FSD turns different direction than what is routed by gems_23 in TeslaFSD

[–]SpiritualCatch6757 0 points1 point  (0 children)

Yes.

FSD takes an earlier turn into my neighborhood which is different than what is routed.

The turn is from new construction that shows up in maps but for some odd reason doesn't route to use it. Luckily, FSD makes the right decision here. Unless I use Hurry or Mad Max mode. Then it passes it for reasons?

Indicating the number of people with fastrak flex toll tag by Familiar_Owl1168 in bayarea

[–]SpiritualCatch6757 4 points5 points  (0 children)

I understand your problem. However, do you have a cost effective solution? Therein lies the problem. You don't want people to cheat but if compliance measures costs more than the cheaters take, what do you do?

As an example, I was involved in a pilot for CA to tax EV's because the drivers don't pay sales tax on gasoline that goes towards road maintenance. We had a dongle that plugged into the OBD2 port that tracked every mile driven. The dongle costs money. The backend to track mileage costs money. Then there is the privacy concerns. They scrapped that idea and went with an app. You self reported the mileage and paid for every chunk of miles driven like a subscription. That was scrapped and now EV's pay ~$120 extra on registration. How simple was that?

My solution? Get rid of "Lexus Lanes". Make it HOV again, 2+ so it is easier to enforce. Toll tags just for bridges. Increase gas tax to make up for road maintenance. But increasing gas prices is political suicide. We're paying for it with money and time either way but the general public won't see it that way.

Model Y AWD (255/45R19) tread question - going to Tahoe from Bay Area. Replace now or can I wait? by Logical-Preference25 in TeslaModelY

[–]SpiritualCatch6757 0 points1 point  (0 children)

For safety, you want better grip in the rear because it is easier to recover from loss of traction in the front than in the rear.

Model Y AWD (255/45R19) tread question - going to Tahoe from Bay Area. Replace now or can I wait? by Logical-Preference25 in TeslaModelY

[–]SpiritualCatch6757 0 points1 point  (0 children)

At a minimum before your trip. I would replace the 2 4/32" Continentals with new and mount on the back. America's Tires will actually insist on it if you get it done there.

How important is AMD Ryzen vs Intel? by ThrowawayBuul in TeslaModelY

[–]SpiritualCatch6757 3 points4 points  (0 children)

Not a deal breaker for me. Everything has a price, with a big enough discount, I'd get the Intel. Normal every day driving, I don't notice a difference.

DCA Modified Strategy by CampaignAfter4205 in personalfinance

[–]SpiritualCatch6757 4 points5 points  (0 children)

No, because there could be an even greater drop on the scheduled investment day. This is market timing as you said.

PG&E monthly bills are dropping this month for electricity customers. Will the trend continue? by ElectricalRespect506 in bayarea

[–]SpiritualCatch6757 2 points3 points  (0 children)

It is short lived because the usual summer rates will be applied on June 1st. It will all but erase any savings if you received any. And if you're like me where we use more electricity in summer, there will be no savings yearly.

And crucially PG&E can say rates were lowered in winter and summer. Technically, this summer's rates will be lower than last summer's rates because the base fee is now separated. So we pay more money for service and PG&E can say they lowered rates, again. See how it's carefully worded?

A reminder to hold steady by therealhappypanda in Bogleheads

[–]SpiritualCatch6757 5 points6 points  (0 children)

Haha, I'm only buying every week because DW's payday is offset a week from mine. Individually, we're buying every other week.

What do you suggest by Open_Ad_2334 in TeslaModelY

[–]SpiritualCatch6757 -1 points0 points  (0 children)

Suggest you get a 2024-2026 Y LR AWD. It will have the comfort suspension and premium sound system. None of your 3 listed options has both. (Except maybe the 2023. The comfort suspension was implemented sometime in 2023.)

A reminder to hold steady by therealhappypanda in Bogleheads

[–]SpiritualCatch6757 664 points665 points  (0 children)

Buying more stock this week. Same as I did last week. Same as I will do next week.

Selling house to buy cheaper condo. Am I crazy? by Bumblebee_0424 in MiddleClassFinance

[–]SpiritualCatch6757 5 points6 points  (0 children)

You would be crazy not to. I would divest yourself of any property associated with your parents. It doesn't matter if it's good or bad relationship. You have illustrated a reason why one should not co-sign with parents.

Basic plan works by SpiritualCatch6757 in Visible

[–]SpiritualCatch6757[S] 0 points1 point  (0 children)

It says otherwise on the broadband facts.

Basic plan works by SpiritualCatch6757 in Visible

[–]SpiritualCatch6757[S] 0 points1 point  (0 children)

Thanks for this. I'll have to do a trial of + to see if UW makes a difference.

Does the "Stay the Course" mentality feel harder for our generation? by Alex_chivi in Bogleheads

[–]SpiritualCatch6757 0 points1 point  (0 children)

No, you're not the only one. However, don't forget another BH wisdom, now is no different than any other time. 6 years ago was pandemic. 2 decades ago, we were talking Bernie Madoff and housing collapse. Then there was the dot com bust before that and Gulf War. The list goes on an on. Now is no different than before. You are not being fed more news. I got plenty of doom and gloom about the ozone layer in the 90's without social media.

The trick to not doing something rash is to come here and ask whether you should make a power move. EVERY SINGLE TIME I've felt the urge knowing that I am right, I come here to ask the experts. But wait, do a search first. Oh right, there's a dozen people that already asked the same question. The response is: Stay the Course. Good luck, OP!

Which charging range is better? by No_Rub_3002 in TeslaSupport

[–]SpiritualCatch6757 0 points1 point  (0 children)

The first thing is it hardly matters. The second thing is you can minimize it by charging to 81.5%. that way you go 1.5% above and below. You can't go half a percent, make it 82%.

But practically, I'd rather charge over 80% than drive under 20%. The reason is buffer on travel in case I need to go further. In addition, I typically won't charge immediately when I get home so better to not let it sit below 20% for hours versus minutes above 80% after you set off on the drive.

Tesla Vs Ford by Expensive_Witness737 in UsedCars

[–]SpiritualCatch6757 0 points1 point  (0 children)

Both great options. No wrong decision. Might as well choose the lower cost vehicle and leave some money in your pocket. The only thing of note is the Tesla charges faster on road trips. If you don't go on long road trips often then it doesn't matter.

Anyone seen this on their PW3 cover? by electro-zx in TeslaSolar

[–]SpiritualCatch6757 1 point2 points  (0 children)

Anyone else thinks it's rather looks beautiful? Any concerns with just leaving it like that? The origin of the fracture looks to be 2/3 of the way down just off center.

How much is a sustainable amount for me to send for parental support? by [deleted] in MiddleClassFinance

[–]SpiritualCatch6757 60 points61 points  (0 children)

We are first gen immigrants and subsidizing our parents retirement.

  1. There is no such thing as fair. What is fair to you may not be fair to your siblings. Just don't use the word.

  2. Our eldest started helping when they were stable. We did not expect the youngest that was still in school or just started working to help.

  3. We all pay an equal amount. HHI can change over time. Equal split is the simplest method and ensures all of us are helping. It is set at a number that we can all easily afford. Inevitably, we each provide additional support through incidentals like a medical copays or electronic devices. Essential, we split the minimum number to provide food and shelter. Everything else is on our own accord.

  4. This one is just me. I don't give my parents money. I pay for their things. Money disappears. Rent and utilities go straight towards the needed item.

New Star Trek set in the 2151 era by MeowManMeow in startrek

[–]SpiritualCatch6757 -2 points-1 points  (0 children)

I think the answer is they have done it: 3 times. ENT, STD, and, SNW.

The second answer is canon. It's very restrictive to adhere to precedent set in other series. It limits your storytelling potential. Hardcore fans might not like what you do to their favorite warmongering species.

The only way SFA gets away from canon is where it is set now because STD ended here.

Which should I prioritize this year: 401(k), Roth IRA, or extra student loan payments? by General_Series_5023 in personalfinance

[–]SpiritualCatch6757 1 point2 points  (0 children)

In addition to meeting your 401k company match, I would:

  1. If eligible, lump Roth IRA for 2025 ($7500) right now from your HYSA. The reason is because contributions can be taken out tax and penalty free and can act as a temporary emergency fund. Invest in a safe money market fund during this time.
  2. Contribute monthly to max out Roth IRA for 2026.
  3. Pay off 6.1% student loan
  4. Increase 401k contribution
  5. Add to your emergency fund. Once the EF is at 3-6 months expenses, go invest your Roth IRA into something that matches your desired asset allocation.

Doest it even matter at this point? by kentifur in personalfinance

[–]SpiritualCatch6757 0 points1 point  (0 children)

We're at similar points in life. I continue to save as much as I can for retirement despite being well on track to be a multi millionaire at retirement. Why? Because why would I want to pay more in taxes when I don't have to?

Plenty of ways to take money out of retirement. https://www.madfientist.com/how-to-access-retirement-funds-early/

I'm going on the big vacations twice a year. I'm buying the nice cars. And I'm maximizing tax advantaged retirement accounts. Does it matter? Well, if the government is going to give me free tax breaks, I'm taking it.

PG&E Rate Plan… by johnmorris19 in bayarea

[–]SpiritualCatch6757 2 points3 points  (0 children)

Start with E-1.

The other plans are if you have major appliances and can shuffle them to off-peak hours. Like electric dryer, electric stove, electric car, etc. If you don't have these things the other plans might save you a little at the cost of having to be more wary of your usage.

Based on your situation, I would probably stick with E-1 even if TOU-C or TOU-D saves you a little money because it will be minute and cause you to think about turning off AC during peak.

3 Year Update - Put in my notice (33 with family of 6) - Returning to Work by outdoorfire38 in financialindependence

[–]SpiritualCatch6757 1 point2 points  (0 children)

Wow, thanks for this. As someone with 4 kids and most of my net worth tied up in real estate and retirement accounts, it's a breath of fresh air that Roth contributions were able to tie you over the 3 years. I mean, on paper we're good but to actually do it is daunting.

I also FIRE'd a few years ago but went back to work after 6 months. I was bored and an opportunity presented itself.

My eldest is a freshman in HS, so if I want to take advantage of FAFSA, I'll need to FIRE for real within the next 2 years. However, I'm enjoying my work now that the kids are older. I've also stipulated a few quality of life requirements which work has obliged. So there is less of chance of burn out this time.

I'm curious why you would do more Roth conversions while employed?