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Re: Beat The Market Week

Beat the Market Week. Leeraar: Hope springs eternal. It is how many companies, the media, advisers, newsletters, newspapers, magazines, authors and websites make money. The Arithmetic of Active Management by Nobel Laurete, William Sharpe Best wishes. Taylor Thanks for posting this excellent excerpt.
by oragne lovre
Tue Apr 22, 2014 12:48 am
 
Forum: Investing - Theory, News & General
Topic: Beat The Market Week
Replies: 4
Views: 494

Any Bogleheads' Experiences With "Marathon De Paris?"

I plan to run Paris Marathon (Marathon De Paris) in April 2015. I'll bring along my wife and 3 children to visit Paris as well. Is there any Boglehead who ever did the Marathon De Paris and wishes to share your experiences?
by oragne lovre
Tue Apr 15, 2014 2:32 am
 
Forum: Personal Consumer Issues
Topic: Any Bogleheads' Experiences With "Marathon De Paris?"
Replies: 0
Views: 164

Re: road trip with kids, Northern California

GenXer wrote:I'd do the Aquarium one day, then head to Carmel or Point Lobos the next.


I second it.
Strolling narrow streets and checking out boutique shops of Carmel are fun things to do.
17-mile Drive is also worth a drive.

Have fun!
by oragne lovre
Fri Apr 04, 2014 1:22 am
 
Forum: Personal Consumer Issues
Topic: road trip with kids, Northern California
Replies: 12
Views: 696

Re: Best Movies of 2013

I saw Gravity, one of the top movie according to the critics. I just do not understand, for sure it must be me. My take: superb photography, but silly (understatement!) plot. I agree. I guess I know too much about orbital mechanics. The effects were great and the movie was entertaining enough, but ...
by oragne lovre
Thu Apr 03, 2014 3:17 am
 
Forum: Personal Consumer Issues
Topic: Best Movies of 2013
Replies: 83
Views: 5540

Re: Frugal Fatigue

I've enjoyed the recent "what do you regret not spending money on" thread. I enjoy reading stories from smart people who live below their means. I save a lot, stay frugal, and am on my way to being the millionaire next door. That said, lately I'm having some FOMO (fear of missing out) fro...
by oragne lovre
Thu Apr 03, 2014 2:47 am
 
Forum: Personal Consumer Issues
Topic: Frugal Fatigue
Replies: 96
Views: 9816

Re: Tesla Motors Stock

I started this thread back in Jul 2013. I'm all for passive investing style. If you peruse the threads, you'll see my purpose was to have jovial moments. Sorry for the confusion. Ah! Dug back through the thread and realized you bought around Jul 12th or so, in which case you're up significantly. If...
by oragne lovre
Tue Mar 25, 2014 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 164
Views: 11526

Re: Tesla Motors Stock

I just looked at the most recent TSLA stock price that was $228.89. Obviously I do not make much money with just one for-bragging-rights share. I, however, am so proud of myself with my exemplary speculation :D I am eager to test-drive the model X once it comes out. The stock is down significantly ...
by oragne lovre
Mon Mar 24, 2014 10:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 164
Views: 11526

Re: Tesla Motors Stock

I just looked at the most recent TSLA stock price that was $228.89. Obviously I do not make much money with just one for-bragging-rights share. I, however, am so proud of myself with my exemplary speculation :D
I am eager to test-drive the model X once it comes out.
by oragne lovre
Sun Mar 23, 2014 11:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 164
Views: 11526

Re: renting out condo management fees

Is it a good idea to hire a real estate agent or broker, who helps you buy a condo, to manage its rental?
BTW, I do not mean to hijack this thread; it's just that I buy a condo and the agent offers to be my condo manager.
by oragne lovre
Sun Mar 23, 2014 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: renting out condo management fees
Replies: 17
Views: 929

Re: Growth of Passive Investing Worldwide in 2012

I wonder if Morningstar will publish this global report annually from now on. It's interesting to see what the trend and geographic distribution look like.
by oragne lovre
Sat Jul 27, 2013 12:14 am
 
Forum: Investing - Theory, News & General
Topic: Growth of Passive Investing Worldwide in 2012
Replies: 8
Views: 1050

Re: Future car purchase - The downward spiral

LAlearning wrote:
Iorek wrote:Get a tesla. ;)


+1


+1
by oragne lovre
Tue Jul 23, 2013 12:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Future car purchase - The downward spiral
Replies: 12
Views: 1460

Re: Tesla Motors Stock

It looks TSLA is downtrending closer to its "true valuation." I have high hope I can get my "fun share." :D Disclaimer: I truly believe in boglehead way, am skeptical of market timing, and thus adhering to diversification. I'm not smarter than the market. I just want to have some...
by oragne lovre
Tue Jul 16, 2013 2:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 164
Views: 11526

Re: Tesla Motors Stock

I would never do this type of investing in one stock for any company whose business/product I did not understand inside out. So my advice to OP: unless your investment is based on real, thorough research, it will simply be a gamble. Nothing wrong with that if you have the money to spare, but make s...
by oragne lovre
Fri Jul 12, 2013 4:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 164
Views: 11526

Re: Tesla Motors Stock

I bought and sold TSLA - Telsa Stock through Vanguard VBS some weeks back. Don't understand why you can not use Vanguard Brokerage. I made 46% in six days with my FUN money. IRA. no taxes edit: I just checked on Vanguard VBS and TSLA is available for trade on the Brokerage Site. investor I've found...
by oragne lovre
Tue Jul 09, 2013 12:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 164
Views: 11526

Re: Tesla Motors Stock

brianbooth wrote:I think optionshouse has the cheapest trades at $4/pop. Only thing cheaper than that is a vanguard brokerage with a half mil sitting in it.

I'll also look at Optionhouse.
Thanks for the info.
by oragne lovre
Mon Jul 08, 2013 7:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 164
Views: 11526

Re: Tesla Motors Stock

Posts like this are like nails on a chalk board to me. I cringe every time. To answer your question you can get Tesla stock by opening any normal taxable brokerage account. Examples are Fidelity, Tradeking, Scottrade etc. Now that I've answered the question can I please ask why you are going to buy...
by oragne lovre
Mon Jul 08, 2013 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 164
Views: 11526

Tesla Motors Stock

I've decided to set aside some "fun money" to play with an individual stock, specifically Tesla Motors. I looked up Vanguard website first to see if I could get some Tesla shares from it. I have, however, not found any individual Tesla stock at Vanguard; it is usually in funds such as Smal...
by oragne lovre
Mon Jul 08, 2013 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 164
Views: 11526

Re: Why are you a boglehead ???

I've espoused boglehead way because: 1. I acknowledge that I'm not smarter than the market 2. I don't believe I'll be happier by grinding for more money which I then spend lavishly; I'll become a slave to money instead of making money be my slave 3. I believe if I enjoy doing well what I know how to...
by oragne lovre
Sun Apr 21, 2013 9:53 pm
 
Forum: Investing - Theory, News & General
Topic: Why are you a boglehead ???
Replies: 60
Views: 3636

Re: Roth IRA recharacterization and e-file

Anybody knows if this problem is only particular with H&R Block software or is it an IRS rule that does not allow IRA recharacterization taxpayers to e-file? I did a recharacterization in the past with H&R Block. Did you call support and ask about it? Brian I talked with H&R Block "...
by oragne lovre
Sun Apr 14, 2013 2:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA recharacterization and e-file
Replies: 5
Views: 512

Re: Spouse wants to purchase a bicycle for 5000.

My colleagues and I once chit-chatted about if we should get convertible cars. My opinion was that I would not get one since I already owned a two-wheeled "all-around convertible"; I got breeze not only for my head, shoulders, chest but also for belly and legs :) And my "two-wheeled c...
by oragne lovre
Sun Apr 14, 2013 1:55 am
 
Forum: Personal Consumer Issues
Topic: Spouse wants to purchase a bicycle for 5000.
Replies: 129
Views: 7827

Re: Roth IRA recharacterization and e-file

Anybody knows if this problem is only particular with H&R Block software or is it an IRS rule that does not allow IRA recharacterization taxpayers to e-file?
by oragne lovre
Fri Apr 12, 2013 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA recharacterization and e-file
Replies: 5
Views: 512

Roth IRA recharacterization and e-file

I'm using H&R Block software to prepare for 2012 tax.
The software reads that I cannot e-file if I recharacterize Traditional IRA to Roth IRA in 2012.
Is it true?
Of note, I was able to e-file for 2011 and I did recharaterize Tra to Roth in 2011.
by oragne lovre
Fri Apr 12, 2013 12:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA recharacterization and e-file
Replies: 5
Views: 512

Re: Your favorite source of historical data

A very good discussion about sources of historical data.
Thanks.
by oragne lovre
Mon Apr 08, 2013 12:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Your favorite source of historical data
Replies: 16
Views: 1089

Re: Mom and Pop Trampled by the Bulls

A capitalist might say that this process is very healthy for society. It takes money from people who make poor investments and gives it too people who make good ones, thus helping society make better decisions overall in the long run. Exactly. I'm pleased our couple Drs.White and Villa were "s...
by oragne lovre
Sun Mar 31, 2013 8:49 pm
 
Forum: Investing - Theory, News & General
Topic: Mom and Pop Trampled by the Bulls
Replies: 76
Views: 7792

Re: Employee stock option options

The one thing not to do is exercise the options and stay invested for long in the company stock. One thing that happened in 2000 to some employees is that they incurred huge AMT liabilities for exercising options but held stocks that plummeted to almost worthless, leaving them with a huge negative ...
by oragne lovre
Sun Mar 31, 2013 7:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Employee stock option options
Replies: 19
Views: 920

Re:

chaz wrote:
stevewolfe wrote:
chaz wrote:
bcboy57 wrote:
chaz wrote:Just fluctuation.


That's what McArthur said to the Japanese in 1945.....


"I will return."


1942.


"The S&P will return."


"The S&P IS returning."
I have no idea which way it'll move one year from now though.
by oragne lovre
Sat Mar 30, 2013 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 742
Views: 122881

Re: Surtax of 3.8% on Net Investment Income

I don't think you are interpreting that right. The scenarios I've seen look like this: 1. "Normal Income" (whatever that is) of $240K plus investment income of $20K. You are taxed on the amount above the $250K, or on $10K. 2. Normal income of $260K plus investment income of $5K. You are t...
by oragne lovre
Thu Mar 21, 2013 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Surtax of 3.8% on Net Investment Income
Replies: 29
Views: 3138

Re: Surtax of 3.8% on Net Investment Income

It looks those whose salaries significantly exceed the thresholds, say $500K a year for married couples filing jointly, should invest somewhere to realize some investment income, say 1K a year, to minimize the effect of ACA surtax. Could you expand on this? Useful discussion. In my example, a marri...
by oragne lovre
Thu Mar 21, 2013 1:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Surtax of 3.8% on Net Investment Income
Replies: 29
Views: 3138

Re: Surtax of 3.8% on Net Investment Income

It looks those whose salaries significantly exceed the thresholds, say $500K a year for married couples filing jointly, should invest somewhere to realize some investment income, say 1K a year, to minimize the effect of ACA surtax.
by oragne lovre
Thu Mar 21, 2013 1:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Surtax of 3.8% on Net Investment Income
Replies: 29
Views: 3138

Re: Surtax of 3.8% on Net Investment Income

Tax- managed mutual funds are taxed the same as any other mutual funds; the name just means that the funds use strategies to reduce the tax due, such as selecting stocks with lower dividend yields and maximizing qualified dividends. These funds will reduce the amount of income subject to the 3.8% s...
by oragne lovre
Tue Mar 19, 2013 10:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Surtax of 3.8% on Net Investment Income
Replies: 29
Views: 3138

Surtax of 3.8% on Net Investment Income

Effective this year, IRS starts imposing 3.8% surtax on the lesser of net investment income (NII) or the amount that exceeds modified adjusted gross income threshold. For now, the threshold is $250K for married couples filing jointly, $200k for most singles, and $125k for married couples filing sepe...
by oragne lovre
Mon Mar 18, 2013 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Surtax of 3.8% on Net Investment Income
Replies: 29
Views: 3138

Re: MD with MBAs question

Thanks for all the info. Will scratch my plans of becoming a wealthy medmal lawyer or top hospital executive for now :) I am all for you doing an MBA or exec MBA. But *not* to make more money-- you'll make the most money by choosing a lucratice specialization and then pursuing it in a lucrative way...
by oragne lovre
Fri Dec 28, 2012 10:48 pm
 
Forum: Personal Consumer Issues
Topic: MD with MBAs question
Replies: 32
Views: 3408

Re: What kind of car are you driving?

Re: What kind of car are you driving? by DFWinvestor » Wed Dec 05, 2012 7:37 pm 2009 Toyota Camry Hybrid for me, mileage 75K. Bought it in March '08, they released the '09 way early. Wife--Mercedes ML 350, 2008 model, 45K miles. I gave her the choice of a used luxury car or brand new car of compara...
by oragne lovre
Wed Dec 19, 2012 6:15 am
 
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 278
Views: 21188

Re: MD with MBAs question

:dollar :arrow: :moneybag :?:
by oragne lovre
Sun Dec 09, 2012 5:06 am
 
Forum: Personal Consumer Issues
Topic: MD with MBAs question
Replies: 32
Views: 3408

Re: What kind of car are you driving?

Sold my "Old Faithful" 1998 Toyota Camry commuter with 198k on it (and still not making a single funny noise, & running as smooth as ever) to a friend who's handy with cars and plans to drive it for several more years. This is after a recent job change reduced the daily commute miles ...
by oragne lovre
Sun Dec 02, 2012 11:17 pm
 
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 278
Views: 21188

Re: What kind of car are you driving?

Toyota Camry 1997, 251000 miles, regular oil change, annual tuneup at a reliable independent car mechanic, a tool not a toy.
by oragne lovre
Fri Nov 30, 2012 12:15 am
 
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 278
Views: 21188

Re: What is the academic literature against the bogleheads?

I guess the only thing I would add is that IMHO one should be careful about the so-called “academic” literature of investing. It’s not exactly the “ivory tower” out there these days- far from it. Many of these so called “academics” are in bed with various investment firms etc. You should always che...
by oragne lovre
Tue Nov 20, 2012 1:53 am
 
Forum: Investing - Theory, News & General
Topic: What is the academic literature against the bogleheads?
Replies: 90
Views: 5995

Re: What does it feel like to have $1M+ liquid?

It feels like a marathon run when I get through my first psychological wall: Geez, Great, I'm past mile 20! But, Shoot, Got to be ready for the next bigger wall at mile 24.

This analogy is probably relevant only to Boglehead runners.

What matters is that I enjoy the challenge tremendously :happy
by oragne lovre
Tue Nov 06, 2012 11:59 am
 
Forum: Personal Finance (Not Investing)
Topic: What does it feel like to have $1M+ liquid?
Replies: 126
Views: 13256

Re: HSA as an Investment Vehicle

bottlecap wrote:No. You must be enrolled in an hdhp and cant be covered by another plan.

JT


Is it possible then if I am disenrolled from my wife's plan and enroll only myself in an HDHP offered by my company?
by oragne lovre
Tue Nov 06, 2012 1:09 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA as an Investment Vehicle
Replies: 3
Views: 311

HSA as an Investment Vehicle

I'm facing with a situation which I think some Bogleheads may have experience with. Since my wife's company offers a good health plan, I pay monthly premium to be enrolled in her plan. My company now offers an HSA to which the company match a 10% of total contribution. My company health plan is, how...
by oragne lovre
Tue Nov 06, 2012 12:20 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA as an Investment Vehicle
Replies: 3
Views: 311

Re: HSA and FSA at the same time

Don't forget that there also exists a childcare FSA. If you have an HDHP, the HSA will be where you recoup medical costs (if you choose to; you can also defer your $). You can still fund a childcare FSA separately, or one of those commuter expense account. But you can't have an HSA for medical purp...
by oragne lovre
Mon Nov 05, 2012 12:15 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA and FSA at the same time
Replies: 30
Views: 2354

Re: A Gem: "The Only Investment Guide You'll Ever Need"

Better yet, it's now available for Kindle download.
by oragne lovre
Fri Sep 14, 2012 11:42 pm
 
Forum: Investing - Theory, News & General
Topic: A Gem: "The Only Investment Guide You'll Ever Need"
Replies: 28
Views: 3665

Re: International Equities - increasing or decreasing risk?

Take a good look at the countries and the companies these international funds invest in. Do you really want to invest in a place like Russia? How about China? Oh yes, those great returns from China... a communist country that manipulates it's currency. Meet some people who have lived in these count...
by oragne lovre
Mon Aug 06, 2012 6:19 am
 
Forum: Investing - Theory, News & General
Topic: International Equities - increasing or decreasing risk?
Replies: 112
Views: 7370

Re: U.S. stocks in freefall

Do I hear the sound of cannon or just have auditory hallucination?
by oragne lovre
Sat Jun 02, 2012 12:45 am
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 742
Views: 122881

Non-qualified Deferred Compensation Plan

My company just offered a Non-qualified Deferred Compensation Plan (NQDCP) to those who have income that exceeds IRS limit to qualify for 401K. My company also matches a percentage of the amount I put in. My understanding is that this NQDCP is controlled by rules and regulations set by the company, ...
by oragne lovre
Fri Jun 01, 2012 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Non-qualified Deferred Compensation Plan
Replies: 2
Views: 349

Re: Interesting analysis for physicians: MDs deceptive incom

It's more likely than not that MDs' average INCOME is higher than that of many other professions. It's more likely than not that MDs' profession consumes more hours than other professions do. It's more likely than not that MDs' average HOURLY PAY is NOT signicantly higher than that of other profess...
by oragne lovre
Sun Feb 26, 2012 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Interesting analysis for physicians: MDs deceptive income
Replies: 119
Views: 8125

Re: Interesting analysis for physicians: MDs deceptive incom

It's more likely than not that MDs' average INCOME is higher than that of many other professions. It's more likely than not that MDs' profession consumes more hours than other professions do. It's more likely than not that MDs' average HOURLY PAY is NOT signicantly higher than that of other professi...
by oragne lovre
Sun Feb 26, 2012 12:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Interesting analysis for physicians: MDs deceptive income
Replies: 119
Views: 8125

Re: Facebook IPO will be the biggest disaster in IPO history

I have no idea which way FB will end up with. I, however, would absolutely not buy any of its shares on IPO day.
by oragne lovre
Wed Feb 08, 2012 12:49 am
 
Forum: Investing - Theory, News & General
Topic: Facebook IPO will be the biggest disaster in IPO history
Replies: 151
Views: 12754

Re:

Or, as that great American philosopher, Woody Allen, said: "Never argue with a fool. They will lower you to their level and then beat you with experience." He wrote this well before the days of internet forums, or he might have had something to include about moderators and message boards....
by oragne lovre
Tue Feb 07, 2012 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Be Wary of Whole Life threads
Replies: 101
Views: 38418

Re: Home is a Consumption Item, Not an Investment

If I'm not mistaken, this topic has been up for debate in this forum many times. The predictable result is that there will be 2 camps: Consumption vs Investment :)
by oragne lovre
Tue Feb 07, 2012 7:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home is a Consumption Item, Not an Investment
Replies: 111
Views: 9871
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