Search found 327 matches

by investor997
Sun Oct 14, 2018 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

New panel, perhaps? My father had his attached townhome’s replaced to get 240 for charging his Model 3. Cost him about $1800 to do so here in NorCal. Tesla had a list of recommended electricians to call. It's complicated. I can replace the subpanel in my garage to 1000A and it won't matter. Everyth...
by investor997
Sun Oct 14, 2018 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

Update from OP: Welp, massive wrinkle thrown into my situation. I live in an attached townhome and I just learned that the main breaker feeding my unit is only 70A (I'd assumed it was 100A). At the moment, it's totally unclear whether or not there's enough juice left over to add a 240V circuit to my...
by investor997
Fri Oct 12, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

Music to my ears! Speaking of which, have you thought much about what your first song in the car will be? I really have no idea... Back when I did European Delivery of my 335i I was thinking I'd play "99 Luftballoons" or "Der Komissar" in the BMW delivery center. I guess I have a week to think abou...
by investor997
Fri Oct 12, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

WHOA - Tesla just called me and they said they'll have my car ready for delivery the Monday after next. Bam!
by investor997
Fri Oct 12, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

I am very close. Considering starting a new thread to ask people to talk me *in* to buying one. So just AWD? Did you get FSD? What colors? What was the delivery estimate and where (generally) do you live? Correct - AWD/Dual Motor Long Range but not Performance. I got the 19" wheels and Midnight Sil...
by investor997
Fri Oct 12, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

OP here. Order is now placed. :twisted: In a concession to Bogleheads who scratch their heads at anything beyond a Corolla or Prius, I decided to dial it back a little and skipped the Performance/Performance Upgrade build. This saves about $12,000 but should still have enough speed/acceleration to p...
by investor997
Wed Oct 10, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

But of course spending the delta of 30k+ (to several 100k or whatever) from 'regular' new cars to cars people rave about is all about personal taste to begin with so naturally also about personal taste one cool car to another. Also I like my (F30) 328's personality as well, some people might say it...
by investor997
Wed Oct 10, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

investor997, can you elaborate on what it was about the Model 3 that blew those Audis away? What it just the fast acceleration? Because I think you would get tired of that quickly. Plus, if you care at all about battery longevity, you wouldn't be mashing the accelerator pedal all the time anyway. L...
by investor997
Wed Oct 10, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

Me personally id just buy a used porsche 911 for around 30k and itll haul ass. But i love porsche. Its not an EV but you need to ask yourself is spending 75k worth it just to go electric? Only you can weigh all your options and decide. Good luck! There is another option for OP - he could get the AW...
by investor997
Wed Oct 10, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

Me personally id just buy a used porsche 911 for around 30k and itll haul ass. But i love porsche. Its not an EV but you need to ask yourself is spending 75k worth it just to go electric? Only you can weigh all your options and decide. Good luck! OP here. You probably read over my other posts that ...
by investor997
Tue Oct 09, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

Thanks for clarifying. I think I would probably just stick with the 4 Runner for bike transport, but I understand your perspective. Ironically, the fact that I *have* to use my 4Runner for bike transport is what's driving me to find a new car. When I sold my BMW for the 911 I gave up the ability to...
by investor997
Tue Oct 09, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

I would personally prioritize something like this: 8k Mountain bike of my dreams. Yeti SB5.5C or Evil Following/Wreckoning. 25-30k Fun sedan/hatchback. Stick GTI or Civic SI or ? Something with a good suspension and a manual transmission. Fun to drive on winding roads. Keep the 4 Runner I tend to b...
by investor997
Tue Oct 09, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

I am a "car guy" (go back to a 1962 Porsche 356), retired with all the assets I need, and also trying to decide about the 3, I will forego the financial aspects and share my thinking. 1) My own inclination is for the Long Range, RWD model. Tesla now tells me that I can get it in "less than 4 weeks"...
by investor997
Tue Oct 09, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

Get Auto Pilot, unless all your jaunts are strictly short/local-roads. OP here. I have no interest in the $5000 Autopilot option nor the additional $3000 "someday we'll have full autonomous driving - trust us" add-on. If I wanted my car to drive itself I would have no need to spend so much money on...
by investor997
Mon Oct 08, 2018 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

OP here. Let me clarify a couple things. Porsche 911s don't cost that much to own if you buy them used (as I did). After four years, the worst part of the depreciation curve is over. If you can do your own basic maintenance (again as I did) they don't cost much to keep on the road. 997s in particula...
by investor997
Mon Oct 08, 2018 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

Slacker wrote:
Mon Oct 08, 2018 8:59 pm
Starfish wrote:
Mon Oct 08, 2018 8:29 pm
My question in all this discussion would be how do you get 1.6 milion in NW with 160k salary while driving a 911 :D
The power of having no kids... :twisted:
+997
by investor997
Mon Oct 08, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

I disagree that it's so clear cut you can afford a $75k vehicle. One market downturn and all your nice looking figures are gone. You could be close to 50, have a $350k paid off house, a sub $600k retirement fund, and no job. Then that $75k car is going to feel like a bad decision. At least that's w...
by investor997
Mon Oct 08, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

I am picking up my Model 3 later this week, but am getting the mid-range version - $55k with dual-motors, 0-60 in 4.6s, 310mile range - that is same price and performance as an S4 (my current car) before considering rebate and NJ sales tax waiver. To repeat, THE MODEL 3 IS CHEAPER TO BUY than it's ...
by investor997
Mon Oct 08, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

I'm one of the most conservative / cheap people you would ever meet. But even I cannot find a good reason for you not to buy a Tesla 3. Age 45 with no kids, no debt, and $1.6M between investments and home equity? You could afford a much greater vehicle. P100D? Others that you could easily afford, f...
by investor997
Mon Oct 08, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

Using torque figures as a comparison figure: Corolla - 128 lb-ft Leaf -- 236 lb-ft Tesla 3 - 307 lb-ft You shouldn't go out and buy a Leaf because you clearly don't want one, but it's not as far off as you might imagine in terms of a key performance metric. It's zippy as hell off the line. No, not ...
by investor997
Mon Oct 08, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

I picked up a 2017 Leaf last year for $12,500 + tax (brand new, after federal and state tax breaks and a discount from the local utility company). It's probably 40% of what the Tesla 3 is, for way less money. Fun to drive, but the EV interest begins to wear me out in the winter around here -- signi...
by investor997
Mon Oct 08, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

Yeah, you're crazy. Wait till you're 50 and have saved more money. It's too much for you to spend on a car right now with your income/assets. (Though, you'll probably still get the car because it's not clear what you're driving now if you sold another car for $40k. Is it a Corolla? :-) I had to...)...
by investor997
Mon Oct 08, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

+1 a $2k Rad + a $25k car + $50k in your pocket. :wink: Leave it to Bogleheads to suggest a bicycle with an electric motor would somehow make a viable alternative to an automobile... FYI: I do have a pretty nice bike. It's a Santa Cruz Tallboy mountain bike and I ride it exclusively on off-road tra...
by investor997
Mon Oct 08, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

I was recently in this position. I decided on the 2018 Leaf. It's not as nice as the Tesla, no doubt. But it ran me ~$30k after tax incentives, and I would say it's easily 50% of the car the Tesla is. So the decision comes down to whether the extra benefits of the Tesla are worth the $45k surcharge...
by investor997
Mon Oct 08, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

Think about the long term experience with a Tesla Model 3 not just a 15 minute drive. 1) They are horribly made. Take a look at the True Delta figures since Tesla won't give info to JD Power like the rest of the industry...wonder why that is? Tesla is way worse than the other brands (not just Toyot...
by investor997
Mon Oct 08, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Re: Talk me out of buying a Tesla Model 3

You can afford it by any rational metric. I do find it interesting that you were looking at spending $30k-40k on a car and now you are OK with spending $75k. I sure hope a vehicle costing twice as much would offer a better experience. This is part of my conundrum. A 2018/2019 Audi S4 - one of my ca...
by investor997
Mon Oct 08, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10913

Talk me out of buying a Tesla Model 3

Fellow Bogleheads, I made the mistake of test driving a Tesla Model 3 Performance this weekend. The car blew me away and now I want one. I know that to most on this forum, anything above and beyond a Corolla or a Prius is a waste of money so I'll make an appeal to those like me who like fast cars an...
by investor997
Fri Sep 28, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Counterfeits benefit Amazon
Replies: 14
Views: 1427

Re: Counterfeits benefit Amazon

I've shifted most of my Amazon spend to alternate "catch-all" shopping sites such as Jet.com or Walmart.com, if anything because they usually offer a higher return rate via airline points shopping portals. I'm debating whether or not to cancel my Prime membership. I don't even watch Amazon Prime Vid...
by investor997
Fri Sep 21, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2924
Views: 576137

Re: What's Your Credit Card Rewards Strategy?

Sounds like they may be potentially be revising (increasing) the annual fee on Oct 4 (at least according to a comment on an article on TPG). You can get 6% at supermarkets using the Amex Blue Preferred (up to $6K per year). Also, Discover and Chase Freedom tend to offer 5% at supermarkets in their ...
by investor997
Fri Sep 21, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8738

Re: Physical Banking - Any benefits anymore?

If you like to buy and sell used cars it's pretty much a necessity to have an account at a bank with brick and mortar branches (cashier's checks).
by investor997
Thu Sep 20, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2924
Views: 576137

Re: What's Your Credit Card Rewards Strategy?

As far as earning points goes, the CSR's 1 point advantage on dining/travel over the CSP has to make up for the difference in first year Annual Fee ($450 - $300 travel credit = $150 vs. $0 for the CSP). At a $0.015 valuation, $150 is worth 10K UR points, or $10K in spend on travel/dining. I won't h...
by investor997
Thu Sep 20, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2924
Views: 576137

Re: What's Your Credit Card Rewards Strategy?

What I'm thinking is maybe apply for the CSP and use that for the first year, then *maybe* product change it into a CSR the second year. Reasons: First year annual fee is waived on the CSP ($0 vs. $450), the sign-up bonus is the same (50K UR) and as I mentioned earlier, my "Player 2" already has a ...
by investor997
Thu Sep 20, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2924
Views: 576137

Re: What's Your Credit Card Rewards Strategy?

I'm waffling on which card I should get next. Overall goal is to build up airline points for future travel. Future destinations include Asia and Europe; can't be more specific at this time. At present I have a Chase Southwest RR VISA acquired last year as part of their California resident Companion...
by investor997
Thu Sep 20, 2018 9:59 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1251
Views: 215312

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Merrill Edge update: I just received my $1000 bonus (9/17). The account was opened in February and funds were initially transferred in on 3/14, so call it 6 months and change.
by investor997
Tue Sep 18, 2018 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2924
Views: 576137

Re: What's Your Credit Card Rewards Strategy?

Jags4186 wrote:
Tue Sep 18, 2018 5:21 pm
Those are benefits for the Chase Sapphire, not the Sapphire Preferred. The Sapphire is and has been unavailable for new sign ups for years but is an available downgrade option.
Wow, thanks, did not know this! The CSP has more value than I thought...
by investor997
Tue Sep 18, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2924
Views: 576137

Re: What's Your Credit Card Rewards Strategy?

I'm waffling on which card I should get next. Overall goal is to build up airline points for future travel. Future destinations include Asia and Europe; can't be more specific at this time. At present I have a Chase Southwest RR VISA acquired last year as part of their California resident Companion ...
by investor997
Tue Sep 18, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2924
Views: 576137

Re: What's Your Credit Card Rewards Strategy?

Should I go ahead and cancel CSP? Or am I missing some of its features that are not covered by my other cards? Victoria Primary rental car coverage. I don't believe this is the case. CSR is primary but CSP is secondary, at least here in the US for US residents. https://www.chase.com/content/chaseco...
by investor997
Tue Sep 18, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America credit card “feature” (be careful with autopay)
Replies: 45
Views: 2725

Re: Bank of America credit card “feature” (be careful with autopay)

Does BOA even have a standard "pay the full amount of last month's bill" autopay setting? I looked and looked for it about a year ago and could only find stupid other autopay settings (like, pay the exact same dollar amount every month). So for BOA I just do a "push" auto pay from my bank's bill pa...
by investor997
Thu Sep 13, 2018 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor Roth Mechanics
Replies: 23
Views: 2744

Re: Mega Backdoor Roth Mechanics

Although it isn't intuitively obvious, Fidelity maintains a separate "account" in your 401k for just the after-tax contributions. For example, suppose you have $100K in your 401k which is made up of pretax contributions and their earnings. You recently started after-tax contributions and let them b...
by investor997
Thu Sep 13, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: BofA/Merrill Edge or Chase Sapphire Banking/CPC?
Replies: 55
Views: 5226

Re: BofA/Merrill Edge or Chase Sapphire Banking/CPC?

Starting next month, Chase will offer a 60K Ultimate Rewards point bonus for opening a Sapphire Banking account w/ $75K in cash and/or investments: https://www.cnbc.com/2018/09/13/jpmorgan-offers-sapphire-card-users-60000-points-for-checking-account.html This is starting to look interesting, especia...
by investor997
Sun Sep 02, 2018 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: BofA/Merrill Edge or Chase Sapphire Banking/CPC?
Replies: 55
Views: 5226

Re: BofA/Merrill Edge or Chase Sapphire Banking/CPC?

I'm at BofA and I have Platinum Honors status. I admit the cash back with their credit cards is pretty excellent but I'd consider a move to Chase. The Doctor of Credit website says there will likely be a new account bonus offered for Sapphire banking eventually and it'll probably be in the form of U...
by investor997
Wed Aug 22, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12433

Re: Good Non-Boring Boglehead Cars Under $30k

2015 Audi A6 3.0T. Its missing the Andriod/Carplay integration, but other than that is a fantastic car for the money and meets your critiera. The 3.0T engine in particular has a high fun factor, and the car is very luxurious to boot. This and the S4 of similar vintage are both on my short list.... ...
by investor997
Sun Aug 19, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: One more reason for Fidelity Visa
Replies: 15
Views: 3231

Re: One more reason for Fidelity Visa

Couple things as I understand it: Most credit cards provide some sort of LDW car rental insurance. The question is whether or not the insurance is *primary* or *secondary*. Most cards offer secondary coverage, which means your own personal auto insurance has to cover damage first and the credit card...
by investor997
Wed Aug 08, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?
Replies: 45
Views: 2169

Re: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?

I just followed the link in https://www.doctorofcredit.com/chase-united-mileageplus-explorer-changes-are-now-live-plus-targeted-60000-mile-bonus-available-for-some/ and apparently I am eligible for the 60k offer. I'd love to know what data Chase and United use to make this elevated offer... All I g...
by investor997
Wed Aug 08, 2018 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?
Replies: 45
Views: 2169

Re: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?

The 50K "inflight" offer is just a URL: https://unitedexplorercard.com/inflightoffer. It doesn't seem to require any proof of being on a flight. The main question is which you value more: $100 statement credit or 10K miles. The latter might be more beneficial if your long term goal is an internatio...
by investor997
Wed Aug 08, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?
Replies: 45
Views: 2169

Re: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?

This appears to be better than run-of-the-mill. The standard offer on United's website is 40K sign-up miles and a $100 statement credit. There's also an in-flight offer at 50K sign-up miles but *without* the statement credit. How does one get access to the 60K offer? Is that targeted? Apparently it...
by investor997
Wed Aug 08, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?
Replies: 45
Views: 2169

Re: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?

Current Offer: - 60,000 bonus miles after $3k spent in the first 3 months - 5,000 miles after adding an authorized user - 1 free checked bag each way for me and a guest - Priority boarding - 2 United Club passes - 2 miles for every $1 spent at United, restaurants, and hotel accomodations - 1 mile e...
by investor997
Mon Aug 06, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: My Credit Card Rewards Strategy
Replies: 28
Views: 2617

Re: My Credit Card Rewards Strategy

I'm still looking for a decent card with 3% grocery rewards. I've tried Amex Blue Cash Everyday and hated the two month delay in posting of rewards and the $25 minimum redemption requirement, so I closed the card and just use my 2% card for groceries. BofA Cash Rewards pays back 2% on groceries, bu...
by investor997
Sat Aug 04, 2018 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: How to Start CC Churning
Replies: 33
Views: 3997

Re: How to Start CC Churning

The GF and I have indeterminate travel goals. We don't really know where we're going of when, but we're pretty certain we're going somewhere. To that end, she recently signed up for the Chase Sapphire Reserve. We were thinking we'd easily spend the $300 travel credit on upcoming airfare but it turns...
by investor997
Thu Aug 02, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking opinions: How to invest 150k?
Replies: 8
Views: 800

Re: Seeking opinions: How to invest 150k?

Suppose for a moment you didn't change jobs and the 401k at your (now) previous employer was left alone. If you'd come on here and told this forum you were getting market jitters and you were thinking about moving your 401k into cash, you would have been told that you were attempting to time the mar...