Search found 95 matches

by tdmp
Sat Apr 10, 2021 5:35 pm
Forum: Personal Consumer Issues
Topic: What EV to buy for 20k-25k?
Replies: 63
Views: 5457

Re: What EV to buy for 20k-25k?

I think plugging it in to a wall outlet would probably be fine for your use case. I leased a 2020 Leave SV with tech/all weather. I'm paying $37 a month for a 24 month lease and out the door was $1500, which included the licensing/registration for two years/and acquisition fee. There are excellent ...
by tdmp
Sat Apr 10, 2021 10:35 am
Forum: Personal Investments
Topic: Deciding it it's worth it to buy long-term individual stocks
Replies: 57
Views: 5299

Re: Deciding it it's worth it to buy long-term individual stocks

I buy individual stocks as an alternative to going to Disney World, Las Vegas, or going out to movies. It's more in the realm of "entertainment" than investing. If they do well, so much the better. If not, well, it was entertaining. :oops: I have never thought it that way. Maybe, I will t...
by tdmp
Sat Apr 10, 2021 10:23 am
Forum: Personal Investments
Topic: AA - Too conservative?
Replies: 27
Views: 2682

Re: AA - Too conservative?

After reading All about asset allocation by Richard Ferri 6 years ago I decided to set my asset allocation to 70% stocks and 30% bonds. I can’t recall exactly how I landed on this and now I’m questioning it. I’m currently 36 married with kids and have about $1m in retirement savings. With the run u...
by tdmp
Wed Apr 07, 2021 2:21 pm
Forum: Personal Consumer Issues
Topic: The best $10,000 to $15,000 vehicle.
Replies: 42
Views: 3282

Re: The best $10,000 to $15,000 vehicle.

BRAND NEW PRIUS PRIME!!! I don’t drive expensive vehicles. I purchase used vehicles with low mileage and then drive them for at least 10 years. What are some good options for reliability and great gas mileage that you like? If you're in the right area for $5k Toyota rebates/cash on a Prius Prime, y...
by tdmp
Tue Apr 06, 2021 4:27 pm
Forum: Personal Consumer Issues
Topic: Family car
Replies: 86
Views: 6683

Re: Family car

mattsm wrote: Mon Mar 29, 2021 9:31 pm Got a loaded #1 ( Chrysler Pacifica Hybrid Limited ) for $33k OTD after the federal tax rebate. So far only gone a few miles on gas. Like it so far.
Oh wow that's cheap. very boglehead-ish!!
by tdmp
Thu Mar 04, 2021 8:13 am
Forum: Investing - Theory, News & General
Topic: ARK investment
Replies: 267
Views: 24730

Re: ARK investment

JonnyDVM wrote: Thu Mar 04, 2021 7:19 am Note to self. When threads about a fund family start regularly appearing on this homepage it’s time to dump.
yes, very true
by tdmp
Sat Feb 27, 2021 4:50 pm
Forum: Investing - Theory, News & General
Topic: Ben Felix - Chasing Top Fund Managers [ARK] - 2/27/2021
Replies: 10
Views: 1176

Re: Ben Felix - Chasing Top Fund Managers [ARK] - 2/27/2021

I know ARK is just one of the high flying fund when a friend of mine asked me a few months ago if I knew Cathie Wood. He couldn't tell me the difference between active vs. index funds, tell what P/E ratio is, etc. I told him yes I do for the last 1 year or so. So he asked if he should invest in one...
by tdmp
Sat Feb 27, 2021 3:45 pm
Forum: Investing - Theory, News & General
Topic: Ben Felix - Chasing Top Fund Managers [ARK] - 2/27/2021
Replies: 10
Views: 1176

Re: Ben Felix - Chasing Top Fund Managers [ARK] - 2/27/2021

I know ARK is just one of the high flying fund when a friend of mine asked me a few months ago if I knew Cathie Wood. He couldn't tell me the difference between active vs. index funds, tell what P/E ratio is, etc. I told him yes I do for the last 1 year or so. So he asked if he should invest in one ...
by tdmp
Sat Feb 20, 2021 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Advice: Car... to buy or not..
Replies: 17
Views: 1491

Re: Advice: Car... to buy or not..

Hello All, Need your advice. I have a family of 4 (couple (40 yr olds)+2 kids- 14 yr;8 yr; single earner;120K gross annual;North Texas) I never had credit debt, saved a 6mo emergency funds, max out on my 401K and two Roths (spousal and self) and probably have another $800-1000 per month surplus tha...
by tdmp
Thu Feb 11, 2021 8:09 pm
Forum: Personal Consumer Issues
Topic: Can I buy a new tesla?
Replies: 116
Views: 7134

Re: Can I buy a new tesla?

reliable $350-400K income per year: get whatever car you want (<$150K) IF it makes you happy. sometimes you have to YOLO. but if you get it to keep up with the Joneses, then don't: only you know that.
by tdmp
Sun Feb 07, 2021 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Give electric wheelchair to veteran---liability
Replies: 39
Views: 3115

Re: Give electric wheelchair to veteran---liability

I am not a lawyer. my opinion only: if you even think about liability, you shouldn't do it. life goes on. unfortunately, in our society, it only takes a split-second event to turn into a lawsuit. At work: I NEVER take my co-worker in my car. NEVER EVER. I was asked why? I say: if i get into an accid...
by tdmp
Fri Jan 29, 2021 12:38 am
Forum: Investing - Theory, News & General
Topic: Is there any doubt now that we are in a bubble?
Replies: 61
Views: 4816

Re: Is there any doubt now that we are in a bubble?

Given recent events I don't think there can be any doubt any more that we are in a bubble. Every forum I visit (save this one) is absolutely euphoric with greed. Any mention that there might be risk is immediately met with derision and whatever form of negative points that forum can give. Among the...
by tdmp
Fri Jan 22, 2021 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Recommending Dave Ramsey?
Replies: 63
Views: 4649

Re: Alternatives to Recommending Dave Ramsey?

I like Dave Ramsey pay off debt and no new debt advice. I even like some of his investment advice as far as fund category choices: Growth and Income, Growth, Aggresive Growth, and International. I just don't like the loaded funds and high ER funds that comes with the financial advisors. So basically...
by tdmp
Fri Jan 22, 2021 12:52 am
Forum: Investing - Theory, News & General
Topic: Signs of Bubble logic - greed overcoming fear
Replies: 212
Views: 19104

Re: Signs of Bubble logic - greed overcoming fear

ARK has pulled in more new money so far in this very short year than all others but Vanguard. Yes, more than Blackrock and State Street. That’s incredible. And it surely is another sign of a bubble inflating in disruptive tech companies. :shock: https://i.imgur.com/VUfdFSY.png https://twitter.com/E...
by tdmp
Thu Jan 21, 2021 10:45 pm
Forum: Personal Investments
Topic: Undervalued Stock Picks
Replies: 33
Views: 3874

Re: Undervalued Stock Picks

You're on the wrong forum. You're looking for /r/wsb if you want to YOLO or gamble. /r/wsb answer is GME. Which if you can skip past all their stupid comments and just read the reasonable ones, there is a pretty compelling argument to GME being undervalued even after the run up recently. or listen ...
by tdmp
Sat Jan 16, 2021 3:32 pm
Forum: Personal Consumer Issues
Topic: Old Apple iPhone - Worth Replacing Battery?
Replies: 33
Views: 2046

Re: Old Apple iPhone - Worth Replacing Battery?

yes. i would replace the batter. the risk is low ie. only $50. However, if you want a new phone b/c of better features, etc..then don't replace the battery.
by tdmp
Fri Jan 15, 2021 11:41 pm
Forum: Personal Investments
Topic: Tesla Stock. Need Help? Update
Replies: 59
Views: 5573

Re: Tesla Stock. Need Help? Update

Interesting that no one here has mentioned Tesla's management or future plans. 1). The model Y is likely to be have enough demand that the Shanghai Giga can run at full capacity. 2). The model 3 and Y are top sellers in the US 3). Models X and S likely are getting refreshed as Tesla gave the go to ...
by tdmp
Fri Jan 15, 2021 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Options for healthcare during FIRE (but before 65)?
Replies: 141
Views: 10585

Re: Options for healthcare during FIRE (but before 65)?

Find a state job which has retiree healthcare as part of benefits + allows early retirement. Enjoy said healthcare. My state allows retiree healthcare to start at 58. It does take 15 years to vest..... Now, 58 is not really early - but atleast it bridges the gap from 58 - 65 and that's not insignif...
by tdmp
Tue Jan 12, 2021 11:57 pm
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 470
Views: 39321

Re: What kind of car do Bogleheads like to drive?

Would Tesla 3 be the new Boglehead car due to cost savings on gas? Has anyone done a comprehensive cost analysis of holding a Tesla 3 (or similar) to a Toyota Camry for 7 years? lol it's never about savings when you buy a Tesla. The most barebone (no options added) started at 38k pre-tax & fee....
by tdmp
Tue Jan 12, 2021 11:47 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 930
Views: 84768

Re: Talk me out of buying a Tesla Model 3

OP here. Thought I'd post another update. It's been ~26 months since I bought my Model 3. Miles have been accumulating more slowly over the past year due to the pandemic but I do get the car out on the road on occasion. Some points worth mentioning: The rear tires wear out more quickly than the fro...
by tdmp
Tue Jan 12, 2021 11:35 pm
Forum: Personal Consumer Issues
Topic: What is so special about the Toyota Tacoma?
Replies: 97
Views: 10499

Re: What is so special about the Toyota Tacoma?

real and perceived reliability, not the same but closely associated with Toyota Hilux: "Killing a Toyota" (probably should've been titled "can't kill a toyota"). when you can drown a truck for hours in water and still starts: just kinda' hard to beat. due to chicken tax: hilux ar...
by tdmp
Sun Jan 10, 2021 1:42 pm
Forum: Personal Consumer Issues
Topic: Tesla [car] purchase any significant downside?
Replies: 150
Views: 9759

Re: Tesla [car] purchase any significant downside?

I don’t own a Tesla. Don’t BH say it is better to invest then spend on expensive toys? I kind of followed that mantra. But I deviated a bit from the 3 fund and bought 100 shares Tesla in September soon after the split. I now have enough profits to take those profits and buy a Tesla. So the downside...
by tdmp
Sun Jan 10, 2021 1:29 pm
Forum: Personal Consumer Issues
Topic: Tesla [car] purchase any significant downside?
Replies: 150
Views: 9759

Re: Tesla [car] purchase any significant downside?

I don't own one. But some that do. Anecdotes: 1) Tires: I think this was already mentioned...I think it is not just Tesla, but Electric cars in general. I own a prius prime and had to change tires at about 30K miles https://solarchargeddriving.com/2018/08/26/premature-tire-wear-appears-to-be-biggest...
by tdmp
Sat Jan 09, 2021 11:31 am
Forum: Personal Consumer Issues
Topic: Vehicle quality (the real data, not anecdotes)
Replies: 139
Views: 9224

Re: Vehicle quality (the real data, not anecdotes)

Disclaimer: I have owned just Honda and Toyota all my life: They have all been reliable: passed down the generations type reliable. However, I don't think I will buy a Honda again b/c I think Toyota is better (my opinion). I currently drive a Prius Prime: Not exciting, but reliable. I know those are...
by tdmp
Sun Jan 03, 2021 10:18 pm
Forum: Personal Consumer Issues
Topic: Any multimillionaire's (more than 2mm) out there still mow their own lawn?
Replies: 341
Views: 25971

Re: Any multimillionaire's (more than 2mm) out there still mow their own lawn?

Not $2 million club. But I would still mow my own lawn (push mower) even if I were at that level. It gives me the physical activity that I need. Keeps me in shape. The day I mow my lawn: it replaces my biking/jogging/walking/aerobics for that day.
by tdmp
Sat Jan 02, 2021 1:19 pm
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 470
Views: 39321

Re: What kind of car do Bogleheads like to drive?

Better half has a 2015 Rav4 with less than 22,000 km (13,000 miles) on it ...bought used last summer. I drive a 2016 Venza with 65,000 km (39,000 miles) that I bought used 2 years ago. I don't think we will be needing to buy another vehicle for quite a few years ....really don't like the newer tech...
by tdmp
Sat Dec 26, 2020 11:59 am
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 470
Views: 39321

Re: What kind of car do Bogleheads like to drive?

2017 Toyota Prius Prime: low cost (after all discounts and federal/state rebate), low maintenance, safe enough, and reliable. Rarely visit gas station: just plug in once a day Easy to maintain: DIY: cabin air filter, engine air filter, windshield wipers. Oil Change once a year Boring like most bogle...
by tdmp
Sat Dec 19, 2020 9:16 pm
Forum: Personal Consumer Issues
Topic: Toyota 2021 Venza?
Replies: 41
Views: 3512

Re: Toyota 2021 Venza?

You might want to test drive Venza, RAV4-hybrid, RAV4-Prime, Model Y, Honda CR-V, Mazda CX-5, and upcoming VW ID4, If you do long distance all the time, you might want to know how good the ride quality is. Also, you might want to know how good the lane centering assist is compared to the Model Y aut...
by tdmp
Sat Dec 19, 2020 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with "extra" $50/ month?
Replies: 30
Views: 2509

Re: What to do with "extra" $50/ month?

add onto VTSAX (taxable account).
by tdmp
Sat Dec 19, 2020 4:54 pm
Forum: Investing - Theory, News & General
Topic: Considering Investing in Value Only - Thoughts
Replies: 115
Views: 7470

Re: Considering Investing in Value Only - Thoughts

Noone knows anything. Just stick with VTSAX. Can't go wrong with it (well unless you panic and sell on downturn....many sold during the march 2020 downturn).
by tdmp
Sat Dec 19, 2020 1:45 pm
Forum: Personal Investments
Topic: Please help choose fund: DODGX, TRSGX or APHSX
Replies: 7
Views: 424

Re: Please help choose fund: DODGX, TRSGX or APHSX

I can move into the existing ones I already contribute if the above 3 mentioned are not a good fit. BTW, I max out (incl 6k over 50k) and contribute 25% to each of these funds. Please help. I need to make decision by Jan 18, 2021. Thank You!! Maybe I'm not understanding, but why not move all the VI...
by tdmp
Fri Dec 18, 2020 11:04 pm
Forum: Personal Investments
Topic: Portfolio Review: 26 y/o pivoting to med school from software
Replies: 49
Views: 3252

Re: Portfolio Review: 26 y/o pivoting to med school from software

Hey, you're 26, if you can't change your mind about a career who can? He certainly does have time, and I know of at least one 50-year old whom has gone to medical school. Though, if he goes down this route, effectively his prime earning years in SWE will be shot. 26 now, does his science creds at 2...
by tdmp
Sat Dec 05, 2020 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Commuting after COVID
Replies: 133
Views: 8286

Re: Commuting after COVID

I have been working from home ever since the pandemic began. It’s been going pretty well for me. One thing that I have been reflecting on: I used to have a very, very long commute. What’s it going to be like to resume that? I feel like I’ve given up a part-time job by not having to make the trek. H...
by tdmp
Thu Dec 03, 2020 11:15 pm
Forum: Personal Investments
Topic: Short Tesla?
Replies: 93
Views: 6657

Re: Short Tesla?

Why short Tesla? Tesla is expected to make $5B+/yr profit in 2022 which gives it a 100x P/E. I know 100x P/E is expensive but there are many companies that are in a similar P/E range or even more expensive. For example, Zoom (ZM) is at 150x forward P/E, Amazon (AMZN) is at 90x forward P/E, Pinteres...
by tdmp
Sat Oct 24, 2020 10:28 am
Forum: Investing - Theory, News & General
Topic: Anybody here trying Coast FIRE?
Replies: 326
Views: 30379

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: 1522

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: 7739

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: 2384

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: 93
Views: 8316

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: 2120

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: 7891

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: 7891

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: 10794

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: 305
Views: 38177

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: 2036

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: 305
Views: 38177

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: 158
Views: 23897

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: 5190

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: 158
Views: 23897

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...