Search found 39 matches

by Boglelicious123
Fri Oct 09, 2020 12:25 pm
Forum: Personal Consumer Issues
Topic: Tesla maintenance cost?
Replies: 167
Views: 10104

Re: Tesla maintenance cost?

No, they’re not weirdos. This is certainly atypical though. It is 100% OK for people to like and dislike whatever they want, without justification. Stoptothink would be completely valid to say “I hear all the great things about Tesla, but I’m just not feeling it”. They went a step further though. T...
by Boglelicious123
Fri Oct 09, 2020 11:07 am
Forum: Personal Consumer Issues
Topic: Tesla maintenance cost?
Replies: 167
Views: 10104

Re: Tesla maintenance cost?

I don't know if we're weirdos Yes yes you are No, they’re not weirdos. This is certainly atypical though. It is 100% OK for people to like and dislike whatever they want, without justification. Stoptothink would be completely valid to say “I hear all the great things about Tesla, but I’m just not f...
by Boglelicious123
Thu Oct 08, 2020 9:30 am
Forum: Personal Consumer Issues
Topic: Tesla maintenance cost?
Replies: 167
Views: 10104

Re: Tesla maintenance cost?

I have driven a Tesla and they are a wonderful car. I just cant get over the range anxiety issue. I drive a Toyota Land Cruiser which if left idling while filling the tank would never fill up...LOL...I just cant pull the trigger based on if I want to get into the car and drive 500 miles I have to p...
by Boglelicious123
Wed Oct 07, 2020 10:42 pm
Forum: Personal Consumer Issues
Topic: Tesla maintenance cost?
Replies: 167
Views: 10104

Re: Tesla maintenance cost?

I have driven a Tesla and they are a wonderful car. I just cant get over the range anxiety issue. I drive a Toyota Land Cruiser which if left idling while filling the tank would never fill up...LOL...I just cant pull the trigger based on if I want to get into the car and drive 500 miles I have to p...
by Boglelicious123
Fri Oct 02, 2020 11:41 pm
Forum: Personal Investments
Topic: Should I be using money market funds instead of bonds?
Replies: 24
Views: 2190

Should I be using money market funds instead of bonds?

With the extremely low expected yield of bonds, what are Boglehead thoughts of investing in money market funds instead? I would have access to VMFXX (Vanguard Federal Money Market Fund Investor Shares). I am 35 years old and currently have 15% in bonds for what it's worth. I am not that familiar wit...
by Boglelicious123
Sun Sep 27, 2020 1:39 am
Forum: Personal Investments
Topic: starting out intelligently.
Replies: 140
Views: 3009

Re: VHT And VNQ

VHT (vanguard health care etf) or VNQ (vanguard real estate etf)? Vnq is really popular amongst posters or four fund portfolios - yet vht has 400 holdings which is higher than vnq, less expense ratio . Also MSCI rates vht at 5.94/10 while vnq at 4.31/10. Furthermore their performance over 10 years ...
by Boglelicious123
Sat Sep 26, 2020 9:33 am
Forum: Non-US Investing
Topic: I am looking for a crypto-broker! Where do you buy your bitcoin/etherum/etc?
Replies: 26
Views: 2629

Re: I am looking for a crypto-broker! Where do you buy your bitcoin/etherum/etc?

I am planning to invest small amounts of my monthly income in crypto for diversification. I know the topic is very debateable but I want to make sure I capture some gains if crypto goes up significantly. The other reason I want to own some crypto is that I see many younger people being interested i...
by Boglelicious123
Sat Sep 26, 2020 12:30 am
Forum: Personal Investments
Topic: Pay more on 2.49% car loan or invest in taxable?
Replies: 33
Views: 2576

Re: Pay more on 2.49% car loan or invest in taxable?

Thanks to everyone for the responses. I'm definitely leaning towards paying down the loan quicker instead of investing in taxable...I do think the 6 year timeline is just a little short to objectively say the market will provide better returns and it's been good to see everyone's thoughts on the mat...
by Boglelicious123
Thu Sep 24, 2020 12:24 am
Forum: Personal Investments
Topic: Pay more on 2.49% car loan or invest in taxable?
Replies: 33
Views: 2576

Pay more on 2.49% car loan or invest in taxable?

I have a 6 year car loan at 2.49%. I already have a good emergency fund and have maxed out my Roth & 401K. I feel comfortable overpaying my car loan by $250 each month...should I do that or invest that $ in a brokerage account? The other thread about overpaying their 2.75% mortgage is making me lean...
by Boglelicious123
Wed Sep 23, 2020 11:09 am
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 253
Views: 25174

Re: Tesla Model Y

I stand corrected. You can get a base model with rear wheel, lower range, and partial premium interior for around 37k + taxes. I’m assuming this is meant as being snarky? This is what base model means...it’s the same as what Honda/Toyota/etc do. The base model of any company car won’t have any of t...
by Boglelicious123
Wed Sep 23, 2020 9:51 am
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 253
Views: 25174

Re: Tesla Model Y

I stand corrected. You can get a base model with rear wheel, lower range, and partial premium interior for around 37k + taxes. I’m assuming this is meant as being snarky? This is what base model means...it’s the same as what Honda/Toyota/etc do. The base model of any company car won’t have any of t...
by Boglelicious123
Wed Sep 23, 2020 9:41 am
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 253
Views: 25174

Re: Tesla Model Y

I stand corrected. You can get a base model with rear wheel, lower range, and partial premium interior for around 37k + taxes. I’m assuming this is meant as being snarky? This is what base model means...it’s the same as what Honda/Toyota/etc do. The base model of any company car won’t have any of t...
by Boglelicious123
Tue Sep 22, 2020 9:22 pm
Forum: Personal Consumer Issues
Topic: Tesla battery day.
Replies: 69
Views: 5816

Re: Tesla battery day.

Say what you want about Musk and his presentations, but when he says something is being worked on it generally happens. Have to respect that
by Boglelicious123
Sun Sep 20, 2020 8:21 pm
Forum: Personal Consumer Issues
Topic: Preparing for a Long Distance Move - questions
Replies: 22
Views: 1526

Re: Preparing for a Long Distance Move - questions

If you're renting something to drive anyway and you want to save money and be in control of your things, you can rent a U-Haul truck (several sizes to choose from and they are not hard to drive), AND, U-Haul offers a long list of recommended movers, meaning the labor to load and unload the truck on...
by Boglelicious123
Thu Sep 17, 2020 5:18 pm
Forum: Personal Consumer Issues
Topic: charging an EV
Replies: 250
Views: 15283

Re: charging an EV

:oops: This is getting hilarious. Great entertainment. It's nauseating at times, reading this stuff. Agree. Math works. Take a Model 3, base of $40,000. Take an Accord, base of $25,000. Now, do the math. This is a lifestyle choice and the EV crowd is rationalizing a lifestyle choice. The lack of se...
by Boglelicious123
Wed Sep 16, 2020 9:40 pm
Forum: Personal Consumer Issues
Topic: Solar - after 1 year the results are in.
Replies: 64
Views: 6840

Re: Solar - after 1 year the results are in.

My breakeven (residential in DC) is about 3 years but that is largely due to SRECs. They constitute 75% of the benefit for me. We haven't been through a full year yet but are on track for a roughly 30% return per year on our investment. Forgive my ignorance here, but I just looked up what SREC mean...
by Boglelicious123
Wed Sep 16, 2020 11:23 am
Forum: Personal Consumer Issues
Topic: charging an EV
Replies: 250
Views: 15283

Re: charging an EV

:oops: This is getting hilarious. Great entertainment. It's nauseating at times, reading this stuff. Agree. Math works. Take a Model 3, base of $40,000. Take an Accord, base of $25,000. Now, do the math. This is a lifestyle choice and the EV crowd is rationalizing a lifestyle choice. The lack of se...
by Boglelicious123
Tue Sep 15, 2020 7:45 pm
Forum: Personal Consumer Issues
Topic: charging an EV
Replies: 250
Views: 15283

Re: charging an EV

With in-home charging you don’t have to worry about range. Your car wakes up to a “full” tank every morning! Not to mention there are tons of charging stations around town all over the U.S. if you ever needed a quick charge (which you won’t during any typical day). If you are curious download the P...
by Boglelicious123
Tue Sep 15, 2020 2:07 pm
Forum: Personal Consumer Issues
Topic: charging an EV
Replies: 250
Views: 15283

Re: charging an EV

If you are a two car household, making one an EV is a great approach. We're only a one car household right now, but we may need a second vehicle next year. If we do, I'll look hard at an EV, maybe a Nissan Leaf. A 60-70 mile range would be great for most of our vehicle needs. If you are looking at ...
by Boglelicious123
Tue Sep 15, 2020 12:06 am
Forum: Personal Consumer Issues
Topic: charging an EV
Replies: 250
Views: 15283

Re: charging an EV

One big downside with an EV right now is this, if you run out of juice, you’re just stuck. You can’t walk up the highway and get more to put in it. You’re gonna need to be towed to a charger..... I'm not likely to ever buy an EV and certainly never a hybrid but I read somewhere recently that Telsla...
by Boglelicious123
Mon Sep 14, 2020 11:59 pm
Forum: Personal Consumer Issues
Topic: charging an EV
Replies: 250
Views: 15283

Re: charging an EV

One big downside with an EV right now is this, if you run out of juice, you’re just stuck. You can’t walk up the highway and get more to put in it. You’re gonna need to be towed to a charger..... I'm not likely to ever buy an EV and certainly never a hybrid but I read somewhere recently that Telsla...
by Boglelicious123
Sun Jul 26, 2020 9:18 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a large beach rental in Florida
Replies: 8
Views: 816

Re: Recommendations for a large beach rental in Florida

A search on VRBO & AirBnB should give you all the info you need. As others have mentioned, double check the cancellation policy and narrow down your options from “Florida” to specific places in Florida
by Boglelicious123
Sat Jun 06, 2020 4:51 pm
Forum: Personal Consumer Issues
Topic: Instacart Question
Replies: 27
Views: 2136

Re: Instacart Question

<snip> The best thing you can do for a shopper that has done a good job is to leave a good tip (which it sounds like you already do) and leave a 5 star review. During this COVID era Instacart doesn’t do priority batches for shoppers receiving good reviews, but the thought is eventually they will go...
by Boglelicious123
Sat Jun 06, 2020 3:34 pm
Forum: Personal Consumer Issues
Topic: Instacart Question
Replies: 27
Views: 2136

Re: Instacart Question

Does the app ever tell you when an item is found? I’m not really sure of that since I’ve only done the shopping and not the buying. I haven’t used the app, but the website does. During shopping the customer can see which items have already been found, not found yet, or refunded. Sometimes an item w...
by Boglelicious123
Sat Jun 06, 2020 12:31 am
Forum: Personal Consumer Issues
Topic: Instacart Question
Replies: 27
Views: 2136

Re: Instacart Question

Hello, Instacart shopper here...I’ve done it as a side gig for a little over a month now. You are correct when you say an item is missing the shopper isn’t hurt financially. It will show up on the shopper’s record, however, that an item was reported missing. Too many of those and the shopper gets de...
by Boglelicious123
Wed Mar 25, 2020 4:13 pm
Forum: Personal Investments
Topic: What happens when I go back to normal AA?
Replies: 10
Views: 633

Re: What happens when I go back to normal AA?

One sentiment is the market can go down further and stay down longer than you think. Keep a floor of fixed income and don't go below it. In theory, you could sell all your bonds and buy stocks and stocks can keep dropping. There will be some IPS (Investment Policy Statement) adjustments after this ...
by Boglelicious123
Wed Mar 25, 2020 3:25 pm
Forum: Personal Investments
Topic: What happens when I go back to normal AA?
Replies: 10
Views: 633

Re: What happens when I go back to normal AA?

If I buy 10 shares at $10 per share that is $100 invested. If after a year the shares have risen to $20 my balance is now $200. I can sell the shares and buy them back immediately. Assuming the price hasn't changed in the few seconds it take to sell and buy back, I still have 10 shares at $20 per p...
by Boglelicious123
Wed Mar 25, 2020 2:19 pm
Forum: Personal Investments
Topic: What happens when I go back to normal AA?
Replies: 10
Views: 633

Re: What happens when I go back to normal AA?

You will only sell enough equities and buy enough bonds to adjust your assest allocation. Your next question is misguided. If you sell everything and immediately buy back everything you had there are no consequences for long term returns. You will still have the same number of shares and total valu...
by Boglelicious123
Wed Mar 25, 2020 2:15 pm
Forum: Personal Investments
Topic: What happens when I go back to normal AA?
Replies: 10
Views: 633

Re: What happens when I go back to normal AA?

Thanks for your responses and input! Why did you change you AA? I changed my AA once we hit 30% down off highs because that was my plan for down markets. In this way I should be able to increase my gains as the market rises over time (until it gets back to its previous highs at which point I will go...
by Boglelicious123
Wed Mar 25, 2020 12:23 pm
Forum: Personal Investments
Topic: What happens when I go back to normal AA?
Replies: 10
Views: 633

What happens when I go back to normal AA?

In my 403B with TIAA I have moved from my 80%/20% AA to 95%/5% (stocks/bonds). My aim is to switch back to 80%/20% when the market reaches its previous all-time highs (whenever that may be). When I switch my percentages back to 80%/20% will TIAA sell all my investments, then re-purchase everything a...
by Boglelicious123
Tue Mar 17, 2020 11:29 am
Forum: Personal Investments
Topic: How/When to get back to normal AA?
Replies: 3
Views: 177

Re: How/When to get back to normal AA?

If we drop 40% and you go 100% stocks, you can stay 100% stocks until the market reaches its previous peak, then take 20% of whatever your portfolio is at the time and exchange it back to bonds in one lump sum. If this is in a taxable account, there will be tax ramifications of doing it this way. O...
by Boglelicious123
Tue Mar 17, 2020 11:20 am
Forum: Personal Investments
Topic: How/When to get back to normal AA?
Replies: 3
Views: 177

How/When to get back to normal AA?

I have a question since I have never been invested in a market like the current one (I am 33 years old). My asset allocation is normally 80% stocks, 20% bonds. My firm plan as the market dips is for every 10% dip, take 5% of the bonds and invest it into stocks. If the market dips 40% I will be 100% ...
by Boglelicious123
Thu Aug 22, 2019 12:01 am
Forum: Personal Consumer Issues
Topic: First time traveling to Seattle this weekend. Advice?
Replies: 35
Views: 2267

Re: First time traveling to Seattle this weekend. Advice?

I took a long weekend to Seattle last summer. The highlight of my trip was the Starbucks Reserve Roastery. If you drink coffee at all you will love spending a couple hours in this place. They roast specialty beans, have one-of-a-kind drinks, have multiple awesome coffee bars, and have some neat memo...
by Boglelicious123
Fri Jun 14, 2019 3:32 pm
Forum: Personal Investments
Topic: Roth IRA or no?
Replies: 18
Views: 1908

Re: Contribute to Roth or 403B?

If I only have the option to choose to start a Roth IRA or max out my already started 403b, which one should I choose with long-term compounding interest in mind? Every investor can benefit from having pre-tax and after-tax (such as Roth) investments. After meeting the match in your 403b, it is per...
by Boglelicious123
Fri Jun 14, 2019 8:44 am
Forum: Personal Investments
Topic: Roth IRA or no?
Replies: 18
Views: 1908

Contribute to Roth or 403B?

I’m in my early 30’s and am currently contributing enough in my 403b to get the company match. I currently have around 90K in my 403b account. The options are decent (around .15% expense ratio, but no emerging market options). If I only have the option to choose to start a Roth IRA or max out my alr...
by Boglelicious123
Wed Jun 12, 2019 9:49 pm
Forum: Personal Investments
Topic: Roth IRA or no?
Replies: 18
Views: 1908

Re: Roth IRA or no?

Thanks to everyone who has posted...I’ll definitely take a look at the wiki over the next couple days to get comfortable with the best way to proceed. With back-door Roth contributions as a back-up option, looks like a Roth is probably the way to go for me at this point. In general, you should figur...
by Boglelicious123
Wed Jun 12, 2019 6:58 pm
Forum: Personal Investments
Topic: Roth IRA or no?
Replies: 18
Views: 1908

Re: Roth IRA or no?

What happens if I open a roth IRA now, contribute for a few years, then we do happen to go over max allowable married filed jointly income mandated by the government? Would I then have to transfer the roth into a traditional IRA? No, you can keep the Roth and everything in it. You would simply be u...
by Boglelicious123
Wed Jun 12, 2019 6:32 pm
Forum: Personal Investments
Topic: Roth IRA or no?
Replies: 18
Views: 1908

Roth IRA or no?

Through some words of wisdom from others on this forum I am going to open up an IRA account (either a roth or traditional). I am currently putting the max towards my 403b and would like to be able to invest some excess somewhere else. I currently have a taxable account, but now realize that's probab...
by Boglelicious123
Tue Jun 11, 2019 9:57 pm
Forum: Personal Investments
Topic: Triple Levered Retirement Accounts?
Replies: 9
Views: 1314

Triple Levered Retirement Accounts?

Hello all. Really have learned a lot from all of you as I’ve been checking out this forum for awhile and this is my 1st post. Here is my situation: I have low cost index funds in my 401K and my wife does as well. In our taxable account, I feel like I should change the “rules” a bit and focus on fact...