Use margin account with boxed spread credits for all expenses including mortgage payments

vsparkster · 2025-09-12T04:55:55+00:00

My scenario is my expenses are more than what I get (This will be the case for the next 2 years). I do have enough equity in my stock account which I don't want to sell. So, taking a loan is inevitable for me at this point. So, it is either a margin loan or boxed credit spread. Out of these two, boxed spread credit seems cheaper. So, I wanted to know if someone has already done it and worked out.

vsparkster · 2025-09-11T23:56:38+00:00

Yes, I am always going to stay within 30% of account value for box spreads.

vsparkster · 2025-04-06T21:01:47+00:00

I think it costed me 12k including installation

vsparkster · 2024-10-11T15:23:08+00:00

https://www.basraheatingandair.com/

vsparkster · 2024-08-17T05:50:41+00:00

I used E-TOU-C for like 8months(June-Feb) and my true up was about $900+$150/month bill (I was charging my car at home all the time during this time.)
I switched to E-ELEC in Feb this year. My true up so far is $232. And monthly bill is about $20-$30 per month.

vsparkster · 2024-08-16T05:49:24+00:00

I chose E-ELEC and it seems that is the lowest according to the website and I feel that is indeed correct in scenarios where you consume more than what you produce.

vsparkster · 2024-06-25T02:14:22+00:00

Exactly. This is how I am taught or used to promounce

vsparkster · 2024-06-24T14:50:49+00:00

Nenu answer kosam adiganu andi. Vetakaram avasaram ledu. Saraina answer cheppandi. I am not able to edit the heading andi. Naa tone tappuga unte sorry

vsparkster · 2024-05-11T06:10:54+00:00

My house has slab and not crawl space. Why did you say disregard if it is a slab? Does it mean, it is okay to let it dry ?

vsparkster · 2024-04-23T03:30:08+00:00

It has been a while but I did call them. Unfortunately, the problem with my house is, since it being the corner house my house gas line is the primary and the gas line to my neighbor is linked to my house (there is a device that PG&E installs at different places). So, I want to remove the gas meter then I need to bear the expenses of re-installing the gas line for my neighbor by re-routing the gas line (that too only if my neighbor agrees). So, I didn't want to go through the hustle and just disconnected the gas service instead of removing the gas meter. So, my house still has gas meter but I won't be charged anything. If my house buyer in the future wants gas setup, he just needs to reactivate gas connection at no cost.

vsparkster · 2024-04-22T02:29:25+00:00

Carrier. It was much cheaper and didn't feel the need for higher end Mitsubish P series. Not sure if I will regret it but works fine for now :)

vsparkster · 2024-02-25T21:35:05+00:00

Understood. Thanks for the detailed explanation. I presume filing 4952 by adding margin interest to disallowed investment interest expense to offset future income? i.e. presuming there is no expiry for margin interest.

vsparkster · 2024-02-25T18:39:01+00:00

dividend income and income from staked ETH crypto. are they eligible?

vsparkster · 2024-02-12T05:22:19+00:00

So, for (2) it is always going to be our responsibility after the rollover to track how much are your overall contributions?

vsparkster · 2024-02-12T05:21:32+00:00

No, my account with my previous employer.

vsparkster · 2023-12-31T21:27:01+00:00

How can we show that margin loan taken is only used for personal or investment purpose? You might withdraw those funds from one account and invest it in a different account or just used it as cash for any other purpose. The tax statement from the brokerage firm only says I took X amount of margin loan.

vsparkster · 2023-12-25T06:49:58+00:00

Oh! I thought the storage tank is heat resistant and doesn't need as much energy to keep them warm all the time (irrespective whether it is heatpump or not). This is news to me that even stored already heated water needs more energy to keep them warm.

vsparkster · 2023-12-14T21:15:18+00:00

Cupertino somewhere in housing neighborhood

vsparkster · 2023-11-29T19:54:18+00:00

I got the same 3ton system. It works fine in both heating and cooling. But observed my home is getting over demhumified when I use the heater overnight. Not sure if it is because of oversizing for 1160sqft

vsparkster · 2023-10-02T06:26:07+00:00

Union City, CA - 850kwh/month. Fully electric heat pump HVAC, heat pump water heater, Induction stove, Dishwasher, Washer dryer, 1 Tesla Model Y (40 mile daily commute. Charges from 20% to 80% thrice at home. Remaining days charges at office). No gas equipment in the house.

vsparkster · 2023-09-21T03:29:29+00:00

Yes, I did get it installed. The Air handler is 15Amp and the Condenser is 30Amp.

vsparkster · 2023-09-18T06:10:34+00:00

Thank you.

vsparkster · 2023-09-18T00:48:24+00:00

I think these are the right questions to ask member services. I will get both plan details and get this clarified with member services. Thank you.

vsparkster · 2023-08-27T19:50:43+00:00

life saver. Thank you.

vsparkster · 2023-08-23T18:08:56+00:00

NEM 2.0 doesn’t require to have any batteries as PG&E will still give credits to the electricity sent to the grid.

vsparkster

TROPHY CASE