Search found 414 matches

by oragne lovre
Wed Jan 20, 2016 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: I have no more money to invest
Replies: 76
Views: 6310

Re: I have no more money to invest

One idea I had was selling my car, but then I would have to bus everywhere. Sounds reasonable. It may be inconvenient on a practical level but you'd be a legend in the forum. Go for it. I'd recommend the opposite: Keep your car, use it as a means (Uber taxi service coming to mind) to make some extr...
by oragne lovre
Fri Jan 15, 2016 10:33 pm
Forum: Personal Consumer Issues
Topic: Best place to live in CA for a young family
Replies: 82
Views: 6043

Re: Best place to live in CA for a young family

Irvine: + good public schools, University of California, diversity of all types, restaurants, close to beach/coast, parts can be walkable, multiple airport options. - 2000 square foot house probably over $750K but there are lots of townhouses and some houses closer to 1500 square feet I second this...
by oragne lovre
Sun Jan 10, 2016 4:03 pm
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 135
Views: 47958

Re: A time to EVALUATE your jitters

A good thread to peruse, just in case some Bogleheads may feel more jittery in upcoming weeks or ... months :happy
by oragne lovre
Fri Jan 08, 2016 9:56 pm
Forum: Investing - Theory, News & General
Topic: worst first four opening days in HISTORY for S&P 500
Replies: 125
Views: 12956

Re: worst first four opening days in HISTORY for S&P 500

Are we hearing cannon sound or just auditory hallucination?
by oragne lovre
Mon Jan 04, 2016 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing tax credits (EV, AOTC, 2 filers)
Replies: 16
Views: 941

Re: Optimizing tax credits (EV, AOTC, 2 filers)

Following up on Andy's suggestion, I ran simulated tax returns for me not taking my daughter as a dependent. As I suspected, this does not seem to be a beneficial approach. My combined tax bill increases by about $700, since my state tax increases by more than my (after-EV-credit) federal tax decre...
by oragne lovre
Mon Jan 04, 2016 12:42 am
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 128
Views: 15879

Re: Tesla X

Tax Incentive:

At Tesla support site, it reads that federal rebates can be claimed immediately after purchase, while tax credits are claimed while filing income taxes. I prefer the latter option but am not sure if it actually has any advantage over the former one.
Any comments?
by oragne lovre
Fri Jan 01, 2016 10:46 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 646
Views: 14564

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

2099.9

I'm perpetually optimistic :)
by oragne lovre
Fri Jan 01, 2016 9:48 pm
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 128
Views: 15879

Re: Tesla X

A cool video that shows two guys testing Tesla AutoPilot

https://www.youtube.com/watch?v=tP7VdxVY6UQ
by oragne lovre
Wed Dec 30, 2015 10:45 pm
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 128
Views: 15879

Re: Tesla X

I prefer to pick up the X at Tesla manufacturer site so that I can tour the factory at the same time. The design studio, however, only gives me the option of pickup at either local Tesla places in SoCal. 1. Do I have to call Tesla to request for factory-site pickup? 2. Would I be able to save any de...
by oragne lovre
Sat Dec 19, 2015 11:33 pm
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 128
Views: 15879

Re: Tesla X

Do you think AP helps you drive more safely, even though it "behaves" more aggressively than you would expect? I'm still tinkering with options for my X in the Tesla design studio; AP or no AP now, that's the question. After using it, I wouldn't even consider getting a Tesla without AP. Y...
by oragne lovre
Sat Dec 19, 2015 4:31 pm
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 128
Views: 15879

Re: Tesla X

Interesting article about Google driverless cars, including a traffic stop. http://bloom.bg/1Qw8fjB I wonder if Tesla AutoPilot behaves (is programmed) the same way as Google's? Doesn't seem like it to me. The article says the reason for the higher incidence of (minor) crashes is that the Google ca...
by oragne lovre
Sat Dec 19, 2015 12:36 am
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 128
Views: 15879

Re: Tesla X

TomatoTomahto wrote:Interesting article about Google driverless cars, including a traffic stop.
http://bloom.bg/1Qw8fjB


I wonder if Tesla AutoPilot behaves (is programmed) the same way as Google's?
by oragne lovre
Tue Dec 15, 2015 12:16 am
Forum: Personal Consumer Issues
Topic: Bose SoundTouch 10 vs Sonos Play:1
Replies: 26
Views: 2581

Re: Bose SoundTouch 10 vs Sonos Play:1

shoot... had been considering Sonos for quite a while now... price has had me on the sidelines... but after reading this thread me thinks I need to pull the trigger... dumb question to ask smart / technical / DIY'er bogleheads... I had a stereo pro quote me on Sonos equipment with install earlier i...
by oragne lovre
Mon Dec 07, 2015 10:38 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 179
Views: 11015

Re: Flaunt Your High-Mileage Car

'97 Toyota Camry
278,000 miles.
Just regular oil change, battery&tire replacement, annual inspection by a trusted mechanic.
No major problems so far.
by oragne lovre
Fri Dec 04, 2015 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Doctor Strategies
Replies: 74
Views: 9320

Re: Doctor Strategies

You're already doing all the right things. The next challenge is to figure out how to live happily in a comfortable unimposing home, driving a safe unflashy car, wearing inexpensive clothing. You, however, should not skimp when you buy shoes, bicycles, etc. that keep you enjoying running, bicycling,...
by oragne lovre
Sat Nov 28, 2015 9:26 pm
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 128
Views: 15879

Re: Tesla X

It's worth noting that Side Collision Avoidance (SCA) and Automatic Emergency Braking (AEB) are standards in all model Xes. These features are ones that will make the X a safer car. Safety is a main factor that facilitates my decision to get an X.
by oragne lovre
Thu Nov 26, 2015 5:14 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 129
Views: 26554

Re: My New Car Buying Tips

All good tips. The most important lesson is that neither the dealer nor the salesmen and certainly not the sales manager are your friends. I am embarrassed thinking of all the times I ended up over paying for a car by thinking they were my friends. By far best car buying experience for me was purch...
by oragne lovre
Thu Nov 26, 2015 4:59 pm
Forum: Personal Consumer Issues
Topic: Best (Available)Red Wine for under $15 preferrably under $10
Replies: 106
Views: 14551

Re: Best (Available)Red Wine for under $15 preferrably under $10

I plan to stop by either Costco, Trader Joe, or Total Wine tomorrow to get a couple of red bottles. I appreciate any updated recommendation since this thread was started back in April. Please limit to either Costco, Trader Joe, or Total Wine since I won't be able to drive to all stores :happy Happy ...
by oragne lovre
Mon Nov 23, 2015 11:03 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 129
Views: 26554

Re: My New Car Buying Tips

All good tips. The most important lesson is that neither the dealer nor the salesmen and certainly not the sales manager are your friends. I am embarrassed thinking of all the times I ended up over paying for a car by thinking they were my friends. By far best car buying experience for me was purch...
by oragne lovre
Mon Nov 09, 2015 9:29 pm
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging inferior [but Vanguard disagrees]
Replies: 143
Views: 9257

Re: Dollar Cost Averaging inferior [but Vanguard disagrees]

One invests the maximum percentage that one can afford of every paycheck. One periodically modifies the allocation of stock/bond of the invested amount over time in accordance with risk tolerance, which correlates with age. I believe in this simple strategy. You may call it DCA, but I call it steady...
by oragne lovre
Mon Nov 09, 2015 8:57 pm
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging inferior [but Vanguard disagrees]
Replies: 143
Views: 9257

Re: Dollar Cost Averaging inferior

DCA has two meanings. One meaning is just investing a % of each paycheck over time. That is a good policy that has nothing to do with investing a lump sum. So, I would have to see the webinars you are are talking about. For the purposes of comparing DCA and lump sum, investing a % of each paycheck ...
by oragne lovre
Thu Nov 05, 2015 12:07 pm
Forum: Investing - Theory, News & General
Topic: Buy on Dip/Sell on Rise
Replies: 87
Views: 5315

Re: Buy on Dip/Sell on Rise

A few things to consider: -- Trading costs matter. Buy on dip/sell on rise could create a lot of transaction costs, and that's a drag on gains. --You have to put some amount of time into the process, and your time has a dollar value. That's another drag-- could you be spending that time doing somet...
by oragne lovre
Thu Oct 29, 2015 11:08 pm
Forum: Investing - Theory, News & General
Topic: I don't understand Convertible Securities
Replies: 20
Views: 2709

Re: I don't understand Convertible Securities

Another thought by the by is voting rights. Along with Liquidation Preference and Antidilution, the ability to vote is key in venture investing. If your shares don't get a vote, you are not listened to. So does this instrument convert into shares which have votes (at all, or under some circumstance...
by oragne lovre
Mon Oct 26, 2015 8:12 pm
Forum: Investing - Theory, News & General
Topic: I don't understand Convertible Securities
Replies: 20
Views: 2709

Re: I don't understand Convertible Securities

Another thought by the by is voting rights. Along with Liquidation Preference and Antidilution, the ability to vote is key in venture investing. If your shares don't get a vote, you are not listened to. So does this instrument convert into shares which have votes (at all, or under some circumstance...
by oragne lovre
Wed Oct 21, 2015 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 260
Views: 33027

Re: Tesla Motors Stock

TimeRunner wrote:Not to say Tesla's products aren't amazing, leaderships not brilliant, etc. Just remembering this thread and single-stock investment risk....


:beer
by oragne lovre
Wed Oct 21, 2015 10:17 am
Forum: Investing - Theory, News & General
Topic: I don't understand Convertible Securities
Replies: 20
Views: 2709

Re: Re:

I agree with the analysis above -- you don't need converts in your portfolio. The only people for whom convertibles make sense are venture capital/private equity type investors, because what they are doing is buying a controlling stake in a company and getting bond coupon payments while they wait a...
by oragne lovre
Tue Oct 20, 2015 8:13 pm
Forum: Investing - Theory, News & General
Topic: I don't understand Convertible Securities
Replies: 20
Views: 2709

Re: Re:

Do convertible notes make sense for those investors who see a business model they like, then want to work with founders to grow the business? In other words, these investors not only put in their hard-earned money but also work hard to promote the business. (The reason I resurrect this thread becau...
by oragne lovre
Tue Oct 20, 2015 12:07 am
Forum: Investing - Theory, News & General
Topic: I don't understand Convertible Securities
Replies: 20
Views: 2709

Re:

I agree with the analysis above -- you don't need converts in your portfolio. The only people for whom convertibles make sense are venture capital/private equity type investors, because what they are doing is buying a controlling stake in a company and getting bond coupon payments while they wait a...
by oragne lovre
Sat Oct 17, 2015 3:13 pm
Forum: Personal Consumer Issues
Topic: Bicycle commuting
Replies: 91
Views: 6296

Re: Bicycle commuting

Any Bogleheads ride folding road-bicycles with regular wheel size? If you do, please let me know its pros and cons. I contemplate buying a folding roadbike that I can use in next inter-state driving trip.
by oragne lovre
Sat Oct 17, 2015 12:49 am
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 128
Views: 15879

Re: Tesla X

TomatoTomahto wrote:My house has been wired and I will probably stay wired until March of next year :)


I guess you mean you've installed NEMA 240 volt outlet?
by oragne lovre
Fri Oct 16, 2015 8:50 pm
Forum: Personal Consumer Issues
Topic: Bicycle commuting
Replies: 91
Views: 6296

Re: Bicycle commuting

Lots of good discussion here. I'm a bike commuter, and I'd like to chime in with this suggestion: Get a bike horn. Like this one: http://www.amazon.com/Delta-Airzound-Bike-Horn-colors/dp/B000ACAMJC/ . It's a air canister connected to a horn. The canister can be pumped with a normal bike pump (Schra...
by oragne lovre
Thu Oct 15, 2015 2:50 am
Forum: Personal Consumer Issues
Topic: Bicycle commuting
Replies: 91
Views: 6296

Re: Bicycle commuting

I ride bicycle to run errands but cannot commute by bicycle yet; I wish there were bicyclist-friendly roads between home and workplace.
It's great to combine aerobic exercise with mundane daily chores.
by oragne lovre
Sun Oct 11, 2015 12:18 am
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 128
Views: 15879

Re: Tesla X

Looks like a cool car. Too bad it's about $120k too expensive. The current high price is for Founder/Signature cars, which have all the bells and whistles. The price of production cars, which means the ones for mass market, will be lower. The majority of prospective X owners needs to wait for coupl...
by oragne lovre
Sun Sep 06, 2015 6:48 pm
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 128
Views: 15879

Re: Tesla X

Looks as if some of you may be up for a nice tax deduction. Planning to use it? Beyond the $7,500 federal tax credit offer at the purchase of electric vehicles and other tax incentives at the state level, the Model X’s weight and capacity could make it eligible to the $25,000 tax deduction for heav...
by oragne lovre
Sun Sep 06, 2015 12:53 pm
Forum: Personal Consumer Issues
Topic: Kindle: Is It Worth Replacing?
Replies: 13
Views: 1701

Re: Kindle: Is It Worth Replacing?

Try resetting it. http://www.wikihow.com/Reset-a-Kindle Even though my first reset failed, the second one has brought my Kindle back to life. I hope it's going to last for a while before any other glitches. Meanwhile, I'm looking at other reading devices that other bogleheads recommend. Thanks, Sid...
by oragne lovre
Sat Sep 05, 2015 8:30 pm
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 128
Views: 15879

Re: Tesla X

I forgot that oragne lovre had set up this thread last Spring. I was a little aback by the announced pricing of the first Signature Model X vehicles. But based on Elon statement that should be about $5K more than Model S expect the production versions to be available below $100K before tax credit. ...
by oragne lovre
Sat Sep 05, 2015 7:51 pm
Forum: Personal Consumer Issues
Topic: Kindle: Is It Worth Replacing?
Replies: 13
Views: 1701

Kindle: Is It Worth Replacing?

I need advice from Bogleheads who own Amazon Kindles. The background: I have an Amazon Kindle with keyboard which was marketed around 2012. I now run into a problem - it reads "loading.." but nothing else happens when I turn it on. I have quite a few ebooks that I've bought from Amazon. Fo...
by oragne lovre
Sat Sep 05, 2015 6:47 pm
Forum: Personal Consumer Issues
Topic: Classical Music
Replies: 31
Views: 1804

Re: Classical Music

OK folks, I apparently have poor communication skills; I will try again. What I meant to ask is: -do you usually use Classical Music for background music while reading a book or doing home work or highly concentrated work or housework or something else? -do you usually just sit down and just focus ...
by oragne lovre
Tue Sep 01, 2015 11:14 pm
Forum: Investing - Theory, News & General
Topic: "Investors are fleeing once-popular emerging markets."
Replies: 50
Views: 5692

Re: "Investors are fleeing once-popular emerging markets."

I'm buying more VEMAX as its price goes down further. I'm greedy when I see something that is on sale :happy
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: 20333

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: 260
Views: 33027

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: 2748
Views: 545401

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: 2748
Views: 545401

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: 31
Views: 3377

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: 6117

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: 6868

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: 6868

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: 13940

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: 128
Views: 15879

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: 128
Views: 15879

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?

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