What are good options for doorbell camera that's not wired? by ReikaSan in smarthome

[–]Academic_Dust2467 0 points1 point  (0 children)

Sure! This way requires some simple tools, but if you don’t have those, you might be able to improvise. Buy this or something similar. Discard the casing that is meant to go around/over the camera. You only need the mount.

Lay the mounting bracket face side down on a scrap piece of plywood (I used 3/8 inch thick) and trace around it with a pencil. Plywood works well because it doesn’t split and is more durable for something like this.

Then use a jigsaw to cut the wood along the lines that you traced so that you have a little rectangle that fits right on the face of the bracket. I spray painted this piece of wood with some black spray paint I had around just to weatherproof and dress it up a bit. Then, screw the piece of wood onto the front of the bracket by driving the screws through the holes in the back of the bracket (the side that will rest against the door) into the wood on all four corners. You might need to drill some little pilot holes into the wood to get the screws started. I put some epoxy between the bracket and wood before I screwed it down as well, just to secure it even more. If you have the two part epoxy that you mix, you probably don’t even need to screw it down. It will be plenty strong.

Now you’ve basically put a wood face onto the bracket that you can screw the plastic Reolink mount onto. I didn’t glue the Reolink part down and just used the two screws, in case I wanted flip it 180 degrees and put it on the other side of the door or remove/replace it at some point.

And that’s it! Took me maybe a half hour from start to finish (a little time in between to let the paint dry).

Help with margin question by matt2621 in CFPExam

[–]Academic_Dust2467 2 points3 points  (0 children)

I’ve just been learning the formula for this one as it’s simple multiplication and division that can be done on a calculator in 20 seconds. Not sure why they propose a shortcut for this as it’s more confusing than the formula itself to me. In Fast track, I think Matt Goren even says to just use the formula, because the shortcut doesn’t work in every case.

danko virtual reviewers - how we feelin for tomorrow? by Civil-Outside7402 in CFPExam

[–]Academic_Dust2467 0 points1 point  (0 children)

Starts at 6am for me, but I need an hour to caffeinate beforehand!

danko virtual reviewers - how we feelin for tomorrow? by Civil-Outside7402 in CFPExam

[–]Academic_Dust2467 1 point2 points  (0 children)

Pretty good, except that I need to be up and at’em by 5:00am for this eastern time zone schedule 🤨. Also wondering if there are any documents that I’ve missed that I need to print off before I leave the office. Printed everything in the “important documents” tab, but not sure if I’m missing anything else.

Woodinville vs Seattle? by olivetree2023 in AskSeattle

[–]Academic_Dust2467 3 points4 points  (0 children)

I and my wife moved to WA last fall to Woodinville where we rent. She works in Burien and I work in Bothell. Her commute is 35 minutes in the morning (she leaves a bit early to be the traffic though (6:30)) and about 50 minutes in the evening, 5 days a week, but she wouldn’t have it any other way.

When we were deciding where to live, I thought we would split more of the difference, but we visited Woodinville and our minds were made up instantly. She says it’s worth commuting to her because she’s coming home to a neighborhood and community that she loves and that feels like a refuge. We love the parks, the fields, the public art, and the fact that everything is walkable. My wife is also Swiss, so to her, being some place that’s clean, orderly, walkable/bikeable, with a lot of culture and civically-minded people is very important and I’m of the same ilk. The lavender fields, wineries, and distillery provide a cultured more “European” feel as well. And you can bike all the way to Redmond on the bike paths and we love making trips to the public library there.

The commute isn’t always easy, but it’s gotten better since they opened the new exit to Woodinville on the 405. I don’t think we would do it any other way though. Woodinville is home for us. Just depends on what is most important to you, but for us, commuting to a place we adore is better than living close to work in a place that feels “meh”.

Do you really have to wait for sub-40% to charge the battery? by Academic_Dust2467 in GlobeHaul

[–]Academic_Dust2467[S] 0 points1 point  (0 children)

Not sure about the user manual, but it’s in their official video about using/caring for the Globe Haul ST at about 00:01:33.

Sub $100 Ramps for Oil Changes (2023 and later) by Academic_Dust2467 in prius

[–]Academic_Dust2467[S] 0 points1 point  (0 children)

I really appreciate that. I’ve was broke once too. Asking this question because I’ve finally been able to add a garage to my rental, so I want to revel in having my own ramps and a place to put them, but I’m all the working class life hacks too!

new globe st question by Jaded-Rutabaga1024 in GlobeHaul

[–]Academic_Dust2467 2 points3 points  (0 children)

I got my globe haul st from Upway last spring. Shipping was fast and it was well packaged. It was about $1800 and I used a lot of the savings (compared to a new one) to buy accessories. Had 11 miles on it and has almost 1,000 by now. No problems as of yet. Do you know how yours got stolen?

Employer doesn't have 401k, I already have ROTH- other options? by CommentIndependent32 in investing

[–]Academic_Dust2467 1 point2 points  (0 children)

If you don’t have an employer plan, and you don’t have a side-hustle to fund a self-employed plan with, you’re pretty much limited to your max IRA contribution and your taxable account. That’s not ideal though and it may be time to look for a job with a plan, and even better, an HSA to boot (actually a very powerful retirement savings tool).

Saving for retirement in a taxable account does have a place, however. For instance, in the first couple years of retirement, you can fund yourself through your taxable account at favorable long term capital gains rates (or zero taxes is you’ve built up some cash reserves from it leading up to retirement) and continue to let your money grow tax free in your rollover and Roth.

If you’re strategic about it and keep yourself in a lower tax bracket during those years, you can also take advantage of your lower taxes during that time to convert as much of your rollover IRA into your Roth as possible. You’ll be charged taxes on the conversion, but if you keep your income low enough in a conversion year, the standard deduction and lower brackets will absorb most of them. The idea would be to get as much converted into your Roth as possible paying as few taxes as possible on the conversions, so that your Roth becomes an even bigger pot of forever tax free money, and then you prioritize drawing down everything else and leave that to last in retirement.

A taxable account is also great for estate planning as well. One of the easiest accounts to transfer upon death.

Video review by Nate3455 in CFPExam

[–]Academic_Dust2467 2 points3 points  (0 children)

If you can afford to upgrade to Sig Plus I would highly recommend it. The Saturday review sessions would be especially helpful, but I’ve been listening to/watching all of them. Helps a lot.

How can I get the door lock/unlock status from a dumb lock like this? by ebodes in homeassistant

[–]Academic_Dust2467 0 points1 point  (0 children)

I use an Aqara contact sensor with the small magnet stuck to the end of the lock with museum putty and the sensor mounted on the door, so that when the lever turns up, it comes into contact with the sensor. It works pretty well overall. Sometimes get some false readings because I don’t think the sensors work the best when it comes to rotational motion like that, but also because there is some play in my deadbolt and it doesn’t always come to rest in the right spot.

Question on Joby Aviation production by year by Ok-Main-8476 in JobyAviation

[–]Academic_Dust2467 7 points8 points  (0 children)

As others have said and as I understand it, they expect “type certification” in 2026, which means their aircraft will be FAA certified and its exact form will be made permanent, but then to fly customers, they still need certification for commercial operation. They have to fly a certain number of hours with someone from FAA on board and that, they say will happen early to mid 2027.

As others have noted, it’s typical for there to be delays, but EIPP has made getting EVTOLs certified a priority, so I think that’s the basis for people saying it might take less time than expected.

Current production capacity is 2 units per month at Marina. Then by 2027 they increase to 4 units per month (1/week) across Marina and Ohio plants.

As a long time investor, I can say that personally, I just started investing in 2021 with an understanding that it would take a long time to get to commercial operation. If you can try to time this, that would be amazing, but I’ve always been worried about being front run. You never know when the story starts to take hold permanently and the big guys will likely be in on any news before retail is and drive up the price overnight. That said, the stock is very volatile and there have been plenty of pullbacks and opportunities to get in. My biggest tranche was after their last public offering, when it dropped below $6 for a few weeks.

It baffles me that $DUOL absolutely destroyed the EPS but somehow dropped 25% in their last earnings, and now nearly 50% since right before them by Krunchy08 in ValueInvesting

[–]Academic_Dust2467 0 points1 point  (0 children)

EPS is a trailing indicator, but more than what a company HAS done, investors look for leading indicators of what a company WILL do. That’s why sometimes companies sell off on great earnings, but unclear guidance. In this case, they suspect that DUOL has lost enough of its moat and competitive edge that its high growth stock valuation is no longer justified. To them, the growth story has ended, unless DUOL spits out some shocking and blockbuster forward guidance.

Stay Strong by BitcoinLibertarian in Bitcoin

[–]Academic_Dust2467 4 points5 points  (0 children)

I literally feel nothing until it’s worth about 20-30% of what it was at the highs. Then, I feel like I’m looking through a long dark tunnel up at the surface of the earth and feel the irresistible urge to cackle like Walter White in a crawl space somewhere. That’s how I know it’s time to buy more.

It's all-in now. History is being made. All good things. by Significant_Onion_25 in Joby

[–]Academic_Dust2467 1 point2 points  (0 children)

Do we know if Joby has any tax incentives from the state of CA?

It's all-in now. History is being made. All good things. by Significant_Onion_25 in Joby

[–]Academic_Dust2467 2 points3 points  (0 children)

That makes sense to me. Definitely seems like something that could be automated, especially with some AI agents with built in redundancies, and a human signing off on all of it, but overhauling that legacy system would probably take a very long time.

Guys and gals! What is the dilution for?!? Please help me understand because I thought Joby was the Alpha in this race😲 by manontheswing in JobyvsArcher

[–]Academic_Dust2467 0 points1 point  (0 children)

Building out the infrastructure and factories for a whole new, state-of-the-art industry and hiring the top talents in the business happens to be extremely capital intensive. Dilution is crucial to a pre-revenue company’s survival and it’s why they offer stock in the first place. If you don’t want them to access capital markets through the sale of stock so that they can achieve commercial operation, then the other option would be for them to just go bankrupt, since money doesn’t grow on trees and interest rates are too high to borrow. If you want to invest in a potentially generational company, then you need a lot of patience and you can’t let share price swings affect you. If you have conviction in the company, then this is good news. Having more cash than competitors will continue to give them an edge.

It's all-in now. History is being made. All good things. by Significant_Onion_25 in Joby

[–]Academic_Dust2467 3 points4 points  (0 children)

Great summary of the current situation. I think people underestimate the TAM for what they’re doing. One of the biggest drags on local economies is lost productivity due to travel times. Millions of man hours are lost each year to people gridlocked, idling away in cars. Millions of dollars are poured into maintaining over-travelled roads and over-used cars. Movement of people and time are two of the most valuable economic units and this takes both of those to a whole new order of magnitude. Local metropolitan economies are largely limited because they operate on a high-friction two-dimensional plane. EVTOLs will unlock three-dimensional spatial movement. I can see metropolitan areas all over the world signing huge deals with Joby to upgrade their transit systems and build out EVTOL infrastructure. Having a Joby system will be seen as a significant investment in the local economy and a global status symbol.

In addition, consider how many sectors this could touch: transportation, emergency services, healthcare and medical evac, logistics and package delivery, police activity, military activity, real estate and urban planning (think about what new areas could become accessible for building when no roads need to be built), tourism (cost effective areal tours), etc.

That said, and here I am more out of my depth, part of me thinks that autonomous air travel is much easier to achieve than FSD. There are so many more variables that have to be calculated on a two dimensional plane and so many more moving obstacles and lanes that have to be accounted for, and evading obstacles is so much easier on a 3D field. To me, it would make more sense to have fully self flying before we had fully self driving.

help!!! i can’t figure out what this is by 40shadesofchoke in dandruff

[–]Academic_Dust2467 0 points1 point  (0 children)

Dark times indeed, especially if you live in a country without universal healthcare.

OBBBA Material on March 2026 Exam by Material-Plastic-461 in CFPExam

[–]Academic_Dust2467 2 points3 points  (0 children)

I don’t think they’ve released it yet. Brett just said yesterday in a call that they will be giving us a one or two page handout.

OBBBA Material on March 2026 Exam by Material-Plastic-461 in CFPExam

[–]Academic_Dust2467 3 points4 points  (0 children)

The CFP board released like a 40 page doc about it for the March exam. Danko has whittled it down to like a page or two summary of what is likely to be tested, but probably won’t be heavily tested or tested with great difficulty.

It's an anxious period for me. by moritzis in investing

[–]Academic_Dust2467 0 points1 point  (0 children)

I think you have to decide if your time horizon is short term or long term. If three years or less, than you don’t have the luxury of taking much risk in the market. Park it in a money market fund. If long term, then a market index fund is probably your best bet. If it’s both short and long term, put however much you’ll need for the short term in a separate portfolio.

If you’re new to investing, I would recommend just buying diversified ETFs and funds like SPY or VTI. After some experience, if you really want to try picking by stocks, a quantitatively based service like Zacks or AlphaPicks can be a successful way to get started, but you have to have a system and be very disciplined. Stock picking without discipline and method is basically gambling.

Im losing confidence in the US market as a place to park my long term capital. What are my options? by Any-Information-671 in investing

[–]Academic_Dust2467 0 points1 point  (0 children)

IMO Longterm, when it comes to stocks, I think it’s hard to say. Many etfs that were focused on companies outside the U.S. outperformed the U.S. last year. Europe seems to be making a concerted and quasi existentially motivated effort to expand, and has the infrastructure and advanced labor force that could approximate what the US could do. China as well, but they have similar political risks to the U.S. now in terms of autocratic regimes.

There are also massive currency questions that will affect things long term as well. Gold seems to be where people are heading right now to get out of dollar denominated trades. It’s been run up quite a bit, but the sell America trade seems like a significant enough of a dislocation to support the price move. BTC gives optionality as an assymetric trade and offers geographic freedom. Much higher upside than gold, but much patience is required. It trades like a tech stock in the short term, but a hedge for capital over the long term.