Search found 454 matches

by emoore
Fri Aug 17, 2018 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Are Roth conversions a no-brainer for me?
Replies: 21
Views: 1639

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: 39
Views: 1977

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: 2982

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: 128
Views: 5584

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: 341
Views: 21763

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: 341
Views: 21763

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: 4638

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: 5277

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: 1088

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: 106480

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: 9521

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: 5938

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: 2434

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: 4123

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: 106480

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: 3983

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: 6371

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: 3983

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: 106480

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: 106480

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: 106480

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: 106480

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: 106480

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: 106480

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: 106480

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: 106480

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: 106480

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: 5431

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: 3074

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...
by emoore
Thu May 31, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Vehicle Advice for new Boglehead (4Runner)
Replies: 45
Views: 2471

Re: Vehicle Advice for new Boglehead (4Runner)

I'd feel real bad paying $50k for this type of vehicle and never taking it off road. I'd feel real bad about taking a $50k truck off road. I never understood having one of these as a daily driver. If it's your daily driver, 99% of the time you're living with something that sucks at about everything...
by emoore
Wed May 30, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Vehicle Advice for new Boglehead (4Runner)
Replies: 45
Views: 2471

Re: Vehicle Advice for new Boglehead (4Runner)

What mpg does your TL get? The 4Runner has very poor mpg for the size of the car. Even a new Tacoma is better. Plus the 4Runner hasn’t been updated in 9 years with no sign of an updat soon. I wouldn’t want to pay $40k plus for decade old tech. Unless you are doing serious off roading you might want ...
by emoore
Wed May 30, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106480

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

To stay on topic. Is anyone ordering the AWD version? Interested in how it performs.
by emoore
Wed May 30, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106480

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

FoolStreet, I am SHOCKED that you managed to have a take that only incorporates the good news for Tesla but managed to leave out all the other concerns about the screen, wind noise, suspension, etc. that CR still has. :P Tesla is allegedly addressing these things but CR wants to spend time with the...
by emoore
Fri May 25, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: vinyl plank brands, which is best?
Replies: 13
Views: 1461

Re: vinyl plank brands, which is best?

We installed COREtec in our living and dining room. We like it a lot. Works well with 2 kids and 2 dogs. Waterproof and doesn't scratch easily. It is a bit more expensive though. Ours came in 7" wide and 72" long pieces. Had someone install it in 700 sq feet in less than a day.
by emoore
Thu May 24, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Home sale proceeds - 529 funding
Replies: 2
Views: 285

Re: Home sale proceeds - 529 funding

I'd suggest paying off the car loan and student loan before adding to the 529
by emoore
Thu May 24, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106480

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 ...
by emoore
Wed May 23, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 9588

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

However, in my opinion, there is one feature where the Lexus has a major flaw and that is the Lexus Enform (Nav, Phone, etc.) which is vastly inferior to the Audi's MMI. The Audi's display, controller, control layout and menu options are far better than that for Lexus. The worst problem with the Le...
by emoore
Tue May 22, 2018 10:30 pm
Forum: Investing - Theory, News & General
Topic: Typical interest rate earned by target date funds in retirement?
Replies: 28
Views: 2113

Re: Typical interest rate earned by target date funds in retirement?

Thank you Moto. Since 4% is frequently cited, what investment is that based on? I'm trying to determine my FI date and I would like to have a real solid idea of these numbers. Currently, I'm using a 4% draw down and 3% gain (during that period). That gets me through 44 years without going negative....
by emoore
Tue May 22, 2018 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: How do you stop moving the goal posts.
Replies: 62
Views: 5151

Re: How do you stop moving the goal posts.

Maybe you should define goals that include working at least part time for a long time. I don’t think you like being retired in a traditional sense which is ok. You just have to realize you are not the retiring type.
by emoore
Tue May 22, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 96
Views: 9725

Re: Solar panels

Per the US Energy Information Administration, wind + solar were at 7.6% in the US in 2017 (6.3% wind, 1.3% solar). https://www.eia.gov/tools/faqs/faq.php?id=427&t=3 Nice to see those renewable percentages rise. Hopefully in 2018 renewables pass nuclear and maybe even coal. That would be a surprise ...
by emoore
Tue May 22, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106480

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

I cant say its a snake oil scheme but It seems to me that at its core the Tesla series can be a fine product but doesn't have the manufacturing prowess, a good supply line and some quality control issues. It appears Musk has moved on and is more interested other endeavours might the time be right f...
by emoore
Fri May 18, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 96
Views: 9725

Re: Solar panels

+1 to energy production costs going down. As more and more renewable energy gets added to the mix the cost to generate a unit of energy will decrease to near 0. The biggest costs will be maintaining he grid and transmission costs. And of course taxes. Although energy production costs have been goin...
by emoore
Fri May 18, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: New 2018 Nissan Leaf (with 150 mi range)
Replies: 52
Views: 5453

Re: New 2018 Nissan Leaf (with 150 mi range)

Is there a rationale why folks making over $50k are being subsidized? Meanwhile some localities are subsidizing low income. I'm not looking to start a debate or fight, just wondering why these programs are all over the place with seemingly opposing aims. You'd think there would be simpler ways with...
by emoore
Thu May 17, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 96
Views: 9725

Re: Solar panels

As for energy inflation....I would not be surprised if it was negative over the next 10-20 years. Numerous new ways of making energy cheaply have been fielded recently, and are being rapidly built out. What do you expect to happen in that case? Interesting. I have always taken the opposite view: at...
by emoore
Mon May 14, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 83
Views: 5374

Re: keyless ignitions and carbon monoxide

Not sure how these cars run that long without the keys. At least as more EVs are developed and sold, this problem goes away.
by emoore
Fri May 11, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 5238

Re: Anyone buy carbon offsets when flying?

... +1. This reminds me of when the Prius first came out and there were “studies” that came out saying that an F150 was better for the environment because of the Prius batteries. Totally bunch of lies. It amazes me how far people will go to protect the status quo. Calling something "totally bunch o...
by emoore
Fri May 11, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 5238

Re: Anyone buy carbon offsets when flying?

Anyway, to answer the OP question I think it might be worth it to offset your carbon footprint if you think the carbon credits are used for actual carbon reduction. I think installing solar panels and buying an EV would offset more carbon.
by emoore
Fri May 11, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 5238

Re: Anyone buy carbon offsets when flying?

+1. This reminds me of when the Prius first came out and there were “studies” that came out saying that an F150 was better for the environment because of the Prius batteries. Totally bunch of lies. It amazes me how far people will go to protect the status quo. It continues to amaze me on a nearly d...
by emoore
Fri May 11, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 5238

Re: Anyone buy carbon offsets when flying?

... +1. This reminds me of when the Prius first came out and there were “studies” that came out saying that an F150 was better for the environment because of the Prius batteries. Totally bunch of lies. It amazes me how far people will go to protect the status quo. Calling something "totally bunch o...
by emoore
Fri May 11, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106480

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

There’s a comment from Elon saying awd ordering will start next week. No word on standard range version.