Search found 502 matches

by emoore
Mon Apr 15, 2019 5:49 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 104
Views: 8071

Re: Luxury car recommendations?

We're lifelong savers. With some luck we're doing relatively fine financially. So we'd like to live a bit more. In the past we usually buy a brand new Camry or like, and run for 10 years and repeat. Now we are wondering if we should try a Lexus or something similar? Some background info: We are cer...
by emoore
Tue Apr 09, 2019 8:38 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 13999

Re: New 2019 RAV4 is now out - looks good

+1 You should read his thread on his CRV. Then you might understand why he's looking for a new car. I'd be doing the same. I have read the thread, how could you miss it! As a CRV owner, I can make my own judgments. Absolutely you can make your own judgments about how you feel and when you want a ne...
by emoore
Tue Apr 09, 2019 7:30 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 13999

Re: New 2019 RAV4 is now out - looks good

I'll be looking to dump my new CRV and I'll be looking hard at the RAV4 when it goes on sale. Just like that? You make people who buy an used luxury cars every 7 years look frugal. +1 You should read his thread on his CRV. Then you might understand why he's looking for a new car. I'd be doing the s...
by emoore
Mon Apr 08, 2019 8:09 pm
Forum: Personal Consumer Issues
Topic: New homeowner wants to DIY, but disappointed today
Replies: 50
Views: 4933

Re: New homeowner wants to DIY, but disappointed today

The shark bite products are fantastic if you aren't comfortable with solder joints or compression joints. All you need is a clean cut off pipe in copper, PVC, cpvc, pex, etc. No special tools required. They are more expensive but a no brainer for a DIY'er/weekend warrior type. https://www.sharkbite...
by emoore
Mon Apr 08, 2019 12:03 am
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 13999

Re: New 2019 RAV4 is now out - looks good

I'll be looking to dump my new CRV and I'll be looking hard at the RAV4 when it goes on sale. Just like that? You make people who buy an used luxury cars every 7 years look frugal. +1 You should read his thread on his CRV. Then you might understand why he's looking for a new car. I'd be doing the s...
by emoore
Sun Apr 07, 2019 10:28 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 13999

Re: New 2019 RAV4 is now out - looks good

I'll be looking to dump my new CRV and I'll be looking hard at the RAV4 when it goes on sale. Just like that? You make people who buy an used luxury cars every 7 years look frugal. +1 You should read his thread on his CRV. Then you might understand why he's looking for a new car. I'd be doing the s...
by emoore
Sun Apr 07, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18381

Re: Talk me in/out of $35k Tesla Model 3

How do the doors open if there is no power? There's still a manual release lever. The windows stay up if there's no power, though, so there's more of a possibility of damaging them when opening using the manual levers. I interpret “no power” to mean battery is fully drained or battery/electric syst...
by emoore
Sat Apr 06, 2019 10:56 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 13999

Re: New 2019 RAV4 is now out - looks good

I own 2 toyotas but would not buy one today. Lots of critical reviews and at the rate they are going them might not be around in 10 or 20 years.
by emoore
Thu Mar 21, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: When is it time for a new smartphone?
Replies: 66
Views: 3904

Re: When is it time for a new smartphone?

I usually keep mine around 4 years with a battery replace after 2 years. This usually means that I can still have the most up to date iOS.
by emoore
Sun Mar 17, 2019 7:01 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18381

Re: Talk me in/out of $35k Tesla Model 3

My understanding is that the Model 3 is expensive to own and reliability is suspect. It's comparable to some many other vehicles. Don't think it' stands that far out of the norm on either expense or reliability. I am concerned about owning it outside the warranty period and getting an expensive rep...
by emoore
Sun Mar 17, 2019 6:54 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 127
Views: 7866

Re: Tesla Model Y

Once they get production going they will be selling a million of these cars a year just in the US
by emoore
Sun Mar 17, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: What's Your Opinion on Nest Thermostats
Replies: 62
Views: 4853

Re: What's Your Opinion on Nest Thermostats

I agree that it's probably an unessary luxury over a normal programable thermostat. However one of my favorite features is to be able to turn down or up the thermostat when I'm not at home. Makes it one less thing to worry about before going on a trip.
by emoore
Mon Feb 25, 2019 7:44 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 388
Views: 28661

Re: Talk me out of buying a Tesla Model 3

I agree with ValueThinker. FoolStreet, do you think it normal for a General Counsel to last 6-8 weeks?!? Come on! They have lost their CFO and General Counsel just in the last few weeks and a ton of others last year. Imagine the important cogs who left that aren't worthy of news coverage? Musk is o...
by emoore
Sat Feb 23, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 388
Views: 28661

Re: Talk me out of buying a Tesla Model 3

^^well, sure, but to me, a price cut, is not 'haggling'. A price cut is available to all and the new price is published on the website. But that new price itself cannot be haggled downward on a brand new car. of course, if one waits long enough, the even less costly (and less optioned?) $35k model ...
by emoore
Wed Feb 20, 2019 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: 4% SWR - how confident are you?
Replies: 117
Views: 8036

Re: 4% SWR - how confident are you?

how confident are you? I'm confident that the 4% SWR is not as good as almost all of the newer retirement spending plans that have been developed to address the specific faults of the SWR method. How does your 25 year old car, phone, or computer, compare to the current ones? That's not a fair or go...
by emoore
Wed Feb 20, 2019 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: 4% SWR - how confident are you?
Replies: 117
Views: 8036

Re: 4% SWR - how confident are you?

3% is the new 4% rule - Larry Swedroe. William Bernstein has also recommended this for those under 70. 4% was derived from significant back testing, given all its limitations. What is the 3% based upon? Speculation. Exactly. 4% is the worst case and people still want to use 3% or even 2%. I guess t...
by emoore
Tue Feb 19, 2019 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Were you 100% debt free at retirement
Replies: 163
Views: 10013

Re: Were you 100% debt free at retirement

I think you are debt free even if you have a mortgage. Technically its not but I could sell my house and rent and then claim to be debt free which I don't think is any better than someone with a mortgage.
by emoore
Thu Feb 14, 2019 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a 2019 RAV4 hybrid - how to pay for it?
Replies: 76
Views: 3782

Re: Buying a 2019 RAV4 hybrid - how to pay for it?

Miles per gallon is a non-linear metric, so the difference between 39 and 50 MPG is actually quite small - about 112 gallons for 20,000 miles of driving, or about $400/year in fuel cost at $3.50/gallon. Not a big enough savings to worry about if you'd rather drive the Rav4. It's also about 2200 lbs...
by emoore
Thu Feb 14, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 39313

Re: Mr. Money Mustache, SWR, and equity allocation

I haven't really seen models of 5% of a portfolio annually. Seems like that should always work you just might not have much to spend if things go wrong. But then 10% annually could also work, by definition it would never go to 0. Setting and keeping a low % inflation-adjusted SWR _guarantees_ you w...
by emoore
Tue Feb 05, 2019 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: What do you think are (some of) the best states to live in?
Replies: 144
Views: 13302

Re: What do you think are (some of) the best states to live in?

Any opinions on Idaho? I'm looking for a retirement place near mountains and a large lake where I can finally own a fishing boat and fish most of the day. I currently live in Colorado which is nearly the perfect state for me but there is not a lot of water here and summers are getting a bit too hot...
by emoore
Tue Feb 05, 2019 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: What do you think are (some of) the best states to live in?
Replies: 144
Views: 13302

Re: What do you think are (some of) the best states to live in?

Any opinions on Idaho? I'm looking for a retirement place near mountains and a large lake where I can finally own a fishing boat and fish most of the day. I currently live in Colorado which is nearly the perfect state for me but there is not a lot of water here and summers are getting a bit too hot ...
by emoore
Fri Feb 01, 2019 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in checking?
Replies: 135
Views: 10537

Re: How much do you keep in checking?

I keep $5k in my checking account at the end of the month. Anything over I move into savings.
by emoore
Tue Jan 29, 2019 9:51 pm
Forum: US Chapters
Topic: How Did You End Up Here?
Replies: 65
Views: 4840

Re: How Did You End Up Here?

I found my way here through a Chicago Cubs forum. There was a thread about other great forums that people visit and this was listed a few times. So glad I found this forum before I listened to Jim Cramer even more.
by emoore
Sun Jan 27, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Car maintenance - dealer or independent shop?
Replies: 51
Views: 2690

Re: Car maintenance - dealer or independent shop?

I tend to do most car work myself. But for things I can't do, I have an excellent independent shop nearby I use who is honest and does good work at reasonable prices. I use the dealer for recall and warranty work only. +1. I do as much as I can myself. And I have a trusted independent shop that I g...
by emoore
Thu Jan 24, 2019 7:00 pm
Forum: Personal Consumer Issues
Topic: Thoughts on the "last" car before electric vehicle
Replies: 52
Views: 4511

Re: Thoughts on the "last" car before electric vehicle

I almost bought a VW all track to replace my GTI because I wanted more room and AWD. Seems like a good car and you can get fantastic deals and still get one with a manual transmission. If I needed a new car right now that would probably be the one. Since I don't need one right now I'm holding out fo...
by emoore
Thu Jan 24, 2019 5:13 pm
Forum: Personal Consumer Issues
Topic: Do you carry gas cans, mowers, string trimmers, etc in your car or SUV?
Replies: 48
Views: 3097

Re: Do you carry gas cans, mowers, string trimmers, etc in your car or SUV?

We went electric many years ago partly to avoid dealing with procurement, transport, storage and burning of hazardous materials like gasoline. +1. I did the same thing. Granted I have a relatively small yard but it's so much nicer not to have to service the mower or trimmer or and gas motor now.
by emoore
Thu Jan 03, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Saving for house vs saving in taxable acct
Replies: 5
Views: 444

Re: Saving for house vs saving in taxable acct

I think it depends on if you use a savings account or VTSMX for your house down payment. Do you want to make sure the ~$100k is there when you buy a house? If so then a savings account, otherwise if you are ok with either waiting to buy a house if the market is down or putting less down payment then...
by emoore
Wed Dec 12, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 102
Views: 5546

Re: Volkswagen Reliability

I have a 2011 GTI and just hit 90k miles. Had one thing replaced under warranty (High pressure fuel pump). Nothing since except routine maintenance. One of the most reliable cars I've owned.
by emoore
Thu Dec 06, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 53
Views: 4586

Re: Please Recommend a New Car for Me

The Golf doesn't come with AWD--or that would be my first choice. The Golf does come with AWD The Golf Alltrack has AWD. Some other less expensive Golf trims have 4Motion AWD as a standard or optional feature +1. I drive a manual VW GTI and love it. If you are interested in driving a manual the All...
by emoore
Sun Nov 25, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: Best city car
Replies: 20
Views: 2079

Re: Best city car

Thanks all for suggestions .. Lots of fans for Mazda 3 - I am going to give it serious look. I am leaning towards getting a Prius - great milage, and comfortable seating as you mentioned. Although 2019 Camry Hybrid has similar milage albeit at higher price. I have looked at electric, but the though...
by emoore
Sun Nov 11, 2018 7:02 pm
Forum: Personal Consumer Issues
Topic: Best city car
Replies: 20
Views: 2079

Re: Best city car

How many miles do you need to drive a day and do you have access to a power outlet? If so a used leaf might be a good choice. Very inexpensive and cheap to run.
by emoore
Fri Oct 26, 2018 2:01 pm
Forum: Personal Investments
Topic: Buying an investment condo in Panama City Beach
Replies: 16
Views: 2602

Re: Buying an investment condo in Panama City Beach

We've been talking about possibly buying an investment condo on the ocean in PCB. We are thinking that since the hurricane devastated the area, we could possibly find a one bedroom condo on the cheap. That said, we would be willing to spend 200k on a nice unit. What is the potential ROI on a nice o...
by emoore
Thu Oct 25, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 Owners: Your experience so far
Replies: 80
Views: 11892

Re: Tesla Model 3 Owners: Your experience so far

MrNo wrote:
Thu Oct 25, 2018 10:57 pm
I placed an order on Monday and today @11 I got notified that they are scheduling personal delivery on Saturday, 5 days later. Exciting.
Nice. Congrats.
by emoore
Thu Oct 25, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 388
Views: 28661

Re: Talk me out of buying a Tesla Model 3

Have Model S 6 years and Model X three years. By far most enjoyable cars we have ever owned. Physician son and his wife have Model 3 in Cincinnati. They love the car. Suggest getting dark blue. Good luck. The best part of these Tesla threads is that I can always count on jdb reminding us that he ha...
by emoore
Tue Oct 09, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 388
Views: 28661

Re: Talk me out of buying a Tesla Model 3

I think that this is an easy one. Just google or duck duck go the following on images: "Teslas on fire". That will sort you out. I love the look of the interior, however sitting directly on top of a platform packed full of AA liquid batteries with no apparent thoughts as to fire barriers..............
by emoore
Wed Sep 26, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: 2011 Nissan Altima - Transmission Failure
Replies: 20
Views: 1424

Re: 2011 Nissan Altima - Transmission Failure

Don't buy CVT. Get a 2nd opinion. Sell the car and buy a different one? Pay cash of course :) +1. I'll never buy a CVT. But I'll probably never by a car with any type of transmission again. I think you commented on not buying a car with differential fluid in another topic. You should look up the us...
by emoore
Wed Sep 26, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: solar panels with payback of 8-10 years?
Replies: 24
Views: 2382

Re: solar panels with payback of 8-10 years?

Thanks. We do have simple electric rates and a form of net metering, where you can get a full retail credit for the next month, and then any cumulative annual excess as of April is paid at the wholesale rate. My expectation is that we won't have a cumulative annual excess under that system (and I t...
by emoore
Wed Sep 26, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: 2011 Nissan Altima - Transmission Failure
Replies: 20
Views: 1424

Re: 2011 Nissan Altima - Transmission Failure

emanuel_v19 wrote:
Wed Sep 26, 2018 8:31 pm
Don't buy CVT.

Get a 2nd opinion.

Sell the car and buy a different one? Pay cash of course :)
+1. I'll never buy a CVT. But I'll probably never by a car with any type of transmission again.
by emoore
Thu Sep 20, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Hubby soon to be laid off
Replies: 74
Views: 7987

Re: Hubby soon to be laid off

How much do you estimate you need in retirement? I think you need to make a budget. You don't seem in that bad of shape. the $2800 mortgage is tough though. Can you sell the house and downsize? You have over $500k in equity so maybe you can buy a smaller house.
by emoore
Sun Sep 16, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Last Minute Tesla Referral Code
Replies: 2
Views: 434

Re: Last Minute Tesla Referral Code

Güero wrote:
Sun Sep 16, 2018 6:11 pm
Does anyone have a Tesla referral code that allows for free supercharging?

If so, could you post or PM?

Thank you
Check electek.com too
by emoore
Sat Sep 15, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: Solar Install w/ SolarCity
Replies: 36
Views: 2667

Re: Solar Install w/ SolarCity

Interesting analysis. As others have mentioned, that is too long of a break-even to interest me. Here in Arizona, solar sounds great, but there is quite a penalty from the electric company (fees) for going with solar. We looked into it, but our relatively low use of AC would make the payoff even lo...
by emoore
Sat Sep 15, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Use 401k loan to pay off student loan debt?
Replies: 8
Views: 875

Re: Use 401k loan to pay off student loan debt?

Thanks for the comments so far! I don't kick off enough dividends from taxable to make a meaningful dent, I usually add around $2K a month to taxable investments. Our retirement accounts are all three-fund but my taxable is where I gamble a bit This exchange would actually free up some additional c...
by emoore
Sat Sep 15, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: Solar Install w/ SolarCity
Replies: 36
Views: 2667

Re: Solar Install w/ SolarCity

Congrats. We are probably doing the same. Will have Tesla install panels. Don’t have an EV yet but will get one soon. You should be proud and excited with the difference you are making.
by emoore
Thu Aug 30, 2018 10:18 pm
Forum: Personal Investments
Topic: Pay off student loan with ROTH contributions
Replies: 16
Views: 1242

Re: Pay off student loan with ROTH contributions

I find this a fascinating topic because I'm considering the same thing. The funny thing is if you rephrased the question as should I pay off my 6% SL or invest in a Roth IRA, I would be the answers would be completely different. I doubt it, 6% is about borderline for where the cut off would be to c...
by emoore
Thu Aug 30, 2018 9:53 pm
Forum: Personal Investments
Topic: Pay off student loan with ROTH contributions
Replies: 16
Views: 1242

Re: Pay off student loan with ROTH contributions

I find this a fascinating topic because I'm considering the same thing. The funny thing is if you rephrased the question as should I pay off my 6% SL or invest in a Roth IRA, I would be the answers would be completely different.
by emoore
Wed Aug 22, 2018 10:17 pm
Forum: Personal Investments
Topic: Invest or Pay off Student Loans
Replies: 40
Views: 2291

Re: Invest or Pay off Student Loans

I’d max out your retirement and pay any extra toward the loans. You’ll probably come out ahead in 10 years doing that.
by emoore
Mon Aug 20, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 954
Views: 137278

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

To add insult to injury, the maintenance minder says that my CRV needs a rear differential fluid change with 13,000 on the OD which bills at about $180 or so. What!!!! I think I'll just pour a little gas into the diffy. Should be cheaper and Honda thinks fuel dilution is OK. This is easy and inexpe...
by emoore
Fri Aug 17, 2018 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Are Roth conversions a no-brainer for me?
Replies: 22
Views: 2371

Re: Are Roth conversions a no-brainer for me?

Hi, OP here again. My thanks to y'all for the feedback and advice, I'm much obliged. I've been doing a little math, and consulting the IRS RMD distribution table. The current balance in my traditional IRA is $432,000. I think what I'll try to do is draw that down via Roth conversions over the next ...
by emoore
Thu Aug 16, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Sign - Speed checked by Radar
Replies: 41
Views: 3105

Re: Sign - Speed checked by Radar

Are speed limits relevant in the era of self driving vehicles? When that day comes I wouldn't be surprised if maximum speeds are required to be put into the vehicles's programming. That would make it a true "limit" rather than a stern suggestion with a potential penalty. If speed limits are impleme...