Search found 1394 matches

by jdb
Mon Aug 13, 2018 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 49
Views: 6098

Re: Moving from Vanguard to Fidelity

All my funds at Vanguard, and all in Vanguard mutual funds except bond ladder and individual stocks, and bond ladder and individual stocks also on Vanguard platform. I would never move to Fidelity. If not for Vanguard there would probably be no low cost funds or ETF’s, Fidelity would still be chargi...
by jdb
Sat Aug 11, 2018 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 113
Views: 5631

Re: Paper checks yes or no?

I pretty much stopped using paper checks a couple years ago after an unknown fraudster copied my checks and issued several checks for thousands of dollars which were cleared by my bank before they alerted me. The bank reversed the charges but I was surprised after talking with bank fraud dept how co...
by jdb
Sat Aug 11, 2018 6:54 am
Forum: Personal Consumer Issues
Topic: is it really a 501(C)(3) ?
Replies: 4
Views: 497

Re: is it really a 501(C)(3) ?

This is a useful post. I will be doing QCDs from RMD and need to be sure charity qualifies. I have been going to the charities website to confirm that they are tax qualified, I have yet to find one without website. But this post helpful, thanks.
by jdb
Fri Aug 10, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Comfortably Retired and charity giving?
Replies: 25
Views: 1911

Re: Comfortably Retired and charity giving?

100% of my annual RMD through QCDs to qualified charities. Fun part is selecting the charities. Good luck.
by jdb
Fri Aug 10, 2018 3:24 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 307
Views: 19615

Re: Invest in Tesla?

So the answer to the OP question posted on March 28 is clear- anyone buying at the then prevailing stock price could have made a profit of about 100 points by selling this week. Not too many of us were saying yes. And I am still saying yes, would hope that my stock position, which has more than doub...
by jdb
Tue Aug 07, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6322

Re: "Dollar Tree Store" favorites

OK, have read these responses and as someone who has never been inside a Dollar store see no compelling reason from the responses to change that habit. Target sounds good to me. And I do not buy birthday or anniversary cards for my wife of 40 plus years, but think she likes me anyway. Good luck.
by jdb
Tue Aug 07, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Cost of ownership of buying Model 3 vs keeping my M235i.
Replies: 50
Views: 2873

Re: Cost of ownership of buying Model 3 vs keeping my M235i.

Yes, those 4 oil changes could take up to 4 hours of your time. See how that compares when something breaks in the Tesla and is undrivable for 3 months. Have Tesla Model S and Model X now going on six years and over 100K miles and no undrivable problems despite normal body shop visits. OTOH our Aud...
by jdb
Tue Aug 07, 2018 6:41 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 307
Views: 19615

Re: Invest in Tesla?

This means TSLA in play. I suspect that some serious number crunching now being done by likes of Apple, Google, and legacy auto makers like Daimler Benz and Volkswagen. Not to mention unknown Chinese or Japanese companies. We live in interesting times.
by jdb
Tue Aug 07, 2018 6:05 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 307
Views: 19615

Re: Invest in Tesla?

garlandwhizzer wrote:
Tue Aug 07, 2018 5:34 pm

When you buy Tesla you're buying a dream that may or may not come true in the distant future, but in the meantime it has no more substance than a moonbeam.

Garland Whizzer
To dream the impossible dream
To fight the unbeatable foe...
by jdb
Tue Aug 07, 2018 3:44 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 307
Views: 19615

Re: Invest in Tesla?

Here's the email Elon sent to Tesla employees: https://www.tesla.com/blog/taking-tesla-private How does this work? Second, my intention is for all Tesla employees to remain shareholders of the company, just as is the case at SpaceX. If we were to go private, employees would still be able to periodi...
by jdb
Tue Aug 07, 2018 12:41 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 307
Views: 19615

Re: Invest in Tesla?

I think too much attention being paid to tweets. From lots of people if get my drift. More important info IMHO was Saudi Arabian wealth fund taking substantial stake today.
by jdb
Tue Aug 07, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Cost of ownership of buying Model 3 vs keeping my M235i.
Replies: 50
Views: 2873

Re: Cost of ownership of buying Model 3 vs keeping my M235i.

Wait 6 months. If Tesla is still in business by Feb 2019, revisit the Model 3. You'll be glad you waited. Tesla is going to fold before then. Ah, there you are! If there's one thing I know about this forum, it's that any thread with a Tesla discussion will feature prognosticator extraordinaire DanM...
by jdb
Mon Aug 06, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Cost of ownership of buying Model 3 vs keeping my M235i.
Replies: 50
Views: 2873

Re: Cost of ownership of buying Model 3 vs keeping my M235i.

One owner’s perspective. We have owned 4 BMW, one 3 series and three 5 series, well over 250,000 collective miles. Own two Teslas, S and X, about 90,000 miles overall. The Tesla are more expensive to replace the tires. But except for tires there is no issue, for us the BMW were far more expensive to...
by jdb
Sun Aug 05, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 307
Views: 19615

Re: Invest in Tesla?

For anyone considering purchasing or shorting TSLA, here is a great dramatization :happy of the TSLA short hypothesis: https://m.youtube.com/watch?time_continue=168&v=wxEClGh6Mus Hilarious! I was laughing so much. Here's the link to watch it from the beginning: https://youtu.be/wxEClGh6Mus Whoever ...
by jdb
Sun Aug 05, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4517

Re: Dear BH, what are non-BH actions you do?

I have been investing past 10 years about 25% of my equity allocation on a buy and hold basis in a few individual large cap tech stocks, Alphabet, Amazon, Apple, and Tesla. So far so good.
by jdb
Thu Aug 02, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: What’s your Value Colombian coffee?
Replies: 51
Views: 3167

Re: What’s your Value Colombian coffee?

Love these periodic coffee topics, about every six months. And each time I find I am drinking a different coffee. Currently Peet’s Major Dickason dark blend whole beans from Whole Foods, I use a French press. No idea where the beans are sourced.
by jdb
Thu Aug 02, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable giving strategy
Replies: 43
Views: 2204

Re: Charitable giving strategy

Good topic. I have decided to donate my annual RMD to qualified charities through QCDs, so am now in process of winnowing down the prospects, focusing on local charities, will start the QCD process next month when turn 70.5 Thinking of enlisting my adult children for suggestions as to their favorite...
by jdb
Thu Aug 02, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Gated communities pros and cons? (Atlanta or anywhere.)
Replies: 67
Views: 4188

Re: Gated communities pros and cons? (Atlanta or anywhere.)

Gave me a great excuse never to visit my brother and sister in law once they moved to gated community, we hated waiting in line with other cars to get through the manned guard gate and show drivers license and wait for them to call in laws. OTOH my neighborhood currently in throes of trying to get m...
by jdb
Thu Aug 02, 2018 5:02 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 307
Views: 19615

Re: Invest in Tesla?

https://www.reuters.com/article/us-tesla-results-idUSKCN0VJ2J6 It's deja vu all over again. LOL. I knew something felt weird. From the article (2016): Tesla shares rose more than 10 percent in after-hours trading after the company forecast a 60 to 80 percent increase in vehicle sales this year and ...
by jdb
Thu Aug 02, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 307
Views: 19615

Re: Invest in Tesla?

Nah, I don't think so. All Tesla sells is cars. Nobody has a monopoly on cars. Toyota and Honda are the most popular cars, and even they have not been super investments, just reasonably healthy companies. They also sell solar roofs. I have $1K refundable deposit to be first in my neighborhood when ...
by jdb
Tue Jul 31, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 5914

Re: Talk to me about Le Creuset

deleted. Duplicate post.
by jdb
Tue Jul 31, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 5914

Re: Talk to me about Le Creuset

I have lodge cast iron skillets of different sizes and they perform well, but they are not a Le Creuset Dutch oven. Two entirely different things and if lodge makes a Dutch oven I doubt that it has ceramic insides. Here's the Lodge Dutch Oven with enameled inside: https://www.amazon.com/Lodge-EC6D4...
by jdb
Sun Jul 29, 2018 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds for high income individuals in taxable account
Replies: 18
Views: 1359

Re: Bonds for high income individuals in taxable account

Certainly works for me to meet investment allocation in taxable accounts. Have Vanguard long term TE, intermediate term TE and short term TE in 1:1:2 ratio. We enjoy the tax free income. Good luck.
by jdb
Sat Jul 28, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 5914

Re: Talk to me about Le Creuset

This topic piqued my interest since almost all our cooking done on cast iron so I had to go count the collection. We have accumulated six Le Creuset dutch ovens of different sizes up to the large 9 1/2 quart goose pot, three Lodge dutch ovens and four Lodge cast iron skillets of various sizes (don’t...
by jdb
Mon Jul 23, 2018 2:25 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 307
Views: 19615

Re: Invest in Tesla?

Yes. I have been investing in tsla for six years, started at $60 per share. Every time I sell my position after doubling my money. Not high finance but has fully paid for in after tax LTCG the Model S for me, Model X for wife , best cars we have ever owned, and Model 3 for physician son and wife who...
by jdb
Fri Jul 20, 2018 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Ladder Managed Account
Replies: 31
Views: 1621

Re: Bond Ladder Managed Account

Interesting discussion. In my amateur opinion the time to buy a bond ladder is when yields are relatively high and expected to decline and via bond ladder can lock in the higher ytm for duration of bond assuming in case of munis bought non callable bonds (I have muni bond ladder and muni bond funds)...
by jdb
Mon Jul 02, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106359

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

Tesla goes ALL OUT to produce 5k cars in one week. Dang, I'd hate to be the buyer of one of these cars. Where do you see any evidence of Tesla going ALL OUT with the implication of sacrificing quality or non-Model-3 capacity? If anything, Tesla making 7k cars in one week and not only 5k Model 3s se...
by jdb
Thu Jun 28, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6358

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

Chevy Colorado or sibling GMC Canyon. New mid size pickups which were awarded truck of year when introduced last year. Plenty of cargo capacity for your use. I have had for two years and use weekly for Home Depot type runs for mulch and fertilizer and trees etc for my tropical fruit tree orchard and...
by jdb
Wed Jun 27, 2018 4:42 pm
Forum: Investing - Theory, News & General
Topic: Is there a reversion to the mean for everything?
Replies: 29
Views: 1813

Re: Is there a reversion to the mean for everything?

Definitely yes as to my golf game. No matter how I work to improve. So probably also for most other important things in life. Good luck.
by jdb
Wed Jun 27, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106359

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

We just configured / ordered the AWD Model 3 (non-performance). The AWD option just became available to us earlier today, and it was reduced to $4000 instead of $5000. The delivery estimate as configured is September to November. It looks like the Performance option for AWD would have moved up the ...
by jdb
Tue Jun 26, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106359

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

Another Model 3 owner data point: We have owned one since early May. Maybe we got lucky, but I have not had a single quality issue in ours. The Model 3 is replacing our 2016 MB E-class lease which will be returned early next year. Surprisingly, it is just as roomy & has more cargo room than the E. ...
by jdb
Mon Jun 25, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106359

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

[Quoted post removed by admin LadyGeek] We bought Model S six years ago without test drive, now with 60K miles. We bought Model X two years ago without test drive. Both by far best and most fun cars we have ever owned. On other hand I did propose to my wife a few weeks after our first date and now ...
by jdb
Mon Jun 25, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106359

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

Back to topic, coincidentally just after getting confirmation of Model 3 delivery in few weeks we saw one for first time in shopping center parking lot. Never saw in person before. It was the beautiful dark blue our son ordered, looked great. My wife commented that was bigger than she had anticipate...
by jdb
Sat Jun 23, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106359

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

Back on topic, just got email from Tesla confirming the Model 3 in production now has VIN assigned with delivery in Chicago in a few weeks. Our physician son and his wife are very excited to be taking delivery of the car.
by jdb
Sun Jun 17, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 8738

Re: Which Supermarket are you?

Costco for wine and staples. Local butcher shop for meats. Local seafood place for fish and shellfish. Whole Foods to refill my growler with fresh draft beer and pick up whatever foods my wife wants me, as her yard boy (love that concept) to purchase. Good luck.
by jdb
Thu Jun 14, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 7557

Re: Tesla Autopilot, worth it?

Can we get a moderator to request cut down by Tesla shorts to troll the topic? Trolling is an art and some of you need to learn it so that you can do it with a finesse. Frankly, the way being done here is too obvious and irritating. Not too much joy in Tesla shortville this week. But agree that thi...
by jdb
Wed Jun 13, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17799

Re: Life in retirement - what did you do today?

I like this conversation, let's keep it going, and thanks everyone for your contribution. ~cfs~ Agree. As someone who has just fully retired this year find it fascinating to get a glimpse into 24 hours in life of other retirees, many of whom have more experience in this life passage than me. Thanks.
by jdb
Tue Jun 12, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3166
Views: 966114

Re: What Book Are You Currently Reading? Part VI

AIQ by Nick Polson and James Scott. Latest book about artificial intelligence. The authors are professors who teach the mathematics and theories underlying AI and the book is essentially an adult education survey course in the mathematical theories and algorithms of AI together with history and appl...
by jdb
Mon Jun 11, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17799

Re: Life in retirement - what did you do today?

Just fully retired. Wife still working. Drank coffee while reading NYT and WSJ. Told my wife will be getting T-shirt stating “We Are All Canadians”. Put bee suit on and checked my honeybee hives, looking good, probably honey harvest in few weeks. But it is hot in that bee suit. Took pickup truck and...
by jdb
Fri Jun 08, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3166
Views: 966114

Re: What Book Are You Currently Reading? Part VI

Just finished two wonderful autobiographies, both depicting lives alien to mine. The first was Redefining Realness, My Path to Womanhood, by Janet Mock. I had never heard of the author until read a recent article in NYT which piqued my interest. A heartwarming true story of a young, multiracial, poo...
by jdb
Fri Jun 08, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106359

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

Your comments are interesting. That is what is known as accident reconstruction. This case may eventually be tried before judge and jury so we may be wasting our time here. Key point is when should driver have become aware that car was heading for barrier? Probably when it started to accelerate. An...
by jdb
Fri Jun 08, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106359

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

Don’t understand your small fraction of a second comment. There were a full six seconds that the drivers hands not detected on wheel, which implies he had at least six seconds to disengage autopilot and move car back to correct lane. No, it doesn't imply that at all. You are assuming that the car w...
by jdb
Fri Jun 08, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106359

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

jdb - at 70MPH you are going 34 yards per second - that's well over half the length of an olympic-size swimming pool. You are going to crash into the barrier in a small fraction of a second. Good luck. Don’t understand your small fraction of a second comment. There were a full six seconds that the ...
by jdb
Fri Jun 08, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106359

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

I am reading comments but not understanding. The Tesla autopilot is in beta mode as manual explicates. Eyes on road and hands on steering wheel at all times. That should not be so difficult for drivers to understand. All the so called autopilot crashes seemingly could have been easily avoided if dr...
by jdb
Fri Jun 08, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106359

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

I am reading comments but not understanding. The Tesla autopilot is in beta mode as manual explicates. Eyes on road and hands on steering wheel at all times. That should not be so difficult for drivers to understand. All the so called autopilot crashes seemingly could have been easily avoided if dri...
by jdb
Thu Jun 07, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 7557

Re: Tesla Autopilot, worth it?

Can we get a moderator to request cut down by Tesla shorts to troll the topic? Trolling is an art and some of you need to learn it so that you can do it with a finesse. Frankly, the way being done here is too obvious and irritating. Not too much joy in Tesla shortville this week. But agree that thi...
by jdb
Wed Jun 06, 2018 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: RMD donations using checks
Replies: 26
Views: 1460

Re: RMD donations using checks

I may be missing something here. Why not just ask Vanguard to send you the QCD check payable to the 501(c)(3) charity and you mail or deliver to the charity. That way there is no issue as to qualification. Don’t understand what benefit there would be to change this simple process by sending direct c...
by jdb
Tue Jun 05, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: Fitting three young kids in the car...
Replies: 76
Views: 5302

Re: Fitting three young kids in the car...

I think back to when I was a kid - seemed like everyone had 4+ kids and a sedan and still made it work. It helped when a lot of people didn't even put on seat belts. Fortunately, we've driven the automotive death rate down quite a bit by changing things. A 1957 Buick Roadmaster with newest gimmick,...
by jdb
Fri Jun 01, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Any reasons to not put money down for a Tesla Model 3?
Replies: 45
Views: 3132

Re: Any reasons to not put money down for a Tesla Model 3?

I'll probably also prefer a stick shift over electric but would be nice to save on gas on for environmental reasons. Is there a stick shift aka manual option in any electric cars on the road? I am a novice asking this question. I think they have a single speed transmission. Tesla has a single speed...
by jdb
Thu May 31, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106359

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

To stay on topic. Is anyone ordering the AWD version? Interested in how it performs. Yes, staying on topic derferring one reservation for the AWD version. Got an email from Tesla other day saying they would be sending out invites for AWD configure based on reservation dates etc. I am not in a hurry...