Search found 2071 matches

by BrandonBogle
Wed Jul 11, 2018 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Northern Bank Direct MM - 2.26% APY (offer ended 6/20/18)
Replies: 22
Views: 3020

Re: Northern Bank Direct MM - 2.26% APY (offer ended 6/20/18)

Kevin M wrote:
Wed Jul 11, 2018 2:47 pm
I'm a bit bummed, as I just found and opened a local savings account at 2.50% guaranteed through 12/31/2019!

Kevin
That is an awesome rate. Great find!
by BrandonBogle
Wed Jul 11, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103984

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

The Federal tax incentive runs at 100% for two quarters upon hitting 200k U.S. cars for that manufacturer, including the quarter 200k is reached. Then it is 50% for two more quarters and finally 25% for two more. So if Tesla hits 200k anytime before Sept 1, the full $7,500 credit is available until ...
by BrandonBogle
Wed Jul 11, 2018 6:20 am
Forum: Investing - Help with Personal Investments
Topic: Northern Bank Direct MM - 2.26% APY (offer ended 6/20/18)
Replies: 22
Views: 3020

Re: Northern Bank Direct MM - 2.26% APY (offer ended 6/20/18)

I have faith they will honor the rate Just wanted to mention that yesterday 7/10 I received my signature card and account disclosures dated June 29th. The disclosures state I will get the 2.26% APY for $0.01-$250k and it is guaranteed through June 30, 2019. While as Kevin mention this account proce...
by BrandonBogle
Fri Jul 06, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle is not a "buy&hold at any price goose", he looks at valuations, he sold his stocks in year 2000
Replies: 48
Views: 6580

Re: Jack Bogle is not a "buy&hold at any price goose", he looks at valuations, he sold his stocks in year 2000

By reading this forum I have always felt like most users here think CAPE and other stocks valuations are useless. The only motto for many people seems to be: "buy&hold, never mind stocks valuations, just buy&hold!" It's just called "buy&hold"; You don't actually just hold your stocks and bonds! Wha...
by BrandonBogle
Fri Jul 06, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Owning 3 vehicles
Replies: 30
Views: 3016

Re: Owning 3 vehicles

While you’ve said the Leaf is used for commuting and HOV lane access, what role does the Prius serve? If this is truly just a “too small for regular excursions” function vs. “we want to treat ourselves” function, I’d be leaning towards changing the Prius. But if the regular excursions are currently ...
by BrandonBogle
Thu Jul 05, 2018 11:44 pm
Forum: Personal Consumer Issues
Topic: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?
Replies: 19
Views: 1553

Re: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?

All good points (though in NC with our two service centers, I've never experienced a wait and the only time I had to wait to Supercharge was during the Solar Eclipse a couple months back - a whole 45 second wait while someone ran up and moved their car when I pulled up). And when you consider most o...
by BrandonBogle
Thu Jul 05, 2018 10:56 pm
Forum: Personal Consumer Issues
Topic: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?
Replies: 19
Views: 1553

Re: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?

Just another word now that we have more “big picture” details. The 2012 Vilt will be a fine vehicle and you can’t go wrong with it. That said, if you want to treat yourself and have options, you could get the Model ≡ and keep the Volt for work. You already have an X, so it may be fine to just take D...
by BrandonBogle
Thu Jul 05, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4046

Re: Is there a current car without a console between the front seats?

Like a few other posters suggested, the Honda Fit would potentially work even though it technically has a center console. If you get the prior generation (and thus being Bogleheadish and buying used) it would look like this. The driver’s seat has an armrest that folds up, the passenger side doesn’t ...
by BrandonBogle
Thu Jul 05, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103984

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

As skeptical as I am about recent Teslas, I am a huge fan of EVs. Especially in an urban environment. I have ChargePoint charger which knows my electricity rates. According to the App I drove 683 miles in June and it cost me $21. Would have been $181.42 in the BMW X1. I like their charts. The cost ...
by BrandonBogle
Thu Jul 05, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103984

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

This means the usual behavior of always refilling a gas tank to full is not necessary even for long trips, and instead using the Supercharger just enough to get to the destination can be sufficient, so one doesn't need to always compare the time to completely refill a gas tank vs time to completely...
by BrandonBogle
Thu Jul 05, 2018 10:37 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle is not a "buy&hold at any price goose", he looks at valuations, he sold his stocks in year 2000
Replies: 48
Views: 6580

Re: Jack Bogle is not a "buy&hold at any price goose", he looks at valuations, he sold his stocks in year 2000

In all fairness to Bogle, he was also motivated to de-risk his portfolio at that time because his health was failing him. He wanted to make sure his estate was safe. True! But he still says "if for whatever sound reason, and not emotional reason, and market looks substantially overvalued (don't wor...
by BrandonBogle
Thu Jul 05, 2018 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Can't participate in 401k for 1 year
Replies: 33
Views: 2427

Re: Can't participate in 401k for 1 year

My employer has a similar, but not quite 401k. It is a safe harbor plan and it has a one-year period before employer contributions. That said, you can begin employee contributions almost immediately (I think it is actually the beginning of the month after hire) - they will just be unmatched until yo...
by BrandonBogle
Thu Jul 05, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103984

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

so for this particular trip, I would probably need less than 5 minutes of supercharging. If you factor in not needing to deal with a credit card transaction, entering zip code, selecting grade, etc; it could be more convenient supercharging a SR than our current gas vehicle. Hmm.. maybe we could ju...
by BrandonBogle
Thu Jul 05, 2018 1:15 am
Forum: Personal Consumer Issues
Topic: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?
Replies: 19
Views: 1553

Re: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?

The credit will remain for the rest of the year and you are very likely to get one ordering anytime in July. Folks in the past week are already being scheduled for delivery. Any particular reason why you aren’t considering the Bolt vs. the new Volt? I saw because I’ve heard there are some good deals...
by BrandonBogle
Thu Jul 05, 2018 1:10 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103984

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

That's a net effective price difference of $5,250 all other options being equal (and we would lean toward PUP anyway). 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? That’s where we are a...
by BrandonBogle
Thu Jul 05, 2018 12:36 am
Forum: Personal Consumer Issues
Topic: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?
Replies: 19
Views: 1553

Re: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?

My earlier opinion would change if you would get a stipend for buying a vehicle for work purposes (one of my hospital techs gets that, which is great as he drives 50k mile/year regionally). My earlier thoughts were based on this coming out of the Op’s own pocket vs. the employer’s.
by BrandonBogle
Thu Jul 05, 2018 12:34 am
Forum: Personal Consumer Issues
Topic: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?
Replies: 19
Views: 1553

Re: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?

I’m going to be the contrarian here. If this is going to predominantly be your commuting vehicle, I would drive the 2012 into the ground. I’m a Tesla Model S Owners. I love my car and after a year of keeping my Toyota alongside it, I kept just the S. That said, at 25k miles/year, you would only get ...
by BrandonBogle
Sun Jul 01, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103984

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

Similar to the $35k Model 3, everyone who ordered one was eventually able to get one. :) Maybe. Or maybe this discontinue the 35k model due to lack of demand before shipping any:) And for what it is worth I am not really making fun of Tesla. There are tons of cars out there where it is tough to fin...
by BrandonBogle
Fri Jun 29, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103984

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

Wow, $61k. That's too much for this vehicle. But that's just me. I was interested at $35k (with $7,500 credit). Perhaps I would consider a few options at $45k max. If you look at Teslas history, nobody should have expected a 35k car. I want to say the Model S was a 55k car when announced:) The ques...
by BrandonBogle
Fri Jun 29, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103984

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

As others have reported, taking a "non-refundable" down payment on the vehicle once your lock your order is standard practice for Tesla. Taking the down payment/deposit is customary for all manufacturers - though I suspect that many would make the it "refundable* - * = subject to the dealer finding ...
by BrandonBogle
Fri Jun 29, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 156
Views: 16491

Re: IRS publishes draft 2018 1040 - Huge changes made

The modern use of the word "Luddite" was coined by high-tech industries that benefit from addicting people to their products (smartphones) and services (Facebook and other social media). At the same time, schools teach mathematics as plugging numbers into algorithms rather than teaching identificat...
by BrandonBogle
Wed Jun 27, 2018 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Northern Bank Direct MM - 2.26% APY (offer ended 6/20/18)
Replies: 22
Views: 3020

Re: Northern Bank Direct MM - 2.26% APY (offer ended 6/20/18)

My account was opened a couple days after my last post. They asked if I wanted to email my routing and account number for my opening deposit, or mail a check. I chose the latter. Waiting on the docs so I can mail in that check. I’ve started getting some emails, but I don’t have an account number of ...
by BrandonBogle
Tue Jun 26, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103984

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

The decision on whether to take delivery or not for a model 3 seems to hinge on 2 things. Do you believe that Tesla has solved the quality issues and that the cars being produced today will have low number of issues in both short and long term? And, do you believe Tesla will be in business for many...
by BrandonBogle
Mon Jun 25, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 161
Views: 14720

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

I'm surprised to see a majority of you barely noticed or cared! I guess it all depends on your perspective. Sure, it's just a number and your life doesn't change from when you had $990,000, but it's the milestone that counts. ... $1m is probably the biggest mark one can hit, and while nothing chang...
by BrandonBogle
Mon Jun 25, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 161
Views: 14720

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

DW and I did nothing as it was "impalpable" to both of us. Many digits later, same thing. Although we do enjoy grocery shopping without worrying about the bill. Or going to Walmart and buying what we need without fussing about the costs. Lifestyle is the same so I'm not sure what or why to celebrat...
by BrandonBogle
Thu Jun 21, 2018 12:19 pm
Forum: Investing - Theory, News & General
Topic: VEUSX Time To Sell?
Replies: 17
Views: 818

Re: VEUSX Time To Sell?

The offerings in my 401k are all actively managed, so that is probably part of the reason the international has lagged. I only have a few choices and it turned out the international one was not the best. I think I also have better choices in the open market than VEUSX. I think it was Buffett that s...
by BrandonBogle
Wed Jun 20, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103984

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

Remember that no other EV is close to reaching the fed tax sales limit. so once they reach that limit (3 to 5 years at a minimum), TSLA should hit the first phase-out cap (200k deliveries) in the coming days. If after July 1 for the 200,000'th delivery, the current federal tax credit gets cut in ha...
by BrandonBogle
Wed Jun 20, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103984

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

I reserved a Model 3 on April 3, 2016. I cancelled in Feb 2017 after I realized Musk lied and there would never be a realistic opportunity to buy a $35k Model 3. I think this where some folks fundamentally disagree (at least in this thread). I totally believe there will be a "realistic opportunity ...
by BrandonBogle
Mon Jun 18, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 68
Views: 4822

Re: "distilled" water for wife's CPAP machine

While my instinctual reaction to your question is "no", I honestly am just expressing an opinion without any support. That said, is finding the distilled water a concern? I buy a gallon of it about once every 2-3 months for $0.78 while I'm out for groceries anyways (my CPAP is the only item I use it...
by BrandonBogle
Mon Jun 18, 2018 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Northern Bank Direct MM - 2.26% APY (offer ended 6/20/18)
Replies: 22
Views: 3020

Re: Northern Bank Direct MM - 2.26% APY

I emailed back to see if I could get clarification sooner and got a reply stating that a freeze on my ChexSystems account prevented the approval process from proceeding. When I spoke to the CSR yesterday though, they said the bank performs a soft pull and didn't think the freeze would prevent it. A...
by BrandonBogle
Fri Jun 15, 2018 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Northern Bank Direct MM - 2.26% APY (offer ended 6/20/18)
Replies: 22
Views: 3020

Re: Northern Bank Direct MM - 2.26% APY

Update: I received a form letter email today stating the following... Hello, Unfortunately at this time we will not be able to process your application. We will be sending a letter in the mail with further information on this matter. Thank you, I emailed back to see if I could get clarification soo...
by BrandonBogle
Thu Jun 14, 2018 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Sell T & buy VZ to realize a $10,000 loss?
Replies: 14
Views: 1030

Re: Sell T & buy VZ to realize a $10,000 loss?

When I first became a Boglehead, I did hold a number of individual stocks. In balancing my portfolio, I lumped all of them together and called them "Individual stocks similar to S&P 500 members". I then count that as part of my S&P 500 composition and use a completion index to mimic Total US Stock M...
by BrandonBogle
Thu Jun 14, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Google voice in Europe
Replies: 5
Views: 311

Re: Google voice in Europe

I've occasionally connected to the Google Voice website from other countries without issue. You can do so from a laptop, public internet cafe (I would NOT recommend this though), a phone, etc. Nothing restricting GV as long as the Internet connection you are using lets you get to the website. An alt...
by BrandonBogle
Thu Jun 14, 2018 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Russell 2000 Opinions
Replies: 8
Views: 699

Re: Russell 2000 Opinions

While I can't comment on DFSTX, my 401k offers a Russell 2000 Index Fund in addition to an S&P 500 Index Fund. Sadly, there is no Total US Stock Market fund in my 401k. Since I am a 3-fund portfolio, I use these two funds in my 401k to approximate Total US Stock Market. There is wiki entry about the...
by BrandonBogle
Mon Jun 11, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103984

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

I also reserved a model 3 with a 1k deposit. After waiting at least a year for delivery, I decided that the price had become too rich for me. So I cancelled my reservation and received a return of my deposit. I am now thinking that a chevy volt would work best for my wife and I. We seem to travel m...
by BrandonBogle
Mon Jun 11, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103984

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

It is not a sound financial decision to spend a lot of money on a car. Knowing that, I ordered the AWD, not because its 0-60 time is 0.6s seconds less than the RWD equivalent, but because I expect better handling in the snow. Looking forward to taking delivery in a few months. Worst financial decis...
by BrandonBogle
Mon Jun 11, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103984

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

For me, the touchscreen isn't an issue. Almost all the controls I normally access when driving are on the stalks and scroll wheels/buttons. The only exception is the wipers if I want to override the auto setting. In that case I need to touch the screen once. I guess if I routinely adjusted the mirr...
by BrandonBogle
Fri Jun 08, 2018 1:32 pm
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 7717

Re: VMMXX (Vanguard Prime MM) risks

On a related note, I hadn't noticed VMMXX got up there recently, with it's SEC Yield around 1.9% at this point. If the risk of breaking the buck is acceptable to an investor, anyone see a reason to not move funds from Ally @ 1.6% into VMMXX ?
by BrandonBogle
Fri Jun 08, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: Maturing Credit Union 3% CD's this year
Replies: 37
Views: 3461

Re: Maturing Credit Union 3% CD's this year

I've been getting 2.85% or better on secondary market at Fidelity. Higher yield than the 5-year Treasury and much less term risk. New-issue 3-year CD is 3.00%, and I've been getting 3.07% or better on secondary market. Kevin, I have a Fidelity Brokerage account (taxable though). From what I can tel...
by BrandonBogle
Fri Jun 08, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103984

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 BrandonBogle
Fri Jun 08, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103984

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

I don't think this is just a limitation of Tesla's AutoPilot, but that is the system I am familiar with and will focus on that. One (major) limitation in AutoPilot (and potentially all driver assist systems on the market today) is that they do not deal with stationary, unmoving objections very well...
by BrandonBogle
Fri Jun 08, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: Maturing Credit Union 3% CD's this year
Replies: 37
Views: 3461

Re: Maturing Credit Union 3% CD's this year

I've been getting 2.85% or better on secondary market at Fidelity. Higher yield than the 5-year Treasury and much less term risk. New-issue 3-year CD is 3.00%, and I've been getting 3.07% or better on secondary market. Kevin, I have a Fidelity Brokerage account (taxable though). From what I can tel...
by BrandonBogle
Fri Jun 08, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103984

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

So, regarding one of the recent Autopilot crashes, the NTSB issued its report. It looks like the car didn't just fail to break, but actually accelerated from 62 to 70 mph 3 seconds before the fatal crash. The driver appears to have had hands off the wheel at that time. Both are at fault, but I'm no...
by BrandonBogle
Mon Jun 04, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: steel cut oats in bulk
Replies: 50
Views: 4192

Re: steel cut oats in bulk

This is off-topic but does not deserve its own thread. Normally, I avoid carbohydrates and thus I avoid grains. But as an experiment, I have purchased some steel-cut oats at Whole Foods, from a bulk bin where I could get a small quantity at a good price. I then surfed the web for advice on eating u...
by BrandonBogle
Mon Jun 04, 2018 7:27 am
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 89
Views: 7373

Re: What is your Take Home Pay / Gross Pay ratio?

I will throw my hat in this ring, but like others have said, it isn't as meaningful when you don't look at all the variables (such as how I max out my 401k annually or the bonus that has been paid every year). I generally have a tax refund or balance due around $0 - $250. 58% A better measure would ...
by BrandonBogle
Fri Jun 01, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Any reasons to not put money down for a Tesla Model 3?
Replies: 45
Views: 3020

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

Well here is an excellent reason not to put money down on a Model 3. An absolutely horrid, scathing review of its build quality, quality control, etc. The Model S is already the most expensive car to insure in the US. The Model 3 will likely be similar and is not made to the standards of other manu...
by BrandonBogle
Tue May 29, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: GFCI trips when toaster oven turned on
Replies: 33
Views: 1876

Re: GFCI trips when toaster oven turned on

The neutral for the GFCI is wired to a point that is behind where the neutral for the toaster line is being taken off ? Hence the return current from the toaster flows through GFCI neutral return (but not the through the GFCI live side, hence GFCI is imbalanced and trips but toaster continues to op...
by BrandonBogle
Thu May 24, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America ATM card not working internationally
Replies: 38
Views: 2572

Re: Bank of America ATM card not working internationally

I've seen this issue before if the debit card has access to both checking and savings accounts. Some ATM's don't deal with the choice and you have to keep trying, although in past experience I don't remember having to try more than 4 or 5. The big bank suggestion above is a good one, their ATM's sh...
by BrandonBogle
Thu May 24, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103984

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

Brandonbogle, depending on your financial situation maybe keep the 2nd reservation and roll it over to Model Y next year? The USD$1k is not a financial concern. That said, people I know (Tesla owners) were able to create reservations in 2017 and already be open for configuration. As such, I saw no ...
by BrandonBogle
Thu May 24, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103984

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

Have not been reading this overly long thread, unfortunately too many posters without Model 3 reservations who apparently just like to vent their dislike of Tesla or Elon Musk. Have no interest in reading their posts, with all due respect there are plenty of places on internet for that but believe ...