Search found 2595 matches

by WhyNotUs
Fri Aug 25, 2023 8:37 am
Forum: Personal Consumer Issues
Topic: Best EV or PHEV
Replies: 96
Views: 8880

Re: Best EV or PHEV

We have had an ev since 2013, on our second Leaf. Both have been economical. The Bolt is a good deal for most drivers. Both are relatively low screen compared to something like a Tesla screen. They are both on the trailing edge of the technology but work well. Neither of our Leafs even required service, we live a long way from a nissan dealer, farther than its range. Our second car is an ICE.
by WhyNotUs
Wed Aug 23, 2023 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Maui- Insurance Claim Help
Replies: 8
Views: 1923

Re: Maui- Insurance Claim Help

I personally have not filed a business claim after a natural disaster, only personal home after fire. I also live in a wildfire area and spent quite a bit of time on understanding my policy. Still this is FWIW... Coverages- as you note understanding them is important. I would create a sheet or xcel file with the various types and limits of coverage - property, business interruption, other expense, etc and list the limits of coverage and forms for each . In addition to my insurance, I would add any State and federal programs below that and list their coverage and forms. I would have columns for dates filed and one for response names/dates/contact. It ends up like a matrix. It can all get very confusing and take months/years so a single locat...
by WhyNotUs
Fri Aug 18, 2023 3:40 pm
Forum: Personal Investments
Topic: Laid off today
Replies: 67
Views: 14104

Re: Laid off today

pizzy wrote: Wed Aug 16, 2023 6:52 pm
WhyNotUs wrote: Wed Aug 16, 2023 6:34 pm
pizzy wrote: Wed Aug 16, 2023 9:39 am
MyOwnWorstEnemy wrote: Wed Aug 16, 2023 9:37 am Hi, my brother had a pension and was offered $300 / mo for life or $60k one-time lump. Any advice on how to think about this?
Compare a $60k annuity at https://www.immediateannuities.com/
It won't be $60k after taxes.
Why not? https://www.immediateannuities.com/roll ... a-or-401k/
Good point, if the plan qualifies and you are rolling over to a 401k and wait until age. When you referenced and immediate annuity, I assumed that you meant an....... immediate annuity.
by WhyNotUs
Fri Aug 18, 2023 3:33 pm
Forum: Investing - Theory, News & General
Topic: Why is there a big rise in long term Callable CD rates?
Replies: 9
Views: 1383

Re: Why is there a big rise in long term Callable CD rates?

That's interesting. So your view is that banks are now seeing a lot of CD shoppers, and they are trying to be competitive with attractive returns, but they are depending on their ignorance (being uninformed) of buyers not understanding what callable is. So, if they offer a long term high rate callable (without any intention of fulfilling the long term expectation) because it looks like a better deal? So, it's just a marketing ploy? I wonder why the same thing wasn't happening earlier this year. May not be nefarious, there are lots of short term 5% options now. If I am a bank and want a mix of terms, I can juice my 3 or 5 year a bit and make it callable to diversify my mix without getting caught with my pants down like Silicon Valley did wh...
by WhyNotUs
Wed Aug 16, 2023 6:34 pm
Forum: Personal Investments
Topic: Laid off today
Replies: 67
Views: 14104

Re: Laid off today

pizzy wrote: Wed Aug 16, 2023 9:39 am
MyOwnWorstEnemy wrote: Wed Aug 16, 2023 9:37 am Hi, my brother had a pension and was offered $300 / mo for life or $60k one-time lump. Any advice on how to think about this?
Compare a $60k annuity at https://www.immediateannuities.com/
It won't be $60k after taxes. It would be good to do a rough calculation of tax impact and then multiply by .04 and then compare to $3600.
I would also look into security of the $300 for life.
by WhyNotUs
Wed Aug 16, 2023 6:30 pm
Forum: Personal Consumer Issues
Topic: Andalusia early March?
Replies: 15
Views: 1486

Re: Andalusia early March?

Would the beach in Malaga or Marbella be open? In what order should I do: Madrid, Granada, Cordoba, Malaga and Seville? I would probably do the Renfe pass. I find it a little confusing because everything seems to run through Cordoba, but it’s the place I’d want to spend the least time in I think. You could go to the beach, I doubt that you would want to go in the water without a wetsuit under normal conditions. As for route, I like to end trips on a highlight. For some that would be Grenada for architecture and history, for me that would be Seville for City, biking, and food/drink. There is a process for getting Alhambra tix, timing and access to the site and the TripAdvisor Forum for Grenada is a great place for reading the latest info an...
by WhyNotUs
Mon Aug 14, 2023 4:18 pm
Forum: Personal Consumer Issues
Topic: Rental cars in Portugal or Spain
Replies: 45
Views: 4244

Re: Rental cars in Portugal or Spain

nepats wrote: Mon Aug 14, 2023 10:15 am
3. Highways are not crowded and well maintaned! Super easy to drive. Don't just drive in the left lane, move over the right when cruising.

5. Watch for camera if speeding. The fines are hefty and tickets arrive months after your trip.
The left lane seemed to be used primarily by people in black Mercedes wagons going 30 kph more than me! They must be immune to tickets.
by WhyNotUs
Mon Aug 14, 2023 8:00 am
Forum: Personal Consumer Issues
Topic: Rental cars in Portugal or Spain
Replies: 45
Views: 4244

Re: Rental cars in Portugal or Spain

Just the usual considerations, check if you have coverage or whether you need to buy the collision damage waiver. I probably had coverage but ended up with a good price for a car with full coverage so I bought it as it was good in Spain as well. We looped through Evora on the way there (great biking in that area), over to Sevilla and then back along Algarve coast. Driving is pretty straight-forward, many roads are toll roads so it is easier to get the transponder with rental car. Otherwise you need to pay at local post offices or wait for rental company to forward fees and they add a PITA surcharge. There are eye in the sky speed sensors and they will eventually mail you a ticket if you are speeding. Mine came almost a year later. The car c...
by WhyNotUs
Sun Aug 13, 2023 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Does cost of healthcare skyrocket when you are older
Replies: 70
Views: 8279

Re: Does cost of healthcare skyrocket when you are older

Thanks for sharing the link. It will be interesting to see how that plays out, seems certain to increase D plan costs and appears to have more sympathy for name brand drugs than I would have expected. Up until now the wild card in costs when under Original Medicare (assuming additional coverage with a Supplement Plan) has been the possible unlimited out-of-pocket costs associated with a Part D prescription plan. Under the Inflation Reduction Act, this situation will change significantly in the next 18 months, with first the elimination of the 5% copay for catastrophic coverage in 2024 and then the introduction of a maximum out-of-pocket limit of $2,000 in 2025. https://www.kff.org/medicare/issue-brief/changes-to-medicare-part-d-in-2024-and-...
by WhyNotUs
Sun Aug 13, 2023 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Does cost of healthcare skyrocket when you are older
Replies: 70
Views: 8279

Re: Does cost of healthcare skyrocket when you are older

Part of it is what you are used to. There are people with very good employee health plans that are not used to paying paying hardly anything who may be unimpressed. While others, like me, were buying private insurance and paying very high costs for very high deductibles and will think that they are getting a great deal.

If you can pay for a good G supplement and a good D plan, then your variables are drugs that are non-generics and dental.
by WhyNotUs
Sat Aug 12, 2023 7:57 am
Forum: Personal Consumer Issues
Topic: Gravel or concrete driveway, out in the country??
Replies: 45
Views: 3904

Re: Gravel or concrete driveway, out in the country??

I think you already know the answer, gravel
by WhyNotUs
Thu Aug 10, 2023 6:54 pm
Forum: Personal Consumer Issues
Topic: Planning Kauai Visit - Reccomendations for First-Timer
Replies: 36
Views: 4613

Re: Planning Kauai Visit - Reccomendations for First-Timer

For wave info https://www.surfline.com/surf-report/ha-ena-bay-cannons-tunnels-/5842041f4e65fad6a7708b2d Lots of safe areas in Kauai. Lots of beaches. Kaihuna has an area with sand bottom and a little break on south side, which is my favorite. Up north, try Kalihiwai. There are many spots that are excellent but without sandy bottom. If you are just looking for shore break, be careful. Shore breaks can be spine breaks. I had plans to visit Maui in September but need to cancel them in light of the fire devastation. So I'm looking to visit Kauai instead. This would be my first time to Kauai and I know nothing about the garden island, except that it's popular. I'm looking for input from Bogleheads on which side/part/town of the island to stay on...
by WhyNotUs
Sat Aug 05, 2023 8:45 am
Forum: Personal Consumer Issues
Topic: [Updated] Mountain Bike Purchase Sizing
Replies: 18
Views: 2188

Re: Mountain Bike Purchase Sizing

How was the top tube length when you stood over the Lg DV9? If you had appropriate clearance from the relevant parts of your body and the size large felt fine to ride, then you should be good to go. Those are three totally different bikes in your link in several ways, only common threat is hardtails. As long as you are really good about staying up off of the saddle when you are riding bumps, then that will probably be okay. Of not, at least a Thudbuster is in order, if not full suspension. I am an older rider and staying up on my knees for long is no longer an option. I traded my full suspension for a hardtail 29er and that was a mistake, for me. My current self wishes that I had been riding full suspension 40 years ago when I started MTB. ...
by WhyNotUs
Sat Aug 05, 2023 8:23 am
Forum: Personal Consumer Issues
Topic: Help understanding Solar quotes
Replies: 41
Views: 3656

Re: Help understanding Solar quotes

The 14 panels system wins on cost per watt and meeting the greatest % of your demand. The warranty on the inverter would be the next place that I would look for difference (more warranty is better). I would also consider how long the installer has been in business (longer is better) as my crystal ball says there is a shake out coming in residential solar. I used to think that an oversized inverter was a good thing but given the changes coming to the renewable mix on that grid, I no longer think that. Finally, check with your electric utility for any rebates available from them. I have bought three solar pv systems over the years and they have ranged from a net cost of about $9 a watt to a low of about $4 a watt. Your net price of <$2 a watt...
by WhyNotUs
Wed Aug 02, 2023 6:00 pm
Forum: Personal Investments
Topic: The $200,000 Experiment [sitting out September]
Replies: 42
Views: 10068

Re: The $200,000 Experiment [sitting out September]

In the big picture, it is unlikely to make a big difference. If you do it, I will be interested in your experience buying back in at the end of the month if things have changed. My timing experience was that selling is a somewhat easy call as the world is full of sell signals and that buying back in is more of a challenge.
by WhyNotUs
Tue Aug 01, 2023 7:22 pm
Forum: Personal Consumer Issues
Topic: EV: Regular Outlet or Install 220v/50a?
Replies: 70
Views: 5286

Re: EV: Regular Outlet or Install 220v/50a?

Makefile wrote: Tue Aug 01, 2023 6:17 pm Beyond convenience, is there an electrical safety argument to go ahead and have the 240V outlet installed?

A maxed-out 120V 15A circuit running all night while everyone sleeps is arguably comparable to running one of those portable electric heaters out in the garage on the highest setting, every night, year round...
While I would not choose you portable heater as a reasonable proxy, there is some level of risk in leaving something with lithium batteries plugged in. For an auto, it is a very small risk, but there is some.
by WhyNotUs
Tue Aug 01, 2023 2:57 pm
Forum: Personal Consumer Issues
Topic: EV: Regular Outlet or Install 220v/50a?
Replies: 70
Views: 5286

Re: EV: Regular Outlet or Install 220v/50a?

For EV owners, did you invest in getting a 220v/50a outlet in your garage? We haven't purchased an EV yet, and are on the fence. On the one hand, getting 40-50 miles per night from a regular outlet seems like plenty, but there's the off change that I would want to drive further and not want to find a public charger. Is it worth the $3k-4k to install a new outlet in the garage? Like many others, we started with an extension cord and after about a year installed an EVSE when our utility offered equipment for free with our pay for install. Ours was simple install, sounds like the OP needs to bury conduit to detached garage. Might be best to start with Level 1 and see how it goes before deciding. When bidirectional charging is in place, you wi...
by WhyNotUs
Tue Aug 01, 2023 2:32 pm
Forum: Personal Consumer Issues
Topic: Spending Money on Travel
Replies: 65
Views: 8410

Re: Spending Money on Travel

[quote=legalwriter1 post_id=7389757 time=1690860673 user_id=187607} What travel have you enjoyed? What travel do you regret? How do you budget for travel? [/quote] Been to 6 continents and dozens of countries and enjoyed almost all of it. Travel is just another line item in a budget. When we were younger and had kids, it was a modest number but with big adventures- backpacking, rafting, camping, sailing, etc. Now we are older and like some others, taxes and travel are big numbers. About to get bigger as we plan family trips that include most of the expenses for our adult children and their spouses, so that they can make their budgets stronger and still have fun trips. Glad you had a good vacation, don't think that it has to be a big expense...
by WhyNotUs
Tue Aug 01, 2023 2:25 pm
Forum: Personal Consumer Issues
Topic: Ford, GM, Rivian, Volvo, Polestar, Mercedes, Nissan, Honda, Jaguar, Hyundai, Kia, BMW, Toyota, Subaru, VW join Tesla
Replies: 178
Views: 30726

Re: Ford, GM, Rivian, ChargePoint, Volvo, Polestar, Electrify America, Mercedes, Nissan (more?) switching to Tesla charg

harikaried wrote: Mon Jul 31, 2023 3:08 pm And similarly, the consumer market can decide if it's worthwhile to go with a brand/vehicle that requires a separate adapter over native NACS integration.
You are more convinced than I that NACS will be the standard in 10 years. Not discounting that possibility but I do not see it as a given. I think there is a reasonable chance that Tesla will be bankrupt in 10 years or that a new charging system for solid state batteries will emerge, or that CCS will carry the day.

It is moot for making decisions any time in the near term IMO.
by WhyNotUs
Tue Aug 01, 2023 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Being a Guaranator for my DD NYC apartment
Replies: 18
Views: 1492

Re: Being a Guaranator for my DD NYC apartment

PeterA007 wrote: Tue Aug 01, 2023 2:14 pm Can anyone recommend a guarantor service? My daughter is in the same boat. For a personal guarantee for her I need to show 80x rent ($560,000) as income which I dont have.


https://theguarantors.com/renters ???
That is a new one on me, are you sure that you read that right?

I went back and forth with my daughter's first Brooklyn landlord over this issue several years ago and they made a couple modest alterations and then said "sign it or it goes to the next renter". I signed reluctantly.
by WhyNotUs
Mon Jul 31, 2023 10:40 am
Forum: Personal Consumer Issues
Topic: Vehicle safety: is size a consideration for you? What's the sweet spot?
Replies: 118
Views: 7629

Re: Vehicle safety: is size a consideration for you? What's the sweet spot?

MtnTravel wrote: Fri Jul 28, 2023 8:42 am IIHS is a good one. Vehicle weight is a huge factor in terms of who walks away from a crash and who doesn't. Weight is usually correlated with vehicle size (EVs being the exception in some cases).
I just want to have the safest car I can for my family.
A win for objectivism over the categorical imperative
by WhyNotUs
Mon Jul 31, 2023 9:25 am
Forum: Personal Consumer Issues
Topic: Architectural plans and Framing plan?
Replies: 10
Views: 981

Re: Architectural plans and Framing plan?

If you plan on applying for a building permit and ultimately a Certificate of Occupancy you will typically need:
Arch Set
Civil Set
HVAC set
Mechanical, Plumbing, Electrical Set
Structural Set (that maybe what was referred to as framing set)

Prices are fine but seems incomplete to me
by WhyNotUs
Fri Jul 28, 2023 7:53 am
Forum: Personal Consumer Issues
Topic: Vehicle safety: is size a consideration for you? What's the sweet spot?
Replies: 118
Views: 7629

Re: Vehicle safety: is size a consideration for you? What's the sweet spot?

MtnTravel wrote: Fri Jul 28, 2023 7:45 am I don’t think crash tests show the full picture, because they are very limited. The actual data seems to show that in a crash between a larger vs smaller vehicle, the passengers in the smaller will likely be much worse off.
Source?
by WhyNotUs
Thu Jul 27, 2023 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Tesla suppressed driving range complaints
Replies: 174
Views: 14801

Re: Tesla suppressed driving range complaints

My Leaf tracks actual miles per Kwh. While there is variance summer/winter, highway/local, etc. one can track the overall trend. I assume that Tesla has that feature as well but have not looked. Our first Leaf got 4.1 miles per kWh and our current one (which has a different dominant driver) is 3.8.

The results that I have read show the Tesla Model 3 to be an efficient vehicle with about 4.25 miles per kWh real world. YMMV like it would on any type of car. If you race to the next stoplight and jam on the breaks, you will get less miles. The total range for a 3 is about 10% less than the EPA number in real world tests that I have seen.

These range discussions are tired, if you don't want an ev, then don't buy one now, eventually you will.
by WhyNotUs
Thu Jul 27, 2023 11:13 pm
Forum: Personal Investments
Topic: How to become a billionaire in 20 years?
Replies: 96
Views: 9212

Re: How to become a billionaire in 20 years?

Invent or perfect a solid state battery or carbon sequestration

afoolwithmoney wrote: Thu Jul 27, 2023 7:16 pm I’m age 36, wife is 40, our net worth is $2.1 million ($1.9m in stocks (the rest in cash/bonds), mostly in VTSAX and equivalents, biggest individual stock is AAPL worth about $500k from working there. We owe $850k on our house at a nice low 2.75% interest rate. 2 kids under 5.

At 8% growth rate (which I know is optimistic!) and continuing to invest about $5k per month, in 20 years our net worth will be $13 million. Probably more due to raises and such. Not bad! But what would it take for that to be more like $100m in 20 years? Or even $1B? Do I need to start a business? Buy some real estate? Or just leverage up or something?
by WhyNotUs
Wed Jul 26, 2023 4:51 pm
Forum: Personal Consumer Issues
Topic: Free Music Streaming Options
Replies: 11
Views: 986

Re: Free Music Streaming Options

I can do that with the free version of Spotify but there are ads

OldTown wrote: Wed Jul 26, 2023 12:58 pm Does anyone know of a good free music streaming service that allows for setting up playlists and doesn't have a forced shuffle? I had been using Amazon Music for a long time, which was a great service. However, they recently started forcing shuffles so it's impossible now to pick out the song you want to listen to, even if it's part of a created playlist. They are trying to push customers into the Amazon Prime Music service, which has a monthly fee. I'd like to stick with a free music service since I don't listen enough to make a pay service worthwhile.

Thank you.
by WhyNotUs
Wed Jul 26, 2023 4:48 pm
Forum: Personal Consumer Issues
Topic: Ford, GM, Rivian, Volvo, Polestar, Mercedes, Nissan, Honda, Jaguar, Hyundai, Kia, BMW, Toyota, Subaru, VW join Tesla
Replies: 178
Views: 30726

Re: Ford, GM, Rivian, ChargePoint, Volvo, Polestar, Electrify America, Mercedes, Nissan (more?) switching to Tesla charg

And, adapters will become common regardless of which of the two current standards one has. I would have preferred a world with one standard and maybe that will happen someday but it will probably be as a result of a new, lightning fast, charging tech. There will still be plenty of CCS plugs Looks like there will be continued buildout of CCS as stations are added with NACS, so there definitely will be plenty of CCS. Presumably this could also suggest some automakers will continue to build vehicles with CCS instead of NACS. Seven Automakers Unite to Create a Leading High-Powered Charging Network Across North America - Seven major global automakers – BMW Group, General Motors, Honda, Hyundai, Kia, Mercedes-Benz Group, Stellantis NV – will crea...
by WhyNotUs
Wed Jul 26, 2023 4:44 pm
Forum: Personal Consumer Issues
Topic: Solar in MA - realistic coverage expectations?
Replies: 47
Views: 4618

Re: Solar in MA - realistic coverage expectations?

Since you seem to have the ability for a deeper dive, google NEM 3.0
by WhyNotUs
Fri Jul 21, 2023 2:51 pm
Forum: Personal Consumer Issues
Topic: Adding panels to an existing solar panel system for EV purchase
Replies: 27
Views: 2589

Re: Adding panels to an existing solar panel system for EV purchase

Interesting. So it seems NEM 3.0 essentially disincentivizes solar production. I would still choose to overproduce and earn less money in credits, unless you can provide math that shows paying for electricity over the lifetime of the panels is cheaper than the cost of the panels and labor, minus the credits. And if that is the case, I'd still go with panels just out of the environmental impact. Either way it's very interesting. The version of 3.0 being proposed by my utility disincentivizes rooftop solar. I am pretty much fine with that overall. I am served by an electric coop and would prefer that our coop invest in coop-owned utility scale solar at $1 watt than the local rate of $5-6 per watt on my roof. My first system was $9 a watt :be...
by WhyNotUs
Fri Jul 21, 2023 2:28 pm
Forum: Personal Consumer Issues
Topic: Planning a trip to Big Island (HI)
Replies: 17
Views: 1772

Re: Planning a trip to Big Island (HI)

I saw this deal on Travelzoo recently and gave it a hard look.
https://www.travelzoo.com/hotel-booking ... id-hawaii/?
by WhyNotUs
Fri Jul 21, 2023 9:23 am
Forum: Personal Consumer Issues
Topic: Ford, GM, Rivian, Volvo, Polestar, Mercedes, Nissan, Honda, Jaguar, Hyundai, Kia, BMW, Toyota, Subaru, VW join Tesla
Replies: 178
Views: 30726

Re: Ford, GM, Rivian, ChargePoint, Volvo, Polestar, Electrify America, Mercedes, Nissan (more?) switching to Tesla charg

This is not a real concern for me. There will still be plenty of CCS plugs, adapters will be widely available, and I mostly charge at home now.
by WhyNotUs
Fri Jul 21, 2023 9:21 am
Forum: Personal Consumer Issues
Topic: EVs and “real world” range in winter?
Replies: 72
Views: 4993

Re: EVs and “real world” range in winter?

For owners out there, especially people in Colorado or other winter climates, how much is the range affected? I am worried that the elevation change is coupled with the cold weather could seriously affect the range. And based on how crowded the ski towns get in the winter, I wouldn’t cross my fingers that I’d be able to find a charger. I live at 7200 in CO mountains. 20% is a pretty good estimate. It will vary from person to person. I drive speed limit, pre-heat, and use eco-mode so it is less for me. Others will drive faster, crank heater, and like to get off the line faster so they will have greater impact. The passes will definitely reduce range, so more passes = shorter range. The etron is used widely in Aspen as the Skico and Audi hav...
by WhyNotUs
Tue Jul 18, 2023 9:06 am
Forum: Personal Consumer Issues
Topic: Eversource bought me a level 2 charger and is paying me to charge my Electric Vehicle
Replies: 12
Views: 2527

Re: Eversource bought me a level 2 charger and is paying me to charge my Electric Vehicle

So I am curious, based on this comment, if you have a view what would be the best practice charging on the Lithium ion battery in the new 2023 Prius Prime. Are you better off letting the battery fully discharge and then recharge to 100%, or if you are down 50% and done for the day do you recharge back to 100%? Do you or anyone know what constitutes a "cycle" on this battery and what charging routine is best for the battery (assuming you have some flexibility in how you charge). Thanks. Don't want to derail the thread but the short answer is the ideal would be to recharge from 50% to 80%. Running it very low is not helpful but will happen. Charge to 100% when needed. If you live in an area that is not really too hot or too cold, t...
by WhyNotUs
Wed Jul 12, 2023 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Renovation cost too high?
Replies: 32
Views: 2761

Re: Renovation cost too high?

I think it is less a financial and more a lifestyle question. As you say, a couple of years cash flow and some taxable will pay the cost of renovations. If your read of the market is correct (that your renovation will be matched by a value increase) then it does not fundamentally change your net worth or mandatory work timeline. Missing? Have you lived through a renovation? If no, is this renovating spaces that you use on a daily basis, then you might consider phasing and do the most essential upgrade as a first phase. Two busy professionals with two young children and a torn up house can be a lot to manage. If you have good storage space, you might consider working with your GC to pre-order anything that might cause a delay. It changes the...
by WhyNotUs
Tue Jul 11, 2023 8:47 pm
Forum: Investing - Theory, News & General
Topic: Investing Lessons from Taylor Larimore
Replies: 77
Views: 12077

Re: Taylor Larimore Featured in AARP Magazine

And a respected yachtsman, sailing teacher, and blue water sailor. :sharebeer
by WhyNotUs
Mon Jul 10, 2023 3:04 pm
Forum: Personal Consumer Issues
Topic: Economics of Buying an EV without a Home Fast Charging Option
Replies: 123
Views: 10745

Re: Economics of Buying an EV without a Home Fast Charging Option

First, a used Prius is likely to be a fine car for the Op's user.
Second, EV threads on Bogleheads always get to the same point and then there is more heat than light. The internal combustion engine was a powerful invention that has left a profound imprint on how we live, work, play, and die. The ev is going to become the new mode of moving vehicles over time. [Comment removed by moderator oldcomputerguy]
by WhyNotUs
Sun Jul 09, 2023 9:04 am
Forum: Personal Consumer Issues
Topic: Another bike tour in Italy (Second update)
Replies: 3
Views: 923

Re: Another bike tour in Italy

Can't answer your question, looks like a great ride

Buon Viaggo!
by WhyNotUs
Sun Jul 09, 2023 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Math for Renting vs selling
Replies: 19
Views: 1922

Re: Math for Renting vs selling

You have some of the numbers needed in order to make an informed choice. I would leave potential appreciation aside as a match to inflation. The point about the window to enjoy your appreciation gain on the current house is an important consideration, especially since you apparently have good regular income. A nice house in a good neighborhood may do a little better than inflation but I would not base my decision on that unless I was an experienced real investor and a licensed realtor/experienced FSBO to lower the transaction cost. Income- the only real input on this side of the ledger is the rent. Maybe, it is $2500, maybe 3000, maybe more.... You need to know what this will be, this is key to the landlord business in addition to keeping i...
by WhyNotUs
Sat Jul 08, 2023 5:19 pm
Forum: Personal Consumer Issues
Topic: 6 days moderate+challenging hiking near Denver
Replies: 46
Views: 3529

Re: 6 days moderate+challenging hiking near Denver

https://www.fs.usda.gov/Internet/FSE_DO ... 085230.pdf
Theseus wrote: Sat Jul 08, 2023 4:05 pm
WhyNotUs wrote: Sat Jul 08, 2023 1:38 pm https://www.recreation.gov/timed-entry/10087515

There are parking reservations available every day next week, for instance.
Thanks for this. This is helpful. It shows 3 different parking lots. Bernard Lake Trail Head, Long Lake Trail Head, Mitchell Lake Trail Head. Are these close to each other so it doesn't matter which parking lot I get a timed entry? It's not clear from the website and the map.
by WhyNotUs
Sat Jul 08, 2023 1:38 pm
Forum: Personal Consumer Issues
Topic: 6 days moderate+challenging hiking near Denver
Replies: 46
Views: 3529

Re: 6 days moderate+challenging hiking near Denver

https://www.recreation.gov/timed-entry/10087515 There are parking reservations available every day next week, for instance. Thanks all for input. Estes is out now based on feedback but more importantly all advance tickets are sold and I dont want to take chances on trying to get tickets the day before for 5-6 days. If I am on the trail I may not even have a signal. @HawkeyePierce and @Hayduke. Thank you for the great suggestions. So now I am looking at Boulder and options around there. Not sure I need timed reservation tickets there for below? - including Nederland? Personally I'd consider a base in Boulder. Bear Peak, Green Mountain and South Boulder Peak all meet your requirements and you can mix and match lots of different trailheads. If...
by WhyNotUs
Fri Jul 07, 2023 4:15 pm
Forum: Personal Consumer Issues
Topic: How Can I Self-educated on Airline Points/Miles
Replies: 166
Views: 13297

Re: How Can I Self-educated on Airline Points/Miles

In my experience, the points are worth less each year. I still play a little since I connect to trip from Aspen's airport and tickets are pricey there. That adds to my value per mile. Also, people who can plan trips far in advance, so they can book trips right when the seats are opened will be better mileage users. Anyone flying out of a hub or major airport is probably better off if you can get a 2% cash back. Each card will typically require a $XXXX spend within a certain time period. When I fell like playing the game, I pay my annual home and car insurance with a card to fulfill the requirement. As for OPs offer, if you live near an AA hub it might be worth it, TPG has AA miles worth about $.0175 so it could be $800+ in value. A hub will...
by WhyNotUs
Fri Jul 07, 2023 3:55 pm
Forum: Personal Consumer Issues
Topic: Economics of Buying an EV without a Home Fast Charging Option
Replies: 123
Views: 10745

Re: Economics of Buying an EV without a Home Fast Charging Option

I, a former lessee of an ev, am unfamiliar with the idea of a lease not allowing outside charging, can you explain that? Someone driving 40 miles a day with a Tesla in an area with 20 chargers will not have a problem. You can go to the plugshare website if you don't want to download the app, if you click on a few plugs that she might be likely to use, it will display kWh charge so that you can compare. Does her lease allow for charging a car outside? Exactly people. Where is she going to plug in even only 110V? Run extension cord across sidewalk, up the stairs and in an open widow? How many extension cords are going to get stolen in the first year! If the rental complex is not EV friendly even without chargers, EV is not a good choice. Yes ...
by WhyNotUs
Wed Jul 05, 2023 11:11 pm
Forum: Personal Consumer Issues
Topic: Buy EV before my tax credit eligibility runs out? Which one?
Replies: 40
Views: 3790

Re: Buy EV before my tax credit eligibility runs out? Which one?

From the link: The reason for the loss is due to the reduced volume because of the scheduled downtime at Ford's plant in Mexico, which produces the Mustang Mach-E. The temporary shutdown is to help increase the plant's production output to 2,10,000 per year by the end of this year. Ford loses $60k with every EV they sell. So you could look at it as you buy a Mach e for $50k. It's a $110k vehicle. With the free cheese, you get it for $42,500. Source? OP, The Ioniqs are worth solid consideration. The source was just about every news agency known to man about a month ago. This story points out it came from Ford's earnings report. So I guess Ford is the source. https://www.team-bhp.com/news/ford-losing-almost-60000-ev-it-sells
by WhyNotUs
Wed Jul 05, 2023 11:09 pm
Forum: Personal Consumer Issues
Topic: 7-day trip to the Rockies. Suggestions?
Replies: 33
Views: 3520

Re: 7-day trip to the Rockies. Suggestions?

We are interested in some moderate hiking, hot springs and outdoor activities. Not so sure about white water rafting but I am open to it. Neither of us have done it. We are reasonably good swimmers. My mother did water rafting many years and told me that she almost died. :shock: Is white water rafting safe? Day 1, Denver Arrived in Den. I will try to keep the day fairly light as we have to get really early to catch the flight. Denver Museum of Nature & Science, maybe the zoo or the botanic gardens, depending on how tired we are. Out of those, I would pick the Botanic Garden Day 2, Denver, Sunday Red Rocks Park & Amphitheatre in am. Lunch in Denver. PM: ??16th street mall, downtown?? Or drive to Boulder and spend the pm there Stay a...
by WhyNotUs
Wed Jul 05, 2023 7:53 am
Forum: Personal Consumer Issues
Topic: Buy EV before my tax credit eligibility runs out? Which one?
Replies: 40
Views: 3790

Re: Buy EV before my tax credit eligibility runs out? Which one?

Jack FFR1846 wrote: Wed Jul 05, 2023 7:34 am Ford loses $60k with every EV they sell. So you could look at it as you buy a Mach e for $50k. It's a $110k vehicle. With the free cheese, you get it for $42,500.
Source?

OP, The Ioniqs are worth solid consideration.
by WhyNotUs
Mon Jul 03, 2023 2:00 pm
Forum: Personal Investments
Topic: Considering an investment property in a Colorado ski town
Replies: 15
Views: 2853

Re: Considering an investment property in a Colorado ski town

P.S. you should look up how to calculate income, tax deduction is not in the formula, though it may be a consideration for you. This may all be moot, if you have $48k in expenses and $20k in income and $137k upfront then there is no calculator that will work.
by WhyNotUs
Mon Jul 03, 2023 1:56 pm
Forum: Personal Investments
Topic: Considering an investment property in a Colorado ski town
Replies: 15
Views: 2853

Re: Considering an investment property in a Colorado ski town

Cash on cash is the amount of income after expenses divided by cash the that you are putting in up front ($137,500 in your numbers but not sure if you have included furnishings). You have a negative cash flow so that calculation would be a negative rather than positive number.

A more typical type of use for COC would be a $1,000,000 office building with $250,000 that has a net of $50,000. $50k/250k=0.2 or 20% Cash on Cash, WOW, sign me up. :sharebeer
by WhyNotUs
Mon Jul 03, 2023 1:45 pm
Forum: Investing - Theory, News & General
Topic: Anyone still favor Vanguard?
Replies: 359
Views: 48410

Re: Anyone still favor Vanguard?

Once you have realized that you only need a few low cost, index funds to have an investment plan, you need something to talk about :happy Seriously, most of the chatter is disappointment that at one time seemed to have an investor education mission is now creating confusion with so many active funds. We still are invested there and are likely to stay, it just isn't that much different from other options like Fido or Schwab in terms of mission. I've been perusing discussions on this forum for some time now and it seems the overall sentiment towards Vanguard has grown sour. There are numerous complaints regarding their user interface, the shift to their PAS service (despite a relatively low .30% management fee), persistent software glitches, ...