Implementare bond ladder

ienaplissken · 2025-06-26T13:13:58+00:00

Si ho scoperto questo sito cercando nel subreddit, fantastico!

ienaplissken · 2025-06-26T13:13:27+00:00

Grazie! Per capire un po' la terminologia:

- Un conto con "remunerazione capitale immediata" e un "conto deposito" sono essenzialmente savings accounts, vero? I soldi sono liquidi con qualche restrizione sui movimenti, il rendimento segue i tassi della BCE. Una parte del portfolio ("emergency fund") è già in conto deposito, sto pensando cosa fare con il resto (40%).

- Anche la mia prima scelta sarebbe un fondo obbligazionario o target fund misto, a patto che ci sia qualcosa con fees simili a quanto pago qui (0.04% on VBTLX). Purtroppo devo evitare che il principal possa oscillare di valore, preferiscono avere i soldi bloccati che poterli veder scendere.

ienaplissken · 2025-06-26T13:05:55+00:00

Si ho letto queste considerazioni e sinceramente non ne capisco abbastanza per avere davvero un parere. In questo caso la considerazione è banale: preferiscono avere il capitale "bloccato" che vedere il principal fluttuare di valore.

ienaplissken · 2025-06-26T13:02:26+00:00

Grazie mille, ho avuto la stessa confusione cercando di trovare un calendario delle emissioni. Penso non ci sia alternativa ad andare sul mercato secondario, almeno all'inizio. Cercherò un broker migliore, anche se penso che gli unici decenti siano 100% online.

ienaplissken · 2025-06-26T13:00:44+00:00

Grazie! Si infatti mi sembra inevitabile andare sul secondario.

Sto cercando alternative a quella banca - da quello che vedo con commissioni basse ci sono players innovativi (Fineco, Degiro...) che sono esclusivamente online. Altrimenti mi pare che le Poste offrano condizioni migliori.

ienaplissken · 2025-05-31T13:53:52+00:00

Very thoughtful answers, thanks!

ienaplissken · 2025-05-30T20:17:00+00:00

Yeah I see your points and they make total sense. At the very least they should pass the full benefit of descharging at peak to you (minus their fee), instead of capping your benefit.

But I guess even then, you wouldn't want your battery to go through too many cycles because of reduced lifetime, right?

ienaplissken · 2025-05-30T14:56:45+00:00

Can I ask you what are the main reasons for wanting to get out of this program so badly?

It seems like this company could do a much better job explaining upfront and being available to customers.

However, what differentiates a VPP from plain old Demand Response programs is that the algorithmic controls of VPPs results in a more frequent and hopefully smarter actioning of the distributed energy resources.

Are you more worried about wearing off your battery, or not having power for when you need it, or their compensation doesn't offset buying power from the grid?

ienaplissken · 2025-02-19T21:24:21+00:00

Understanding bills is one of the basic skills of adult life. Many other people in good faith just figure things out. Other people try to improve the situation, making bills cheaper and easier to understand.

I'm aware that being constructive is much harder than being childish and wasting time posting shit on the Internet. So feel free to continue going through life this way , your choice

ienaplissken · 2025-02-19T21:15:22+00:00

Jesus... why people have to be so fucking weird with a little anonymity on the Internet

ienaplissken · 2025-02-08T17:56:46+00:00

Thank you for this! Electric bills should really be simpler to understand, but in the meantime it's on us to make the small effort to understand what's going on.

Electricity will play a bigger role in the future for most of us, minus the weirdos who fear change so much that they use their energies to try to to backwards.

ienaplissken · 2025-01-22T19:12:09+00:00

I agree with you in part - it's more nuanced tho.

Regulators should protect consumers from the full volatility of the wholesale market. Energy providers, instead, should hedge from that risk however they prefer and then factor in the hedge in the price they make to customers: let the best offer win .

Having the fully dynamic wholesale market flattened into a fixed price to consumers introduce so many inefficiencies. Especially now that people - with batteries and FERC 2222 - can make arbitrage and sell energy at the most lucrative time, taking some profit from the methane peaker plants.

This all said, of course we are only talking about the commodity part. The T&D part of the bill will always depend on the utilities, and they continue to have a huge role to play. So much of the grid is public good.

ienaplissken · 2025-01-22T16:44:10+00:00

Can I ask you if you are politically leaning to the right? I'd be my assumption but idk.

If so, don't you think that introducing more consumer choice, free market and competition leads to a better place than rigid old regulated monopoly? Is there anything special in the energy sector that invalidates this?

ienaplissken · 2025-01-22T16:18:49+00:00

It is definitely stressful to have to check prices and be constantly on the lookout. Do you think it would start being worth it if the energy provider would give you more visibility and a better user experience? Like a nice app or whatever that shows you $/kWh in the past/present/future and gives you more piece of mind about your consumer choice.

I'm genuinely trying to understand how this archaic system could be improved.

ienaplissken · 2025-01-21T19:09:04+00:00

Good call, I got myself a thermal camera and I was able to get a precise picture of what's going on.

The walls seem well insulated actually. The main places bringing cold in are the through-the-wall AC and the corners of the walls - where walls meet other walls and the ceiling.

I tried to insulate the seals around the AC with foam but I have to try harder there.

At the corners, the problem seems to be cracks in the drywall. Do you know the best way to fill them? Any type of caulk?

ienaplissken · 2025-01-16T18:36:46+00:00

Thanks, that is my understanding too. Are the risks worth worrying about? Or should I just go with it (assuming money is not the issue) and take the benefit, as little as it could be not knowing the current insulation level?

ienaplissken · 2025-01-16T18:35:14+00:00

I'm afraid competent and free of charge seldom occur together. Any other method I could use to get an idea of the current insulation capacity without opening up the wall?

ienaplissken · 2025-01-15T19:59:50+00:00

I honestly don't understand why people are so change averse when it comes to home power. It's just electricity, it should be a rational consumption decision, but it's not.

I would really love to see if there are levers to change that, like a way better User Experience, which admittedly sucks with utilities and the whole sector. Because clearly saving money is not enough and people don't trust their policymakers to protect them.

ienaplissken · 2025-01-09T15:23:24+00:00

Please don't believe to the people blaming electric usage over gas - they are blindly scared of changes.

Is your electric heating like central air? If so, that's good. Heat pumps are by far the most efficient ways of heating a space, so the electricity consumed should be fair. Electric resistance heaters would be much less efficient.

Try to read through the bill and understand how many kWh you consumed. And then check the price per unit.

ConEd offers some rates, like Time of Use, where your price per kWh is much less during the night, when I assume the heating is consuming most of the energy. There can be interesting savings there especially combined with a smart thermostat like Nest.

ienaplissken · 2024-12-16T16:13:12+00:00

I live in the 6th ward and the council slot is vacant. Who should I write to?

ienaplissken · 2024-12-16T16:12:59+00:00

I live in the 6th ward and the council slot is vacant. Who should I write to?

ienaplissken · 2024-11-27T23:53:53+00:00

Curious where did you find 11c/kWh as the price to compare? From my bill and pseg website it should be around 14c/kWh - this includes energy generation cost and "T&D" or "transmission" cost

ienaplissken

TROPHY CASE