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Re: Tesla S

On the Tesla Motor Club forums, people have gotten quotes for $25k currently and expect to to move closer to $10k over the next few years as the gigafactory comes online. To me, until Tesla comes up with an official public price, it is a major impediment to buying the car, whether new or used, but ...
by BrandonBogle
Sun Apr 26, 2015 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 656
Views: 82545

Re: Should I use Roth funds for new car (lump sum) purchase?

^ I would also remark that the overall process varies quite a bit depending on the dealer. The Toyota 4Runner and Lexus IS required signing maybe 3-4 times. Everything was pretty much filled out and printed, and then you just sign once verifying. We once bought a VW and that dealer required on less ...
by BrandonBogle
Sat Apr 25, 2015 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I use Roth funds for new car (lump sum) purchase?
Replies: 15
Views: 1201

Re: Should I use Roth funds for new car purchase?

About a year ago, I got a 0% interest car loan after negotiating to pay cash. It certainly helps with cash flow and taxes. So I would rethink the idea of not financing. If that happened, I'd do it. I don't like to mess up the price negotiations so I go in there planning to negotiate a cash deal. If...
by BrandonBogle
Sat Apr 25, 2015 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I use Roth funds for new car (lump sum) purchase?
Replies: 15
Views: 1201

Re: Tesla S

Congratulations BrandonBogle, that's awesome. Something that just occurred to me (I know, I'm slow on the uptake) is that purchasing a used Tesla (or other EV) will be less anxiety inducing than buying a used ICE vehicle. Unless it's been in an accident, or there are cosmetic (and visible) issues, ...
by BrandonBogle
Sat Apr 25, 2015 10:16 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 656
Views: 82545

Re: Tesla S

4nursebee wrote:BBOGLE, was the car local to you or does TSLA ship the car to your nearest center?


Mine is coming from DC; no transport fee either.
by BrandonBogle
Sat Apr 25, 2015 10:08 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 656
Views: 82545

Re: Tesla S

Wow, that's a heck of a deal, assuming it's a S85. Congrats! Yes. P85s seem to be in the mid-upper $60s and above. I've driven my neighbor's S85 and no need for the P for me (talk about Tesla spirit, 3 days after he got it he handed me the keys, said "enjoy and be back before six please!"...
by BrandonBogle
Fri Apr 24, 2015 11:59 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 656
Views: 82545

Re: Tesla S

OMG! OMG! OMG!!!!!!!!! The Tesla CPO website went live tonight and I glanced around. Found a nice 2013 Dolphin Gray 85 w/ Tech and Air Suspension, Panoramic moonroof, Black Leather Seats, and Obece Wood Gloss interior. No autopilot, no folding mirrors, no parking sensors, no AWD, no alcantara headli...
by BrandonBogle
Fri Apr 24, 2015 11:32 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 656
Views: 82545

Re: Should I use Roth funds for new car purchase?

The first point would be to evaluate whether you want to spend $25k on a "new" car or less on a "new-to-you" car. Regardless of that decision, then you need to decide how you will pay for it. Personally, I am NOT debt-adverse where it makes sense . If you have pay $1,500 in taxes...
by BrandonBogle
Fri Apr 24, 2015 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I use Roth funds for new car (lump sum) purchase?
Replies: 15
Views: 1201

Re: “Entry level” luxury cars under 40k

There have been a few mentions about this in the posts, but most seem to have glazed over them. Why limit the selection to new cars? You can find cars from 2010 and on in the "luxury" category for under 40k no problem. This could run the gamut of options. I almost bought a M37x after drivi...
by BrandonBogle
Tue Apr 21, 2015 10:27 pm
 
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 94
Views: 8176

Re: Anxiety about market fluctuations

Would you please explain your avatar to me? I keep staring at it, trying to figure out what the texture is on the outside of that cup. - Tim Tim, I LOVE coffee and have a penchant for cookies. Seemed logical to seek out this cookie coffee cup! http://thewateringmouth.com/edible-cookie-cup-by-enriqu...
by BrandonBogle
Thu Apr 16, 2015 8:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anxiety about market fluctuations
Replies: 13
Views: 1132

Re: Anxiety about market fluctuations

Thank you all for your replies. As for the portfolio allocation, I have a 70/30 split Equity-Bond, 70/30 split US-Intl, and using a 3-fund approach. The value of the portfolio causes me no loss of sleep thankfully. I am very comfortable there, even if today there is a 50% drop in both equities and b...
by BrandonBogle
Thu Apr 16, 2015 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Anxiety about market fluctuations
Replies: 13
Views: 1132

Anxiety about market fluctuations

Good day fellow Bogleheads! First and foremost I want to thank you all for your help and inspiration over the last two years. While I had some Boglehead-like investing principles, it really changed things joining and learning over the past two years! Recently, I've been giving serious thought to loo...
by BrandonBogle
Thu Apr 16, 2015 7:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Anxiety about market fluctuations
Replies: 13
Views: 1132

Re: The Three Fund Portfolio

Any thoughts on constructing a Three Fund Portfolio inside the government's Thrift Savings Plan? I am specifically wondering about the use of the F (Total Bond Market) fund and G (guaranteed government securities) fund, and how and why people would choose between the two. fortyofforthy, I would che...
by BrandonBogle
Wed Apr 15, 2015 10:45 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1069
Views: 491244

Re: Reached My Goal, Thanks, Major Life Changes Afoot

It was really really difficult to contemplate half the household income going away. Time will tell I guess - but having a decent amount as backup does free the mind from some of the worries of no longer being a double income household. I'm actually more excited about your career moves. Everyone her...
by BrandonBogle
Thu Apr 09, 2015 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reached My Goal, Thanks, Major Life Changes Afoot
Replies: 14
Views: 2583

Re: Tesla S

While I definitely want a center console, I just decided to look at the car as $600 more expensive and gave people who do not want a center console the option to not having it and saving that money. The mental trick there helps swallow the $600 cost for getting a piano black center console installed...
by BrandonBogle
Thu Apr 09, 2015 9:49 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 656
Views: 82545

Re: Tesla S

Oh yes, taking that into account. 70D, metallic paint, pano roof, standard wheels, autopilot, upgraded stereo. Then either black leather and standard headliner, or premium interior with gray seats and black headliner. Yesterday, the configuration would have been 85D, metallic paint, standard wheels,...
by BrandonBogle
Wed Apr 08, 2015 9:56 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 656
Views: 82545

Re: Reached My Goal, Thanks, Major Life Changes Afoot

Congratulations! I am glad to hear you and your wife not only hit your first goal, but planned a lifestyle change around it. Not necessarily going out and being crazy, but trading in the "rat race" for something more enjoyable since life is too short! This is a great inspiration for the re...
by BrandonBogle
Wed Apr 08, 2015 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reached My Goal, Thanks, Major Life Changes Afoot
Replies: 14
Views: 2583

Re: Tesla S

Fellow Tesla owning (and following) Bogleheads, how do you feel about the power liftgate on your vehicle? With today's changes dismantling of the tech package (making the power liftgate part of the premium package) and the introduction of the 70 kWh dual motor Model S, the car is now in my sweet spo...
by BrandonBogle
Wed Apr 08, 2015 8:49 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 656
Views: 82545

Re: Help with some important financial questions

Now that I have about 40K in my savings account, should I continue to save 30%/year for next couple of years - 40k would be sufficient for my portion of the downpayment. Personally, I would not. Assuming your emergency funds are also in order, since financial independence is an important quality to...
by BrandonBogle
Wed Apr 08, 2015 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with some important financial questions
Replies: 9
Views: 883

Re: Unclear on taxes for a "reverse" rollover

Can they make the check payable to "Fidelity IRA for benefit of (you)"? That's how Fidelity did it when I was moving my Fidelity 401k to a VG IRA. It is kind of weird that they can't do a transfer from one plan to another within their own company. This is also how Vanguard 401k did it for...
by BrandonBogle
Tue Apr 07, 2015 11:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Unclear on taxes for a "reverse" rollover
Replies: 6
Views: 414

Re: Help with some important financial questions

To piggy off of LadyGeek, I would approach your manager about your long-term career plan with your organization. Not to make it sound you are looking to leave, but to have a roadmap of where you are going. Good luck! As for your first question, I am with others to not pay it off until you answer the...
by BrandonBogle
Tue Apr 07, 2015 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with some important financial questions
Replies: 9
Views: 883

Re: EMERGENCY! Need to stop an ACH transfer happening tomorr

You could also put a stop payment on it to potentially avoid the payment getting processed out of your checking account. That said, I concur with others that there is more to your story and on the surface, it doesn't pass the sniff test since any overpayment is not "lost" money, just an ad...
by BrandonBogle
Tue Apr 07, 2015 7:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Need[ed] to stop an ACH transfer [that once was] tomorrow
Replies: 11
Views: 2523

Re: Vanguard advice to increase international bonds and stoc

I was wondering if following this advise is wise as we have one year until we retire. Any input is appreciated. If I was one year away from retirement, I would not be worried about increasing international stocks or bonds as they will make a neglible earnings difference in one year. Instead, I woul...
by BrandonBogle
Sat Apr 04, 2015 11:19 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard advice to increase international bonds and stocks
Replies: 27
Views: 3372

Re: Credit Freeze and NEW Credit Cards

Victoria, Credit freezes are one of the best moves you can make to secure your financial credit, better than credit reporting in the sense that they never let a bad actor open a line of credit you would need to be concerned about . I just wanted to note that this is what essentially happens, it is ...
by BrandonBogle
Wed Apr 01, 2015 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze and NEW Credit Cards
Replies: 12
Views: 814

Re: Credit Freeze and NEW Credit Cards

VictoriaF wrote:Brandon,

Did your mother have to pay for a temporary UNfreeze?

Victoria


No, but because...
Rupert wrote:You also don't have to pay to unfreeze if you're a victim of identity theft. You have to send each credit company a copy of a police report or a Federal Trade Commission report to prove you're a victim.
by BrandonBogle
Wed Apr 01, 2015 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze and NEW Credit Cards
Replies: 12
Views: 814

Re: Credit Freeze and NEW Credit Cards

My mothers reports are frozen at the big 3. When applying for a BarclaysCard, she got a generic rejection letter since they couldn't pull her report. I just haven't bothered following up with them in order to unfreeze the report and get it processed. For FIA (Fidelity Amex), we got the initial rejec...
by BrandonBogle
Wed Apr 01, 2015 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze and NEW Credit Cards
Replies: 12
Views: 814

Re: Obamacare subsidy and Roth IRA conversion

WhiskeyTangoFoxtrot wrote:He'd have to be 59 1/2 and I'd be 90 wondering where's my funds.


I thought once you were eligible for Medicare, you would no longer be eligible for any ACA subsidies. Did I misunderstand something?
by BrandonBogle
Sat Mar 28, 2015 7:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Obamacare subsidy and Roth IRA conversion
Replies: 13
Views: 2466

Re: Tesla X

Even if they make a delivery in 3Q 2015, they said full production will not be until 2016. Now, personally, I don't think 3Q 2015 will be met when an unveil of the final design hasn't even happened yet and we are days away from starting 2Q 2015. But for those who made a deposit on a Model X, I hope...
by BrandonBogle
Fri Mar 27, 2015 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 15
Views: 1784

Re: Tesla X

Even if they make a delivery in 3Q 2015, they said full production will not be until 2016. Now, personally, I don't think 3Q 2015 will be met when an unveil of the final design hasn't even happened yet and we are days away from starting 2Q 2015. But for those who made a deposit on a Model X, I hope ...
by BrandonBogle
Fri Mar 27, 2015 11:45 am
 
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 15
Views: 1784

Re: how much mortgage would you be comfortable with?

Jeff, I make significantly less than you and do not live in a HCOL area, but I will put in my $0.02. Others have alluded to this as well. Personally, I would not move for another year. Spend the time really figuring out where you want to be, and also actually getting the raise and getting accustomed...
by BrandonBogle
Thu Mar 26, 2015 1:05 am
 
Forum: Personal Finance (Not Investing)
Topic: how much mortgage would you be comfortable with?
Replies: 43
Views: 4429

Re: Costco/AmEx relationship ending. New Costco MasterCard?

I say good riddance to AMEX, since it is not used that widely in other places. I get tired of flipping it out, only hear them say, sorry we do not take AMEX. I will look forward to a replacement. Just hope we get all the same perks with the new card. What about Vanguard, sure would be nice if they ...
by BrandonBogle
Wed Mar 25, 2015 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Costco/AmEx relationship ending. New Costco MasterCard?
Replies: 85
Views: 150207

Re: Where do I learn how much one SHOULD spend on a home?

Op, Kenyan is giving you some great advice here that others have echoed in this thread. A house is first and foremost a consumption item. Even then, you spend time and money dealing with things. Turning it into a rental/investment property is then taking on a second job. While it certainly is possib...
by BrandonBogle
Wed Mar 25, 2015 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Where do I learn how much one SHOULD spend on a home?
Replies: 64
Views: 5385

Re: Obamacare subsidy and Roth IRA conversion

I would say it runs similar to people who reinvest dividends and capital gains in a taxable account. Even though they get more shares as a result, they have to pay taxes on dividends and capital gains and it is included in your income. Now, one could argue that you could withdraw from a taxable acco...
by BrandonBogle
Wed Mar 25, 2015 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Obamacare subsidy and Roth IRA conversion
Replies: 13
Views: 2466

Re: Where do I learn how much one SHOULD spend on a home?

Homes CAN be good investments, but it is not a decision you should make in a rush or without being well-informed. I will rephrase this that a home can be a good investment towards stabilizing you long-term housing costs. With some variability for insurance, taxes, maintenance, repairs, etc. your ho...
by BrandonBogle
Tue Mar 24, 2015 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where do I learn how much one SHOULD spend on a home?
Replies: 64
Views: 5385

Re: One Level or Two Level House

You may also get lucky on the basement. My house's main level has 3 steps in front, but around back, you have to go up the stairs of the deck to get to the main level - the basement is a walkout in the back. I've contemplated converting it to a rental space as my basement is just over 1,000 sq ft an...
by BrandonBogle
Sun Mar 22, 2015 12:22 pm
 
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 5904

Re: New vs used cars

If I can get 6.5% ROI, even in nominal instead of real terms, personally I won't be worried about "loosing out" on $311k! I'm currently using 2.5% real as my expected growth rate over the next 60 years for my projections. :D
by BrandonBogle
Sat Mar 21, 2015 1:34 pm
 
Forum: Personal Consumer Issues
Topic: New vs used cars
Replies: 39
Views: 2773

Re: New vs used cars

The only way to save significant sums of money on cars is to be a cheapskate and drive a beater. I wouldn't say that is the only way. But that and/or keeping cars a long time (around 10 years or even more) will bring significant savings versus changing every 2-4 years. Now, I will say that doing bo...
by BrandonBogle
Sat Mar 21, 2015 12:04 pm
 
Forum: Personal Consumer Issues
Topic: New vs used cars
Replies: 39
Views: 2773

Re: Where do I learn how much one SHOULD spend on a home?

I wish I had more advice for you, but I do not. What I will say is that you may want to approach this differently. At your stage in life, you have lots of flexibility. This could mean not buying now if you decide, or buying a house that will not be your forever home, or finding that perfect house to...
by BrandonBogle
Sat Mar 21, 2015 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Where do I learn how much one SHOULD spend on a home?
Replies: 64
Views: 5385

Re: Lowest income at which able to Max 401k and IRA

I have to thank mom for this. I finished undergrad right during the dot com crash. Couldn't find a job with my BS in Comp Sci and I knew I wanted to get a Masters anyway. Mom told me to transfer to being a distance student and move back in at home. Landed a job in less than a week, but in retail ins...
by BrandonBogle
Sat Mar 21, 2015 12:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Lowest income at which able to Max 401k and IRA
Replies: 31
Views: 2716

Re: Help w/ my mom's financial situation

For my mother, part of my help was an agreement that she would ignore it and not care one way or the other for five years. This provided enough time that she wouldn't worry about daily fluctuations and then can blow off any blips. That helped, but timing was also fortunate that the market has done v...
by BrandonBogle
Fri Mar 20, 2015 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ my mom's financial situation
Replies: 18
Views: 1791

Re: Help w/ my mom's financial situation

I concur with the last poster. Even if she cannot get her own SS because of lack of credits, if she and your dad were married for 10 years, she will still get a spousal benefit of 1/2 of what he would get, minus any timing adjustments (taken at full retirement age, early, or late). Now, if he also w...
by BrandonBogle
Fri Mar 20, 2015 5:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ my mom's financial situation
Replies: 18
Views: 1791

Re: Car Accident in Front Yard

cherijoh wrote:Looked down momentarily - yeah right! The kid was texting no doubt. Hopefully he learned his lesson - that could easily have been a fatal "accident".


Not that I disagree with you, but "looked down momentarily to change radio station" is what's in the police report.
by BrandonBogle
Fri Mar 20, 2015 5:20 pm
 
Forum: Personal Consumer Issues
Topic: Car Accident in Front Yard
Replies: 34
Views: 3159

Re: Car Accident in Front Yard

Last Thanksgiving I had a similar incident, but the wreck occurred in my yard. One of the neighbor's kids "looked down momentarily" and went full speed through one fence/gate, across the yard (gf was letting the dog out and literally jumped out of the way of the car and the dog ran back in...
by BrandonBogle
Fri Mar 20, 2015 5:02 pm
 
Forum: Personal Consumer Issues
Topic: Car Accident in Front Yard
Replies: 34
Views: 3159

Re: Tesla S

I thought I read on the TMC forums that some member mounted their "wall connector" to the ceiling and used a tool pulley to keep the connector above the path of the car until needed. Perhaps that is an option instead of detouring the electrical through landscaping.
by BrandonBogle
Wed Mar 18, 2015 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 656
Views: 82545

Re: Tesla S

If this was previously posted, my apologies. I'm hoping to get my X model towards the end of the year. My electrician says that the Wall Connector will be challenging to install. The 240 40 amp charger seems fine for overnight charging, but I would probably have to install a Ballard since the max d...
by BrandonBogle
Wed Mar 18, 2015 10:30 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 656
Views: 82545

Re: One Level or Two Level House

I have a two-story home and all the bedrooms are upstairs. Kitchen is downstairs but bedrooms and library are upstairs and that gives me a great way to exercise. I go up and down that stairs at least 30 times a day when I'm not at work. I may have a different opinion 20 years from now but for now, ...
by BrandonBogle
Tue Mar 17, 2015 8:12 am
 
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 5904

Re: Russell 2000 underperformance

I hold a Russell 2000 index fund in my 401k alongside a S&P 500 index fund at a 14%/86% ratio to approximate the Total Stock Market (which is not available in my 401k) per http://www.bogleheads.org/wiki/Approxim ... ock_market
by BrandonBogle
Sun Mar 15, 2015 11:55 am
 
Forum: Investing - Theory, News & General
Topic: Russell 2000 underperformance
Replies: 7
Views: 1166

Re: The Three Fund Portfolio

Welcome PT53! And congratulations on a great tenant in any investment advice - be willing to ask and be willing to be challenge (if it's true and worthwhile, it will survive the challenge). In response to your query, it is no longer true for the purposes of passing through the foreign taxes paid; Va...
by BrandonBogle
Fri Mar 13, 2015 8:53 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1069
Views: 491244

Re: Dip? What Dip? Did you catch it?

I guess I'm catching today's progression of the dip - it's payday and I contribute to our 401k.
by BrandonBogle
Fri Mar 13, 2015 1:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 12609

Re: If 2% is real, we are . . . . ?

Dr. Bernstein's predictions are dangerous. They are just as dangerous as those predicting 12% returns who will never save enough. Dr. Bernstein's predictions risk building way too much fear where you spend your whole life as a miser afraid to spend even a penny on anything that isn't absolutely nec...
by BrandonBogle
Wed Mar 11, 2015 10:48 pm
 
Forum: Investing - Theory, News & General
Topic: If 2% is real, we are . . . . ?
Replies: 63
Views: 6488
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