Search found 472 matches

by oragne lovre
Fri Apr 13, 2018 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: How to find annual fee charged by Vanguard & Fidelity
Replies: 4
Views: 689

How to find annual fee charged by Vanguard & Fidelity

A new disclosure law, effective June 9 2017, requires brokerage firms to disclose fees they charge their clients. Investors can claim these fees as miscellaneous deduction on schedule A, subjected to 2% AGI. Does anyone know how to find these fees on Vanguard and Fidelity websites?
by oragne lovre
Sat Feb 10, 2018 12:12 am
Forum: Investing - Theory, News & General
Topic: Does Anyone Know Anything?
Replies: 36
Views: 3752

Re: Does Anyone Knows Anything?

Of course I know one thing that I know nothing.
by oragne lovre
Sat Jan 06, 2018 1:15 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84256

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

I picked up the 3 last Friday and am still learning some features that are different from the X. Tesla 3 is a nimble, agile car that is fun to drive. Its acceleration is much faster than I imagined; it helps merging onto freeway traffic safer and easier. It hugs pavements very well without making an...
by oragne lovre
Sat Dec 02, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84256

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

Can I assume you mean 2018? There's no way the rebate will disappear this year. Also, when Tesla does reach 200k cars sold, the rebate does not disappear, it's phased out. Google for the details. BTW if your Federal tax bill is less than $7500, you only get a rebate up to your tax. While this isn't...
by oragne lovre
Sat Dec 02, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84256

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

Tesla starts asking customers, who are not employees of Tesla or Tesla-related companies, to design their model 3s today. Tesla estimates a 4-week waiting period before delivery. It's still an unknown issue if the federal $7500 credit will disappear by the end of 2017. Can I assume you mean 2018? T...
by oragne lovre
Wed Nov 22, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84256

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

Tesla starts asking customers, who are not employees of Tesla or Tesla-related companies, to design their model 3s today. Tesla estimates a 4-week waiting period before delivery. It's still an unknown issue if the federal $7500 credit will disappear by the end of 2017.
by oragne lovre
Sat Oct 21, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 72
Views: 6057

Re: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.

Ever looked at Maserati? I always thought they were in that middle ground where I think your looking... and have something more than the usual Benz/BMW. Edit: A tesla might fit into this group more... and the uprated model S might be interesting. I have looked at Maserati/Tesla. The Maserati's look...
by oragne lovre
Sun Aug 27, 2017 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"
Replies: 119
Views: 16333

Re: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"

4.5% rule? I didn't know this. Thanks for your question. Before I answer it specifically, why don't we dispense with some preliminaries, so we are all on the same page? The "4% rule" is actually the "4.5% rule"- I modified it some years ago on the basis of new research. The 4.5% is the percentage y...
by oragne lovre
Thu Aug 24, 2017 11:42 pm
Forum: Personal Consumer Issues
Topic: Boglehead Swimmers and Apple Watch Series 2
Replies: 0
Views: 381

Boglehead Swimmers and Apple Watch Series 2

I'm addicted to swimming and have therefore been looking for a water-resistant fitness gadget for a while. I cannot wear my current fitbit since it doesn't count calories burnt during swimming. The fitbit is now dying and I've found out that an Apple Watch Series 2 is not only capable of counting bu...
by oragne lovre
Mon Jul 24, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: Garage Remodeling
Replies: 14
Views: 2150

Re: Garage Remodeling

@toblerone, Does high R-value door require more maintenance than a regular one in the long run? @Girino, I do want to clear the third bay to make room for a third car. I probably just store cars and recreational equipment. I live in earthquake-prone Southern California and thus wanting to change cei...
by oragne lovre
Sun Jul 23, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: Garage Remodeling
Replies: 14
Views: 2150

Garage Remodeling

I have a 3-car garage that is about 20 years old. I now feel the need to upgrade of re-organize it for following main reasons 1. My kids are grown up and I need to add at least one more car to the family fleet 2. A wall-mounting garage door opener may give the garage more over-head space where I can...
by oragne lovre
Sat May 20, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: Lawyers charging for asking about fees
Replies: 62
Views: 9357

Re: Lawyers charging for asking about fees

toofache32 wrote:
Jonathan wrote: No sense in arguing. One strategy: "Of course, I'm happy to pay your bill, in full and on time. As soon as I receive it, I'll leave a review for you online." 8-)
So you're recommending extortion?
Are reviews that are left on Amazon website considered extortions? 8-)
by oragne lovre
Sun Apr 09, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 180056

Re: Tesla S

Tesla is now worth more than Ford. Even though Tesla sold like 76,000 cars last year, and Ford sold 2.6 million. You can love the car, but I would be really scared of the stock. There's an insane amount of growth already priced into the stock. This I think is the key. It's not the company, it is th...
by oragne lovre
Sun Apr 02, 2017 12:05 pm
Forum: Investing - Theory, News & General
Topic: "Factor investing"
Replies: 234
Views: 28588

Re: "Factor investing"

For all practical purposes, what an average investor can learn from this lengthy discussion is "Don't look for needles, buy the haystack." Do I interpret it correctly or miss anything?
by oragne lovre
Sun Mar 05, 2017 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 310
Views: 64524

Re: Physician Retirement Savings

39 y/o, procedure oriented specialist. 8 years out of training Taxable and investment accounts 3.5 million, goal is 5 million and then start to work part time Dual physician family 40/38 Retirement savings approx 2.5m College savings 200k No debt Respectfully....You went from zero to a $3.5 million...
by oragne lovre
Sun Jan 15, 2017 12:16 am
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 333
Views: 68211

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

I wonder what those Bogleheads who have achieved or surpassed their Stealth Wealth goals would rather do? Stealth Shellout? :)
by oragne lovre
Wed Jan 11, 2017 12:37 am
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 23443

Re: Sad News About a Respected Forum Member

Does Bogleheads forum have a dedicated space, like "hall of fame," where respected forum members' invaluable advice and their profiles such as Old Meph's are archived?
by oragne lovre
Sun Jan 08, 2017 9:40 pm
Forum: Investing - Theory, News & General
Topic: Bernstein-"To Make Money They Didn't Need".....and Pascal's Wager
Replies: 187
Views: 23202

Re: Bernstein-"To Make Money They Didn't Need".....and Pascal's Wager

Levett wrote:Larry writes:

"Being able to enjoy life is far more important than dying with more assets!"

Say it again and again, brother. I believe!

Lev
I'd like to say it again.
by oragne lovre
Sun Jan 08, 2017 5:07 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 48312

Re: "Why 97% of People Don't Use 529 College Savings Plans."

This resurrected thread made me look at my Vanguard 529 plans. My current ROI is 45%; it's not bad at all. LOL! Without a ime frame, 45% could be terrible or could be "not bad at all." But since it's a Vanguard 529 plan, it must be the latter. ;) My bad since I forgot to specify a time frame. I sta...
by oragne lovre
Sat Jan 07, 2017 11:35 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 48312

Re: "Why 97% of People Don't Use 529 College Savings Plans."

This resurrected thread made me look at my Vanguard 529 plans. My current ROI is 45%; it's not bad at all.
by oragne lovre
Tue Dec 27, 2016 12:24 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 211
Views: 23751

Re: Concierge medicine Worth It????

******Please do not give medical advice, I do not want this locked****** I was recently given notice by my primary care he is going "concierge". For $1650/pp my wife and I can stay with him as opposed to finding a new primary care doc. We are both nearing 50 and aside from my being overweight, we a...
by oragne lovre
Tue Dec 20, 2016 12:35 am
Forum: Investing - Help with Personal Investments
Topic: Good News For Bonds!
Replies: 98
Views: 13136

Re: Good News For Bonds!

Everything is worth its market value . The market value of 8 bonds held to maturity is different from the market value of a basket of 8 bonds purchased and sold at varying times. The question for me is, which do I want to own. The only way I can make sense of this assertion is if market value doesn...
by oragne lovre
Sun Dec 18, 2016 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Good News For Bonds!
Replies: 98
Views: 13136

Re: Good News For Bonds!

Hi Copernicus. I enjoyed your book . At this spot, but only this one, I'm going to quote you out of sequence: ... Correct? I think you grasp the basic dynamics, but I'd like to state them more precisely. I'll quote you bit by bit, not leaving anything out, and I'm not arguing with you. I'm just emb...
by oragne lovre
Sat Dec 17, 2016 12:39 am
Forum: Investing - Help with Personal Investments
Topic: My "sleep well at night" number seems to be changing
Replies: 49
Views: 9126

Re: My "sleep well at night" number seems to be changing

Here is a different way to think about this that may be helpful: I think of my retirement portfolio two pieces: A Liability Matching Portfolio (LMP) and a "Risk Portfolio" (RP): 1) Liability Matching Portfolio (LMP) Let's say someone makes $120,000 per year and is expecting $30,000 a year from Soci...
by oragne lovre
Thu Dec 08, 2016 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement with $8M in investments
Replies: 166
Views: 25232

Re: Retirement with $8M in investments

itstoomuch wrote:
oragne lovre wrote:Has anyone noticed that the OP has not responded after 3 days?
He's been replaced by RAchip. :idea:
:)
by oragne lovre
Thu Dec 08, 2016 12:19 am
Forum: Investing - Help with Personal Investments
Topic: Retirement with $8M in investments
Replies: 166
Views: 25232

Re: Retirement with $8M in investments

Has anyone noticed that the OP has not responded after 3 days?
by oragne lovre
Sat Dec 03, 2016 12:08 am
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 260
Views: 48696

Re: Tesla X

The more I'm getting used to TACC (Traffic Aware Cruise Control,) the more I like it. TACC alleviates the driving fatigue, especially in congested traffic, that results from a combination of constant flexion of R foot and eye focus on front cars. In TACC mode, I feel quite relaxed with both feet on ...
by oragne lovre
Sat Nov 26, 2016 9:21 pm
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 9881

Re: Black Friday - is this overdone?

Best Black Friday deal I ever got was IIRC about $140 for opening an Electric Orange account at ING Direct (which tells you how long ago it was). It was perfectly straight, it worked exactly as advertised, it was $140 in free money, and eventually I canceled the account because of a) no acceptable ...
by oragne lovre
Sun Nov 20, 2016 9:52 pm
Forum: Personal Consumer Issues
Topic: "Musk Says Tesla’s Solar Shingles Will Cost Less Than a Dumb Roof"
Replies: 78
Views: 10889

Re: "Musk Says Tesla’s Solar Shingles Will Cost Less Than a Dumb Roof"

Thanks for posting. Another remarkable target from a remarkable visionary. Roof longevity and appearance are intriguing, on top of that potential energy savings. I don't get all the negativity about Musk - I think we need more like him. Reusable rocket landing on the drone ship earlier in the year,...
by oragne lovre
Thu Nov 10, 2016 12:25 am
Forum: Personal Consumer Issues
Topic: Medical practice partnership - schedule issues - advice needed
Replies: 41
Views: 3403

Re: Medical practice partnership - schedule issues - advice needed

what specialty? And how is your compensation calculated? Specifically, if you take more call (and presumably do more work) do you get paid more, based on the partner contract formula? No - the pie is split i.e. I don't work more and make more. If the pie is split equally, then no wonder they want t...
by oragne lovre
Fri Oct 07, 2016 11:28 pm
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 260
Views: 48696

Re: Tesla X

So. Friend and I walked into the Tesla store to place two orders for the X 60s. And...Tesla got rid of that option along with a bunch of stuff. They lost a few sales today. Welcome to the Tesla experience. So disappointed. I guess I'll wait for Volvo or Mercedes to come out w/ some electric cars. T...
by oragne lovre
Thu Oct 06, 2016 10:18 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 45028

Re: The Bogleheads' "100 Things Worth Every Penny" List

A Toyota Camry (i.e. a reliable car) ... A Toyota Camry can easily last and drive well for 250,000 miles. I second this. Mine is almost 20-year old, has a 300,000ish mileage, but still reliably gets me to workplaces without major hiccups. It only needs regular oil changes, annual checkups by a trus...
by oragne lovre
Sun Sep 25, 2016 11:47 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 45028

Re: The Bogleheads' "100 Things Worth Every Penny" List

Many of you may roll your eyes when you see the following one of "100 things worth every penny" because it does not actually cost pennies. A Tesla X car It costs arm-and-leg upfront, but it's worth every penny to me - cleaner garage air and floor, no further trips for oil change or gas pumping, more...
by oragne lovre
Wed Sep 14, 2016 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Physician employment and fair salary and raises
Replies: 58
Views: 7685

Re: Physician employment and fair salary and raises

Honestly it really doesn't matter what you have to say if your employer doesn't want to give you an extra dollar they won't. It is just that simple. The problem with any employed model (not just medicine) is that there is an inherent aligment of interest difference (as David Swensen would say). You...
by oragne lovre
Thu Aug 11, 2016 3:05 pm
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 260
Views: 48696

Re: Tesla X

I like this following app that helps X drivers adjust their speed accordingly

http://teslawinds.com/
by oragne lovre
Tue Aug 09, 2016 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime and Amazon Drive Backup
Replies: 3
Views: 1197

Re: Amazon Prime and Amazon Drive Backup

I'm a big fan of all the free cloud offers, but with Amazon Prime I admit to only using the unlimited free photo backup offer, not other types of files. I do enjoy the ease of simply copying files to a folder as offered by the other cloud offerings, such as Dropbox, OneDrive, GoogleDrive, and box.c...
by oragne lovre
Mon Aug 08, 2016 9:02 pm
Forum: Personal Consumer Issues
Topic: Should I lease a Tesla?
Replies: 148
Views: 14489

Re: Should I lease a Tesla?

Children are in the future. Our incomes are fairly stable and we will be able to continue to work once we have kids (in-laws in town will help us). We're renting now but plan on buying a house in a better school district once our future kids turn 6. How much do you save a year now? How much will th...
by oragne lovre
Mon Aug 08, 2016 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime and Amazon Drive Backup
Replies: 3
Views: 1197

Amazon Prime and Amazon Drive Backup

I have Amazon Prime that offers free 5GB backup drive of files and videos. I'm contemplating about backing up tax information onto this Amazon drive. Any Bogleheads with experiences, good or bad, with Amazon Drive backup?
by oragne lovre
Mon Aug 08, 2016 10:07 am
Forum: Investing - Help with Personal Investments
Topic: How does a Boglehead save for child's education?
Replies: 144
Views: 14003

Re: How does a Boglehead save for child's education?

Don't forget to hit it from the "reduce expenses" side as well. Encourage your kids to take CLEP exams and AP classes to reduce the total number of credits they would have to take in college. Check out their options for "double enrolling" -- certain students may be able to directly take college cla...
by oragne lovre
Sun Aug 07, 2016 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: How does a Boglehead save for child's education?
Replies: 144
Views: 14003

Re: How does a Boglehead save for child's education?

Don't forget to hit it from the "reduce expenses" side as well. Encourage your kids to take CLEP exams and AP classes to reduce the total number of credits they would have to take in college. Check out their options for "double enrolling" -- certain students may be able to directly take college cla...
by oragne lovre
Sat Jul 23, 2016 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Owning A Medical Office
Replies: 3
Views: 824

Owning A Medical Office

Since I have recurrent problems with my rental office and its landlord does not seem to care, I speak with another physician who strongly recommends to buy a small commercial property to use it as my own office. His reasoning is that I'd be motivated to upkeep the office for business purpose and per...
by oragne lovre
Fri Jul 22, 2016 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Federal Money Market Fund
Replies: 19
Views: 5656

Re: Vanguard Federal Money Market Fund

For those of us who want to use tax-exempt money market funds as settlement funds, we now incur income tax for using Vanguard Federal MM fund as a settlement fund.
by oragne lovre
Mon Jul 18, 2016 5:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1429819

Re: U.S. stocks in freefall

Maybe for some of us who like to pay attention, volatility adds a bit of excitement to otherwise boring index investing. :happy Perhaps Brexit was a gift from UK voters to us indexers who were no longer stimulated by reports of lower expense ratios. That was really too kind of them! I'm still excit...
by oragne lovre
Mon Jul 18, 2016 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Distribution Elections for Non-Qual Deferred Comp Plan
Replies: 9
Views: 1254

Re: Distribution Elections for Non-Qual Deferred Comp Plan

First off, the reason I resurrect this thread since it's probably the most helpful one regarding the distribution election of non-qualified deferred compensation plan (NQDCP.) In my specific situation, I plan to leave a current employer that, in my opinion, has low risk of bankruptcy and my upcoming...
by oragne lovre
Tue May 31, 2016 12:44 am
Forum: Personal Consumer Issues
Topic: Things to Do and See on Kauai, Hawaii
Replies: 75
Views: 7839

Re: Things to Do and See on Kauai, Hawaii

If you want to truly relax in a quiet setting, check out Kauapea Beach (aka Secret Beach.) You may have to hike down a bit to get there but it would be well worth the effort. I'd carry a good book, a decent camera, and a beach umbrella that is mainly for unexpected rain. For unique local food, poke ...
by oragne lovre
Wed May 18, 2016 11:30 pm
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 260
Views: 48696

Re: Tesla X

Since the X has 12V outlets, I'm contemplating on getting this following cooler/warmer:

http://www.amazon.com/Wagan-EL6224-12V- ... cooler#Ask

It'll come handy for long-distance road trips.
by oragne lovre
Wed May 11, 2016 9:14 am
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 260
Views: 48696

Re: Tesla X

I'm still learning how to use all cool features of the X. I just want to mention another "cool" feature of the falcon wing doors (FWD) is that I can swing them up to QUICKLY ventilate hot cabin air, which accumulates inside after the car is under the sun for a while. I now have a nickname for FWDs -...
by oragne lovre
Mon May 02, 2016 1:32 pm
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 260
Views: 48696

Re: Tesla X

Tomato What color is your Model X. I saw my first Model x yesterday in traffic. Is was a dull grey with grey wheels. It was UGLY. To me. I was startled by how bad that car looked. It is taller that the Model S and bulkier and fatter. It looked like a pregnant car trying to waddle down the road. So ...
by oragne lovre
Mon May 02, 2016 10:53 am
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 260
Views: 48696

Re: Tesla X

BarbaricYawp wrote:So... anyone straying 'off the reservation' to buy Tesla stock directly? :wink:
Some Bogleheads discuss about owning individual stocks, especially Tesla stock, in following thread

viewtopic.php?f=1&t=119390&start=250