Search found 60 matches

by tdmp
Sat Oct 24, 2020 10:28 am
Forum: Investing - Theory, News & General
Topic: Anybody here trying Coast FIRE?
Replies: 317
Views: 26845

Re: Anybody here trying Coast FIRE?

In the USA: I think one of biggest reason why people don't COAST and take lower paying job or working part time, etc . is lack of health insurance if you don't work full time. If there were some sort of universal health care, then people would be more inclined to hop from 1 job to another, work less...
by tdmp
Mon Oct 12, 2020 12:24 pm
Forum: Investing - Theory, News & General
Topic: Do I have to read the prospectus before buying an index fund?
Replies: 28
Views: 1488

Re: Do I have to read the prospectus before buying an index fund?

ebaron wrote: Mon Oct 12, 2020 10:27 am
crswvc wrote: Mon Oct 12, 2020 10:24 am Should you? Yes
Have to / Required to? No
Do Bogleheads do it?
I don't.
by tdmp
Tue Oct 06, 2020 11:05 pm
Forum: Personal Consumer Issues
Topic: Buying a Tesla
Replies: 84
Views: 7603

Re: Buying a Tesla

Agree with most posters here: BUY it.
by tdmp
Mon Oct 05, 2020 6:55 pm
Forum: Personal Consumer Issues
Topic: Resolved-Buy older model used Mercedes?
Replies: 37
Views: 2353

Re: Buy late model used Mercedes?

hicabob wrote: Mon Oct 05, 2020 10:34 am Used Mercedes are known for being more expensive than new ones. Listen to Scotty

https://www.youtube.com/watch?v=XV9rJwE ... ottyKilmer
I totally agree with this comment (and Scotty Kilmer) .
by tdmp
Sat Sep 26, 2020 5:55 pm
Forum: Personal Consumer Issues
Topic: Talk me into buying a Tesla Model Y
Replies: 86
Views: 7377

Re: Talk me into buying a Tesla Model Y

My 2006 BMW is on its last leg. Our other car is a 2020 BMW, so we are thinking about Model Y as a second car. To be honest, we now have the means in retirement that we would like to experience a different kind of technology. We are not car enthusiasts, but are technology inclined. Please advise: 1...
by tdmp
Mon Sep 14, 2020 8:30 am
Forum: Personal Consumer Issues
Topic: Buying a car?
Replies: 25
Views: 2082

Re: Buying a car?

Like others have said: I also say keep the Wrangler.
by tdmp
Sun Sep 13, 2020 7:36 pm
Forum: Personal Investments
Topic: I’ve got 50K to invest in an ultra aggressive portfolio—seeking growth to 1 Million
Replies: 76
Views: 7698

Re: I’ve got 50K to invest in an ultra aggressive portfolio—seeking growth to 1 Million

Maybe go to WallStreetBets. I discovered WallStreetBets about 1 year ago. I do go there from time to time to reaffirm that Boglehead way is generally the better way to "invest". But I have seen some got rich really, really quick. clarify: sorry, it was mototrojan that wrote "maybe go...
by tdmp
Sun Sep 13, 2020 7:32 pm
Forum: Personal Investments
Topic: I’ve got 50K to invest in an ultra aggressive portfolio—seeking growth to 1 Million
Replies: 76
Views: 7698

Re: I’ve got 50K to invest in an ultra aggressive portfolio—seeking growth to 1 Million

MotoTrojan wrote: Sun Sep 13, 2020 5:09 pm
Jdahlen wrote: Sun Sep 13, 2020 5:06 pm Maybe go to WallStreetBets.
I discovered WallStreetBets about 1 year ago. I do go there from time to time to reaffirm that Boglehead way is generally the better way to "invest". But I have seen some got rich really, really quick.
by tdmp
Sat Sep 05, 2020 3:35 pm
Forum: Personal Consumer Issues
Topic: Tesla Full Self Driving Option
Replies: 131
Views: 10334

Re: Tesla Full Self Driving Option

if you believe consumer reports: this makes the current FSD not worthwhile. Maybe just take the $8K and "invest" in TSLA b/c if Tesla ever achieve level 5 autonomy, that $8K might be worth more???

https://www.youtube.com/watch?v=IQOf_F6hibk&t=326s
by tdmp
Fri Sep 04, 2020 2:08 pm
Forum: Personal Investments
Topic: Family member has one million in one stock , doesn't want to cash out
Replies: 261
Views: 28417

Re: My dad has 1 million in Tesla, I told him to cash out, he doesn't want too

I believe the market is efficient in "having all the information." However, market can be wrong in pricing, ie. Pets.com, Webvan, WeWork, valeant etc... Tesla currently is priced as technology and not just automotive. That's kind of troubling, because Tesla did not invent the car. They ma...
by tdmp
Fri Sep 04, 2020 10:50 am
Forum: Personal Investments
Topic: Neutralizing TSLA in VTSAX?
Replies: 20
Views: 1932

Re: Neutralizing TSLA in VTSAX?

I'm bearish about TSLA. I've been bearish for years (and I have been proven wrong, or at least premature in the past, I suppose), so I've never been totally comfortable with having exposure to it in my VTSAX. But then I would do the math and it was an insignificant percentage of the fund anyway, so...
by tdmp
Fri Sep 04, 2020 10:25 am
Forum: Personal Investments
Topic: Family member has one million in one stock , doesn't want to cash out
Replies: 261
Views: 28417

Re: My dad has 1 million in Tesla, I told him to cash out, he doesn't want too

I don't understand TSLA, and my two cents has always been Musk, as eccentric as he is, is why the company is doing so well. You put in a standard CEO, I think things would change for the worst as the stock gets valued more appropriately. But, Musk can say whatever he wants and has a legion of fanbo...
by tdmp
Wed Sep 02, 2020 3:55 pm
Forum: Investing - Theory, News & General
Topic: Ark Funds
Replies: 62
Views: 7135

Re: Ark Funds

Almost all the outperformance has occured after April 2020, probably mainly due to TSLA. Not sure that is entirely accurate regarding years prior to 2020, though TSLA has certainly helped this year. There was outperformance in ARKK in the years prior to 2020 too... ARKK,QQQ,VGT,VOO ARKK: TSLA is 9....
by tdmp
Wed Sep 02, 2020 3:46 pm
Forum: Personal Investments
Topic: Portfolio review: Currently feeling foolish for being a Boglehead. Help!
Replies: 53
Views: 5052

Re: Portfolio review: Currently feeling foolish for being a Boglehead. Help!

I am a long time Boglehead. But posting first time to seek portfolio advice Living in a tech hub, all my friends are investing in tech stocks like Apple, Zoom, Peloton, Salesforce etc. I am the odd one out investing in the 3 fund portfolio. They have gotten significantly better returns compared to ...
by tdmp
Wed Sep 02, 2020 2:47 pm
Forum: Investing - Theory, News & General
Topic: Ark Funds
Replies: 62
Views: 7135

Re: Ark Funds

They are probably gonna fall victim to the dreaded asset bloat. The hot hand attracts a boatload of new money, and the fund needs to deploy leading to future underperformance. I agree with this. I haven't heard of Ark Invest until about sometimes last year. Is Cathie Wood the next Peter Lynch? Mayb...
by tdmp
Sun Aug 30, 2020 11:36 am
Forum: Personal Investments
Topic: Dump Bonds -- buy AAPL & TSLA split?
Replies: 131
Views: 10561

Re: Dump Bonds -- buy AAPL & TSLA split?

I have a company pension that has a current value beyond the bond amount which will kick off at 65, in 17 years, thus my willingness to place a bet that these juggernauts keep rolling for the 17 year time period. if your asset allocation somehow changed, then maybe...why did you not do this when AA...
by tdmp
Wed Aug 26, 2020 4:11 pm
Forum: Investing - Theory, News & General
Topic: Bear Cub Smells Bubble
Replies: 406
Views: 30101

Re: Bear Cub Smells Bubble

Of course theres a bubble. Lots of money is made with bubbles. Keep riding the bubble or jump on now and then when it starts to pop, you jump right off. If tesla drops 10% tomorrow, I am dumping all tesla stock...I will not wait or ride it out. If VOO drops 10% tomorrow, I will ride it out, no good...
by tdmp
Mon Aug 24, 2020 10:40 am
Forum: Personal Finance (Not Investing)
Topic: New Job Offer - $100,000 Raise - Would I Be a Fool to Not Accept?
Replies: 94
Views: 8016

Re: New Job Offer - $100,000 Raise - Would I Be a Fool to Not Accept?

Thanks! New commute: walk from my bedroom to my home office; Old commute: an hour each way, three days per week. Impact to personal life: probably a bit more travel (quick travel for meetings); I'm GUESSING that it will almost certainly be more stressful (not because of any particular concern about...
by tdmp
Sun Aug 23, 2020 8:37 am
Forum: Personal Investments
Topic: Time to buy Tesla?
Replies: 61
Views: 8993

Re: Time to buy Tesla?

It has been an interesting 15 months for TSLA: back in May 2019 the valuation for TSLA went down to as low as $32.7 billion. Currently, it sits at $382 Billion. TSLA valuation is base on future growth, but not necessarily just vehicles. If it is just about selling cars, then there is no way it can s...
by tdmp
Wed Aug 12, 2020 12:21 pm
Forum: Investing - Theory, News & General
Topic: What is the big deal with RobinHood accounts???
Replies: 75
Views: 8177

Re: What is the big deal with RobinHood accounts???

it is a place where people YOLO especially with tech stocks ie. TSLA.
by tdmp
Tue Aug 11, 2020 8:14 pm
Forum: Personal Consumer Issues
Topic: Car safety after age 67 or so
Replies: 64
Views: 5082

Re: Car safety after age 67 or so

We have the funds to buy something in the 25-40K range for cash. Would like to do a hybrid if possible and, having ridden in a friend's Tesla this winter in Florida....well, that intrigues me. ETA: We have 2 grandchilren, ages 8 and 3; we sometimes need to haul 2 parents and 3 yo (they are urban dw...
by tdmp
Mon Aug 03, 2020 3:30 pm
Forum: Personal Consumer Issues
Topic: New Toyota Highlander, 2020 vs. 2021
Replies: 58
Views: 4032

Re: New Toyota Highlander, 2020 vs. 2021

So the only question is 2020 or 2021. One of the discriminators is the Driver Assist is improving in the 2021s, going from version 2.0 to version 2.5. Does anyone who knows about these things have a suggestion on the relative value of the 2.5 upgrade? I don't know how good the 2020 Driver assist is...
by tdmp
Mon Aug 03, 2020 8:45 am
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 165
Views: 9026

Re: What Car Maintenance Do You Do?

I have a Prius prime : -oil change every 12 to 15 months at dealership for ~$50. I trust the dealership -I DIY the following: engine air filter every 30k miles, cabin air filter every 10k miles, windshield wipers once a year or so. These are easy task I can do and get parts ordered pretty easy and c...
by tdmp
Thu Jul 30, 2020 12:09 pm
Forum: Personal Consumer Issues
Topic: Toyota RAV4 Gas vs Hybrid?
Replies: 64
Views: 3553

Re: Toyota RAV4 Gas vs Hybrid?

I recommend the hybrid. More power and uses less gas. To me, no brainer. However, this assumes you have the financial position to buy a new car. What did you mean more power? Did you mean more horsepower or more choice of power, electricity and gas? All of the above. Rav4 Prime. That's going to be ...
by tdmp
Sat Jul 25, 2020 4:02 pm
Forum: Personal Consumer Issues
Topic: wait for new toyota sienna?
Replies: 44
Views: 3413

Re: wait for new toyota sienna?

If you keep your cars for 6-10 years, which is very doable with most Toyotas, you will be replacing the hybrid battery for a couple thousand $, which will cut into that saved gas mileage a little. This is simply incorrect. There are Prius owners who have gone 200K+ miles without needing to replace ...
by tdmp
Wed Jul 22, 2020 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: When to self insure for things like cars? (prefer mathematical model)
Replies: 91
Views: 6871

Re: When to self insure for things like cars? (prefer mathematical model)

I don't know if folks like us have a mathematical model. Insurance companies probably do. That's why they make so much money. Personally, I drop comprehensive/collision insurance once the value of my vehicle goes below <$10K.
by tdmp
Tue Jul 21, 2020 9:42 am
Forum: Personal Consumer Issues
Topic: 24 Hour Drive Time w/ Two Young Kids: What Kind of Car
Replies: 101
Views: 5214

Re: 24 Hour Drive Time w/ Two Young Kids: What Kind of Car

Rent a minivan or suv. I don't want the miles on my car. I just rented a Ford Expedition for a 10 hour drive for a family vacation (rented a cabin in TN). Paid $610 and it was worth every penny. Stop at fun spots and let the kids play a little. I vote for renting an SUV. As far as minivan is concer...
by tdmp
Sat Mar 28, 2020 6:57 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197966

Re: Bogleheads community discussion - Coronavirus

Does anyone here still thinks this is "just the flu"? I am very afraid of Covid-19. I have never heard of so many middle age folks get placed on the ventilator. Does influenza do that? Sure, it does, but not at the same rate. A hospital near me has 1 ventilator left in their ICU. In the US...
by tdmp
Sat Mar 21, 2020 9:11 pm
Forum: Personal Investments
Topic: A thank you to the “pay down the mortgage” folks...
Replies: 31
Views: 3478

Re: A thank you to the “pay down the mortgage” folks...

I didn’t have to deal with the stress of trying to decide to let that pot ride through the downturn, or sell at a loss. This was the very reason I also paid off mortgage as soon as possible. However, I did max out 401K. This makes downturn a lot less stressful. Having invested through the 2008-2009...
by tdmp
Sun Mar 15, 2020 2:04 pm
Forum: Investing - Theory, News & General
Topic: Deploying your emergency fund to buy stocks? Think again.
Replies: 183
Views: 29858

Re: Deploying your emergency fund to buy stocks? Think again.

"Bulls make money, Bears make money, and Pigs get slaughtered". Yes, this is a terrible idea. Emergency fund is for emergency. Some of the people I work with said they might even buy on margins: also terrible idea.
by tdmp
Thu Mar 12, 2020 9:33 am
Forum: Personal Investments
Topic: How many people with 7 figure portfolios are”rejoicing ?”
Replies: 169
Views: 14603

Re: How many people with 7 figure portfolios are”rejoicing ?”

Not rejoicing. Not doing anything. Thinking about doing something, but doing nothing is doing something. This is when an allocation of 35/65 floats in the storm like Noah's Ark. Although, the animals are getting pretty upset from the turbulence. Don't just sit there. . . do nothing. j :happy Awesom...
by tdmp
Thu Mar 12, 2020 7:52 am
Forum: Personal Finance (Not Investing)
Topic: How much maintenence expense to ditch an older car?
Replies: 22
Views: 1222

Re: How much maintenence expense to ditch an older car?

My "rule of thumb" for my 19 year old vehicle is that if the repair expenses are more than one year of car payments, I will get a new vehicle. Over the years, my expenses have not met that criteria, some years there are no expenses other than an oil change, one year I needed a new AC comp...
by tdmp
Tue Mar 10, 2020 9:38 am
Forum: Personal Investments
Topic: Unsure what to do with my uninvested 401k contributions
Replies: 13
Views: 823

Re: Unsure what to do with my uninvested 401k contributions

I'm personally inclined to the second option because: 1) If it's going to be a recession, why enter now? We're certainly not yet at the bottom. 2) If it's going to be bull market again, missing one or two months sounds just fine? What would you recommend? I recommend you invest base on your IPS. 1)...
by tdmp
Mon Mar 09, 2020 10:25 am
Forum: Personal Investments
Topic: Good day to buy?!
Replies: 31
Views: 3638

Re: Good day to buy?!

Rebalance according to your IPS. This depends on what your asset allocation is. If you use the 5% band (and fix income is constant), it takes quite a bit of a drop before you get to the 5% band. Certainly fix income changes so you have to recalulate it accordingly. https://thefinancebuff.com/5-perce...
by tdmp
Sun Mar 08, 2020 10:22 pm
Forum: Personal Investments
Topic: Rethinking asset allocation
Replies: 8
Views: 684

Re: Rethinking asset allocation

I was actually thinking of moving 30k from stocks to bonds in taxable and moving 30K from bonds to stocks in retirement. So nothing changes all up / but if things go bad - I’ll have liquidity in taxable... In fact, before stocks went up 30% last year - I moved 30knfe binds to sticks accidentally in...
by tdmp
Sun Mar 08, 2020 8:50 am
Forum: Personal Consumer Issues
Topic: Talk me into or out of a new vehicle purchase
Replies: 30
Views: 2638

Re: Talk me into or out of a new vehicle purchase

You wrote: "The goal is to shorten the duration to achieving financial independence (25x of current living expenses" My opinion is base on the above statement. I don't know what vehicles you have right now. If they are mechanically sound, then I would wait out. I am not a math person; but ...
by tdmp
Sat Mar 07, 2020 11:55 am
Forum: Personal Investments
Topic: Help with AA
Replies: 8
Views: 748

Re: Help with AA

We are requesting help with asset allocation. We are in 40s, planning to work more for 20 -25 years. How about 70/30? You are going to handily win the game so no need to swing for the fence. When you get into your 50s, move toward and AA of 60/40. And move away from individual stock ownership and t...
by tdmp
Thu Mar 05, 2020 11:19 am
Forum: Personal Investments
Topic: Invested in 100% Stocks for 401k. Is it time to move those funds to more conservative fund?
Replies: 31
Views: 1507

Re: Invested in 100% Stocks for 401k. Is it time to move those funds to more conservative fund?

Unless your risk tolerance base on ability,need, and willingness to take risk have changed; and if so, then the question is why it has changed? ie. life changing events: job loss, divorce, illness, unexpected expense, etc...if those things are the reasons then certainly changing asset allocation wo...
by tdmp
Thu Mar 05, 2020 11:17 am
Forum: Personal Investments
Topic: Invested in 100% Stocks for 401k. Is it time to move those funds to more conservative fund?
Replies: 31
Views: 1507

Re: Invested in 100% Stocks for 401k. Is it time to move those funds to more conservative fund?

Unless your risk tolerance base on ability,need, and willingness to take risk have changed; and if so, then the question is why it has changed? ie. life changing events: job loss, divorce, illness, unexpected expense, etc...if those things are the reasons then certainly changing asset allocation wou...
by tdmp
Mon Mar 02, 2020 9:59 pm
Forum: Personal Investments
Topic: Another Timing Question
Replies: 3
Views: 309

Re: Another Timing Question

Statitically: better to lump sum it. I like statistics on my side. Vanguard looked into this: https://personal.vanguard.com/pdf/ISGDCA.pdf 100% equity: lump sum wins 67% of the time vs. 33% for DCA Saying all this, you lump sum it and market has downturn of 30% in next 2 months for whatever reason; ...
by tdmp
Sun Mar 01, 2020 12:10 am
Forum: Investing - Theory, News & General
Topic: [Why aren't forum members following the "Stay the course" approach?]
Replies: 372
Views: 26310

Re: [Why aren't forum members following the "Stay the course" approach?]

I am staying the course at 55/45. I think those that don’t stay the course really overestimated their risk tolerance. I believe setting appropriate asset allocation in accordance to one’s need, ability, and willingness to take risk is the MOST important aspect of investing. Everything else is just t...
by tdmp
Thu May 23, 2019 8:00 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite High-Yield Bond Funds?
Replies: 23
Views: 3216

Re: Your Favorite High-Yield Bond Funds?

High yield corporate: I kinda look at as a balance fund...Due to taxes, I would not hold it in taxable account. Instead of high yield corporate , I would do VTMFX. Both similar returns the last 10 years . Similar volatility. And since it is in taxable account, VTMFX will probably will have higher re...
by tdmp
Thu May 23, 2019 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage almost paid off
Replies: 31
Views: 3677

Re: Mortgage almost paid off

congratulations!
by tdmp
Tue May 21, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: Unsure of buying used car vs. keeping my current one
Replies: 10
Views: 697

Re: Unsure of buying used car vs. keeping my current one

If I were you, I will keep the corolla!! Your corolla will last another 120K miles easily if you keep up the maintenance. Cobalt is not a reliable car. Check rating from consumer reports! BTW, if you buy the 12 yrs old cobalt, you probably need to replace the tires, belts, change transmission fluid...
by tdmp
Tue May 21, 2019 10:39 am
Forum: Investing - Theory, News & General
Topic: Lies, Damned Lies, And Index Funds
Replies: 43
Views: 6284

Re: Lies, Damned Lies, And Index Funds

However, I think it is mathematically not possible for > 50% active funds to beat its respective index consistently. Actually, it is mathematically possible for more than half of active funds to beat the market. On average , active funds cannot beat the market, but it is mathematically possible for...
by tdmp
Mon May 20, 2019 9:11 pm
Forum: Personal Investments
Topic: VASIX or VWINX for emergency savings: crazy?
Replies: 26
Views: 4227

Re: VASIX or VWINX for emergency savings: crazy?

Not crazy ... but you can do: 20% prime money market/savings account and 80% VWINX or VTMFX (depending on ur tax situation)....
by tdmp
Mon May 20, 2019 8:16 pm
Forum: Investing - Theory, News & General
Topic: Lies, Damned Lies, And Index Funds
Replies: 43
Views: 6284

Re: Lies, Damned Lies, And Index Funds

but only if I thought the active folks were starting to beat the indexes consistently. Not possible. Active investing is a zero sum game... in order for an active fund to beat the market, another active fund must trail the market. The active funds, on average, will trail the market by their higher ...
by tdmp
Sat May 18, 2019 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Take Loan for house or not
Replies: 12
Views: 1311

Re: Take Loan for house or not

I don’t like Dave Ramsey investment advice bc he doesn’t recommend much index funds. But, I do like his recommendation of paying off mortgage. I assume you have a decent emergency fund.
by tdmp
Sat May 18, 2019 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Debt: Student loan or cabin
Replies: 36
Views: 3206

Re: Debt: Student loan or cabin

Note close. Pay student loan first . Mathematics don’t lie.
by tdmp
Thu May 16, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 98
Views: 11211

Re: Honda CRV or Toyota RAV4 ?

Long time Honda owner thinking about getting a new CRV. Was wondering how a RAV4 would compare especially on price and reliability. Your thoughts? Reliability, it's no contest for 3 reasons - RAV4 wins: 1. RAV4 engine is naturally aspired, vs CRV's turbo (which is causing major issues btw). Per Sco...