Search found 1283 matches

by just frank
Fri Dec 15, 2017 5:24 am
Forum: Personal Finance (Not Investing)
Topic: Wow. Just Wow.
Replies: 29
Views: 4200

Re: Wow. Just Wow.

We used to read and use those local 'Best of' recs for things. Until every one of them turned out to be awful. Since then we have decides that that is the list of things to avoid.
by just frank
Tue Dec 12, 2017 6:01 am
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 133
Views: 5095

Re: Snow Tires? Worth it?

My wife has a backroad commute here in the (tropical) Pennsylvania. Not much snow, but plenty of ice in both white and black forms. Some days she sees a few AWD SUVs sitting in the ditch along the way. Some people get overconfident with AWD and all-seasons. I put snows on her FWD commuter..previousl...
by just frank
Tue Dec 12, 2017 5:21 am
Forum: Personal Consumer Issues
Topic: Space Heater Thermostat Temp-based or just Duty Cycle
Replies: 8
Views: 574

Re: Space Heater Thermostat Temp-based or just Duty Cycle

Also, if I remember right in Washington state, if a dwelling does not have a permanently wired or plumbed primary heating source, it is out of code. I don't remember where at the moment to check for confirmation on that. I suppose whether that is a deficiency you'd want to raise a fuss about might ...
by just frank
Tue Dec 12, 2017 5:17 am
Forum: Investing - Theory, News & General
Topic: Just not getting it
Replies: 81
Views: 10265

Re: Just not getting it

I believe that the OP wants to employ a 'growth tilt'. I do too, and have. At some point in the future, I may not want a growth tilt.

Are we still Bogleheads?
by just frank
Fri Dec 08, 2017 9:59 am
Forum: Investing - Theory, News & General
Topic: Call the Top!
Replies: 29
Views: 2588

Re: Call the Top!

I think we might get a run up past 4000, but not 5000, in the next few years.

I won't worry (and will try to stay 100% equities) until most of the Millenials I know are giving me stock tips.
by just frank
Tue Dec 05, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 8331

Re: Growing Number of Electric Vehicles

I had a Physics prof who railed against engineers basing measurements on every third factor, as opposed to every factor. By that I mean things like microfarad, nanofarad, and picofarad. I've actually come to appreciate this, since I have no desire to memorize the proper Greek prefix for say, 1*E-7....
by just frank
Tue Dec 05, 2017 5:33 am
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 8331

Re: Growing Number of Electric Vehicles

I'm sorry, but I saw nothing in that article that suggested that the alternative to the demand shedding was a brownout. Did we read the same article? The Flex Alert and subsequent warning on Feb. 6 were called because of extreme cold weather in much of the United States and Canada impacting fuel su...
by just frank
Mon Dec 04, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 8331

Re: Growing Number of Electric Vehicles

My office has ~1,000 employees onsite and 4 EV chargers. It's going to be very interesting to see what happens over time when we have significantly more than 4-5 EV owners, assuming EV adoption accelerates as predicted. Especially in the dead of winter. I work at a hospital which has existed at the...
by just frank
Mon Dec 04, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 8331

Re: Growing Number of Electric Vehicles

I disagree this is 'rationing', which implies scarcity, rather than a market with mixed pricing. When these high demand events occur there are in fact additional available resources that can be fired up to meet the demand. Ahh, but in fact there times when there electricity *is* scarce, not to ment...
by just frank
Sun Dec 03, 2017 6:12 am
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3114

Re: Electric Car (Nissan Leaf) for a teen driver?

My 17 yo daughter is learning to drive on our leased LEAF, which is mom's daily driver, and she is sad that the car is about to get returned at end of lease. She's an EV native and, unsurprisingly, rolls her eyes when she has to drive a stinky gas-wagon. If we needed a third car (mom just got a Bolt...
by just frank
Sun Dec 03, 2017 5:49 am
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 8331

Re: Growing Number of Electric Vehicles

Again, there is a bigger picture here... If we went to all electric light vehicles, it would increase US electrical demand about 20-30%. Even if all purchases of new cars went 100% electric overnight, the changeover in the fleet would take 10 years (average car age), so that is a (very predictable) ...
by just frank
Sat Dec 02, 2017 5:55 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23532

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

Tesla starts asking customers, who are not employees of Tesla or Tesla-related companies, to design their model 3s today. Tesla estimates a 4-week waiting period before delivery. It's still an unknown issue if the federal $7500 credit will disappear by the end of 2017. Can I assume you mean 2018? T...
by just frank
Sat Dec 02, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 8331

Re: Growing Number of Electric Vehicles

I disagree this is 'rationing', which implies scarcity, rather than a market with mixed pricing. When these high demand events occur there are in fact additional available resources that can be fired up to meet the demand. Many utilities are brokers (transmission) rather than suppliers (generation)....
by just frank
Wed Nov 29, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 8331

Re: Growing Number of Electric Vehicles

just an FYI 40% of all new power installation last year was solar(in the US). If you have a source for this it would be helpful, in my area, I have seen some serious NG generators coming online, but I can't recall a single Solar plant as they are usually on the distribution lines. Now, it makes sen...
by just frank
Tue Nov 28, 2017 6:58 am
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 8873

Re: Tesla truck unveil

For us as a consumer wanting to buy good electric cars Tesla is great. Without Tesla you would not see the speed of development you do now with all other brands around electric cars. They also push self driving forward (even if Tesla does not deliver themselves yet). The Nissan LEAF came out 18 mos...
by just frank
Tue Nov 28, 2017 5:58 am
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 8331

Re: Growing Number of Electric Vehicles

The real question you should be asking about having all EV's is the infrastructure to provide enough charging stations for future EV's (if they all were to replace gasoline powered vechices)? Imagine every apartment complex needing a charging station at every parking spot. ANYWHERE you have people ...
by just frank
Mon Nov 27, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 8331

Re: Growing Number of Electric Vehicles

Conversely, EVs make the grid more stable: it is straightforward to enable the utility to regulate EV charging at home via the internet. In exchange for a lower rate, in the future you can allow to utility to ramp down charging when they want to to lower demand, and to ramp it up when they have exce...
by just frank
Fri Nov 24, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 143
Views: 15284

Re: Chromebooks- What is the lure?

Can Chromebooks handle Excel or other spreadsheets? 1210 The Google software G-Suite contains a spreadsheet program called 'Sheets', that as suggested by its homonym, is not all that. It can open and save simple Excel sheets in native format...but complicated Excel features might get messed up in t...
by just frank
Thu Nov 23, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23532

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

How is the 200k'th delivery get counted? I just read the 3rd quarter update and they marked the 250,000th delivery. http://files.shareholder.com/downloads/ABEA-4CW8X0/5605378034x0x962149/00F6EB90-2695-44E6-8C03-7EC4E06DF840/TSLA_Update_Letter_2017-3Q.pdf Its 200k in the US to trigger rebate phaseou...
by just frank
Thu Nov 23, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23532

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

I recently did a deep dive in EV depreciation. On a 3-year basis... Model S retains about 0.63 residual value relative to purchase price LEAF retains about 0.18 residual value relative to MSRP, 0.30 relative to discounted/rebated price. Projected Bolt EV depreciation (by independent analysts) is 0.4...
by just frank
Thu Nov 23, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23532

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

I got my Chevy Bolt EV yesterday, MSRP fully loaded, 'LT' trim, was $40k. Got a 3k discount off MSRP from the dealer (matching KBB expectations), a $7500 fed rebate, and a $1750 (taxable) rebate from PA. My cost is $28k before sales tax and title. No waiting....a local dealer had what we wanted on t...
by just frank
Thu Nov 23, 2017 6:18 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23532

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

Tesla starts asking customers, who are not employees of Tesla or Tesla-related companies, to design their model 3s today. Tesla estimates a 4-week waiting period before delivery. It's still an unknown issue if the federal $7500 credit will disappear by the end of 2017. Can I assume you mean 2018? T...
by just frank
Tue Nov 21, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: LED Lightbulbs - Recommended Brands
Replies: 48
Views: 2896

Re: LED Lightbulbs - Recommended Brands

I installed a Phillips 3 way bulb this week. Immediately it became a 2 way bulb as one option burned out. Are you sure it is not a problem with the socket contacts....those can get wonky in a 3-way lamp. I'm pretty much lost on electrical stuff. How would I check the contacts? Try another 3 way bul...
by just frank
Tue Nov 21, 2017 6:17 am
Forum: Personal Consumer Issues
Topic: LED Lightbulbs - Recommended Brands
Replies: 48
Views: 2896

Re: LED Lightbulbs - Recommended Brands

Swansea wrote:
Tue Nov 21, 2017 5:34 am
I installed a Phillips 3 way bulb this week. Immediately it became a 2 way bulb as one option burned out.
Are you sure it is not a problem with the socket contacts....those can get wonky in a 3-way lamp.
by just frank
Tue Nov 21, 2017 5:36 am
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 8873

Re: Tesla truck unveil

My wild guess is that some larger cities will announce future limits for diesel powered vehicles operating within city limits. Following the lead of some EU cities, this will start as a congestion charge with an escalating cost over time, ending with a total ban. I see the Tesla semi as largely a 'b...
by just frank
Tue Nov 21, 2017 5:21 am
Forum: Personal Consumer Issues
Topic: LED Lightbulbs - Recommended Brands
Replies: 48
Views: 2896

Re: LED Lightbulbs - Recommended Brands

Phillips and Hyperikon, both from amazon, have been very solid performers for years. My Crees from the big box stores were junk.

Sometimes I buy them **used**, also from amazon and a steep discount, and that has never been a problem.
by just frank
Mon Nov 20, 2017 5:55 am
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 67
Views: 3839

Re: Michelin or Bridgestone?

Another vote for the Michelin Premiers....I got them this year. I like that they are engineered for wet stopping power when worn.
by just frank
Mon Nov 20, 2017 5:41 am
Forum: Personal Consumer Issues
Topic: Are expensive tires worth it?
Replies: 42
Views: 2625

Re: Are expensive tires worth it?

What Nisi said....if you get a LOT of rain, or any snow/ice, replace the tires when the tread gets low. My guess is that any cheap new tire will outperform any expensive tire worn to 4/16" in bad weather. I also found the MIchelin Premier A/S tires that are engineered to have constant stopping power...
by just frank
Thu Nov 16, 2017 5:41 am
Forum: Personal Consumer Issues
Topic: Looking for a Catamaran
Replies: 21
Views: 1783

Re: Looking for a Catamaran

After a day sailing with a friend recently, I looked at some Gemini cats. Seems that they rent out in FL and the Bahamas for about what a summer rental house is per week (without crew), and can sleep two small familes. So if you know what you are doing, and have some certification to prove it, you c...
by just frank
Sat Nov 11, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Risk of all eggs in one (brokerage) basket
Replies: 14
Views: 1786

Re: Risk of all eggs in one (brokerage) basket

I am less worried about institutional loss than something such as a 'freeze'. I.e. some malfeasance or hacking occurs, the feds or auditors are called in, and all accounts are frozen until the process is done.

Two firms means that you can still access much of your money during such an event.
by just frank
Sat Nov 11, 2017 7:10 am
Forum: Investing - Theory, News & General
Topic: The average American retiree household
Replies: 57
Views: 10938

Re: The average American retiree household

http://www.businessinsider.com/heres-the-average-net-worth-of-americans-at-every-age-2017-6 What is the upper boundary (in percentile terms) of the fifth quintile? It can't be 100% (on those charts). Surely there are married couples age 65+ with a net worth greater than $2,200,000. The top quintile...
by just frank
Thu Nov 09, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Home backup generator experiences
Replies: 51
Views: 2852

Re: Home backup generator experiences

I sprung for a $100 700W generator a few years ago, maybe another hundred bucks worth of parts, quality gas cans, and a propane camp stove. I was willing to pay $200 for the peace of mind, ability to run fridge and sump pumps, etc. Power runs into house using extension cords, distributed as needed,...
by just frank
Thu Nov 09, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Home backup generator experiences
Replies: 51
Views: 2852

Re: Home backup generator experiences

Interesting - could you use the Leaf to get 220V power (for well pump) My generator feeds a 220 line to my transfer switch (which I guess means it feeds both side of the service panel.) LEAF (and most other EVs) have a ~1600W DC-DC converter that powers the 12V accessories off the HV traction batte...
by just frank
Thu Nov 09, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Home backup generator experiences
Replies: 51
Views: 2852

Re: Home backup generator experiences

I sprung for a $100 700W generator a few years ago, maybe another hundred bucks worth of parts, quality gas cans, and a propane camp stove. I was willing to pay $200 for the peace of mind, ability to run fridge and sump pumps, etc. Power runs into house using extension cords, distributed as needed, ...
by just frank
Sun Nov 05, 2017 6:08 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23532

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

I would "guess" the Bolt with a max. of 50 kW vs. Tesla 120 kW. Would take 2-3X longer with a DC fast charge. Level 2 chargers would be around 7 kW, or around 15x longer. Thanks for the datapoint. Anyone have a sense of how easy it is to find DC fast charge or Level 2 charge stations for Bolt compa...
by just frank
Fri Nov 03, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23532

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

Current House tax plan eliminates $7500 Fed tax credit for EVs, effective Dec 31st, 2017. https://insideevs.com/house-republicans-propose-removal-of-7500-ev-tax-credit-this-year/ FYI: discussing pending legislations (i.e. its merits) is forbidden....but I think we can discuss how this might change o...
by just frank
Wed Nov 01, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23532

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

The EPA range has matched our use cases...a lot of two-lane driving at 40-50 mph in a variety of weather. If you CA driving was all on the freeway at 70 mph...that is another story. The range on mine falls off a cliff around 65-70 mph....but most of my freeway legs are only 10-15 miles. Yes, my CA ...
by just frank
Wed Nov 01, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23532

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

Many people have reported problems with later Leafs than mine. Even some 2016s with the 30 kWh battery have already lost a lot (many bars, lot of capacity). I was just reading about this on the SF Bay Nissan Leaf facebook group. My own Leaf couldn't do more than 55 miles on the freeway on day 1 in ...
by just frank
Wed Nov 01, 2017 4:39 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23532

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

I'm sorry you had a hard time with your 2012 @madbrain. They changed the chemistry to be more heat tolerant mid 2013, 4 years ago. They also switched the upper trims to a heat pump cabin heater (which reverts to resistance heat only in extreme cold). My 2013 has been a dream....30k miles and no not...
by just frank
Tue Oct 31, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23532

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

Chevy and Nissan also make long range EVs, and have dealers across the US. Nissan does not really made a long range EV yet. Even the 2018 Leaf only has 150 miles EPA range. If you use the heater, account for about 30% loss. That's closer to 100 miles. I would probably have to drive 55 or stop the h...
by just frank
Tue Oct 31, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 84
Views: 5594

Re: New Car: Ever make sense to lease?

As @Fragglerock mentioned....EVs Cars and the car market are changing rapidly. This will significantly affect things like resale on cars in 5-10 years. If someone said that the KBB value of sedans was going to be halved in 5-7 years, does buying new at the current price still make sense? I'm afraid...
by just frank
Tue Oct 31, 2017 7:57 am
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 84
Views: 5594

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 just frank
Tue Oct 31, 2017 4:25 am
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or Not - Get One? How did you choose?
Replies: 128
Views: 6672

Re: To Avatar or not to Avatar . . how did you choose or not choose?

A lot of the subject matter here is necessarily pretty grim...things that most people are afraid to look at or think about.

Frank reminds me to confront those fears, act as needed, and to remember to laugh while I am doing it.

Happy Halloween!
by just frank
Tue Oct 31, 2017 4:15 am
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 84
Views: 5594

Re: New Car: Ever make sense to lease?

As @Fragglerock mentioned....EVs Cars and the car market are changing rapidly. This will significantly affect things like resale on cars in 5-10 years. If someone said that the KBB value of sedans was going to be halved in 5-7 years, does buying new at the current price still make sense? Or should y...
by just frank
Mon Oct 30, 2017 5:01 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23532

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

Returned recently from a multi-state motorcycle camping trip starting in Calif and heading thru NV, UT, CO, NM, and AZ before returning. Once we got East of Palmdale, CA we saw no Tesla's, no German cars other than a few VWs, no Mazdas, no Jags, Land Rovers, Range Rovers, or other high end cars. Pr...
by just frank
Mon Oct 30, 2017 4:55 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23532

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

It took just over 3 weeks to receive my refund in the mail. Clark Howard recently opined that a used Tesla S is a much better deal than a new Model 3. He claims you can get a used S for the mid $40,000s, and believes it is a much better car than the 3. I don’t know much about the variations of the ...
by just frank
Mon Oct 23, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 11094

Re: anyone else not liking the new cars?

I don't have any such anti-nuke bias, and worked for a few summers in 'hot' radiation zones (wearing my badge) and taken courses and done experiments in nuclear physics. Cool tech and can be made safe, but not nearly cheap enough to compete. Not enough U to make a sustainable dent in global power n...
by just frank
Sun Oct 22, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 11094

Re: anyone else not liking the new cars?

Yes, it will be very interesting indeed. Solar/wind have difficulty breaking even and will thus _always_ rely on old school energy sources when it's either night time or when there's no wind. The 'clean' power sources can help but there's no way they will replace coal/oil/nuclear. Example: https://...
by just frank
Sun Oct 22, 2017 4:20 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 11094

Re: anyone else not liking the new cars?

And frackers being profitable at $50/bbl....all due to direct subsidies for production from the govt...without that, they would be stretched to turn a profit below $70-80/bbl. A nice article is here: https://www.vox.com/energy-and-environment/2017/10/6/16428458/us-energy-subsidies Let's check back ...
by just frank
Sat Oct 21, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 11094

Re: anyone else not liking the new cars?

And frackers being profitable at $50/bbl....all due to direct subsidies for production from the govt...without that, they would be stretched to turn a profit below $70-80/bbl. A nice article is here: https://www.vox.com/energy-and-environment/2017/10/6/16428458/us-energy-subsidies Let's check back ...