Search found 620 matches

by emoore
Wed Jul 01, 2020 3:01 pm
Forum: Personal Consumer Issues
Topic: Solar with battery/tesla wall
Replies: 65
Views: 3652

Re: Solar with battery/tesla wall

Does Tesla price include installing? Yes. Here's an itemized breakdown of a "Large" 36 panel quote: $6,580 12.24 kW DC Solar Panels $3,290 Inverter(s) & Balance of System $1,175 Mounting Hardware $12,455 Installation, Permitting, and Other Fees ------- $23,500 Total How Tesla gets bulk panels at $0...
by emoore
Wed Jul 01, 2020 2:56 pm
Forum: Personal Consumer Issues
Topic: Solar with battery/tesla wall
Replies: 65
Views: 3652

Re: Solar with battery/tesla wall

Thegame14 wrote:
Sat Jun 27, 2020 6:32 pm
going to pay likely double for "tesla" brand. Use energy sage to get quotes then call a local company and see if they will match.
Tesla has actually been the cheapest in most cases. They significantly lowered their prices and during my install a few years ago they matched the lowest.
by emoore
Tue Jun 30, 2020 2:49 pm
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 137
Views: 9767

Re: YoutubeTV subscription now $64.99/month

I just switched from YouTube TV to Hulu Live TV since we already had Hulu. Hulu Live TV is $55 and has almost the identical channels that YouTube TV has. Plus you can get a discount if you bundle with Disney + and ESPN +.
by emoore
Fri Jun 19, 2020 9:00 am
Forum: Personal Consumer Issues
Topic: How much home can/should one buy?
Replies: 173
Views: 21516

Re: How much home can/should one buy?

Nope they are not house poor. As mentioned earlier that's not the definition of house poor. You would need to come up with another term because you are confusing your requirement with house poor. emoore, Do you agree that this person has less net worth as compared to the house? I believe the answer...
by emoore
Thu May 28, 2020 1:56 pm
Forum: Personal Consumer Issues
Topic: Car shopping PHEV / ICE / or all electric?
Replies: 75
Views: 6174

Re: Car shopping PHEV / ICE / or all electric?

Tesla: our test drive is scheduled for today; in the meantime, they called to say that there is a price cut. I read that this is partially to offset the loss of clean-air tax incentives. Or, it's intended to make purchase more competitive with auto manufacturers who are reducing their APR on financ...
by emoore
Wed May 27, 2020 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 121
Views: 12560

Re: Approaching 40, worried about financial future

With a starting balance of $111k and annual contributions totaling $7,220, a 3.5% real return over 27 years would result in $597k in today's dollars. You're adjusting for inflation twice by using a 3.5% real return but then reducing the final balance based on 2% annualized inflation, effectively re...
by emoore
Fri May 22, 2020 1:24 pm
Forum: Investing - Theory, News & General
Topic: Roth + Time vs Pretax + tax
Replies: 94
Views: 5356

Re: Roth + Time vs Pretax + tax

If your tax rate is the same at 18 thru end of retirement then it doesn't matter if you go Roth or Traditional. They will be equal. But in real life your taxes are variable so that's where the advice came from. Not sure what time has to do with it if your tax rate is the same.
by emoore
Wed May 20, 2020 3:14 pm
Forum: Personal Consumer Issues
Topic: Ford F150 Engine long term reliability - V8 versus Turbo V6?
Replies: 62
Views: 3916

Re: Ford F150 Engine long term reliability - V8 versus Turbo V6?

If I had to choose between the two then I would choose the turbo 6. I've owned a turbo for 9 years and haven't had any issues. I'm not sure more moving parts means less reliable. That would make a Tesla the most reliable car ever! On the other hand if I were looking at a Ford Truck I would hold out ...
by emoore
Tue May 19, 2020 11:47 am
Forum: Personal Consumer Issues
Topic: VW and Audi 0% APR - to buy or not?
Replies: 46
Views: 2789

Re: VW and Audi 0% APR - to buy or not?

Do you need or want AWD? The Golf R has AWD but is pretty expensive. If you don't need AWD then the GTI would work. Probably 90% of the performance for many thousands cheaper. I still have my GTI and love it. 9 years old with 100k+ miles and still going strong. Had 2 issues; high pressure fuel pump ...
by emoore
Tue May 12, 2020 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Hang on to old car or buy new one?
Replies: 38
Views: 2163

Re: Hang on to old car or buy new one?

How is the acura costing you $2k/year in repairs? Is it a lemon? That car has low miles and isnt that old...how can it possibly cost that much per year to maintain? I hope you're not including the cost of insurance and fuel. We have 3 cars...newest is a 2009 with 99K miles, My daily driver is 2008 ...
by emoore
Wed May 06, 2020 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Car Purchase - Financing vs Down Payment, GAP Insurance, Extra Warranties
Replies: 58
Views: 2027

Re: Car Purchase - Financing vs Down Payment, GAP Insurance, Extra Warranties

I'm sure you could have saved at least 5 grand on this purchase by asking them to remove the CPO designation and not fallen for their parlor tricks. I did not realize that you could do this with the CPO, but I'm not sure I would have saved 5 grand (unless you are counting the GAP and tire and wheel...
by emoore
Wed Apr 29, 2020 11:40 am
Forum: Personal Consumer Issues
Topic: Highlander or RAV4
Replies: 57
Views: 3365

Re: Highlander or RAV4

I have a 2015 Highlander. It's a nice car but the mileage is terrible. If I didn't need a 3rd row and I was deciding between the 2 I would choose the Rav4 since they just updated it. I would actually wait for the Rav4 Prime. Plug in hybrid with 39 miles of all electric range and 300 hp. Much better ...
by emoore
Tue Apr 28, 2020 5:01 pm
Forum: Personal Consumer Issues
Topic: Household batteries + charger
Replies: 24
Views: 1237

Re: Household batteries + charger

I'll add another vote for the ikea batteries. 2450 mAhr is some of the best you will see in AA rechargeable and they are only $7 for 4 of them. I probably have 20 of them floating around the house.
by emoore
Mon Apr 27, 2020 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: How do you explain no COVID19 Stimulus Payment?
Replies: 89
Views: 7313

Re: How do you explain no COVID19 Stimulus Payment?

I would just tell the truth and not be evasive. Honesty is the best policy. So if less well off friends/relatives asked you exactly how much you make you'd be okay answering? That’s a false equivalence. No, I would say I’m not telling you as that’s private information. The same as if they asked me ...
by emoore
Mon Apr 27, 2020 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do you keep cold hard cash in your home?
Replies: 22
Views: 1275

Re: Do you keep cold hard cash in your home?

I usually have a few hundred in 20s to throw at the kids when they are going out with their friends. Otherwise I think it's much safer to keep cash in the bank.
by emoore
Mon Apr 27, 2020 10:49 am
Forum: Personal Investments
Topic: Why am I even saving for retirement?
Replies: 223
Views: 20233

Re: Why am I even saving for retirement?

I don't totally agree with your no savings plan but I do agree that it seems a bit much to be saving over $100k a year for retirement. I feel the same way. I'll max out my 401K and 2 Roths but beyond that I'm not earmarking my extra savings for retirement. I'll still save the extra money but I will ...
by emoore
Fri Apr 24, 2020 9:26 am
Forum: Personal Consumer Issues
Topic: Computers - Solid State Drive vs. Hard Disk Drive
Replies: 75
Views: 4193

Re: Computers - Solid State Drive vs. Hard Disk Drive

I'll add that I "saved" my 5 year old iMac buy adding an external NVME boot drive. It was very slow with the internal HDD and with apple you can't replace anything. So I added a 500 GB NVME external boot drive. Speed is limited by the USB 3 connection but it's still many times faster than the intern...
by emoore
Thu Apr 23, 2020 8:50 pm
Forum: Personal Consumer Issues
Topic: Replacement for 4Runner
Replies: 70
Views: 4229

Re: Replacement for 4Runner

So wife and I are starting the process of replacing her 2009 Toyota Highlander. We test drove a 2020 4Runner, which was our frontrunner based on owning a 2000 4Runner in the past (best car I've ever owned by a wide margin), and our great history with Toyota's - collectively we've owned 5 with my cu...
by emoore
Thu Apr 23, 2020 2:21 pm
Forum: Personal Consumer Issues
Topic: Computers - Solid State Drive vs. Hard Disk Drive
Replies: 75
Views: 4193

Re: Computers - Solid State Drive vs. Hard Disk Drive

I'll echo what everyone else has said, SSD for sure. No computer should come with a HDD for the operating system and programs. Maybe for bulk storage in a desktop but the startup disk should be and SSD. Why would you just not use the cloud for bulk storage? It's cheap, Reliable and secure. and can ...
by emoore
Thu Apr 23, 2020 1:48 pm
Forum: Personal Consumer Issues
Topic: Computers - Solid State Drive vs. Hard Disk Drive
Replies: 75
Views: 4193

Re: Computers - Solid State Drive vs. Hard Disk Drive

I'll echo what everyone else has said, SSD for sure. No computer should come with a HDD for the operating system and programs. Maybe for bulk storage in a desktop but the startup disk should be and SSD.
by emoore
Thu Apr 23, 2020 12:47 pm
Forum: Personal Consumer Issues
Topic: Replacement for 4Runner
Replies: 70
Views: 4229

Re: Replacement for 4Runner

Thanks for the replies all. As I stated in my initial post, I do not need to be convinced of the 4Runner's reliability/reputation/resale value (I've owned Toyotas for 20 years). I thought we would walk in, take a test drive, and take it home but as I stated we are having second thoughts. Due to the...
by emoore
Thu Apr 23, 2020 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9807

Re: Best Covid19 resistant job

Government! Easily. I certainly would not make career plans with Covid-19 in mind! I'm currently a government employee; I would not choose such a position unless it were for the actual position/career-move itself. Do you worry what will happen when many people are unable to pay taxes? My state gove...
by emoore
Mon Apr 20, 2020 6:12 pm
Forum: Investing - Theory, News & General
Topic: Price of oil has collapsed; how will this impact the economy?
Replies: 108
Views: 8520

Re: Price of oil has collapsed; how will this impact the economy?

We have hit peak oil consumption in 2019/early 2020. EVs will start to become more and more of the new cars. It's time to start transitioning to the new future.
by emoore
Mon Apr 20, 2020 6:07 pm
Forum: Personal Investments
Topic: How can I "buy into oil" at these prices?
Replies: 57
Views: 5744

Re: How can I "buy into oil" at these prices?

How does one "buy into oil" at these prices? As of this post - a barrel of oil is around $1.65 a barrel. I'm willing to toss 5k into something but USO and UGA are the only 2 funds I know of that are supposed to have some form of "tracking" of the oil price but I've watched them for some time and th...
by emoore
Sat Apr 18, 2020 8:43 pm
Forum: Investing - Theory, News & General
Topic: How to "invest" in oil?
Replies: 85
Views: 6610

Re: How to "invest" in oil?

Ok I'll admit it is not investing but gambling. If I want to bet on oil price what is the best way to do it? Is there a particular mutual fund that correlates fully to oil price? I know I can invest in Exxon etc but like to know if there are more direct alternatives. I'd advise against investing in...
by emoore
Tue Apr 14, 2020 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: COVID-19 Stimulus Payment Issue
Replies: 86
Views: 7870

Re: COVID-19 Stimulus Payment Issue

I understand that situation. I'm in a similar one. I filed my 2019 taxes with 2 children (under 17) so theoretically I should get $500 for each. But they are claimed by their other parents for 2018 and I'm not sure if the other parents have filed their 2019 taxes or not. Should be interesting to se...
by emoore
Tue Apr 14, 2020 1:06 pm
Forum: Personal Consumer Issues
Topic: Flying in September, think it will be safe?
Replies: 73
Views: 4334

Re: Flying in September, think it will be safe?

nascar090210 wrote:
Tue Apr 14, 2020 12:19 pm
Air travel should reopen in about 2 weeks. Hopefully, common sense will prevail by then. Enjoy your travels. Don’t let the media and “experts” frighten you with their highly inaccurate models and social distancing nonsense.
Nope it won't be opening up anytime soon.
by emoore
Tue Apr 14, 2020 10:21 am
Forum: Personal Consumer Issues
Topic: Flying in September, think it will be safe?
Replies: 73
Views: 4334

Re: Flying in September, think it will be safe?

I wouldn't fly but that's just my opinion. I'd be more willing to drive.

I agree that airline demand won't get back to 2019 levels for many years if ever. And large conventions or sporting events probably won't happen until there is a vaccine.
by emoore
Sun Apr 05, 2020 8:37 pm
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 268
Views: 16543

Re: What percentage of your paycheck do you invest?

My family puts 10% of each paycheck into our investment accounts. We are looking to increase this to 15% moving forward. How about all of you? Same as you: 10-15% of base pay. I’m all over the map with what I do with my annual bonus. I’ll bet you guy were not expecting the kind of answers your gett...
by emoore
Sun Apr 05, 2020 8:30 pm
Forum: Investing - Theory, News & General
Topic: Dow Futures Up Again?
Replies: 131
Views: 8224

Re: Dow Futures Up Again?

justsomeguy2018 wrote:
Sun Apr 05, 2020 7:46 pm
I was hoping for a further decline in anticipation of a Roth conversion. Now conflicted whether to do the conversion now or wait to see if further declines happen. Oh well.
So you're hoping the stock market tanks?
by emoore
Fri Apr 03, 2020 7:22 pm
Forum: Personal Investments
Topic: Pay down mortgage or buy the dip?
Replies: 13
Views: 971

Re: Pay down mortgage or buy the dip?

I'd suggest not changing anything you were doing before the corona crash. Just keep doing what you were planning.
by emoore
Thu Apr 02, 2020 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: COVID-19 Stimulus Payment Issue
Replies: 86
Views: 7870

Re: COVID-19 Stimulus Payment Issue

I understand that situation. I'm in a similar one. I filed my 2019 taxes with 2 children (under 17) so theoretically I should get $500 for each. But they are claimed by their other parents for 2018 and I'm not sure if the other parents have filed their 2019 taxes or not. Should be interesting to see...
by emoore
Sun Mar 29, 2020 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Pros/Cons on Retiring to Florida Gulf Coast & Recommended Areas Input Please
Replies: 33
Views: 3599

Re: Pros/Cons on Retiring to Florida Gulf Coast & Recommended Areas Input Please

I'm not retired nor do I live in Florida but I have a good friend that does and I do visit him. My suggestion would be to stay for a couple of months in the summer and see if you can handle it. The humidity is oppressive. I grew up in the Chicago area and I know it's humid there. But the difference ...
by emoore
Tue Mar 24, 2020 2:24 pm
Forum: Personal Consumer Issues
Topic: Chewy pet food delivery
Replies: 26
Views: 2020

Re: Chewy pet food delivery

Mine was delayed a day or two
by emoore
Thu Mar 19, 2020 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Actual Layoff: Just Need Some Positive Reassurances
Replies: 42
Views: 4169

Re: Actual Layoff: Just Need Some Positive Reassurances

Sorry to hear about your job loss. I mean this in all sincerity, if you aren’t going to be alright, nobody will. You have a lot of wealth and likely good work experience. It is never a good time to get laid off but this is going to be a tough, tough time for many, many people. You could live years,...
by emoore
Thu Mar 19, 2020 12:18 pm
Forum: Personal Investments
Topic: Unprepared for Potential Great Depression Part 2
Replies: 245
Views: 23969

Re: Unprepared for Potential Great Depression Part 2

In my opinion, the people who are not at least acknowledging a better-than-vastly-remote chance we enter a depression are not paying attention right now. I can't predict the future but I can extrapolate. I'm quite hopeful we avoid it and I am optimistic on American and global ingenuity in fighting ...
by emoore
Fri Mar 13, 2020 9:59 pm
Forum: Personal Consumer Issues
Topic: Fly or Drive to FL?
Replies: 52
Views: 3581

Re: Fly or Drive to FL?

Drive or don't go at all.
by emoore
Fri Mar 06, 2020 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Installing solar - worth it?
Replies: 70
Views: 4158

Re: Installing solar - worth it?

Yes, solar panels definitely make financial sense under these conditions: your cost of grid electricity is high your local utility offers net metering you live somewhere with a decent amount of sun OP mentioned living in San Diego. That ticks all the boxes. To crunch the numbers, you need to know t...
by emoore
Thu Mar 05, 2020 11:31 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffet on renewable energy
Replies: 94
Views: 6932

Re: Warren Buffet on renewable energy

I recommend AWEA for those looking for information about wind energy, and EIA coal and natural gas. For those without understanding of the trends that are happening, I wonder how people form their opinions. The trends are very clear. Wind Energy can exist just fine at a 30-40% of total generation c...
by emoore
Thu Mar 05, 2020 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Installing solar - worth it?
Replies: 70
Views: 4158

Re: Installing solar - worth it?

Solar equipment has fairly sophisticated electrical components, all of which can fail over time, especially when subject to weather extremes, heat & moisture are vey tough on componet life. Also, keep in mind hail will be an issue too. If you have any type of battery storage they have a short life ...
by emoore
Wed Mar 04, 2020 10:48 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffet on renewable energy
Replies: 94
Views: 6932

Re: Warren Buffet on renewable energy

If solar and wind are cheaper than how we currently make electricity with say natural gas, nuclear, coal, etc. nobody will have to "do" anything, it will simply be built because there will be demand for it. Pretty much only natural gas, wind, and solar are viable right now. Existing coal and nuclea...
by emoore
Wed Mar 04, 2020 10:18 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffet on renewable energy
Replies: 94
Views: 6932

Re: Warren Buffet on renewable energy

Not against renewables or cleaner and greener energy but we are trying to force technology to advance by throwing wads of money at it . Thought that was a really odd sentiment... It's a pretty safe argument that the vast majority of technological advancement in the US, and likely the history of the...
by emoore
Tue Mar 03, 2020 12:17 pm
Forum: Personal Investments
Topic: Refinance to 15 year fixed, or continue IRA contributions?
Replies: 14
Views: 928

Re: Refinance to 15 year fixed, or continue IRA contributions?

Keep the 30 year. You can always pay extra or refinance later. I would NOT stop the IRA. You can't get that pre-tax space back and you will probably regret not using it. You are only looking a less than a 1% difference in rate. Not worth it IMO.
by emoore
Fri Feb 28, 2020 8:57 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffet on renewable energy
Replies: 94
Views: 6932

Re: Warren Buffet on renewable energy

To put UK wind capacity in perspective, apparently in 2018 just under 20% of electricity came from wind, and by 2030 the aim is to get 33% from wind. (Actually I'm surprised that the difference between 2018 and 2030 is so small, with the recent improvement in wind-power economics, i.e. wind becomin...
by emoore
Fri Feb 28, 2020 8:56 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffet on renewable energy
Replies: 94
Views: 6932

Re: Warren Buffet on renewable energy

Government subsidies can make for profitable business, but not necessarily efficient or sustainable systems. The rare-earth metals used to produce the turbines are not a "renewable" resource, and the mining creates environmental hazards as well as using vasts amounts of energy. There is an argument...
by emoore
Fri Feb 28, 2020 8:49 am
Forum: Investing - Theory, News & General
Topic: Warren Buffet on renewable energy
Replies: 94
Views: 6932

Re: Warren Buffet on renewable energy

It sounds to good to be true...Warren mentioned in his annual newsletter he is able to keep the cost of electric extremely well due to their investment in wind turbines. It sounds like this utility company has renewable energy down to a science. My thoughts are: 1. Why aren’t all utilities followin...
by emoore
Thu Feb 27, 2020 8:55 am
Forum: Investing - Theory, News & General
Topic: Warren Buffet on renewable energy
Replies: 94
Views: 6932

Re: Warren Buffet on renewable energy

I think wind turbines are an environmental disaster. They kill birds and bats by the hundreds. The emit low-frequency noise, so they cannot be located near people. You still need all the fuel burning plants for back-up, so have to have all the capital for two systems or accept your lights going out...
by emoore
Wed Feb 26, 2020 9:31 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 233
Views: 22392

Re: Tesla Model Y

Well they are starting to scramble because they will be paying billions in fines in Europe starting this year. Any chance you have a link that discusses this? I am interested in learning more. I've heard about gas cars getting banned after a certain year (not sure what year and if that has passed a...
by emoore
Wed Feb 26, 2020 8:37 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffet on renewable energy
Replies: 94
Views: 6932

Re: Warren Buffet on renewable energy

I think wind turbines are an environmental disaster. They kill birds and bats by the hundreds. The emit low-frequency noise, so they cannot be located near people. You still need all the fuel burning plants for back-up, so have to have all the capital for two systems or accept your lights going out...
by emoore
Wed Feb 26, 2020 5:42 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 233
Views: 22392

Re: Tesla Model Y

Seems to me that Tesla is the new cult following like the Prius was more than a decade ago. Then as it is now there were others that competed in the same space but the Prius was the in thing, and now it isn't. I sort of agree, but there’s a reason for it. I truly wish there were competitive vehicle...