Search found 2347 matches

by Leif
Sat May 26, 2018 11:39 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on Paul Merriman's Portfolio
Replies: 54
Views: 17455

Re: Thoughts on Paul Merriman's Portfolio

What is DFA exactly? (What do you mean by I had access to DFA funds?) Can I not device an All-value portfolio using Vanguard funds (mutual fund or ETF)? All I need to find is the corresponding funds for US LCV, US SCV, International LCV, and International SCV, and EM. DFA stands for Dimensional Fun...
by Leif
Sat May 26, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: The "4% withdrawal rate"- would it apply to someone "retiring" in their 70s?
Replies: 43
Views: 2640

Re: The "4% withdrawl rate" - would it apply to someone "retiring" in their 70s?

At 75 or so the MRD would be 4.37%, which is very conservative. Life expectancy is an important factor to consider. If you estimate 90 as a joint life that gives another 15 years. Based on the Coach Potato book 15 years can support 7.9%/year. Vanguard estimates with 15 years and an 85% chance of suc...
by Leif
Fri May 25, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 51
Views: 3460

Re: Tesla Autopilot, worth it?

Wow, that would be a disaster if you attempted to "park" in that situation. Sure, but who would do that??? I've seen this a number of times, and I just chuckle. Kevin To answer your rhetorical question, no one. But it does not fill me with confidence that it suggests it can park between cars that p...
by Leif
Fri May 25, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on Paul Merriman's Portfolio
Replies: 54
Views: 17455

Re: Thoughts on Paul Merriman's Portfolio

TL;DR: I think Merriman's portfolio is too complicated and has too many moving parts. This is what I learned from TrevH famous thread. I ended up with a bit different, however. TSM, SV, REIT, ISV, EMV, and EAFE. This is because I had access to DFA funds for the SV, ISV, and EMV. Simple is good, but...
by Leif
Thu May 24, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75748

Re: To take or not to take delivery of Tesla 3

But for record just pulled trigger on one of my two Model 3 reservations, took all options including enhanced auto pilot but without the full self driving option, delivery estimated 6 weeks. Congratulations! It is an impressive car. Probably in a few more years I will buy another Tesla replacing ou...
by Leif
Wed May 23, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: How do I tell if Roth conversions are worth the trouble?
Replies: 76
Views: 5591

Re: How do I tell if Roth conversions are worth the trouble?

I don't know why people seem it's essential to stay in the same bracket and not go a few per cent higher. I believe strongly that we are now at tax rates that are the lowest any of us will ever see. I would convert it all to Roths no matter what the bracket, and I am doing that. "a few per cent hig...
by Leif
Wed May 23, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 51
Views: 3460

Re: Tesla Autopilot, worth it?

Autopilot will also provide automated parallel parking in some conditions. That's a novelty but it's fun to press a couple buttons and watch the car park itself. Have you tried it? I rarely parallel park, but I would like to try it some time. Have you ever experienced a case when the "P" lights up,...
by Leif
Tue May 22, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: How do I tell if Roth conversions are worth the trouble?
Replies: 76
Views: 5591

Re: How do I tell if Roth conversions are worth the trouble?

The answer depends on many details and your expectation for tax rates in the future. I'm just starting my Roth conversions. I plan to do conversions until 70. The downside for me is paying more taxes, both in higher tax rates and medicare rates, then if I did not convert. The upside is I expect to h...
by Leif
Mon May 21, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 51
Views: 3460

Re: Tesla Autopilot, worth it?

I have a Tesla Model S with enhanced autopilot (EAP) and full self drive (FSD). This is sometimes called Autopilot 2.0. I think the EAP is too expensive for what you get. I do use it, particular on trips. However, the best part is the traffic aware cruise control(TACC), as Tesla calls it. Others cal...
by Leif
Mon May 21, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75748

Re: To take or not to take delivery of Tesla 3

Exactly, but highly unlikely since full tax credit will likely be gone by Dec 31 (at the latest) or Sep 30 (at the earliest). Just depends how well Tesla can continue to deliver to Canada and delay US deliveries at the end of June. I don't think timing it for the 3rd quarter should be problem. It i...
by Leif
Mon May 21, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75748

Re: To take or not to take delivery of Tesla 3

For those waiting for the $35,000 standard battery M3 it is looking like 2019 as I predicted. Tesla CEO Elon Musk ties base Model 3 availability to company profitability In a discussion on Twitter over the newly-announced dual motor and performance Model 3 options, Tesla CEO Elon Musk stated that th...
by Leif
Sat May 12, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75748

Re: To take or not to take delivery of Tesla 3

My gut says that they will start building the AWD and Short Range at the same time. My assumption is that if the Short Range decreases per unit margins, it will be balanced by increased margins on the AWD, such that they continue to manage blended margins. That's my gut, but I haven't really studie...
by Leif
Sat May 12, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75748

Re: To take or not to take delivery of Tesla 3

I am OP here and still agonizing over the decision. I just got the quote to install home charger. It is over $2K! Seems really high. I paid $400. However, my charger is just inside the garage from the meter, so installation was relatively simple. I'm using my Tesla provided mobile charger (called U...
by Leif
Fri May 11, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4359

Re: Anyone buy carbon offsets when flying?

No. But I am concerned with the rapid CO2 increase. I bought an EV and use that for most trips instead of flying or using a gasoline powered car.
by Leif
Tue May 08, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One now at 1.60 [Money Market Rate To 1.60% APY]
Replies: 40
Views: 3161

Re: Capital One now at 1.60 [Money Market Rate To 1.60% APY]

If I keep money in that acct for say 3 months, then withdraw and close the account, do you know if this affects your credit scores at all? I cannot say for sure, but I don't think so. I recall it was discussed at one point. No late pay or reduced credit line is involved. Some may just think it is n...
by Leif
Tue May 08, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Capital One now at 1.60 [Money Market Rate To 1.60% APY]
Replies: 40
Views: 3161

Re: Capital One now at 1.60 [Money Market Rate To 1.60% APY]

WanderingDoc wrote:
Mon May 07, 2018 10:56 pm
The returns on these accounts are taxed, is that correct? So a 1.6% APY would be a 1.2% post tax yield, or so.
Yes, depending on your bracket. But if you are willing to move around your money to pick up some extra coin then don't forget the bonus of up to $500.
by Leif
Mon May 07, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One now at 1.60 [Money Market Rate To 1.60% APY]
Replies: 40
Views: 3161

Re: Capital One now at 1.60 [Money Market Rate To 1.60% APY]

I saw an ad for 1.6% with a bonus of $500 with the deposit of $100,000 and maintained for 3 months. That is 2.1% interest and bonus if held for a year. If held for 3 months that would be $400+$500 = $900 or a rate of 3.6% per year not compounded. If my math is correct. https://www.capitalone.com/mon...
by Leif
Mon May 07, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75748

Re: To take or not to take delivery of Tesla 3

EVs are limited. They do fill the needs for many many people. But not everyone. Gas cars are less limited. It's really that simple. Tesla is not a general "road-trip" car. No EV is yet. Maybe someday. Not yet. I don't make many road trips. But, I've read others do it often in a Tesla. They seem to ...
by Leif
Mon May 07, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75748

Re: To take or not to take delivery of Tesla 3

At least for me the charging mostly occurs in my garage over night. Each morning I have a full battery. Is that advisable? Topping off the charge daily? Thought that was a no no for batteries. I'm really interested in getting an ev but can't seem to get past the "what if I run out of charge?" Waiti...
by Leif
Sat May 05, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Invest lumpsum, "cost averaging" or "wait for the crash"
Replies: 56
Views: 3595

Re: Invest lumpsum, "cost averaging" or "wait for the crash"

Lump sum is great if you have a long time horizon and will not get stressed out and bail if the market drops. Since the market typically goes up Cost averaging "could" be a loser. But less likely to experience buyer's regret. Waiting for a crash is great IF: 1. You knew when that would happen. 2. Yo...
by Leif
Fri May 04, 2018 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park $200k portion of portfolio when needed to be used as noted below
Replies: 17
Views: 1739

Re: Where to park $200k portion of portfolio when needed to be used as noted below

If your debts are taken care of I would place the funds in a CD ladder. That is what I did. Each year I have a CD coming due. That will take me up to SS and RMDs. In the meantime my CDs will provide cash for expenses plus pay the taxes on Roth conversions I will doing up to 70. To try to keep my tax...
by Leif
Fri May 04, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75748

Re: To take or not to take delivery of Tesla 3

If you (they) use the huge number of pre-orders as a marketing tool for your company, you should also be prepared to answer questions about it. And if the cancellation rate is really tiny, then that answer is easy and painless and should not give anyone fodder for flaming Tesla. By NOT answering th...
by Leif
Fri May 04, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75748

Re: To take or not to take delivery of Tesla 3

Gas cars are far superior as roadtrip cars. There's no way I'm stopping for 45 minutes every few hours to recharge my car on a road-trip. And that's assuming there's always a open charger. Half of my road-trips aren't even on super highways. There are zero convenient superchargers on the back-roads...
by Leif
Thu May 03, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75748

Re: To take or not to take delivery of Tesla 3

I am not sure if this was already posted on the thread, but a small Detroit based company which breaks down vehicles for analysis has done so for the Model 3, and "it ain't pretty." Not all bad news by any means, though. https://www.google.com/amp/s/amp.freep.com/amp/550308002 FYI- "Tesla Model 3 i...
by Leif
Tue May 01, 2018 12:02 am
Forum: Investing - Help with Personal Investments
Topic: Would Roth Conversions be worthwhile for me?
Replies: 18
Views: 1664

Re: Would Roth Conversions be worthwhile for me?

Based on what you posted I don't know the answer. However, I can describe the process I went through. I took my current tax deferred assets and calculated their value by RMD time. I used a conservative 4% growth from now until 70 1/2. I also estimated my income as closely as possible for each year u...
by Leif
Sun Apr 29, 2018 11:53 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Liquidity Risk Not Worth It
Replies: 35
Views: 4942

Re: Larry Swedroe: Liquidity Risk Not Worth It

cfs wrote:
Fri Apr 27, 2018 11:43 am
Thank you Mister Dave for the link to the article.

Mister Swedroe is no longer active here, our loss.

Gracias por leer ~cfs~
Check again. He has made some postings recently. Just much fewer then in the past.
by Leif
Sun Apr 29, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: How do you fund spending in retirement
Replies: 26
Views: 3116

Re: How do you fund spending in retirement

I'll quote myself in one of the earlier threads you mentioned. I target about $10k in checking. With that I don't need to monitor it too closely or constantly move funds from other accounts. When I get low I have some additional cash in a separate high yield account that takes about 1 week to ACH ov...
by Leif
Sun Apr 29, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.60%
Replies: 175
Views: 26696

Re: Ally online savings now at 1.50%

txranger wrote:
Sun Apr 29, 2018 6:48 am
Vanguard muni market yields 1.55 now, 2.2 at my marginal tax rate. Ally, i m out.
Same for me. I had Synchrony at 1.55%. I'm out as well. Now in Vanguard muni money market. Perhaps ACH is faster then 1 week? That remains to be seen.
by Leif
Fri Apr 27, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75748

Re: To take or not to take delivery of Tesla 3

I have to admit, knowing Tesla now for at least three years, I honestly didn't expect them to have actually ramped up as much as they have and the 3 to have so much going for it vs. an S or X. Having a half million backlog does have the effect of giving them some encouragement. Although they are be...
by Leif
Fri Apr 27, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75748

Re: To take or not to take delivery of Tesla 3

Agree with everything but the recommendation. I love AP and use all the time except for the autosteer. I believe that human driver needs to have hands on steering wheel at all times and in control, as the Tesla manual states. But more than happy to have Tesla do all the other driving for me includi...
by Leif
Fri Apr 27, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75748

Re: To take or not to take delivery of Tesla 3

No matter what the autosteer disclaimer says, that tesla MX didn't do what the website claims it would do. And that guy died. I haven't cancelled my reservation. For now I'm sitting on it. I will admit that I was really really looking forward to owning an TM3, and a big part of me still wants one e...
by Leif
Fri Apr 27, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75748

Re: To take or not to take delivery of Tesla 3

HomerJ wrote:
Thu Apr 26, 2018 3:40 pm
Looks like you probably shouldn't pay $3000 for the Auto-pilot feature
As a person that paid $3,000 I agree. Wait until the feature is ready (if ever). Otherwise you are buying vaporware. If it become available you can consider adding it. I wish I had done that.
by Leif
Wed Apr 25, 2018 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Making the decision to do a Roth Conversion
Replies: 46
Views: 3145

Re: Making the decision to do a Roth Conversion

I've started doing a Roth conversion this year. I plan to continue until 70. Then RMDs and SS kick in. I will not convert after that. I'm moving my equity shares to the Roth and leaving my bond funds in the tIRA. With a higher expected return from my equity this should provide a higher after tax por...
by Leif
Wed Apr 25, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 183
Views: 14619

Re: How much cash do you keep at any time on checking?

I target about $10k in checking. With that I don't need to monitor it too closely or constantly move funds from other accounts. When I get low I have some additional cash in a separate high yield account that takes about 1 week to ACH over. Most of my typical expenses are on autopilot so I can go of...
by Leif
Tue Apr 24, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: CDs & Early Withdrawal Penalties
Replies: 7
Views: 778

Re: CDs & Early Withdrawal Penalties

A 2 year CD should be paying interest every 6 months, so you only lose 30% of the most recent period that hasn't completed, no? My CD pays interest monthly and the interest is compounding since it is added back into the CD. if redeemed after 1 year, but prior to the maturity date, the early withdra...
by Leif
Tue Apr 24, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: CDs & Early Withdrawal Penalties
Replies: 7
Views: 778

Re: CDs & Early Withdrawal Penalties

prudent wrote:
Tue Apr 24, 2018 9:34 am
Here's a "should I break my CD?" calculator: https://www.depositaccounts.com/tools/b ... lator.aspx
Thanks. I like that calculator. As I expected it is telling me to break the CD.
by Leif
Mon Apr 23, 2018 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: CDs & Early Withdrawal Penalties
Replies: 7
Views: 778

CDs & Early Withdrawal Penalties

As interest rates seem to be climbing at a nice clip my thoughts turn to my current CDs and early withdrawal. I've never done an early CD withdrawal. I've always held them to term. I have a 2 year CD that I opened 1/2017, due 1/2019. The interest rate is 1.5%. The EWP is 30% of the the interest due ...
by Leif
Mon Apr 23, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75748

Re: To take or not to take delivery of Tesla 3

This is consistent with my experience as well. Leaving my car unplugged while I was traveling in Europe, I had the following losses according to my data logger: 7/23 - 215 miles of range / 82% state of charge 8/10 - 169 miles of range / 66% state of charge So 46 mile / 16% loss over 19 days, or abo...
by Leif
Sun Apr 22, 2018 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend fund in taxable account during retirement, yea or nay?
Replies: 33
Views: 2837

Re: Dividend fund in taxable account during retirement, yea or nay?

You might find interesting information from this post. Divs and Cap Gains are killing me In that thread I posted: I went with tax efficient funds in taxable. That includes TSM and ITSM (EAFE) funds. Asset location matters. Your gains are baked in at this point. My only suggestion would be to sell th...
by Leif
Sun Apr 22, 2018 5:52 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 168
Views: 13420

Re: I’m still not a fan of international bond funds

It was probably the first edition of the book I wrote about 13 years ago. At the time, I did recommend EM closed-end bond funds because they were selling at deep discount to NAV. Those funds were converting to open-end and there was a unique opportunity for risk-free arbitrage. All of the EM closed...
by Leif
Sun Apr 22, 2018 1:22 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9380

Re: Boglehead Philosophy Open To Change?

The 3 fund PF has everything to do with being a Boglehead in that it relates to principle number 9 above (invest with Simplicity). Everything should be made as simple as possible, but not simpler (Einstein). This site started well before any mention of a 3 fund portfolio. When polling was still all...
by Leif
Sun Apr 22, 2018 12:25 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9380

Re: Boglehead Philosophy Open To Change?

I don't mean this offense to Taylor (who I do respect), but I PERSONALLY don't think 3 fund has ANYTHING to do with being a boglehead. Being market cap or factor investor, in my mind, doesn't either. The essence is being a passive investor, focusing on asset allocation, using low cost options, savi...
by Leif
Fri Apr 20, 2018 12:57 am
Forum: Investing - Help with Personal Investments
Topic: Are you keeping more in cash?
Replies: 31
Views: 4499

Re: Are you keeping more in cash?

I'm not planning to keep more cash as the result of increased rates. However, I will be making one change to my cash position. Since money markets dropped to near zero I've been holding most of my cash in high yield savings. Recently, money market funds are becoming more competitive with high yield ...
by Leif
Wed Apr 18, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75748

Re: To take or not to take delivery of Tesla 3

Just to be clear, the Autosteer aspect is Beta, not the Traffic Aware Cruise Control (Tesla's branding for adaptive cruise control). I've been told, and correct me if I'm wrong, but if you don't buy the EAP, you do not get Traffic Aware Cruise Control, TACC. Instead you get just the set a speed and...
by Leif
Wed Apr 18, 2018 12:05 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75748

Re: To take or not to take delivery of Tesla 3

FoolStreet wrote:
Tue Apr 17, 2018 11:14 pm

It all depends on your perspective. If you think EAP is full self driving, you will be disappointed.
Agreed. It is not.
FoolStreet wrote:
Tue Apr 17, 2018 11:14 pm
If you think EAP is like cruise control-plus, then you will be delighted.
Not so sure about that based on my experience. It is the "plus" that can get you into trouble.
by Leif
Tue Apr 17, 2018 11:37 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75748

Re: To take or not to take delivery of Tesla 3

If you have to be just as attentive to the driving as without the auto-pilot, what does it really buy you ? I treat it as adaptive cruise control (an expensive one). I keep my hands on the steering wheel at all times. To do otherwise is risking your life. Tesla will be the first to tell you: 1. It ...
by Leif
Tue Apr 17, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75748

Re: To take or not to take delivery of Tesla 3

If Tesla is not actually able to deliver on FSD within the expected lifespan of the car, would they refund you the $3K ? I don't suppose this is an option that can be retrofitted installed post-sale, is it ? Same question for the EAP, or EAP+FSD. I don't know the answer to your questions. All the c...
by Leif
Tue Apr 17, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75748

Re: To take or not to take delivery of Tesla 3

FoolStreet wrote:
Tue Apr 17, 2018 4:33 pm
Knowing I wouldn’t buy until late 2018 either way, I am hopeful that there will be ongoing improvements by then, both because of the added time for development, but also the thousands of new cars on the road collecting new data and iterating.
Amen brother (or sister).
by Leif
Tue Apr 17, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75748

Re: To take or not to take delivery of Tesla 3

"limited" sounds like an euphemism: 1-4 are a textbook description of an inept driver. It is better now, but in the beginning it was really like having a 8 year, on your lap, driving for the first time. By the way, I should add, I'm using Autopilot 2.0. That is the Tesla created version. Previous t...
by Leif
Tue Apr 17, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75748

Re: To take or not to take delivery of Tesla 3

If we were to Consider the value of EAP separate from the FSD, I would guess that EAP would be worth it. You have an S and I do not. But I would value the extra traffic awareness that comes from EAP like lane keeping and traffic aware cruise control. Lane change assist, etc. I assume it would make ...