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Re: Solar Panels?

I considered buying a Toyota Prius a few years ago. Did the numbers and it didn't work out. The savings in gas didn't make the buy work. Bought a Subaru Outback instead. Most of these products (Prius, Chevy Volt, Tesla, hybrid cars, solar panels, etc.) often make no economic sense. They are emotion...
by oragne lovre
Sun Jul 20, 2014 1:30 am
 
Forum: Personal Consumer Issues
Topic: [residential] Solar Panels [in CA]?
Replies: 22
Views: 1757

Re: How much do you spend on your hobby annually?

RunningRad wrote:It depends. Is my wife reading this? ;)


:) :) :)
by oragne lovre
Sun Jul 20, 2014 12:13 am
 
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 6900

Re: Buy a condo for college?

OP, I do not mean to hijack your thread.
Since I have children who are going to colleges in several years, it's also good for me to plan ahead. I just want to say thanks to all of you who provide honest recommendations.
by oragne lovre
Sun Jul 20, 2014 12:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college?
Replies: 29
Views: 2356

Re: I was tempted to market time and didn't

I think playing with a "small money account" is fine for this kind of thing. You may learn something, and it won't help or hurt much. I would just be careful about letting any apparent success in the small money account convince you to try to do much market timing in your big money accoun...
by oragne lovre
Sat Jul 19, 2014 11:46 pm
 
Forum: Investing - Theory, News & General
Topic: I was tempted to market time and didn't
Replies: 19
Views: 1794

Re: If you own a car, do you have a car payment?

I had to finance for 2 cars about 17 years ago since budget was tight. I managed to pay off after about 4 years. We have since driven those cars without any further payment, except for routine oil change, annual checkup, and of course gas. I will soon abandon gas and oil change once Tesla is deliver...
by oragne lovre
Sat Jul 19, 2014 9:15 pm
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 106
Views: 5928

Re: Howard Gold: Emerging Markets are Still Lousy Investment

I've held Vanguard Emerging Market Index for about 10 years. It accounts for approximately 2% of my buy-and-hold asset. I'm increasing bi-weekly investing amount since Emerging Market is "lousy" as this author also observes. I see this Emerging Market Index as a "fun" fund with w...
by oragne lovre
Sat Jul 12, 2014 9:04 pm
 
Forum: Investing - Theory, News & General
Topic: Howard Gold: Emerging Markets are Still Lousy Investment
Replies: 4
Views: 1397

Re: Solar panels, are they worth it?

We live in Texas DFW. It gets really hot from June to Oct and our electric bills are way high during these months. Our home is 3500 square feet 5 bedrooms 4 baths, 2 levels home. It takes a lot to cool or heat up the 2nd floor. We only have electricity no gas in our home. We live on 20 acres rural ...
by oragne lovre
Sat Jul 12, 2014 8:21 pm
 
Forum: Personal Consumer Issues
Topic: Solar panels, are they worth it?
Replies: 53
Views: 4900

Re: Time to buy a tv or wait 2 years?

Luke Duke wrote:http://carltonbale.com/1080p-does-matter/
Image


This chart is awesome!

Thanks
by oragne lovre
Wed Jul 09, 2014 1:39 am
 
Forum: Personal Consumer Issues
Topic: Time to buy a tv or wait 2 years?
Replies: 66
Views: 5680

Re: "Being Done" Saving: White Coat Investor blog post

I thought there is a hard limit of 52K on contributions(both employee and employer) across all 401k accounts for 2014. I wonder how the White Coat Investor is able to get almost 92K into two 401K accounts. Can someone please point out what I am missing? What you are missing is that the limit across...
by oragne lovre
Tue Jul 01, 2014 2:33 am
 
Forum: Investing - Theory, News & General
Topic: "Being Done" Saving: White Coat Investor blog post
Replies: 47
Views: 7530

Re: A $1000 lesson on how manipulative salespeople can be?

Chock it up to lessons learned and you won't make that mistake again. Analyze what it was that made you agree/ strike the deal. What was your mental state, and how are you going to avoid it again? I agree with Valuethinker and would take it as an opportunity to examine how you respond to sales tact...
by oragne lovre
Sat Jun 07, 2014 2:08 am
 
Forum: Personal Consumer Issues
Topic: A $1000 lesson on how manipulative salespeople can be?
Replies: 107
Views: 16889

Re: Book recommendation for 25 y.o.-first job

A Random Walk Down Wall Street by Burton Malkiel http://www.amazon.com/s/ref=nb_sb_ss_c_0_10?url=search-alias%3Dstripbooks&field-keywords=random%20walk%20down%20wall%20street&sprefix=random+wal%2Caps%2C330 If you like it, buy it by clicking Amazon.com link embedded in bogleheads website to s...
by oragne lovre
Sat May 17, 2014 7:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Book recommendation for 25 y.o.-first job
Replies: 12
Views: 829

Re: An easy way to save money: Avoid the $300,000 car.

I'm all for inexpensive but SAFE cars. I don't want to explore other aspects of car ownership we have discussed so far. I want to look at car ownership from another angle, which we may want discuss about a bit more, especially for higher-income bogleheads. Let's assume one's annual income is 500 K. ...
by oragne lovre
Sat May 17, 2014 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: An easy way to save money: Avoid the $300,000 car.
Replies: 152
Views: 17141

Re: Did you tell anyone you paid off your mortgage?

Is it true that anyone can find out if your mortgage is paid off just by looking up somewhere in the internet?
by oragne lovre
Fri May 16, 2014 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 158
Views: 12214

Re: Bogus Vanguard Email Message

It might be helpful to post a picture of it here so people can see what it looks like. What were the signs that it is fake? I don't know how to post a "picture" of an email message. If someone shows me how to post the supposedly fake email on the forum, I'll be happy to do so. Tip-off sig...
by oragne lovre
Thu May 15, 2014 1:45 am
 
Forum: Investing - Theory, News & General
Topic: Bogus Vanguard Email Message
Replies: 17
Views: 1674

Re: Bogus Vanguard Email Message

These things always look so fake. I am surprised but thankful that no crook seems to go to the effort to really make them look authentic. The one I received looked really sophisticated; it had Vanguard ship symbol and picture of coffee mug & newspaper we see on official Vanguard website. The ti...
by oragne lovre
Wed May 14, 2014 11:56 am
 
Forum: Investing - Theory, News & General
Topic: Bogus Vanguard Email Message
Replies: 17
Views: 1674

Re: Bogus Vanguard Email Message

I spoke with a Vanguard person this morning. I explained the situation and asked if she wanted me to forward the suspicious email message to Vanguard. She just asked me to delete it.
Well, I'll forward it to Vanguard, using links some of you recommend then.
by oragne lovre
Wed May 14, 2014 11:45 am
 
Forum: Investing - Theory, News & General
Topic: Bogus Vanguard Email Message
Replies: 17
Views: 1674

Bogus Vanguard Email Message

I received a fake Vanguard email message that asked me to update my "Vanguard account" today. I want to alert this fraud to all bogleheads who have Vanguard account. BTW, anybody knows what is the best way to report it to Vanguard?
by oragne lovre
Wed May 14, 2014 1:48 am
 
Forum: Investing - Theory, News & General
Topic: Bogus Vanguard Email Message
Replies: 17
Views: 1674

Re: Did you tell anyone you paid off your mortgage?

Sure there is! Do you tell people you have a job? Do you tell people you are retired? I do when asked. Why is having a mortgage or not having a mortgage different? If you are embarrassed about not having a mortgage, try this line when asked: I am between mortgages at the present time. I like "...
by oragne lovre
Thu May 01, 2014 10:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 158
Views: 12214

Re: Did you tell anyone you paid off your mortgage?

Sure there is! Do you tell people you have a job? Do you tell people you are retired? I do when asked. Why is having a mortgage or not having a mortgage different? If you are embarrassed about not having a mortgage, try this line when asked: I am between mortgages at the present time. I like "...
by oragne lovre
Thu May 01, 2014 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 158
Views: 12214

Re: An easy way to save money: Avoid the $300,000 car.

Bogleheads: Automobiles are used primarily to get us from point A to point B. Every car sold in America will do that job. Some do it with more comfort or luxury than others, but the cost is higher than most of us realize: I used Edmonds 5-Year True Cost to Own between two similar vehicles: A 2014 T...
by oragne lovre
Thu May 01, 2014 8:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: An easy way to save money: Avoid the $300,000 car.
Replies: 152
Views: 17141

Re: How long to pay off your mortgage?

I've this month paid off my mortgage in 10 years. Accelerating payments toward principal, which I've diligently adhered to for the past 2 years, help. I belong to the camp that is averse to debt.
by oragne lovre
Tue Apr 29, 2014 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long to pay off your mortgage?
Replies: 66
Views: 15158

Re: Invest in IPO or stick with index fund strategy exclusiv

IPO stands for Impoverished Personal Opportunities. I've made this up to remind myself what it usually is . It's not always accurate but it generally holds true for "investing hobbits" like I.
by oragne lovre
Tue Apr 29, 2014 6:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest in IPO or stick with index fund strategy exclusively?
Replies: 21
Views: 1536

Re: practicing medicine in Texas...

I am a surgeon who just moved to Texas in the last few months. I used to practice in New England. Since I am new to the state, I can't give the OP much advice regarding Texas. Questions to the OP, what are your motivations to make a move? Not liking your current job? Wishes to make more money and p...
by oragne lovre
Tue Apr 29, 2014 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: practicing medicine in Texas...
Replies: 56
Views: 13963

Re: POLL: the WORST financial advice you've given/received?

"Buy the most expensive house you can afford since you cannot deduct much at your level of income." That was what a senior colleague told me when I started receiving first paychecks. Even though I was financially illiterate then, my basic arithmetic kept me away from the advice. Until now,...
by oragne lovre
Tue Apr 29, 2014 5:16 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: the WORST financial advice you've given/received?
Replies: 61
Views: 15070

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: 573

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: 244

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: 876

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: 6164

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: 10835

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: 12702

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: 12702

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: 12702

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: 936

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: 1071

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: 1469

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: 12702

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: 12702

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: 12702

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: 12702

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: 12702

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: 12702

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: 3692

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: 796

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: 7990

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: 796

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: 796

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: 1097

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: 7896

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: 996

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: 125637
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