Search found 174 matches

by z0r
Wed May 12, 2021 6:52 pm
Forum: Investing - Theory, News & General
Topic: Guideline 401k adds 0.08% aum fee
Replies: 5
Views: 738

Re: Guideline 401k adds 0.08% aum fee

That matches the AUM fee charged by Employee Fiduciary. thanks, this answers a few questions yeah, it looks like they're still one of the best deals around I was making a point about their saas-model "operate at a loss to buy market share" which is something to be aware of, although lock-...
by z0r
Tue May 11, 2021 10:28 am
Forum: Investing - Theory, News & General
Topic: Guideline 401k adds 0.08% aum fee
Replies: 5
Views: 738

Guideline 401k adds 0.08% aum fee

Guideline is adding a 0.08% fee for participants (was no aum, $8/month/employee paid by the employer). They're announcing this as an offset for now charging no fees for random services that regular account holders never use, so this is a fee hike for most participants. The company-side fees look to ...
by z0r
Sat May 01, 2021 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
Replies: 321
Views: 25337

Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit

I live in oregon and work for a wa company so obviously I want to avoid this thing. can anyone speculate what the mechanics will be? I assume wa will go after our payroll provider (it's one of the larger ones) to do automatic withholding. will I work with my hr and payroll provider to stop the withh...
by z0r
Wed Feb 24, 2021 1:39 pm
Forum: Forum Issues and Administration
Topic: What is the deal with "DW"?
Replies: 104
Views: 5946

Re: What is the deal with "DW"?

boomers, my dude
by z0r
Sun Jan 10, 2021 12:21 pm
Forum: Investing - Theory, News & General
Topic: Tesla becomes most valuable car company in the world
Replies: 396
Views: 37338

Re: Tesla becomes most valuable car company in the world

They’re still highly desirable cars to many people. There is a lot of demand for them. And Tesla keeps ratcheting the prices down, which is good for consumers, and a headache to would be competitors. They started taking orders today for the standard range Model Y, with prices starting at 34,990; I ...
by z0r
Thu Dec 10, 2020 4:51 pm
Forum: Investing - Theory, News & General
Topic: TESLA Valuation
Replies: 111
Views: 7140

Re: TESLA Valuation

Toyota Motors has developed an EV battery that can fully charge in 10 minutes and go 300 mikes on a single charge - Nikkei Then I guess they’ll do well. But, how many Tesla killers have we seen come and go? The only one I’m interested in, Polestar 2, is as pricey as a Tesla. ford "mustang"...
by z0r
Fri Nov 20, 2020 10:54 am
Forum: Personal Consumer Issues
Topic: Tesla's self-driving features for a 70 year old
Replies: 43
Views: 2891

Re: Tesla's self-driving features for a 70 year old

OK, I guess I'm conflating topics here. My question is: for those who have used Tesla or other brand's advanced driving safety features: it it easy and intuitive to use and does it help you drive more safely, particularly if you do not already use GPS apps? I'm trying to gather information on perso...
by z0r
Thu Nov 19, 2020 10:32 am
Forum: Personal Consumer Issues
Topic: Theft of catalytic converter ("autocatalyst") ?
Replies: 64
Views: 4409

Re: Theft of catalytic converter ("autocatalyst") ?

lthenderson wrote: Thu Nov 19, 2020 10:12 am It doesn't take long to do. In fact, 60 seconds or less and these two weren't hurrying at all.

https://www.youtube.com/watch?v=qybMIkySaXk
watching that, my reaction is actually "slow is smooth, and smooth is fast" plus some pauses for observation
by z0r
Wed Nov 18, 2020 10:37 am
Forum: Personal Consumer Issues
Topic: Tesla's self-driving features for a 70 year old
Replies: 43
Views: 2891

Re: Tesla's self-driving features for a 70 year old

tesla self driving isn't what it sounds like. it's a set of driver assist features that take CONSTANT monitoring because they could fail at any time, sending you into a barrier or parked car or whatever. it can only operate safely as something a fully aware driver is delegating to, not something you...
by z0r
Tue Nov 10, 2020 5:57 pm
Forum: US Chapters
Topic: U. S. Marine Corps Birthday
Replies: 50
Views: 4848

Re: U. S. Marine Corps Birthday

Marines: In case you have not seen this one yet. Commandant’s 245th Marine Corps Birthday Message Happy Birthday Semper Fidelis! Rick Ferri USMC Retired I got super excited when I saw what looks like the M240L (L for light) at 3:48 . didn't know we'd bought those. maybe it can prevent some back inj...
by z0r
Tue Nov 03, 2020 11:27 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 4554
Views: 356447

Re: Small Cap Value heads Rejoice !!!

the market maker will usually step in and provide liquidity even if it's above the normal amount traded that day. if you're not sure that'll happen at a good price you can use a limit order
by z0r
Mon Nov 02, 2020 7:46 pm
Forum: Personal Consumer Issues
Topic: Powerful Battery Leaf Blowers
Replies: 86
Views: 5181

Re: Powerful Battery Leaf Blowers

I have the Milwaukee blower and love it. I also have the Milwaukee weed trimmer and hedge trimmer. I'd stick with one brand for all power tools/ yard equipment. Once you get a couple batteries you can start buying the bare tools which are much cheaper than buying them with the battery kit. In total...
by z0r
Sun Nov 01, 2020 8:21 pm
Forum: Personal Consumer Issues
Topic: Tesla Full Self Driving Option
Replies: 131
Views: 10819

Re: Tesla Full Self Driving Option

I asked an acquaintance, an engineer in the industry, when there will ever be a car that will be able to totally by itself drive me, at night and in a snowstorm, to my sister who lives 30 miles away through rural blacktop roads and finally down a series of dirt roads. He said the short answer was &...
by z0r
Thu Oct 29, 2020 2:38 pm
Forum: Personal Consumer Issues
Topic: Harbor Freight Good Values?
Replies: 88
Views: 5332

Re: Harbor Freight Good Values?

for many tools, the midrange us-made options have already been obliterated and we're left with just tool truck brands like snap-on which have massive margins in order to support their sales model. there are only a few non-truck brands left, like channellock, and they only make some categories of too...
by z0r
Wed Oct 28, 2020 11:44 pm
Forum: Personal Consumer Issues
Topic: Harbor Freight Good Values?
Replies: 88
Views: 5332

Re: Harbor Freight Good Values?

marine grade heat shrink. a life changing product but used to be pretty expensive till I found it at HF, and the HF stuff is quality
by z0r
Wed Oct 28, 2020 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1762
Views: 166548

Re: My LenderFi refinance is going well

Any secrets to getting their attention? My daughter has about a $100K mortgage that she wants to refinance but hasn't been able to get through to Lenderfi and she tried another company that stopped responding. Presumably the paperwork for a small mortgage is as much as for a big one, so they priori...
by z0r
Tue Oct 27, 2020 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10338
Views: 753943

Re: Refinance Mega Thread

any recommendations for a cash-out refinance on a small loan in oregon? current loan is 80k on 300k value and I want a new loan at 140k. better would do it but the fees were too high to make it worth it, and lenderfi isn't doing cash out right now and "not any time soon" (from an email fr...
by z0r
Tue Oct 20, 2020 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10338
Views: 753943

Re: Refinance Mega Thread

any recommendations for a cash-out refinance on a small loan in oregon? current loan is 80k on 300k value and I want a new loan at 140k. better would do it but the fees were too high to make it worth it, and lenderfi isn't doing cash out right now and "not any time soon" (from an email fro...
by z0r
Thu Oct 01, 2020 10:37 pm
Forum: Personal Consumer Issues
Topic: Trail sneakers
Replies: 59
Views: 3882

Re: Trail sneakers

I've used nike pegasus for 15 years for this. they're just ordinary "full support" running shoes. $70 or so new on ebay so you can buy two pair for the price of some others, which is nice because any of these shoes will lose cushioning effectiveness after 300-500 miles and when they lose i...
by z0r
Thu Sep 17, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: Prius owners...advice?
Replies: 22
Views: 2448

Re: Prius owners...advice?

Anecdotally, nimh prius batteries have an expected life of 12+ years (depending on climate) and mileage doesn't matter so much. They could do 300k as long as you do it quickly. They have very few failures up to a point, then at whatever # of years you typically see them fail in your climate, they st...
by z0r
Wed Sep 16, 2020 10:51 pm
Forum: Personal Consumer Issues
Topic: Prius owners...advice?
Replies: 22
Views: 2448

Re: Prius owners...advice?

oh yeah, that age and miles makes it a candidate for some suspension work in the next few years. not necessarily expensive. maybe tie rod ends, ball joints, etc. depends on how poor the roads were, it could need nothing
by z0r
Wed Sep 16, 2020 10:46 pm
Forum: Personal Consumer Issues
Topic: Prius owners...advice?
Replies: 22
Views: 2448

Re: Prius owners...advice?

2011 is a 3rd gen, I think in that year range some of them were oil burners. it's not a problem as long as you check regularly but there's a risk the previous owner let it run low. other than this they're incredible cars. that number of miles isn't concerning to me other than needing to consider it ...
by z0r
Mon Aug 31, 2020 10:16 pm
Forum: Personal Consumer Issues
Topic: 2016 Mazda 3 Sedan no longer fits!
Replies: 29
Views: 1950

Re: 2016 Mazda 3 Sedan no longer fits!

I had a very similar car (07 focus, shared a platform with the Mazda 3 for a while) and I couldn't fit an arbitrary rear facing seat in with the front seat run to the rear with my preferred incline, which is what I need in that car this space problem is a combination of baby seat, front/back positio...
by z0r
Thu Aug 27, 2020 1:13 am
Forum: Personal Consumer Issues
Topic: $40k Hardwood Floors Gone Wrong - Help!
Replies: 43
Views: 4936

Re: $40k Hardwood Floors Gone Wrong - Help!

last time I shopped wood floors it was clearly stated up front that "installation is acceptance". you should have put up a fight when you opened the first box. the level of waste - time and material - if you rip it out is really something. keep what you have and negotiate a discount
by z0r
Mon Aug 10, 2020 11:24 am
Forum: Personal Consumer Issues
Topic: Herman Miller Aeron chair
Replies: 64
Views: 5470

Re: Herman Miller Aeron chair

That said, nowadays there are competitors to Aeron that are (probably) just as good or maybe even better. Steelcase Leap, Humanscale, and even other Herman Miller chairs are others I've heard people talk about liking I use a steelcase leap in my home office, I tried both and the leap is better for ...
by z0r
Sun Jul 19, 2020 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Electrical upgrades for a new build home
Replies: 60
Views: 4837

Re: Electrical upgrades for a new build home

oof, those prices. most of of those are real moneymakers. vhcol... I would want 50A 220V in the garage or possibly on the front of the garage for an electric car charger. some localities are requiring 100A here as future proofing but I think that's silly, 50A 220 (10kW) can charge 30mph which is eno...
by z0r
Sat Jun 20, 2020 2:53 pm
Forum: Personal Consumer Issues
Topic: Used Tesla S or new Tesla Y
Replies: 15
Views: 1693

Re: Used Tesla S or new Tesla Y

I don’t know hat I’d do here. I do read the Tesla forums quite a bit. A lot of Model3 owners have had a Model S as a loaner car. They all say they like the Model 3 better, particularly the ride and the overall feeling of it. The say the S feels larger and more floaty. I currently drive a lexus LS s...
by z0r
Wed Jun 10, 2020 1:44 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 4554
Views: 356447

Re: Small Cap Value heads Rejoice !!!

I want to see a new SCV study: correlation of taylor/elysium posts in this thread with down or up days for US SCV. I have a feeling it would be pretty strong
by z0r
Sun May 31, 2020 1:41 am
Forum: Personal Finance (Not Investing)
Topic: Consider wealth tax possibility in pension choices?
Replies: 11
Views: 1135

Re: Consider wealth tax possibility in pension choices?

I only consider the only wealth tax that the US has, which is property tax. If you hold idle land, you still get taxed on the value of the land the US also has a de facto wealth tax in the form of capital gains tax plus a targeted inflation rate. it's very small, say 20% capital gains times 2% infl...
by z0r
Sat May 09, 2020 10:48 pm
Forum: Personal Investments
Topic: College age kid wrecked his car...
Replies: 113
Views: 6455

Re: College age kid wrecked his car...

2nd gen Prius (2004-2009) can easily be had for $5k yes. they're badass cars. try for 2007+ or maybe an earlier high spec one so it has side curtain airbags, biggest safety advance in that era. not at all like all the "distracted driving" safety tech we get now, side curtain airbags were h...
by z0r
Wed May 06, 2020 5:43 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 572
Views: 149807

Re: Need to be able to do 30 chin-ups

easiest way to do more pullups is to get shorter. ok, that's not that easy second easiest way is to cheat by carrying energy between reps. there's a WIDE range of motion that you can fit in and still claim it's "strict". if you know what to look for you can see it, but most don't. if I was...
by z0r
Tue Apr 21, 2020 2:26 am
Forum: Personal Consumer Issues
Topic: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three to
Replies: 131
Views: 6913

Re: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three

choose from. I am thinking about buying a new car and would like you feed back on these three cars. what do you need to carry? sedans are a wasteful, outdated body style, they're essentially what you get when you take a hatchback or wagon and cut a notch off the back for no reason. start by outlini...
by z0r
Wed Apr 01, 2020 11:49 pm
Forum: Personal Consumer Issues
Topic: Wine Club Recommendations?
Replies: 15
Views: 1341

Re: Wine Club Recommendations?

I'd recommend selecting a wine club from a winery that you know you like the wines. Too many wine clubs just are unloading random wines of varying to poor quality. that's a great idea. say you ran into a good Oregon pinot noir in a random wine store, chances are the wine club selection from that wi...
by z0r
Wed Apr 01, 2020 12:47 am
Forum: Personal Consumer Issues
Topic: Wine Club Recommendations?
Replies: 15
Views: 1341

Re: Wine Club Recommendations?

I live in Eugene OR and visit local places around Eugene and Salem. I think you could almost throw a dart and get something good around here, if you wanted to try a single winery. I guess a single winery carries some risk in that you won't align with the taste that the winemaker is going for. But if...
by z0r
Sat Jan 11, 2020 11:55 pm
Forum: Personal Consumer Issues
Topic: T-mobile coverage difference with 600MHz phone
Replies: 9
Views: 1108

Re: T-mobile coverage difference with 600MHz phone

I was late getting a phone with their 700MHz band 12, it made an enormous difference outside of cities, so I expect another bump with 600MHz. Inside large cities I didn't notice a difference. If I had coverage troubles today I'd upgrade again since I use an Android phone and there are plenty of low ...
by z0r
Sun Jan 05, 2020 3:24 pm
Forum: Investing - Theory, News & General
Topic: Notes on International small-cap as of 2019
Replies: 51
Views: 5169

Re: Notes on International small-cap as of 2019

Doc wrote: Sun Jan 05, 2020 1:17 pm
jeffyscott wrote: Sun Jan 05, 2020 12:59 pm I thought that all international funds now used fair value pricing to prevent "time zone arbitrage", which was part of the early 2000s Mutual Fund scandals.
https://ideas.repec.org/h/unt/ecchap/ti ... chap8.html
great paper, thank you
by z0r
Wed Dec 18, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: [Tesla truck]
Replies: 170
Views: 13294

Re: I'm thinking DeLorean, aren't you?

We have two pickups because we use them as pickups - I have no idea how I could work with this design truck: - cargo area forward with high sides, no access - rear vision blocked by small window , towing and backing - lack of side mirrors , towing and backing - no stake bed sides, tool boxes, ladde...
by z0r
Tue Dec 17, 2019 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Former Military Protecting Assets for MBA Financial Aid?
Replies: 20
Views: 1274

Re: Military Officer Sheltering Assets for Elite MBA Financial Aid?

TheCav14 wrote: Tue Dec 17, 2019 3:12 pm I will get Post-9/11 GI Bill benefits, but only about $60k since I don't qualify for 100%. I'll still be qualified for financial aid, and I want to maximize it.
shouldn't you get 100%? are you a reservist on active duty for a short time?
by z0r
Tue Dec 17, 2019 1:38 pm
Forum: Personal Consumer Issues
Topic: Quality Power-Tool Brands
Replies: 93
Views: 6591

Re: Quality Power-Tool Brands

Milwaukee. it gets deeply discounted in combo deals at home depot and through gray market sellers on eBay. after discounts it's easily the best value and greatest range. any brand you might name that's "better" is going to have some range limitation
by z0r
Fri Dec 13, 2019 6:30 pm
Forum: Personal Consumer Issues
Topic: Used Commuter Car
Replies: 46
Views: 1544

Re: Used Commuter Car

Thinking a hybrid is going to be best bet? Need recommendations to research. Is the commute mostly highway miles? If so, a hybrid is likely an economically poor decision (may not matter to you). I would just buy a run of the mill Camry/Accord. Still gets great highway mileage but generally has lowe...
by z0r
Fri Dec 13, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: Used Commuter Car
Replies: 46
Views: 1544

Re: Used Commuter Car

Thinking a hybrid is going to be best bet? Need recommendations to research. Is the commute mostly highway miles? If so, a hybrid is likely an economically poor decision (may not matter to you). I would just buy a run of the mill Camry/Accord. Still gets great highway mileage but generally has lowe...
by z0r
Fri Dec 13, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: Used Commuter Car
Replies: 46
Views: 1544

Re: Used Commuter Car

prius is the standard for this. you can get an excellent 3rd gen (2010-2015) with maybe 80k miles for $10k. all model years are basically good as long as you don't let them run out of oil and understand that some portion of your gas savings will eventually get used to do hybrid/battery repairs (but ...
by z0r
Sun Dec 08, 2019 9:53 pm
Forum: Personal Consumer Issues
Topic: Preventative car maintenance (oil changes) costs
Replies: 55
Views: 4052

Re: Preventative car maintenance (oil changes) costs

I won't use anything but an oem filter. Walmart is carrying ford oem filters now and for others use eBay or Amazon

Walmart house brand synthetic plus the 2x/year Mobil 1 rebate keeps me in oil. hard to beat $13 after rebate for 5qt Mobil 1 even if its numbers are only average
by z0r
Fri Dec 06, 2019 1:51 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says 30 years Roth IRA to 1.3 million?
Replies: 239
Views: 22476

Re: Dave Ramsey says 30 years Roth IRA to 1.3 million?

What am I missing? inflation for your date range (after 91 we get more or less "modern era"-type inflation) 1991 5.65% 1990 5.20% 1989 4.67% 1988 4.05% 1987 1.46% 1986 3.89% 1985 3.53% 1984 4.19% 1983 3.71% 1982 8.39% 1981 11.83% 1980 13.91% 1979 9.28% 1978 6.84% 1977 5.22% 1976 6.72% 197...
by z0r
Thu Dec 05, 2019 1:46 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says 30 years Roth IRA to 1.3 million?
Replies: 239
Views: 22476

Re: Dave Ramsey says 30 years Roth IRA to 1.3 million?

The 12% numbers he uses are based upon the PERFORMANCE RETURNS of the mutual funds he owns. He is not pulling them out of thin air. I own Fidelity Blue Chip Growth and the fund return since 1987 is 11.87%. I don't think it will do that going forward all the time, but that's a pretty long and strong...
by z0r
Tue Nov 26, 2019 2:07 pm
Forum: Personal Consumer Issues
Topic: [Tesla truck]
Replies: 170
Views: 13294

Re: [Tesla truck]

yeah, and if it gets a rematch it'll be against the ford electric f-150 which might just launch sooner than this thing
by z0r
Tue Nov 26, 2019 10:52 am
Forum: Personal Investments
Topic: Targeting International Small Cap Value
Replies: 30
Views: 2764

Re: Targeting International Small Cap Value

Illiquid is the wrong term, if you accept the market maker's spread you can buy or sell as much as you want. Listen to these podcasts to learn more, one of them, I forget which, specifically addresses the shortcomings of a "tradability" score. https://www.bloomberg.com/news/audio/2018-11-...
by z0r
Tue Nov 26, 2019 9:57 am
Forum: Personal Investments
Topic: Targeting International Small Cap Value
Replies: 30
Views: 2764

Re: Targeting International Small Cap Value

Are you guys concerned about AVDV being illiquid? I would be... AVDV Tradability Avg. Daily Share Volume 12,679 Average Daily $ Volume $647.95K Median Daily Share Volume 9,628 Illiquid is the wrong term, if you accept the market maker's spread you can buy or sell as much as you want. Listen to thes...
by z0r
Sun Nov 24, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: [Tesla truck]
Replies: 170
Views: 13294

Re: [Tesla truck]

tesla s/x are already pretty outsize (almost as wide as an f150): 196-198" long 77-79" wide. I already wouldn't want to be parallel parking one without the synthetic overhead view you can get on many cars now truck is 231" long 80" wide, it's going to fit fewer parking spots than...