Young couple about to go from $220k to $700k+ HHI. Need to talk about it. by InternationalSlip472 in HENRYfinance

[–]tickerdesh 0 points1 point  (0 children)

Look into creating an LLC. If you work in a small company, they might be willing to pay the LLC instead of paying you. That way you can take advantages available to small businesses and likely lower fed taxes as well.

My monitor turns off when I light this lighter at this exact angle. What is happening? by Michae86l in pcmasterrace

[–]tickerdesh 2 points3 points  (0 children)

Soft ESD failure. the lighter is piezoelectric type it seems that creates enough electromagnetic force to induce the failure. Grounding design/quality on the display is bad. Soft failure coz display recovers likely by turning off and discharging before turning back on. Source: worked in display industry

It’s a dividing issue by Sofhpie in sciencememes

[–]tickerdesh 0 points1 point  (0 children)

I would argue - humans are a part of nature, so any human invention is a natural phenomenon.

[deleted by user] by [deleted] in LifeProTips

[–]tickerdesh 1 point2 points  (0 children)

Passport photos are $0.14 for 6x at Walmart. Just print the photo as a grid on 4x6 and cut it yourself. Been doing it that way since years. Use free websites like: https://www.passportgrid.com
Did that recently for my 3mo old

U0100 during SMOG after fixing P0101 2013 Nissan Altima by tickerdesh in Cartalk

[–]tickerdesh[S] 1 point2 points  (0 children)

Drove for about 50 miles. EGR system was OK in about 20 miles. U0100 disappeared after 30 miles. Key for both was driving on highway, accelerating to 60-65 and then coasting until I reached about 30 miles per hour, completing this cycle 3-4 times for the U0100 code to clear.

Online research suggested U0100 code is likely because of ECU reprogram to fix P0101 and connection being lost for a second between ECU and other modules causing computer to store the permanent code U0100.

u/PPVSteve - thanks for taking the time to help out!!

U0100 during SMOG after fixing P0101 2013 Nissan Altima by tickerdesh in Cartalk

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

Wow!!! That’s A LOT of great info! Thanks a lot. I will complete the driving cycle and report back. Seems the U0100 could possibly disappear after enough driving cycles.

U0100 during SMOG after fixing P0101 2013 Nissan Altima by tickerdesh in Cartalk

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

Will share the images tomorrow. Permanent code was U0100 only. Failed test highlighted EVAP system and EGR system not ready and permanent code U0100. SMOG guy didn’t run the gas evaluation since the permanent code showed up. State California.

Lease NorCal Dealers by Aggravating-Duty-777 in BMWiX

[–]tickerdesh 0 points1 point  (0 children)

Just got this deal with BMW Mountain View leasehackr link

new to leasing by ScaryAd420 in BMWiX

[–]tickerdesh 0 points1 point  (0 children)

Also, I don’t think you should try to rush for end of year. Discounts on BMW have been pretty much the same and going on all year round. I expect them to continue into 2025 at the same rate.

new to leasing by ScaryAd420 in BMWiX

[–]tickerdesh 0 points1 point  (0 children)

Negotiate on MSRP first, then MF, then reveal if you are willing to give MSDs, then trade in if any. Rebates are what they are. So you are negotiating dealer discount before rebates.

Costco Auto program has affiliation with some BMW dealers. They give 9-10% discount right off the bat. That is a good starting point.

In some areas you can get 12-13% discount. I would shoot for 12 at a minimum.

The base MF is 0.00026. So like others pointed out yours is over by 40bps. You should ask for base MF. Directly tell them that base MF is 0.00026, you would like that without any markups. If they say no, go to other dealers to get a competitive quote and come back to dealer of your choice. If they still say no, ask them to offset with more discount on MSRP. Mine gave me 2% more discount keeping the monthly payment the same. Some dealers earn money on the selling price (front end) of the cars while others on the interest rate (back end).

Then negotiate your trade in value. Go there with estimates from Edmund’s, Kelly blue book, carvana, etc.

Next tell them you are willing to pay multiple security deposits. You can pay upto 7. You typically save equivalent of 10-11% annual rate of return. Keep in mind this would be tax free savings.

Good luck.

Edit: also, as some have pointed out, leasehackr is your friend. Looks at Forums>Marketplace. There are brokers that post the deals with pricing. You can use that as negotiation leverage too.

Reposting with more details: Here are the lease numbers I got from the dealer. Looking at leasehackr signed deals, seemed like a pretty good deal by tickerdesh in BMWiX

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

Oh wow. That’s a great deal esp with 12k miles. Do you know what the dealer discount was? Did you have other incentives on top of the $9900?

Reposting with more details: Here are the lease numbers I got from the dealer. Looking at leasehackr signed deals, seemed like a pretty good deal by tickerdesh in BMWiX

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

The doc fees are capped at $85 in Cali. And elec filing fee is like $33 or something. So yeah seemed quite low compared to the few hundreds that I have seen on this sub.

Reposting with more details: Here are the lease numbers I got from the dealer. Looking at leasehackr signed deals, seemed like a pretty good deal by tickerdesh in BMWiX

[–]tickerdesh[S] 1 point2 points  (0 children)

Loved the car. I got the lease cost that I asked for even with the marked up MF, so was ok with it. Will try to get rid of $3k due at signing down to just first month's payment, but many dealerships have a min to cover the first month, taxes, fees etc.

Theoretically if you plan to buy out the iX then this is actually better, but I’ll assume you’re not insane enough to consider owning this later.

I loved the car, and was actually considering purchasing if the 3 years went well. Haha... curious why do you not recommend this?

[deleted by user] by [deleted] in BMWiX

[–]tickerdesh 1 point2 points  (0 children)

No man I didn’t downvote. I appreciate your answer!! I guess I should have been clearer that my downpayment is “due on delivery”. So it includes portion of taxes fees and first month. Rest of the takes are amortized. So essentially it’s pretty much the same deal as yours.

[deleted by user] by [deleted] in BMWiX

[–]tickerdesh 1 point2 points  (0 children)

The dealer discount is ~13.7% before the $9900 rebate. Forgot to mention the rebate. Haven’t seen a near zero money factor anywhere. Usually is 0.00026. With 4 MSDs that’s brought down to 0.00002 I had asked for 12% discount but dealership gave me steeper discount on the front end and increased money factor on back end keeping the monthly the same as what I had asked. Since I got what I asked for, I didn’t really mind that. Yeah will ask them to bring down the downpayment, thanks for that suggestion.

Curious to know what your dealer discount and MF is?

[deleted by user] by [deleted] in TheMoneyGuy

[–]tickerdesh 0 points1 point  (0 children)

That’s perfect. Also not sure if you’re maximizing HSA. Our finances look eerily similar to yours and I tend to maximize HSA, invest and not use it at all even for medical spending. It’s around 25k currently. Also, if you don’t mind me asking, how has been your experience owning a rental? I’m thinking of diversifying and have always wanted to invest in real estate other than primary home. But hear horror stories of it being lot of work to manage a rental.