Search found 1255 matches

by just frank
Thu Nov 16, 2017 5:41 am
Forum: Personal Consumer Issues
Topic: Looking for a Catamaran
Replies: 21
Views: 1629

Re: Looking for a Catamaran

After a day sailing with a friend recently, I looked at some Gemini cats. Seems that they rent out in FL and the Bahamas for about what a summer rental house is per week (without crew), and can sleep two small familes. So if you know what you are doing, and have some certification to prove it, you c...
by just frank
Sat Nov 11, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Risk of all eggs in one (brokerage) basket
Replies: 14
Views: 1705

Re: Risk of all eggs in one (brokerage) basket

I am less worried about institutional loss than something such as a 'freeze'. I.e. some malfeasance or hacking occurs, the feds or auditors are called in, and all accounts are frozen until the process is done.

Two firms means that you can still access much of your money during such an event.
by just frank
Sat Nov 11, 2017 7:10 am
Forum: Investing - Theory, News & General
Topic: The average American retiree household
Replies: 57
Views: 10696

Re: The average American retiree household

http://www.businessinsider.com/heres-the-average-net-worth-of-americans-at-every-age-2017-6 What is the upper boundary (in percentile terms) of the fifth quintile? It can't be 100% (on those charts). Surely there are married couples age 65+ with a net worth greater than $2,200,000. The top quintile...
by just frank
Thu Nov 09, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Home backup generator experiences
Replies: 51
Views: 2687

Re: Home backup generator experiences

I sprung for a $100 700W generator a few years ago, maybe another hundred bucks worth of parts, quality gas cans, and a propane camp stove. I was willing to pay $200 for the peace of mind, ability to run fridge and sump pumps, etc. Power runs into house using extension cords, distributed as needed,...
by just frank
Thu Nov 09, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Home backup generator experiences
Replies: 51
Views: 2687

Re: Home backup generator experiences

Interesting - could you use the Leaf to get 220V power (for well pump) My generator feeds a 220 line to my transfer switch (which I guess means it feeds both side of the service panel.) LEAF (and most other EVs) have a ~1600W DC-DC converter that powers the 12V accessories off the HV traction batte...
by just frank
Thu Nov 09, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Home backup generator experiences
Replies: 51
Views: 2687

Re: Home backup generator experiences

I sprung for a $100 700W generator a few years ago, maybe another hundred bucks worth of parts, quality gas cans, and a propane camp stove. I was willing to pay $200 for the peace of mind, ability to run fridge and sump pumps, etc. Power runs into house using extension cords, distributed as needed, ...
by just frank
Sun Nov 05, 2017 6:08 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 284
Views: 19417

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

I would "guess" the Bolt with a max. of 50 kW vs. Tesla 120 kW. Would take 2-3X longer with a DC fast charge. Level 2 chargers would be around 7 kW, or around 15x longer. Thanks for the datapoint. Anyone have a sense of how easy it is to find DC fast charge or Level 2 charge stations for Bolt compa...
by just frank
Fri Nov 03, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 284
Views: 19417

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

Current House tax plan eliminates $7500 Fed tax credit for EVs, effective Dec 31st, 2017. https://insideevs.com/house-republicans-propose-removal-of-7500-ev-tax-credit-this-year/ FYI: discussing pending legislations (i.e. its merits) is forbidden....but I think we can discuss how this might change o...
by just frank
Wed Nov 01, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 284
Views: 19417

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

The EPA range has matched our use cases...a lot of two-lane driving at 40-50 mph in a variety of weather. If you CA driving was all on the freeway at 70 mph...that is another story. The range on mine falls off a cliff around 65-70 mph....but most of my freeway legs are only 10-15 miles. Yes, my CA ...
by just frank
Wed Nov 01, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 284
Views: 19417

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

Many people have reported problems with later Leafs than mine. Even some 2016s with the 30 kWh battery have already lost a lot (many bars, lot of capacity). I was just reading about this on the SF Bay Nissan Leaf facebook group. My own Leaf couldn't do more than 55 miles on the freeway on day 1 in ...
by just frank
Wed Nov 01, 2017 4:39 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 284
Views: 19417

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

I'm sorry you had a hard time with your 2012 @madbrain. They changed the chemistry to be more heat tolerant mid 2013, 4 years ago. They also switched the upper trims to a heat pump cabin heater (which reverts to resistance heat only in extreme cold). My 2013 has been a dream....30k miles and no not...
by just frank
Tue Oct 31, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 284
Views: 19417

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

Chevy and Nissan also make long range EVs, and have dealers across the US. Nissan does not really made a long range EV yet. Even the 2018 Leaf only has 150 miles EPA range. If you use the heater, account for about 30% loss. That's closer to 100 miles. I would probably have to drive 55 or stop the h...
by just frank
Tue Oct 31, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 84
Views: 5452

Re: New Car: Ever make sense to lease?

As @Fragglerock mentioned....EVs Cars and the car market are changing rapidly. This will significantly affect things like resale on cars in 5-10 years. If someone said that the KBB value of sedans was going to be halved in 5-7 years, does buying new at the current price still make sense? I'm afraid...
by just frank
Tue Oct 31, 2017 7:57 am
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 84
Views: 5452

Re: New Car: Ever make sense to lease?

I think it's fascinating that consensus here now is that a major technological revolution will wipe out the value of ICE cars within 5-10 years. We just bought a new ICE that I plan to keep for the next 10-20 years, so that's disconcerting, but I also welcome a shift to all self-driving cars as muc...
by just frank
Tue Oct 31, 2017 4:25 am
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or not to Avatar . . how did you choose or not choose?
Replies: 115
Views: 5173

Re: To Avatar or not to Avatar . . how did you choose or not choose?

A lot of the subject matter here is necessarily pretty grim...things that most people are afraid to look at or think about.

Frank reminds me to confront those fears, act as needed, and to remember to laugh while I am doing it.

Happy Halloween!
by just frank
Tue Oct 31, 2017 4:15 am
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 84
Views: 5452

Re: New Car: Ever make sense to lease?

As @Fragglerock mentioned....EVs Cars and the car market are changing rapidly. This will significantly affect things like resale on cars in 5-10 years. If someone said that the KBB value of sedans was going to be halved in 5-7 years, does buying new at the current price still make sense? Or should y...
by just frank
Mon Oct 30, 2017 5:01 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 284
Views: 19417

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

Returned recently from a multi-state motorcycle camping trip starting in Calif and heading thru NV, UT, CO, NM, and AZ before returning. Once we got East of Palmdale, CA we saw no Tesla's, no German cars other than a few VWs, no Mazdas, no Jags, Land Rovers, Range Rovers, or other high end cars. Pr...
by just frank
Mon Oct 30, 2017 4:55 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 284
Views: 19417

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

It took just over 3 weeks to receive my refund in the mail. Clark Howard recently opined that a used Tesla S is a much better deal than a new Model 3. He claims you can get a used S for the mid $40,000s, and believes it is a much better car than the 3. I don’t know much about the variations of the ...
by just frank
Mon Oct 23, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 10689

Re: anyone else not liking the new cars?

I don't have any such anti-nuke bias, and worked for a few summers in 'hot' radiation zones (wearing my badge) and taken courses and done experiments in nuclear physics. Cool tech and can be made safe, but not nearly cheap enough to compete. Not enough U to make a sustainable dent in global power n...
by just frank
Sun Oct 22, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 10689

Re: anyone else not liking the new cars?

Yes, it will be very interesting indeed. Solar/wind have difficulty breaking even and will thus _always_ rely on old school energy sources when it's either night time or when there's no wind. The 'clean' power sources can help but there's no way they will replace coal/oil/nuclear. Example: https://...
by just frank
Sun Oct 22, 2017 4:20 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 10689

Re: anyone else not liking the new cars?

And frackers being profitable at $50/bbl....all due to direct subsidies for production from the govt...without that, they would be stretched to turn a profit below $70-80/bbl. A nice article is here: https://www.vox.com/energy-and-environment/2017/10/6/16428458/us-energy-subsidies Let's check back ...
by just frank
Sat Oct 21, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 10689

Re: anyone else not liking the new cars?

And frackers being profitable at $50/bbl....all due to direct subsidies for production from the govt...without that, they would be stretched to turn a profit below $70-80/bbl. A nice article is here: https://www.vox.com/energy-and-environment/2017/10/6/16428458/us-energy-subsidies Let's check back ...
by just frank
Thu Oct 19, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 10689

Re: anyone else not liking the new cars?

Wake me up when there are no more government subsidies for wind/solar generation and EVs have no rebates. Then we will know there has truly been a paradigm shift. I don't mind cutting waste and adopting cleaner ways to live but the very existence of subsidies show that 'clean energy' cannot stand b...
by just frank
Mon Oct 16, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 5935

Re: Is Florida Over, 2017

My parents live near Sarasota, and get why they chose to move there. Inland and at 17 ft. They report that a lot of the barrier islands and coastal areas are seeing salt water intrusion into the ground water from overuse. You'd think with all the rain they'd be aok...but between the porous bedrock a...
by just frank
Sat Oct 14, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 1908

Re: Earplugs that work on low frequency noise?

All I can say is my neighbor really liked to run a gas powered leaf blower almost every weekend afternoon all fall (somehow I manage to get the same job done in about 4 hours/year). It was loud enough to wake me up from a cherished weekend nap, seems like every time I dozed off (I sleep about 5 hour...
by just frank
Sat Oct 14, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 10689

Re: anyone else not liking the new cars?

"we will just engineer batteries that charge in 10 minutes when we really care to." I read recently about (another...) potential breakthrough in battery charging time -- forget the article. But "when we care to" is not always possible. We would "care to" cure cancer but while we have periodic wins,...
by just frank
Sat Oct 14, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 10689

Re: anyone else not liking the new cars?

It will be really interesting to see what the car market looks like in 20 years. The magic battery pack exchange (am I right that the Tesla can do something like this now? .. actually googling a bit it seems like they tried that but have backed off it) however, is not going to happen across the spe...
by just frank
Sat Oct 14, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Boston area Relocation...major decision points
Replies: 34
Views: 2950

Re: Boston area Relocation...major decision points

Definitely rent at first, Boston area real estate is so pricey that rushing to buy could result in a very costly mistake. In something more OT, you couldn't pay me enough to go back to MA. There must be pockets of people I could relate to around the universities, but the provinciality and thought p...
by just frank
Sat Oct 14, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Boston area Relocation...major decision points
Replies: 34
Views: 2950

Re: Boston area Relocation...major decision points

Definitely rent at first, Boston area real estate is so pricey that rushing to buy could result in a very costly mistake. Second this. I grew up in MA, and still vacation annually on the Cape. Saw a LOT of bubbly and crashy real-estate motions in 20 years, back in the last century. Boston is a burg...
by just frank
Sat Oct 14, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 10689

Re: anyone else not liking the new cars?

I just bought a new Prius and I love the look To each their own. IMO it is battling the i3 as the single ugliest vehicle currently manufactured...but I'd gladly drive either. I couldn't agree more about both cars (all the BMWs look like they have pig snouts to me)...and I drive an 'ugly' car...the ...
by just frank
Sat Oct 14, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 10689

Re: anyone else not liking the new cars?

Wake me up when there are no more government subsidies for wind/solar generation and EVs have no rebates. Then we will know there has truly been a paradigm shift. I don't mind cutting waste and adopting cleaner ways to live but the very existence of subsidies show that 'clean energy' cannot stand b...
by just frank
Sat Oct 14, 2017 8:00 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 10689

Re: anyone else not liking the new cars?

If it makes you feel better....those new cars will likely have terrible resale too after EVs take over. We are currently a 1 battery-EV, 1 gasmobile family, with the former covering 60-70% of our family driving miles, and the latter mostly for family road-trips. The gasser will be paid off in a few ...
by just frank
Thu Oct 12, 2017 4:00 am
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 3868

Re: Wifi Thermostat

I use Nest Thermostats. I don't know anything about the EcoBee. One thing not yet mentioned is the motion detection on the Nest thermostats. In addition to noticing when you are gone and using the alternative "away" program, the Nest Thermostats have motion detection that will switch back to the "A...
by just frank
Wed Oct 11, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 3868

Re: Wifi Thermostat

I have had a Nest 1.0 and an EcoBee3. Both are similarly simple to install, but the EcoBee is a far better unit. Nest phone support used to be horrific...perhaps it is better now. EcoBee was helpful. Ecobee3 released a year ago and Nest 1.0 released 5 years before that. I don't think you can compar...
by just frank
Wed Oct 11, 2017 3:36 am
Forum: Investing - Theory, News & General
Topic: Why is inflation so low? Moore's law?
Replies: 33
Views: 4418

Re: Why is inflation so low? Moore's law?

There is the concept of 'disinflation', that each sector of the economy has a different rate of inflation, depending on its usage of improving technology. And the overall 'inflation rate' is GDP-weighted average of these different numbers. The ruthless math result is that any sector that relies on s...
by just frank
Tue Oct 10, 2017 7:45 pm
Forum: Personal Consumer Issues
Topic: cash and landlines in disasters
Replies: 21
Views: 2402

Re: cash and landlines in disasters

Landlines **used** to be reliable because the Feds required the telcos to have large battery backups to run the network if the power grid went down. Now half of houses don't have a landline, and most that do it is not really a POTS line, it comes off a cable modem, with limited backup battery life i...
by just frank
Tue Oct 10, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 3868

Re: Wifi Thermostat

I have had a Nest 1.0 and an EcoBee3. Both are similarly simple to install, but the EcoBee is a far better unit. Nest phone support used to be horrific...perhaps it is better now. EcoBee was helpful.
by just frank
Tue Oct 10, 2017 3:57 am
Forum: Personal Consumer Issues
Topic: When to buy new tires? - penny or quarter test
Replies: 35
Views: 2268

Re: When to buy new tires? - penny or quarter test

After a few fender benders and skids years ago, I decided that I don't mess around with tires. I buy 'better' grade tires, I replace them if they show damage, put winter tires on my wife's back country commuter, I have them rotated, and yes I replace them well before the legal tread limit. The Miche...
by just frank
Sat Oct 07, 2017 5:23 am
Forum: Personal Finance (Not Investing)
Topic: Anyone ever use Sebonic Financial for mortgage?
Replies: 18
Views: 41291

Re: Anyone ever use Sebonic Financial for mortgage?

I used them for a refi in Nov 2016 and was completely satisfied. Just like the time I used Cardinal for a refi a couple years earlier.
by just frank
Sat Sep 30, 2017 5:47 am
Forum: Personal Consumer Issues
Topic: Should I get a New Macbook Pro?
Replies: 47
Views: 4120

Re: Should I get a New Mac or Macbookpro?

Lots of this going around. Son texted me that his 2012 MacBook Pro has crashed 3 times recently. It passed all diagnostics. It’s all SSD, max memory, fast CPU, etc., but for a change he couldn’t do math-intensive homework on the school server and had to run it locally. A cleaning might make the fan...
by just frank
Fri Sep 29, 2017 4:45 am
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8762

Re: Where do you get your news?

I don't know where you guys are coming from. It's called 'relativity', not the Einstein kind. Let's pause for a moment to applaud our fine moderators who keep this motley crew of Bogleheads in line. Based upon our responses in this thread, we clearly span the full range of the political opinion con...
by just frank
Thu Sep 28, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8762

Re: Where do you get your news?

If you google the question, you will find otherwise. I have and see no problem. There are several episodes in the past that have highlighted cases of them having a conservative bias. So I read it with a grain of salt. :beer Really? https://img.washingtonpost.com/pbox.php?url=https://www.washingtonp...
by just frank
Thu Sep 28, 2017 5:04 am
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8762

Re: Where do you get your news?

You don't see bias in the NY Times or WaPo? Nope. Of course some of the columnists have an agenda...but I don't read the ones I don't like. If you google the question, you will find otherwise. I have and see no problem. There are several episodes in the past that have highlighted cases of them havi...
by just frank
Wed Sep 27, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8762

Re: Where do you get your news?

NYTimes ($$), Vox and Politico for online general news. WaPo ($$) is good, but I do not subscribe. I avoid FoxNews and HuffPo for what I see as bias, most of the others for shallowness or too much celeb-gossip. You don't see bias in the NY Times or WaPo? Nope. Of course some of the columnists have ...
by just frank
Tue Sep 26, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8762

Re: Where do you get your news?

NYTimes ($$), Vox and Politico for online general news. WaPo ($$) is good, but I do not subscribe. I avoid FoxNews and HuffPo for what I see as bias, most of the others for shallowness or too much celeb-gossip. You don't see bias in the NY Times or WaPo? Nope. Of course some of the columnists have ...
by just frank
Tue Sep 26, 2017 3:48 am
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8762

Re: Where do you get your news?

NYTimes ($$), Vox and Politico for online general news. WaPo ($$) is good, but I do not subscribe. I avoid FoxNews and HuffPo for what I see as bias, most of the others for shallowness or too much celeb-gossip. Barry Ritholtz: http://ritholtz.com provides links to diverse more in depth articles with...
by just frank
Sun Sep 24, 2017 6:20 am
Forum: Investing - Theory, News & General
Topic: Oil - Price & Supply/Demand Conundrum
Replies: 62
Views: 4046

Re: Oil - Price & Supply/Demand Conundrum

You probably know the late Dr. David Mackay's https://www.withouthotair.com/ book (it's free to download at that site)? It is a fabulous book, by any measure. He was big for Heat Pumps (Ground Source/ geothermal) as a solution to transforming the UK heating system (backed up by nuclear energy). It ...
by just frank
Sat Sep 23, 2017 6:08 pm
Forum: Investing - Theory, News & General
Topic: Oil - Price & Supply/Demand Conundrum
Replies: 62
Views: 4046

Re: Oil - Price & Supply/Demand Conundrum

It's one of those "low hanging fruit" that is out there. There are however significant institutional obstacles-- the frictions that make all such "obvious" policies messy and difficult in practice. I wasn't aware home heating oil and diesel fuel were equivalent-- I had thought closer to the bottom ...
by just frank
Sat Sep 23, 2017 6:37 am
Forum: Investing - Theory, News & General
Topic: Oil - Price & Supply/Demand Conundrum
Replies: 62
Views: 4046

Re: Oil - Price & Supply/Demand Conundrum

Saying that you are going to overweight or underweight a sector is the same as saying that you know more than the market. Doesn't every trader on, both sides of the trade, think this? The only winners are the market makers. And home heating switching to gas (longer term, the pipes had to be laid). ...
by just frank
Thu Sep 21, 2017 6:52 pm
Forum: Investing - Theory, News & General
Topic: Oil - Price & Supply/Demand Conundrum
Replies: 62
Views: 4046

Re: Oil - Price & Supply/Demand Conundrum

Lending in the oil industry ...read the Big Short you will notice more than a couple similarities... Three to 4 years ago I think 30 per cent of US high yield was to fracking companies? Some number like that? Now though I suspect we are through the worst. 3 years of low oil prices and brutal cost c...