Search found 1057 matches

by mervinj7
Tue Oct 15, 2019 6:29 pm
Forum: Personal Investments
Topic: 3-fund portfolio: using AGG vs IUSB
Replies: 1
Views: 84

Re: 3-fund portfolio: using AGG vs IUSB

I read the BH thread on three fund portfolios using iShares (my preference... am with Fidelity), and am wondering why I should be using IUSB (recommended) over AGG. I did a compare: https://www.askfinny.com/bot?s=AGG%20vs%20IUSB and it seems to me that IUSB, if anything, is a less popular, more exp...
by mervinj7
Tue Oct 15, 2019 3:28 pm
Forum: Personal Consumer Issues
Topic: Solar Installation - 0.75 Year Later
Replies: 63
Views: 7477

Re: Solar Installation - 0.75 Year Later

Unfortunately, I can no longer find a link to the spreadsheet but his guide is still up. The following was a screenshot of my analysis pre-install assuming a flat $0.29/kWh rate. However, the IRR and NPV are already incorrect since TOU rates will change substantially in five years. https://imgur.co...
by mervinj7
Tue Oct 15, 2019 3:11 pm
Forum: Personal Investments
Topic: Saving for medium/indefinite term - advice?
Replies: 22
Views: 1191

Re: Saving for medium/indefinite term - advice?

SO and I are around age 30, have an emergency fund, are maxing retirement accounts, and are generating about 4000/month left over that we can save/invest in some way. We are RENTERS because we live in the SF Bay Area -- we do OK, really love living here, not making big tech money to be able to buy ...
by mervinj7
Tue Oct 15, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: Electric Car Charger - options/Amp settings?
Replies: 32
Views: 1481

Re: Electric Car Charger - options/Amp settings?

Just a side bar for electric cars. People in California are having problems with their cars because the electricity had to be shut off because of the fires going on there. This is a problem that I didn't think of with them. This is a consideration for those who drive electric. birdy That's why you ...
by mervinj7
Mon Oct 14, 2019 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Making money with oversized rooftop solar system?
Replies: 22
Views: 2508

Re: Making money with oversized rooftop solar system?

That said, some folks with CCAs (which I believe softwaregeek has), have slightly different policies that will credit excess generation at the full retail rates. Here's an example. I'll update my solar post with live numbers in Jan after I get my true-up. https://www.svcleanenergy.org/solar/ Yep, t...
by mervinj7
Mon Oct 14, 2019 12:21 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
Replies: 1057
Views: 100203

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]

For those that may not be aware, Fidelity's Institutional Premium Class Freedom Index Target Date Funds are available for purchase in their HSA accounts. For example, FFOPX (2050 Fund) has a ultra-low ER of 0.08% (vs. 0.12% for FIPFX) and normally has a minimum purchase of $100M. Although, most folk...
by mervinj7
Mon Oct 14, 2019 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Provider with Mega Backdoor Roth IRA Ability
Replies: 3
Views: 286

Re: 401k Provider with Mega Backdoor Roth IRA Ability

All, Our company is growing and we will be starting a 401k for its employees. We are very small (8-10 employees) maybe get up to 20 or so. Does anyone know of any of the low cost 401k providers that allow for the MBR? I know that Fidelity provides a "mega backdoor roth" ability for it's administere...
by mervinj7
Mon Oct 14, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Electric Car Charger - options/Amp settings?
Replies: 32
Views: 1481

Re: Electric Car Charger - options/Amp settings?

I am contemplating an electric car purchase. I have a detached garage which is >100 feet from my breaker panel. The electrician I've spoken to states they can run a 240V line out to my garage but is giving me the option of 55 amperes vs 75 amperes, but there is no direction on this from either the ...
by mervinj7
Sat Oct 12, 2019 4:56 pm
Forum: Personal Consumer Issues
Topic: Solar Panel worth it 2019? SoCal region
Replies: 31
Views: 3307

Re: Solar Panel worth it 2019? SoCal region

I'm in SoCal here. I have SCE and I'm on TOUD-4-9PM. You can view my public page here: https://enlighten.enphaseenergy.com/pv/public_systems/7qgw1555720/overview?preview=1 . According to production history from above link, It appears that your system @Cwise output clips at 1715 WH per every 15min w...
by mervinj7
Fri Oct 11, 2019 6:18 pm
Forum: Personal Investments
Topic: Does Fidelity have a performance view?
Replies: 22
Views: 1418

Re: Does Fidelity have a performance view?

I just called Fidelity. They said I should see the performance tab next week. Seems pretty ridiculous to restrict that feature and conveyed similar sentiments to the phone rep. At first the rep was trying to get me to settle for the graph that appears on the summary screen, but thanks to posters wh...
by mervinj7
Fri Oct 11, 2019 5:51 pm
Forum: Personal Investments
Topic: Does Fidelity have a performance view?
Replies: 22
Views: 1418

Re: Does Fidelity have a performance view?

That link doesn't work for me - I meet the asset requirements but don't have the performance tab. It doesn't mention that I'm a premium client anywhere either so that may be the issue. I think you may to either call Fidelity (i.e. call from within the app while signed in for faster service) or chat...
by mervinj7
Fri Oct 11, 2019 3:13 pm
Forum: Personal Investments
Topic: Does Fidelity have a performance view?
Replies: 22
Views: 1418

Re: Does Fidelity have a performance view?

I’m shocked there’s nothing similar for a Fidelity. I called customer support and they told me that this is a feature for premium services clients which require assets of 250k or more at Fidelity. I responded in the other thread from livesoft. The good news is that, yes, Fidelity, has a performance...
by mervinj7
Thu Oct 10, 2019 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Making money with oversized rooftop solar system?
Replies: 22
Views: 2508

Re: Making money with oversized rooftop solar system?

In CA with pge if you have a negative bill (produced more electricity than you used) at the end of your one year true up, the credit goes to zero. Be sure this will not happen where you are at. Also they can change the rules on you. I would not over do it with the goal of making money. For now, at ...
by mervinj7
Thu Oct 10, 2019 11:23 am
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 14986

Re: How many are switching from Fidelity?

The other nice thing about Fidelity is the lack of nuisance fees. Did they do away with their $50 IRA closing/transfer fee? Yes, but that was true before this announcement as well. At least, since Aug 2018 as far as I can tell from previous threads. https://www.bogleheads.org/forum/viewtopic.php?t=...
by mervinj7
Thu Oct 10, 2019 11:20 am
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 83
Views: 7690

Re: Fidelity to $0 Commissions

I guess this means we can quit posting in that other thread that asks when we will be moving our accounts out of Fidelity because of the commissions. But now we can start a thread about whether we should dump our Ishare etfs and buy Vanguard etfs in our Fido accounts. :D Hmm, is that the new plan n...
by mervinj7
Wed Oct 09, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: Solar Installation - 0.75 Year Later
Replies: 63
Views: 7477

Re: Solar Installation - 0.75 Year Later

There is one string inverter (the older "Sunny Boy") that I'm aware of which has an option for an outlet at the inverter box which can remain powered during utility outages. If you ran an extension cord around the house, 10 hours or so of power during the day would probably be enough to at least av...
by mervinj7
Tue Oct 08, 2019 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Refinance-Extra Hard Pull Worth It?
Replies: 10
Views: 514

Re: Student Loan Refinance-Extra Hard Pull Worth It?

Even with a conservative projection paying the loans off as fast as possible I will save several thousand dollars by refinancing. The difference between the 3.46% with laurel road and 2.05% with SoFi equates to ~$650 in interest savings over 5 years, so I'm debating if the extra hard credit pull is...
by mervinj7
Tue Oct 08, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: Router for Small Apartment
Replies: 18
Views: 1211

Re: Router for Small Apartment

+1 for ditching a possibly dying router for a Google wifi. I actually have a refurb Onhub, but if I was buying today I'd get the little puck (wait to see if it's on sale for cyber Monday?). If you move somewhere larger you can do mesh, it does 2.4/5 GHz on a single SSID, using phone app to configur...
by mervinj7
Tue Oct 08, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Solar Installation - 0.75 Year Later
Replies: 63
Views: 7477

Re: Solar Installation - 0.75 Year Later

Has there been a calculation (cost/benefit) of a "fixed" solar array on a roof vrs a platform mounted in the yard which has the ability to "follow" the sun during the day as well as the season? Info on the web suggests 25-30% more for a single axis and an additional 10% for dual axis, but at what c...
by mervinj7
Mon Oct 07, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: Solar Installation - 0.75 Year Later
Replies: 63
Views: 7477

Re: Solar Installation - 0.75 Year Later

We've been putting this off because our roof is older but I think we're going to need a new roof next year, so we'll probably look into solar. Do you know what the credits will be next summer? I think I misunderstood you question but if you are talking about the Federal residential energy incentive...
by mervinj7
Mon Oct 07, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: 2010 Prius totaled.... Now what?
Replies: 40
Views: 3447

Re: 2010 Prius totaled.... Now what?

We're mainly concerned we'll get a check from State Farm that is nowhere near enough to replace. Hopefully, no one was hurt in this accident. As far as checks are concerned, you will likely get a check for the replacement cost of a 2010 Prius with ~160k miles. When this happened to us two years ago...
by mervinj7
Fri Oct 04, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: Solar Installation - 0.75 Year Later
Replies: 63
Views: 7477

Re: Solar Installation - 0.75 Year Later

For those of you that have purchased solar, have you seen your property taxes increase due to the addition of the solar system? Currently in CA, solar panels do not increase property taxes for residents. YMMV. https://wilsontaxlaw.com/california-property-tax-solar-energy-system-exclusion-extended/
by mervinj7
Fri Oct 04, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: Solar Installation - 0.75 Year Later
Replies: 63
Views: 7477

Re: Solar Installation - 0.75 Year Later

Anyone know if homeowners insurance increases rates if you have solar panels to cover the added costs of roof replacement? What about riders to cover the solar panels? or are they included in standard HO3 policies? When I asked my State Farm agent, they said "solar panels are included in your dwell...
by mervinj7
Fri Oct 04, 2019 12:07 pm
Forum: Personal Investments
Topic: Fidelity HSA fees
Replies: 13
Views: 1507

Re: Fidelity HSA fees

I was under the impression the big draw to Fidelity's HSA was that there were no fees to hold an HSA there - but $75 seems like a fee. Saturna charges a $75 account transfer out fee for self-directed Brokerage HSA. The fee is not from Fidelity. https://www.saturna.com/individual/hsa/health-savings-...
by mervinj7
Fri Oct 04, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: Solar Installation - 0.75 Year Later
Replies: 63
Views: 7477

Re: Solar Installation - 0.75 Year Later

The various TOU tariffs, and the potential for changes, can really mess with your solar return. I don't have an EV, so my recent bay area solar installation is stuck under the TOU-B rate plan, which this year defines peak as 3pm-8pm, but starting in January will push it to 4pm-8pm, which really kil...
by mervinj7
Thu Oct 03, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: Solar Installation - 0.75 Year Later
Replies: 63
Views: 7477

Re: Solar Installation - 0.75 Year Later

I also switched from a TOU rate to a TOU EV tariff. My peak daytime rates are very high ($0.29 to $0.53/kWh) but my off-peak nighttime rate is cut to $0.14/kWh. Is that high rate after 4 pm and how much energy do you generate after 4 pm? It's peak rate after 2PM for my particular tariff (EV-A) and ...
by mervinj7
Thu Oct 03, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Solar Installation - 0.75 Year Later
Replies: 63
Views: 7477

Re: Solar Installation - 0.75 Year Later

Just a comment on returns. Simple payback which equals cost/ savings p.a. = years to pay back, is fine, it corresponds to an undiscounted valuation (i.e. future cash flows discounted at 0% rate). It's a good rule of thumb. However with an investment you sell it at the end which this calculation ign...
by mervinj7
Wed Oct 02, 2019 11:09 pm
Forum: Personal Consumer Issues
Topic: Solar Installation - 0.75 Year Later
Replies: 63
Views: 7477

Re: Solar Installation - 0.75 Year Later

Thanks for this information. You have basically the equivalent of a tax-free bond yielding about 20% a year so far, right? That's amazing! Haha, I wish it were so easy to calculate ROI. Unlike a five year bond, you won't get the full investment back in five years (neglecting potential increases in ...
by mervinj7
Wed Oct 02, 2019 9:19 pm
Forum: Personal Consumer Issues
Topic: Solar Installation - 0.75 Year Later
Replies: 63
Views: 7477

Re: Solar Installation - 0.75 Year Later

Just curious...how much energy do you use per year? Sounds like you use about 12,000 given your comment that you may be a net surplus generator? If so, that’s a bit surprising since I live in a significantly hotter locale, have a pretty large house (3,500 sq ft), wife/kids at home during the day, a...
by mervinj7
Wed Oct 02, 2019 6:19 pm
Forum: Personal Consumer Issues
Topic: Solar Installation - 0.75 Year Later
Replies: 63
Views: 7477

Re: Solar Installation - 0.75 Year Later

So, the 330W Panasonic HIT are about 60"x40" and you've got 22, which means you have about 400 ft2 of roof that faces south? We've been putting this off because our roof is older but I think we're going to need a new roof next year, so we'll probably look into solar. Do you know what the credits wi...
by mervinj7
Wed Oct 02, 2019 5:56 pm
Forum: Personal Consumer Issues
Topic: Solar Installation - 0.75 Year Later
Replies: 63
Views: 7477

Re: Solar Installation - 0.75 Year Later

Errata Why is estimated energy savings potentially higher than expected? The installer used a flat $0.24/kWh for their estimate. Since then, PG&E raised their rates by 4% (so far). Another rate increase is expected shortly. I also switched from a TOU rate to a TOU EV tariff. My peak daytime rates a...
by mervinj7
Wed Oct 02, 2019 5:56 pm
Forum: Personal Consumer Issues
Topic: Solar Installation - 0.75 Year Later
Replies: 63
Views: 7477

Solar Installation - 0.75 Year Later

I was going to originally post a review one year after installation of my system but since the Federal Credit is diminishing this year, I'll do an early preview and update this post in 2020. System Summary: Location: Bay Area, CA Panels: 22 x 330W Panasonic HIT→ 7.26kW Inverter: SolarEdge SE10000HD ...
by mervinj7
Wed Oct 02, 2019 8:25 am
Forum: Personal Finance (Not Investing)
Topic: MA - Can I ask tenant for updated income docs?
Replies: 14
Views: 1750

Re: MA - Can I ask tenant for updated income docs?

Is the rent still being paid on time? If so, I'll leave it alone. Not sure about the legalities though.
by mervinj7
Mon Sep 30, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance - Chase Sapphire Reserve
Replies: 12
Views: 1075

Re: Travel Insurance - Chase Sapphire Reserve

Whakamole wrote:
Mon Sep 30, 2019 12:20 pm
I was not reimbursed because of a trip I had to cancel because my traveling partner came down with a very serious illness.
Was your traveling partner immediate family? Otherwise, I'm not sure why it would be covered under CSR's listed travel benefits.
by mervinj7
Fri Sep 27, 2019 1:24 pm
Forum: Personal Investments
Topic: Which brokerages can display Personal Portfolio Performance?
Replies: 26
Views: 1617

Re: Which brokerages can display Personal Portfolio Performance?

In you screen capture, "ACCOUNT BALANCES OVER TIME" is not a performance metric as shouldn't it have a PERCENT number to show CAGR or something like that. Maybe it does below the bit that you captured and displayed for us. Yes, you are correct that below ACCOUNT BALANCES OVER TIME, there are two mo...
by mervinj7
Fri Sep 27, 2019 11:59 am
Forum: Forum Issues and Administration
Topic: SITE OFFLINE (Sep 27) Friday, 12:00 PM Eastern (16:00 UTC) - software upgrade
Replies: 8
Views: 577

Re: SITE OFFLINE (Sep 27) Friday, 12:00 PM Eastern (16:00 UTC) - software upgrade

LadyGeek wrote:
Fri Sep 27, 2019 11:19 am
Success! We're back, all OK.
Thanks, LadyGeek!
Any changes we should look for?
by mervinj7
Fri Sep 27, 2019 10:27 am
Forum: Personal Investments
Topic: Which brokerages can display Personal Portfolio Performance?
Replies: 26
Views: 1617

Re: Which brokerages can display Personal Portfolio Performance?

In my Fidelity account, under the "More" menu tab, there's a "Performance" link. Among other things, there's a chart with YTD, 1, 3, 5, 10 year performance for each account (brokerage, IRA, Roth), and aggregate. I don't have that. I see: https://i.imgur.com/7PG42yG.png But if I did have a way to sh...
by mervinj7
Fri Sep 27, 2019 10:19 am
Forum: Personal Investments
Topic: Which brokerages can display Personal Portfolio Performance?
Replies: 26
Views: 1617

Re: Which brokerages can display Personal Portfolio Performance?

Perhaps the type of account impacts whether or not the "Performance" tab is viewable or not. I have a "Performance" tab for all of my personal accounts as described by others, but not for my "Workplace Savings" (401(k) account. Yep, that's seems correct. If I choose, "All Accounts" or other select ...
by mervinj7
Thu Sep 26, 2019 10:44 pm
Forum: Personal Investments
Topic: Which brokerages can display Personal Portfolio Performance?
Replies: 26
Views: 1617

Re: Which brokerages can display Personal Portfolio Performance?

ladycat wrote:
Thu Sep 26, 2019 7:44 pm
In my Fidelity account, under the "More" menu tab, there's a "Performance" link. Among other things, there's a chart with YTD, 1, 3, 5, 10 year performance for each account (brokerage, IRA, Roth), and aggregate.
+1 Works for me. livesoft, you try it out?
by mervinj7
Wed Sep 25, 2019 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Solar panel advice & experiences
Replies: 64
Views: 2757

Re: Solar panel advice & experiences

Net metering and the future of it. Michigan and Arizona have upended things. Check your state. I believe OP is in Missouri. Their legislature recently failed to gut net metering but the fact that they tried and almost succeeded is worrisome. Contrast that with solar-friendly CA where Net Metering i...
by mervinj7
Wed Sep 25, 2019 1:16 pm
Forum: Investing - Theory, News & General
Topic: Robo program to avoid market drops
Replies: 22
Views: 1965

Re: Robo program to avoid market drops

Went to a free lunch presentation given by a guy whose main pitch is capital preservation.He talked about people who are invested in stocks and handed out a chart from 1950 to today showing the difference if you avoided the big market drops.He said he uses a robo program that somehow gets you out a...
by mervinj7
Wed Sep 25, 2019 10:40 am
Forum: Personal Investments
Topic: Fidelity money market fund
Replies: 20
Views: 2491

Re: Fidelity money market fund

Is your Ally savings rate 1.9%? Depending on your marginal state tax bracket, FDLXX Fidelity Treasury only money market fund is state-tax exempt and may have a higher taxable equivalent yield for you than Ally. FDLXX had a 7-day SEC yield of 1.71% as of 8/31/19 (not sure what the current yield is)....
by mervinj7
Tue Sep 24, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: How to get a repair estimate for unrepairable items? (Extended warranty claim)
Replies: 21
Views: 1358

Re: How to get a repair estimate for unrepairable items? (Extended warranty claim)

Ok, now I really wont buy extended warrantees ;-) There is another thread about Citi dropping perks such as this. Was it ever really a perk ? It's still a perk for many Chase cards (e.g. Chase Reserve). As I mentioned above, I just got a check last month from Chase Card benefits for $700 for an out...
by mervinj7
Mon Sep 23, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: How to get a repair estimate for unrepairable items? (Extended warranty claim)
Replies: 21
Views: 1358

Re: How to get a repair estimate for unrepairable items? (Extended warranty claim)

I bought a microwave that failed just after 1 year. It should be covered by the credit card extended warranty coverage, but I need a repair estimate. It’s clearly unrepairable. I bought the microwave at Walmart and the local appliance repair people are not interested in helping me out. I may just g...
by mervinj7
Mon Sep 23, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: solar installation, question on added roof structural support
Replies: 20
Views: 1147

Re: solar installation, question on added roof structural support

That was my concern. I remember a manager out in AZ got panels on the roof to heat the swimming pool (I think) and my first question was "So what happens if you need roof repairs?". Thus I personally don't see the practicality of doing panels on the roof. Wish it was easier. Not sure why it's a big...
by mervinj7
Sun Sep 22, 2019 10:15 pm
Forum: Personal Consumer Issues
Topic: solar installation, question on added roof structural support
Replies: 20
Views: 1147

Re: solar installation, question on added roof structural support

rich126 wrote:
Sun Sep 22, 2019 9:38 pm
Just curious. What happens if you need roof work? You have to pay someone to remove and then reinstall them?
Yep. Usually the solar installer will do it for a nominal charge. That's why the general recommendation is to have an older roof redone before the panels are installed.
by mervinj7
Sat Sep 21, 2019 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: IT compensation comparison
Replies: 256
Views: 20682

Re: IT compensation comparison

If you believe that you are underpaid and you qualify for one of those 250+K jobs in the Bay Area, just go ahead and apply. If and when you receive an offer, then, you can decide whether you take up the offer. What is there to discuss? I think one point of this thread is to learn what specific skil...
by mervinj7
Fri Sep 20, 2019 2:58 pm
Forum: Personal Consumer Issues
Topic: solar installation, question on added roof structural support
Replies: 20
Views: 1147

Re: solar installation, question on added roof structural support

Not sure anyone here will have knowledge or opinion on this, but here goes. We're considering installation of 20 solar panels on our house in Massachusetts. It's a typical Cape style house, older vintage, from the 1930s. We've got a great quote on pricing, roof is ideally situated for solar (other ...
by mervinj7
Fri Sep 20, 2019 1:44 pm
Forum: Personal Investments
Topic: Fidelity HSA will now offer (as of 10/25/19) Fidelity Money Market for core position
Replies: 7
Views: 1289

Re: Fidelity HSA will now offer (as of 10/25/19) Fidelity Money Market for core position

Is there an official announcement? Since I have the work-sponsored Fidelity HSA, it automatically invests payroll contributions into whatever fund I want, so I don't actually use the CORE position. I'm assuming it's different for folks with the free HSA accounts from Fidelity.
by mervinj7
Thu Sep 19, 2019 12:12 pm
Forum: Personal Investments
Topic: Fidelity Review
Replies: 15
Views: 1958

Re: Fidelity Review

The retirement calculator does Monte Carlo simulations and gives you a percentage score for success, which means you have money left over at death. In my case, I got a score of 92% . They run your portfolio through hundreds of scenarios to determine your odds for success. It also gives you asset al...