Search found 1076 matches

by Longdog
Mon Jul 09, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103735

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

:confused https://www.fueleconomy.gov/feg/Find.do?action=sbs&id=39786&id=39836 As I'm sure you are aware, "long-range" is an option for the model 3. But even the long-range M3 only has 30% more range than the Bolt. I'm not sure how significant a difference that really is, to be honest. I'm having d...
by Longdog
Mon Jul 09, 2018 4:12 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103735

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

:confused https://www.fueleconomy.gov/feg/Find.do?action=sbs&id=39786&id=39836 As I'm sure you are aware, "long-range" is an option for the model 3. But even the long-range M3 only has 30% more range than the Bolt. I'm not sure how significant a difference that really is, to be honest. I'm having d...
by Longdog
Thu Jul 05, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103735

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

This is where context matters. A gas tank is more convenient on a road trip. But for me at least, 90-95% if my travels are not road trips and thus, charging at home and waking up each morning to a “full tank” is more convenient. Again, context matters. Exactly. I agree, waking up to a "full tank" i...
by Longdog
Thu Jul 05, 2018 5:59 am
Forum: Investing - Help with Personal Investments
Topic: How to sell shares purchased at different times?
Replies: 5
Views: 579

Re: How to sell shares purchased at different times?

Choose Specific ID as your cost basis method. If, however, these are in retirement accounts, then it doesn’t matter.
by Longdog
Wed Jul 04, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103735

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

Tesla has now responded to the reports that it suspended its brake-and-roll testing. In short, the identical test was actually performed twice, the second time as part of the on-track testing procedure. Currently all Model 3 vehicles undergo the on-track testing, so the test that was part of that pr...
by Longdog
Wed Jul 04, 2018 9:56 am
Forum: Investing - Theory, News & General
Topic: Switch to LT bonds in this falling rate environment?
Replies: 43
Views: 2709

Re: Switch to LT bonds in this falling rate environment?

Sure, if you’re confident in your prediction. Yours is the first post I’ve seen claiming we’re now in a falling interest rate environment. Maybe you’re ahead of the game. The Fed, which control short term rates, has signaled gradual rate increases over the next year or so. I will point out that this...
by Longdog
Wed Jul 04, 2018 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Health Care in "Early" Retirement
Replies: 50
Views: 4735

Re: Health Care in "Early" Retirement

Even if the law remains unchanged, I don’t think you can just jump into number 2 outside of the enrollment period, which means if something happens requiring medical care, you’d have to ride it out until the end of the current year before the new coverage would kick in, and it’s unknown if the docto...
by Longdog
Tue Jul 03, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Will I ever be able to itemize?
Replies: 64
Views: 4221

Re: Will I ever be able to itemize?

If the primary reason that you purchased a house, when you would have been perfectly happy to rent, was because doing so would reduce your tax burden, then yes you’re being screwed. If you’d have made that purchase anyway, without regard to the tax implications, then no you are not. So, it depends o...
by Longdog
Tue Jul 03, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103735

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

I’m curious why the structure surrounding an assembly line matters. Is there some characteristic of a fully enclosed factory floor that is not present in a more open structure? There is ZERO chance that a modern auto assembly line is within that tent. It's gotta be a circus in there. Modern auto as...
by Longdog
Tue Jul 03, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103735

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

I'll let my Tesla posts speak for themselves. I have posted positive and negative comments regarding Tesla that may help make a buy, or not buy decision. I'll bet nobody has a more balanced view. Tesla fans simply will not tolerate negative views. Sad indeed. Someone suggested only Tesla owners sho...
by Longdog
Sat Jun 30, 2018 8:43 am
Forum: Investing - Theory, News & General
Topic: Ownership of Vanguard Funds and Underlying Stocks
Replies: 6
Views: 586

Re: Ownership of Vanguard Funds and Underlying Stocks

It's kind of like condo ownership. You own a proportionate share of all the underlying holdings. The expense ratio is like an annual maintenance fee.
by Longdog
Fri Jun 29, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.75%]
Replies: 210
Views: 32166

Re: ALLY BANK savings account RATE increase 1.75%

I suspect Ally is seeing a lot of outflows and is trying to stem the tide
by Longdog
Fri Jun 29, 2018 11:40 am
Forum: Investing - Theory, News & General
Topic: What is your one favorite Fidelity Fund??
Replies: 58
Views: 4466

Re: What is your one favorite Fidelity Fund??

Magellan from the 1980s, under the stewardship of Peter Lynch
by Longdog
Wed Jun 27, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103735

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 Longdog
Fri Jun 22, 2018 7:40 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 161
Views: 14699

Re: Did you celebrate when you finally hit $1m?

I made a mental note of it, couldn't believe I had done that, but soon realized it didn't change anything for me and continued on with my life.
by Longdog
Wed Jun 20, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103735

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

It's great that they are adding superchargers, but let's not call one 8-car supercharger per town "very impressive". How about just "nice" I don't own a Tesla, but I have to disagree. They now have over 10,000 chargers at 1261 stations. To me that IS impressive. Which other charging system has that...
by Longdog
Mon Jun 18, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: New to VG. Tax hit on trsfr of proprietary fund?
Replies: 10
Views: 729

Re: New to VG. Tax hit on trsfr of proprietary fund?

The fund was in a taxable account, not an IRA. When I said it "dropped to earth", I meant that according to my new understanding, it became a taxable event when liquidated. I was not expecting that. I'm in a low tax bracket with a gross income of $34,000, including Social Security. This makes it lo...
by Longdog
Sat Jun 16, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: When is the June ex-dividend date for VTSAX
Replies: 29
Views: 2655

Re: When is the June ex-dividend date for VTSAX

plats wrote:
Sat Jun 16, 2018 4:51 pm
Unless I'm wrong, the Declaration date, June 20, becomes the Record date and the next day, June 21, is the Re-invest date and the Ex-Dividend date.
+1 Totally agree
by Longdog
Wed Jun 13, 2018 7:02 am
Forum: Investing - Help with Personal Investments
Topic: [Looking for ways to reduce taxes and keep more of my income]
Replies: 91
Views: 8938

Re: Getting killed on taxes - any ideas?

Thanks for the input everyone. To the posters who thought I was attempting to "humblebrag," I can promise that I wasn't. We only achieved dead broke (i.e., loans equaled assets) when I was about 35. We're now on the plus side by only a little bit. I recognize that our income is high. But as I had s...
by Longdog
Mon Jun 11, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: Should I move my tax-efficient funds from Roth IRA to Taxable before or after distribution?
Replies: 16
Views: 904

Re: Should I move my tax-efficient funds from Roth IRA to Taxable before or after distribution?

Also, if you have the cash NOW to buy equities, then you probably should according to most people: Buy when you have the money. Time in the market, yada yada yada. Then make the move after the distribution occurs to avoid buying (and paying tax on) the dividend. Ugh. "Don't buy the dividend" vs "bu...
by Longdog
Mon Jun 11, 2018 5:25 am
Forum: Investing - Theory, News & General
Topic: Should I move my tax-efficient funds from Roth IRA to Taxable before or after distribution?
Replies: 16
Views: 904

Re: Should I move my tax-efficient funds from Roth IRA to Taxable before or after distribution?

JustinR wrote:
Mon Jun 11, 2018 4:03 am
Longdog wrote:
Mon Jun 11, 2018 4:01 am
Where is the money currently sitting on the taxable side? Is it in cash or a fund that will also be making a distribution?
New money. Cash.
Then make the move after the distribution occurs to avoid buying (and paying tax on) the dividend.
by Longdog
Mon Jun 11, 2018 4:01 am
Forum: Investing - Theory, News & General
Topic: Should I move my tax-efficient funds from Roth IRA to Taxable before or after distribution?
Replies: 16
Views: 904

Re: Should I move my tax-efficient funds from Roth IRA to Taxable before or after distribution?

Where is the money currently sitting on the taxable side? Is it in cash or a fund that will also be making a distribution?
by Longdog
Sat Jun 09, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103735

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

I am still trying to decide if I should buy the AWD or the Performance version. I always had really fast cars and modified car but the most I have ever spent was 33k. I would love to have the performance version because is fast of the show room and It can't be modified for more power. I am not plan...
by Longdog
Sat Jun 09, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103735

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

That sounds really low to me. Having said that, if you pick up a base 3 and want to sell it for $15,000+ after driving it for 3 years, I would buy it sight unseen as long as it wasn't wrecked. IMO, the 3 is years ahead of the competition. https://www.reddit.com/r/teslamotors/comments/8nhodw/model_3...
by Longdog
Thu Jun 07, 2018 9:27 am
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a dividend this month"
Replies: 41
Views: 4211

Re: "Find out if your fund is declaring a dividend this month"

Also, when will I know the exact amount of the dividend? Before or after the date I have to own it? This is tricky because Vanguard does not update their web site in a timely fashion. I think the morning after the Declaration date is when the amount of the dividend will be on the web site, so is th...
by Longdog
Wed Jun 06, 2018 7:17 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a dividend this month"
Replies: 41
Views: 4211

Re: "Find out if your fund is declaring a dividend this month"

Could some knowledgeable person explains the dates. E.g. The page shows Declaration date: June 20, 2018 for some funds including Vanguard International High Dividend Yield Index Fund Share classes Investor, Admiral, ETF. The Distributions page for ETF VYMI shows, for the last distribution, Record d...
by Longdog
Tue Jun 05, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Monthly "Auto Exchange" on Vanguard
Replies: 7
Views: 620

Re: Monthly "Auto Exchange" on Vanguard

That is one of the capabilities that was supported under the “legacy” platform but not the new one.
by Longdog
Sun Jun 03, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Can a physician work in tech while practicing as well?
Replies: 57
Views: 3882

Re: Can a physician work in tech while practicing as well?

I would be concerned that if you try to do both, you won’t excel at either. You’d be spreading yourself too thin.
by Longdog
Sat Jun 02, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage - order placed without enough funds
Replies: 14
Views: 1035

Re: Vanguard Brokerage - order placed without enough funds

Like others have said, once you have clicked the ACH transfer button, the money is available to trade. So there is no problem unless the ACH transfer does not go through. I don't see anyone saying that, nor has that been my experience at other brokers. The OP has also not specified if he "pushed" t...
by Longdog
Sat Jun 02, 2018 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage - order placed without enough funds
Replies: 14
Views: 1035

Re: Vanguard Brokerage - order placed without enough funds

If you placed the ACH transfer before 4pm yesterday then the money will be available to settle on Monday. If you did it today (Saturday) then it’s less clear. Did you get an email from them telling you that you don’t have enough in your account to cover settlement?
by Longdog
Sat Jun 02, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Friends with an EJ Advisor
Replies: 49
Views: 4035

Re: Friends with an EJ Advisor

Was there ever a time in your recent friendship when his job at EJ or your net worth were not discussed? If not, then he probably saw you as a prospective client the whole time. If so, then great-he is a friend and will drop the idea of pursuing you as a client when you tell him you are not interest...
by Longdog
Sat Jun 02, 2018 5:42 am
Forum: Personal Consumer Issues
Topic: Any reasons to not put money down for a Tesla Model 3?
Replies: 45
Views: 3016

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

Right now Tesla Model 3 buyers are in the “early adopters” phase of technology adaptation. These people are not the very first to try new technology but are sooner than the vast majority of people. They are willing to take some risk and are tolerant of some hiccoughs in the technology, and in exchan...
by Longdog
Fri Jun 01, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Value of Umbrella Insurance Policy
Replies: 18
Views: 1995

Re: Value of Umbrella Insurance Policy

I carry the following limits on my auto policy - $300/$300/$50 Is the "50" = $50k property damage? If so, it is way too low. You total my new Mercedes and you'll be paying a bunch out of pocket, too. Isn't that what the umbrella is for? Umbrella has a minimum coverage requirement for the underlying...
by Longdog
Fri Jun 01, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Value of Umbrella Insurance Policy
Replies: 18
Views: 1995

Re: Value of Umbrella Insurance Policy

Be aware that an Umbrella policy does not protect assets. That's a misconception. If you have $1M in assets and a $1M Umbrella policy, that just puts $2M up for grabs in a lawsuit. True, but you can expect that the insurance company is going to work very hard to keep their liability as small as pos...
by Longdog
Mon May 28, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 7361

Re: Tesla Autopilot, worth it?

I wonder what Tesla’s policy is if a Tesla vehicle with autopilot is totalled in an accident (whether or not autopilot was engaged) and the individual purchased a new Tesla vehicle as a replacement. Would Tesla “transfer” the autopilot software (really the rights to use the software) from the totall...
by Longdog
Mon May 28, 2018 4:33 am
Forum: Personal Finance (Not Investing)
Topic: Is having insurance from 5 different companies normal?
Replies: 15
Views: 1668

Re: Is having insurance from 5 different companies normal?

Every few years at renewal time I do a sanity check to see if my current insurer offers the best (or at least very competitive) rate for my auto, home, and umbrella policies. I look at the total cost of all policies per insurer and make sure the coverages between companies is equivalent. Sometimes o...
by Longdog
Fri May 25, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 7361

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 Longdog
Tue May 22, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103735

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

https://www.yahoo.com/finance/news/tesla-model-3-falls-short-cr-recommendation-150525598.html#mycomments It's best (imo) to wait for EV's to mature. I cancelled my order and will let others be beta testers/waste their money. I think the time to buy will be in a few years once the segment has mature...
by Longdog
Tue May 22, 2018 3:55 am
Forum: Personal Finance (Not Investing)
Topic: How do I tell if Roth conversions are worth the trouble?
Replies: 76
Views: 6206

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

What type of income is putting you into the 24% bracket? Is there any way to restructure your entire portfolio while keeping the same asset allocation, so that the dominant source of taxable income is contained within your pre-tax IRA? For example, if you have substantial interest income from CDs, p...
by Longdog
Tue May 22, 2018 3:30 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103735

Re: Consumer Reports: "Not recommended"

Bogleheads: According to this story, Consumer Reports will not recommend the Model 3: Consumer Reports Says it Found "Big Flaws With The Tesla Model 3 Best wishes. Taylor Good pointer. Only until: fix the problem with long stopping distance and inconsistent emergency braking response. Definitely a ...
by Longdog
Mon May 21, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103735

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

The 75D has a range of 259 miles, whereas the Model 3 Long Range has a range of 310 miles. So, I’m not sure what is equivalent between them. Which features or attributes would make them equivalent? The Model 3 isn’t really a “baby” Model S. Understood. That is a pro for that version of the Model 3 ...
by Longdog
Mon May 21, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103735

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

Congrats Longdog. Enjoy! Curious as to what the price delta is between your build and the equivalent Model S 75D? Tesla won't let us outsiders ;-) configure a Model 3 without first siging up which is rather annoying. For those awaiting the 35K model here is the latest as of last night from Musk: Wi...
by Longdog
Mon May 21, 2018 6:35 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103735

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

Have we analyzed the following in this thread? I couldn't find them in my casual reading of the past 18 pages over the last several months: 1. Is the gas savings on the Tesla website legit? https://www.tesla.com/where-you-park For the average 15,000 miles a year, $0.12 kWh FPL electricity, and $2.9...
by Longdog
Mon May 21, 2018 4:15 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103735

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

Well I just did a very non-Boglehead thing and ordered an AWD version when that configuration option opened up this evening. I have no doubts I can afford it, but still quite a splurge unlike one I’ve ever done. Did not get autopilot for the reasons I mentioned in the other thread. Coincidentally, ...
by Longdog
Sun May 20, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103735

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

Well I just did a very non-Boglehead thing and ordered an AWD version when that configuration option opened up this evening. I have no doubts I can afford it, but still quite a splurge unlike one I’ve ever done. Did not get autopilot for the reasons I mentioned in the other thread. Coincidentally, s...
by Longdog
Sun May 20, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 7361

Re: Tesla Autopilot, worth it?

Folks with an engineering level of grounding in the internals of hardware and software of AD technology and the challenges involved understand that AD is still far from perfect at this point and will likely remain relatively rudimentary especially in exception situations far into the future. The sy...
by Longdog
Sun May 20, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 7361

Re: Tesla Autopilot, worth it?

While I think it’s a cool feature to have, I cannot reconcile the claim that it makes driving safer while at the same time you must pay full attention to the road and be able to take over immediately if it goes astray. In other words, it keeps you safe but you cannot rely on it to keep you safe. I ...
by Longdog
Sun May 20, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 7361

Re: Tesla Autopilot, worth it?

While I think it’s a cool feature to have, I cannot reconcile the claim that it makes driving safer while at the same time you must pay full attention to the road and be able to take over immediately if it goes astray. In other words, it keeps you safe but you cannot rely on it to keep you safe. The...