Search found 331 matches

by HopeToGolf
Sat Nov 16, 2019 8:06 pm
Forum: Personal Investments
Topic: Spend It All vs. Leave $$ for the Kids
Replies: 192
Views: 16002

Re: Spend It All vs. Leave $$ for the Kids

We recently had an issue pop up for our offspring that has us questioning our ability to experience early retirement and concerned that we leave as large an inheritance as possible. While the story is still to be written, we experienced an unexpected negative turn of events that has us thinking ver...
by HopeToGolf
Sat Nov 16, 2019 7:27 pm
Forum: Personal Investments
Topic: Spend It All vs. Leave $$ for the Kids
Replies: 192
Views: 16002

Re: Spend It All vs. Leave $$ for the Kids

One thing I haven’t really seen brought up yet: how inheritance could help adult children in weathering a financial storm. Major health care surprises, freak accidents, lawsuits. There are so many ways in which a bad bounce or two can have permanent negative impacts on one’s life. No matter the val...
by HopeToGolf
Tue Jul 16, 2019 8:47 am
Forum: Personal Finance (Not Investing)
Topic: College cost prediction and savings for 5, 3, and newborn
Replies: 102
Views: 6621

Re: College cost prediction and savings for 5, 3, and newborn

Any models you use today are unlikely to accurately predict what you will pay. The system is broken, in need of repair, and/or will evolve. Unless you are very wealthy and fund at a rate that outpaces current tuition and room and board at private colleges and grad schools I think you can use current...
by HopeToGolf
Tue Jan 01, 2019 7:28 am
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 79237

Re: Talk me out of buying a Tesla Model 3

Congrats investor997. The Model 3 is a great car. I am about 5 months and 7k miles into ownership. I am not sure what climate you are in but if you drive in cold weather, be ready for the reduced efficiency and range. I posted this in another forum..sample of 1..... Southern California here. I'm ho...
by HopeToGolf
Tue Jan 01, 2019 7:18 am
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve
Replies: 75
Views: 10702

Re: Chase Sapphire Reserve

Great card. Not much new to add than another vote that the travel portal has been good for my reward flights. The fares were the same as Kayak/airlines and I got 1.5x value for the points.

So far I think it was a good choice for me vs. Amex Platinum.
by HopeToGolf
Fri Nov 23, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 79237

Re: Talk me out of buying a Tesla Model 3

ChargePoint is solid. I use it everyday.
by HopeToGolf
Fri Nov 23, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 79237

Re: Talk me out of buying a Tesla Model 3

Congrats investor997. The Model 3 is a great car. I am about 5 months and 7k miles into ownership. I am not sure what climate you are in but if you drive in cold weather, be ready for the reduced efficiency and range. I posted this in another forum..sample of 1..... Range after supercharging: 278 (m...
by HopeToGolf
Sat Sep 01, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Tesla Refund
Replies: 19
Views: 2608

Re: Tesla Refund

I had 2 Model 3 deposits. I bought one car. My refund for the other deposit was processed within 3 days.
by HopeToGolf
Sat Aug 25, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 9449

Re: $65K Fun Daily Driver

Since you have a family SUV:

1) Keep the 911 and maybe the MazadaSpeed
2) Sell current stable and buy a Tesla Model 3 Performance
by HopeToGolf
Fri Jul 27, 2018 5:40 am
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 4910

Re: Suggest an electric car: Volt? Alternative?

I am in a similar position... My current ride is a 2009 Jetta (Golf) Sportwagen a rare bird in the US as it has the 2.0 TSFI engine like the GTI and a 6 speed. Great car just back from a 500-mile round trip with wife, son, daughter-in-law, and granddaughter, average 33MPG (on premium) and lots of b...
by HopeToGolf
Fri Jul 27, 2018 5:27 am
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 4910

Re: Suggest an electric car: Volt? Alternative?

Thanks for all the perspectives. Going to test drive volt and leaf If not in love will repair GTI (fingers crossed a cascade of $500-1k repairs don’t ensue!) It’s a known problem (leaking oil tensioner cover) and anecdotes have the engine seizing on the highway, so not an option to just let it ride...
by HopeToGolf
Wed Jul 04, 2018 8:42 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 138039

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

...... What are people using as the key decision points for LR vs. SR? How many longer trips/year makes it worthwhile if the daily driving is easily handled with SR? My specifics are below. ...... Some say buy as much range as you can afford. I decided to buy the LR despite my short daily commute. ...
by HopeToGolf
Fri Jun 29, 2018 4:55 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 138039

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

just received "design your tesla model 3" email, delivery in 3-5 months - is it impossible to predict if we'll receive tax credit/rebate? - awd is going to run around $43k, the car is for my wife, who currently drives an acura mdx, which is about the same price. Thoughts about mdx vs model 3awd? th...
by HopeToGolf
Fri Jun 29, 2018 4:49 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 138039

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

If Tesla’s viability is a factor in choosing whether or not to buy the car and some of the challenges they’ve had and business decisions are considered leading indicators of their demise, keep in mind Tesla’s history in these areas and they came through fine..... Quality issues - Yes some Model 3s h...
by HopeToGolf
Fri Jun 29, 2018 4:09 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 138039

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

Just got my invite to configure for delivery in 2-4 months. I signed up approx 3 months after the beginning so my space in line was originally estimated at 450-500,000. So: 1) Is there going to be a massive ramp up in production soon? 2) Has there been a massive amount of cancellations moving me mu...
by HopeToGolf
Tue Jun 19, 2018 10:21 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 138039

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

Edit: I would not worry about Tesla’s survival. The manufacturing of the 3 is not perfect but this car is a winner. Worst case scenario, another car company takes them out (if their valuation falls for some reason). Their lead in this space is too far for this company to fail in such a way that own...
by HopeToGolf
Tue Jun 19, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 138039

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

I'm confused. My advice, take delivery. This EV is a joy to drive. So much so that I cannot imagine buying another gasoline engine (ICE) vehicle. ... I will be interested to see how things go when the tax credit ends. It is unlikely that I would have purchased the car I did if I didn’t have the fed...
by HopeToGolf
Tue Jun 19, 2018 10:04 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 138039

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

It is unlikely that I would have purchased the car I did if I didn’t have the federal tax credit and so sales tax. At a “fully loaded” ICE-like price, I would have probably bought a different (and more expensive) car (but not a BMW 3-Series or Audi A4). I am curious - now that you have it, did that...
by HopeToGolf
Tue Jun 19, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 138039

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

I took delivery of my Model 3 about a week ago. In short, so far it is amazing. I did have a paint issue the first time Tesla tried to deliver the car so I kept my check and they gave me a Model S for a week while they made good. I won’t offer another review but I am happy to answer questions. The r...
by HopeToGolf
Thu May 24, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 35372

Re: High End Wrist Watches (Gone Crazy)

The fact is either you are a watch person or you are not. I wore my Apple Watch for months straight. It has great utility. I sold it and went back to my mechanical watches. I still rotate 2 Rolexes, and 1 IWC. I love looking at my wrist to check the time. After about month 3 with the Apple Watch, I ...
by HopeToGolf
Tue May 22, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 138039

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

I put down my $1,000 deposit for a Model 3 on April 3, 2016 after I learned I could get one for $35k. That's 2 years, 1 month, 18 days ago (778 days). Still no sign of the $35k car. Musk is a snake oil salesman. Definitely bait and switch. Very glad I cancelled my order on 2/25/17. Later, i used th...
by HopeToGolf
Mon May 21, 2018 4:04 am
Forum: Personal Finance (Not Investing)
Topic: Looking for a custom retirement savings calculator for Airline pilot Direct contribution
Replies: 14
Views: 1842

Re: Looking for a custom retirement savings calculator for Airline pilot Direct contribution

Why not just use averages for your compensation/match and the traditional calculators? Maybe I’m missing something but it just doesn’t seem like there is anything so unique here that it requires a special model. That said, if you are looking for monthly precision then yes, a special model may be nee...
by HopeToGolf
Sat Apr 28, 2018 12:38 am
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 97
Views: 12511

Re: How long have you been unemployed?

Bogleheads continue to impress me...most responding to this thread have been unemployed well below averages. Since 1994 I’ve been unemployed 2x. 1) RIF during 2001 Dot bomb. ~1 year 2) RIF during 2005. ~1 year Fortunately both times I had a decent severance. That said, I had savings to cover expense...
by HopeToGolf
Tue Apr 24, 2018 3:07 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 138039

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

One place Elon was wrong is, IMO, a $35K car is not a mass market car. The average transaction price for new cars is over $35,000, actually, according to KBB . https://mediaroom.kbb.com/average-new-car-prices-rise-2-percent-february-2018-according-to-kelley-blue-book . So, IMO, a $35K car is very m...
by HopeToGolf
Sun Apr 22, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 37965

Re: How old are you and how much do you save for retirement a year

34, spouse and I save $160-175k usd per year for retirement/misc savings on ~290k income from two full time jobs and rental income from one unit in a duplex we owner occupy. no debt. $1.2m net worth. Wow...doesn’t this mean you only spend $30-$40k? That is pretty impressive for a couple bringing in...
by HopeToGolf
Sun Apr 22, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 138039

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

Had an opportunity to sit in and drive it around a parking lot. How? Courtesy of a friend or a family or a colleague? In our area, I can not even see that car in the show room let alone sit in it. Test driving is out of question. Top Gear gave the Model 3 a great review... https://www.topgear.com/c...
by HopeToGolf
Sun Apr 22, 2018 5:28 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 138039

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

Top Gear gave the Model 3 a great review... https://www.topgear.com/car-reviews/tesla/model-3 I was invited to and did design my Model 3 on 4/6. I have a VIN (175XX), spoke to my inside sales person in Las Vegas and I am now waiting for delivery. In my case, Tesla nailed the pricing. I wanted to buy...
by HopeToGolf
Sat Mar 31, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: Wireless phone use in Italy
Replies: 18
Views: 2600

Re: Wireless phone use in Italy

Buy a SIM card in Italy and go from there. We spent almost two weeks in Italy last summer and bought a visitors plan from TIM right at the airport. It was easy and simple. One advantage is it gave us an Italian cell phone number which was great for our hotels and restaurants. We purchased the SIM fr...
by HopeToGolf
Sun Mar 11, 2018 9:49 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 9919

Re: Finally Cutting the Cord - YouTube TV

Cosmo

I considered OTA but I then would need to buy an antenna which may be visible and it still would not be a complete solution. YTTV works well.
by HopeToGolf
Sun Mar 11, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 148
Views: 16305

Re: What is your favorite reasonably priced bourbon?

Recently had Eagle Rare...quite good. Not sure if the price is reasonable at ~$32 for 750 ml but I like it.
by HopeToGolf
Sun Mar 11, 2018 7:28 am
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 9919

Finally Cutting the Cord - YouTube TV

Given the price of my FIOS triple play (TV, Internet, Phone) and the fact that I do not watch too much TV and use my mobile phone mostly, I’ve been looking to cut the cord for years. With the expiration of my latest FIOS deal I looked into it again but this time I did it because of the availability ...
by HopeToGolf
Sun Mar 11, 2018 6:46 am
Forum: Personal Consumer Issues
Topic: Verizon- Why do they treat old customers worse?
Replies: 54
Views: 10025

Re: Verizon- Why do they treat old customers worse?

They treat old customers worse because they can. Most do not switch or get the better deals. I just became a cord cutter and even the internet only price was 2x that of a new customer. What I did was my wife became the “new customer.” It did cost me some time. I had to work from home the morning the...
by HopeToGolf
Sat Jan 27, 2018 7:33 pm
Forum: Personal Investments
Topic: Understanding the impact of buying a larger house
Replies: 9
Views: 1890

Re: Understanding the impact of buying a larger house

I think it depends on when you plan to retire (sort of). The math says run don’t walk to the new home. Wifey is 10 years younger, I don’t know her working situation but once the offspring are in school, the worst case scenario is she gets a job to financially contribute to the household. This all as...
by HopeToGolf
Sat Jan 20, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Should I stop 529 Contributions
Replies: 14
Views: 2685

Re: Should I stop 529 Contributions

Do you think you will get aid (free money...not loans)? If not, run a college cost calculator using the current tuition costs of a public and private school of your choice. You can also run a future value calculation using expected inflation. Be prepared to be shocked and to keep saving (if you want...
by HopeToGolf
Fri Jan 19, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Travel to Rome Italy - Recommendations
Replies: 23
Views: 2592

Re: Travel to Rome Italy - Recommendations

Buy/borrow the Rick Steves books and/or leverage his podcasts/audio tours. We used Walks of Italy and City Wonders for various tours. They were not cheap but the small groups worked well for us and helped us understand much of what we looked at. One specific tour I recommend is, Pristine Sistine Ear...
by HopeToGolf
Sat Jan 06, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 14099

Re: How much are you putting in a 529?

No tax deduction in my state. Our goal was to fund retirement first then tackle the 529. Our goal with the 529 was to ensure that it covered 4 years at our flagship public university. Beginning the year we started funding that meant we needed to contribute ~$600/month and get average market returns....
by HopeToGolf
Sat Jan 06, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 138039

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

Absolutely not unless you're certain you can quickly flip it for a material profit. The Tesla is a relatively unreliable status car and there's no need to add range anxiety to your list of life concerns. If you want Tesla status, get a used 2014 or so with an extended warranty so you can pretend yo...
by HopeToGolf
Sat Jan 06, 2018 7:05 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 138039

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

Some days I feel like I should go with the bare bones model 3 and get it at 25k after all credits. Other days I feel like...what the hell. 49k after credits ain't that bad for something I will drive for at least 7 years :mrgreen: :sharebeer Ditto! I am not sure if the full tax credit will be availa...
by HopeToGolf
Fri Jan 05, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 138039

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

What was the sticker price of the Model 3 you spent time in? $35,000 - Model 3 $ 9,000 - Long Range $ 5,000 - Premium Package $ 1,000 - Midnight Silver Paint ---------- $50,000 I plan to sit on my reservation for standard range (unless it looks like the EV tax credit would finish its "end of next q...
by HopeToGolf
Fri Jan 05, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 138039

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

Today I got the opportunity to spend some time with a Model 3 and I have to say I was very impressed. I'm 6'0" with a footballers build and was very comfortable. The seats were quite a good bit more comfortable than my 2013 Tesla Model S. The fit and finish looked great, I back was very comfortable...
by HopeToGolf
Fri Jan 05, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 138039

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

I just got the email to configure my model 3. I haven't decided yet whether to do it. I want the big battery but not all the premium upgrades but I am afraid to lose the federal tax credit if I wait for round 2. Great! Are you an owner of another Tesla or an employee? If neither, you could be the f...
by HopeToGolf
Fri Jan 05, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 138039

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

FoolStreet wrote:
Wed Dec 27, 2017 8:37 pm
Wifey just told me she put down a reservation yesterday for me/us. I better subscribe to this thread and start researching. I figure I have at least another 12 months.
You may want to make that another 18-24 months.
by HopeToGolf
Fri Dec 29, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA with low income but high net worth
Replies: 39
Views: 4502

Re: FAFSA with low income but high net worth

There is an interesting vibe in this thread about whether someone who has considerable assets should get financial aid if they can. I know in my case, I made an assumption when my children were young that I would not qualify for any aid (other than maybe loans). Well, here I am with 2 kids in colle...
by HopeToGolf
Thu Dec 28, 2017 3:03 pm
Forum: Personal Investments
Topic: Can I afford a $600-650k house?
Replies: 60
Views: 9293

Re: Can I afford a $600-650k house?

8355ajs I do not think you should buy the house. Read the replies above, they offer great advice and insight. 1) If you need to play mental tricks to control spending and saving, you are not in a position to buy a house at the price in question. Things will be too tight for a COUPLE who cannot contr...
by HopeToGolf
Thu Dec 28, 2017 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax Online vs. Download
Replies: 34
Views: 9599

Re: Turbotax Online vs. Download

I like to be able to see the forms so I stick to downloads.
by HopeToGolf
Mon Dec 25, 2017 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 77316

Re: Fidelity free Turbotax

I just checked my fidelity account. I am offered a free TurboTax this year. I am pretty sure it was not available to me last year. Not sure what the rules are. I don't have one million dollars with Fido. Not a private client, or an active trader either. Unfortunately I already bought H&R Block prem...
by HopeToGolf
Mon Dec 25, 2017 12:07 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 77316

Re: Fidelity free Turbotax

Thanks for the heads-up and early Christmas gift. Downloaded.
by HopeToGolf
Sun Dec 17, 2017 5:09 am
Forum: Personal Finance (Not Investing)
Topic: Why am I still scared ? Is it actually normal ?
Replies: 81
Views: 15083

Re: Why am I still scared ? Is it actually normal ?

Thanks for all the posts, relieved to see that there are some people who have similar feelings... Upon thinking more, I wouldn't say that my source of worry/anxiety is my portfolio ( which I actually feel good about ) but more of the feeling of regrets of what could have been if I had taken better ...
by HopeToGolf
Thu Nov 30, 2017 6:02 am
Forum: Investing - Theory, News & General
Topic: What can we learn from BitCoin’s surge?
Replies: 37
Views: 4249

Re: What can we learn from BitCoin’s surge?

This is not complicated. This is gambling just like investing in individual stocks (or even index funds). The only questions are do you know more than the counterparty or market and will luck be on your side. There is nothing wrong with gambling. Some bets have better odds than others. Can you affor...
by HopeToGolf
Sun Nov 26, 2017 7:13 am
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 24802

Re: The fallacy of spending money on "experiences" vs hard assets

Eye surgeon Instead of thinking about what you’ve read as junk science, look at it as one way to view the world. I think experiences can add to happiness but so does stuff and money. I can imagine someone who grew up poor but made and saved lots of money (rather than spending a dime) deriving a grea...