Search found 1878 matches

by BrandonBogle
Tue Jul 18, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: ATM card for overseas travel
Replies: 25
Views: 1458

Re: ATM card for overseas travel

Definitely take a backup. An ATM ate my Schwab atm card in Egypt. Schwab would have sent another one in 2 business days but we were leaving the next day so declined the offer. This has been my concern. I may have to take a look at Schwalb, but at the moment, I use Wells Fargo. My backup is that I h...
by BrandonBogle
Wed Jul 05, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 2982

Re: Surge Protector for Refrigerator

Brandon, Can you expand on this? I'm not the quickest wit so I need a simple/slow explanation. I've got several of the half-heights next to each other in my panel so I think I'm violating this rule. Actually, on my panel all of the neutrals and grounds go to the same bar. If you have a shared neutr...
by BrandonBogle
Tue Jun 27, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 2982

Re: Surge Protector for Refrigerator

I don't know about those specific units, but the Eaton on my house is sacrificial. If both green lights aren't on (likely due to a surge), the unit must be replaced.
by BrandonBogle
Mon Jun 26, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 2982

Re: Surge Protector for Refrigerator

Not meaning to highjack this thread but my electrical panel doesn't have any open slots to add more circuit breakers. It's my understanding that all these require adding a breaker to install. Any other options for me? Recall there are half-height 120v breakers (2x will fit in the space of 1x full-h...
by BrandonBogle
Mon Jun 26, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 29
Views: 2175

Re: Cricket Wireless Groups

You MUST make sure that anyone joining the group has access to AT&T coverage if you are with Cricket. We were not able to use T-Mobile or related brands as we don't have coverage. None of the people in our group had any good access to Sprint coverage. Isn't AT&T coverage ubiquitous? Right n...
by BrandonBogle
Fri Jun 23, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: New cars w/ no CD player -- what can I do with my CDs?
Replies: 47
Views: 3935

Re: New cars w/ no CD player -- what can I do with my CDs?

My prior vehicle, a 2006 Toyota 4Runner, had a stock sound system that played CD players and also MP3 CDs. To aid in keeping only a few CDs handy, over time I ripped all my CDs to MP3 and burned MP3 CDs to use in my truck. When I switched vehicles, my current vehicle doesn't have a CD player, but do...
by BrandonBogle
Fri Jun 23, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 2982

Re: Surge Protector for Refrigerator

You could also look into a whole house surge protector - I believe that exists. This is what I did. I have high end surge protector's on my TV and computer equipment, but wanted something for the fridge, washer, dryer, water heater, oven, etc. as a just-in-case. Got a whole-house surge protector ad...
by BrandonBogle
Fri Jun 23, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 24871

Re: Early Retirement - what to do about healthcare?

My original plan was to retire at 52 and work on pushing that into my 40s. However, my employer only offers retiree medical coverage (the same plans I have, but without the employer subsidy in the premiums) at age 55. It's throwing a wrench in my plans. That said, since I'm in my early 30s, I'm just...
by BrandonBogle
Fri Jun 23, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 2982

Re: Surge Protector for Refrigerator

You could also look into a whole house surge protector - I believe that exists. This is what I did. I have high end surge protector's on my TV and computer equipment, but wanted something for the fridge, washer, dryer, water heater, oven, etc. as a just-in-case. Got a whole-house surge protector ad...
by BrandonBogle
Wed Jun 21, 2017 12:02 am
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 142
Views: 7997

Re: Any BHs Had Experience With the Honda Fit?

I had a Nissan Versa rental when in Phoenix for a conference and then drove to the Grand Canyon. I did not enjoy that experience (the drive, the GC itself was great) and it reminded why I dislike the Fit on long, non-flat drives. But then, I'm biased as our Fit isn't my daily driver and ours doesn't...
by BrandonBogle
Mon Jun 19, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 142
Views: 7997

Re: Any BHs Had Experience With the Honda Fit?

We have a 2011 Fit Sport that currently sports 180k miles on the odometer. Our experience matches these posts: For highway driving it was just too loud. Revved at 4000-5000 rpm, and you heard every one of its horses. Great city car, parks anywhere and surprisingly spacious inside. I felt very uncomf...
by BrandonBogle
Mon Jun 19, 2017 10:59 am
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 10895

Re: Amazon Buys Whole Foods

I gather you have both Aldis in the USA? - the company was split into 2 a long time ago In my area, there is no Lidls and I hadn't heard of the company prior to this thread. Around me, there are many (successful) Aldis, Whole Foods, EarthFare, Trader Joes, Walmart Supercenter/Neighborhood Market, T...
by BrandonBogle
Sun Jun 18, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 258
Views: 24861

Re: Tesla Model 3 or Chevy Bolt?

We have 30 amp / 208V charging at work, which comes to about 6 kW as well. They are not free - $1/hour for the first 5 hours, then $5/hour after that - this is to minimize people hogging plugs - we have well over 100 EVs and 10 charging spots. Hogging plugs was a problem at my work. With only a few...
by BrandonBogle
Sun Jun 18, 2017 5:30 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 258
Views: 24861

Re: Tesla Model 3 or Chevy Bolt?

My husband has had his Bolt for about the same amount of time, and concurs almost entirely with you. He's 5'11" too, and we've actually had 5 people in the car for a short drive - no issues about legroom or comfort. He installed his own fast charger, and is very pleased with it as well. I'd be...
by BrandonBogle
Fri Jun 16, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 10895

Re: Amazon Buys Whole Foods

Amazon is on the low price/value end and WF is currently on the higher priced/premium end so this will be interesting. They both provide excellent customer experiences though IMO and I enjoy shopping at both. The WF in Chicago and Charlotte are the nicest grocery stores I've ever been to. Where in ...
by BrandonBogle
Thu Jun 15, 2017 10:34 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 258
Views: 24861

Re: Tesla Model 3 or Chevy Bolt?

I similarly don't often plug in unless I am below 50% and then charge to 90%. That typically means that I also only charge twice a week normally.
by BrandonBogle
Wed Jun 14, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: The Average Mortgage?
Replies: 15
Views: 1193

Re: The Average Mortgage?

You will probably start to see people lock in their rates for much longer now. But refi's for higher balances at higher interest rates doesn't make sense to me. The person in question must have had a large initial downpayment and is refinancing with lower downpayments to use the equity for other pu...
by BrandonBogle
Wed Jun 14, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 5825

Re: Have you canceled cable?

Eventually I do and my cable and internet bill is only $150. If I dropped TV my internet alone would be $89.99 before taxes. Then add Hulu, Netflix, etc and I am back to what I was paying with a less than optimal experience. TiVo these days skips ads, and I can strip out ads of my recordings when I...
by BrandonBogle
Wed Jun 14, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Pay Mortgage vs. Buy Bonds
Replies: 61
Views: 5117

Re: Pay Mortgage vs. Buy Bonds

BrandonBogle, My portfolio's dividend/interest income is about the same as the after-tax interest rate on my mortgage. KlangFool Even if my portfolio's rate of return on the bond/FI side was worse than my after-tax interest rate on my mortgage, I would still keep the liquidity. So (looking at Feder...
by BrandonBogle
Wed Jun 14, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Pay Mortgage vs. Buy Bonds
Replies: 61
Views: 5117

Re: Pay Mortgage vs. Buy Bonds

In my earlier post (page 1?), I explicitly said it may not be the most financially efficient, but it wouldn't be bad compared to the guaranteed 2.875% (in my case) interest savings. The risk of depressed housing prices and lack of liquidity are there and thus, the potentially less efficiency of havi...
by BrandonBogle
Wed Jun 14, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Pay Mortgage vs. Buy Bonds
Replies: 61
Views: 5117

Re: Pay Mortgage vs. Buy Bonds

2) In any case, if and when the AA's return is lower than the mortgage rate, the investor could pay off or pre-pay the mortgage. It is not a one-time decision. KlangFool This is why I like my earlier thoughts on such Pay Mortgage questions. Rather than pre-pay, build up the funds to pay it off in o...
by BrandonBogle
Mon Jun 12, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 5825

Re: Have you canceled cable?

I meant home internet. If I didn't have internet in my home, I would probably have to use the internet on my phone a lot more. Ahh, I misunderstood. But to look for that silver lining so I have some kernel of truth, sometimes SrGrumpy cancels it while away. On my end, I've once was refused to get t...
by BrandonBogle
Mon Jun 12, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 5825

Re: Have you canceled cable?

Internet: I cancel every 12-18 months or so when I go away for a few weeks, and then I open a new account when I return, at the introductory rate. This keeps my bill at about $35 a month, via Spectrum, fka Time Warner Cable. I think I'm too reliant on the Internet to do something like this. I use t...
by BrandonBogle
Mon Jun 12, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Pay Mortgage vs. Buy Bonds
Replies: 61
Views: 5117

Re: Pay Mortgage vs. Buy Bonds

Put the money into an appropriate financial instrument until you have built that up enough to pay off the mortgage. Then decide if you want to keep the mortgage or pay it all off in one fell swoop. What is an "appropriate financial instrument" in this scenario? Is it one with more risk fo...
by BrandonBogle
Mon Jun 12, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 5825

Re: Have you canceled cable?

I had my old phone number for about 40 years and it had become about useless because of constant spam calls. But in case someone that I have not heard from wants to call me it is still there and if they leave a message, I will get an email from Google with the transcribed message and a link to the ...
by BrandonBogle
Mon Jun 12, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Pay Mortgage vs. Buy Bonds
Replies: 61
Views: 5117

Re: Pay Mortgage vs. Buy Bonds

In scenarios like this (though usually with the ability to deduct mortgage interest), I prefer a middle-of-the-road approach. Put the money into an appropriate financial instrument until you have built that up enough to pay off the mortgage. Then decide if you want to keep the mortgage or pay it all...
by BrandonBogle
Mon Jun 12, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 5825

Re: Have you canceled cable?

In 2005, I went to cell phone only for phone In 2008, I went to OTA antenna only for TV In 2011, I went to OTA antenna + Netflix In 2015, I went to OTA antenna + Netflix + Hulu Somewhere along the way Amazon Prime Ideo got added in, but I was already an Amazon Prime member and would continue to be s...
by BrandonBogle
Mon Jun 12, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 258
Views: 24861

Re: Tesla Model 3 or Chevy Bolt?

My early 2013 Model S with a 61,000 miles is set to charge regularly to 90%. After all this time and miles, I've dropped from a 265-mile 100% to a 262-mile 100% charge. So 3 miles lost in over four years and 61k miles. Meanwhile, I've seen many, many, internal combustion engine cars go up in flames ...
by BrandonBogle
Fri Jun 09, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Internaational [VXUS] & All World ex-US [VEU]: Twins separated at birth?
Replies: 14
Views: 983

Re: Vanguard Total Internaational [VXUS] & All World ex-US [VEU]: Twins separated at birth?

I am of the same thoughts as nisi. And since I place some value on simplicity, I do not add VSS to augment VEU when I hold it. Thus, I just use VXUS and VEU interchangeably when tax loss harvesting, dollar-for-dollar.
by BrandonBogle
Fri Jun 09, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 140
Views: 19679

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

Everyone should do what they are most comfortable with. Personally, I don't use an alternate checking account without overdraft protection etc. I have more than one checking account, yes. I use my main account and if there is ever a problem, I let the bank make me whole and pay my bills temporarily ...
by BrandonBogle
Wed Jun 07, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 29
Views: 2175

Re: Cricket Wireless Groups

My understanding from the cricket website is that the total discount on 5 lines is $100 or $20 per line. So someone on the $40 plan should pay $20 while someone on the unlimited plan, which is $60, would pay $40. https://www.cricketwireless.com/content/aio/en/l/multiline.html Thank you. You worded ...
by BrandonBogle
Wed Jun 07, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 29
Views: 2175

Re: Cricket Wireless Groups

Can people have different plans within the same group? If so how does the pricing work? I just assumed it would be the 5 lines for $100 ($20/each) but if someone has the unlimited plan I'm guessing it won't be. Yes, each line can have a different plan. The only real thing is the discount gets bigge...
by BrandonBogle
Mon Jun 05, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 29
Views: 2175

Re: Cricket Wireless Groups

Like bloom, I would draw the line around complicating my life to safe that last few dollars. The understanding is correct, the "lead" or primary line on the group would be fully responsible for the charges and managing the account. They would bear the risk that the people in the group do n...
by BrandonBogle
Mon Jun 05, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Benefits of waiting to convert $4,000,000 in IRAs into Roth
Replies: 41
Views: 4724

Re: Benefits of waiting to convert $4,000,000 in IRAs into Roth

I anticipate that our post-retirement tax rate will most likely be 39.6% Is this from stock/bond investment income? After 28% tax bracket, you should consider tax-free bonds. And for stocks, they should mostly be qualified dividends It is likely the Op did mean stock/bond investment income if they ...
by BrandonBogle
Mon Jun 05, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Benefits of waiting to convert $4,000,000 in IRAs into Roth
Replies: 41
Views: 4724

Re: Benefits of waiting to convert $4,000,000 in IRAs into Roth

No sense in converting it today, but the Op doesn't say anything about if early retirement is coming, how close to retirement they are, etc. If they are in their 40s and retiring at the end of the year, yeah, convert starting next year. Without the rest of the picture though, the only thing is what ...
by BrandonBogle
Sun Jun 04, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Mobile phone SIM advice for multiple countries in Europe
Replies: 24
Views: 899

Re: Mobile phone SIM advice for multiple countries in Europe

You might want to see my similar thread from a couple weeks ago: Europe Cell Roaming after July 2017 Question Basically, the rules are changing for EU countries in about 6 weeks. After that time, a EU-local SIM will treat all of the EU as the home market, with data/text/calls roaming being nonexist...
by BrandonBogle
Sun Jun 04, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: Mobile phone SIM advice for multiple countries in Europe
Replies: 24
Views: 899

Re: Mobile phone SIM advice for multiple countries in Europe

You might want to see my similar thread from a couple weeks ago: Europe Cell Roaming after July 2017 Question Basically, the rules are changing for EU countries in about 6 weeks. After that time, a EU-local SIM will treat all of the EU as the home market, with data/text/calls roaming being nonexiste...
by BrandonBogle
Sat Jun 03, 2017 5:52 am
Forum: Investing - Help with Personal Investments
Topic: Time to Move Away from 3-Fund Portfolio?
Replies: 36
Views: 4229

Re: Time to Move Away from 3-Fund Portfolio?

Glad to hear it. The fees are chump change if it lets her sleep comfortably at night.
by BrandonBogle
Fri Jun 02, 2017 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Time to Move Away from 3-Fund Portfolio?
Replies: 36
Views: 4229

Re: Time to Move Away from 3-Fund Portfolio?

BetaTracker, first and foremost, I am sorry to hear of signs of worse health on your part. I view Taylor's 3-Fund recommendations a bit differently -- 1 - A broadly-diversified, "low-risk" US Market stock fund 2 - A broadly-diversified, "low-risk" total International stock fund 3...
by BrandonBogle
Thu Jun 01, 2017 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer without an in person interview
Replies: 41
Views: 3627

Re: Job offer without an in person interview

Do you folks find this to be a bit suspicious/unusual? I am a certified CICS Systems Programmer/Engineer in my thirties, a rarity in that environment. I've never had an in-person interview for any of my Mainframe roles. As others have said, if nothing else gives you pause about the offer, I would n...
by BrandonBogle
Thu Jun 01, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Wire fee charged by receiving bank.
Replies: 28
Views: 2655

Re: Wire fee charged by receiving bank.

Let me start off by saying I agree with the Op. BoA should have absorbed this as a cost of doing business unless/until they put it into the intended receiver's account and withdrew whatever fee the receiver and BoA agreed this. What likely happened is the wire did NOT get reversed. Instead, it got r...
by BrandonBogle
Thu Jun 01, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 258
Views: 24861

Re: Tesla Model 3 or Chevy Bolt?

I decided to purchase a Premier Bolt in early April 2017 vs a Tesla (S or 3) for the following reasons (and I'm happy with the decision) ... So, I've had the Bolt for a month now with 2000 miles put on it. It's perfect for my needs, going to the gym, groceries, social events, visits to local wineri...
by BrandonBogle
Fri May 19, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Homeowner's Insurance & New Roofs
Replies: 44
Views: 3529

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: 564

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: 564

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: 108
Views: 11408

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: 108
Views: 11408

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: 163536

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: 163536

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: 163536

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...

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