Search found 1836 matches

by BrandonBogle
Fri May 19, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Homeowner's Insurance & New Roofs
Replies: 44
Views: 3100

Re: Homeowner's Insurance & New Roofs

If, despite the preponderance of evidence that the roof needs replacing I get what you are saying Sue, but without having documented evidence for your own roof having this damage and needing replacement, the neighbors getting it is NOT a "preponderance of evidence". And before you feel I ...
by BrandonBogle
Fri May 19, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: f.lux software/blue light reduction for devices
Replies: 11
Views: 424

Re: f.lux software/blue light reduction for devices

Sadly, my work doesn't let me put it on. When I switch between the two computers in the evening, the difference is striking and especially when I'm working on stuff late at night, it is MUCH easier on my personal laptop than my work laptop. That's too bad. I've been using it for years, and we've in...
by BrandonBogle
Fri May 19, 2017 6:30 am
Forum: Personal Consumer Issues
Topic: f.lux software/blue light reduction for devices
Replies: 11
Views: 424

Re: f.lux software/blue light reduction for devices

I have used f.lux for years! In my case, just starting it off right off the bat was too much. I used reduced settings for it to not get yellow. Then after a week I let it get further, then again two weeks later, then finally some more about after a month. Sadly, my work doesn't let me put it on. Whe...
by BrandonBogle
Thu Apr 27, 2017 4:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 106
Views: 9788

Re: Vanguard has switched to brokerage only accounts

Doc wrote:
BrandonBogle wrote:On the MF platform, you can tell fund A's dividends and/or capital gains to be 1) reinvested, 2) sent to a linked bank account, or 3) invested into fund B. On the Brokerage platform...


VBS: Reinvest, Transfer to settlement fund, Transfer to a bank account, Send me a check


Thanks Doc!
by BrandonBogle
Thu Apr 27, 2017 7:47 am
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 106
Views: 9788

Re: Vanguard has switched to brokerage only accounts

Thanks! I'm not sure now where I got the idea that I'd have to give up auto-exchanges if the account was upgraded to brokerage. This will spur more research on my end! Appreciate that you plunked around in your own account to find the answer. :beer You likely got mixed up by a different, similar fu...
by BrandonBogle
Tue Apr 25, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 953
Views: 159316

Re: Tesla S

travellight wrote:Thanks for the feedback. I think I have enough tax liability to cover 2 cars purchases in one year, fortunately or unfortunately, so no worries there.


Yeah. One of those "good problem to have" -- you made enough to have enough tax liability to get two credits! :oops:
by BrandonBogle
Mon Apr 24, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 953
Views: 159316

Re: Tesla S

If you're referring to the Federal tax credit for a charging station, I believe that expired at the end of 2016 and was not renewed. I got in before then, but for the greater good, would love to hear that I'm mistaken. State benefits might still be in play. I didn't know the charging credit didn't ...
by BrandonBogle
Mon Apr 24, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 953
Views: 159316

Re: Tesla S

I just ordered a new model S. I had a hard time picking a color and decided to go with pearl white with the white seats. I live in scal and prefer a car that won't retain heat. I had ordered a used tesla s but with the price reduction recently, it ended up being the same price to get the new one wi...
by BrandonBogle
Wed Apr 19, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 196
Views: 16169

Re: Tesla Model 3 or Chevy Bolt?

I guess my practical nature just doesn't understand all this back-and-forth on EVs (and not just amongst Bogleheads). The great thing is the consumer has choices. Willing to spend the time researching the tech, find the range covers most your usage, you have a viable plan (or wherewithall to make on...
by BrandonBogle
Tue Apr 18, 2017 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendations on Non Vanguard Muni Bond Funds
Replies: 5
Views: 523

Re: Recommendations on Non Vanguard Muni Bond Funds

Does Schwab not let you hold Vanguard Muni funds there? I hold Vanguard's Long-Term Muni (VWLUX) and Intermediate-Term Muni (VWIAX) at WellsTrade.
by BrandonBogle
Tue Apr 18, 2017 10:49 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 196
Views: 16169

Re: Tesla Model 3 or Chevy Bolt?

Personally I see it as a charging issue. Why would I want to buy a Bolt or any electric car for that matter that I couldn't even drive long distance. It's like buying an expensive but very defective car. Not being able to drive 200+ miles on charge is defective in the same ways as not being able to...
by BrandonBogle
Mon Apr 17, 2017 10:40 am
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 134
Views: 13267

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

How about having the conference somewhere else for a change? To help facilitate Jack Bogle being at the conference, it has been around Philadelphia for the past couple years so he doesn't have to concern himself with traveling. I absolutely loved meeting Jack two years ago and make a whole week out...
by BrandonBogle
Fri Apr 14, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 196
Views: 16169

Re: Tesla Model 3 or Chevy Bolt?

For those not familiar with it: https://services.edmunds-media.com/image-service/media-ed/ximm/?quality=85&image=/tesla/model-s/2013/lt/2013_tesla_model-s_ip_lt_1114132_600.jpg I miss Firmware 6.x's information density. I was happy to do away with the chrome framing everywhere.
by BrandonBogle
Fri Apr 14, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 196
Views: 16169

Re: Tesla Model 3 or Chevy Bolt?

Kevin M wrote:I've seen one or two other ICEings, but none that prevented me from charging.


In general, I have found Tesla Superchargers to be ICE'd far less often than public stations. Don't know why that is, but I can't complain.
by BrandonBogle
Fri Apr 14, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 196
Views: 16169

Re: Tesla Model 3 or Chevy Bolt?

How often does that happen in reality? It varies greatly from region to region. My city tickets those who are parked in charging spaces without being plugged in (including EVs who just used them as "priority parking"). At my work, it was happening regularly enough even though the spaces h...
by BrandonBogle
Fri Apr 14, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 196
Views: 16169

Re: Tesla Model 3 or Chevy Bolt?

squirm wrote:some public charger that won't work or is iced


FYI, ICE'd is EV-slang for when a charger is blocked by a traditional vehicle with an Internal Combustion Engine, preventing the EV-driver from plugging in to charge.
by BrandonBogle
Thu Apr 13, 2017 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 130
Views: 15744

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

It varies. ACH does finalize overnight and can even finalize same day. However, when most people talk about ACH, they talk about transferring funds between bank accounts from say Ally to your local credit union. Many financial institutions outsource that type of ACH to CashEdge. CashEdge generally p...
by BrandonBogle
Wed Apr 12, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 196
Views: 16169

Re: Tesla Model 3 or Chevy Bolt?

but I still look at 6 kW as painful if I was dependent on it. Oh man, I've got a Chevy Spark that has only a 3.3kwh charger. Not only that, but I exclusively charge it in my 120v outlet at home. You would just absolutely die :beer I spent the first 4 months of Model S ownership with only 120v charg...
by BrandonBogle
Wed Apr 12, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 196
Views: 16169

Re: Tesla Model 3 or Chevy Bolt?

I AM thinking about a plug in hybrid as a second vehicle ONLY to get access to the HOV lane during my commute. Even though I can afford a Tesla I would lean towards the new Volt. I've driven the Model S and found the seat very uncomfortable. A friend who owns one complains about backaches after dri...
by BrandonBogle
Wed Apr 12, 2017 7:24 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 196
Views: 16169

Re: Tesla Model 3 or Chevy Bolt?

My 6kW L2 charger adds ~20 miles/hour charging, and could recharge even a thirsty P100D Model S overnight. That's the part I don't get. In a pinch, I can charge my X on 110V, for example if I'm running my house on generator power. I opted for the 75A charger, rather than the 40A 240V charger, becau...
by BrandonBogle
Fri Apr 07, 2017 11:56 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 953
Views: 159316

Re: Tesla S

randomguy wrote:iinsurance (which is more on the Tesla)


YMMV on that. My insurance cost went down going from a 2006 Toyota 4Runner Sport 4WD to a 2013 Tesla Model S 85 RWD.
Image
by BrandonBogle
Fri Apr 07, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 953
Views: 159316

Re: Tesla S

tax credit start to phase out after the 200,000 tesla delivery i wonder how much will that impact tesla sales...... basically government is subsidizing $7500 dollar for every tesla on the road With your wording that is technically true, though expanding a bit may help others who may read your post....
by BrandonBogle
Fri Apr 07, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 953
Views: 159316

Re: Tesla S

Have not experienced any problems with my LTE service or the center console except for the unbelievable slow internet browser. I would like to use it when supercharging, but the experience is just too painful. Otherwise, things feel responsive to me. Perhaps Car & Driver need to do a reboot for...
by BrandonBogle
Fri Apr 07, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 953
Views: 159316

Re: Tesla S

investor997 wrote:...2014...$59,496.

($97,502-$59,496) / 17,162 = $2.21/mile depreciation. Yikes!


Where is the depreciation for age in your calculation? BTW, IMHO, almost $60k for that car is overpriced.
by BrandonBogle
Fri Apr 07, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Flights with limited pre-assigned seating benefits
Replies: 49
Views: 2839

Re: Flights with limited pre-assigned seating benefits

On any long-haul flights, I just bring a cushion with me expecting the seat to be uncomfortable otherwise. But then, I've flown on Spirit and Allegiant before, so I know they can truly be uncomfortable even on a short-haul flight.
by BrandonBogle
Fri Apr 07, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 953
Views: 159316

Re: Tesla S

While their 10 second lag is really annoying, it wasn't the touchscreen lagging. Tesla's version 7 firmware and earlier did NOT prefetch the next song or station in advance like Slacker's iPhone app does. So when you click skip or change stations, you hit a gap of silence where the current music sto...
by BrandonBogle
Fri Apr 07, 2017 10:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard: "Important: We've been unable to reach you by email"
Replies: 36
Views: 3711

Re: Vanguard: "Important: We've been unable to reach you by email"

This notice still appears every time I log in. I called Vanguard this morning and they could not see anything wrong. After doing some checking on what might be the "problem", it seemed that maybe (all of a sudden) Vanguard wants the first letter of the email address to be capitalized (and...
by BrandonBogle
Fri Apr 07, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Flights with limited pre-assigned seating benefits
Replies: 49
Views: 2839

Re: Flights with limited pre-assigned seating benefits

I have crossed the Pacific about 60 times (round-trips). Mostly in coach. I would not purchase a ticket that had anything greater a zero percent possibility of being in a center-coach-seat for 12-14-16 hours. And yes, it happened to me, flying from Frankfurt to India on Lufthansa. Picked a decent a...
by BrandonBogle
Thu Apr 06, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: Flights with limited pre-assigned seating benefits
Replies: 49
Views: 2839

Re: Flights with limited pre-assigned seating benefits

Beth* wrote:This is slightly off topic, but I recommend consulting seatguru.com before choosing a seat.


+1

I check SeatGuru every time I get to choose a seat myself.
by BrandonBogle
Thu Apr 06, 2017 4:01 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 134
Views: 13267

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Two lessons learned: 1. email and forum post will go at the same time next year, and 2. Never again announce an exact date. Best Regards, Mel Respectfully, I think #1 doesn't need to happen (though your prerogative - this isn't a vote). #2 is a valuable lesson. Many seemed to take that date and put...
by BrandonBogle
Thu Apr 06, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: Are Steam Washer Dryers worth the extra $$?
Replies: 12
Views: 821

Re: Are Steam Washer Dryers worth the extra $$?

I just purchased this washer (though I paid less than half of MSRP): 5.3 cu. ft. Smart Cabrio® Top Load Washer It will be delivered next week. Honestly, I only said "oh nice" at the steam. I can see it being useful, but seeing as 90% of my washes are just cold water, I could use hot water ...
by BrandonBogle
Wed Apr 05, 2017 11:44 pm
Forum: Personal Consumer Issues
Topic: Boglehead and iphone
Replies: 23
Views: 2221

Re: Boglehead and iphone

This happens on my iPhone regularly and occasionally on my Mac w/ Safari, but not my PC w/ FireFox. I just have Safari set up to remember my password so it prefills for me. It has done this ever since the forum upgrade a year or two ago, and I think it did so even before that.
by BrandonBogle
Wed Apr 05, 2017 9:47 pm
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 144
Views: 13974

Re: Social Security for Millennials

in 2034, without any SS changes, I will be 57. I will draw SS in 2039 due to life expectancy. It won't be an issue with me if SS is cut, but my parents will be in deep trouble, which could mean I will be in trouble. my folks live on a modest pension and social security. They can't afford any cuts a...
by BrandonBogle
Wed Apr 05, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 144
Views: 13974

Re: Social Security for Millennials

Regardless of the politics, from a strictly financial perspective, our retirement (30-odd years away) planning is based on getting nothing from SS. Good call. Maybe a little pessimistic, but still a good call. Hope for the best and plan for the worst. Yup. Provides lots of flexibility that way. I t...
by BrandonBogle
Tue Apr 04, 2017 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Roll Over 401k to Vanguard for access to closed funds
Replies: 9
Views: 478

Re: Roll Over 401k to Vanguard for access to closed funds

Rolling over might close access to a backdoor Roth... Not sure if that's relevant for you but worth mentioning Please edumakate me. I don't understand the connection between backdoor Roth and roll over 401k. If you have no pre-tax IRAs, you can do backdoor Roths easily. However, if you rollover you...
by BrandonBogle
Tue Apr 04, 2017 7:16 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 134
Views: 13267

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Well there went my plan. I made sure to try and be on the forums every day recently since I missed the window last year (it opened earlier than originally thought). I got the email on Sunday announcing it and was going to the post office today to mail my check. Guess I'll miss this year :( If you s...
by BrandonBogle
Tue Apr 04, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Union Places Me in Crosshairs
Replies: 17
Views: 1969

Re: Credit Union Places Me in Crosshairs

I just want to say that a couple years back (when BCBS lost member records), I froze all my credit reports. Since then, I've opened up one or two new credit cards and refinanced my mortgage. I had no problems whatsoever with this. In each case, I submitted my app like any other customer and got a no...
by BrandonBogle
Tue Apr 04, 2017 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard automatic Roth investment stops pennies short of maximum yearly contribution?
Replies: 15
Views: 705

Re: Vanguard automatic Roth investment stops pennies short of maximum yearly contribution?

This has been discussed before. And while yes, you key in $5,5000 or whatever for the yearly amount, it is broken down to an $XYZ periodic investment and that is what is authorized. Now, if you put in a higher amount, Vanguard's systems include a check to avoid overcontributing and thus would make y...
by BrandonBogle
Tue Apr 04, 2017 10:31 am
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Conference 2017?
Replies: 34
Views: 4708

Re: Boglehead Conference 2017?

UPDATE: My 2017 Bogleheads Conference announcement is now scheduled to be posted here on the forum on April 5th. For anyone else who might have made the same mistake as I, Mel did NOT mean he would post it on this thread when he said "posted here". It was posted on another thread and is a...
by BrandonBogle
Tue Apr 04, 2017 10:28 am
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 134
Views: 13267

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Well there went my plan. I made sure to try and be on the forums every day recently since I missed the window last year (it opened earlier than originally thought). I got the email on Sunday announcing it and was going to the post office today to mail my check. Guess I'll miss this year :(
by BrandonBogle
Tue Apr 04, 2017 10:13 am
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 144
Views: 13974

Re: Social Security for Millennials

I take a two-tier/goalpost approach to my retirement planning. First, I base everything on expenses, not income, using my current expenses with appropriate adjustments to project an estimated set of expenses in retirement. I then calculate my two tiers or goalposts. ⋅ 401k + IRA + taxable ...
by BrandonBogle
Mon Apr 03, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: Europe Cell Roaming after July 2017 Question
Replies: 18
Views: 697

Re: Europe Cell Roaming after July 2017 Question

I bought a 3 GB data only sim I used on a cruise in Europe (not for use at sea, in the ports). It was $35 delivered same day from Amazon. The brand/carrier was Three Sim. It worked pretty well, but not perfect everywhere. I bought a more expensive (around $50 for 1 GB) worldwide Sim (also on Amazon...
by BrandonBogle
Mon Apr 03, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: Europe Cell Roaming after July 2017 Question
Replies: 18
Views: 697

Re: Europe Cell Roaming after July 2017 Question

The only pain with UK pay as you go SIM's is they often require UK issued credit cards to top up online. So if you have a US card you're left with either buying vouchers in-person (which obviously you can't do whilst roaming) or using a 3rd party top up service (about 10% premium charge). Or you ge...
by BrandonBogle
Mon Apr 03, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: Europe Cell Roaming after July 2017 Question
Replies: 18
Views: 697

Re: Europe Cell Roaming after July 2017 Question

A 3 UK sim will cover all three countries. You can even use it in the USA now and then as it roams for free here too (though they will block your USA access if you leave it on for more than 30 days). Talk/text/data payasyougo is reasonably priced. If you just need data you can get a freedompop glob...
by BrandonBogle
Mon Apr 03, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Europe Cell Roaming after July 2017 Question
Replies: 18
Views: 697

Re: Europe Cell Roaming after July 2017 Question

UK sim's are dirt cheap to get on eBay usually only about £1-2 including international shipping. If your friend uses giffgaff they might want to get the referral bonus too. Unless you care about the phone number it's maybe better to set up a new account anyway as you get £5 credit on startup. Last ...
by BrandonBogle
Mon Apr 03, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Europe Cell Roaming after July 2017 Question
Replies: 18
Views: 697

Re: Europe Cell Roaming after July 2017 Question

What calls or data needs do you have that cannot be done via wi-fi? Between whatsapp, Facebook, Google Voice and iMessage, I just don't see a need. I will be traveling the Lower Valley in France by car and using my mobile as a GPS. Early in the trip I will be exploring Paris, but do not know if wif...
by BrandonBogle
Mon Apr 03, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Europe Cell Roaming after July 2017 Question
Replies: 18
Views: 697

Re: Europe Cell Roaming after July 2017 Question

Interestingly enough, I tried popping in my Icelandic SIM and it connected to AT&T after a minute or two and popped in my number as was printed on the SIM. Maybe it indeed is still active.

TripAdvisor. I'll check there too. Thanks!
by BrandonBogle
Mon Apr 03, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Europe Cell Roaming after July 2017 Question
Replies: 18
Views: 697

Re: Europe Cell Roaming after July 2017 Question

How old are your other SIM cards? A lot of them expire after 1 year of no top-ups or activity. UK should still count as EU (for now) Ugh. The UK SIM is about 4-5 years old and Icelandic just hit a year last week. If I go the route of a new U.K. SIM though, I can have a friend mail me one from Londo...
by BrandonBogle
Mon Apr 03, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Europe Cell Roaming after July 2017 Question
Replies: 18
Views: 697

Europe Cell Roaming after July 2017 Question

European Bogleheads and others more familiar with the subject, perhaps you can help me a bit here. In late July and August I will be spending three weeks in France, the Netherlands, and England. I have previously traveled to foreign countries and picked up local SIMs for that country (I still have m...
by BrandonBogle
Sat Apr 01, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!
Replies: 67
Views: 4540

Re: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!

FYI, in my posts above, the medallion guarantee were for accounts elsewhere, not at WF Advisors. One may have been a transfer to WFA, but they were all b/c the current financial institution needed the medallion guarantee. None of my WFA accounts themselves have never needed one, even when I transfer...

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