Search found 429 matches

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: 1107
Views: 86368

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: 1107
Views: 86368

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: 82
Views: 4232

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: 2928

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: 2304

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: 2304

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: 1107
Views: 86368

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: 1107
Views: 86368

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: 1368

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: 266

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: 1107
Views: 86368

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: 9092

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: 2030

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: 4931

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: 9222

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: 1107
Views: 86368

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: 9222

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: 5135

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: 9222

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: 5038

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: 4687

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: 4687

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: 4687

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: 4687

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: 1107
Views: 86368

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.
by emoore
Fri May 11, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4687

Re: Anyone buy carbon offsets when flying?

What is the carbon footprint of the manufacturing of the Hybrids and EVs? Bingo! It seems like people forget what goes into manufacturing then powering an EV. First the excavation of rare Earth metals by massive machines then hauled by even bigger machines to plant's that process for the batteries ...
by emoore
Fri May 11, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4687

Re: Anyone buy carbon offsets when flying?

No. But I am concerned with the rapid CO2 increase. I bought an EV and use that for most trips instead of flying or using a gasoline powered car. +1. I think it's important to look at decreasing the amount of CO2 released. I'm frankly shocked at some of the comments in this thread. I know it's a se...
by emoore
Thu May 10, 2018 11:23 pm
Forum: Personal Consumer Issues
Topic: Used car, $20K-$25K
Replies: 43
Views: 3916

Re: Used car, $20K-$25K

Just a suggestion for something different. How about an electric car? Seems like that’s where a lot of countries and car companies are headed.
by emoore
Tue May 08, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: Most economical way to move vehicles State->State
Replies: 17
Views: 962

Re: Most economical way to move vehicles State->State

So do you have a place to store all these vehicles in Austin? If not you need to sell some. No point in keeping vehicles you can’t use.
by emoore
Fri Apr 27, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: How stressful is buying a home?
Replies: 56
Views: 3332

Re: How stressful is buying a home?

Buying a home isn't stressful. Owning a home is. Home ownership sucks. I don't find owning a home stressful. Maybe you should rent instead if you think it sucks. I think selling a home is more stressful than buying. With buying you get to decide if you want the home, with selling you have to hope s...
by emoore
Thu Apr 26, 2018 11:41 pm
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 6173

Re: Learning to drive a stick

I’ve got three manual transmission cars but I’m afraid they will be my last. Not only are most cars automatic, electric cars don’t have a transmission. I wouldn’t spend too much time trying to learn unless you buy an manual and get to practice often.
by emoore
Thu Apr 26, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Comfortable Commuter Cars under $50K
Replies: 81
Views: 5925

Re: Comfortable Commuter Cars under $50K

Tesla or EV would be my suggestion. I do like the Camry or Accord Hybrid suggestions. Great mileage and comfortable and inexpensive upkeep. Anything below 30mpg on the highway is pretty terrible these days especially for a sedan.
by emoore
Wed Apr 25, 2018 11:24 pm
Forum: Personal Consumer Issues
Topic: Looking to purchase new car/SUV
Replies: 51
Views: 3071

Re: Looking to purchase new car/SUV

dsmclone wrote:
Tue Apr 24, 2018 7:47 am
We just traded in a 2013 RDX which was the first year of the redesign. It was flawless when it came to reliability and it had a sweet V6 that everyone seems to be getting rid of for crap 4 turbos.
Why are turbos crap?
by emoore
Thu Apr 19, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 158
Views: 17090

Re: anyone else not liking the new cars?

Thank a million for the nice comments mouses. I miss the comfort and room I had in my mid 1990s Oldsmobile 98 Elite. I'd give anything for that kind of room. I mutter some expletive-deleted words at my Lexus each time I see the amount of legroom for my non-existent rear seat passenger behind me eve...
by emoore
Thu Apr 19, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Fit EX
Replies: 33
Views: 2621

Re: 2018 Honda Fit EX

Wish they would come back with the Fit EV. Seems like a perfect car to compete with the Bolt.
by emoore
Sat Apr 14, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off (2nd home) debt or invest more?
Replies: 8
Views: 695

Re: Pay off (2nd home) debt or invest more?

Pajamas wrote:
Sat Apr 14, 2018 5:21 pm
You should sell the lake house, too, if you are moving that far away from it.
+1. I'd love a lake house in NW Minnesota but I live in Denver and it would be too far to use a lot. NC is even further. Going that far will probably get old really fast.
by emoore
Tue Apr 10, 2018 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Paystubs still show single, even though we're married?
Replies: 58
Views: 2176

Re: Paystubs still show single, even though we're married?

BuyHighSellLow wrote:
Tue Apr 10, 2018 10:22 pm
But the result of the site says we'd overpay...

This stuff makes zero sense.
You’re overpaying because you’re withholding at a single rate. If you switch that to married on you’re W4 you’ll withhold less per paycheck thus getting less of a refund.
by emoore
Tue Apr 10, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Toyota 4 Runner
Replies: 39
Views: 3683

Re: Toyota 4 Runner

A 4 Runner IS a truck and drives like one. For me the joy is that it is old school and reliable beyond the norm. The components are heavy duty...built for functionality not a comfortable ride. Truly the last of a dying breed, if it is the right vehicle for you buy one while they are still available...
by emoore
Mon Apr 09, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: New Lexus LS or Tesla Model S
Replies: 63
Views: 4568

Re: New Lexus LS or Tesla Model S

jehovasfitness wrote:
Mon Apr 09, 2018 10:37 am
Unless that Lexus is faster, cheaper and runs off electricity no contest
+1
by emoore
Mon Apr 09, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Toyota 4 Runner
Replies: 39
Views: 3683

Re: Toyota 4 Runner

4Runners are great reliable SUVs. I have a 2000 with 238k miles on it. Still runs fine. You might want to grab one now if you can. They haven't been updated since 2010 and it doesn't seem like Toyota is in a hurry to get a new one out anytime soon. There is some noise that the 4runner will either go...
by emoore
Fri Apr 06, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Any advice for 1st time landlord
Replies: 42
Views: 3517

Re: Any advice for 1st time landlord

I'm renting out my old house this month. Thought I'd give it a shot for a year or two to see if I have the stomach for dealing with the headaches. I've pretty much figured out all the basic stuff, but I'm sort of struggling with the accounting part, especially the idea of deducting depreciation and...
by emoore
Sun Apr 01, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86368

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

I probably won't ever buy a Tesla but I think Musk will go down in history as someone that lead the change from ICE cars to electric cars. And I believe it will be a huge change for humanity. Humankind is on an unsustainable path right now and moving to more renewable energy is a step in the right d...
by emoore
Sun Apr 01, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: 4% SWR - planning for worst, hoping for better
Replies: 37
Views: 2304

Re: 4% SWR - planning for worst, hoping for better

Yes and I think the 4% rule there's some very high probability that you end up with more money after 30 years than before it, even with regular withdrawing, and some incredibly low probability of being down to a small percentage of the portfolio. Well, yes. Equities get, what, ~7-8% real? Bonds get...
by emoore
Sun Apr 01, 2018 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: 4% SWR - planning for worst, hoping for better
Replies: 37
Views: 2304

Re: 4% SWR - planning for worst, hoping for better

I've played with Firecalc and such tools plugging in different withdrawal amounts and seeing the "odds" of success . The 4% studies are more of academic interest than really being all that useful since people expenses are not constant in retirement. You also need to consider the definition of "fail...
by emoore
Fri Mar 30, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 130
Views: 13435

Re: 2018 Forester vs CRV vs RAV4

I have owned a CRV and currently own a 2018 Forester turbo model. I love my Forester. It is so fast and handles great. Mileage is awesome as well. So easy to get in and out of, great visibility and features. I remember the Honda not having very comfortable seats especially after highway driving. I ...
by emoore
Fri Mar 30, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 130
Views: 13435

Re: 2018 Forester vs CRV vs RAV4

Toyota just announced a new 2019 RAV4. Looks interesting and much better than the current car. Even will come with Car Play. Not going to be out until the end of the year though. All a nono for me. No manual transmissions available. Just dumbed down for the American market. In the not to distant fut...
by emoore
Mon Mar 19, 2018 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Priority of payoffs
Replies: 12
Views: 995

Re: Priority of payoffs

I agree with what most people said. Pay off the 2nd mortgage and the cars. Don't worry about the 401k loan too much. The recent tax law has changed the grace period for paying off a 401k loan after you leave your job. It was 60 days and now it's the following years tax date (April or October if you ...
by emoore
Wed Mar 14, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 140
Views: 13824

Re: New Car: Ever make sense to lease?

I think it's fascinating that consensus here now is that a major technological revolution will wipe out the value of ICE cars within 5-10 years. We just bought a new ICE that I plan to keep for the next 10-20 years, so that's disconcerting, but I also welcome a shift to all self-driving cars as muc...
by emoore
Fri Mar 09, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Anyone ever have success getting out of a lease?
Replies: 27
Views: 2154

Re: Anyone ever have success getting out of a lease?

I'm not addressing getting out of your lease, I simply will say that closings on homes can, and all too frequently, do have dates moved back. You might come to appreciate that extra month you have. Last minute things can throw a monkey wrench into the best laid plans. Personally, I wouldn't cut thi...
by emoore
Mon Mar 05, 2018 11:41 pm
Forum: Personal Consumer Issues
Topic: Whole House Natural Gas Generator
Replies: 110
Views: 6953

Re: Whole House Natural Gas Generator

I would think in 10 to 15 years the most common backup would be batteries. No fuel needed and more can be added as needed. I would bet in 10years they will be cheap enough to get 50 or 100 kWh or more.