Search found 431 matches

by oragne lovre
Sat Jul 23, 2016 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Owning A Medical Office
Replies: 3
Views: 644

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: 1979

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: 3087
Views: 682139

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: 946

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: 3995

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: 231
Views: 34399

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: 231
Views: 34399

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: 231
Views: 34399

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: 231
Views: 34399

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: 5005

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: 1708
Views: 398282

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: 231
Views: 34399

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: 193
Views: 26262

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: 1182

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: 1182

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: 1182

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: 1182

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: 7026

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: 7110

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: 163
Views: 64635

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: 14298

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: 1177

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: 231
Views: 34399

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: 656
Views: 22668

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: 231
Views: 34399

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: 231
Views: 34399

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: 231
Views: 34399

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: 231
Views: 34399

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: 231
Views: 34399

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: 3357

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: 251
Views: 20307

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: 10556

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: 231
Views: 34399

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: 29204

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: 17067

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: 29204

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: 11487

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: 11487

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: 6227

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: 3075

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: 3075

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: 35440

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: 3075

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: 3075

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: 3075

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: 7211

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: 231
Views: 34399

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: 7211

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: 7211

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: 231
Views: 34399

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...

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