Search found 10 matches

by HoberMallow
Thu Oct 12, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Anyone else using HTTPS Everywhere or similar?
Replies: 16
Views: 2145

Re: Anyone else using HTTPS Everywhere or similar?

I've been using it for years.

You'll see a green lock in the address bar more often, but other than that it's mostly unnoticeable. It helps prevent your ISP from tracking the pages you visit and injecting ads or other annoyances, so using it is a no-brainer for me.
by HoberMallow
Wed Sep 13, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Tesla Financing
Replies: 22
Views: 2784

Re: Tesla Financing

Concerning the California electric grid, it's 53% natural gas, 29% renewable, and 12% hydro. Coal is not quite zero - it supplies 0.76% of the energy. Data from the grid operator California ISO: http://www.caiso.com/Pages/TodaysOutlook.aspx#Power%20Mix%20by%20Fuel%20Type. Edit: Removed comment on st...
by HoberMallow
Thu May 04, 2017 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Clarification of index "trust" funds in 401k
Replies: 19
Views: 3365

Re: Clarification of index "trust" funds in 401k

For tracking positions, you should be able to use a public fund that follows the same index. Just adjust the number of shares to give the same dollar amount as your investment. They may drift apart slightly over time due to the difference in ER, but that effect should be minor. You might use VIIIX f...
by HoberMallow
Thu May 04, 2017 4:26 pm
Forum: Investing - Theory, News & General
Topic: Prosper.com - Misreporting annualized returns?
Replies: 15
Views: 2386

Re: Prosper.com - Misreporting annualized returns?

Check the Internet Archive for previous versions of the prosper.com/invest page. Here are some snapshots from 2013 and 2015 that seem to show the returns you're talking about. They show around 11% returns for C-rated loans. Is that the incorrect value that they were previously reporting? https://web...
by HoberMallow
Tue Apr 25, 2017 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Space X launch in Florida
Replies: 8
Views: 1425

Re: Space X launch in Florida

Check out the NASASpaceFlight forums. They usually have a dedicated thread for viewing each launch. https://forum.nasaspaceflight.com/index.php?board=55.0 Here's the thread for CRS-10, which flew on Feb 19 and landed back at LZ-1. Lots of good suggestions that will apply to most launches. https://fo...
by HoberMallow
Tue Apr 18, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Is my electric bill high?
Replies: 60
Views: 9192

Re: Is my electric bill high?

We're in inland LA county (near Pasadena), in an 1800 sq ft house. We have an electric car (Chevy Volt) and a pool. Last year our electricity consumption was 500-600 kWh per month in the winter. Our peak consumption was 1100 kWh in July when the AC was running constantly. Charging the Volt uses arou...
by HoberMallow
Thu Mar 16, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Traditional Salary + Wife 1099 >200K Income, how to save tax defered
Replies: 19
Views: 2807

Re: Traditional Salary + Wife 1099 >200K Income, how to save tax defered

If you make traditional 401k contributions instead of Roth, and your wife opens a solo 401k and contributes $18k to it, your income will be below the Roth IRA contribution limit ($186k for married filing jointly) and you won't need the backdoor.
by HoberMallow
Tue Mar 14, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Looking for direction...two years later
Replies: 18
Views: 2526

Re: Looking for direction...two years later

For most of my 20's and early 30's I did consulting in I.T., which didn't afford me access to a 401k. This isn't true - you can set up a solo 401k if you're self-employed. Most of the major brokerages offer them - Vanguard, Fidelity, etc. There is a bit of paperwork involved, but the benefits are w...
by HoberMallow
Fri Mar 10, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: cost of Solar Power
Replies: 99
Views: 10164

Re: cost of Solar Power

To give you some more details on the return, our electricity bill was $2,100 per year and the solar system cost $11,500. Assuming a 3% discount rate, that's a payback period of just over 6 years. The panels have a 25 year warranty and typically last for 30+, so after that it's free electricity. And ...
by HoberMallow
Fri Mar 10, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: cost of Solar Power
Replies: 99
Views: 10164

Re: cost of Solar Power

It depends how much electricity you use and how much of your usage you want to offset with solar. Solar panels are sold based on their power output under standardized conditions. The amount of energy produced depends on the installation details (direction panels are facing, tilt relative to horizont...