Search found 1393 matches

by just frank
Fri Apr 20, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 692
Views: 55960

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

niceguy7376 wrote:
Fri Apr 20, 2018 8:16 am
My friend has said that he cannot install a hitch to put a bike carrier at the back of model 3. Thus he is ruling it out as he goes on weekend bike rides in the hills.
This is really hard to believe....I can do that on my Bolt or my old LEAF.
by just frank
Tue Apr 17, 2018 5:34 am
Forum: Investing - Theory, News & General
Topic: The World in 2050 — GDP & Stock Market Capitalization
Replies: 52
Views: 3756

Re: The World in 2050 — GDP & Stock Market Capitalization

How did forecasts from 30 years ago turn out? The Club of Rome did a number of projections 40 years ago, with different starting assumptions. They had one one assuming a 'High Resources' case---basically no practical limits to fossil fuels and strategic elements. It projected that buildup of a vagu...
by just frank
Mon Apr 16, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Deductible Medical Expenses....
Replies: 16
Views: 597

Re: Deductible Medical Expenses....

ooh wait. If my deductible expenses are, say 10% of AGI, I get some chunk of 10-7.5% back in tax savings. I can carry this over to next year? Say I have 5% next year...can I deduct 10+5=15% next year, and save more?? In my example, I would be able to save taxes on 15-7.5 or 7.5%, versus 2.5 in 2017...
by just frank
Mon Apr 16, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Deductible Medical Expenses....
Replies: 16
Views: 597

Re: Deductible Medical Expenses....

ooh wait. If my deductible expenses are, say 10% of AGI, I get some chunk of 10-7.5% back in tax savings. I can carry this over to next year? Say I have 5% next year...can I deduct 10+5=15% next year, and save more?? In my example, I would be able to save taxes on 15-7.5 or 7.5%, versus 2.5 in 2017 ...
by just frank
Mon Apr 16, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Deductible Medical Expenses....
Replies: 16
Views: 597

Re: Deductible Medical Expenses....

thanks guys....very helpful. I think TT was using an estimated AGI at one point, and that confused me. So, if my insurance premiums are employer-based pre-tax, I can add the cost of my contribution to the total? So my deductible amount is my med bills - ins reimbursement - my contribution to ins pre...
by just frank
Mon Apr 16, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Deductible Medical Expenses....
Replies: 16
Views: 597

Re: Deductible Medical Expenses....

Agreed, but that doesn't seem to jibe with my AGI and the TurboTax result....which seems closer to 10%.
by just frank
Mon Apr 16, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Deductible Medical Expenses....
Replies: 16
Views: 597

Deductible Medical Expenses....

Last year the family had a ton of medical expenses, wiped out most of our emergency fund, etc. We had a high deductible cheapo insurance plan (which we will upgrade shortly) so our reimbursement rate has been like 25%. Liquidating some investments to pay for it all has given me a monster tax bill to...
by just frank
Fri Apr 13, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: Should I insulate my garage?
Replies: 13
Views: 1651

Re: Should I insulate my garage?

Overwhelming 'yes'. I will do it then. @Just frank, I like the idea of having a blower to vent some air outside. Did you vent through the wall, or to the attic, or through the attic? I am also concern that garage insulation will act as a double edge sword. I can imagine in the middle of hot summer ...
by just frank
Fri Apr 13, 2018 4:11 am
Forum: Personal Consumer Issues
Topic: Should I insulate my garage?
Replies: 13
Views: 1651

Re: Should I insulate my garage?

Yes. Not a super high priority, but a nice feature. I upgraded the insulation in my garage, taking it from the 40s in the winter to the high 50s. Mine is a 'tuck under', so it has a lot of house contact area, and not much outside wall area. YMMV. --You should carefully airseal between the garage and...
by just frank
Wed Apr 04, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 5373

Re: 2018 Camry. What's wrong with me?

GoldenGoose wrote:
Wed Apr 04, 2018 7:09 am
just frank wrote:
Wed Apr 04, 2018 3:56 am
You need an EV.
Seriously I would buy something like a tesla model 3 if it costs the same as a camry. Paying 30k or more for a car is not in my plan.
The Bolt is about $30k after GM discounts and tax rebate. If you can get past the Dork exterior, its a blast to drive.
by just frank
Wed Apr 04, 2018 3:56 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 5373

Re: 2018 Camry. What's wrong with me?

You need an EV.
by just frank
Wed Apr 04, 2018 3:54 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 692
Views: 55960

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

So when do we get these better chargers? The VW diesel-gate penalty is being used to build out a Tesla-worthy DCFC network on interstates and major cities across the US, that will start with 150 kW (!) SAE/CCS chargers. something like several hundred of them in 2019. My guess is that the 2019 and l...
by just frank
Wed Apr 04, 2018 3:32 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 692
Views: 55960

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

OK, I have been driving my Bolt on highway roadtrips, in temps around freezing, with snow tires on, and getting >3 miles/kWh if the speed is under ~70 mph. 2mile/kWh is just nuts. IOW, I am getting 180 miles on a full charge worst case, more like 200 typical in winter conditions at HW speeds. On a 5...
by just frank
Tue Apr 03, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 692
Views: 55960

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

Can someone please tell me why the Chevy Bolt does not do Super Charging? I read that that car can be charged only at 240V. That seems slow to me. Please explain. You have been misinformed. I have a Bolt, since @madbrain told me to get one, and I have done 6400 miles on it in 4 months, with many ro...
by just frank
Tue Apr 03, 2018 8:53 am
Forum: Investing - Theory, News & General
Topic: Random Walk on Sale
Replies: 14
Views: 1892

Re: Random Walk on Sale

I thought this was a reference to the current state of the SP500. :beer
by just frank
Tue Apr 03, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 692
Views: 55960

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

^^^I would disagree. I'm not a super-fan, but think that growing a manufacturing company by more than about 30% CAGR is really hard...in that no one has ever done it AFAIK. They would have to do that for several more years to become a peer with the major makers. In the case of the '3', I think the p...
by just frank
Tue Apr 03, 2018 4:40 am
Forum: Personal Finance (Not Investing)
Topic: Sad because I did not know what I was doing with inheritance
Replies: 31
Views: 5440

Re: Sad because I did not know what I was doing with inheritance

I think many of us, upon learning how to invest, realize that we could have done things differently to great effect.

I could have made a couple trades in 2009 in 5 minutes, and my family net worth would be ~30% higher today (and into the future).

Education is difficult.
by just frank
Mon Apr 02, 2018 4:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371622

Re: U.S. stocks in freefall

mrspock wrote:
Mon Apr 02, 2018 4:36 pm
It just seems really unlikely this bull is going to run even a couple more years.
Let's see what logic dictates in a few weeks....
by just frank
Fri Mar 30, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 692
Views: 55960

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

@Valuethinker, upon some research I found out that Toyota looked a lot at Lithium batteries when they were designing the Prius, and decided that they were not ready for prime time, fire/explosion risk, etc. So they went with NiMH for the Prius, and the 'dissing Li-ion' idea got stuck in their corpor...
by just frank
Thu Mar 29, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: Mystery: Gas bill says therms increased 33% year over year but temperature stayed the same. Why?
Replies: 26
Views: 1747

Re: Mystery: Gas bill says therms increased 33% year over year but temperature stayed the same. Why?

Forgot to put storm windows down in the Fall?

Teen children starting using a lot more hot water?

Difference in vacation time in the two years?
by just frank
Thu Mar 29, 2018 6:24 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 692
Views: 55960

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

All the news about Tesla and the questionable parts in quality made me appreciate my Prius. While not as fancy as some of the other cars out there, it made me realize how grateful I am how well she has treated me over the years. I have to say I love my Prius and the fact that it is bullet proof. I ...
by just frank
Wed Mar 28, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 692
Views: 55960

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

--New pack assembly robots finally online and working ok, but at 1/10th or less of their designed speed. --quality issues cropping up in pack assembly...misplaced tubes, bad potting, etc. with fear of pack recall. Currently operating at 1/10th speed? Get hype! That means room for 10x improvement. R...
by just frank
Wed Mar 28, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 692
Views: 55960

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

I don't want Tesla or Elon to fail, and I do not really think that is imminent. That said, I still think that the battery pack design they use is ridiculous....thousands of tiny cylindrical cells with serpentine tubes of coolant between them, potted with fire retardant foam. This was clearly the des...
by just frank
Wed Mar 28, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: Is technical analysis all smoke and mirrors?
Replies: 62
Views: 4826

Re: Is technical analysis all smoke and mirrors?

...And like Santa, I think they exist. ??? If that's a joke, it's one level too deep for me to get. I would say this. The question with technical analysis and many investment strategies is not " could there be something to it?" The question is "Well, for the sake of argument, let's suppose there is...
by just frank
Wed Mar 28, 2018 7:41 am
Forum: Investing - Theory, News & General
Topic: Is technical analysis all smoke and mirrors?
Replies: 62
Views: 4826

Re: Is technical analysis all smoke and mirrors?

I don't think calling time-series momentum "technical analysis" does anything but muddy the waters... any more than calling smart beta "stock-picking" or rebalancing "market timing." Or saying that antibiotics are like rubbing green mold on a wound. Or that vaccination is a kind of homeopathy. Or t...
by just frank
Wed Mar 28, 2018 5:46 am
Forum: Personal Consumer Issues
Topic: Need wireless earbuds recommendations
Replies: 19
Views: 1602

Re: Need wireless earbuds recommendations

DW has been using the Apple airpods for a year and swears by them. I have read reviews that they are the best in terms of usability and sound quality in the 'wireless earbud' category hands down. The only complaints are by audio-philes that say they cant compete with high-end over the ear units (duh...
by just frank
Wed Mar 28, 2018 5:39 am
Forum: Investing - Theory, News & General
Topic: Is technical analysis all smoke and mirrors?
Replies: 62
Views: 4826

Re: Is technical analysis all smoke and mirrors?

Of course technical analysis is all 'smoke an mirrors', its socially constructed. But then so is all money, so who cares? The question is whether technical analysis can be used to make money by traders. The answer seems to be clearly that yes it can. Any method that is not valuation based is IMO tec...
by just frank
Sat Mar 24, 2018 12:59 am
Forum: Investing - Theory, News & General
Topic: I’m looking for a word...
Replies: 114
Views: 9216

Re: I’m looking for a word...

Lévy Walk ?
by just frank
Sun Mar 18, 2018 6:17 am
Forum: Investing - Theory, News & General
Topic: Could all of these "low expected returns over next 10 years" predictions be wrong?
Replies: 120
Views: 10879

Re: Could all of these "low expected returns over next 10 years" predictions be wrong?

The below is a link to a regular product from Yardeni Research, Inc.: https://www.yardeni.com/pub/mscipe.pdf At present, it indicates a Forward P/E for the US @ 17.3 This is consistent with the historical average of approx. 16, no? Or is Forward P/E not as reliable as the backward-looking 10 Year C...
by just frank
Sat Mar 17, 2018 3:56 pm
Forum: Investing - Theory, News & General
Topic: Could all of these "low expected returns over next 10 years" predictions be wrong?
Replies: 120
Views: 10879

Re: Could all of these "low expected returns over next 10 years" predictions be wrong?

Sure. But its just as likely right, and that means that in real terms, stocks go up 50%, down 30%, up 60%, and then down 40%.

In other words, almost flat. :D
by just frank
Wed Mar 14, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 127
Views: 10367

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
Sat Mar 10, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Whole House Natural Gas Generator
Replies: 110
Views: 6557

Re: Whole House Natural Gas Generator

I think the 'more disaster prone' is debatable, and could be a simple function of (i) local news hype repetition and (ii) underfunded grid maintenance projects (like tree trimming) and other aging infrastructure.

The story also sells a lot of generators and other spendy gear.
by just frank
Sat Mar 10, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Plastic free coffee maker?
Replies: 22
Views: 2409

Re: Plastic free coffee maker?

If you are worried about plastics...might I suggest you read about air pollution and worry about that instead?
by just frank
Sun Mar 04, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Whole House Natural Gas Generator
Replies: 110
Views: 6557

Re: Whole House Natural Gas Generator

When self driving car fleets start showing up in the next 5-10 years the demand for exurb and country homes will take a nose dive (at least in mcol and lcol areas). Don't expect to get any money back on money invested today, you'll be targeting an extremely niche market and there will be a surplus ...
by just frank
Wed Feb 28, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: Dealership oil change worth it?
Replies: 69
Views: 5101

Re: Dealership oil change worth it?

The single oil change I had at a dealership they forgot to put the new oil in, and then the mech took it for a test drive. When he realized his error, rather than stop and get the car towed back, he just drove it back to the shop without oil hoping that no one would be the wiser. AS it was, my famil...
by just frank
Sun Feb 25, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: used Prius (or Chevy Volt?)
Replies: 50
Views: 3959

Re: used Prius (or Chevy Volt?)

TCO would depend on the local price of electricity, the future price of gas, and ones driving habits. In most of the country, electric miles are much less than gas miles. And help with the longevity of the short-lived gas engine....which usually only run 5000 hours or so before they are kaput. Even...
by just frank
Thu Feb 22, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 65
Views: 5173

Re: Boglehead Flashlight?

I recently saw cheap 1000 lumen flashlights that run for a while on regular batteries...3 D cells. https://www.amazon.com/gp/product/B00RVV7AMW/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 and I got a couple. Might be a little big for dog walking, but handy for signaling aircraft, or low orbiting sate...
by just frank
Tue Feb 20, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: House rewiring - cost of copper
Replies: 29
Views: 2079

Re: House rewiring - cost of copper

I can think of no reason why the price of copper will be higher in the future than in the past.
by just frank
Mon Feb 19, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Make sense to setup 529 for high school junior?
Replies: 19
Views: 1498

Re: Make sense to setup 529 for high school junior?

I'd say go for it. I started when my oldest was in 8th grade, and I'm up quite a bit.

You can also do out of pocket at the beginning, and pay it out at the end of college...in 4 years.
by just frank
Mon Feb 19, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: used Prius (or Chevy Volt?)
Replies: 50
Views: 3959

Re: used Prius (or Chevy Volt?)

Second the Prius Prime suggestion. It has a Li-ion battery (current tech) rather than the NiMH battery (obsolete tech) that Toyota developed 20 years ago. The ability to run shorter errands off grid power makes it MUCH 'greener' than the Prius, and it has better gas economy (on long trips) than the...
by just frank
Sun Feb 18, 2018 6:37 am
Forum: Investing - Help with Personal Investments
Topic: To buy or not to buy in Boston for Investment
Replies: 18
Views: 1640

Re: To buy or not to buy in Boston for Investment

The Globe says that Metro population increase (driving recent price increases) is decelerating. https://www.bostonglobe.com/business/2017/03/29/greater-boston-population-growth-cooling/I7nxTrtp05fdpS1UtRuwpL/story.html I grew up there, still have family there, and frankly don't see it as an appealin...
by just frank
Sun Feb 18, 2018 6:19 am
Forum: Personal Consumer Issues
Topic: used Prius (or Chevy Volt?)
Replies: 50
Views: 3959

Re: used Prius (or Chevy Volt?)

Second the Prius Prime suggestion. It has a Li-ion battery (current tech) rather than the NiMH battery (obsolete tech) that Toyota developed 20 years ago. The ability to run shorter errands off grid power makes it MUCH 'greener' than the Prius, and it has better gas economy (on long trips) than the ...
by just frank
Mon Feb 12, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Birding binoculars under $500?
Replies: 21
Views: 1110

Re: Birding binoculars under $500?

The price per quality function on binos is super non-linear. I think 90% of people can't visually tell the difference between a $500 and a (good) $100 pair. The price on quality optics has fallen through the floor in the last 10 years, but a lot of folks have $1000 pairs from years ago, and they cou...
by just frank
Sun Feb 11, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: Potentiometer for motor speed control- any electrical engineers around?
Replies: 40
Views: 2514

Re: Potentiometer for motor speed control- any electrical engineers around?

I'm not an EE but i have taught electronics to college students.... IMO you will NOT find a potentiometer to put in line with your motor that will do the job. Inevitably, the 'pot' would need to dissipate almost as much energy/heat as the motor unless it was at 100% speed. One way to do this would b...
by just frank
Fri Feb 09, 2018 6:20 pm
Forum: Investing - Theory, News & General
Topic: Does Anyone Know Anything?
Replies: 36
Views: 3541

Re: Does Anyone Knows Anything?

I think Forbes knows nothing.
by just frank
Fri Feb 09, 2018 6:02 am
Forum: Investing - Theory, News & General
Topic: S&P 1550
Replies: 11
Views: 1548

Re: S&P 1550

So much melodrama on the board for a 10% correction! That so far has wiped out....12 weeks of 'gains'. So much for 'stay the course'.

The SP500 hasn't even touched its 200DMA yet, something it hasn't done for 14 mos, but which historically it has done much more frequently.
by just frank
Thu Feb 08, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Water Leak from shower stall - how to detect
Replies: 16
Views: 1302

Re: Water Leak from shower stall - how to detect

I have some friends with a similar situation, where their houses's previous owner had apparently just painted the ceiling with a water impenetrable paint. My buddy only had a few little stains for years. When the slow leak finally let go into a real leak years later, the water traveled large distanc...
by just frank
Wed Feb 07, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Philadelphia and Pittsburgh local taxes
Replies: 12
Views: 894

Re: Philadelphia and Pittsburgh local taxes

Just ask your payroll office. They will know.
by just frank
Wed Feb 07, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Philadelphia and Pittsburgh local taxes
Replies: 12
Views: 894

Re: Philadelphia and Pittsburgh local taxes

If you live in the Philly burbs (ahem) but work in the city, they garnish your wages a few percent. As a visitor, I think you're in the clear. And if not, they are not organized enough to come after you. :beer I think it comes down to whether the business paying you is based in Philly....and their p...
by just frank
Wed Feb 07, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Air Source Heat Pump as hedge against future expenses
Replies: 13
Views: 1016

Re: Air Source Heat Pump as hedge against future expenses

I would agree with the variable speed compressor idea. You want a HP to be HUGE so you get some heat out of it when its really cold, and the only problem is that a HUGE unit is oversized for AC, leading to poor AC dehumidification. Further south, the AC and HEAT loads are more balanced, and single s...