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Re: Boglehead Fitbit group

I a got a fitbit several days ago as an unexpected gift. It didn't work even though it was brand-new!?! Called fitbit and got a replacement, which is seemingly working so far. Am still learning its features. Am going to join the group soon.
by oragne lovre
Thu Jan 29, 2015 10:30 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Fitbit group
Replies: 24
Views: 1538

Re: Chaos, complexity and entropy [for non-physicists]

Before the thread is locked, could anyone please explain how the paper is actionable ? What is main point of the paper for non physicists or non financial experts like me ? Thank you. I can try, ObGyn, to explain how this knowledge has been "actionable" for me (and why I chose this subfor...
by oragne lovre
Thu Jan 29, 2015 11:53 am
 
Forum: Investing - Theory, News & General
Topic: Chaos, complexity and entropy [for non-physicists]
Replies: 58
Views: 3176

Re: Chaos, complexity and entropy [for non-physicists]

I'm hooked after reading only the first 3 pages. I'll complete the article soon.
Thanks a lot.
by oragne lovre
Wed Jan 28, 2015 12:27 am
 
Forum: Investing - Theory, News & General
Topic: Chaos, complexity and entropy [for non-physicists]
Replies: 58
Views: 3176

Re: Anyone regret paying off mortgage early?

Really confused by people who think having no mortgage means no debt. So you don't have any more house insurance payments or property tax payments? As others have mentioned, property taxes/insurance are carrying or operational costs. Also, there is no interest inherent in those charges although in ...
by oragne lovre
Mon Jan 26, 2015 11:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 306
Views: 37280

Re: Anyone regret paying off mortgage early?

saladdin wrote:Really confused by people who think having no mortgage means no debt. So you don't have any more house insurance payments or property tax payments?


Why do home insurance and property tax mean debt?
by oragne lovre
Sun Jan 25, 2015 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 306
Views: 37280

Re: Poll: Principles of Boglehead Philosopy

For the life of me, I have never understood how "living below your means" became so ingrained in an investing philosophy. Don't get me wrong, saving is extremely important. But once you save enough, isn't the goal to have fun with all that money you saved? You can't take it with you. &quo...
by oragne lovre
Sat Jan 24, 2015 10:35 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 66
Views: 3524

Re: Poll: Principles of Boglehead Philosopy

For the life of me, I have never understood how "living below your means" became so ingrained in an investing philosophy. Don't get me wrong, saving is extremely important. But once you save enough, isn't the goal to have fun with all that money you saved? You can't take it with you. &quo...
by oragne lovre
Sat Jan 24, 2015 9:36 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 66
Views: 3524

Re: "When you've won the game, stop playing"

FelixTheCat wrote:
Van wrote:The quote ascribed to Warren Buffet is priceless.

Agreed


Agreed too.

"To make money they didn't need, they risked what they did have and did need."
by oragne lovre
Wed Jan 21, 2015 11:17 am
 
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 8349

Re: Should I Declare Victory and Pack It In?

A bit of insight to current spending as requested... I have no doubt our spending is well in excess of $200k per year. $200 dinners. $100 wine. At a whim. I never pissed away money on "things". Any "things" I have ever bought I expected to make money. Examples: real estate: 3 ba...
by oragne lovre
Fri Jan 16, 2015 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Declare Victory and Pack It In?
Replies: 173
Views: 16603

Re: An Excellent Article about 4% Withdrawal Rule

That article is a not-too subtle plug for low cost funds (which Vanguard happens to have). It does not discuss the myriad issues with using such a rule of thumb, most importantly, is it even valid in this era of lower returns? Withdrawal rate (or strategy if one is not using a constant-dollar schem...
by oragne lovre
Fri Jan 09, 2015 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: An Excellent Article about 4% Withdrawal Rule
Replies: 10
Views: 3261

An Excellent Article about 4% Withdrawal Rule

I've found following article, which is well written in regard with 4% withdrawal rule, very helpful and wish to share with other bogleheads.

http://vanguardblog.com/2014/11/07/the- ... ars-later/
by oragne lovre
Thu Jan 08, 2015 9:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: An Excellent Article about 4% Withdrawal Rule
Replies: 10
Views: 3261

Re: What do you drive, and why?

stan1 wrote:I'm glad to see so many folks fessing up about their fun toys!


I've always considered my car as a tool, not toy. But now I have a second thought: Why not a tool/toy combo? :)
by oragne lovre
Fri Jan 02, 2015 12:03 pm
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 205
Views: 17143

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

It has to be 2015 :happy
by oragne lovre
Fri Jan 02, 2015 11:52 am
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19740

Re: What do you drive, and why?

I'm driving a 1997 Toyota Camry that has logged on about 270,000 miles. I keep it because: 1. It has never left me stranded on freeways 2. It costs only approximately $120 a year for annual maintenance 3. It gives me a peace of mind, e.g. I feel comfortable to park it next to other beaten-down cars ...
by oragne lovre
Wed Dec 31, 2014 7:53 pm
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 205
Views: 17143

Re: Orange County - new to the area

Irvine, just like other places, is not a perfect place for everyone since we have different needs and tastes. It is, however, one of the safest cities in the US for years http://www.latimes.com/local/lanow/la-me-ln-fbi-ranks-irvine-safest-big-us-city-10th-year-20141111-story.html 1. Irvine is more e...
by oragne lovre
Wed Dec 24, 2014 12:46 am
 
Forum: Personal Consumer Issues
Topic: Orange County - new to the area
Replies: 17
Views: 1364

Re: Documentaries to recommend?

For those who like to run or are just curious about long-distance running, check out "The Spirit of Marathon" and "Desert Runners." These are well made documentaries.
by oragne lovre
Mon Dec 22, 2014 11:22 pm
 
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 109
Views: 12675

Re: U.S. stocks in freefall

Why is it, that, on every forum, the longest running threads are always titled: - US stocks in freefall, - discuss the recent volatility in stock markets, - what's up with stocks going down. Because pre-cortex area needs support to suppress the amygdala. And surprizingly, these threads are started:...
by oragne lovre
Tue Dec 16, 2014 10:21 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1195
Views: 221478

Re: U.S. stocks in freefall

Dow down 99.99? Relax, Santa Claus Rally is just around the corner !!! Maybe the Santa Claus rally isn't real. Maybe it's just something our parents made up to make us want to hold stocks in December. :shock: Santa Claus is just around the corner and probably going to give well-behaved buy-and-hold...
by oragne lovre
Tue Dec 16, 2014 10:08 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1195
Views: 221478

Re: U.S. stocks in freefall

A "freefall" around the period when funds pay dividend is not a bad thing. For those who re-invest their dividend, their money may get them a bit more equity.
by oragne lovre
Fri Dec 12, 2014 11:48 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1195
Views: 221478

Re: "Why Retirement at 65 is a Fairy Tale"

What is the main purpose of these "research" papers? (1) Do they want to warn those people who did not save that they cannot retire at 65? Maybe too late. (2) Do they want to warn the government and the society that many people will not retire comfortably at 65? So we may see employment p...
by oragne lovre
Fri Dec 12, 2014 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Why Retirement at 65 is a Fairy Tale"
Replies: 117
Views: 11995

Re: "Why Retirement at 65 is a Fairy Tale"

This is what I think my wife and I could survive with a paid off (small) house: $7,500 food & groceries $1,500 property tax $1,500 insurance(s) $3,000 medicals $1,000 gas $1,500 utilities $2,000 other things ------------------------------- $18,000 However, we are planning for a minimum floor wi...
by oragne lovre
Thu Dec 11, 2014 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Why Retirement at 65 is a Fairy Tale"
Replies: 117
Views: 11995

Re: Documentaries to recommend?

OSUmountaineer wrote:The Two Escobars - about the relationship between the Medellin drug cartel in Colombia and the murder of Andres Escobar, a soccer player who scored an own goal in the 1994 World Cup against the USA.

Fantastic.


Where did you watch it?
by oragne lovre
Mon Dec 01, 2014 4:49 am
 
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 109
Views: 12675

Re: How did you handle the 2008 bear market ?

Welcome to the forum! - How did you handle the 2008 bear market ? It was not an easy time but I trained myself to become more resilient. Specifically, I decided to train for marathons to maintain long-term perspectives. It's a good thing that the portfolio has returned well and I've become a better ...
by oragne lovre
Mon Dec 01, 2014 4:12 am
 
Forum: Investing - Theory, News & General
Topic: How did you handle the 2008 bear market ?
Replies: 79
Views: 7404

Re: What do you splurge on?

1. Home theater systems, SACDs, DVD audio discs - I got to listen to those whistles and bells
2. Marathon-related travels - I just love running through places that I visit; the next one is Paris
3. Books, CDs, software, apps that teach foreign languages
by oragne lovre
Sat Nov 22, 2014 12:45 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 24399

Re: If your networth is over $3 million, how did you do it?

Hello..just curious for those of you who has a net worth over $3 million, what was the most significant source of those savings? Inheritance, real estate, business income, salary or just appreciate in your stock market investments? This is a tough question for those who want to chime in but do not ...
by oragne lovre
Wed Nov 12, 2014 1:34 am
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 301
Views: 46180

Re: How to avoid AMT

Keep in mind that this is a thread from 2010, and that tax changes since that point have likely changed the appeal and strategy for income shifting. The marginal rates at the high end are higher due to a) the 39.6% rate, b) the personal exemption phase out, c) the itemized deduction phase out, d) t...
by oragne lovre
Mon Nov 10, 2014 10:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to avoid AMT
Replies: 51
Views: 9447

Re: For the next year or so, why shouldn't we be in all-cas

I have no doubt that interest rates will rise next year. Economists writing in the International Monetary Fund's 2014 World Economic Outlook note that global real interest rates have been trending lower since 1982, long before the Great Recession and the Fed's quantitative easing program — and to q...
by oragne lovre
Mon Nov 10, 2014 10:06 pm
 
Forum: Investing - Theory, News & General
Topic: For the next year or so, why shouldn't we be in all-cash?
Replies: 54
Views: 7639

Re: How to avoid AMT

I've resurrected this four-year-old thread since I've found it help me understand the issue. The caveat is that it might be outdated. Just curious if there is any change of $433,800 phase-out threshold?
by oragne lovre
Sun Nov 02, 2014 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to avoid AMT
Replies: 51
Views: 9447

Re: What are you up YTD?

I apologize for responding with questions. However: Why check this? Is this part of your IPS? Does it make you feel better? What’s the fun of being on a roller coaster if you’re just gonna close your eyes throughout the ride? The caveat of having fun with core long-term investment is that one may r...
by oragne lovre
Fri Oct 31, 2014 10:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 271
Views: 30085

Re: "Why Bother With Bonds" -- A Gem

Bogleheads: Rick Van Ness is a successful private investor and retired executive who provides investor education using online videos, short books, and workshops. Rick has an MBA in Finance and is a valuable contributor to our forum and our wiki. Below are excerpts from his latest book, Why Bother W...
by oragne lovre
Fri Oct 31, 2014 7:23 pm
 
Forum: Investing - Theory, News & General
Topic: "Why Bother With Bonds" -- A Gem
Replies: 33
Views: 9210

Re: What are you up YTD?

gkaplan wrote:I'll let you know at the end of the year, if this thread is still active.


+1
by oragne lovre
Fri Oct 31, 2014 6:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 271
Views: 30085

Re: Why do Engineers Think They’ll Be Good at Picking Stocks

Sunny Sarkar wrote:...Where we go wrong is in identifying very complex systems in real life that have too many variables to which this methods do not apply - like ... relationships, economy, stock picking, etc. .


+101. And the best sentence of the best post on this thread!!!
by oragne lovre
Mon Oct 27, 2014 8:51 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 135
Views: 11025

Re: Why do Engineers Think They’ll Be Good at Picking Stocks

I assume Newton knew a lot about math but he still lost his money in the tulip craze. It was follow-the-herd behavioral issue, not the math, that did him in.
by oragne lovre
Fri Oct 24, 2014 11:53 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 135
Views: 11025

Re: Tesla S

The subject line of this thread should become "Tesla SX" since model X is also frequently discussed about.
But don't hold your breath for model E since BMW makes a big fuss about it :mrgreen:
by oragne lovre
Thu Oct 23, 2014 1:59 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 556
Views: 66499

Re: Why do Engineers Think They’ll Be Good at Picking Stocks

To become a better investor, one should learn from other fields that are not related to one's expertise. I agree with the author on this point.
by oragne lovre
Thu Oct 23, 2014 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 135
Views: 11025

Re: Should I (physician) get an MBA?

Should I get an MBA? I have an MD and am practicing in a large healthcare organization as a specialty physician. I am recently out of training. I was thinking of pursuing a part-time or executive MBA to get involved in administration later in my career. I wanted to get some knowledge and also to ge...
by oragne lovre
Wed Oct 22, 2014 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I (physician) get an MBA?
Replies: 31
Views: 3913

Re: Headed for a 300+ point loss today?

autonomy wrote:Aaaaand we're on our way up this rollercoaster. This comic captures it perfectly:

Image


A cartoon that is worth a thousand words :)
I've noticed that this thread has been quiet for about 72 hours.
by oragne lovre
Tue Oct 21, 2014 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 36938

Re: Headed for a 300+ point loss today?

I care if the market makes big moves because my entire rebalancing strategy is based on such moves. On a daily basis? If needed, yes. For instance, if the market drops 5% tomorrow, I will rebalance. If it drops a further 5% on Monday, I will rebalance. If it drops 10% on Tuesday, I will rebalance. +1
by oragne lovre
Fri Oct 10, 2014 12:36 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 36938

Re: What's Your Takeaway from 2014 High Valuation

livesoft wrote:
oragne lovre wrote:I don't know if the equity market is now at its peak or not

A few asset classes are more than 5% off their peaks. It might be time to rebalance soon.


I'm doing "opportunistic" re-balancing gradually :happy
by oragne lovre
Thu Sep 25, 2014 12:14 am
 
Forum: Investing - Theory, News & General
Topic: What's Your Takeaway from 2014 High Valuation
Replies: 52
Views: 4534

Re: What's Your Takeaway from 2014 High Valuation

I do know that stocks are highly valued now. How do you know this? Did you read it as a headline on Yahoo? I used to say the same things until I was wisened up by the Boglehead's reading list. Have you tried reading any of those books? I'm legitimately trying to be helpful. No snark intended. Thank...
by oragne lovre
Wed Sep 24, 2014 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: What's Your Takeaway from 2014 High Valuation
Replies: 52
Views: 4534

What's Your Takeaway from 2014 High Valuation

I don't know if the equity market is now at its peak or not. I do know that stocks are highly valued now. I promise to myself one thing: "Do not let my shirt pulled up so high that it blindfolds my eyesight. I might lose my shirt that way."
by oragne lovre
Wed Sep 24, 2014 10:39 am
 
Forum: Investing - Theory, News & General
Topic: What's Your Takeaway from 2014 High Valuation
Replies: 52
Views: 4534

Re: Who holds your Solo 401k?

EmergDoc wrote:Mine is at Vanguard, but there are good reasons to go somewhere else:

http://whitecoatinvestor.com/where-to-o ... solo-401k/

Etrade, for instance, should get a mention on this thread.


+1
by oragne lovre
Mon Sep 22, 2014 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Who holds your Solo 401k?
Replies: 37
Views: 2565

Re: Do I need to send in estimated tax????

placeholder wrote:
oragne lovre wrote:Is this site trustworthy? It asks for SSNs.

What do you mean?


This site asks for your full name and social security number.
by oragne lovre
Sat Sep 20, 2014 12:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Do I need to send in estimated tax????
Replies: 32
Views: 2145

Re: Do I need to send in estimated tax????

Yes, probably, but it depends. Do you meet one of the so-called "safe harbors" for paying taxes? [Link removed. (I had the link for the text of safe harbor and not for anything else. No one should pay a fee to pay taxes.] Why not have taxes withheld from your pension paychecks? Is this si...
by oragne lovre
Fri Sep 19, 2014 11:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need to send in estimated tax????
Replies: 32
Views: 2145

Re: Jason's Zweig's new dictionary ---enjoy

I've extremely enjoyed, especially the "averaging down."
by oragne lovre
Thu Sep 18, 2014 11:14 pm
 
Forum: Investing - Theory, News & General
Topic: Jason's Zweig's new dictionary ---enjoy
Replies: 28
Views: 2786

Re: Buying CDs

Dandy, What a terrific synopsis of direct vs. brokered CDs! I am in the process of slowing converting CDs with numerous different banks to brokered issues under the Vanguard umbrella. Getting a little tired of dealing with different banks and waiting for the funds through checks or ACH as they come...
by oragne lovre
Mon Sep 15, 2014 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying CDs
Replies: 30
Views: 3666

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Are you thinking of just living on a rural farm somewhere in the middle of nowhere? I hear this is what a farmhouse in parts of France are like. They come with a one-speed bike to ride into town for a baguette and cheese. Do you happen to have links to such French places? Here is a place used by my...
by oragne lovre
Fri Sep 12, 2014 11:28 pm
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5980

Re: Buffett: Modern investment theory is horse-pucky

A journalist's lack of understanding of Modern Portfolio Theory results in, intentionally or un-intentionally, what borders on a journalistic fraud. The journalist's undesirable article, however, creates an exciting debate. "Wow. Just Wow. Breathtaking. Bookmarked." As opposed to Nisiprius...
by oragne lovre
Fri Sep 12, 2014 10:42 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett: Modern investment theory is horse-pucky
Replies: 119
Views: 10515

Re: Calculated Spending: Cars

For Warren Buffett, he does not spend .00000...1% of his assets to buy a car. Too many zeros. A Cadillac DTS is about $40,000 Warren Buffett's net worth is about $64 billion. That's a whopping 0.00006%. Cars are expensive, even for the insanely wealthy. Did that need a smilie? Warren Buffett is def...
by oragne lovre
Fri Sep 12, 2014 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculated Spending: Cars
Replies: 42
Views: 3009

Re: Calculated Spending: Cars

I've always used the IRS mileage reimbursement rate as a benchmark. I only mention this as a cost comparison to judge how much is cheap/expensive. It also provides a reminder to consider total life cycle cost of the car. You can check Pub 17 or whatever IRS info covers this, but it seeks to roll up...
by oragne lovre
Fri Sep 12, 2014 7:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculated Spending: Cars
Replies: 42
Views: 3009
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