Search found 515 matches

by 1130Super
Fri Aug 28, 2020 5:03 am
Forum: Personal Consumer Issues
Topic: charging an EV
Replies: 250
Views: 14858

Re: charging an EV

Lots of EV misconceptions here. Like mentioned earlier Tesla has by far the best charging network in the US right now. That will probably get challenged in the next 5 years with electrify america and some oil companies getting into the charging station market to offset losses from oil. As for stopp...
by 1130Super
Fri Aug 28, 2020 12:20 am
Forum: Personal Consumer Issues
Topic: charging an EV
Replies: 250
Views: 14858

Re: charging an EV

squirm wrote: Sat Aug 22, 2020 6:18 pm That's why people buy Tesla's. Tesla has charging figured out.
Yeah their third V3 Chargers That are Rolling out will charge 75 miles of range in five minutes
by 1130Super
Thu Aug 27, 2020 8:47 pm
Forum: Investing - Theory, News & General
Topic: Tesla becomes most valuable car company in the world
Replies: 176
Views: 16949

Re: Tesla becomes most valuable car company in the world

My question is how long before Tesla becomes most valuable company in the world
by 1130Super
Thu Aug 27, 2020 10:04 am
Forum: Investing - Theory, News & General
Topic: Vanguard 500 fund price is $321.84 - could there be a "split"?
Replies: 56
Views: 3662

Re: Vanguard 500 fund price is $321.84 - could there be a "split"?

I had wondered this about the ETF version, VOO, which is floating around $320 now. Vanguard as a broker doesn't do ETF fractional shares, though I know Vanguard has been pushing more toward ETFs. A cash turd of $300+ is starting to get significant. So now your emergency fund is $300 larger for a fe...
by 1130Super
Thu Aug 27, 2020 10:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard 500 fund price is $321.84 - could there be a "split"?
Replies: 56
Views: 3662

Re: Vanguard 500 fund price is $321.84 - could there be a "split"?

The concept of fractional shares has probably made splits unnecessary. In the old days, you needed to buy at least 100 shares to avoid higher commissions on a stock purchase. In the age of commission free trades, that’s mostly gone. People just say I’m gonna put 1000 bucks into VFINX and who cares ...
by 1130Super
Wed Aug 26, 2020 2:41 am
Forum: Personal Consumer Issues
Topic: Low Earner... Creative ways to own a Tesla Model 3?
Replies: 101
Views: 7695

Re: Low Earner... Creative ways to own a Tesla Model 3?

Get a used Chevy Bolt - 14k-18k https://www.autotrader.com/cars-for-sale/chevrolet/bolt/sunnyvale-ca-94088?dma=&searchRadius=500&marketExtension=off&isNewSearch=true&showAccelerateBanner=false&sortBy=derivedpriceASC&numRecords=25 I have a used 2015 Nissan leaf - it has been great. The longer range ...
by 1130Super
Wed Aug 26, 2020 2:38 am
Forum: Personal Consumer Issues
Topic: Low Earner... Creative ways to own a Tesla Model 3?
Replies: 101
Views: 7695

Re: Low Earner... Creative ways to own a Tesla Model 3?

Buy one and Rent it on Turo, its creative although it has some risks and pitfalls but then again you can’t be creative without taking risk. Boggle head community isn’t very keen on being creative.
by 1130Super
Mon Aug 24, 2020 11:28 pm
Forum: Personal Consumer Issues
Topic: What is your base charge for electric? I have an $42 electric access fee.
Replies: 52
Views: 2647

Re: What is your base charge for electric? I have an $42 electric access fee.

Pu239 wrote: Mon Aug 24, 2020 10:28 pm OP - are you with Xcel Energy? We pay a little over $5 for our base fee here in Colorado. The all-in cost works out to be between $0.11 to $0.12/Kwh.
Are used to to be with Xcel, now I’m with a co-op it’s a rural area.
by 1130Super
Mon Aug 24, 2020 2:15 pm
Forum: Personal Consumer Issues
Topic: What is your base charge for electric? I have an $42 electric access fee.
Replies: 52
Views: 2647

What is your base charge for electric? I have an $42 electric access fee.

My minimum charge for electric is $42,that’s the base charge. I was shocked to find that on first bill, as my old electric bill had a $8.50 base charge. I have confirmed that this is not a one time setup fee, and this will be the monthly fee before the cost of electricity. New house also has electri...
by 1130Super
Tue Aug 18, 2020 8:31 pm
Forum: Non-US Investing
Topic: Greater leverage than x3 and Jim Simons ?
Replies: 47
Views: 2581

Re: Is it possible to achieve a greather leverage than x3 ?

000 wrote: Tue Aug 18, 2020 5:27 pm
SteelyEyed wrote: Tue Aug 18, 2020 5:25 pm You could take a cash-out refinance at 3% and buy 3X ETFs. Even better, put the loan proceeds into a margin account, borrow as much as possible, and then buy 3X ETFs.
You forgot borrowing from family and friends. :twisted:
And CC’s
by 1130Super
Mon Aug 17, 2020 12:53 pm
Forum: Personal Investments
Topic: Talk me out of Covid 19 timing
Replies: 119
Views: 8080

Re: Talk me out of Covid 19 timing

Talk me out of taking all my tax deferred equities and moving them into bonds soon to avoid what I see as a very likely big spike in coronavirus this fall and severe economic hit. If I am 65/35 now and moving my tax deferred equities into bonds would change my balance to about 40/60. Early 50’s wit...
by 1130Super
Mon Aug 17, 2020 4:57 am
Forum: Personal Investments
Topic: Roth vs. Traditional - Agnostic to Retirement Income
Replies: 18
Views: 1392

Re: Roth vs. Traditional - Agnostic to Retirement Income

I'm assuming my marginal rate in retirement (30+ years off) is likely to be over 12%. I say that because 12% just strikes me as a low marginal rate. For example, I don't have the same sense that I'll exceed 22%. Could be true. If you expect to have over $500K (in today's dollars) in traditional acc...
by 1130Super
Sat Aug 15, 2020 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Loan from IRA or 401 K to buy primary home
Replies: 9
Views: 363

Re: Loan from IRA or 401 K to buy primary home

I don’t believe IRA loans exist
by 1130Super
Thu Aug 06, 2020 10:09 am
Forum: Personal Investments
Topic: Any reason to go Roth over traditional even if staying in 22% tax bracket?
Replies: 52
Views: 2019

Re: Any reason to go Roth over traditional even if staying in 22% tax bracket?

JB2013 wrote: Thu Aug 06, 2020 10:04 am
1130Super wrote: Thu Aug 06, 2020 10:01 am Under current law tax rates go up in 2026
Does that imply I'm better off going traditional now then?
It could, but what is your expected tax rate in retirement 15% or 25%? Also Social Security is taxed differently based on your income in retirement.
by 1130Super
Thu Jul 30, 2020 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Mother-in-law stimulus check not received
Replies: 11
Views: 934

Re: Mother-in-law stimulus check not received

Does she have Social Security Number, or Tax identification number?
by 1130Super
Thu Jul 23, 2020 12:40 pm
Forum: Personal Consumer Issues
Topic: Mosquitos! Mosquitos! Mosquitos!
Replies: 124
Views: 9131

Re: Mosquitos! Mosquitos! Mosquitos!

I ordered a (Mosquito Magnet) off of Amazon works wonders, dropped mosquitos by about 90% in my yard within 2 weeks Or your yard and environs dried up in that two weeks and that was the end of the mosquitos Isn't it rather interesting that this summer there has been no outcry about the Zika virus? ...
by 1130Super
Thu Jul 23, 2020 12:30 am
Forum: Investing - Theory, News & General
Topic: Tesla becomes most valuable car company in the world
Replies: 176
Views: 16949

Re: Tesla becomes most valuable car company in the world

Tesla isn’t only a car manufacturer. They also sell their cars directly so thart are also a dealer. They also sell and distribute a portion of the energy the cars use. They even sell insurance in California. So think of it this way FORD + All FORD dealerships + EXXON + FUEL Station + Allstate. Peopl...
by 1130Super
Thu Jul 23, 2020 12:22 am
Forum: Personal Consumer Issues
Topic: Mosquitos! Mosquitos! Mosquitos!
Replies: 124
Views: 9131

Re: Mosquitos! Mosquitos! Mosquitos!

I ordered a (Mosquito Magnet) off of Amazon works wonders, dropped mosquitos by about 90% in my yard within 2 weeks
by 1130Super
Wed Jun 24, 2020 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Odds we see 30 year mortgages at 2.0%
Replies: 14
Views: 2550

Odds we see 30 year mortgages at 2.0%

What would it take for 2.0% 30 year mortgage.
by 1130Super
Tue Jun 23, 2020 10:27 am
Forum: Personal Investments
Topic: VIOO vs. IJR
Replies: 22
Views: 3224

Re: VIOO vs. IJR

I am currently comparing these same two ETFs, and the dividend thing caught my eye. Also, I am trying to figure out if they are weighted differently because if you look at the top ten holdings of IJR vs. VIOO they are not in the same order. Also there turnover rate is different, which if they are p...
by 1130Super
Sat Jun 20, 2020 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Need advice for second mortgage for home renovation
Replies: 13
Views: 430

Re: Need advice for second mortgage for home renovation

I would just do a cash out refi on a 15 year mortgage rates are going to be lower that 3%
by 1130Super
Sat Jun 20, 2020 2:23 am
Forum: Personal Investments
Topic: Susie Orman Says You are Crazy to be Investing in Bonds
Replies: 173
Views: 17618

Re: Susie Orman Says You are Crazy to be Investing in Bonds

I agree, I’d rather have some extra cash and a more aggressive portfolio then term bond rates under 4%
by 1130Super
Fri Jun 19, 2020 11:09 am
Forum: Personal Investments
Topic: How often to contribute to Roth?
Replies: 38
Views: 1874

Re: How often to contribute to Roth?

I find it easier to do contributions after I’ve almost finished taxes and figured out my tax bracket and figure out exactly what and if I can do deductible TIRA contributions. I save in a taxable and have ability to withdraw what I can put in IRA’s
by 1130Super
Fri Jun 19, 2020 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Planning for future home - overextending?
Replies: 19
Views: 1530

Re: Planning for future home - overextending?

I’m in a similar situation, 2 year old and another on the way congrats. Was the 350k based on today’s price or 5 years from now? In 5 years that $350k house might cost $450k. Im concerned that your $700 a month is actually only keeping pace or even falling further behind with the difference in poten...
by 1130Super
Fri Jun 19, 2020 9:05 am
Forum: Personal Investments
Topic: Susie Orman Says You are Crazy to be Investing in Bonds
Replies: 173
Views: 17618

Re: Susie Orman Says You are Crazy to be Investing in Bonds

She specifically outlined long term bonds,
by 1130Super
Thu Jun 18, 2020 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Graph of how SS benefits can change with decreases in 2020 national wages for one born in 1960
Replies: 89
Views: 7110

Re: Graph of how SS benefits can change with decreases in 2020 national wages for one born in 1960

Link below to an Excel spreadsheet that does the calculations and allows you to fiddle with the appropriate numbers. No guarantees but it looks correct to me. It matches my anyPIA32 results within 10 cents, until I fiddle with the AWI numbers for 2019 and 2020. Pretty disheartening to see the affec...
by 1130Super
Thu Jun 18, 2020 6:50 pm
Forum: Personal Investments
Topic: Business Owner taking Social Security early
Replies: 4
Views: 539

Re: Business Owner taking Social Security early

The wage index is estimated to drop about 16% for 2020 vs 2019
by 1130Super
Thu Jun 18, 2020 6:45 pm
Forum: Investing - Theory, News & General
Topic: Private Equity Gets a Big Win With U.S. Nod to Tap 401(k) Plans
Replies: 65
Views: 5337

Re: 401k and private equity? What does it mean for us?

Wouldn’t a % of private equity mean more diversity as you would have a slice of stuff that isn’t gone public yet
by 1130Super
Thu Jun 18, 2020 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: GS drops yield on savings account again
Replies: 21
Views: 1591

Re: GS drops yield on savings account again

GS/Marcus sent out another inane email about how their savings account yields are still among the best anywhere blah blah, "but" (drum roll) they are dropping the yield on their (sic) high yield savings account. That make two drops in a very short period of time. However, home refi to the rescue. B...
by 1130Super
Thu Jun 18, 2020 4:46 pm
Forum: Personal Investments
Topic: Business Owner taking Social Security early
Replies: 4
Views: 539

Re: Business Owner taking Social Security early

Since you turn 60 this year part of the calculations for determining your Soc Sec are based on average W-2 wages for all workers in the year you turn 60. Remember there is going to be a substantial decrease in W-2 wages this year because of lay-offs. Unfortunately unemployment benefits are not W-2. ...
by 1130Super
Thu Jun 18, 2020 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Would you rent your house to a famous athlete?
Replies: 104
Views: 8136

Re: Would you rent your house to a famous athlete?

I’m appalled at the amount of people on this forum that think it’s okay to not rent to someone based on age and the fact of not being married. What’s next not renting to someone if they have kids. It is most likely illegal to not rent to someone on these standards.
by 1130Super
Wed Jun 17, 2020 11:49 pm
Forum: Personal Consumer Issues
Topic: Should I buy this tractor for new home on 15 acres, (approx 1 acre of grass and almost 1 acre potential garden)
Replies: 39
Views: 2528

Re: Should I buy this tractor for new home on 15 acres, (approx 1 acre of grass and almost 1 acre potential garden)

Personally, I'd buy a zero turn and then pay someone to till the garden the first year. If this is your first time on acerage it'll probably take a few months getting confident on the property with maintenance, etc. and reliable equipment is very important in that aspect. Also, even a 1/4 acre gard...
by 1130Super
Wed Jun 17, 2020 7:17 pm
Forum: Personal Consumer Issues
Topic: Should I buy this tractor for new home on 15 acres, (approx 1 acre of grass and almost 1 acre potential garden)
Replies: 39
Views: 2528

Re: Should I buy this tractor for new home on 15 acres, (approx 1 acre of grass and almost 1 acre potential garden)

I probably should have clarified better although I have about an acre I could till and make a giant garden I probably would start off small next year 1/4 acre or less see how it goes, either way I think this is a cool setup
by 1130Super
Wed Jun 17, 2020 4:28 pm
Forum: Personal Consumer Issues
Topic: Should I buy this tractor for new home on 15 acres, (approx 1 acre of grass and almost 1 acre potential garden)
Replies: 39
Views: 2528

Re: Should I buy this tractor for new home on 15 acres, (approx 1 acre of grass and almost 1 acre potential garden)

A disadvantage of the snowplow on the tractor is that you are plowing backwards. Be very careful if snowplowing where there are deep ditches. It is easy to turn the wrong way when backing up, so you could drop a back wheel into the ditch. Tractors are somewhat top heavy, and you would not want to f...
by 1130Super
Wed Jun 17, 2020 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Too Much Retirement/Not Enough for House?
Replies: 127
Views: 13454

Re: Too Much Retirement/Not Enough for House?

Why can’t 192k cover down payment on 800k home
You don’t need to raid 529 or 401k
by 1130Super
Wed Jun 17, 2020 11:43 am
Forum: Personal Consumer Issues
Topic: Should I buy this tractor for new home on 15 acres, (approx 1 acre of grass and almost 1 acre potential garden)
Replies: 39
Views: 2528

Should I buy this tractor for new home on 15 acres, (approx 1 acre of grass and almost 1 acre potential garden)

https://external-content.duckduckgo.com/iu/?u=https%3A%2F%2Ftse1.mm.bing.net%2Fth%3Fid%3DOIP.fHEkklEZMDNXw7cunLgcggHaFj%26pid%3DApi&f=1 $3000 1966 CASE 190 it comes with 48” mowing deck, 48”snow blower, and 48” tiller everything seems to work. Alternatively I could get a plow attachment for my truc...
by 1130Super
Tue Jun 16, 2020 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Would you rent your house to a famous athlete?
Replies: 104
Views: 8136

Re: Would you rent your house to a famous athlete?

... Our agent just informed us a famous athlete is interested in renting our house. My concern is the individual is young and single. More than likely would have parties at the house. A family could also cause damage but clearly the concern is greater here Unfair and inappropriate assumptions and s...
by 1130Super
Tue Jun 16, 2020 6:36 pm
Forum: Personal Investments
Topic: Using credit cards for leverage (no, seriously)
Replies: 53
Views: 4015

Re: Using credit cards for leverage (no, seriously)

It's certainly possible - credit card arbitrage via sign up bonuses or regular manufactured spend. It's been my wife's career for the last 6-7 years and has served us well. Google the MS term for more info or ask away. I have done this quite a lot during my life, but many of the loopholes have been...
by 1130Super
Tue Jun 16, 2020 4:43 pm
Forum: Personal Consumer Issues
Topic: Tipping why % of bill and not flat amount?
Replies: 159
Views: 9399

Re: Tipping why % of bill and not flat amount?

Was in California restaurant had mandatory 18% Gratuity, and waiter was a little annoyed that I wanted my change back. Bill was like $73 and I paid with 4 $20 bills
by 1130Super
Tue Jun 16, 2020 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Would you rent your house to a famous athlete?
Replies: 104
Views: 8136

Re: Would you rent your house to a famous athlete?

When he signs the paperwork slip in some memorabilia to sign.
by 1130Super
Tue Jun 16, 2020 10:41 am
Forum: Personal Investments
Topic: What to invest in to make 3 or 4 percent?
Replies: 23
Views: 2601

Re: What to invest in to make 3 or 4 percent?

High yield bonds if willing to take a little risk True. That and long term corporates get in the ballpark, but for this saver (not investor) I doubt the risk would be called small. A loss of 20% in any given year is possible. Nor is the yield guaranteed. What about Short term high yield bond fund? ...
by 1130Super
Tue Jun 16, 2020 8:16 am
Forum: Personal Investments
Topic: What to invest in to make 3 or 4 percent?
Replies: 23
Views: 2601

Re: What to invest in to make 3 or 4 percent?

High yield bonds if willing to take a little risk
by 1130Super
Mon Jun 15, 2020 4:27 pm
Forum: Investing - Theory, News & General
Topic: Best ETF or mutual fund that doesn’t pay dividends or distributions?
Replies: 24
Views: 1418

Re: Best ETF or mutual fund that doesn’t pay dividends or distributions?

I've never explored M1 Finance, but it seems like you might be able to build your own pie that includes the companies you prefer. This general notion is often mentioned by M1 users, isn't it? Regards, I could do this also through micro slices (I think) at Schwab. Haven't explored that yet. The trad...
by 1130Super
Mon Jun 15, 2020 1:27 pm
Forum: Investing - Theory, News & General
Topic: Best ETF or mutual fund that doesn’t pay dividends or distributions?
Replies: 24
Views: 1418

Re: Best ETF or mutual fund that doesn’t pay dividends or distributions?

It's fine to recommend buying dividend paying investments in tax advantaged accounts. But what is the recommendation for taxable? I'm another one who is looking for companies who don't pay dividends like BRK/b but would love to find a MF or ETF that contains only non-dividend paying companies witho...
by 1130Super
Mon Jun 15, 2020 12:19 pm
Forum: Investing - Theory, News & General
Topic: Best ETF or mutual fund that doesn’t pay dividends or distributions?
Replies: 24
Views: 1418

Best ETF or mutual fund that doesn’t pay dividends or distributions?

Looking for an ETF or mutual fund of non dividend paying companies that would be a good candidate for a taxable account and wouldn’t have any tax drag. There are about 80 companies in the S&P 500 that don’t have a dividend. Otherwise the best I could figure would be BRK.B as it’s a fairly diversifie...
by 1130Super
Sun Jun 14, 2020 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Conventional Mortgage for 2nd Residence
Replies: 10
Views: 840

Re: Conventional Mortgage for 2nd Residence

My wife is planning to take a fellowship 75 miles from our house which is in the college our kids are likely to attend. In an ideal situation we could buy a house there, and then use it for the kids going to college in 3-11 years from now. What happens if your kids don’t go to this college? It soun...
by 1130Super
Sat Jun 13, 2020 10:30 am
Forum: Personal Consumer Issues
Topic: heated driveway?
Replies: 91
Views: 4661

Re: heated driveway?

A heated driveway works. I had a friend who bought a home with a heated driveway only he didn't know that. His electric bills were ENORMOUS and he couldn't figure it out. Eventually, he found out the driveway heater had not been turned off for many months into the warmer weather. Such a system woul...
by 1130Super
Sat Jun 13, 2020 10:27 am
Forum: Personal Investments
Topic: Young investors and bonds
Replies: 94
Views: 5165

Re: Young investors and bonds

No. There have been periods where bonds did well when interest rates declined. Unless interest rates go negative, it’s almost mathematically impossible for interest rates to be much lower than they are right now. oldfort, 1) And, unless you can predict the future, how do you know that the interest ...