Search found 634 matches

by clutchied
Tue Oct 08, 2019 10:14 pm
Forum: Personal Consumer Issues
Topic: 2010 Prius totaled.... Now what?
Replies: 40
Views: 3705

Re: 2010 Prius totaled.... Now what?

it's got to be a Tesla model 3!
by clutchied
Wed Oct 02, 2019 10:41 am
Forum: Personal Consumer Issues
Topic: Mid-Century Sofa - Quality of Online Brands / Midrange Chains
Replies: 33
Views: 3116

Re: Mid-Century Sofa - Quality of Online Brands / Midrange Chains

We've had the Petrie from C&B for over 8 years now. it's a quality sofa that is holding up well. You have a to be a little careful with the tufted buttons as they are difficult to repair and cleaning the sofa is very difficult. It's a nice sofa and looks the part but it's not all that comfortable.
by clutchied
Sat Aug 31, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: Looking to buy a Patagonia jacket. Which are your favorites?
Replies: 27
Views: 2996

Re: Looking to buy a Patagonia jacket. Which are your favorites?

Down sweater is the most versatile jacket I own. Only weakness is water...

I also have the down vest, which is also great.


The thing that really makes them are the wide temperature tolerability.
by clutchied
Wed Aug 28, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Long distance property managemnt: fiscally responsible or headache?
Replies: 19
Views: 1481

Re: Long distance property managemnt: fiscally responsible or headache?

To be clear, are you advising that OP get a PM and operate at a loss? Or just sell the property? To really do a fair return on the asset investment without a property manager one should impute a cost associated with self-management and reduce the RE income by that amount. The rest is a return on yo...
by clutchied
Tue Aug 27, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Long distance property managemnt: fiscally responsible or headache?
Replies: 19
Views: 1481

Re: Long distance property managemnt: fiscally responsible or headache?

I live in Ohio and have a couple houses in CA. A good property manager is worth so much.

You won't understand until you have to do something or there is an emergency and you are thousands of miles away and in a different time zone.

Get a prop manager. Don't be cheap....
by clutchied
Tue Aug 20, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: Chicago - What to see, do & eat in two days
Replies: 71
Views: 4057

Re: Chicago - What to see, do & eat in two days

daheld wrote:
Tue Aug 20, 2019 7:28 am
Agree with other posters that Navy Pier is not worth the hassle. I really enjoyed the architecture river tour we did. It was awesome.
really fantastic!
by clutchied
Tue Aug 06, 2019 7:48 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 48360

Re: Talk me out of buying a Tesla Model 3

This is really not confidence inspiring..., I am hesitant to buy one in locations with brutal winters. How is the battery life? Battery life should be fine in a well designed modern EV. The range in cold weather is the issue. Figure a 40%+ reduction in range and the range figures are very optimisti...
by clutchied
Mon Aug 05, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 48360

Re: Talk me out of buying a Tesla Model 3

I am hesitant to buy one in locations with brutal winters. How is the battery life? Battery life should be fine in a well designed modern EV. The range in cold weather is the issue. Figure a 40%+ reduction in range and the range figures are very optimistic to start with. You would be best served to...
by clutchied
Fri Aug 02, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 48360

Re: Talk me out of buying a Tesla Model 3

"Stealth" is what I got. There is a 5K or so performance upgrade, can get it with 18 inch wheels but still same price. Or call a sales center and ask for a 2K performance speed car, just the speed. No 21" wheels, no red calipers. I think my car was a factory performance with things removed to sell ...
by clutchied
Thu Aug 01, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 48360

Re: Talk me out of buying a Tesla Model 3

There is also a subjective difference between taking an Accord from zero and doing so in a vehicle whose gross weight is over 6,000 pounds. There's also a subjective difference between a $25k car and one that costs over $100k. I'm a huge supporter of EVs, but the hyperbole that comes from TESLA own...
by clutchied
Mon Jul 29, 2019 11:47 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7627

Re: Whole-house generators - Generac, Kohler, or Briggs?

Bought a 20kW Honeywell/generac generator with 200 amp transfer for $3500 from Costco on sale. Hired a full service electrician and plumber to pipe and wire it in for $2700 all in with permits and one load shed.

They were done in a day and my power hasn't gone out in 6 months.... My wife loves it.
by clutchied
Mon Jul 22, 2019 4:13 pm
Forum: Personal Consumer Issues
Topic: Solar Panel worth it 2019? SoCal region
Replies: 46
Views: 4893

Re: Solar Panel worth it 2019? SoCal region

Price and get quotes through energysage.com.

Really seamless and competitive process.
by clutchied
Sun Jul 07, 2019 6:09 am
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 48360

Re: Talk me out of buying a Tesla Model 3

This is not a pro or con Tesla post. I am curious if the company will be able to pull itself up and survive, if they will die out, or will their tech be bought by another manufacturer and keep producing the vehicle? Personally I hope they survive or at the very least get bought out by someone big. ...
by clutchied
Tue Jun 04, 2019 10:11 am
Forum: Personal Consumer Issues
Topic: Thinking of leasing bmw 3 series
Replies: 56
Views: 4685

Re: Thinking of leasing bmw 3 series

Have you considered a Tesla model 3 lease? $400/mo.! How does the model 3 drive? Is it tough getting used to for someone who has been driving gas guzzlers for decades? How is maintenance? it's great really! very easy to learn 1 pedal driving. maintenance costs are pretty much zero. they can burn th...
by clutchied
Sat Jun 01, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: Thinking of leasing bmw 3 series
Replies: 56
Views: 4685

Re: Thinking of leasing bmw 3 series

Have you considered a Tesla model 3 lease? $400/mo.!
by clutchied
Fri May 17, 2019 6:34 pm
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 67
Views: 10341

Re: Zero-Turn Mowers

I have a 60" Kubota but if I had to do it again I would have gotten a Scag, Toro or the one with suspension.
by clutchied
Thu May 02, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: Reviews on Honda Insight
Replies: 34
Views: 2739

Re: Reviews on Honda Insight

The average electrical bill was about $3.00 a month in the 1950's. I remember my father saying it was almost free. Now, we have three time rates with charges tripling during 5PM-8PM. Electricity costs range from $150 in the winer to almost $400 in the summer. We have a canopy of trees which preclud...
by clutchied
Thu May 02, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: Reviews on Honda Insight
Replies: 34
Views: 2739

Re: Reviews on Honda Insight

The Honda Insight is not a plug-in. When considering an EV, we were concerned about installing and accessing electrical outlets and the cost of electricity needed to charge an EV. We don't use the freeway much, so we think Insight gas usage would be minimal. "When you accelerate, the gas engine doe...
by clutchied
Thu May 02, 2019 9:19 am
Forum: Personal Consumer Issues
Topic: Reviews on Honda Insight
Replies: 34
Views: 2739

Re: Reviews on Honda Insight

Have you considered an EV for commuting duty? Most all hybrids have been eclipsed in both efficiency and performance.
by clutchied
Tue Apr 23, 2019 9:14 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 Owners: Your experience so far
Replies: 80
Views: 12875

Re: Tesla Model 3 Owners: Your experience so far

Any Tesla Model 3 owners here? What has your experience been so far, specifically: 1. Was it worth the money? 2. Months of ownership so far 3. Still positive, negative or somewhere in between (say on a 1-5 scale, 5 being very positive / happy). 4. Any big issues / surprises 5. What was the first is...
by clutchied
Mon Apr 08, 2019 8:15 am
Forum: Personal Consumer Issues
Topic: Who builds lenses on existing frames?
Replies: 17
Views: 1185

Re: Who builds lenses on existing frames?

Over the years I have collected very good frames since I get glasses every year with new frames. Would like to build glasses with new lenses on my old frame. The problem is, no retail shop does this, to my knowledge. Do you know one? Thanks I think Costco does this. they do! but they also need a we...
by clutchied
Mon Apr 08, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: Who builds lenses on existing frames?
Replies: 17
Views: 1185

Re: Who builds lenses on existing frames?

Over the years I have collected very good frames since I get glasses every year with new frames. Would like to build glasses with new lenses on my old frame. The problem is, no retail shop does this, to my knowledge. Do you know one? Thanks I think Costco does this. they do! but they also need a we...
by clutchied
Mon Apr 08, 2019 8:04 am
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 22143

Re: Talk me in/out of $35k Tesla Model 3

I'm getting pretty tired of debating people like you who aren't informed on these topics and yet hold absurdly strong beliefs. I follow Warren Buffet who said, "on wind energy, we get a tax credit if we build a lot of wind farms. That's the only reason to build them. They don't make sense without t...
by clutchied
Mon Apr 08, 2019 7:38 am
Forum: Personal Consumer Issues
Topic: Smartphones with Least Bloatware
Replies: 29
Views: 7630

Re: Smartphones with Least Bloatware

mptfan wrote:
Fri Apr 05, 2019 5:13 pm
Google Pixel, pure Android. I have the Pixel 3 XL. Best. Phone. Ever.
agreed! it is exceptional
by clutchied
Fri Apr 05, 2019 2:45 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 22143

Re: Talk me in/out of $35k Tesla Model 3

I'm getting pretty tired of debating people like you who aren't informed on these topics and yet hold absurdly strong beliefs. I follow Warren Buffet who said, "on wind energy, we get a tax credit if we build a lot of wind farms. That's the only reason to build them. They don't make sense without t...
by clutchied
Fri Apr 05, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 22143

Re: Talk me in/out of $35k Tesla Model 3

My car and my house run on 100% renewable wind energy. A single windmill takes like 1,000 tons of material to build. That's lot of excavating, transporting and building by gas powered machines. Add in storage and transmission of the power plus maintenance and it's a loser. that's why they keep buil...
by clutchied
Fri Apr 05, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 22143

Re: Talk me in/out of $35k Tesla Model 3

Spend 1/2 of $35K, get a Mazda 3, much fun to drive. Spend your savings into XOM, or Shell Company. The dividend will pay for your gas expense. Tesla is no zero emission. Electricity is from dirty coal or natural gas. Zoom Zoom Zoom. Coal has been in decline for a decade and won't last much beyond ...
by clutchied
Thu Apr 04, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 22143

Re: Talk me in/out of $35k Tesla Model 3

It's more than I wanted to spend but it's been life changing for me and I don't say that lightly. How has it changed your life? You're still driving from A to B, right? Surely you're trolling. Do you apply this guideline to everything in life? He's the one that said it was "life-changing", which I ...
by clutchied
Wed Apr 03, 2019 12:34 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 22143

Re: Talk me in/out of $35k Tesla Model 3

Nice! I picked up an AWD last Wednesday after putting down a deposit 3 years ago. First American car since 1998! Really enjoy the vehicle. It's been lifechanging going from a short range EV (BMW i3) to a Tesla. Congrats man. It's cool to see someone wait 3 long years. I also put down a deposit 3 ye...
by clutchied
Tue Apr 02, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 22143

Re: Talk me in/out of $35k Tesla Model 3

Op here... So I ordered the TSLA M3 SRP and it was ready for delivery a week later. Then it got pushed back a week because I was travelling. I have been living with it for more than 1 week now and I ABSOLULTELY love it. The tech and drive is amazing and it looks like a porsche at half the price. So...
by clutchied
Tue Apr 02, 2019 8:55 am
Forum: Personal Investments
Topic: Graduating medical fellow - HSA vs. 403b?
Replies: 6
Views: 358

Re: Graduating medical fellow - HSA vs. 403b?

since you don't have a match I'd fill the HSA first.
by clutchied
Mon Apr 01, 2019 8:39 am
Forum: Investing - Theory, News & General
Topic: What accounts do you have for your kids?
Replies: 27
Views: 2073

Re: What accounts do you have for your kids?

529s for my 7 & 4 year old.
by clutchied
Fri Feb 01, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Your Opinions on Removing PMI - A Financial Question
Replies: 11
Views: 756

Re: Your Opinions on Removing PMI - A Financial Question

can you get it removed? PMI often has 5 year minimums AND 20% LTV.
by clutchied
Thu Jan 31, 2019 10:08 am
Forum: Investing - Theory, News & General
Topic: 1st year with a rental property - hitting singles
Replies: 37
Views: 4171

Re: 1st year with a rental property - hitting singles

I totally get where you are coming from - it is way more complicated. -The house is fairly new (rebuilt and raised after a hurricane) -Trees were dead and cut down, nothing major I guess the reason I posted was to dispel the myth of the "constant problem phone calls" -Matt you're new to this. Stuff...
by clutchied
Wed Jan 23, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.
Replies: 177
Views: 17005

Re: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.

I might get an inheritance in the future. My parent's folks both died and the my uncle allegedly was the executor but has refused to execute the will or show anyone the will for the better part of 8 years now. It's unclear how they avoided probate as there wasn't a trust. He's sitting on their old ...
by clutchied
Sat Jan 19, 2019 11:22 pm
Forum: Personal Consumer Issues
Topic: Is California worth the premium?
Replies: 89
Views: 6007

Re: Is California worth the premium?

I had a unique experience in CA; it was inland in the foothills and not coastal. I enjoyed it why I was there. Schools were really crummy. From what I can tell its' really housing that divides. I bought my house there in 2010 during the downturn and it's cheap to own. The climate is so stable that t...
by clutchied
Wed Jan 16, 2019 8:05 pm
Forum: Investing - Theory, News & General
Topic: The Bogle Rule
Replies: 24
Views: 4953

Re: The Bogle Rule

Third!
by clutchied
Wed Jan 16, 2019 7:59 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 57641

Re: John Bogle is dead at 89

What a guy! What a life! A blessing to the average investor.

He changed my life for the better.

Thank you Mr. Bogle
by clutchied
Tue Jan 15, 2019 11:18 am
Forum: Investing - Theory, News & General
Topic: PG&E Bonds
Replies: 49
Views: 5760

Re: PG&E Bonds

VCADX was unmoved yesterday.

CA int tax exempt fund.
by clutchied
Thu Jan 10, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: Types of Cotton: for undershirts
Replies: 1
Views: 271

Types of Cotton: for undershirts

Based on another thread I thought i would add some information on Cotton! I used to audit cotton gins and spent about 6.5 years in the ag industry. There are 2 main types of cotton: Long staple(pima) and short staple(acala). Acala is also known as "upland varieties" There is also another called haze...
by clutchied
Tue Jan 08, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: How did store know what exact coupons to mail me?
Replies: 23
Views: 2429

Re: How did store know what exact coupons to mail me?

I have no customer or affinity card at this grocery store and have never given them my address. I do pay with the same credit card. Yesterday I got in the mail a fistful of coupons of exactly what I bought last month at the store. Did they figure this out by tying the purchases to my CC and then lo...
by clutchied
Tue Jan 08, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 137
Views: 21784

Re: Best town I've never heard of [for relocating]

Dayton, OH! 4 great seasons Cincinnati is 45mins; Columbus is 1 hr. Multi use paths that run from Cinci to Columbus. Parks and parks and parks Recreational rivers Accessible city Did I mention housing is cheap? Great place to raise kids and the public schools(suburb) are really fantastic (Oakwood is...
by clutchied
Tue Jan 08, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 14253

Re: Recommendations for a 9mm handgun

my first popgun was a glock 19 1st gen. I still have it 16 years later.
by clutchied
Tue Jan 08, 2019 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Child # 3 - seeking advice from older members
Replies: 89
Views: 8003

Re: Child # 3 - seeking advice from older members

37 wife and 38 myself.

I wanted more kids but my wife was not onboard so we have 2. they are wonderful. I have come to terms with not having 3 but I was and am not happy about it.

All of my friends that have 3 kids; the 3rd was an accident.
by clutchied
Thu Jan 03, 2019 5:27 pm
Forum: Investing - Theory, News & General
Topic: BRK.B in 2019
Replies: 16
Views: 2525

Re: BRK.B in 2019

Flobes wrote:
Thu Jan 03, 2019 1:42 am
I own my one share of BRKb to yield a 7% discount on GEICO auto insurance.
lol I did that too!

It's been a decent investment but I later found out it doesn't stack with professional discounts :(
by clutchied
Thu Jan 03, 2019 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Christmas Bonus: Etiquette
Replies: 47
Views: 8041

Re: Christmas Bonus: Etiquette

I work for a very small company that staffs me at a major tech company. I work at the major tech company 40 hours/week and don't people at the small company very often at all. Recently I stopped in to check in with everyone and said hello to the owner. During our conversation he said he appreciates...
by clutchied
Thu Jan 03, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Time to Sell Rental Property?
Replies: 26
Views: 1950

Re: Time to Sell Rental Property?

I haven't really researched this, but prima facie I don't see the case for why anyone should buy rental property, and why anyone who has it shouldn't liquidate it ASAP. The low liquidity and lack of diversification is troubling to me. What is the positive case for going to the trouble of holding a ...