Search found 447 matches

by oragne lovre
Thu Dec 08, 2016 12:19 am
Forum: Investing - Help with Personal Investments
Topic: Retirement with $8M in investments
Replies: 148
Views: 14009

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: 40132

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: 5891

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: 8310

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: 2509

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: 40132

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: 34752

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: 34752

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 pum...
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: 6059

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: 40132

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: 1007

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: 11545

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: 1007

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: 11292

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 direc...
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: 11292

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 direc...
by oragne lovre
Sat Jul 23, 2016 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Owning A Medical Office
Replies: 3
Views: 747

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: 15
Views: 2759

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: 3274
Views: 785601

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: 1033

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: 71
Views: 4644

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: 40132

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: 40132

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 ...
by oragne lovre
Mon May 02, 2016 1:32 pm
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 260
Views: 40132

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: 40132

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
by oragne lovre
Fri Apr 29, 2016 2:01 am
Forum: Personal Finance (Not Investing)
Topic: Physician Specialists Looking for career advice
Replies: 42
Views: 5418

Re: Physician Specialists Looking for career advice

Since your first job, just like a date, may not result in a stable marriage, you should not take on other financial risks such as purchase of a big house or a fancy car. When I agreed to take my first job, which is fortunately still ongoing, a senior partner told me to enjoy life by getting a mansio...
by oragne lovre
Sun Apr 17, 2016 12:07 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2012
Views: 519441

Re: What Book Are You Currently Reading? Part VI

I'm finishing "Aristotle for Everybody" by Mortimer J Adler, and am looking for other books that discuss more about first-principles thinking. Any Bogleheads with recommendation for such books?
by oragne lovre
Wed Apr 13, 2016 12:39 am
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 260
Views: 40132

Re: Tesla X

If you plan to keep an expensive car such as the X for more than 10 years, will it make sense to spend a bit more money to apply protective products such as XPEL to vulnerable areas such as bumpers, side mirrors?
by oragne lovre
Sun Apr 10, 2016 7:08 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 215
Views: 32506

Re: I'm Calling an Emerging Markets Bottom

I just saw this thread today and went back to review my VEMAX performance. I increased bi-weekly VEMAX buy since June 2015 because I felt underweighted on EM at the time. I still incur about 3% loss.
by oragne lovre
Sun Apr 10, 2016 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Error or Change in Rule of "Backdoor" IRA Conversion
Replies: 12
Views: 1277

Re: H&R Block Error or Change in Rule of "Backdoor" IRA Conversion

Now I have to figure out if I would be able to do something about the $660 amount that I donated to uncle Sam in 2014. You'd have to amend that return if you want the money back. If you're expecting a refund for 2015, I'd suggest you file 2015 now and amend 2014 after you get the 2015 refund (so th...
by oragne lovre
Sat Apr 09, 2016 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Error or Change in Rule of "Backdoor" IRA Conversion
Replies: 12
Views: 1277

Re: H&R Block Error or Change in Rule of "Backdoor" IRA Conversion

I'm using H&R Block software to file 2015 tax. In the final review, I notice that I incur $660 which is labeled as "retirement tax." This amount comes from my "backdoor" conversion of nondeductible traditional IRA to Roth IRA. I converted a total amount of $11,000 for both m...
by oragne lovre
Sat Apr 09, 2016 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Error or Change in Rule of "Backdoor" IRA Conversion
Replies: 12
Views: 1277

Re: H&R Block Error or Change in Rule of "Backdoor" IRA Conversion

I've reviewed details that you all recommend to look at. This $660 is shown on "retirement plan tax" heading, which contains questions that ask me about excess contributions or required withdrawals made in 2015. I did not make any of these acts in 2015. I've reviewed the 1040 and cannot fi...
by oragne lovre
Fri Apr 08, 2016 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Error or Change in Rule of "Backdoor" IRA Conversion
Replies: 12
Views: 1277

H&R Block Error or Change in Rule of "Backdoor" IRA Conversion

I'm using H&R Block software to file 2015 tax. In the final review, I notice that I incur $660 which is labeled as "retirement tax." This amount comes from my "backdoor" conversion of nondeductible traditional IRA to Roth IRA. I converted a total amount of $11,000 for both my...
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: 7334

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: 7643

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: 187
Views: 76568

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: 14788

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: 1258

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: 260
Views: 40132

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: 657
Views: 26560

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: 260
Views: 40132

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: 260
Views: 40132

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: 260
Views: 40132

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: 260
Views: 40132

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: 260
Views: 40132

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: 3946

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: 264
Views: 23575

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: 11103

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: 260
Views: 40132

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: 184
Views: 39003

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...

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