Search found 22 matches

by NRI
Mon Oct 05, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: Buying a Tesla
Replies: 84
Views: 7728

Re: Buying a Tesla

I'll also jump on the wagon. Buy it. They're wonderfully fun cars. I bought my M S 100D when that was the new thing and I still love it. There's value in the enjoyment.
by NRI
Sat Sep 05, 2020 2:48 pm
Forum: Personal Consumer Issues
Topic: Tesla Full Self Driving Option
Replies: 131
Views: 10767

Re: Tesla Full Self Driving Option

Those who have bought Tesla, did you also buy the FSD option? Why or why not? Personally, I find it hard to justify paying $8,000 in advance for an option that you don't know when it will be available. TravelforFun No only because my 100D has EAP though, I was eligible for the upgrade at 2K & 3...
by NRI
Thu Aug 27, 2020 3:44 pm
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 167
Views: 22934

Re: Vitamix Worth It?

I own a Vitamix 7500, and the wife and I love it. We've made soup, peanut butter, and smoothies in it; thing's a beast, and built to last a long time.
by NRI
Wed Aug 19, 2020 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a house now or wait? [New Jersey]
Replies: 11
Views: 1580

Re: Buy a house now or wait? [New Jersey]

https://www.youtube.com/watch?v=xG-VBXSRaTE Buy a home when you need one. That being said, this market does offer incredible interest rates on mortgages, though on the other end of that sword are higher prices those rates are being applied to. This is a very personal decision, and should be based on...
by NRI
Sat Apr 04, 2020 1:00 pm
Forum: Personal Investments
Topic: Airline stocks, JETS, DAL, UAL
Replies: 23
Views: 2764

Re: Airline stocks, JETS, DAL, UAL

Airlines are not what they used to be. This wasnt an airline failure they were forced into this position, the underlying companies are good with a lot of reinvestment into themselves, solid growth, dividends and bigger moats. DAL owns a fuel refinery, oil is in a price war. They're going to save a f...
by NRI
Thu Apr 02, 2020 1:29 pm
Forum: Personal Investments
Topic: Technical Question on Conversions
Replies: 15
Views: 768

Re: Technical Question on Conversions

Eagle33 wrote: Thu Apr 02, 2020 12:56 am Sounds like OP is trying to do very delayed 2nd steps of multiple backdoor Roths.
Largely this - without having taken the tIRA deduction on prior years due to being ineligible.
by NRI
Wed Apr 01, 2020 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: LenderFI - What am I Missing?
Replies: 8
Views: 1571

Re: LenderFI - What am I Missing?

It's a no-brainer.

I went from 3.875 to 3.0 with LenderFi, with no lending cost and appraisal waived. Just had normal prepaids.
by NRI
Wed Apr 01, 2020 4:00 pm
Forum: Personal Investments
Topic: Technical Question on Conversions
Replies: 15
Views: 768

Technical Question on Conversions

Hey guys, I make too much to do direct Roth contributions, so I have put the money into a traditional IRA over the years. According to my tax guy I havent been able to claim the tax deduction on the traditional IRA due to having another employer sponsored retirement plan. My question is, if I do a b...
by NRI
Wed Mar 11, 2020 1:49 pm
Forum: Personal Investments
Topic: For those that buy single stocks, what to watch?
Replies: 37
Views: 3427

Re: For those that buy single stocks, what to watch?

I've been bullish on Delta Airlines (DAL), General Motors (GM), Berkshire Class B. (BRKb), and Teva Pharmaceutical (TEVA); with plans to hold for a very long time.
by NRI
Thu Mar 05, 2020 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 301
Views: 48097

Re: 30 year mortgage under 3%

I locked a 30 year fixed refinance through LenderFi today at 3.00% with 0 cost and closing fees covered. Unreal.

I live in SoCal, great credit and LTV for what it's worth.
by NRI
Sat Jan 04, 2020 6:23 pm
Forum: Personal Consumer Issues
Topic: Outdoor landscaping lights
Replies: 17
Views: 1654

Re: Outdoor landscaping lights

https://www.frontgate.com/pro-series-vi-solar-path-lights/897826?listIndex=0&offers_sku=150257&SourceCode=ZZ51120&intlShippingCtx=US%7CUSD&catargetid=120245420002619108&cadevice=c&gclid=CjwKCAiAjMHwBRAVEiwAzdLWGDfrCFDZAH3g15QDjq4xfIiDJy4kipBMb4uh9DUYZmZe-bftzQ1P0BoClksQAvD_B...
by NRI
Sat Dec 28, 2019 3:03 pm
Forum: Non-US Investing
Topic: Is Gold really as bad as it made out to be?
Replies: 44
Views: 3983

Re: Is Gold really as bad as it made out to be?

Gold doesn't produce anything. It's a metal with largely emotion based value. I wouldn't consider it an investment. IMO buy good businesses that produce value and over the long term you will likely be much happier. Take this quote from Warren Buffet at the time: “You could take all the gold that’s e...
by NRI
Thu Dec 19, 2019 6:35 pm
Forum: Personal Consumer Issues
Topic: Tesla Owners: Worth the hassle?
Replies: 88
Views: 7428

Re: Tesla Owners: Worth the hassle?

squirm wrote: Thu Dec 19, 2019 6:30 pm Depends if summons and sentry more are on. If they are, expect much faster charge decay.
That's correct. I should've included that in my post. Also the cabin overheat protection in hotter climates will automatically turn on the AC, draining battery as well.
by NRI
Thu Dec 19, 2019 6:03 pm
Forum: Personal Consumer Issues
Topic: Tesla Owners: Worth the hassle?
Replies: 88
Views: 7428

Re: Tesla Owners: Worth the hassle?

I own a Model 3 and live in an apartment. I charge on the 110V outlet in my garage at 5mi/hr. I drive 40 miles to work, but am able to charge at work as I work at a small business and we installed a charger there. My situation is unique. I drive a ton. I've had the car since July 23rd and have put ...
by NRI
Thu Dec 19, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Tesla Owners: Worth the hassle?
Replies: 88
Views: 7428

Re: Tesla Owners: Worth the hassle?

I've owned my Model S 100D for about two years now, and have had no issues with long trips. The supercharging network is huge, and being improved to deliver higher output for faster charge times, as well as more locations. By the time I need to stop, I generally want to stop. Having a 'home base' fo...
by NRI
Wed Dec 04, 2019 4:03 pm
Forum: Investing - Theory, News & General
Topic: Favorite stock(s) and why
Replies: 131
Views: 8919

Re: Favorite stock(s) and why

DAL, KHC @ low, TEVA @ low, GS, AAPL.

Great companies, great managers, moats, and a good price at the time of purchase. These are long holds.

:beer
by NRI
Sun Feb 07, 2016 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: 10% Mortgage Down payment
Replies: 49
Views: 9572

Re: 10% Mortgage Down payment

It depends on the price of the home and your areas loan limits. FHA generally has loan limits that are usually much less than conventional financing; this varies from county to county. They also have different rules regarding credit, DTI, PMI, lender closing cost support etc...) If the home is over ...
by NRI
Mon Aug 24, 2015 11:20 pm
Forum: Personal Investments
Topic: 401K Advice?
Replies: 2
Views: 471

Re: 401K Advice?

Thanks for your input.
by NRI
Mon Aug 24, 2015 7:05 pm
Forum: Personal Investments
Topic: 401K Advice?
Replies: 2
Views: 471

401K Advice?

Emergency funds: Yes, five months. Debt: No outstanding debt, just living expenses (rent, food etc..) Tax Filing Status: Single Tax Rate: Federal: 25-28% (I sell new homes so income can range) State: 9.3% State of Residence: CA Age: 23 Desired Asset allocation: 90% stocks / 10% bonds Desired Interna...