Search found 375 matches

by oragne lovre
Mon Jul 20, 2015 8:37 pm
Forum: Investing - Theory, News & General
Topic: What 2008/09 has done to me
Replies: 158
Views: 18781

Re: What 2008/09 has done to me

It has helped me truly understand the meaning of "What doesn't kill you makes you stronger."
by oragne lovre
Sun Jul 19, 2015 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 254
Views: 28971

Re: Tesla Motors Stock

I stumble on following article on my second "anniversary" of TSLA holding. I've found it entertaining.

http://www.mercurynews.com/business/ci_ ... sk-sell-us

I've so far selfishly enjoyed the fun a $100 can buy :D
by oragne lovre
Tue Jun 30, 2015 9:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1407
Views: 278194

Re: U.S. stocks in freefall

bump :D I scratch my head every time I see someone bump this thread for a 1% - 2% drop. Is it because some people on this thread actually consider 1% a free fall? Or is it that we are making fun of the media going crazy over a 1% drop? I assume it's the latter. Neither the folks bumping it or the f...
by oragne lovre
Tue Jun 30, 2015 12:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1407
Views: 278194

Re: U.S. stocks in freefall

surfstar wrote:Hope it stays down until Fri - my payroll contributions go in Thu at close!


I second it.
by oragne lovre
Sun Jun 28, 2015 11:16 pm
Forum: Personal Consumer Issues
Topic: Purchase '98 Toyota Camry?
Replies: 28
Views: 2697

Re: Purchase '98 Toyota Camry?

I think it makes sense. I'm driving a 97 Camry that has logged on about 280K miles. The car still helps me commute for work without causing any major headache. All I need to do is change oil regularly and spend about $100 a year for maintenance. Insurance premium and DMV fee are also low. The car is...
by oragne lovre
Sun Jun 28, 2015 6:38 pm
Forum: Personal Consumer Issues
Topic: can you recommend comfortable walking shoes?
Replies: 48
Views: 4845

Re: can you recommend comfortable walking shoes?

I have been wearing various models from Ecco for years. Very happy with them. Walking, golf, hiking, sandals ... I like Ecco as well. About 10 years ago, I bought a pair of black, "dress-up" Ecco shoes to pound on cobbled streets of Paris. It looks stylish and is as comfortable as a pair ...
by oragne lovre
Wed Jun 17, 2015 12:17 am
Forum: Personal Consumer Issues
Topic: Most Beautiful Nature Destinations
Replies: 50
Views: 6430

Re: Most Beautiful Nature Destinations

nisiprius wrote:Just don't ignore what you can see when you walk around the block.

Image


Nisiprius,

That's a beautiful picture.
BTW, how do you post your picture on this site?
by oragne lovre
Tue Jun 16, 2015 10:43 am
Forum: Personal Consumer Issues
Topic: Most Beautiful Nature Destinations
Replies: 50
Views: 6430

Re: Most Beautiful Nature Destinations

I've been to Kauai and will come back again. Its Secret Beach is one of the most stunning beaches I've ever seen. Poke sold by Fish Express, a small takeout restaurant, is excellent.
I plan to visit Capitol Reef and Whistler.
by oragne lovre
Mon May 25, 2015 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: 2 million dollar mistake meeting with MIL's financial guy
Replies: 47
Views: 13622

Re: 2 million dollar mistake meeting with MIL's financial gu

...You can have fancy software and small errors fed into it will make huge changes compounded over time... Yes. I think this is an extremely important point. Too many of us have over learned the lesson of compounding. It doesn't mean that any time you think you see a tiny estimated improvement in r...
by oragne lovre
Sun May 03, 2015 12:32 am
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 23
Views: 3179

Re: Tesla X

With the arrival of Powerwall which I plan to install, I need to look at the whole installation again. Wouldn't it take 7 Powerwalls to charge a 70D? I didn't know about it. Why so? Because the 70D has a 70kWh battery, and the larger capacity Powerwall is 10kWh. otoh, I think it would be cool if I ...
by oragne lovre
Fri May 01, 2015 10:41 pm
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 23
Views: 3179

Re: Tesla X

TomatoTomahto wrote:
oragne lovre wrote:With the arrival of Powerwall which I plan to install, I need to look at the whole installation again.

Wouldn't it take 7 Powerwalls to charge a 70D?


I didn't know about it. Why so?
by oragne lovre
Fri May 01, 2015 6:38 pm
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 23
Views: 3179

Re: Tesla X

With the arrival of Powerwall which I plan to install, I need to look at the whole installation again.
by oragne lovre
Fri May 01, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: Powerwall: The Arrival of Home Battery Backup System
Replies: 53
Views: 5679

Re: Powerwall: The Arrival of Home Battery Backup System

Some back of the envelope calculations here: I own a plug in electric vehicle and have a time of use rate plan with PG&E. I do not have solar. Peak cost is ~$0.30/kWh. Non peak cost is ~$0.10/kWh. Displacing 10kWh every day from peak to non peak would save me $2 a day or $730 a year. The paybac...
by oragne lovre
Fri May 01, 2015 2:35 am
Forum: Personal Consumer Issues
Topic: Powerwall: The Arrival of Home Battery Backup System
Replies: 53
Views: 5679

Powerwall: The Arrival of Home Battery Backup System

I've for a while waited for an affordable, small home backup battery that can store power generated by my solar panels. It seems the solution has just arrived tonight http://www.engadget.com/2015/05/01/tesla-powerwall-battery/ Since I'm with Solar City, I plan to contact it to see which type of Powe...
by oragne lovre
Thu Apr 30, 2015 12:16 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 731
Views: 104194

Re: Tesla S

As for dual chargers----they only benefit you when you want to charge >40 amps, except for at Superchargers where single and dual chargers charge at the same speed. So the only circumstances where you might benefit from a dual charger, assuming you don't have a HPWC at home, would be when you are o...
by oragne lovre
Wed Apr 29, 2015 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Spendy spouse
Replies: 110
Views: 11521

Re: Spendy spouse

I actually feel very strongly that a lot of the Boglehead advice on these consumer forums is dogmatically singleminded to the point of equating savings/thrift with being ethically good. If we followed BH-advice only, we would never live in high COL areas, drive nicer than econobox cars, and take on...
by oragne lovre
Mon Apr 27, 2015 5:31 pm
Forum: Personal Consumer Issues
Topic: Best touristy places to live in the world?
Replies: 36
Views: 5003

Re: Best touristy places to live in the world?

ThankYouJack wrote:
Sents wrote:I like islands so perhaps Hawaii


I lived next to Waikiki Beach for a bit. One fun thing is you could often tell tourists based on their complexion:

Pale: just got of the plane
Lobster Red: Vacation almost over
Unrecognizable from when someone arrived: da kine


Kauai
by oragne lovre
Tue Mar 31, 2015 9:42 am
Forum: Investing - Theory, News & General
Topic: How many of you invest in individual stocks?
Replies: 70
Views: 5824

Re: How many of you invest in individual stocks?

I do have ONE share Tesla for fun. P.S. Anyone who takes financials risks for fun, or for the thrill, or for entertainment needs at least to consider how much fun they are getting per dollar spent and whether they wouldn't get more fun per dollar in some other way. (I tend to think that the word &qu...
by oragne lovre
Mon Mar 30, 2015 11:31 pm
Forum: Investing - Theory, News & General
Topic: Bernanke's Blog: why are interest rates so low?
Replies: 52
Views: 7609

Re: Bernanke's Blog: why are interest rates so low?

I've just learned a new compound word: equilibrium rate.
Thanks for the link.
by oragne lovre
Sat Mar 28, 2015 7:56 pm
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 23
Views: 3179

Re: Tesla X

My first question is how to find a competent electrician/installer who knows how to install a garage-based charging station? It looks like you need a 50 AMP 240v plug then you just hang the charger on the wall and plug it in which should be easy for any semi-competent electrician providing your gar...
by oragne lovre
Fri Mar 27, 2015 10:09 pm
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 23
Views: 3179

Re: Tesla X

My first question is how to find a competent electrician/installer who knows how to install a garage-based charging station? It looks like you need a 50 AMP 240v plug then you just hang the charger on the wall and plug it in which should be easy for any semi-competent electrician providing your gar...
by oragne lovre
Fri Mar 27, 2015 10:45 am
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 23
Views: 3179

Tesla X

Since it looks assuring that Tesla would be able to deliver the X in the 3rd quarter of this year, I start this thread for X-embracing Bogleheads to discuss about concerns surrounding the X. My first question is how to find a competent electrician/installer who knows how to install a garage-based ch...
by oragne lovre
Wed Mar 25, 2015 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 254
Views: 28971

Re: Tesla Motors Stock

I've decided to set aside some " fun money " to play with an individual stock, specifically Tesla Motors. Can anybody tell me what is the best place in terms of investment fee and cost to buy some Tesla shares? . I just want to do something fun to celebrate my achievement of financial goa...
by oragne lovre
Fri Mar 20, 2015 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Does your CPA/Tax Person help with reducing your taxes?
Replies: 66
Views: 6646

Re: Does your CPA/Tax Person help with reducing your taxes?

Aren't competent CPAs, just like decent physicians, obligated to ask their customers appropriate questions to understand their needs so that the CPAs will be able to give best and most suitable advice?
by oragne lovre
Sat Mar 14, 2015 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 254
Views: 28971

Re: Tesla Motors Stock

I agree with you that a bet on electric cars that are competitive in an undistorted market is a bet on battery technology, but as far as I know Tesla doesn't hold game-changing patents on battery technology. Isn't it true that Musk, Tesla CEO, is working along with Panasonic to build a gigafactory ...
by oragne lovre
Fri Mar 13, 2015 2:22 am
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead degree status
Replies: 52
Views: 6034

Re: Boglehead degree status

I recommend the addition of SIMPLE DUMMY level and I'd definitely take it in a heartbeat.
by oragne lovre
Thu Mar 05, 2015 12:41 am
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 6386

Re: Taylor Larimore Honored

Congratulations!
Many thanks for your invaluable contribution to this forum!
by oragne lovre
Mon Feb 23, 2015 11:34 am
Forum: Personal Consumer Issues
Topic: Pick-Pockets
Replies: 63
Views: 6283

Re: Pick-Pockets

Plenty of tries, but luckily, no actual success (by would-be pickpockets) Paris Gare du Nord - a mother pushing a stroller veered suddenly and accused me of tripping up her child's stroller while another man bumped into me from behind. It was fairly obvious, so I told them - in French - that I woul...
by oragne lovre
Sun Feb 22, 2015 10:14 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 731
Views: 104194

Re: Tesla S

Well, I'd need awd, and then might as well go for the 85kw. So that, first came out in 2014? And used in three years will be what approximately? A new S85D (AWD) is $86K before FED/state credit/rebates. You have to get the 85kWh battery if you desire AWD, but you probably already knew that. Used 3 ...
by oragne lovre
Sun Feb 22, 2015 9:15 pm
Forum: Personal Consumer Issues
Topic: Pick-Pockets
Replies: 63
Views: 6283

Re: Pick-Pockets

What do you guys do to prevent pocket pickers? Money belt? Money belts are OK, but here are a few suggestions: 1) Best thing I've ever bought is underwear with pockets. Good quality stuff can be purchased from Scottevest - if offers two pockets and is synthetic, so it dries quickly if you pack ligh...
by oragne lovre
Sun Feb 22, 2015 6:13 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 731
Views: 104194

Re: Tesla S

Are auto insurance costs more or less for the S from other similarly priced vehicles? No difference in my experience, State Farm rates for our Model S now with 27K miles basically same as our Lexus LS 460. From my standpoint they should actually be less expensive since personal injury claims are hi...
by oragne lovre
Tue Feb 17, 2015 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 254
Views: 28971

Re: Tesla Motors Stock

Tesla has said it might deliver 20,000 to 25,000 cars this year--not all of them in the U.S. For comparison purposes, here are the 2012 U.S. sales totals for the top luxury brands: Audi: 139,310 BMW: 281,460 Cadillac: 149,782 Lexus: 132,741 Mercedes-Benz: 274,134 And remember that Tesla only sells ...
by oragne lovre
Tue Feb 17, 2015 12:28 am
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 254
Views: 28971

Re: Tesla Motors Stock

Tesla has said it might deliver 20,000 to 25,000 cars this year--not all of them in the U.S. For comparison purposes, here are the 2012 U.S. sales totals for the top luxury brands: Audi: 139,310 BMW: 281,460 Cadillac: 149,782 Lexus: 132,741 Mercedes-Benz: 274,134 And remember that Tesla only sells ...
by oragne lovre
Mon Feb 16, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 731
Views: 104194

Re: Tesla S

An electric car would only save me significant money if I also sprung for solar panels, or if gas prices go through the roof. Though I doubt gas prices will remain this low for long, at the current price of ~$2.70/gallon and $0.27-0.31 per marginal kWh, an electric car wouldn't save me squat if cha...
by oragne lovre
Wed Feb 04, 2015 12:33 am
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Fitbit group
Replies: 33
Views: 3410

Re: Boglehead Fitbit group

I have a fitbit charge that is water-resistant, not water-proof. Has anyone ever swum with a fitbit?
by oragne lovre
Sat Jan 31, 2015 11:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Fitbit group
Replies: 33
Views: 3410

Re: Boglehead Fitbit group

Petrocelli wrote:Our 40 Boglehead members have walked 3,795 miles in January so far. Wow!


Watch out for those Bogleheads who run marathons, wearing their fitbits. They skew the result.
by oragne lovre
Sat Jan 31, 2015 11:42 pm
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 10147

Re: How much is a safe car worth?

What you could do to increase your safety by a bigger amount than any car decision is to let your wife drive, or, better still, let her mother or your mother drive. Men 21-25 have three times the fatality rate as women the same age and women 21-25 have twice the fatality rate of women 61-65! Here's...
by oragne lovre
Sat Jan 31, 2015 5:14 pm
Forum: Personal Consumer Issues
Topic: Semi-annual Furnace/AC Inspection
Replies: 17
Views: 1394

Re: Semi-annual Furnace/AC Inspection

Since I've so far received different comments, I guess the frequency of inspection may also depend on how often we use our furnaces/ACs. That I live in Southern California makes semi-annual inspection necessary?
by oragne lovre
Sat Jan 31, 2015 3:42 pm
Forum: Personal Consumer Issues
Topic: Semi-annual Furnace/AC Inspection
Replies: 17
Views: 1394

Semi-annual Furnace/AC Inspection

I just had a new programmable Honeywell thermostat installed to reduce cost of energy bill. Having installed the thermostat, the heating/cooling guy also recommended semi-annual inspection of my furnace and AC. His reason was routine inspection would help detect early issues with furnace/AC, thus he...
by oragne lovre
Thu Jan 29, 2015 10:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Fitbit group
Replies: 33
Views: 3410

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 11:53 am
Forum: Investing - Theory, News & General
Topic: Chaos, complexity and entropy [for non-physicists]
Replies: 113
Views: 8356

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
Wed Jan 28, 2015 12:27 am
Forum: Investing - Theory, News & General
Topic: Chaos, complexity and entropy [for non-physicists]
Replies: 113
Views: 8356

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
Mon Jan 26, 2015 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 41987

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
Sun Jan 25, 2015 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 41987

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
Sat Jan 24, 2015 10:35 am
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 68
Views: 4140

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: 68
Views: 4140

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
Wed Jan 21, 2015 11:17 am
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 9473

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
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: 17903

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 09, 2015 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: An Excellent Article about 4% Withdrawal Rule
Replies: 10
Views: 3376

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
Thu Jan 08, 2015 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: An Excellent Article about 4% Withdrawal Rule
Replies: 10
Views: 3376

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/

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