Search found 298 matches

by emoore
Sun Oct 15, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 107
Views: 4729

Re: What are you driving? And would you buy your current ride again?

2011 VW GTI. Best car I've ever owned. Would purchase another one assuming there is a hybrid or EV options. 2016 GTI here. I love it - perhaps still the best "all-around" car out there for someone that wants a sporty, useful, comfortable, not ostentatious and moderately economical car. Exactly! It ...
by emoore
Sun Oct 15, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 107
Views: 4729

Re: What are you driving? And would you buy your current ride again?

2011 VW GTI. Best car I've ever owned. Would purchase another one assuming there is a hybrid or EV options.
by emoore
Sat Oct 14, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 68
Views: 3847

Re: How many miles/years do you keep your car?

I've got a 2011 GTI with 80k miles as my daily driver. Also have a 2000 4runner with 227k miles that I use to haul stuff but only but on a few thousand miles a year. Wife drives the family SUV, toyota highlander with 35k miles. I plan on keeping the 4runner as long as possible as the emergency ICE c...
by emoore
Sat Oct 14, 2017 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: X times salary, backwards calculation?
Replies: 23
Views: 2144

Re: X times salary, backwards calculation?

Try this: https://www.firecalc.com/ Interesting site, thanks for linking. Based upon this for our situation if we can get very modest growth on our portfolio over the next 5-10 years and can essentially break even cash flow wise until SS we will be in excellent shape I assume this doesn’t take into...
by emoore
Sat Oct 14, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 75
Views: 5053

Re: anyone else not liking the new cars?

I agree that it does take a year or two to get used to new designs. Then they become accepted and the newer ones in 5 years are ugly again! Also I am not planning on buying anymore ICE cars. I think they will be on their way out sooner rather than later.
by emoore
Tue Oct 10, 2017 10:07 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 49
Views: 4482

Re: 2018 Honda Accord

The 2.0 liter engine puts out 252 hp so I’m not sure why one would miss the 6 cylinder. The Camry V6 is 301 HP. Also, I love the linear smooth response of naturally aspirated V6 engines. The driving experience of a 2L 4-cyl turbo isn't even close... Agree that these turbos are not a welcome change ...
by emoore
Tue Oct 10, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: Care by Volvo
Replies: 14
Views: 1207

Re: Care by Volvo

barnaclebob wrote:
Tue Oct 10, 2017 5:02 pm
Don't buy cars like VW's and you will be a lot less likely to go into the dealer or mechanic for repairs in the first place. And when you do have to go in it won't be so expensive.
Zero unscheduled maintaince from my VW. I must be doing something wrong.
by emoore
Sun Oct 08, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7393

Re: Do you want your receipt?

No receipt for me. It’s a waste of resources. Paper comes from somewhere. No point to in recycling it if I can get them to not print it out.
by emoore
Fri Oct 06, 2017 3:03 pm
Forum: Investing - Theory, News & General
Topic: Bogle himself is saying we will expect like 3% for the next decades
Replies: 137
Views: 13502

Re: Bogle himself is saying we will expect like 3% for the next decades

https://www.youtube.com/watch?v=KF1RodFhFwc This is very depressing. Even the master himself is saying we will get something like measly 3% from the market and the fun times are over. Really? :( Not fair. I guess due to exposure of everyone to these markets indexing is just not that profitable anym...
by emoore
Thu Oct 05, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: How much worth house should one buy?
Replies: 73
Views: 4111

Re: How much worth house should one buy?

learning_head, I disagreed. My peers are paying 25% income tax plus state income tax on every extra dollar that they spent on the mortgage versus rent. Those are throwaway money. That is one of the reason that they cannot save money. Meanwhile, my effective tax rate is less than 5%. My effective ta...
by emoore
Thu Oct 05, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Is the new Chevy Equinox any good?
Replies: 58
Views: 5431

Re: Is the new Chevy Equinox any good?

There is a reason for that. Take a look at the Consumer Reports auto issue (April 2017) and you will understand. Also, Motor Trend (August 2017) did a review of the Honda CR*V vs. the Mazda CX-5, and a separate review of the Chevrolet Equinox. Reading these, the Honda would be considered the best o...
by emoore
Thu Oct 05, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Is the new Chevy Equinox any good?
Replies: 58
Views: 5431

Re: Is the new Chevy Equinox any good?

no. its a chevy. My point exactly. If it’s not Toyota or Honda then it’s considered crap here. There is a reason for that. Take a look at the Consumer Reports auto issue (April 2017) and you will understand. Also, Motor Trend (August 2017) did a review of the Honda CR*V vs. the Mazda CX-5, and a se...
by emoore
Thu Oct 05, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: Is the new Chevy Equinox any good?
Replies: 58
Views: 5431

Re: Is the new Chevy Equinox any good?

no. its a chevy. My point exactly. If it’s not Toyota or Honda then it’s considered crap here. There is a reason for that. Take a look at the Consumer Reports auto issue (April 2017) and you will understand. Also, Motor Trend (August 2017) did a review of the Honda CR*V vs. the Mazda CX-5, and a se...
by emoore
Wed Oct 04, 2017 10:38 pm
Forum: Personal Consumer Issues
Topic: Is the new Chevy Equinox any good?
Replies: 58
Views: 5431

Re: Is the new Chevy Equinox any good?

PFInterest wrote:
Sat Sep 30, 2017 6:40 pm
no. its a chevy.
My point exactly. If it’s not Toyota or Honda then it’s considered crap here.
by emoore
Wed Oct 04, 2017 10:34 pm
Forum: Investing - Theory, News & General
Topic: Does anyone hold cash?
Replies: 58
Views: 5520

Re: Does anyone hold cash?

No significant cash here.
by emoore
Wed Oct 04, 2017 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: How much worth house should one buy?
Replies: 73
Views: 4111

Re: How much worth house should one buy?

I understand that many factors such as income, debt, expenses, market, family size play a role in how much worth house one should buy but is there a general rule or a common sense rule that monthly house payment shouldn't exceed certain % of the gross house hold income? What is the safest margin to...
by emoore
Wed Oct 04, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Do I have to choose between buying home in HCOL and FIRE or can I have both?
Replies: 35
Views: 2524

Re: Do I have to choose between buying home in HCOL and FIRE or can I have both?

I think this post is a little off base. Denver is by no means HCOL. Look at LA or SF or NYC. Much much higher cost of living. And normal houses are now where near $800k. You can get a really nice house for 400-500k. I make less than half of you and have a great life in Denver. I figure I could retir...
by emoore
Thu Sep 28, 2017 10:33 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20060

Re: Iphone X is $1000

I understand the concern with the OS. I used to have a MacBook and I agree with the better performing of the OS and the machine in general. The point for me is that the brand is becoming more expensive than the performance and the results. And Apple to me is loosing the professional touch they used...
by emoore
Thu Sep 28, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Lost my job and looking for advice on next steps
Replies: 43
Views: 5189

Re: Lost my job and looking for advice on next steps

I think you are fine financially. 4% of 2.8mil is $112k a year. More than your needs and that doesn't count your wife's salary or SS. Maybe pick up a part time job if you are looking for something to do.
by emoore
Wed Sep 27, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: 2018 Outback Limited vs. 2017 CR-V EX-L
Replies: 48
Views: 3225

Re: 2018 Outback Limited vs. 2017 CR-V EX-L

The Subaru has a proven 2.5 liter naturally aspirated engine vs. a 1.5 turbo. I am not convinced that a 1.5 liter turbo boost of 16.5 pulling a 3,400 lb. vehicle will have the durability of a naturally aspirated engine. Turbos are simply not as reliable and are only becoming more mainstream due to ...
by emoore
Sun Sep 24, 2017 9:46 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 255
Views: 30882

Re: Good Modern Science Fiction

Not sure if it was mentioned earlier but I'm a huge fan of Peter F. Hamilton and the commonwealth universe. Starts with Pandora's Star and continues with two more books. Then there is the void trilogy and the faller series. Great science fiction.
by emoore
Sun Sep 24, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 38
Views: 3828

Re: Toilet Woes

I had a similar issue when I replaced the fill valve inside a toilet. Didn't fill up nearly as quickly as the original and it was much louder. No matter what setting I used it just wasn't acceptable. Wound up replacing the entire toilet and it's so much better!
by emoore
Sun Sep 24, 2017 9:36 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 95
Views: 6172

Re: What is your favorite reasonably priced bourbon?

Wow lots of buffalo trace and makers recommendations here. Can't believe now one else has mentioned Walking Stick. I think it's the best I've ever had. Can't go wrong with makers especially the 46. Not a huge fan of buffalo trace. It's a little harsh for me.
by emoore
Sat Sep 23, 2017 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: What am I thinking.. a new car finance thread.
Replies: 16
Views: 1627

Re: What am I thinking.. a new car finance thread.

btenny wrote:
Sat Sep 23, 2017 3:44 pm
So you only pay sales tax on the price difference if you trade? So does the buyer of your old car have to pay tax if he buys it for you?
That’s the way it works in Colorado. You pay tax at the dmv.
by emoore
Sat Sep 23, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 95
Views: 6172

Re: What is your favorite reasonably priced bourbon?

Walking stick
Knob Creek
Makers 46
by emoore
Fri Sep 22, 2017 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8221

Re: Age you retired

taguscove wrote:
Fri Sep 22, 2017 9:02 pm
Retired at 24. Almost any work out of college is a grind, and I took the chance to retire after receiving a substantial inheritance.
Ha!
by emoore
Thu Sep 21, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20060

Re: Iphone X is $1000

So you’re calling millions of people idiots. Nice. My wife and I own iPhones, so I'm not defending, but honestly, can't you think of other situations where calling people idiots is justified? Perhaps well intentioned, honest, earnest, but idiots nonetheless? I can but I try to not call a massive gr...
by emoore
Thu Sep 21, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20060

Re: Iphone X is $1000

Sorry iRipoff X is a mediocore device, not worth purchasing. I will go Galaxy Note 8 all the way if I am ready to drop serious money. - Higher resolution 520 ppi vs 458 ppi - Brighter display to fight against direct sunlight 1200 nits vs. 620 nits iRipoff - Samsung Pay (any pay terminal - not NFC b...
by emoore
Wed Sep 20, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: Where to buy new iPhone
Replies: 41
Views: 4484

Re: Where to buy new iPhone

What iPhone would you buy now to replace an iPhone 5S? That’s exactly what I’ve been thinking about the last week. So far I’ve come to the conclusion that I’m waiting until the next iPhone release. Not enough new stuff in the 8 and too much new stuff in the X. We will see what phones are released n...
by emoore
Wed Sep 20, 2017 10:35 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 127
Views: 21287

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?

letsgobobby wrote:
Wed Sep 20, 2017 3:55 pm
ha! i splurged and bought a new full ton RAM. can tow 28,000 pounds and payload 4000. big and red. megacab for extra space to bring kids and stuff. leather and heated everything, power folding mirrors, cameras and sensors... the whole package!
Ugh.
by emoore
Wed Sep 20, 2017 8:04 am
Forum: Investing - Theory, News & General
Topic: Table in BH Guide to investing - Did I miss something?
Replies: 6
Views: 1048

Re: Table in BH Guide to investing - Did I miss something?

As to the title of the chart indicates, those are annualized returns, so yes, per annum. What was maybe less clear is that those nominal returns. I just did a quick run with a data table added to the Simba spreadsheet . Those numbers are indeed correct, except that: 1. the title of the chart refers...
by emoore
Tue Sep 19, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Car recommendation
Replies: 18
Views: 1603

Re: Car recommendation

Why not go with another X1? They are good cars and much faster and sporty than a CRV or Rav4.
by emoore
Tue Sep 19, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: Time to buy a used VW Diesel?
Replies: 19
Views: 1405

Re: Time to buy a used VW Diesel?

I believe the cars that VW can sell that are diesel have already at least had software modifications to come closer to meeting the emissions. Not sure if there is going to be any hardware updates. VW cannot sell any unmodified diesel cars in the US.
by emoore
Mon Sep 18, 2017 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Divorced parents saving for kids college
Replies: 16
Views: 1175

Re: Divorced parents saving for kids college

So I have the exact same situation. We were contributing to a 529 when we were married. Got divorced when my daughter was 3 but we kept the 529 account and contributions. The account is in both our names and the beneficiary is in my daughters name. It has worked out well for the last 6 years and now...
by emoore
Sun Sep 17, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20060

Re: Iphone X is $1000

Read up on 256 QAM and it's benefits to gigabit LTE. we are getting a bigger pipe that can handle more data at higher speeds. Your thinking about this from a single or a few end points. Like I said have your entire office start streaming 1080p content or have someone start downloading a TB file and...
by emoore
Sat Sep 16, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 year refinance vs cash out refinance
Replies: 32
Views: 2100

Re: 15 vs 30 year refinance vs cash out refinance

It sounds risky to be taking your primary home equity to buy rentals. If it were a rental you were taking equity that would be different. I'm actually considering add a rental or two with the equity from my one rental. Maybe start with one rental for a couple of years and see how that goes?
by emoore
Fri Sep 15, 2017 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 10645

Re: The 10 year car ownership "rule"

angelescrest wrote:
Fri Sep 15, 2017 9:21 pm
With the newer Toyotas, there is hardly any maintenance needed until 100,000 miles. Up until that point it's really fluids and inspections.
That's pretty much any car these days.
by emoore
Fri Sep 15, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: 2017-18 Outback MPG
Replies: 19
Views: 1083

Re: 2017-18 Outback MPG

I was just researching the 2018 Subaru Outback vs. Forester online a couple of hours ago. I had read a recent article about the best vehicles for seniors (I am 80) and very interested in returning to a station wagon vs. a SUV. The Forester and Outback rate #1 and #2 on the Consumer Reports list. I ...
by emoore
Thu Sep 14, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 33
Views: 3473

Re: Retirement - Living in Colorado

Thank You for all the great answers and comments. We currently live in Bloomington, MN and are extremely happy with the way the city is run. There are certainly more pluses than negatives. The winters can be tough, but with retirement, I can wait a day and then the roads are all cleared and I have ...
by emoore
Wed Sep 13, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Electric car in evacuation situation
Replies: 61
Views: 4199

Re: Electric car in evacuation situation

A prediction I cannot be held to? By 2050 it will be difficult or impossible to drive an ICE vehicle and very expensive at the very least. Indeed I could see that by 2040. It will have become societally unacceptable. You read it from some stranger on the internets ;-). I believe it's the exact oppo...
by emoore
Wed Sep 13, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 33
Views: 3473

Re: Retirement - Living in Colorado

I live in the Denver burbs (Highlands Ranch) and love it here. Been here for a decade and have no plans to live. Contrary to others I don't think the urban sprawl is that bad but this is the least populated are I've lived (Chicago, LA, Bay Area) and it's not even close to the sprawl and congestion i...
by emoore
Mon Sep 11, 2017 8:43 pm
Forum: Investing - Theory, News & General
Topic: China to ban petrol cars
Replies: 64
Views: 4581

Re: China to ban petrol cars

Thankfully things are staring to change from burning goal. Electric cars and renewable energy are the future and it needs to be the future for a variety of reasons. Hopefully we will have more hybrid and EV choices in the US.
by emoore
Mon Sep 11, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: "Luxury" Vinyl vs Laminate flooring?
Replies: 35
Views: 2840

Re: "Luxury" Vinyl vs Laminate flooring?

I have LVT in my living and dining room and love it. Considering putting it in the rest of the house. Works great with dogs and kids and is waterproof. Didn't want Laminate because of water and didn't want to worry about the maintenance with wood.
by emoore
Fri Sep 08, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: Contemplating an Electric Car
Replies: 147
Views: 8924

Re: Contemplating an Electric Car

To keep this actionable, my question is, should I replace my Prius for "fun" with an updated BEV or PHEV? When and what type. Should I replace my wife's 17year old luxury SUV and if so, when and what type. Requirements: We do 3-4 long 6-12hr roadtrips each year for the in laws and safety is vital. ...
by emoore
Fri Sep 08, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Buy iPhone 7 or Wait for iPhone 8
Replies: 53
Views: 7428

Re: Buy iPhone 7 or Wait for iPhone 8

The iPhone 8 will start at $999. That is 10 of my Moto G4 and 5 Moto G5/G5 plus. The headphone jack can be replaced with a small adapter, but I'm not sure you want to have the adapter in your pocket at all times. The premium for Apple products is just crazy. They are good products, but I can buy a ...
by emoore
Wed Sep 06, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 78
Views: 7198

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

Did you think for $35K you could have all the goodies? All car manufacturers show their base price. BTW, if your remove the "dorky" wheel cover you get a better looking wheel. It will just lower your mileage a bit since it is less aerodynamic. All manufacturers don't have such a huge difference bet...
by emoore
Wed Sep 06, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: Contemplating an Electric Car
Replies: 147
Views: 8924

Re: Contemplating an Electric Car

FWIW, the charging network is expanding every day and it won't be long before charging stations will be as plentiful as gas stations. 300 miles of range is perfectly normal for a large car. The problem isn't the car, it's the need for more charging stations. Regardless, when solid state batteries s...
by emoore
Sat Sep 02, 2017 4:55 pm
Forum: Investing - Theory, News & General
Topic: Michael Kitces 4% rule podcast on Madfientist
Replies: 355
Views: 36007

Re: Michael Kitces 4% rule podcast on Madfientist

.... However, all this greater survival to older ages appears to be pushing up against the natural limits of human life (chart below).... Whoah! The only easier bet to win than managed funds vs indexed funds is anyone betting against science and human advancement...it's failed every single time. Ye...
by emoore
Sat Sep 02, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: Where to buy new iPhone
Replies: 41
Views: 4484

Re: Where to buy new iPhone

I know I'm resurrecting an old thread. I'm on verizon and am considering a new iPhone. Verizon offers a SE for 99cents, a 6S for $99 and a 7 for 199. These are new not refurb or used. The Apple refurb site offers a 6S for 449. Swappa has a 6S for $270 or a 7 for $450, used of course. Is a 2yr contr...