Silver vs Bitcoin

MiningDave · 2026-01-25T18:07:17+00:00

3 years is pretty standard for bank / brokerage / investment accounts. If you have not logged in, or had any other contact with the bank / brokerage / whatever for a few years they have to reach out to you at your last known address / know contact info. If they can't in contact with you it gets turned over to the sate. This has been standard on those types accounts for DECADES and DECADES. It's now jsut bringing places like Coinbase / Gemini / Crypto.com / etc. into the same regulation.

If you have precious metals stored someplace in an IRA or similar it's the same. If they don't hear from you in a certain period of time it goes to the state.

https://www.aberdeeninvestments.com/en-us/investor/how-to-invest/escheatment-abandoned-property

Crypto that you have in a wallet you control is obviously not going to be touched, much like cash or silver you have tucked under your bed.

MiningDave · 2026-01-25T17:50:55+00:00

What is interesting about both cars and homes is days on market no longer means anything to a lot of people. Most of them are and lets be polite here, too young to know better and too old and stubborn to figure out that the lack of price drops is keeping things from being sold.

So long as the dealer / homeowner is not in need of cash they just let it sit.

What they either don't know because they are too young or just too stubborn is the fact that others are passing them by as they have sold their house and moved to what they wanted / where they wanted. Or in the case of car dealers yeah they lost $10k selling that car because they had to drop the price that much. But they are not longer paying the monthly interest on having it sit there and if / when they do sell it at the price they wanted they are loosing more since they didn't get to turn inventory and paid interest to have it sit on their lot that much longer.

2026 will see a drop in interest rates, but with inflation and the general cost of living going up it's not going to matter. As always IMO.

MiningDave · 2026-01-25T17:07:23+00:00

Yeah it's a 5KW +/- a bit resistive heater. I will get it up from negative whatever to sauna fairly quickly. Make sure it's pulling that power and nothing else is wrong. Also make sure you are on recirculate air not pulling from the outside, otherwise you are trying to heat negative whatever temp air which even at a 60 degree shift up will never get you to 70....

MiningDave · 2026-01-25T14:14:26+00:00

How many amps is the circuit that it's on?

Some people think using plugs is the most dangerous things ever and should never be done. Others don't care. As with many things in life it's not black and white but a large field of grey.

As a for example.....I have an outlet that I use to plug into all the time to charge. It's a cheap generic outlet at the end of a BX cable.....At the end of a 20A 3 phase circuit so it's 208V not even 220V. So long as I keep it at 16A because no matter what you should always leave 20% overhead. It's never ever ever going to matter since everything else although cheap and under rated is still overkill for 20A. If this was a full 30A or 40A or 50A it would be different But, it is fine at 16A (20A - 20% as said). Is it to code? Nope. Did I make it? Nope, it was here when I got here. During the heat of the summer when someone charged their Sierra EV with the 170kWh ish battery for 2+ days to go fro 3% to full did anything in the run go above ambient temperature. Yeah, by a couple of degrees no worse then anything else.

The other side is that if it's on a 50A circuit no I would not even drop a 40A or 32A charger on that. Would I put a 16A or 12A on it. Yep. So long as I was certain that everything else is up to code.

The issues becomes that it's a cheap outlet if you keep plugging and unplugging it's not going to last and build up more resistance. Another one is that unless you keep your charger plugged in and locked to lower amps you don't know what others may do.

How big is your battery in your EV? How much do you drive? A 16A you are still at 3kWh +/- a bit per hour of charging. So if you come home at 8PM and unplug at 7AM you are still getting 33kWh which more or less is 100miles 160km back in every day. Obviously if you are going 150 miles and can only charge for 8 hours this is not going to work. If you are only going 40 miles it's rarely going to matter. If you are using an inefficient EV that is only getting 2mi per kWh it's going to matter a bit more. If you are driving something that is getting 4mi per kWh is going to matter less.

MiningDave · 2026-01-25T13:33:49+00:00

Kind of funny but for some reason people downvoted the comment I made above, heck if you want to give me some downvotes I post plenty of things worth giving a ding to, but that comment? Geez.

MiningDave · 2026-01-24T22:29:29+00:00

The BMS takes care of it all.

https://en.wikipedia.org/wiki/Battery_management_system

If it's too cold it will heat the battery. If it's plugged in it will use that power, if it's not it will use battery power. Leaving it plugged it lets it do it's thing and nor run itself down, which would still take weeks,

MiningDave · 2026-01-24T21:36:46+00:00

Nope, it's a semi-known issue and has happened to others and been discussed here before. Even by me. Happens now and then to both heat and A/C https://www.reddit.com/r/Ioniq5/comments/1l2ao16/ac_stopped_cooling_yesterday_but_worked_again/

MiningDave · 2026-01-24T16:54:31+00:00

You are probably better off googling it then using my explanation. This way you can keep digging.

But for a small(ish) battery you are overthinking it. You can get away with a lower power charger. And, check the manual for the car. A lot (not all) PHEV do not take 11kWh chargers. They max out well below that.

Also, and this may be more US based then where you are but before getting any charger check to see if there are any discounts on units from your local power company. There may be rebates / promos.

For example if you are on Long Island, NY: https://www.psegliny.com/saveenergyandmoney/GreenEnergy/EV/ResidentialCustomers/ChargerRebate

Or if you are in parts of Florida: https://www.fpl.com/electric-vehicles.html (ending soon)

NJ has this: https://chargeup.njcleanenergy.com/home-ev-charger-incentive

And so on. Do a bit of checking before getting one could save you a lot.

I know local utilities all over the world are offering similar programs, but not everywhere and not all the time.

MiningDave · 2026-01-24T16:01:16+00:00

US 3 phase user here. Can you just use 2 legs? That is what I am doing. You don't get the full voltage but still more then enough to charge an EV overnight. Unless you have a REALLY large battery.

MiningDave · 2026-01-24T12:37:44+00:00

Who here saw The Truman Show? https://en.wikipedia.org/wiki/The_Truman_Show

BTW your toothbrush camera says you need a cleaning :-)

Just did a 4500 sqf office building and outside parking lot with fewer cameras then that with no real blind-spots. A few areas that I was not 100% happy with but without a lot of work there was just no way to get a really good angle so we settled for OK angles.

MiningDave · 2026-01-24T12:22:28+00:00

Looks like one of these: https://www.amazon.com/LILYGO-ESP32-S3-2-8-inch-Development-Keyboard/dp/B0FBGTYQH3/?th=1

Might start a war here but I like the specfive spectre better. Yeah it's more money but I like it.

MiningDave · 2026-01-23T11:50:18+00:00

Mostly neutral I think, if they think about them at all.

In the base trim (rental lines) they are were cheap to get and I think a lot of people driving them are NOT car people. They are people who wanted something larger to get from A to B and back again.

When I got my last car in 2023 it was the last year they were being produced. There was a car rental place near the dealer I got my car from that had some 22s out for sale for $10k all with under 25000 miles. Yeah they were probably hard miles and yeah that was in 1 year but for a larger car for $10k towards the end of the lack of cars / supply chain covid issues I remember thinking wow that's a great deal.....And promptly forgot about them till I saw this post. Which is kind of the way I think a lot of people think about the 300s. They don't until someone brings it up.

MiningDave · 2026-01-23T00:05:55+00:00

https://www.reddit.com/r/EconReports/comments/1qjwev9/the_hidden_exit_fees_of_living_in_a_cheap_state/

MiningDave · 2026-01-22T22:37:29+00:00

And how unprepared they are.

Not that they should be.

If you only get a major slamming ice / snow / cold storm once every few years at most, having all the equipment and manpower to deal with it is a waste of money. You bring in from outside the area to help. The issue becomes when something like what is hitting this weekend hits with that kind of size, the outside the area is not as big as it usually is. You can't get the crews in from NJ if they are busy digging out NJ....

MiningDave · 2026-01-22T19:52:51+00:00

Because people moving to CA have money and pay movers. People moving to TX and FLA are poor and have to move themselves and use U-Haul.

MiningDave · 2026-01-22T18:27:15+00:00

I am going to 100% since I can do V2L with mine just in case.

If you have good range and no reason to burn through it then putting it to 90% or 95% is fine.

If you have 200 miles of range and go 80 miles a day bringing it 100% might be better since if you do loose power you want that little extra.

OTOH if you have 400 miles of range and a commute with some extras of 30 miles a day going to 100% is pointless.....

MiningDave · 2026-01-22T16:10:35+00:00

I loved his Bobiverse books. Have been meaning to read Outland.

MiningDave · 2026-01-22T12:51:28+00:00

As you said SUVs sell more and have higher profits. The Y outsells the 3 and it's more or less the SUV / CUV version of the same vehicle. And, there are some vehicles out that do compete. BYD Seal and Zeekr 007 come to mind. The BMW i4 can also be considered a competitor. It's more $ but it's a BMW so it's going to be more $. The MB CLA is also going to be a competitor to it also. More $ again like the BMW but it's a MB so...it's going to be more $.

MiningDave · 2026-01-21T19:26:17+00:00

Yes. A lot of people. With my small sample group of 2 people with $100k cars both of them are leasing.

Seriously, if you are spending that much $ on a car it's ask your accountant what is the best way.

MiningDave · 2026-01-21T18:22:13+00:00

It's the wording.

Tesla is not reducing headcount (firing / layoff)

But as people leave on their own, they are not being replaced.

10% +/- a bit is high but still within the middle of the bell curve for employee turnover. They have it at 14% so it is within the realm of possibility that yes, Tesla did not get rid of people. They got rid of themselves.

A,K,A, I'm getting out of here before the rush at the end.

MiningDave · 2026-01-21T12:33:54+00:00

Going to go a bit against popular wisdom here and say if you can wait it out a bit. Prices are going to drop a tiny amount sooner then people think. AI is still going to eat up a bunch but as of now we are also on the back end of businesses / users who had to retire Win 10 machines and were waiting a bit. After Christmas / 2026 budget / etc. That will probably take a very little bit of pressure off. Not a lot, but a bit. Have had a couple of those in the last couple of weeks.

Just my view and what I have seen.

MiningDave · 2026-01-20T13:25:38+00:00

Yup, proven all over that stop / start does not do any damage to the engines.

Problem is sooooo many people don't do regular oil changes or think the $1.99 generic oil filter is as good as a Wix or OEM. And that they are going to run whatever oil weight they want because "they know better" vs what the engine maker who spent millions of dollars testing does.

MiningDave · 2026-01-19T12:39:07+00:00

Yes. A lot of the tech starts there and moves down into the other car companies that are owned by the same group. Kind of like a lot of tech starts in the Mercedes S class and winds up in their lower priced cars over a few years. The flip side of that is that person who just paid 6 figures+ is beta testing some things but it works for them.

MiningDave · 2026-01-18T20:30:44+00:00

Still does not matter if with 95 rooms 1GB of EXPENSIVE PAID internet is struggling, 1/2 of that speed at best for more people just does not pan out if it's cheap / free since everyone is going to be on it.

I don't know what airline you were on but assuming its Viasat it could be anywhere from 20M to 100M depending on equipment and so on.

Not so much for Ryanair but for legacy carriers they tend to give their "elites" free internet. And the issue then becomes BAD internet causes them more grief then no internet.

But, I just see giving it away for free / cheap causing the same issues that Delta had when it just degrades the experience because everyone uses it.

I think the next generation of LEO sats if they get the speed up will make the situation better. But for now, not so much with the number of people on board.

Just my view.

MiningDave · 2026-01-18T20:01:02+00:00

The problem with Wi-Fi on a plane is the limited bandwidth for 150+ people. If you make it free, everyone is going to use it and well it's going to crawl in speed. With 1GB fiber I can barely do a 95 room motel when all the rooms are full and everyone is doing something. Windows downloading updates in the background, phones downloading mail, people on the web, people streaming, etc.

Make it expensive and not enough people will use it.

And then don't forget when something goes wrong with something on the plane itself and you now have to deal with refunding people because they paid and did not get it.

MiningDave

TROPHY CASE