Search found 1306 matches

by harikaried
Tue Mar 31, 2020 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 32332

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

https://home.treasury.gov/system/files/136/PPP--Fact-Sheet.pdf https://www.sba.gov/about-sba/sba-newsroom/press-releases-media-advisories/349-billion-emergency-small-business-capital-cleared-sba-and-treasury-begin-unprecedented-public Looks like small businesses and sole proprietors can apply for Pa...
by harikaried
Sun Mar 29, 2020 3:20 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 32332

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

For self-employed / sole-proprietors / single-member LLC with no employees, would generally calculating a monthly 1099-MISC income then multiply by 2.5x get the maximum loan amount? E.g., 2019 1099-MISC box 7 Nonemployee compensation of $60k should mean a loan -> grant of $12.5k? How does this then ...
by harikaried
Wed Mar 18, 2020 1:10 pm
Forum: Personal Investments
Topic: My bonehead move may make you feel better about your situation
Replies: 16
Views: 3221

Re: My bonehead move may make you feel better about your situation

The trader called me back and said the volume was so large they couldn't process it quickly even though it had gone through 15 minutes earlier. People have suggested high volume and small spread are good for TLH, but I guess too high might be bad as well. Do people have good volume thresholds of wh...
by harikaried
Thu Mar 12, 2020 6:08 pm
Forum: Personal Investments
Topic: Running out of TLH Partners!
Replies: 13
Views: 824

Re: Running out of TLH Partners!

Do we know if SPY/VOO/IVV trigger wash sales? Or any of the total market ETFs? I definitely would not do that transaction. The issue with the 3 tickers that you listed is that they all track the S&P 500. Yes definitely getting closer to questionable territory, but on the other hand, today's behavio...
by harikaried
Wed Mar 11, 2020 3:26 pm
Forum: Personal Investments
Topic: Wash Sale - Sell in both brokerage accounts?
Replies: 6
Views: 311

Re: Wash Sale - Sell in both brokerage accounts?

A wash sale is not the end of the world, and selling a "temporary" wash sale will likely get what you're actually wanting to do as well. https://www.bogleheads.org/wiki/Wash_sale#Consequences For example, if you only sold all your ETrade VTI today, at tax reporting time, you would need to assign som...
by harikaried
Wed Mar 11, 2020 1:19 pm
Forum: Personal Investments
Topic: How best to TLH ETFs at Fidelity
Replies: 11
Views: 488

Re: How best to TLH ETFs at Fidelity

You have to be careful with good faith trading violations. You cannot TLH between different ETFs multiple times in a 2 day span in a cash brokerage account because the funds for the first sell needs to "settle". Well… :wink: technically at Fidelity, you can do this 2 times in a 12 month period befo...
by harikaried
Wed Mar 11, 2020 12:40 pm
Forum: Personal Investments
Topic: How best to TLH ETFs at Fidelity
Replies: 11
Views: 488

Re: How best to TLH ETFs at Fidelity

When your Sell order is fulfilled, it will show up immediately as "Cash Available to Trade," so you can then immediately place a Buy order. But yes, it's a two step process that you probably should pay some attention to when you trade (e.g., bid/ask spread), and if you care about investing the exact...
by harikaried
Tue Mar 10, 2020 12:49 pm
Forum: Personal Investments
Topic: What Can I Tax Loss Harvest Vanguard International and Vanguard Emerging Market into Without Violating Wash Rules?
Replies: 11
Views: 551

Re: What Can I Tax Loss Harvest Vanguard International and Vanguard Emerging Market into Without Violating Wash Rules?

The table here suggests VTIAX/VXUS <-> IXUS and VEMAX/VWO <-> EEM/IEMG: https://www.bogleheads.org/wiki/Tax_loss_harvesting#Substitute_funds Not sure if you also considered simplifying your international with emerging market tilt to just be international, e.g., sell VTIAX and VEMAX and only buy IXUS...
by harikaried
Tue Feb 25, 2020 10:29 am
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 217
Views: 20561

Re: Tesla Model Y

I want AWD, long range, loaded car, but Performance is not a must-have. Looks like with the range update last month, both AWD and Performance are now rated for 315 miles. If you want the Model Y sooner as in less than a month from now, it looks like people who ordered Performance (with 19" wheels -...
by harikaried
Wed Feb 19, 2020 3:07 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80558

Re: Talk me out of buying a Tesla Model 3

Anyone know what Consumer Reports is talking about for "Long Range mode" for a Model 3? Tesla Ups Ante on Model Y Range, Underscoring Its EV Lead: Tesla is facing increasing competition, but its batteries and superior energy efficiency give it an edge https://www.consumerreports.org/hybrids-evs/tesl...
by harikaried
Mon Feb 10, 2020 4:27 pm
Forum: Investing - Theory, News & General
Topic: Fidelity business model. I don’t understand.
Replies: 82
Views: 8654

Re: Fidelity business model. I don’t understand.

How does one minimize the value that brokerages earn from your account (so that you earn that value instead)? Or specifically for net interest, is it that brokerages are effectively pooling the uninvested cash across many clients that one cannot do individually? E.g., across many clients, the net ca...
by harikaried
Tue Feb 04, 2020 7:29 pm
Forum: Investing - Theory, News & General
Topic: Tesla Stock
Replies: 301
Views: 16104

Re: Tesla Stock

Tesla high today was $968.99 for a market cap of $174.7B. Here's how it settled today near the other companies nearby: https://www.dogsofthedow.com/largest-companies-by-market-cap.htm Toyota 33 196.2 Boeing 34 179.0 Adobe 35 176.8 (Tesla high 174.7) Oracle 36 173.3 China Mobile 37 170.3 Salesforce 3...
by harikaried
Tue Feb 04, 2020 4:31 pm
Forum: Investing - Theory, News & General
Topic: Tesla Stock
Replies: 301
Views: 16104

Re: Tesla Stock

Tesla likes to stress their customers don't have to buy thousands in gas. However they won't state that your electric bill will jump a lot. Our Model 3 has almost 25k miles on it that otherwise would have been driven on our Forester using up 1000 gallons costing about $3000. So you're right that ou...
by harikaried
Mon Feb 03, 2020 8:21 pm
Forum: Investing - Theory, News & General
Topic: Tesla Stock
Replies: 301
Views: 16104

Re: Tesla Stock

S&P 500 investors will be forced bagholders of Tesla Assuming Tesla maintains its current $140B market cap, that would put it in the top 50 giving it some decent weight in the index. With the stock volatility, it's anybody's guess where the market cap will be if/when they get 4 consecutive quarters...
by harikaried
Mon Feb 03, 2020 8:01 pm
Forum: Investing - Theory, News & General
Topic: Tesla Stock
Replies: 301
Views: 16104

Re: Tesla Stock

Not having to support the old stuff that all the other car companies have to do is a huge benefit. This is true of a lot of young companies in old industries. Unclear if that totally applies here. The Third Row Podcast recently had a mention of why it's so hard for new entrants to the automobile in...
by harikaried
Wed Jan 29, 2020 6:05 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 217
Views: 20561

Re: Tesla Model Y

Looks like deliveries will start in March and range has increased from 280 miles to 315 miles. No more 18" wheels and instead 19" included. Seven seat interior option isn't even selectable anymore and still shows "2021." Also AWD is the only option available to order for now.
by harikaried
Fri Jan 24, 2020 5:19 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 217
Views: 20561

Re: Tesla Model Y

How is the fit and finish of your 3? We replaced a Camry with the Model 3 summer 2018 and will replace the Forester with a Model Y hopefully summer this year. I guess both will be relatively early production builds, so I guess we'll be able to compare how quality has changed in 2 years. But even th...
by harikaried
Thu Jan 16, 2020 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: 10/1 ARM vs Fixed
Replies: 6
Views: 506

Re: 10/1 ARM vs Fixed

has a 1/4 pt credit If you're willing to ask the lenders more questions, you can try to figure out how much they're willing to give for points and rates. It's been several years, and we were looking at much smaller mortgage amounts then, but some lenders gave up to 1 (negative) point of credit for ...
by harikaried
Thu Jan 16, 2020 5:36 pm
Forum: Personal Investments
Topic: Debt payoff
Replies: 102
Views: 6491

Re: Debt payoff

also maxing out my Roth. She’ll begin to max out her Roth in 3 years I just payed off my remaining student loan balances and maxed out my Roth for 2019. I will auto pay $500 each pay period starting for 2020 contribution. Curious, why not also start maxing out her Roth for 2019 and all current/futu...
by harikaried
Thu Jan 16, 2020 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: IRS 2020 W4 withholding: new calculation method, new form
Replies: 82
Views: 6745

Re: IRS 2020 W4 withholding: new calculation method, new form

Does anyone else think that $2,000 in line 3 or line 4b would approximate 1 allowance? The 2020 W-4 assumes a baseline of 3 allowances for married or 2 allowances for single. Here's some examples: Old Single 0 allowance = New Single 4a $8600 Old Single 1 allowance = New Single 4a $4300 Old Single 2...
by harikaried
Wed Jan 15, 2020 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: IRS 2020 W4 withholding: new calculation method, new form
Replies: 82
Views: 6745

Re: IRS 2020 W4 withholding: new calculation method, new form

https://www.irs.gov/pub/irs-pdf/p15t.pdf The details are laid out in Worksheet 1 on p. 5 together with the table on p. 6. Thanks. This basically looks like a shortened 1040 in a different order. The numbers in step 4a and 4b adjust your pre-tax "1040 taxable income" up or down. Step 4c increases "1...
by harikaried
Wed Jan 15, 2020 4:43 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80558

Re: Talk me out of buying a Tesla Model 3

Level 2 charging current is no more than 40A. The model 3-LR can charge up to 48 amps which requires a 60 amp circuit for max speed. I believe the confusion here is that the "dedicated" Tesla Wall Connector can charge up to 48A requiring 60A circuit (limited to 80% of max) while the original "gener...
by harikaried
Wed Jan 15, 2020 11:35 am
Forum: Personal Finance (Not Investing)
Topic: IRS 2020 W4 withholding: new calculation method, new form
Replies: 82
Views: 6745

Re: IRS 2020 W4 withholding: new calculation method, new form

Just got the first paycheck of 2020, and it withheld 13.9% of taxable wages while the last paycheck of 2019 withheld 16.1% of taxable wages. I just submitted a 2020 W4 to see how it'll change. Although the difference might be related to how 401k contributions are a good portion of earlier paychecks ...
by harikaried
Mon Jan 13, 2020 6:04 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80558

Re: Talk me out of buying a Tesla Model 3

You people are missing out on a key reason the Tesla is so expensive. The NUMBER of batteries. A Tesla Model 3 Long Range has 4416 individual cell batteries!!!! … So the simple electric motor ends up not being a big factor in cost or reliability. Not sure why you consider the battery pack complex b...
by harikaried
Fri Jan 10, 2020 8:24 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80558

Re: Talk me out of buying a Tesla Model 3

Swung by the most convenient gas station for me I think I got tricked by Costco! Making me rethink its convenience and our membership now… :wink: Needed to top off the Forester to drive up the mountains tomorrow for ski, and I was stopping by Costco to get some stuff anyway. The Costco gas station ...
by harikaried
Tue Jan 07, 2020 1:23 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80558

Re: Talk me out of buying a Tesla Model 3

If you are driving across Canada, that line is still being built, and Texas supercharger spots I hear are not as pervasive. Whereas, I'm driving up/down Highway 5, so its pretty well built built out for us here on the coasts. The superchargers on the Trans-Canada Highway just opened up with 30 new ...
by harikaried
Sun Jan 05, 2020 3:02 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80558

Re: Talk me out of buying a Tesla Model 3

most days under 20-30 miles. Do I even need 240v charging at home? Is 120 adequate? We charged on a regular 120v outlet for over a year with a daily commute around 25 miles, and it was fine. There was some extra mental space needed to plan ahead to get a few more miles before a weekend trip, and th...
by harikaried
Tue Dec 31, 2019 6:50 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80558

Re: Talk me out of buying a Tesla Model 3

For those considering Performance, Doug DeMuro might have some useful perspective (over 300 million views for his videos including "Here's Why the Bugatti Chiron Is Worth $3 Million" and "Here's Why the McLaren F1 Is the Greatest Car Ever Made") Model 3 Performance - Best 2019 Vehicle Award https://...
by harikaried
Tue Dec 31, 2019 1:42 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80558

Re: Talk me out of buying a Tesla Model 3

I'll be the first to admit that at the beginning of this year, I thought Tesla would be toast by now. BH DanMahoney also thought so, and had a successful short position for a while. Uh oh! Just like last year leading to these types of predictions, looks like Tesla has their CEO and volunteers helpi...
by harikaried
Sun Dec 29, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80558

Re: Talk me out of buying a Tesla Model 3

During the time I was at the dealer, I saw no other customers. With a year end sales push, tax deduction expiring, large inventory on the lot I would expect to see quite the flurry of activity as owners come in and cars go out. Yeah strange that your location was that way. I briefly stopped by the ...
by harikaried
Fri Dec 27, 2019 7:27 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80558

Re: Talk me out of buying a Tesla Model 3

It sounds like your starting point was the desire for an electric vehicle. The hook for me is the claim of "performance of a BMW at 70% of the cost" And for us we weren't really interested in electric or performance. (Our car is almost always in "Chill" mode.) Instead we were interested in technolo...
by harikaried
Fri Dec 27, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80558

Re: Talk me out of buying a Tesla Model 3

Did you buy it having never driven a Tesla, or having never seen the inside of one? We placed the order for our Model 3 without driving one first, but between ordering and final purchase, we did drive a friend's Model 3. Sounds like you know some people who have one, so that might be one option to ...
by harikaried
Thu Dec 26, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80558

Re: Talk me out of buying a Tesla Model 3

said that we had "arrived at a very bad time for them" (1:20 pm) I would assume the "bad time" was referring to the last couple weeks of the quarter and not so much time of day. Elon Musk sent a message a few weeks ago to staff emphasizing the top priority is getting deliveries to customers before ...
by harikaried
Tue Dec 24, 2019 6:12 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80558

Re: Talk me out of buying a Tesla Model 3

I bought the car. It's a done deal. FWIW, compromised and went with the non-Performance Long Range AWD model. Cost was about ~$13K less than if I'd ordered the full blown Performance version. I have zero regrets. -OP investor997, since you were considering the performance version, did you end up ge...
by harikaried
Tue Dec 17, 2019 6:38 pm
Forum: Personal Consumer Issues
Topic: New baby: Should I purchase new car? Tesla?
Replies: 39
Views: 2860

Re: New baby: Should I purchase new car? Tesla?

I don't know how common the (optional) Air Suspension is The option went away in 2016 (became included), and from what I can find on https://ev-cpo.com/ *all* Model X listed (used or new) have Air Suspension where older vehicles have "Smart Air Suspension" and newer vehicles have "Adaptive Air Susp...
by harikaried
Sat Dec 14, 2019 1:19 am
Forum: Personal Consumer Issues
Topic: New baby: Should I purchase new car? Tesla?
Replies: 39
Views: 2860

Re: New baby: Should I purchase new car? Tesla?

Vehicle 1: 2016 Mitsubishi Outlander 2WD with snow tires, 7 seater Vehicle 2: 2009 Ford Escape Hybrid AWD with snow tires, 5 seater I just got permission to get my dream car, a Tesla Model X These videos of 4x4 tests on rollers might be informative even if they don't quite match up to your vehicles...
by harikaried
Mon Dec 02, 2019 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 28328

Re: H&R BLOCK Pre-Order 2019 Software Offer

Premium (+1 state) - $32.49 For reference, last year we got Premium (with 5% amazon refund bonus) for $32.50 on November 23rd (Black Friday). So this is quite similar. We went with Deluxe this year for $14.97 as our tax situation hasn't changed much and there's less uncertainty with the tax changes...
by harikaried
Mon Dec 02, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: [Tesla truck]
Replies: 170
Views: 12800

Re: [Tesla truck]

I think it looks great, but it also looks enormous. Where is a city dweller supposed to park this thing? In the suburbs. Edit: the same place city dwellers are supposed to park their cars We're out in the suburbs and wouldn't get this truck or any truck for the same reason: it wouldn't fit in our g...
by harikaried
Fri Nov 29, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: [Tesla truck]
Replies: 170
Views: 12800

Re: [Tesla truck]

If the specs and pricing are not fantasyland, it would be the best value in the full-size truck segment by a mile. Indeed! People buy vehicles for various reasons, but most likely the price and value have the most impact. We got a Tesla not really for the acceleration (we keep it almost always on "...
by harikaried
Fri Nov 29, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 28328

Re: H&R BLOCK Pre-Order 2019 Software Offer

I found previous years had files located in /Users/Shared/H&R Block/<year> and the 2019 directory had different permissions from the other years, so I modified it to match and now it works and imported information from last year fine. (From "drwxr-xr-x" to "drwxrwxrwx" although somewhat concerning t...
by harikaried
Fri Nov 29, 2019 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 28328

Re: H&R BLOCK Pre-Order 2019 Software Offer

Is anyone using a mac and able to open the H&R Block installed from Amazon? After accepting the terms and condition then privacy policy, the program crashes.
by harikaried
Wed Sep 18, 2019 12:34 am
Forum: Personal Consumer Issues
Topic: Used Tesla S or new Tesla 3?
Replies: 40
Views: 3786

Re: Used Tesla S or new Tesla 3?

We've decided to go with the new 3, but will do in in a month If it's convenient to stop by a Tesla showroom soon, it might be a worthwhile visit and purchase before the end of this month even before finishing up the expensive hobby: https://electrek.co/2019/09/13/tesla-discounts-free-supercharging...
by harikaried
Mon Sep 16, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: Used Tesla S or new Tesla 3?
Replies: 40
Views: 3786

Re: Used Tesla S or new Tesla 3?

I drove a 3 and it was glorious, so I'm inclined to go with that. Cheaper and newer. But not sure if I'm really missing out on something with not going for the S. We don't have a S, but in general, the 3 is newer and is Tesla's main focus right now as they make way more Model 3s than other models. ...
by harikaried
Thu Sep 12, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: Solar Install w/ SolarCity
Replies: 65
Views: 6179

Re: Solar Install w/ SolarCity

just wondering what the benefit is to having Tesla powerwall or any batteries in a state with full net metering Yeah, we've been wondering the same now that we're looking at sizing up how much solar to buy -- although we have the option of switching to Time of Use + Net Metering billing where summe...
by harikaried
Thu Jul 25, 2019 11:43 am
Forum: Personal Consumer Issues
Topic: Has anyone seen the documentary "Playing with FIRE?"
Replies: 216
Views: 21883

Re: Has anyone seen the documentary "Playing with FIRE?"

As someone who hasn't looked at much detail in FIRE: just watched it, and immediate reaction: kinda like following some bogleheads posts but in a movie format and seeing more of their reactions. They do cover quite a bit of high level and some details of saving, investing, prioritizing, and other as...
by harikaried
Tue May 28, 2019 9:42 pm
Forum: Investing - Theory, News & General
Topic: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?
Replies: 39
Views: 2298

Re: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?

The only difference between these two is that if you borrow from your 401k, you are forced to make a $200 after tax contribution to your 401k. That's a real cost The real cost of the extra $200 "interest" is the additional income tax when withdrawing these "gains," so assuming 10% income tax, you e...
by harikaried
Mon May 27, 2019 9:29 pm
Forum: Investing - Theory, News & General
Topic: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?
Replies: 39
Views: 2298

Re: Paying back loan to 401(k): Let it happen from payroll deductions or use a HELOC to pay it back now?

401k loan interest is mostly paid back to yourself instead of to a bank. The portion that isn't to yourself is the additional taxes on that "growth" that is paid with after-tax dollars, but a high 401k loan interest could result in the balance increasing faster than it otherwise would have grown. Th...
by harikaried
Thu May 23, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Is Tesla Going To Survive?
Replies: 99
Views: 7916

Re: Is Tesla Going To Survive?

Please! You can buy a Kia Niro within weeks in 11 states. I'm not really sure what you're trying to compare for someone looking for an electric vehicle? The Niro Plug-In Hybrid delivers versatility right down to its power source. With the push of a button you can go All-Electric using a high-densit...
by harikaried
Thu May 23, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Is Tesla Going To Survive?
Replies: 99
Views: 7916

Re: Is Tesla Going To Survive?

Any idea why Tesla is at the bottom of the Consumer Reports list of reliable cars? Maybe electrical glitches then? If you look at the details of the Consumer Reports reliability report, it's based on owners reporting issues such as trim and paint issues. Looks like the percentage of reported issues...
by harikaried
Thu May 23, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: Is Tesla Going To Survive?
Replies: 99
Views: 7916

Re: Is Tesla Going To Survive?

I think he convinced a lot of people that he has revolutionized the industry. But the reality is that the industry was already moving to electric sales That's an interesting point because it definitely seems like the legacy auto industry is happy to continue at whatever pace it was moving towards e...