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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
Mon Feb 23, 2015 11:34 am
 
Forum: Personal Consumer Issues
Topic: Pick-Pockets
Replies: 63
Views: 5095

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 10:14 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 610
Views: 73491

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 9:15 pm
 
Forum: Personal Consumer Issues
Topic: Pick-Pockets
Replies: 63
Views: 5095

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
Sun Feb 22, 2015 6:13 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 610
Views: 73491

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 11:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 232
Views: 18879

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: 232
Views: 18879

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
Mon Feb 16, 2015 11:39 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 610
Views: 73491

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
Wed Feb 04, 2015 12:33 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Fitbit group
Replies: 33
Views: 2808

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 11:56 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Fitbit group
Replies: 33
Views: 2808

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 11:42 pm
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9002

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 5:14 pm
 
Forum: Personal Consumer Issues
Topic: Semi-annual Furnace/AC Inspection
Replies: 17
Views: 1191

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
Sat Jan 31, 2015 3:42 pm
 
Forum: Personal Consumer Issues
Topic: Semi-annual Furnace/AC Inspection
Replies: 17
Views: 1191

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: 33
Views: 2808

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: 113
Views: 7212

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: 113
Views: 7212

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: 318
Views: 38992

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: 318
Views: 38992

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: 68
Views: 3822

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: 3822

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: 8608

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: 16963

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: 3280

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: 3280

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: 17772

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: 19924

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: 17772

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: 1382

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: 127
Views: 14890

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: 222479

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: 222479

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: 222479

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: 12060

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: 12060

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: 127
Views: 14890

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: 7496

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: 24648

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: 312
Views: 49014

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: 9553

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: 7657

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: 9553

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: 30236

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: 9290

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: 30236

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: 11134

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: 11134

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: 610
Views: 73491

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: 11134

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: 3986

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: 37090

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: 37090
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