Search found 1470 matches

by gatorking
Sat Mar 16, 2024 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard and [SIPC] insurance
Replies: 4
Views: 476

Re: Vanguard and SPIC insurance

It's SIPC insurance. Try Googling the forum for this.
Here is the Wiki entry: https://www.bogleheads.org/wiki/SIPC_pr ... tual_funds
by gatorking
Fri Mar 15, 2024 11:02 am
Forum: Investing - Theory, News & General
Topic: Great news! No more [fixed real estate] agent commission
Replies: 163
Views: 15097

Re: Great news! No more agent commission

sailaway wrote: Fri Mar 15, 2024 10:24 am If the seller cannot set compensation for the buyer's agent, sounds like you will only save if you insist on dual agency, which requires more work on your part.
What does dual agency mean?
by gatorking
Thu Mar 14, 2024 10:21 am
Forum: Personal Consumer Issues
Topic: Happy Pi Day! (And what pie?)
Replies: 54
Views: 4546

Re: Happy Pi Day! (And what pie?)

"When the moon hits your eye like a big pizza pie, that's amore ..."
by gatorking
Sun Mar 10, 2024 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Claiming AOTC - Advanced questions
Replies: 16
Views: 979

Re: Claiming AOTC - Advanced questions

WorkToLive wrote: Sat Mar 09, 2024 8:33 am I can choose not claim her as a dependent for 2024.
A previous conversation: viewtopic.php?t=277049
by gatorking
Fri Mar 08, 2024 12:42 pm
Forum: Personal Consumer Issues
Topic: Are white, red, blue and other bright colors safer [for cars] than other colors???
Replies: 45
Views: 3873

Re: Are white, red, blue and other bright colors safer than other colors???

TomatoTomahto wrote: Fri Mar 08, 2024 8:40 am I had an Audi many years ago painted what they called “Safety Orange.” It was ugly but visible.

Since then, I generally buy silver cars because they don’t show dirt. I always have my headlights and taillights on. My new car will have digital headlights that are smarter than I am, not blinding oncoming traffic, highlighting bicyclists, pedestrians, and animals in the road. Look up Mercedes DIGITAL LIGHT.
Your new car can have it but you may not be allowed to use it. https://www.cnn.com/2024/02/15/cars/hea ... index.html
by gatorking
Fri Mar 08, 2024 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Can I splurge on a family vacation to Hawaii?
Replies: 56
Views: 4801

Re: Can I splurge on a family vacation to Hawaii?

You should read about Bill Perkin's 45th birthday bash in his book "Die with Zero". Here is a teaser https://awealthofcommonsense.com/2022/0 ... ravagance/
by gatorking
Fri Mar 08, 2024 7:15 am
Forum: Personal Finance (Not Investing)
Topic: First bonus, taxed at almost 50%!
Replies: 55
Views: 3287

Re: First bonus, taxed at almost 50%!

My payroll dept also takes 401k contributions out of bonus payments.
by gatorking
Thu Mar 07, 2024 2:12 pm
Forum: Personal Consumer Issues
Topic: Wordle [Anyone playing Wordle?]
Replies: 393
Views: 43407

Re: Wordle [Anyone playing Wordle?]

I play Wordle almost every day. I almost always, but not always, get it within six. I'm frustrated because the New York Times doesn't seem to be 100% accurate on user recognition, and (foolishly) I sometimes play it on my tablet and sometimes on my computer, and every once in a while the device will forget that I DID win it yesterday and break my streak... I always begin with the same two words, which together include A, E, I, O, U, Y and four very frequent letters. By the third guess, it is already quite difficult to find candidates that are consistent with the results of the first two. It ain't Wordle, it isn't nearly as good, but I've started playing the Washington Post's Keyword game and I do enjoy it. By the way, the master key to Key...
by gatorking
Tue Mar 05, 2024 9:51 am
Forum: Personal Consumer Issues
Topic: Portugal trip
Replies: 19
Views: 1453

Re: Portugal trip

JackE wrote: Mon Mar 04, 2024 8:31 pm Thanks to all for the helpful replies. I think I'll play around with the Bolt app but won't stress about it if I don't get it going, sounds like Uber will work fine.
You should install and activate an eSim for your trip. My DD did it for Spain and said it should be activated before you leave for your trip.
by gatorking
Tue Mar 05, 2024 9:17 am
Forum: Personal Investments
Topic: Fidelity Calls from "Palumbo Wealth Management Team"
Replies: 37
Views: 3504

Re: Fidelity Calls from "Palumbo Wealth Management Team"

z3r0c00l wrote: Tue Mar 05, 2024 7:00 am And second, are these actual Fidelity representatives or do independent broker firms have some sort of arrangement where they sell under the fidelity name and share the commissions when selling annuities? Some of these folks have fmr.com emails, other have fidelity.com emails.
When I log into my Fidelity account I see at the top right of the page "Connect with your advisor" with a name and contact information. The only calls/emails I receive (about once a year) are from this person or someone on their team.

Check to see if this shows up on your parent's account page and if the advisor is "Palumbo". If not, I would block all further calls.
by gatorking
Sat Feb 17, 2024 5:51 am
Forum: Personal Consumer Issues
Topic: Sell 2011 RAV4 for a 2019 Tacoma - for Turo
Replies: 10
Views: 1219

Re: Sell 2011 RAV4 for a 2019 Tacoma - for Turo

Consider playing the credit card game and transferring your $6000 balance to a zero or low interest card, even if only for one year. Then repeat till you pay off the debt.
by gatorking
Wed Feb 14, 2024 10:18 am
Forum: Personal Consumer Issues
Topic: Sewer gas odor? Check your HVAC drain!
Replies: 4
Views: 817

Re: Sewer gas odor? Check your HVAC drain!

Tubes wrote: Wed Feb 14, 2024 6:21 am Summary: make sure your HVAC condensate drain is not connected directly (without an air gap) to your plumbing vent system!

This kind of thing is not a common practice by HVAC installers. But maybe you are the unlucky one. If you have sewer gas odors in your home you can't figure out by looking at your regular plumbing, make sure to check your HVAC system.

They don't call me "Tubes" for nothing! :)
You missed an opportunity to create an epic thread like this one: viewtopic.php?t=62092
by gatorking
Tue Feb 13, 2024 10:29 am
Forum: Personal Consumer Issues
Topic: Which Boston suburb to settle?
Replies: 198
Views: 18122

Re: Which Boston suburb to settle?

A shout-out for Bedford MA, one of the smaller suburbs north of Boston. One advantage I see is the school district - there is only one school at each level so kids know each other from K through 12 (assuming they stay in Bedford). Other bigger towns have multiple elementary schools that feed into 1 or 2 middle schools and then 1 high school.
Minuteman bike trail starts in Bedford, a big plus if biking is your thing.

p.s. I don't live in Bedford.
by gatorking
Sun Feb 04, 2024 10:28 am
Forum: Personal Consumer Issues
Topic: Buying a used car: what's your limit?
Replies: 65
Views: 6215

Re: Buying a user car: what's your limit?

Tom_T wrote: Sun Feb 04, 2024 10:03 am
Mike Scott wrote: Sun Feb 04, 2024 9:53 am Given the changes in the used car market since "cash for clunkers", the lightly used car market does not make much sense anymore unless you find a true unicorn for sale.
Here are a few examples from my Honda dealer's Web site for a CR-V EX:

New: $34K
Used, 21K miles, $29K
Used, 30K miles, $25K
Used, 39K miles, $24K

There's nothing under 20K miles, and I've looked at a couple of Honda dealer sites.
If you can bargain the used car price down more than the new car it may be worth going with the used ones.
by gatorking
Fri Feb 02, 2024 11:15 am
Forum: Personal Consumer Issues
Topic: National Merit Semi-Finalist/Finalist - universities giving the most $
Replies: 50
Views: 3794

Re: National Merit Semi-Finalist/Finalist - universities giving the most $

cashheavy18 wrote: Wed Jan 31, 2024 3:20 pm My question - how big of a trade off is there to choose between a lower ranked school vs. a free full ride?
I think you mean higher ranked school vs. a free full ride since the higher the rank the less incentive a school has to provide scholarships and grants.
by gatorking
Mon Jan 29, 2024 3:38 pm
Forum: Personal Consumer Issues
Topic: Dishwasher - repair or buy new?
Replies: 60
Views: 5515

Re: Dishwasher - repair or buy new?

I managed to repair a 12 year old leaking dishwasher by replacing the water inlet valve - $20 for replacement part and $10 for a new stainless braided hose. Took about 2 hrs to replace.
https://www.amazon.com/gp/product/B0B3C ... UTF8&psc=1
by gatorking
Thu Jan 25, 2024 10:45 am
Forum: Personal Consumer Issues
Topic: HR Block Deluxe wants to charge me $39.95 for the State program
Replies: 64
Views: 5832

Re: HR Block Deluxe wants to charge me $39.95 for the State program

Is it trying to charge you to download the program or to file State taxes?
by gatorking
Tue Jan 23, 2024 8:16 am
Forum: Personal Consumer Issues
Topic: Best car for icy weather? Advice about driving in snowy conditions?
Replies: 113
Views: 7459

Re: Best car for icy weather? Advice about driving in snowy conditions?

Macaroni2314 wrote: Tue Jan 23, 2024 8:08 am
ClevrChico wrote: Tue Jan 23, 2024 8:07 am Tires make the biggest difference, far more than the car. I've been happy with both Blizzak and X-Ice snow tires. (Nokian gets high marks, but they're harder to find here.)

They do superb in the snow, but they are still not great in pure ice conditions. I expect studded tires would do better on ice. When the DOT says "travel not recommended", stay home if you can. The recent blizzard was one of the worst of my lifetime.
That's helpful to know. Tires more important than car. Makes sense.

Thanks for acknowledging that it's been a short but surprisingly tough winter!
All-weather may be better than all-season.
by gatorking
Thu Jan 18, 2024 4:07 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 7638
Views: 1713044

Re: What Book Are You Currently Reading? Part VI

jaqenhghar wrote: Sat Jan 13, 2024 7:42 am The Art of Frugal Hedonism
Sounds intriguing. Is it any good?
by gatorking
Tue Jan 16, 2024 5:31 am
Forum: Personal Finance (Not Investing)
Topic: Need Advice - Retirement Tax Strategy (15yrs) in my 30's
Replies: 17
Views: 1887

Re: Need Advice - Retirement Tax Strategy (15yrs) in my 30's

Stop actively using your HSA and let it grow. Use post tax money instead.
Max out your 401k before putting money in a Roth.
by gatorking
Thu Dec 21, 2023 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Spending curve over time
Replies: 11
Views: 1429

Re: Spending curve over time

Link to JP Morgan Guide to Retirement is in this conversation:
viewtopic.php?t=399529
You can see spending curves over time in here.
by gatorking
Wed Dec 20, 2023 3:49 pm
Forum: Personal Consumer Issues
Topic: Can I afford to splurge on a Tesla?
Replies: 92
Views: 9566

Re: Can I afford to splurge on a Tesla?

jkhayc wrote: Wed Dec 20, 2023 2:24 pm
WhiteMaxima wrote: Wed Dec 20, 2023 12:59 pm tesla depreciate much fast than your current car + gas cost. I won't buy. Invest the money in a three fund folio. They will appreciate rather than depreciation like a car.
can you please provide data that shows teslas depreciate faster than an older ICE vehicle?
Not sure this exactly answers your question.
https://caredge.com/tesla/model-y/depre ... calculator
https://caredge.com/mazda/cx-5/depreciation
by gatorking
Mon Dec 18, 2023 7:31 am
Forum: Personal Finance (Not Investing)
Topic: SIL considering a PhD in Engineering, worth it?
Replies: 97
Views: 14278

Re: SIL considering a PhD in Engineering, worth it?

Tdubs wrote: Mon Dec 18, 2023 6:22 am He has worked for a corrosion control company for about five years. It partially paid for his MS but it isn't interested in supporting a Ph.D. His mentor said he would help my SIL write grants, but didn't indicate if there was immediate money available for the tuition needed to finish classwork.
This is a red flag to me. It is the professors job to write grants (sometimes with post-docs but not grad students) and get money for research and then hire students/post-docs to do the research.
by gatorking
Mon Dec 18, 2023 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Question on 401k employer match - solved!
Replies: 76
Views: 10777

Re: Shorted on 401k employer match

In my company the true-up occurs in May of the following year and HR sends an email saying "We are happy to announce that we have completed the annual 401(k) plan match true-up calculation for plan year xxxx".
by gatorking
Sun Dec 17, 2023 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: SIL considering a PhD in Engineering, worth it?
Replies: 97
Views: 14278

Re: SIL considering a PhD in Engineering, worth it?

My son-in-law has just finished an MS in materials engineering, and he currently works for a company specializing in corrosion control. One of his professors encouraged him to pursue a PhD in Manufacturing Engineering. We have discussed a lot of non-financial issues of such a degree--time commitment, personal fulfillment, interest in the research subject matter his mentoring professor suggests, etc. But what we don't have a good answer to a simple question, will a PhD be worth it financially for him? Will a PhD in manufacturing engineering make financial sense? Do BHers think the degree will open professional opportunities for him? Or, would it make more financial sense to be satisfied with his MS and pursue a P.E.? I think a Ph.D. may mak...
by gatorking
Fri Dec 15, 2023 6:03 pm
Forum: Personal Consumer Issues
Topic: How best to dry off passenger seat
Replies: 23
Views: 3352

Re: How best to dry off passenger seat

rockstar wrote: Thu Dec 14, 2023 4:15 pm
lthenderson wrote: Thu Dec 14, 2023 11:44 am With all due respect to the above suggestions, fans, hairdryers and such just blow air and the contained moisture around on the inside of your car. Your car's air conditioning system is essentially a large dehumidifier that removes moisture FROM the car while applying the same air movement.
The OP probably doesn’t want to run the AC in the winter.

This is, however, a case for buying leather seats for the next vehicle.

Lots of great ideas. I’m curious what works for them. Probably best to sit in the back if it can’t be dried out in time if there is room.
The AC can be run with temperature on warm.
by gatorking
Tue Dec 12, 2023 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Considering MaxiFi and New Retirement calculators...
Replies: 16
Views: 2332

Re: Considering MaxiFi and New Retirement calculators...

BigJoeAllen wrote: Tue Dec 12, 2023 12:37 pm All:
Anybody have much experience with either of these two advanced calculators? I am retired now, wife working, and want an advanced program to help optimize our withdrawals from various accounts, consider conversions, etc. I recently have used the Flexible Retirement Planner, but it seems to have changed, and does not offer optimization from withdrawals from differing account types, so just not as useful (seems like it did in past versions). Help!

looking forward to any responses!
Joe
See these conversations:
viewtopic.php?t=411655
viewtopic.php?t=407895
by gatorking
Mon Dec 11, 2023 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Make a Major Career Change in Their Forties?
Replies: 95
Views: 23524

Re: Anyone Make a Major Career Change in Their Forties?

saver1 wrote: Sun Dec 10, 2023 5:53 pm I am not interested in sales at all. So that is not an option for me.
So, how are you going to convince someone to hire you?
I strongly recommend this book https://www.danpink.com/books/to-sell-is-human/
by gatorking
Sun Dec 10, 2023 8:17 am
Forum: Personal Consumer Issues
Topic: Wine - Alcohol-free suggestions?
Replies: 25
Views: 2605

Re: Wine - Alcohol-free suggestions?

Bh1984 wrote: Sun Dec 10, 2023 8:01 am Best brand of non-alcoholic wines to me it's FRE. There Cabernet is really nice and I've actually poured it for others who had no idea it was non-alcoholic until I told them

For those who wonder, why? Some people enjoy the social element and do not want to be questioned by people why aren't you drinking? Believe it or not most people don't respect other people's life choices. I had 3 Christmas parties last week and at each of them I had to explain to someone who I don't drink alcohol.
This conversation is evidence of that.
by gatorking
Fri Dec 08, 2023 11:23 am
Forum: Personal Consumer Issues
Topic: Heat Pump Propaganda?
Replies: 173
Views: 21261

Re: Heat Pump Propaganda?

Heat pump in the NE only makes sense if you have to replace an oil heat system AND you get government credits/rebates to help with cost.
by gatorking
Wed Dec 06, 2023 6:19 am
Forum: Personal Consumer Issues
Topic: Is 2 hours enough to clear customs and make flight in Atlanta?
Replies: 39
Views: 6724

Re: Is 2 hours enough to clear customs and make flight in Atlanta?

diy60 wrote: Tue Dec 05, 2023 8:35 pm 2 hrs should be good. Spouse does not have Global Entry, but I do. We used MPC app (Mobile Passport Control) for reentry to the US last month. You prefill the form and snap a selfie in the app and you will get a QR code. Your family (and selfies) can be on one QR code. The line was a lot shorter than the regular line and pretty fast; of coarse not as fast as GE. Good luck !
This is the way.
by gatorking
Thu Nov 30, 2023 3:32 pm
Forum: Personal Consumer Issues
Topic: Where to Buy Wool Sweaters
Replies: 28
Views: 3184

Re: Where to Buy Wool Sweaters

Uniqlo sweaters were well rated on Wirecutter, for the price.
by gatorking
Wed Nov 29, 2023 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Penn Mutual “Accumulation Builder Choice Indexed Universal Life” policy
Replies: 23
Views: 2210

Re: Penn Mutual “Accumulation Builder Choice Indexed Universal Life” policy

popoki wrote: Tue Nov 28, 2023 6:33 pm I think there was a large amount paid up front, which is why the basis is $127,000. She has $1 million in other term life, and is in 24% federal, 3% state tax bracket.

Another $1,500 is due on December 1 so maybe there isn't time to get an in-force illustration before potentially canceling the policy and avoiding this payment?
Please add the bolded part to the original post.
by gatorking
Tue Nov 28, 2023 8:49 pm
Forum: Investing - Theory, News & General
Topic: Charlie Munger dies at 99
Replies: 63
Views: 13246

Re: Charlie Munger dies at 99

A collection of his quotes, writings etc.
https://fs.blog/intellectual-giants/charlie-munger/
by gatorking
Tue Nov 21, 2023 9:36 am
Forum: Personal Consumer Issues
Topic: Painful spending cuts
Replies: 252
Views: 30767

Re: Painful spending cuts

I am considering enacting some spending cuts to exercise the muscle, and prove to myself that I can do it. This reminds me of the Stoic exercise "Practice Misfortune". “It is in times of security that the spirit should be preparing itself for difficult times; while fortune is bestowing favors on it is then is the time for it to be strengthened against her rebuffs.” — Seneca Seneca, who enjoyed great wealth as the adviser of Nero, suggested that we ought to set aside a certain number of days each month to practice poverty. Take a little food, wear your worst clothes, get away from the comfort of your home and bed. Put yourself face to face with want, he said, you’ll ask yourself “Is this what I used to dread?” from: https://dailys...
by gatorking
Mon Nov 20, 2023 8:15 am
Forum: Personal Consumer Issues
Topic: Painful spending cuts
Replies: 252
Views: 30767

Re: Painful spending cuts

Once in a while we stay at Super 8 or Motel 6 even though we could afford Holiday Inn or Hilton.
by gatorking
Sun Nov 19, 2023 7:05 pm
Forum: Personal Consumer Issues
Topic: Anyone Using Kanopy or Hoopla from their Library for Videos?
Replies: 13
Views: 1790

Re: Anyone Using Kanopy or Hoopla from their Libary for Videos?

I watch "Great Courses" and documentaries, usually on my desktop monitor.
by gatorking
Sat Nov 18, 2023 11:47 am
Forum: Personal Consumer Issues
Topic: ChatGPT just wrote me a POA that is better than the attorney's
Replies: 150
Views: 21097

Re: ChatGPT just wrote me a POA that is better than the attorney's

JPH wrote: Sat Nov 18, 2023 11:30 am Artificial intelligence will never surpass human stupidity.
Love it. I'm shamelessly stealing that.
by gatorking
Wed Nov 15, 2023 9:16 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 7638
Views: 1713044

Re: What Book Are You Currently Reading? Part VI

"Malice: A Mystery", by Keigo Higashino (First published in Japan by Kodansha, 1996; English translation by Minotaur Books, 2014) Higashino is a very successful Japanese mystery/crime novelist who is popular not only in Japan, but also in China and across Asia (see Wikipedia). I have read about one-half of his books and have enjoyed them immensely. Not only does he write cracker jack plots that keep you guessing until the denouement, but the reader gets to enjoy the intriguing cultural differences that come along with the Japanese characters. He really deserves to be more well-known in the States. If you are going to begin reading Higashino, I strongly recommend that you start with "Malice". It's a tightly wound murder ...
by gatorking
Sat Nov 11, 2023 2:31 pm
Forum: Personal Consumer Issues
Topic: Version of The Odyssey for Advanced 4th grader
Replies: 16
Views: 1370

Re: Version of The Odyssey for Advanced 4th grader

I too highly recommend the two books by Rosemary Sutcliffe.
by gatorking
Fri Nov 10, 2023 6:52 am
Forum: Personal Consumer Issues
Topic: spotify premium now gives 15 hr/mo of free audiobooks
Replies: 2
Views: 664

Re: spotify premium now gives 15 hr/mo of free audiobooks

heartwood wrote: Fri Nov 10, 2023 6:38 am I got a banner ad in spotify yesterday as I opened the app. It's rolled out 15 hours a month of audiobooks for Premium subscribers, included in the same price.

https://newsroom.spotify.com/2023-11-08 ... ium-users/

Just as an example I see that Resurrection Walk by Michael Connelly is available from them. It's a several month wait for the audiobook at my several libraries. They advertise that they have over 200,000 offerings.

Seems like a decent feature if you do audiobooks and have spotify premium.
Broken link.
Try this - https://newsroom.spotify.com/2023-11-08 ... ium-users/
by gatorking
Wed Nov 08, 2023 8:38 am
Forum: Personal Consumer Issues
Topic: 07 Subaru Forester Misdiagnosed, Almost Junked at 68,000 Miles
Replies: 101
Views: 13811

Re: 07 Subaru Forester Misdiagnosed, Almost Junked at 68,000 Miles

I hope you gave the dealership a 1 star rating in every forum you could find.
by gatorking
Thu Nov 02, 2023 5:44 pm
Forum: Personal Consumer Issues
Topic: Soundproof home gym in new house
Replies: 74
Views: 5952

Re: Soundproof home gym in new house

Currently we have a home gym in our the garage of our townhome. We are due to close on a new home in about two weeks that has plenty of bedrooms. I would like to move the garage gym into one of the bedrooms so that both our cars can park inside and I won't have to gear up just to work out in the winter. BUT the extra bedroom is right next to our toddlers' bedrooms. We occasionally workout while they are sleeping. So I am trying to determine how much I could soundproof the new gym and I know nothing about soundproofing a room Set up: - We mainly lift. So there is a squat rack and free weights and the noises associated with loading and racking weights - The rack is currently on a platform like this one. https://www.artofmanliness.com/health-...
by gatorking
Tue Oct 31, 2023 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to purchase house from parents
Replies: 38
Views: 4470

Re: Best way to purchase house from parents

I don't see why me just living there and paying them the mortgage each would be a bad alternative to paying for the house outright. They will be living in their other home nearby that is already paid off (worth ~500k). They wouldn't charge me any rent or anything. It's fine. People are being weird. Your giving them the money for the mortgage while living there is going to be looked at as rent, though. So that's rental income for them. But it's not like they're living in that house, since they're in a different one. So they'd either leave it unoccupied or rent it to someone else, right? It's fine. Just rent the house from them by paying the mortgage. You probably want to cover property tax and utilities too. Maybe parents should continue pa...
by gatorking
Wed Oct 25, 2023 11:46 am
Forum: Personal Consumer Issues
Topic: What to buy for 2nd car (purely commute)
Replies: 43
Views: 5113

Re: What to buy for 2nd car (purely commute)

PottedPlant wrote: Wed Oct 25, 2023 5:18 am
MH2 wrote: Wed Oct 25, 2023 3:36 am Short commutes wear out vehicles
Not true for BEVs.
And, you can pre-warm or pre-cool your BEV before driving it.
Please tell me more.