Search found 2010 matches

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: 715
Views: 57613

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: 715
Views: 57613

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: 715
Views: 57613

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: 715
Views: 57613

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: 715
Views: 57613

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: 715
Views: 57613

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: 715
Views: 57613

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: 715
Views: 57613

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: 715
Views: 57613

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: 715
Views: 57613

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: 715
Views: 57613

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: 715
Views: 57613

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: 715
Views: 57613

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: 715
Views: 57613

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...
by BrandonBogle
Tue Apr 03, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 715
Views: 57613

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

I have no crystal ball as to the future of Tesla as a company. I do know that my Model S converted this right wing Republican BMW-loving gas-burning gearhead to a EV driver for life. One drive in a model S opened my eyes to the superiority of EVs, I've had my Model S 3.5 years and have yet to perso...
by BrandonBogle
Wed Mar 28, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 715
Views: 57613

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

I've been skeptical of the wild expectations for Tesla for years, and been expecting the Model 3 to face major delays, quality issues, and especially financial concerns. But a week of mixed news for the company, and suddenly it seems like the views of Tesla have changed so much that I feel like a c...
by BrandonBogle
Thu Mar 15, 2018 11:13 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 715
Views: 57613

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

Does the 1st owner get to keep the tax deduction even if he flipped it? If the intention was to keep it when they got it, but then decided to flip it for whatever reason, then yes. The IRS stipulations on the tax credit are along the lines of intending to put this car into service for personal use ...
by BrandonBogle
Thu Mar 15, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 715
Views: 57613

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

Has anybody purchase a Tesla 3 on secondary market yet? How much does it cost? How much depreciation be there if somebody had to sell her 1 minute old Tesla 3? I guess it will be about $-5,000 depreciation on that car! Keep in mind that only the 1st titled owner can claim the federal tax credit. So...
by BrandonBogle
Thu Mar 15, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 715
Views: 57613

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

I would consider leasing a Model 3, but would never buy it. We currently lease an EV (i3) and PHEV (Porsche Cayenne), I only buy ICEs given how quickly technology is moving. I wouldn't bet on 15 years out of Li-Ion batteries without very significant range degradation. I'm a big believer in EVs bein...
by BrandonBogle
Sun Mar 11, 2018 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: Ok fellow bogleheads, was the correction scary or nothing?
Replies: 147
Views: 10474

Re: Ok fellow bogleheads, was the correction scary or nothing?

As I mentioned in my previous post I still don't understand why people are talking about this in the past tense. I assume most people here are still down six figures, and I believe many Bogleheads are probably down seven figures, so at least for those who aren't accumulating I'm not understanding. ...
by BrandonBogle
Sun Mar 11, 2018 11:23 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE SOLD OUT
Replies: 109
Views: 18656

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

I was thinking also if maybe there would be a lottery against such a cap to help spread out the previous attendees too vs. first come, first serve. A full attendance lottery would be a bit much though. I'm just a random stranger on the Internet, but perhaps a hybrid approach would work best. Say th...
by BrandonBogle
Sat Mar 10, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Ok fellow bogleheads, was the correction scary or nothing?
Replies: 147
Views: 10474

Re: Ok fellow bogleheads, was the correction scary or nothing?

Grateful for this moment of reflection and processing. I'm very new to all this. I did have a little extra resources to put to work for total stock index & followed the "free fall" thread very closely. Though it was a minority, there were a few "contrarian" posts from people buying in low at dips (...
by BrandonBogle
Fri Mar 09, 2018 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Ok fellow bogleheads, was the correction scary or nothing?
Replies: 147
Views: 10474

Re: Ok fellow bogleheads, was the correction scary or nothing?

I will say that runup caused me to hit a rebalancing band for the first time, since my contributions only 401k weren’t enough to keep my AA in check. So I shifted a large $$ amount to bonds in late January before I left for a trip. By the time I got back, things had recovered some (before falling ag...
by BrandonBogle
Thu Mar 08, 2018 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Ok fellow bogleheads, was the correction scary or nothing?
Replies: 147
Views: 10474

Re: Ok fellow bogleheads, was the correction scary or nothing?

there was a correction? Honestly, that was my reaction too. I am in my 30s, have a 75/25 AA, and update my spreadsheet maybe every two weeks or so. I didn’t even notice the correction, but I did see the numbers go down. Oh well, that’s part of the process. And thus, to me this means I also have an ...
by BrandonBogle
Thu Mar 08, 2018 7:39 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE SOLD OUT
Replies: 109
Views: 18656

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

Mel et al, I have previously attended and thoroughly enjoyed myself and learned lots. The small group size is a plus for this event. Having said that and given the quick sellout the past few years and the large and growing size of the Bogleheads community, might I suggest for future events some con...
by BrandonBogle
Wed Mar 07, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Index ETF vs. Index mutual fund in taxable account
Replies: 26
Views: 6626

Re: Index ETF vs. Index mutual fund in taxable account

If someone was considering new index position in taxable account - ie for Total International - would slowly building up the ETF -till account minimum -for investor class of fund make sense? I personally prefer ETFs since I hold most of my Vanguard funds at WellsTrade. That said, you really should ...
by BrandonBogle
Wed Mar 07, 2018 11:55 am
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE SOLD OUT
Replies: 109
Views: 18656

Re: 2018 BOGLEHEADS CONFERENCE ANNOUNCEMENT

VictoriaF wrote:
Wed Mar 07, 2018 8:20 am
Please put me on the waiting list. Thank you,

Victoria
Oh shucks. I hope you get to go Victoria. I enjoyed meeting you a few years ago!
by BrandonBogle
Wed Mar 07, 2018 11:52 am
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE SOLD OUT
Replies: 109
Views: 18656

Re: 2018 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Mountebank wrote:
Tue Mar 06, 2018 6:59 pm
I missed last year's conference by waiting one day to register. Check is in the mail today. Whew!
I had a different, but similar experience last year. I made sure to register last night and the check is sitting in my mailbox right now. :sharebeer
by BrandonBogle
Mon Mar 05, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Etiquette of hanging up on live telemarketers
Replies: 77
Views: 3588

Re: Etiquette of hanging up on live telemarketers

In those rare cases I answer such a call, I say "put me on your do not solicit list" and hang, without waiting for them to say anything or midsentence if they didn't stop while I was speaking.
by BrandonBogle
Sun Mar 04, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Withholding calculator update for 2018: Actual withholding amount based on W4 entries
Replies: 10
Views: 921

Re: Withholding calculator update for 2018: Actual withholding amount based on W4 entries

I about freaked out that my 2 allowances would be significantly lower than needed for my estimated 2018 liability, but then I remembered my bonus hasn't paid out yet and that would skew how much I'm putting in this quarter. I did my "annual salary" amount taking my current pay, subtracting my pre-ta...
by BrandonBogle
Sun Mar 04, 2018 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Withholding calculator update for 2018: Actual withholding amount based on W4 entries
Replies: 10
Views: 921

Re: Withholding calculator update for 2018: Actual withholding amount based on W4 entries

Your calculations are only $0.14 more than MegaCorp’s calculation on my biweekly paycheck. That is “close enough” for me! Thanks!
by BrandonBogle
Sun Mar 04, 2018 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Withholding calculator update for 2018: Actual withholding amount based on W4 entries
Replies: 10
Views: 921

Re: Withholding calculator update for 2018: Actual withholding amount based on W4 entries

No problem. Thanks for checking. I’ll use it from my desktop then. I appreciate you poked around to see it isn’t just me.
by BrandonBogle
Sun Mar 04, 2018 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Withholding calculator update for 2018: Actual withholding amount based on W4 entries
Replies: 10
Views: 921

Re: Withholding calculator update for 2018: Actual withholding amount based on W4 entries

I guess OneDrive doesn’t let you play with this in Safari on an iPhone? I can see the spreadsheet, but it looks read-only. The two input fields have grayed out input boxes and do not pop up the keyboard.
by BrandonBogle
Sun Mar 04, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Handling Restricted Stock in Rebalancing
Replies: 12
Views: 943

Re: Handling Restricted Stock in Rebalancing

For those of you who have restrictions on being able to sell your vested RSUs when you want to, I could see a discussion about how to account for them in you AA. However, but about the simplified case of having no restrictions on selling them (assuming vested) whenever you want and without any advan...
by BrandonBogle
Fri Mar 02, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 715
Views: 57613

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

Congratulations! How many colors were you able to see in person? We finally settled on silver, with the 18" rims. I'm thrifty enough that the 19" wheels were never going to happen — 19" tires get expensive after a while. Be careful with this assumption. I thought the same when I purchased my last v...
by BrandonBogle
Thu Mar 01, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard & Safari Not Play Nice
Replies: 19
Views: 631

Re: Vanguard & Safari Not Play Nice

KSOC wrote:
Thu Mar 01, 2018 11:17 am
I use Safari almost exclusively on my Macbook Pro. Zero issues with Vanguard or any other sites.
Same here. That said, my MBP is older and thus is on Mavericks. That said, all available updates are applied.
by BrandonBogle
Mon Feb 26, 2018 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Horrible Experience with Ally New Account Opening Process
Replies: 28
Views: 3348

Re: Horrible Experience with Ally New Account Opening Process

is this the first time opening an account after freezing your credit? I have Ally, and like them, and had no issues opening accounts, but I agree with other posters here, there are likely several great options that can give you the same thing (and may -- or may not -- be easier). Sadly it is no dif...
by BrandonBogle
Sat Feb 24, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Defining "House Poor"
Replies: 299
Views: 16556

Re: Defining "House Poor"

mark4269 wrote:
Fri Feb 23, 2018 10:43 pm
Where in the USA does $1,250 cover PITI?
My PITI is under $1k/mo for a 4-bedroom, 2.5-bath, 1000+ sq. ft. basement, 2-car garage home in a great neighborhood. I live in North Carolina. I'm still under $1,250/mo most months even with utilities included (water + electricity + fuel).
by BrandonBogle
Fri Feb 23, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Defining "House Poor"
Replies: 299
Views: 16556

Re: Defining "House Poor"

Then you're in very good position. I'm glad! House poor does carry a negative connotation, but I think the term is helpful for younger folks who have no idea what they're getting into when they're shopping for house outside their range. They can get to FI goal a lot faster if they buy only house th...
by BrandonBogle
Fri Feb 23, 2018 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Defining "House Poor"
Replies: 299
Views: 16556

Re: Defining "House Poor"

OP, If the house price is more than 40% of your net worth excluding your house, you are "House Poor". KlangFool Ha. It's always entertaining when Klangfool responds to a housing thread. That's just his opinion of what is house poor. You don't have to agree with him, or justify why you don't think y...
by BrandonBogle
Fri Feb 23, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Defining "House Poor"
Replies: 299
Views: 16556

Re: Defining "House Poor"

House poor = you buy more house than you need. Plain and simple. IMO that is too narrow of a view. My house was 2x my annual income when I bought it. That purchase price to today's income is 1.5x. After income taxes, medical insurance, 401k, etc. my mortgage is less than 15% of my monthly take-home...
by BrandonBogle
Fri Feb 23, 2018 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Defining "House Poor"
Replies: 299
Views: 16556

Re: Defining "House Poor"

House poor = you buy more house than you need. Plain and simple. IMO that is too narrow of a view. My house was 2x my annual income when I bought it. That purchase price to today's income is 1.5x. After income taxes, medical insurance, 401k, etc. my mortgage is less than 15% of my monthly take-home...
by BrandonBogle
Wed Feb 21, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Possible Solutions??
Replies: 115
Views: 8042

Re: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help?

Would the rental income qualify for a business retirement account like a SEP IRA or a Solo 401k? I’m not too familiar with either as a W2 employee, but throughing it out there as a possibility. Also, have you taken all possibl deductions for the properties, including depreciation/depletion? Many tim...
by BrandonBogle
Wed Feb 21, 2018 2:41 am
Forum: Personal Consumer Issues
Topic: Potential employer wants me to give offer - how to respond?
Replies: 63
Views: 6041

Re: Potential employer wants me to give offer - how to respond?

noraz123 wrote:
Wed Feb 21, 2018 1:16 am
I wanted to give an update. I gave my numbers, 30% more in total compensation. They agreed, and looks like I will be joining Megacorp, albeit I am now waiting on formal written offer.

Thanks everyone for the help and advice, much appreciated.
Congrats! :sharebeer
by BrandonBogle
Mon Feb 19, 2018 3:12 am
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 9858

Re: Do you wear a wedding band? [at a job interview]

Job interview? Wow. I never thought about it until this very instant. Of course as a software engineer my personal presentation was never of the essence, although I customarily wore shirtsleeves, tie, and dress slacks. I worked twice with recruiters and neither of them said anything about my appear...
by BrandonBogle
Wed Feb 14, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: Used Chevy Volt - Which year should I look at?
Replies: 33
Views: 2619

Re: Used Chevy Volt - Which year should I look at?

My brother in law drive a Volt and he now wishes he would have waited for the Bolt. He says he hates that he has to plug it in every single day whereas with a bolt he could drive for multiple days in a row without charging it. If you don't drive a lot, you'll have very low cost of ownership with a ...
by BrandonBogle
Tue Jan 30, 2018 12:58 am
Forum: Investing - Theory, News & General
Topic: Stable Value Fund Classification
Replies: 11
Views: 1044

Re: Stable Value Fund Classification

The529guy wrote:
Mon Jan 29, 2018 2:33 pm
I classify SVF, bonds, and cash as fixed income.
It only took two minutes. Great job The529guy!
by BrandonBogle
Mon Jan 29, 2018 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Do I Even Need Bond Funds Now? What is the point?
Replies: 7
Views: 1323

Re: Do I Even Need Bond Funds Now? What is the point?

Substitute "bond funds" in your allocation for "cash stability instruments" and then decide what you feel to hold for that allocation. If you are more comfortable with FDIC-insured CDs without onerous early withdrawal penalties, 401k Stable Value Funds (if you have access to them), Money Market fund...
by BrandonBogle
Mon Jan 29, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 8942

Re: WHY do wireless routers need periodic reboots?

Lots of good responses here, so I’ll be brief. I have a ASUS N66U that is cooked up to a UPS system that provides line conditioning (so not just battery backup, but it smoothes out any voltage irregularities). The only time I have an issue with my router and have to reboot is when the dog or cat kno...
by BrandonBogle
Sat Jan 27, 2018 11:53 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 715
Views: 57613

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

Somebody said that since the default color is NOT multi-coat, it will fade in the long run. I don't want to believe that but that possibility exists. I do know that some manufacturers did have problems with some of the colors having problems after few years (e.g. Honda/Acura and some of the colors)...