Search found 548 matches

by emoore
Sat Nov 09, 2019 12:40 pm
Forum: Investing - Theory, News & General
Topic: Saving for a new vehicle
Replies: 29
Views: 2345

Re: Saving for a new vehicle

I don't have a separate car fund account. I just throw all my extra money into a Vanguard Total Stock Market Index. When it comes time to buy a near car (hopefully in 5 years) I'll see what's in the account and buy what I can afford. I don't want to have $30k of case sitting around earning 1% just ...
by emoore
Sat Nov 09, 2019 12:34 pm
Forum: Personal Investments
Topic: Will we be OK at 3% WR?
Replies: 245
Views: 15401

Re: Will we be OK at 3% WR?

There is no evidence that this will happen. It is simple math. Well, maybe not "simple" as in "everyone understands it easily", but more like "everyone with a solid grasp of statistics will have no problem agreeing". Past data is only useful if one understands the conditions that generated it. Othe...
by emoore
Fri Nov 08, 2019 6:35 pm
Forum: Personal Investments
Topic: Will we be OK at 3% WR?
Replies: 245
Views: 15401

Re: Will we be OK at 3% WR?

We pick 4% withdrawal rates PRECISELY because we know those kind of returns are never guaranteed. Instead we pick the worst case (so far!) historical cases, and we see that 4% worked. So if we do get low returns, like those worst-case (so far!) 30-year periods in the past, we will still be financia...
by emoore
Fri Nov 08, 2019 6:08 pm
Forum: Investing - Theory, News & General
Topic: Saving for a new vehicle
Replies: 29
Views: 2345

Re: Saving for a new vehicle

I don't have a separate car fund account. I just throw all my extra money into a Vanguard Total Stock Market Index. When it comes time to buy a near car (hopefully in 5 years) I'll see what's in the account and buy what I can afford. I don't want to have $30k of case sitting around earning 1% just t...
by emoore
Fri Nov 08, 2019 1:48 pm
Forum: Investing - Theory, News & General
Topic: How often should someone rebalance?
Replies: 43
Views: 3012

Re: How often should someone rebalance?

I rebalance about every 5 years when I want to change my entire allocation. When I turned 40 I rebalanced to get to 80/20 stocks and bonds but I haven't done anything since. I'll probably rebalance when I hit 45 into 75/25 and call it good.
by emoore
Thu Nov 07, 2019 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 92
Views: 6799

Re: Turbotax 2019 on Amazon

jburke wrote:
Wed Nov 06, 2019 11:21 pm
Can Deluxe handle rental properties - Schedule E?
Yes it does. I've used Deluxe for years with rental properties with no issues.
by emoore
Wed Nov 06, 2019 6:53 pm
Forum: Investing - Theory, News & General
Topic: 2020 IRS Limits Announced for 401(k)'s etc.
Replies: 27
Views: 3779

Re: 2020 IRS Limits Announced for 401(k)'s etc.

So how does it work that the 401k limit goes up $500, but the IRA limit remains unchanged? Just curious the reasoning. Same reasoning that has the IRA limit be almost 10x lower than the 401k limit to begin with? But shouldn't it go up at least something? I was just curious how they scale it. It can...
by emoore
Wed Oct 09, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: Solar Installation - 0.75 Year Later
Replies: 72
Views: 9677

Re: Solar Installation - 0.75 Year Later

As PG&E cuts power to an area of California, is there anything in the short term (sans installing batteries) that a user can do to allow the inverter to run without grid connection? Not likely. The requirement that your panel system shuts down when commercial power is out protects line workers from...
by emoore
Wed Oct 09, 2019 11:34 am
Forum: Investing - Theory, News & General
Topic: Investing money without a specific purpose
Replies: 9
Views: 1279

Re: Investing money without a specific purpose

I would invest it according to your overall asset allocation. +1. You don’t seem to be in a situation that warrants a one-off fund or allocation to me. I put any money that isn't toward a specific goal into a total stock market index fund. I shouldn't need this money unless it's an absolute emergen...
by emoore
Wed Oct 09, 2019 11:28 am
Forum: Personal Consumer Issues
Topic: Solar Installation - 0.75 Year Later
Replies: 72
Views: 9677

Re: Solar Installation - 0.75 Year Later

As PG&E cuts power to an area of California, is there anything in the short term (sans installing batteries) that a user can do to allow the inverter to run without grid connection? Not likely. The requirement that your panel system shuts down when commercial power is out protects line workers from...
by emoore
Wed Sep 18, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Home energy/electricity monitoring?
Replies: 56
Views: 2999

Re: Home energy/electricity monitoring?

We used 922 kWh last month with a total cost of $206.84, which comes out to an actual cost of around 22.4 cents/kWh. I'm completely blown away here. What on earth are you powering in a condo that drains that much electricity? I have a plain old house, which has been retrofitted with LED/CFL everywh...
by emoore
Tue Sep 17, 2019 10:33 am
Forum: Investing - Theory, News & General
Topic: Oil price going to a $100-- time to change your asset allocation??
Replies: 86
Views: 8584

Re: Oil price going to a $100-- time to change your asset allocation??

.... electric cars overtaking ICE cars. People will be "amazed" how quickly it happened but it's not surprising espcially once the price is lower than fossil fuels. It's similar to the smartphone market; a lot of people questioned why anyone would need or spend that kind of money on an iPhone when ...
by emoore
Mon Sep 16, 2019 11:32 am
Forum: Investing - Theory, News & General
Topic: Oil price going to a $100-- time to change your asset allocation??
Replies: 86
Views: 8584

Re: Oil price going to a $100-- time to change your asset allocation??

So sorry -- a lot of gas today is produced by fracking. Fracking is evil and must be eliminated. Endless straw men won't do it. (the scientific debate around fracking is quite real, and not fully resolved - it's about the methane leakage (and of course the flaring)). This thing is happening. Gas re...
by emoore
Thu Sep 12, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: Solar Install w/ SolarCity
Replies: 65
Views: 5688

Re: Solar Install w/ SolarCity

just wondering what the benefit is to having Tesla powerwall or any batteries in a state with full net metering Yeah, we've been wondering the same now that we're looking at sizing up how much solar to buy -- although we have the option of switching to Time of Use + Net Metering billing where summe...
by emoore
Thu Sep 12, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: Solar Install w/ SolarCity
Replies: 65
Views: 5688

Re: Solar Install w/ SolarCity

A question, purely out of curiosity: you keep mentioning charging your car all night drains the PowerWalls because the cars battery is larger than the walls. But if you’re driving ~60 miles a day, that’s only like 1/4 of the car’s range, right? So aren’t you actually getting performance out of the ...
by emoore
Thu Sep 12, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4548

Re: Best Dog Car?

I think a 4Runner is the best dog car. Fold down the rear seats and you have a nice area for the dogs. Also my dog's favorite feature is that the rear back window rolls down. Not sure if any other SUVs do that but my dog loves it.
by emoore
Thu Sep 12, 2019 11:28 am
Forum: Personal Consumer Issues
Topic: Help With New Car Purchase - Macan S versus...
Replies: 57
Views: 5121

Re: Help With New Car Purchase - Macan S versus...

I think Porsche has said that the next Macan will be all electric so you might want to wait for that if you are going to get a Macan. It would mean that the ICE Macan's will be obsolete. Not sure what that will mean to service especially if you keep the car 10+ years.
by emoore
Wed Sep 11, 2019 11:35 am
Forum: Personal Investments
Topic: How to Invest Down Payment Money for Child? 18 Years Out
Replies: 10
Views: 905

Re: How to Invest Down Payment Money for Child? 18 Years Out

Jon_PassiveInvestor wrote:
Wed Sep 11, 2019 7:47 am
My son is around 18 years out from buying his first home. What would you recommend I use in terms for funds/vehicles to store this money? Thank you!
Total Market or S&P500 fund.
by emoore
Wed Aug 28, 2019 7:34 pm
Forum: Personal Consumer Issues
Topic: Diesel Chevy Equinox a good idea?
Replies: 36
Views: 1599

Re: Diesel Chevy Equinox a good idea?

I agree with going for a hybrid or EV. The Rav4 would be tempting since the mpg is so good compared to other AWD SUVs.
by emoore
Wed Aug 28, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: Laser or inkjet
Replies: 58
Views: 3462

Re: Laser or inkjet

And yet another vote for Laser. I have a Brother laser b&w and color and they are both great. No need to worry about ink drying out and the cartridges last much longer. I can get them on Amazon for about the same price as ink jet cartridges.
by emoore
Sun Aug 25, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Another car affordability question, YOLO vs. extreme FI
Replies: 64
Views: 3721

Re: Another car affordability question, YOLO vs. extreme FI

You should hurry up and make a decision. The golf R has officially ended production. https://www.roadandtrack.com/new-cars/future-cars/a28636776/mk7-volkswagen-golf-r-ends-production/ That’s the current Golf R though. There will be a new one, though possibly with a gap in availability. There’s anot...
by emoore
Sun Aug 25, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: Another car affordability question, YOLO vs. extreme FI
Replies: 64
Views: 3721

Re: Another car affordability question, YOLO vs. extreme FI

You should hurry up and make a decision. The golf R has officially ended production. https://www.roadandtrack.com/new-cars/future-cars/a28636776/mk7-volkswagen-golf-r-ends-production/ That’s the current Golf R though. There will be a new one, though possibly with a gap in availability. There’s anot...
by emoore
Sun Aug 25, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: Another car affordability question, YOLO vs. extreme FI
Replies: 64
Views: 3721

Re: Another car affordability question, YOLO vs. extreme FI

I'll jump on the GTI bandwagon since I've owned one for 8 years and it's still going strong with 95k miles. Love the car and it's sporty enough around town. My is completely stock so you can get some extra power with a $500 chip. It's also been pretty reliable. Had the high pressure fuel pump go out...
by emoore
Fri Aug 23, 2019 6:03 pm
Forum: Personal Consumer Issues
Topic: Honda CRV, Accord, or Toyota RAV? UPDATE
Replies: 57
Views: 5064

Re: Honda CRV, Accord, or Toyota RAV?

New or used? If new I'd consider the Rav4 Hybrid. Great mpg especially in the city. If used you can find an older Rav4 hybrid or regular ICE and that would work too. I've never been a Honda fan and especially not after the issues they have been having with their turbo engines.
by emoore
Wed Aug 21, 2019 3:18 pm
Forum: Personal Investments
Topic: Invest vs pay off student loan in 1 year period
Replies: 43
Views: 2141

Re: Invest vs pay off student loan in 1 year period

So many people recommend paying off the loan to be debt free using emotions to make that decision. We at bogleheads try to take emotions out of our investing. If you re in the 22% tax bracket you save $4180 in taxes by saving in a 401k and if you get a company match it could be worth thousands more...
by emoore
Sun Aug 18, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: Battery powered lawn mower
Replies: 54
Views: 3520

Re: Battery powered lawn mower

I've got a small yard so I bought the Ryobi 16" battery powered mower. It uses the same batteries as all the Ryobi tools which was a selling point for me. I really like the mower because it shuts off instantly when you take your hand off the handle. I trust that my kids are not going to get hurt mow...
by emoore
Sat Jul 13, 2019 9:41 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 46937

Re: Talk me out of buying a Tesla Model 3

Went to a wedding recently. The bride's parents had just bought a new Tesla Mod 3. Her extended family was all over the dance floor, draining the kegs, having a good time. The groom's parents (related to us) had just bought a 4-year old Prius with low miles. His extended family, much smaller, were ...
by emoore
Sat Jul 13, 2019 8:02 pm
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 106
Views: 9331

Re: hybrid or plug-in electric car

Recently I bought a Kia Niro EV. It’s a no-frills electric car that gets ~250 miles of range. I’ve been driving it for 2 months now and love it. In fact I cannot imagine ever going back to ICE cars. Most people I know who own EVs have similar sentiments. It was 40k upfront, but with the tax credit ...
by emoore
Fri Jul 12, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a Motorcycle?
Replies: 59
Views: 3246

Re: Should I Buy a Motorcycle?

I learned to drive on a motorcycle, and my last bike was a Ducati 900 SS/SP. Soon after buying that last bike I came to my senses: While tons of fun, riding a motorcycle is just too dangerous. It doesn't matter how well trained or prepared you are, since the greatest risks are typically from other ...
by emoore
Fri Jul 12, 2019 3:24 pm
Forum: Personal Investments
Topic: Why Shouldn't I Switch to Low Carbon/Fossil Fuel Free Index Funds
Replies: 43
Views: 2474

Re: Why Shouldn't I Switch to Low Carbon/Fossil Fuel Free Index Funds

All of the factors you listed are known. Each and every one. And all should be priced into or out of the value of those companies you referenced. That said, if you believe in what you are doing, nobody will stop you. Personally, I am happy owning many of those companies you probably dislike in the ...
by emoore
Sat Jun 29, 2019 10:30 am
Forum: Personal Consumer Issues
Topic: Outdoor Fire Pit - Wood vs. Gas?
Replies: 53
Views: 3898

Re: Outdoor Fire Pit - Wood vs. Gas?

If it matters to you, wood is more environmentally friendly. Depends on how you define environmentally friendly. Wood fire pits are a source of particulate air pollution that can be harmful. https://www.pca.state.mn.us/featured/smarter-burning-better-breathing This is very true and even thought I p...
by emoore
Sat Jun 29, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: Outdoor Fire Pit - Wood vs. Gas?
Replies: 53
Views: 3898

Re: Outdoor Fire Pit - Wood vs. Gas?

Thanks, Sandtrap. Good points. There is a product I am keeping my eye on called the Solo Stove that can burn wood with minimal smoke. People are reviewing product saying they don't smell like a campfire afterwards, so maybe it's hopeful? Thanks again. Have the Solo Stove. Replaced it with a gas bur...
by emoore
Sat Jun 22, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 7301

Re: How to avoid high vet bills?

There are good vets and bad vets. Good vets are worth whatever they charge. Do you "replace" your kids if they have high medical bills? How about the spouse, is he/she out the door if they get costly? Dogs are not "children", nor are "children" dogs. I value people much more than animals. This is t...
by emoore
Sun Jun 16, 2019 10:16 pm
Forum: Personal Consumer Issues
Topic: car cylinder ignition coil - replace only nonfunctional one or all of them?
Replies: 22
Views: 1101

Re: car cylinder ignition coil - replace only nonfunctional one or all of them?

On your car, which has the engine mounted the way god intended (longitudinally), replace only the failed one. If another one fails down the line, replace at that time. Quick, easy repair that should only take a few minutes. For engines mounted the wrong way (transverse), replace just the failed one...
by emoore
Sun Jun 16, 2019 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Low interest student loan - pay off?
Replies: 9
Views: 903

Re: Low interest student loan - pay off?

I did something similar. My Student loans were at 2.25% and I kept them for 15 years so that I could max out my Roth. I was really happy with the results but I finally just paid them off when I could afford to pay them off and still max my Roth. I think you should just pay them off as long as you ca...
by emoore
Sun Jun 16, 2019 8:43 pm
Forum: Personal Consumer Issues
Topic: Which car to buy?
Replies: 29
Views: 2843

Re: Which car to buy?

Which car would make more sense to buy: A. A Toyota Camry for $25k and probably only keep it for 4-5 years because it would be more for practical financial reasons than desire. B. A Lexus RX 350 for $48k and probable keep it for 10-11 years as I would enjoy it much more. I currently own a Lexus IS ...
by emoore
Thu Jun 13, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: Which car to buy?
Replies: 29
Views: 2843

Re: Which car to buy?

Keep the car, ask again in 3-5 years +1 You love your current car, you've never had any issues with it, and it has less than 100K miles. At the rate of change in the auto industry, there is no sense speculating about some future purchase that is several years away. +1. Things are starting to change...
by emoore
Tue Jun 11, 2019 11:49 am
Forum: Investing - Theory, News & General
Topic: Pay Growth vs Stock Market Returns
Replies: 26
Views: 2080

Re: Pay Growth vs Stock Market Returns

The income growth is a red herring. You're looking at it all wrong. What grows more, a CD or the stock market? You want growth over a long time, invest in equities. Your income "growth" is irrelevant. No matter how much you make, you want to save and invest. Why not put your savings into the highes...
by emoore
Mon Jun 03, 2019 10:50 pm
Forum: Personal Consumer Issues
Topic: Amazon free shipping, bait-and-switch?
Replies: 46
Views: 4676

Re: Amazon free shipping, bait-and-switch?

I thought Amazon raised the minimum to $35 dollars to get free shipping? They did but they backed off and made it $25 again after Walmart made its minimum $25. That was a while ago. Nothing like competition in the marketplace. Oh right. I do remember them going back. Competition is good. Not sure w...
by emoore
Mon Jun 03, 2019 10:28 pm
Forum: Personal Consumer Issues
Topic: Amazon free shipping, bait-and-switch?
Replies: 46
Views: 4676

Re: Amazon free shipping, bait-and-switch?

I thought Amazon raised the minimum to $35 dollars to get free shipping?
by emoore
Wed May 29, 2019 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at 55, what's the magic number
Replies: 185
Views: 30980

Re: Retire at 55, what's the magic number

I'd say $2M to retire completely at 55. My plan is to have 1.5M at 55 and then go part time for awhile. I'll have my pension and 401k at 60 and then SS anywhere from 62-70. My biggest unknown is if I can remain employed at the same salary for the next 13 years until I hit 55. If not my plan will hav...
by emoore
Wed May 22, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3693

Re: Another Honda maintenance thread

I am not a mechanic by any means, but any "lifetime" fluids such as transmission fluid sounds like B.S. to me. If you want a short lifetime, sure. But no original fluid is going to be good 15 years in. That could be true but who knows. I would assume if it was important that the engineers would hav...
by emoore
Wed May 22, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3693

Re: Another Honda maintenance thread

Dealers make most their money in service, with modern fluids you do NOT need to change them more frequently than manufacturer recommendation. People that change transmission fluid every 15-20K miles aren't necessarily hurting anything but they aren't helping anything either. Car maintenance has ess...
by emoore
Wed May 22, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: Chiminea, fire pit or nothing?
Replies: 26
Views: 1963

Re: Chiminea, fire pit or nothing?

Went camping this weekend. Some of the guys brought one of these along. Burns with NO SMOKE. Pricey, and they use fancy engineering design to justify price. https://www.solostove.com/ Thoughts? I've got one and it's awesome. Burns very hot so very little smoke and burns everything down to almost no...
by emoore
Tue May 21, 2019 12:46 pm
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3693

Re: Another Honda maintenance thread

The problem is that the manufacturer's recommendations don't account for time, at least with oil changes, and the manufacturer themselves gave me conflicting information. Another problem is that I changed the transmission fluid "too early" and now the MM may not function properly for that service, ...
by emoore
Sat Apr 27, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: weber grills
Replies: 34
Views: 3167

Re: weber grills

I bought a Weber Spirit E310. Enough capacity for my needs; I also didn’t really want a side burner because I didn’t think I would use it. The Genesis line is also good. I’ve replaced my flavorizer bars and the burner once, it’s 10+ years and going strong still. I have the same grill. Love it. Had ...
by emoore
Mon Apr 15, 2019 5:49 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 107
Views: 10483

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: 15312

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: 15312

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: 5424

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...