Search found 42 matches

by HoberMallow
Tue Oct 13, 2020 10:43 am
Forum: Personal Consumer Issues
Topic: Florida snowbirds and covid-19
Replies: 38
Views: 3845

Re: Florida snowbirds and covid-19

As a resident of FL, it is probably no different to where you live now. Hmm, that is not my reality Positivity rate in FL is 3.7% in my state and 10.3% in FL All restrictions have been lifted in FL and most public health officials are concerned about how much worse it could get there. The FDH hasn’...
by HoberMallow
Thu Oct 08, 2020 10:46 am
Forum: Personal Consumer Issues
Topic: Tesla maintenance cost?
Replies: 167
Views: 10167

Re: Tesla maintenance cost?

Relevant article posted just this morning. Owning an electric car really does save money, Consumer Reports finds From the article: As expected, CR's data confirms earlier work—lifetime maintenance costs for BEVs and PHEVs really are about half the cost for an ICE vehicle. For the first 50,000 miles ...
by HoberMallow
Tue Sep 29, 2020 1:40 pm
Forum: Personal Consumer Issues
Topic: Is my electric HVAC unit a heat pump?
Replies: 21
Views: 1007

Re: Is my electric HVAC unit a heat pump?

The air conditioning in our apartment stopped working, but the cooling season is just about over here, so with COVID going on we'd kind of rather not have a repair person and/or our landlord inside the apartment if we can help it. We figured we could just tough out any remaining warm days, if any, ...
by HoberMallow
Fri Sep 25, 2020 3:23 pm
Forum: Personal Consumer Issues
Topic: PHEV + Solar panels + Midwest
Replies: 36
Views: 1996

Re: PHEV + Solar panels + Midwest

You can enter your address and system size in Watts at the PVWatts calculator and it will estimate the annual energy production. A smallish electric car will consume 250 Watt-hours per mile, a mid-size SUV will be closer to 350. https://pvwatts.nrel.gov/index.php I assumed a 5kW system in Janesville...
by HoberMallow
Fri Sep 25, 2020 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: At what networth is okay to splurge on a 200k car ? (Tesla roadster)
Replies: 159
Views: 10699

Re: At what networth is okay to splurge on a 200k car ? (Tesla roadster)

They just announced preorders for the trimotor Model S for only $140k. They claim it ran a 1:30.2 at Laguna Seca, which is 0.5s faster than a McLaren P1 :shock:. That seems adequately fast, you save $60k, and have the seats and cargo space to take the family on a road trip.
by HoberMallow
Fri Sep 25, 2020 1:15 pm
Forum: Personal Consumer Issues
Topic: PHEV + Solar panels + Midwest
Replies: 36
Views: 1996

Re: PHEV + Solar panels + Midwest

I don't think anyone directly charges their car with solar panels. The solar panels connect to an inverter that converts DC to AC, which then feeds in to your main electrical panel. Then if the solar panels are producing more electricity than your house is consuming, the electric meter will run back...
by HoberMallow
Wed Sep 23, 2020 9:00 am
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 253
Views: 25191

Re: Tesla Model Y

Can't wait for their 25k USD car in 3 years. Might finally buy one. You mean their 35k cars that end up being 50k+? It's hard to believe what Musk says that far out. That being said, I am eyeing the Model Y when initial quality improves a bit. The Model 3 standard range with no options is $37,990. ...
by HoberMallow
Wed Sep 16, 2020 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: better vs lenderfi refi if all else equal
Replies: 10
Views: 661

Re: better vs lenderfi refi if all else equal

LenderFi claims they will claw back any credits if you refinance again within 6 months. It's unclear if they will actually follow through, but all else equal that would push me to Better.
by HoberMallow
Wed Sep 16, 2020 3:48 pm
Forum: Personal Consumer Issues
Topic: Solar - after 1 year the results are in.
Replies: 64
Views: 6918

Re: Solar - after 1 year the results are in.

Thanks for sharing your story. I noticed that the solar companies never calculate the Opportunity Cost of all the $$ they want you to pluck down. Every time I do the math the payoff is well over a decade and that is BEFORE I calculate in the Opportunity cost of the big money I would be putting down...
by HoberMallow
Wed Sep 16, 2020 3:35 pm
Forum: Personal Consumer Issues
Topic: Solar - after 1 year the results are in.
Replies: 64
Views: 6918

Re: Solar - after 1 year the results are in.

What is the expected lifespan of the solar panels, and what does it cost to maintain them? Most panels have a 25 year warranty. The inverter warranty is usually shorter - 12 or 15 years - and from what I've heard they usually fail before the panels. There is minimal to no maintenance needed. I usua...
by HoberMallow
Wed Sep 09, 2020 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Math and Sense
Replies: 4
Views: 442

Re: Refinance Math and Sense

Also consider that your amortization is going to reset. At this point, your ~$1200 payment is probably ~$400 interest, and and ~$800 principal. Those numbers will just about flip-flop. This isn't correct. The monthly interest is just equal to (principal) * (interest rate) / 12. Since the new intere...
by HoberMallow
Sun Aug 30, 2020 6:26 pm
Forum: Personal Consumer Issues
Topic: So, I was playing Pickleball and Amazon sent me an offer
Replies: 87
Views: 7456

Re: So, I was playing Pickleball and Amazon sent me an offer

iOS 14 may help prevent this sort of tracking. https://arstechnica.com/tech-policy/2020/08/ios-14-privacy-settings-will-tank-ad-targeting-business-facebook-warns/ From the article: The next version of Apple's mobile operating system, iOS 14...requires app developers to notify users if their app coll...
by HoberMallow
Sat Aug 22, 2020 10:08 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 171
Views: 11835

Re: PSA: switch to LED light bulbs and save hundreds per year

I have some indoor flood lights in my kitchen ceiling. I believe they are PAR30 size. I am using 1000 lumen incandescent bulbs because the LED replacements I have found are only 850 lumens, and I want the amount of light I have. Here is one that is 1050 lumens. https://www.1000bulbs.com/product/998...
by HoberMallow
Tue Aug 04, 2020 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7611
Views: 523247

Re: Refinance Mega Thread

For anyone who used Better.com and received an appraisal waiver: 1) How did Better return the $550 appraisal fee, did they refund the credit card used at/after close? 2) If I owe $700 to close, how do I pay this? I'm assuming with a personal check to the notary when I sign on closing? 3) How long d...
by HoberMallow
Mon Aug 03, 2020 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Coronavirus-Related Distribution to rollover IRA - California taxes?
Replies: 2
Views: 182

401k Coronavirus-Related Distribution to rollover IRA - California taxes?

I successfully lobbied my employer to allow Coronavirus-Related Distributions from our 401k plan. I'm planning to withdraw the full $100,000 and roll it over to an IRA at Vanguard. This will eliminate the 0.3% fee charged by the 401k and allow me to choose better investments for this money. I've rea...
by HoberMallow
Thu Jul 30, 2020 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: How is depreciation deduction calculated when converting current home to rental?
Replies: 9
Views: 639

Re: How is depreciation deduction calculated when converting current home to rental?

Thanks. So based on this, I would have to take the price I paid in 2006 minus land value in 2006, plus the cost of improvements made to the house since then. Since the house value has appreciated quite a bit in these 14 years, that would be the lower amount. Bummer that I cant use the current marke...
by HoberMallow
Wed Jul 29, 2020 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: How is depreciation deduction calculated when converting current home to rental?
Replies: 9
Views: 639

Re: How is depreciation deduction calculated when converting current home to rental?

See IRS Pub 527: https://www.irs.gov/publications/p527#en_US_2019_publink1000219151 When you change property you held for personal use to rental use (for example, you rent your former home), the basis for depreciation will be the lesser of fair market value or adjusted basis on the date of conversio...
by HoberMallow
Wed Jul 08, 2020 2:52 pm
Forum: Personal Consumer Issues
Topic: $20,000 solar investment in PA worth it?
Replies: 27
Views: 2007

Re: $20,000 solar investment in PA worth it?

JHU ALmuni wrote: Wed Jul 08, 2020 2:02 pm 12 years is a long time. By the time you get your money back, there will probably be some maintenance/fixes needed. Not sure what kind of warranty offered and how long it supposed to last I won't do it at this point.
From the original post:
WaffleCone wrote: Tue Jul 07, 2020 6:42 pm 25 year warranty on everything
by HoberMallow
Fri Jun 26, 2020 4:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20548
Views: 2794472

Re: U.S. stocks in free fall

minimalistmarc wrote: Fri Jun 26, 2020 4:43 pm Bad news = more Monet printing
It appears more Monet printing may be needed. A lot of these have limited stock available.

https://www.amazon.com/s/ref=nb_sb_noss ... net+prints

:D
by HoberMallow
Wed Jun 17, 2020 7:52 pm
Forum: Personal Consumer Issues
Topic: Need N95 Mask in a Small Size
Replies: 45
Views: 3140

Re: Need N95 Mask in a Small Size

Here is an OSHA page on COVID-19 and dentistry. https://www.osha.gov/SLTC/covid-19/dentistry.html This section appears to be relevant: Employers of dentistry workers are responsible for following applicable OSHA requirements, including OSHA's Bloodborne Pathogens (29 CFR 1910.1030), Personal Protec...
by HoberMallow
Wed Jun 17, 2020 7:34 pm
Forum: Personal Consumer Issues
Topic: Need N95 Mask in a Small Size
Replies: 45
Views: 3140

Re: Need N95 Mask in a Small Size

Here is an OSHA page on COVID-19 and dentistry. https://www.osha.gov/SLTC/covid-19/dentistry.html This section appears to be relevant: Employers of dentistry workers are responsible for following applicable OSHA requirements, including OSHA's Bloodborne Pathogens (29 CFR 1910.1030), Personal Protect...
by HoberMallow
Sat Jun 13, 2020 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7611
Views: 523247

Re: Refinance Mega Thread

About to close on a refi with Better. $825k house value $490k loan 2.5% for 15 years $2800 in lender credits No escrow No appraisal Southern CA Locked rate on June 4, scheduled to sign closing docs on June 16 This is our second refi this year. In January we switched from a 3.75% 30 year to a 3% 15 y...
by HoberMallow
Mon Apr 20, 2020 1:48 pm
Forum: Personal Investments
Topic: Tax Lot Assignment after Settlement date - Am I too late now?
Replies: 7
Views: 505

Re: Tax Lot Assignment after Settlement date - Am I too late now?

In September 2017 the settlement date for stocks and ETFs was changed to two days after the trade date. Should that Wiki page be updated?

https://www.sec.gov/news/press-release/2017-68-0
by HoberMallow
Mon Apr 13, 2020 1:10 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 77756

Re: Bogleheads community discussion - Coronavirus

So how good is my P100 smoke and mold mask versus Covid19? It stops 99.97% of particles and so forth. I think it is a lot better than the P95 masks. But no where can I find any discussion on the performance versus medical stuff. Is it because the CDC prevents 3M from saying anything? I ask because ...
by HoberMallow
Thu Apr 09, 2020 11:22 am
Forum: Personal Finance (Not Investing)
Topic: self-employment tax--drastically different rates based on income?
Replies: 6
Views: 356

Re: self-employment tax--drastically different rates based on income?

DSInvestor wrote: Thu Apr 09, 2020 9:50 am Social security tax caps out at $132,900.
Note that this was the limit for 2019. It increases every year with inflation. The limit for 2020 is $137,700.

https://www.ssa.gov/OACT/COLA/cbb.html
by HoberMallow
Sat Mar 21, 2020 2:23 pm
Forum: Investing - Theory, News & General
Topic: What's happening with Muni Money Market fund yields?
Replies: 153
Views: 14994

Re: What's happening with Muni Money Market fund yields?

The Vanguard California Municipal Money Market Fund (VCTXX) now has a higher yield than the California Long-Term Bond Fund (VCITX) - 1.71% vs 1.47%. Despite recent moves from the Fed, muni bonds are still under some major stress. I moved all my cash from VCTXX to the Treasury MM fund (VUSXX) about a...
by HoberMallow
Thu Mar 05, 2020 9:59 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffet on renewable energy
Replies: 94
Views: 7095

Re: Warren Buffet on renewable energy

The investment bank Lazard regularly publishes comparisons of the cost of various energy sources. The latest version is available here: https://www.lazard.com/media/451086/lazards-levelized-cost-of-energy-version-130-vf.pdf Page 3 compares various energy sources WITHOUT subsidies. Combined cycle nat...
by HoberMallow
Fri Aug 16, 2019 8:04 am
Forum: Personal Consumer Issues
Topic: Best secure email to use instead of gmail?
Replies: 93
Views: 16744

Re: Best secure email to use instead of gmail?

I switched to Fastmail a couple of years ago. I pay around $60 per year for it. They have a service to transfer your existing Gmail inbox to them. You can also set up forwarding so messages to your Gmail address are forwarded to Fastmail. I also bought a domain to use as my email address. That’s ano...
by HoberMallow
Wed Mar 27, 2019 10:55 pm
Forum: Personal Investments
Topic: Beginning high earner in CA
Replies: 24
Views: 3575

Re: Beginning high earner in CA

I'm surprised no one has recommended dumping the rental property. It's worth 1.8m and only rents for $45k annually? That's a truly awful return. I can't imagine rent even covers the mortgage and property taxes, let alone maintenance or actual profit. If I were you, I'd sell it now and invest in some...
by HoberMallow
Wed Mar 27, 2019 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: tax return e-file still pending after 3 days
Replies: 4
Views: 592

Re: tax return e-file still pending after 3 days

Finally got an update today - my return was rejected by TurboTax. Apparently there is a pending TurboTax software update that affects my return. According to this link, it should be fixed by March 28: https://ttlc.intuit.com/questions/4708775-federal-return-rejected-due-to-reject-code-8960_hold-and-...
by HoberMallow
Tue Mar 26, 2019 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: tax return e-file still pending after 3 days
Replies: 4
Views: 592

tax return e-file still pending after 3 days

I e-filed my taxes last Saturday, March 23 using TurboTax. It's been 72 hours and the federal and California returns are both still "pending." Has anyone else had a delay in their returns being accepted? I looked through last year's e-file records. Both returns were accepted within 15 minutes of bei...
by HoberMallow
Thu Dec 20, 2018 4:37 pm
Forum: Investing - Theory, News & General
Topic: Artemis Attack on the Bogleheads
Replies: 80
Views: 10474

Re: Artemis Attack on the Bogleheads

I posted his vega fund performance in other post. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=255985&p=4161676#p4161676 Numbers are CAGR from January 2012 to December 2016: Artemis Vega Fund LP: 2.35% Artemis + Equity Managed Account: 11.54% S&P 500: 12.23% So after 5 years he managed to ...
by HoberMallow
Thu Oct 12, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Anyone else using HTTPS Everywhere or similar?
Replies: 16
Views: 2386

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: 3027

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: Personal Investments
Topic: Clarification of index "trust" funds in 401k
Replies: 19
Views: 4735

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: 2581

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: 1465

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: 12660

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: Personal Investments
Topic: Traditional Salary + Wife 1099 >200K Income, how to save tax defered
Replies: 19
Views: 3027

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: 2619

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: 11571

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: 11571

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...