Search found 475 matches

by emoore
Wed Dec 12, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 97
Views: 4268

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: 52
Views: 3974

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: 2014

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: 2014

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: Investing - Help with Personal Investments
Topic: Buying an investment condo in Panama City Beach
Replies: 16
Views: 2538

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: 75
Views: 10755

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: 318
Views: 21722

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: 318
Views: 21722

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: 1332

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: 2311

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: 1332

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: 7909

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: 418

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: 2630

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: 834

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: 2630

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: Investing - Help with Personal Investments
Topic: Pay off student loan with ROTH contributions
Replies: 16
Views: 1209

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: Investing - Help with Personal Investments
Topic: Pay off student loan with ROTH contributions
Replies: 16
Views: 1209

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: Investing - Help with Personal Investments
Topic: Invest or Pay off Student Loans
Replies: 40
Views: 2254

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: 727
Views: 107845

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: 2287

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: 3005

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...
by emoore
Tue Aug 14, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3567

Re: Best consumer products - made in USA

I’ll go with the controversial choice, Tesla. More manufacturing in the USA than Apple.
by emoore
Sun Aug 12, 2018 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 130
Views: 6761

Re: how much car can we afford?

AlphaLess wrote:
Sun Aug 12, 2018 7:16 pm
PFInterest wrote:
Sun Aug 12, 2018 10:12 am
really, you dont even say what you are looking at?
why is this a serious question?

you can afford a used Civic.
Too expensive, IMO.

Need a cheaper car.
Ha! yeah right.

I really like this site but buying cars is where this site fails.
by emoore
Thu Aug 09, 2018 8:24 am
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 26169

Re: Invest in Tesla?

think there will be quite a few surprises in the auto industry in the next 10 years. Might even be some very long lived companies filing for bankruptcy. I wouldn't consider Tesla a long lived company... Tesla going under wouldn't be a surprise to many so your comment doesn't make any sense.
by emoore
Wed Aug 08, 2018 9:11 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 26169

Re: Invest in Tesla?

The other manufacturers will have to be dragged kicking and screaming into electric vehicles, no matter how many models they promise, concept artwork they release, etc. Mitsubishi, Nissan, Ford, and Volvo all had regular production EV's on the market before Tesla (not counting the original roadster...
by emoore
Tue Aug 07, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 55
Views: 5129

Re: Is solar power for your home a worthwhile investment?

I'll probably be going solar in the next few months. My calculations shows that I'll break even around 7 years assuming constant utility rates (no increase for inflation). I'm doing it mainly for environmental reasons and because I'll be getting an EV or two soon. I'd like to have a battery backup b...
by emoore
Sun Jul 29, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Why dont people sit outside more? And how to deal with bugs?
Replies: 50
Views: 5605

Re: Why dont people sit outside more? And how to deal with bugs?

After growing up in a place with a lot of bugs (Chicago) then moving to a place with very few bugs (Denver) I would never live in a place where I'm limited to the amount of time outside due to bugs. I love sitting outside on my porch nearly every day. Couldn't do that in Chicago.
by emoore
Fri Jul 27, 2018 12:03 am
Forum: Investing - Help with Personal Investments
Topic: 401k loan for car payoff - bond allocation used
Replies: 13
Views: 1216

Re: 401k loan for car payoff - bond allocation used

Nissanzx1 wrote:
Thu Jul 26, 2018 11:29 pm
Most 401K loans are due when you or your employer terminates employment. Just something to consider in addition to the money not being at play in the market...
Not anymore. The law has changed.
by emoore
Fri Jul 13, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 114320

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

I think it's irresponsible and careless to purchase a model3. Musk promises have proven to be lies, and he's still going. Good chance Tesla folds in a year or so. In an alternate universe, Tesla only builds the Model S, and it's the finest vehicle on the road. Give it a rest already. How is it irre...
by emoore
Thu Jul 12, 2018 12:05 am
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 99
Views: 10148

Re: What rate of return are you using for retirement projections?

I assume historical returns. About 7% real for stocks and 3% real for bonds. I don’t think there is better data for me to base my estimates in than the historical returns.
by emoore
Fri Jul 06, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 6421

Re: Going solar?

Really depends on what reason you want to go solar. If it’s environmental reasons then it’s almost always worth it. If it’s financial reasons only then it might not be worth it if your electricity is cheap. How much is your electricity costs per kWh?
by emoore
Sat Jun 30, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: replace old central AC unit?
Replies: 32
Views: 2616

Re: replace old central AC unit?

HVAC guys will tell you that even the best, newest air conditioners will be under strain in 95º+ temps. I'm sure a newer unit will save you $ on your power bill and probably be better at cooling. I just bought a Trane XR15. Totally new system and new duct work in a bungalow I'm flipping. I ran it t...
by emoore
Sat Jun 30, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Any Reason to Keep My "Landline" Phone?
Replies: 65
Views: 4432

Re: Any Reason to Keep My "Landline" Phone?

Haven’t had a land line in 15+ years. Haven’t had one occasion that I needed it. Just a waste of money to me.
by emoore
Sat Jun 30, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 114320

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

And I love it that people hate just like that too. It's only a car people. They are leading the EV transition similar to apple and the smart phone transition. Not sure why people hate Tesla so much. Ha, fair enough. I want to give you a shout out for a fair criticism earlier about the competition. ...
by emoore
Sat Jun 30, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 70
Views: 4513

Re: hybrid or plug-in electric car

[My physician had a brutal auto accident last year, in a BMW, and had the engine cause significant injury to her legs, hips, etc. She is lucky to be alive. She drives a Tesla now, in large part for the crumple zone. I would recommend a Ford F-350 Super Duty. Size and weight better than crumple zone...
by emoore
Sat Jun 30, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6860

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

The obvious answer is to wait for the Tesla pickup truck. Just a few days ago Elon tweeted he wanted it to have 300,000 lbs towing capacity. :P Wow you are obsessed with Tesla. OP. From the sound of your post I think the Ridgeline would be perfect. The new ones look more like a typical pickup truck...
by emoore
Sat Jun 30, 2018 7:16 am
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 70
Views: 4513

Re: hybrid or plug-in electric car

The solar panels on your roof would be a key element. Most electricity is generated by burning coal, so even fully electric cars run on coal. Not true in most places anymore. Coal was 27% of electricity generation in the USA during the first 5 months so far. Coal plants are being retired for more e...
by emoore
Fri Jun 29, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 114320

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

I love all the excuse making for Tesla's pricing of the Model 3. People talk about it like they talk about their favorite politician/party. Like religion. Everyone should have expected a 35K Model Three fairly soon after launch and ramp up much quicker than has occurred. That is what they promised....
by emoore
Thu Jun 28, 2018 10:43 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 114320

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

So if someone wanted to buy an EV with 250+ mike range today or even next year or the year after, what options would I have? I think it’s only Tesla. The other car companies are dragging their feet because they know right now they can make more money off an ICE car than an EV so they don’t have an ...
by emoore
Thu Jun 28, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 114320

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

letsgobobby wrote:
Thu Jun 28, 2018 10:40 pm
I don't think a Bolt is notably more economy than a base M3.
Have you seen them both?
by emoore
Thu Jun 28, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 114320

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

So if someone wanted to buy an EV with 250+ mike range today or even next year or the year after, what options would I have? I think it’s only Tesla. The other car companies are dragging their feet because they know right now they can make more money off an ICE car than an EV so they don’t have an ...
by emoore
Thu Jun 28, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 114320

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

So if someone wanted to buy an EV with 250+ mike range today or even next year or the year after, what options would I have? I think it’s only Tesla. The other car companies are dragging their feet because they know right now they can make more money off an ICE car than an EV so they don’t have an u...
by emoore
Mon Jun 25, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 114320

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

I used to be excited about upcoming EVs from other traditional car manufactures... It's important to read their press releases critically. For example, Volvo has said that by 20xx, all of his cars will be electrified. When that press release came out, many gave them high props. But note that Volvo ...
by emoore
Sat Jun 23, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 114320

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

Up thread there was some discussion about even if Tesla were to fail another car company would likely purchase them thereby perhaps lessening any warranty/support concerns on a new Model 3. I think this is highly unlikely. The WSJ just ran a nice overview of the luxury electric space. Start Your En...
by emoore
Wed Jun 20, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 114320

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

I would disagree that some mega company would need to come over Tesla like a wave to usurp them. Many electric and hybrid cars currently exist within model lineups that nobody seems to ever talk about. Golf e, Honda Clarity, going into the hybrid line, cmax, camry..... It's just that everyone seems...
by emoore
Tue Jun 19, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 114320

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 emoore
Mon Jun 18, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 5849

Re: How much car to buy reasonably?

Hi there, I am looking to buy a daily car for commute and fun. I am planning to buy used/certified vehicle in order to avoid the huge initial depreciation. My salary range is: $175k annually and net worth at about ~$2.x millions. Only debt I have is mortgage $312k. House is worth $850k. Monthly pay...
by emoore
Thu May 31, 2018 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Roommate in a house?
Replies: 32
Views: 3222

Re: Roommate in a house?

I don't understand all the talk about claiming rental income and depreciation and all of that. I don't think the OP qualifies as a renter as defined by the IRS. I thought there were different rules when you are in a spouse like relationship vs. a roommate relationship. If the OP was truly a roommate...