[Coronita]

This is pretty interesting. check out Amazon’s best selling computer CPUs…. pretty damning if you ask me. it hasn’t been like this for a long time. game changer.

https://www.amazon.com/Best-Sellers-Electronics-Computer-CPU-Processors/zgbs/electronics/229189

[Coronita]

Generally speaking, your house only gives you one cable option for ISP or one landline option for ISP.

For ISP through cable, your choices are really only Spectrum or Cox, not both. Only one provider services your area.

For ISP through landline, it’s ATT because ATT owns most of the landlines in San Diego. Verizon does not service San Diego.

https://www.cabletv.com/ca/san-diego

There isn’t much price competition so your only choice to save money is to switch back and forth between the promotional offers and switch when the promotion ends. Both cable and landline CO’s know this, that’s why they only started to offer the discounted internet service if you bundle with TV service. And if you don’t bundle, sometimes they will data cap you each month to discourage you from using another streaming media/tv service (that was the point of net neutrality where an ISP couldn’t force you buy content from them by making the cost to obtain content more expensive elsewhere).

Anyway, that’s why I mentioned Tmobile’s 5G service as a 3rd option because it’s really the first time in a long time we have a viable alternative that is priced competively. TMobile 5G isn’t really the 5G we are looking for, but it’s a step in the right direction. And the service should get even better once it completely the acquisition of Sprint. Unless you are a power user, TMobile might be a viable option for you. And if you already are a TMobile customer, you might be able to convince them to give you a bundled price.

There’s actually a 4th option but it’s neither cost effective nor is bandwidth great. It’s ISP via ViaSat, but the sattelite link is only good if you live in some rural area, trailer park, or boat, which neither cable, phone, or Tmobile 5G provides service… Or if you insist on having internet access anywhere because you are preparing for the end of the world, as some piggs appear to be.

https://www.viasatspecials.com/lp/internet?zip=92130

I just switched from ATT uverse to Spectrum and negotiated a lowered promotional rate. When it expires, I’ll revisit this again.

[Coronita]

[quote=The-Shoveler]IMO someone would need to pay me 500K a year to live in SF LOL.

Don’t know why anyone is so crazy about that town from the little bit I have seen of it.[/quote]

it’s not a bad gig if you are single.

[Coronita]

TMobile started offering 5G isp service for $50/month
https://www.t-mobile.com/isp/index

[Coronita]

Dow up 250+ on first day of 2020.

Me thinks we are going to have a good year. I am thinking tech and Nasdaq will lead this year. , specifically chip sector.

There will be a chip war between Intel/AMD/Nvidia where the 3 will try to be stealing market share from each other.
Intel will try to hold the line on desktop processors, and try to encroach into the GPU space. AMD will go after the laptop CPU market this year and go after the GPU high end market. Qualcomm and others will be fighting for 5G. TSM will be tapped to make all of this for everyone but Intel, and they will have the process lead for 2020, Samsung will come in a close second.

TSM 2020 7nm capacity is already fully booked until Apple moves on to 5nm in 2nd half of 2020

https://wccftech.com/amd-7nm-wafer-production-set-to-double-in-2h-2020-7nm-capacity-at-tsmc-currently-fully-booked/

[Coronita]

I admit Tesla really surprised me

[Coronita]

From a tax planning strategy, I think I am going to do the following.

I’m going to slightly nudge my traditional 401k/Roth 401k split from 50%/50% to roughly 40/60%. I will be realizing a lot of capital gains in TY2019 but in 2020 I think I will be holding on to things, so not much cap gains in 2020, and given my 2018 taxes were significantly lower than the prior year, I think the same will be true in 2020. So for 2020, I’m going to try pay more income taxes up front and put slightly more in a Roth 401k and defer less to a traditional 401k.

I will increase my maximum 401k contribution mainly into the Roth 401k with the new 2020 limits.

My passive index fund accounts were rebalanced to roughly 30% domestic stock 20% international 25% bonds and 25% cash/money market and that won’t change for now. will continue drip investing about $4.5k/month split roughly 1/2 into a 529k college plan and half into my own post tax index fund account. Asset allocation has been changed to be the same in 401k

I don’t need spectacular returns in 2020. prefer more consistency over the longer term at this point.

Everything else is up to speculation .

[Coronita]

So long 2019! Thank you.

Hello 2020 !!

Lil Wayne is awesome. Now that’s kind of real music I like listening to. Reminds me of my LA youth days, lol

[Coronita]

wait and see in Jan for me 🙂
Drip investing will be fine though.

I need a new pair of of skis and boots. My 22 year old boots finally cracked last year while hiking up the slope to the ski lift and I forgot that I had not replaced them until the day before Big Bear. I can finally replace those ancient 205 length skis for something now parabolic, lol

us old farts are gradually replacing our old stuff that is breaking.

[Coronita]

[quote=evolusd]First, for Pete’s sake please change the cell format to accounting. The finance nerd in me is having an anxiety attack.

Second, don’t you think at some point this government-guaranteed debt funded increase in college pricing will come to an end? Maybe not in the next 5 years, but it seems the path we’re on is unsustainable.[/quote]

I am sorry about the spreadsheet format. that’s why I am an enginerd. Things like finish and polish escape me.

for everyone’s say, I hope something changes, because I agree this is unsustainable.

[Coronita]

I wonder how bad is it for those also gambled on those ultra short 3x S&P 500 or Dow ETFs….OUCH!

[Coronita]

a lot of short sellers got totally buttfked this year.

I’m not long or short on Tesla, but how much are shorts in the red?

Good.

[Coronita]

I’ve been finding a lot of parts for Volkswagon/Audi on Amazon. These are parts made on China, but the funny thing is often these parts that were designed and made in China are better than OEM!

For instance. This stupid OEM coolant temp sensor flange is made out of plastic and sits behind the engine block,right in front of the firewall. After 100k miles, this stupid critical plastic component starts to crack and eventually leaks or spectacularly fails.

Check out this clever redesign of the OEM plastic part.

All metal, no more cracking. $10 more.

[Coronita]

CNBC article about maybe diverting more money into a Roth 401k versus traditional 401k….

same concept I mentioned earlier. Tax on taxable income maybe lower now with all these tax law changes than in the future, so maybe take the tax hit now while it’s a known now, versus unknown later…

https://www.cnbc.com/2019/12/27/why-now-might-be-a-good-time-to-save-in-a-roth-401k-or-roth-ira.html

[Coronita]

Amazon record holiday sales.

Ho ho ho.

https://finance.yahoo.com/m/27caa577-6e87-372d-bfbc-2b2d95471638/amazon-claims-record-holiday.html

I don’t know, but I think the market sentiments have changed. People feel they have more money, regardless of whether they actually do. Seeing an uptick in their 401ks, etc, probably has some positive psychological influences to get people to spend.

2019 certainly is ending with a lot of fireworks… Congrats everyone, with a stellar 2019 market close.

[Author]

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