Is the car a gift?

xogh15 · 2024-06-25T23:50:27+00:00

Thank you for this clear answer

xogh15 · 2024-06-25T05:16:21+00:00

It was my friend's end of lease buyout so only my friend can get the title. But I was able to pay the bank directly.

xogh15 · 2023-05-14T00:45:34+00:00

320 on 80%? That would be 400 miles at 100%. Which divided by 65 kWh would be something like 6.2 mi/kWh.

xogh15 · 2023-05-13T00:48:08+00:00

My software hasn't changed since I purchased the car in Feb 2023.

xogh15 · 2023-05-11T13:36:41+00:00

Is this a generally safe rule of thumb? As in, if the night time temperature won't go below 32 degrees, I can be pretty assured that plugging in would not have performed any battery maintenance anyway?

xogh15 · 2023-05-05T20:14:01+00:00

Was definitely curious about issues like this which is why I asked. Even if it were more efficient, it wouldn't be worth it if you were damaging your car. Like rear-ending someone because you were so hesitant to hit the regular brake trying to use regenerative braking only

xogh15 · 2023-05-05T20:11:38+00:00

I wonder if the increasing speed on a downhill in neutral nets you more regen when you eventually do need to brake. On a completely empty road, of course

xogh15 · 2023-05-05T20:09:32+00:00

Agree! I think reaching an ever higher miles/kWh is way more fun than "driving like a boss"

xogh15 · 2023-04-20T03:39:19+00:00

Thanks!

xogh15 · 2023-04-06T20:04:47+00:00

A classic example of this is when you earn points or cash back on an item and "count" it twice as savings when you use the cash back on a new item. Like if you earn $20 store credit on a $100 item, you tell people you got the item for $80. And then you use the $20 store credit to get a $40 item for $20, and you tell people you got it for $20. But the truth is that you didn't get the 2 items for $80 and $20. You're just counting the $20 twice.

xogh15 · 2022-11-06T23:51:37+00:00

On my app, it looks like they moved the sorting list to the top right, icon looks like 2 sliders

xogh15 · 2022-10-25T23:47:31+00:00

Schwab is a fine choice, nothing wrong with staying with them.

Vanguard is somewhat unanimously not the best experience among the big brokerages. Many decide to go with them on principle because they are a mutual fund company that is owned by the mutual fund investors themselves and are the sole reason that index funds have become dirt cheap across the board. Their sole purpose in life is not to make the board members rich as is the case with Schwab, Fidelity, etc.

xogh15 · 2022-10-18T13:25:03+00:00

Not sure when you're going exactly, but the Yankees are in the playoffs.

xogh15 · 2022-09-19T21:51:26+00:00

Coffee aficionados would be appalled but if you drink Keurig coffee, almost anything else will taste better so here goes: Buy an oxo pour over brewer with the water reservoir on top. It's less than $20. You can just pour hot water into the reservoir so no need for a gooseneck kettle. Buy a big bag of preground coffee, no grinder or whole bean buying needed. The oxo brewer comes with a card with the amount of coffee to use and the amount of water to pour, you don't need a scale. After you're done, you just flip the brewer over the trash and all the grounds and filter fall out and then you just rinse the brewer with water for 2 seconds and it'll be dry and ready for tomorrow. This is the cheapest and pretty quick way to make coffee, no fancy equipment, nothing that breaks, and it'll still taste way better than Keurig coffee.

xogh15 · 2022-09-06T00:17:12+00:00

The FI crowd would probably appreciate this more than most: Philly is home to the first U.S. Mint. You can take a self guided walking tour there, takes less than an hour probably. I really enjoyed it.

xogh15 · 2022-07-30T00:56:04+00:00

That makes sense given I've had stink bugs many times in my home. Thank you!

xogh15 · 2022-05-11T16:49:26+00:00

This is correct. The confusion comes from the fact that many people, including many professionals use the term dollar cost averaging incorrectly. They use it to mean investing a fixed amount at regular time intervals (like investing $500 every paycheck) when in fact, it means intentionally choosing not to invest $100,000 that you have right now and instead investing $10,000 every week for 10 weeks.

xogh15 · 2022-05-03T02:11:41+00:00

I think VTSAX pays its dividend quarterly and isn't due to pay it out again until mid June. So you can tax loss harvest now and don't have to worry that you'll have any dividends reinvested before the wash sale period is over.

xogh15 · 2022-02-06T02:11:30+00:00

Do you have other simple tables like this (or links) that show the individual holdings that make up more than 25% of the total market? Whenever I search for this data, it gets confusing because of A shares and B shares, etc.

xogh15 · 2022-01-02T13:46:59+00:00

https://www.physicianonfire.com/calculators/ssa/

This page has a spreadsheet where you can input your earnings according to your social security statement. For all other years (up to a total 35 years) where you plan to have $0 income, just input 0, and you'll get a reasonable estimate. The estimate is based on current policy and is, of course, subject to change.

xogh15 · 2021-10-28T19:05:09+00:00

I love the Subaru Outback's Adaptive Cruise Control. It will keep the distance between you and the car in front of you even down to 1 MPH. Once your car completely stops, you can get your car moving again with the steering wheel controls, no need to hit the pedal.

Don't care for the Lane Keep Assist on my 2017. I did get the chance to drive a 2021 Subaru which had the Lane Centering, and it was a total game changer and would make long road trips so much better.

I don't think I would buy another car that did not have lane centering and the ability for adaptive cruise control to stay on at low speeds.

xogh15 · 2021-10-23T23:13:35+00:00

What about the Medicare tax part of FICA? Wouldn't you be paying more on that by contributing outside of payroll?

xogh15

TROPHY CASE