Search found 471 matches

by FoolStreet
Tue Apr 17, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

If Tesla is not actually able to deliver on FSD within the expected lifespan of the car, would they refund you the $3K ? I don't suppose this is an option that can be retrofitted installed post-sale, is it ? Same question for the EAP, or EAP+FSD. I don't know the answer to your questions. All the c...
by FoolStreet
Tue Apr 17, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

If we were to Consider the value of EAP separate from the FSD, I would guess that EAP would be worth it. You have an S and I do not. But I would value the extra traffic awareness that comes from EAP like lane keeping and traffic aware cruise control. Lane change assist, etc. I assume it would make ...
by FoolStreet
Tue Apr 17, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

I don't know if LiDAR will be required or not. If the goal is to simply be better than an average human driver, I think it is probably not required. After all, our eyes to not have lasers or radar, and we easily lose attention to our driving. I think the ultimate solution will be all cars "talk" to...
by FoolStreet
Tue Apr 17, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

Foolstreet said "I highly recommend you read Shoe Dog, by the Founder of Nike, regarding cash flow." For the purpose of recent discussion related to TSLA, could you summarize what you got our of the book? Is it a worthwhile book otherwise? Nike permeates our culture so there is that. Regarding TSLA...
by FoolStreet
Tue Apr 17, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

Full self-driving capability is sold with the proviso that it may be some time before that option is actually enabled in the car. It should also be noted that both autopilot and FSD can be added after you take delivery of the car, but it will cost you more ($6,000 and $4,000, respectively). Many co...
by FoolStreet
Tue Apr 17, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

Tesla has halted the Model 3 production line. Although I guess disturbing if one was waiting for one, if they can fix things (biggish IF) then the right thing to do. The more problematic issue it seems to me is that they aren't paying their workers during the stoppage. Sort of screams cash flow pro...
by FoolStreet
Tue Apr 17, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

Of all the criticisms of the Model 3 that are regularly written about (as well as the many praises) the one area I’ve only seen praised is the way it drives. It was meant to be competitive with the Audi A4 and BMW 3 series, both of which are best in class rides. Based on professional as well as ama...
by FoolStreet
Sun Apr 01, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

Also, my insurance agent says his company will not write a collision policy on a Tesla. WHAT???? Would current Tesla owner comment on this please??? Uh, FUD (Fear, Uncertainty, Dread). It’s either nonsense, or time to get a new insurance company. ETA: in case it doesn’t go without saying, my Tesla ...
by FoolStreet
Fri Mar 30, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

Just for fun,, would you be willing to use the Tesla route planner for some of your road trips and see if the supercharger network can fit your bill? https://www.tesla.com/trips Yup, I did. Without going out of my way, it would be tricky. Not many super chargers or destination chargers in the middl...
by FoolStreet
Fri Mar 30, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

I know a lot of folks that love their Leafs. They are pure commuters (no road trips). The newer one with more range will be welcome. I think there is a split between wanting the basics (go for leaf) and wanting pizzaz(go for model 3). The tax credit availability is a factor for folks on the edge of...
by FoolStreet
Fri Mar 30, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

When you say "order" do you mean you ordered one? Or reserved one? Curious when you would expect it? Would you get First Production or wait for other configurations? Sorry, I should have said “reserved”. I submittted my reservation the first day. I don’t want the current configuration. It’s nice, b...
by FoolStreet
Thu Mar 29, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

Travelgeek, I think many of us are on edge asking us, "is Telsa going to revolutionize the world and break us of our deadly addiction to oil or not?" And so we pick up all the little news details because its exciting. But lets be honest, your news article is irrelevant considering that all manufact...
by FoolStreet
Thu Mar 29, 2018 7:02 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

Today's news: Tesla recalls 123,000 Model S vehicles http://money.cnn.com/2018/03/29/technology/business/tesla-model-s-recall/index.html Tesla on Thursday recalled about 123,000 Model S sedans, asking customers with cars built before April of 2016 to have their power steering bolts replaced. A Tesl...
by FoolStreet
Wed Mar 28, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

I don't gloat on the latest Tesla news and precipitous fall of the stock recently. I have always maintained that I view Elon Musk as the driving force behind making EVs "cool" and a car that the masses would want. The volume of Model 3 downpayments are proof of that (though 30% are actually going t...
by FoolStreet
Wed Mar 28, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

I don't gloat on the latest Tesla news and precipitous fall of the stock recently. I have always maintained that I view Elon Musk as the driving force behind making EVs "cool" and a car that the masses would want. The volume of Model 3 downpayments are proof of that (though 30% are actually going t...
by FoolStreet
Wed Mar 28, 2018 6:14 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

All the news about Tesla and the questionable parts in quality made me appreciate my Prius. While not as fancy as some of the other cars out there, it made me realize how grateful I am how well she has treated me over the years. I have to say I love my Prius and the fact that it is bullet proof. I ...
by FoolStreet
Wed Mar 28, 2018 6:08 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

--New pack assembly robots finally online and working ok, but at 1/10th or less of their designed speed. --quality issues cropping up in pack assembly...misplaced tubes, bad potting, etc. with fear of pack recall. Currently operating at 1/10th speed? Get hype! That means room for 10x improvement. R...
by FoolStreet
Sat Mar 24, 2018 1:31 am
Forum: Investing - Theory, News & General
Topic: I’m looking for a word...
Replies: 114
Views: 9215

Re: I’m looking for a word...

Rick Ferri wrote:
Thu Mar 22, 2018 11:12 am
I’m looking for the word or phrase that describes how a complex system changes either predictably or unpredictability when a pasive observer becomes an active market participate. Any ideas?
laminar–turbulent transition

Vergence

Critical point

Singularity
by FoolStreet
Wed Mar 14, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

New story from the Interwebs looks troubling for Tesla https://www.cnbc.com/2018/03/14/tesla-manufacturing-high-volume-of-flawed-parts-employees.html Luxury automaker Tesla is manufacturing a surprisingly high ratio of flawed parts and vehicles, according to several current and former employees, le...
by FoolStreet
Wed Mar 14, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

New story from the Interwebs looks troubling for Tesla https://www.cnbc.com/2018/03/14/tesla-manufacturing-high-volume-of-flawed-parts-employees.html Luxury automaker Tesla is manufacturing a surprisingly high ratio of flawed parts and vehicles, according to several current and former employees, le...
by FoolStreet
Mon Mar 12, 2018 12:43 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Extended Market Index Instl v. Neuberger Berman Genesis R6
Replies: 9
Views: 619

Re: Vanguard Extended Market Index Instl v. Neuberger Berman Genesis R6

As you describe, you are about 30% Bonds and 70% equities. That is not unreasonable, but more risky than many of the older pre-retirees that post on this board. In your first post, you say that you want to target 60-40. I'll leave that to you to consider. Maybe you make an immediate rebalance to ach...
by FoolStreet
Sun Mar 11, 2018 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Extended Market Index Instl v. Neuberger Berman Genesis R6
Replies: 9
Views: 619

Re: Vanguard Extended Market Index Instl v. Neuberger Berman Genesis R6

About 3 years ago I split my 410k into 4 funds 25% each Vanguard Extended Market Index Vanguard Windsor II Admiral Fidelity Contrafund Neuberger Berman Genesis R6 After 3 years the distribution is as follows Vanguard Extended Market Index 22% Vanguard Windsor II Admiral 25% Fidelity Contrafun 26% N...
by FoolStreet
Sun Mar 11, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Extended Market Index Instl v. Neuberger Berman Genesis R6
Replies: 9
Views: 619

Re: Vanguard Extended Market Index Instl v. Neuberger Berman Genesis R6

About 3 years ago I split my 410k into 4 funds 25% each Vanguard Extended Market Index Vanguard Windsor II Admiral Fidelity Contrafund Neuberger Berman Genesis R6 After 3 years the distribution is as follows Vanguard Extended Market Index 22% Vanguard Windsor II Admiral 25% Fidelity Contrafun 26% N...
by FoolStreet
Sun Mar 11, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 249
Views: 33958

Re: Does anyone here with net worths north of $1 mil use financial advisors?

Wow, I find this fascinating. We have been really negligent with diligence as far as financial planning. Luckily about 5 years I did allow fidelity to manage some money for me, which has done really well even after the fees. I am excited to be here and learn how to take charge over our financial fu...
by FoolStreet
Sat Mar 10, 2018 12:08 am
Forum: Investing - Theory, News & General
Topic: Confessions of a Mutual Fund Insider
Replies: 0
Views: 873

Confessions of a Mutual Fund Insider

I used to read this Noir-style story set in dot com mania about the Mutual Fund industry and have later come to realize how Bogleheaded it was. It took me a while to track it down, but now that I found it, I want to share: https://web.archive.org/web/20021102013056/http://www.maxfunds.com:80/content...
by FoolStreet
Thu Mar 01, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

There are some non owners with delivery of first run estimate windows ending in January/February. It will be interesting to see when they get theirs. I'm in this pool — a non-owner in California who made a reservation at 10:30 a.m. on 3/31/16. My delivery estimate for the early production cars (lon...
by FoolStreet
Wed Feb 28, 2018 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Plan administration expenses for IBM 401k
Replies: 16
Views: 1112

Re: Plan administration expenses for IBM 401k

Talked with the plan administrator again with more questions. Fidelity's version of the annual fee disclosure is the summary annual report which shows the 47m admin expenses but nothing specific to individual accounts. He said the accounting is done before it gets to fidelity, but the 47m does come...
by FoolStreet
Sun Feb 25, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Alaska Princess Cruise: Shore excursions?
Replies: 21
Views: 1188

Re: Alaska Princess Cruise: Shore excursions?

We will be going in July, though I don't know if that will affect the expected amount of rain. I think the challenge won't be rain gear, per se, but rather rain gear for warm weather. And, I'll need to figure out how to do wash on the ship, since my wife says my clothes can get a little - noticeable.
by FoolStreet
Sun Feb 25, 2018 10:02 pm
Forum: Personal Consumer Issues
Topic: Alaska Princess Cruise: Shore excursions?
Replies: 21
Views: 1188

Re: Alaska Princess Cruise: Shore excursions?

My family is not really into excursions, so we mainly did hiking. Our kids were young so nothing very strenuous. In Ketchikan we took a cab to the the Rainbird Trailhead by the university. Easy and pretty trail back, but we'd probably do something like the Deer Mountain Trail next time. In Juneau w...
by FoolStreet
Sun Feb 25, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: Alaska Princess Cruise: Shore excursions?
Replies: 21
Views: 1188

Re: Alaska Princess Cruise: Shore excursions?

My wife and I did a similar cruise a couple of years ago. We're not much for group tours, so we only did a couple of organized excursions, but enjoyed them both. We didn't book through the cruise line, even though we were aware of the warnings about the ship not waiting for late tours. The companie...
by FoolStreet
Sun Feb 25, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Alaska Princess Cruise: Shore excursions?
Replies: 21
Views: 1188

Re: Alaska Princess Cruise: Shore excursions?

We really enjoyed the White Pass and Yukon train out of Skagway. The narrated train ride and motor coach on the way back provides context that I don’t think you could get doing your own thing. We booked thru Princess - just seemed easier albeit somewhat more expensive. I agree that arranging your o...
by FoolStreet
Sun Feb 25, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Alaska Princess Cruise: Shore excursions?
Replies: 21
Views: 1188

Re: Alaska Princess Cruise: Shore excursions?

One word of caution. If you are on a Cruise line sponsored excursion and its running way late past the time the ship is set to sail, they will hold the ship. If you are on your own and have issues, the boat may sail without you. We had an issue with a Princess excursion regarding whale watching and...
by FoolStreet
Sun Feb 25, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Alaska Princess Cruise: Shore excursions?
Replies: 21
Views: 1188

Re: Alaska Princess Cruise: Shore excursions?

It's been a few years but we arranged all our excursions ourselves. Rented a car and drove to the Mendenhall glacier and hiked it ourselves. Arranged a kayak excursion in Ketchikan for half the price. Now if you have to fly a helicopter or something I can't help you. Great ideas. I like the idea of...
by FoolStreet
Sat Feb 24, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: Alaska Princess Cruise: Shore excursions?
Replies: 21
Views: 1188

Alaska Princess Cruise: Shore excursions?

We are going in a 7 day alaskan cruise on Princess (sea star) plus 4 day Denali tour this summer. Are there any must - do or must-skip excursions we should consider? We will be going as a group so I need to be prepared for group dynamics. The frugal side of me would skip tourist trap style excursion...
by FoolStreet
Wed Jan 24, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Father financial trouble
Replies: 40
Views: 4555

Re: Father financial trouble

Dad is 80 and lives with my wife and i...he has one credit card and a loan he consolidated through discover for 10,000. He cant pay his credit card or loan back. He has no assests and no retirement. The only income he gets is social security. What would be the best course of action? Should he just ...
by FoolStreet
Tue Jan 23, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 193
Views: 28979

Re: How to Minimize Your Emergency Care Expenses

Also, would love to have better web/mobile access to get and share my own info, but hipaa makes it difficult to get access to our own stuff. I don't understand why you cannot access your information? With our provider/plan, I have access to all kinds of my information. Providers/plans with an "advi...
by FoolStreet
Tue Jan 23, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

I decided to "hold my place" at this time rather than configure... I deferred to 9/2018 hoping I can still get the tax deduction then. I actually want the 310 mile battery but not necessarily all the upgrades. Did they tell you it would be 9/2018 when you clicked hold my place? How would they know ...
by FoolStreet
Tue Jan 23, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

I decided to "hold my place" at this time rather than configure... I deferred to 9/2018 hoping I can still get the tax deduction then. I actually want the 310 mile battery but not necessarily all the upgrades. Did they tell you it would be 9/2018 when you clicked hold my place? How would they know ...
by FoolStreet
Tue Jan 23, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 193
Views: 28979

Re: How to Minimize Your Emergency Care Expenses

About once a month or so we have someone start a thread about their recent visit to an emergency department. The post usually revolves around the bill being surprisingly high. They all kind of end up the same way. I get lots of PMs on the forum asking similar questions. Since this is a relatively c...
by FoolStreet
Tue Jan 23, 2018 11:18 am
Forum: Investing - Theory, News & General
Topic: Kitces article: A cash bucket in retirement? Nope
Replies: 150
Views: 12203

Re: Kitces article: A cash bucket in retirement? Nope

Sadly, I've been on the wrong end of this. I have a 70/30 allocation, but the 30% is almost all cash. I'm retired and got scared post 08/09 and wanted to have significant monies in cash so I could live for 10+ years in retirement without having to sell equities down. I've missed out on upside signi...
by FoolStreet
Sun Jan 07, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

Does anyone who has reserved or configured one have thoughts about whether autopilot is worth purchasing prior to delivery ($5k prior to delivery; $6k afterwards). I’m thinking it probably is because unlike the hardware in the car, the $5,000 initial cost doesn’t depreciate - it actually makes the ...
by FoolStreet
Sun Jan 07, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

Does anyone who has reserved or configured one have thoughts about whether autopilot is worth purchasing prior to delivery ($5k prior to delivery; $6k afterwards). I’m thinking it probably is because unlike the hardware in the car, the $5,000 initial cost doesn’t depreciate - it actually makes the ...
by FoolStreet
Wed Dec 27, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55642

Re: To take or not to take delivery of Tesla 3

Wifey just told me she put down a reservation yesterday for me/us. I better subscribe to this thread and start researching. I figure I have at least another 12 months.
by FoolStreet
Sat Dec 23, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 22349

Re: Do you see a meaningful change in your income with new Tax Bill?

If not already said, to nitpick, gross incomes won’t particularly change for anyone, but rather taxable incomes can change. And the tax plan would effect changes to after-tax income. According to tax plan calculator, I will pay an extra $200 tax under the new plan. I am in California and so for all ...
by FoolStreet
Tue Nov 28, 2017 10:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 91
Views: 23385

Re: San Jose, CA Area Bogleheads Chapter

Tyler Aspect wrote:
Mon Nov 20, 2017 11:58 pm
The November presentation is available at the link below.

https://drive.google.com/file/d/1UWtp_S ... sp=sharing
Thank you for sharing this.
by FoolStreet
Tue Nov 28, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice / John Hancock
Replies: 12
Views: 2565

Re:

John Hancock is a typical insurance/investment company... High fees, etc. I would not want to work sales (i.e. pitching insurance annuities to old widows) in a company like that. The people who pich insurance annuities to old widows are typically not employees of the company. The annuity salespeopl...
by FoolStreet
Sat Oct 07, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Sell or keep shares of a private company?
Replies: 39
Views: 2677

Re: Sell or keep shares of a private company?

You need to get familiar with Section 1202 of the tax code. Very complex, but if you meet all the tests, your Federal tax rate can be greatly reduced. I suggest talking to the person handling the taxes for the company, or perhaps the tax pros used personally by the CEO, CFO etc. Wow. https://blog.w...
by FoolStreet
Sat Oct 07, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Sell or keep shares of a private company?
Replies: 39
Views: 2677

Re: Sell or keep shares of a private company?

Thanks everyone for the replies so far, it's always interesting to hear the different opinions of this forum. Admittedly I think I have a high tolerance for risk when I think I have some sort of "advantage", especially in my career. For example, a few years ago, while all my coworkers (including me...
by FoolStreet
Sat Oct 07, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 12551

Re: Millionaire Next Door (Thank you Bogleheads)

retire57 wrote:
Thu Oct 05, 2017 3:45 pm
Yay!!! :beer

BTW, folks always refer to "The Millionaire Next Door", but rarely to Dr. Stanley's other researched-based work "Stop Acting Rich". The latter is an even more informative read, IMO.
Agree, 1,000%
by FoolStreet
Thu Oct 05, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: Hiking the Tahoe Rim Trail
Replies: 28
Views: 3548

Re: Hiking the Tahoe Rim Trail-Update

Hi All, Wanted to update and thank the folks that were so helpful. I hiked the trail from Echo Lakes and exited at Mt. Rose Summit Trailhead starting Sept 13 and exiting Sept 19. I had originally planned 8 days but felt so strong that I hiked further each day than planned and exited a day early It ...