Credit Union 3% CD's this year

I've been getting 2.85% or better on secondary market at Fidelity. Higher yield than the 5-year Treasury and much less term risk. New-issue 3-year CD is 3.00%, and I've been getting 3.07% or better on secondary market. Kevin, I have a Fidelity Brokerage account (taxable though). From what I can tel...
by BrandonBogle
Fri Jun 08, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

So, regarding one of the recent Autopilot crashes, the NTSB issued its report. It looks like the car didn't just fail to break, but actually accelerated from 62 to 70 mph 3 seconds before the fatal crash. The driver appears to have had hands off the wheel at that time. Both are at fault, but I'm no...
by BrandonBogle
Mon Jun 04, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: steel cut oats in bulk
Replies: 50
Views: 4098

Re: steel cut oats in bulk

This is off-topic but does not deserve its own thread. Normally, I avoid carbohydrates and thus I avoid grains. But as an experiment, I have purchased some steel-cut oats at Whole Foods, from a bulk bin where I could get a small quantity at a good price. I then surfed the web for advice on eating u...
by BrandonBogle
Mon Jun 04, 2018 7:27 am
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 75
Views: 5656

Re: What is your Take Home Pay / Gross Pay ratio?

I will throw my hat in this ring, but like others have said, it isn't as meaningful when you don't look at all the variables (such as how I max out my 401k annually or the bonus that has been paid every year). I generally have a tax refund or balance due around $0 - $250. 58% A better measure would ...
by BrandonBogle
Fri Jun 01, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Any reasons to not put money down for a Tesla Model 3?
Replies: 45
Views: 2896

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

Well here is an excellent reason not to put money down on a Model 3. An absolutely horrid, scathing review of its build quality, quality control, etc. The Model S is already the most expensive car to insure in the US. The Model 3 will likely be similar and is not made to the standards of other manu...
by BrandonBogle
Tue May 29, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: GFCI trips when toaster oven turned on
Replies: 33
Views: 1824

Re: GFCI trips when toaster oven turned on

The neutral for the GFCI is wired to a point that is behind where the neutral for the toaster line is being taken off ? Hence the return current from the toaster flows through GFCI neutral return (but not the through the GFCI live side, hence GFCI is imbalanced and trips but toaster continues to op...
by BrandonBogle
Thu May 24, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America ATM card not working internationally
Replies: 38
Views: 2510

Re: Bank of America ATM card not working internationally

I've seen this issue before if the debit card has access to both checking and savings accounts. Some ATM's don't deal with the choice and you have to keep trying, although in past experience I don't remember having to try more than 4 or 5. The big bank suggestion above is a good one, their ATM's sh...
by BrandonBogle
Thu May 24, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

Brandonbogle, depending on your financial situation maybe keep the 2nd reservation and roll it over to Model Y next year? The USD$1k is not a financial concern. That said, people I know (Tesla owners) were able to create reservations in 2017 and already be open for configuration. As such, I saw no ...
by BrandonBogle
Thu May 24, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

Have not been reading this overly long thread, unfortunately too many posters without Model 3 reservations who apparently just like to vent their dislike of Tesla or Elon Musk. Have no interest in reading their posts, with all due respect there are plenty of places on internet for that but believe ...
by BrandonBogle
Mon May 21, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

See that kind of, sort of sounds like a bait and switch! :-) http://i64.tinypic.com/15fsisp.jpg BAIT In terms of price, well, of course, it will be $35,000." https://www.youtube.com/watch?v=P-nngkMYgjk&feature=youtu.be&t=18m52s SWITCH http://i64.tinypic.com/f3vm86.jpg I guess I just don't see it. I...
by BrandonBogle
Sun May 20, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

At 78K it seems what we really have is a refreshed Model S. I'm not knowledgeable enough about the pricing but is there a reason one would pay 78K for this over a Model S for a bit more? I quickly optioned an AWD 75D on their site and it came to $79.5 without the Autopilot stuff but with AWD and th...
by BrandonBogle
Sun May 20, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

I have zero doubt that Tesla will produce a $35k Model 3, optioned with the details they provided (vs. others assumed would be there - like AutoPilot and “leather”, etc.). For the Model S and X, they also produced the highest profit versions first and eventually released the lower priced versions. S...
by BrandonBogle
Thu May 17, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: What would you do? takes 6 months to fix a Tesla Model S
Replies: 33
Views: 2692

Re: What would you do? takes 6 months to fix a Tesla Model S

For the Op, I have been fortunate that everything I've had happen around here with Teslas have resulted in few day - weeks turn around, no horror stories. That said, overall, I believe much of the issue is you have two issues that come together that prevent quick resolution in some cases: 1. Tesla i...
by BrandonBogle
Mon May 14, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

I am OP here and still agonizing over the decision. I just got the quote to install home charger. It is over $2K! Seems really high. I paid $400. However, my charger is just inside the garage from the meter, so installation was relatively simple. I'm using my Tesla provided mobile charger (called U...
by BrandonBogle
Mon May 14, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

At least for me the charging mostly occurs in my garage over night. Each morning I have a full battery. Is that advisable? Topping off the charge daily? Thought that was a no no for batteries. I'm really interested in getting an ev but can't seem to get past the "what if I run out of charge?" Waiti...
by BrandonBogle
Fri Apr 27, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

I was there as two more friends took Model 3 deliveries today. Seeing them regularly on the highways now. The fitment and quality have continued to improve since January and the VINs have jumped tremendously. Once Tesla sustains their higher production rates and gets through much of this backlog, it...
by BrandonBogle
Tue Apr 24, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

that's pretty clear and unambiguous. No matter what the autosteer disclaimer says, that tesla MX didn't do what the website claims it would do. And that guy died. I haven't cancelled my reservation. For now I'm sitting on it. I will admit that I was really really looking forward to owning an TM3, a...
by BrandonBogle
Tue Apr 24, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

There were probably a lot of people seduced by the combination of "Tesla, free supercharging, fast, 200+ miles, autopilot, panoramic glass roof, etc for $27.5k after tax credit." That vehicle will never exist, at least not in the Model 3 form. This is why I cancelled my reservation. Musk promised s...
by BrandonBogle
Tue Apr 24, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

I think they need to provide consistent positive margins on the 3, like they have on the S and X, but I don't think the company as a whole needs to consistently show profitability. I think they need a couple quarters of profitability, like they did with the S, but after that they'll probably want t...
by BrandonBogle
Tue Apr 24, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

Its important to remember, re the '$35k Tesla' is that the falling price of batteries means that pure EVS (with long range) will eventually become cheaper than their gasoline counterparts. There will eventually be a really compelling $25k Tesla. That is the endgame. The 3 is just a big hairy step o...
by BrandonBogle
Mon Apr 23, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

One more question for existing owners of any pure EV. I had traveled for work Mon-Thu by flights and left my car in airport parking lots. What is the degradation of battery power that was noticed for EV vehicles in such scenarios (No charge, no driving for 4 days)? We left our 2013 LEAF for a month...
by BrandonBogle
Mon Apr 23, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

These are cars that compete for the $$$ of luxury car buyers. I think there is going to be a lot of noise if people start to stretch their budgets to buy these vehicles. These folks are better off buying Bolts or hybrids. One place Elon was wrong is, IMO, a $35K car is not a mass market car. This i...
by BrandonBogle
Fri Apr 20, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

internet + other apps Tesla has not disclosed the plans as to how long the "free" LTE data service provided with the car will continue. As far as I know, the Model S released in 2012 still has "free" LTE connection. The "other apps" ability aka something to Apple Play or Android Auto is NOT there f...
by BrandonBogle
Thu Apr 19, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

I am the OP here. I paid the $1000 reservation deposit so that I could dream about buying Model 3. Yesterday night at 9:50pm I got the coveted invitation email which was somewhat of a shock. I even had a feeling that may be Tesla has fancy data analytics going on and found out that I had shown up a...
by BrandonBogle
Wed Apr 18, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

I'm hoping we can make this comparison soon. The M3 reservation is to replace a Lexus IS and that driver doesn't want to buy the long range version. She wants to buy the base model + exterior color + premium upgrade package. She likes the black interior (has the same in the IS) and standard wheels,...
by BrandonBogle
Wed Apr 18, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

I have a 1st-day reservation as well, and the tacked-on delivery charge is the last straw. Are there any makes that do not pass on a delivery charge for brand-new vehicles? I get used vehicles not having such a "surcharge", but are there any new ones without it? Please note, that doesn't mean it's ...
by BrandonBogle
Wed Apr 18, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

BTW, I was impressed that it took just 2 days for Tesla to refund our deposit. I'm surprised it took that long. I cancelled one of my two reservations (decided I won't replace my S) on Sunday and the funds were in my bank account Monday night. Also yeah the current Tesla is 20k more expensive but i...
by BrandonBogle
Wed Apr 18, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

the inside is a little strange since it looks like nothing else. Have you sat in a Mini Cooper? No never. It just really simple and it was strange to me to not have the dash gauge cluster in front of me. I bet I will get use to it... I don't really care about nice interiors I enjoy more the driving...
by BrandonBogle
Wed Apr 18, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

Just to be clear, the Autosteer aspect is Beta, not the Traffic Aware Cruise Control (Tesla's branding for adaptive cruise control). I've been told, and correct me if I'm wrong, but if you don't buy the EAP, you do not get Traffic Aware Cruise Control, TACC. Instead you get just the set a speed and...
by BrandonBogle
Wed Apr 18, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

kchico wrote:
Wed Apr 18, 2018 8:38 am
the inside is a little strange since it looks like nothing else.
Have you sat in a Mini Cooper?
by BrandonBogle
Wed Apr 18, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

If you have to be just as attentive to the driving as without the auto-pilot, what does it really buy you ? I treat it as adaptive cruise control (an expensive one). I keep my hands on the steering wheel at all times. To do otherwise is risking your life. Tesla will be the first to tell you: 1. It ...
by BrandonBogle
Tue Apr 17, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

Full self-driving capability is sold with the proviso that it may be some time before that option is actually enabled in the car. It should also be noted that both autopilot and FSD can be added after you take delivery of the car, but it will cost you more ($6,000 and $4,000, respectively). Many co...
by BrandonBogle
Tue Apr 17, 2018 1:18 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

I have been fortunate to have had the opportunity to drive multiple Model 3s and be there when a few friends have picked their’s up. Let’s be frank. It’s a different experience than most others when picking up a Tesla. Is it perfect? No. Could it be improved relatively easily? Yes. Has it really bee...
by BrandonBogle
Wed Apr 04, 2018 12:04 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86502

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

IMO, EVs are just not well suited to all-day driving. For long drives, you will likely be driving high speed - meaning speed limit, or possibly higher. The EPA range tests are done in ideal conditions in terms of temperatures and speed. It's a good idea to assume 2/3 of the EPA range for highway sp...