[Coronita]

I have no idea what you mean here. A safe CD is one portion of my entire net worth. Specifically, it’s where I park my emergency cash and my equity that I cashed out refinanced at 3% for 30 years.

It’s not meant to replace long term IRA/401k investments in index funds.

[Coronita]

Unrelated. I bet some of you guys are wondering how I posted an image

I could tell you, but I would have to kill ya….

🙂

• This reply was modified 1 year, 2 months ago by Coronita.
• This reply was modified 1 year, 2 months ago by Coronita.

[Coronita]

Here’s the one from fidelity. Note, some are callable before maturity… (See column labeled “call protected”)

• This reply was modified 1 year, 2 months ago by Coronita.

[Coronita]

So…. It seems like schwab has some CD’s at 5%…
Fidelity has some at 5.1%

[Coronita]

Yeah, I’m back. Did we solve world peace yet?

[Coronita]

.

[Coronita]

Insurance in general has gone up because underwriters are pulling out of CA. A lot of SFH in fire zones are not getting renewal notices and those folks are finding it problematic to get another carrier to insure them.

In general , Allstate doubled my rental and primary insurance, so I went to Costco who subcontracts it to Foremost( a Farmers subsidiary) that basically gave me a rate similar to Allstate before they jacked it up.

for my primary, my insurance broker found me a policy with American Modern for much less

[Coronita]

[quote=The-Shoveler]We are almost 100% short duration treasuries paying over 4% (some as high as 4.8%) in our IRA’s.

Almost no stocks in any account.

At some point will look to move to long term treasuries.

Sleep much better.[/quote]

Good move. My net worth is roughly split 25/25/50 pretax investment, IRA+401k, and real estate.

My pretax accounts have less than 25% stock. The rest is in money market and short term CDs. My retirement accounts have more stock index funds and also dividend paying companies in energy and consumer Staples. I have less than 10% exposure in individual tech stocks right now, though I’m slowly buying some of the big name techs that have been beaten down quite a bit in really small amounts….

If things hold up, my 2022 return hopefully will be around 1%. It sucks but better than the negative return the stock markets did this year… In the previous good years of the stock market, I didn’t get the the huge returns others did… In the bad years like this year, I’m not losing the amount the markets are this year. So, I think I’m somewhere in between , being that part of me is risk adverse.

I’m keeping my eyes on longer term treasuries and CDs.

[Coronita]

[quote=svelte]Looks like it hasn’t been mentioned yet so I’ll do it now:

Don’t buy through Carvana. That company appears to be about to go under and you don’t want to be in the middle of a transaction when that happens.

Oh, and they seem to have a problem supplying the vehicle title to customers…[/quote]

Their stock tanked from 300ish to $5..should have shorted it.. come on the CEO is a convicted felon. I so missed that one.

My friends were laughing their assses off because they sold their Mazda mx5 to carvana for more than they bought it for preowned, complete with the slipping manual transmission…..they don’t really check over the car….reminds me of carorder.com who gave me a $6000 subsidy check to order an Audi from them instead of direct from the dealer so they could claim I was their repeat customer and add to their “revenue” numbers..

[Coronita]

[quote=scaredyclassic][quote=scaredyclassic][quote=barnaby33]

Genetic tendency. But is it destiny?

Osteoporosis.

Is it preventable w diet and exercise?

Yeah, probably.

Bones. Teeth. Same stuff?

You’re still going to die. Just buy the minivan already. That way when you go postal at Walmart or whatnot and the news describes the shooter as a pasty balding man driving a taup or tan colored minivan, we’ll know it was you.
Josh[/quote]

I’m not balding, strangely. And not pasty, more olive. Be on the lookout for a really skinny jew.[/quote]

The argument “you’re going to die anyway” is lame. I welcome death, swift sudden death. I have no problem with ceasing to exist right now. I do have a problem spending 50k on dental implants and periodontal work.[/quote]

Dentures.

[Coronita]

[quote=svelte][quote=scaredyclassic][quote=svelte]Another option? Buy a used Tesla…their value dropped 10% from Oct 2022 to Nov 2022. That’s enormous![/quote]

No way.[/quote]

I’m with you there. No Teslas in my future either.[/quote]

Ditto

[Coronita]

[quote=The-Shoveler]I like the Prius, but I wish it had more room in the trunk like some Prius-V’s.

I like the Idea of not having to keep searching for a charging station or trying to schedule enough time to make sure I can get to my destinations.

If I had an EV I think I would want to have a second car hybrid probably just in case.[/quote]

I’m not convinced that EV is the end all solution … I think there will have to be some improvement to ICE engines and fuel.

[Coronita]

[quote=svelte][quote=Coronita]scardey.

2023 Prius.

https://www.toyota.com/upcoming-vehicles/prius/section/gallery/slide/2
[/quote]

My kids were talking about the new Prius at Thanksgiving – really a sharp vehicle! Kudos to Toyota!

I’ve been a long-term Prius hater because they were just so darn ugly. I mean purposely ugly. With small wheels even.

But this new one is just the opposite. Every line is very attractive. Especially the sides where that line kicks up to meet the rear bumper seam. And even the way the perfectly square door cuts across that character line where it kicks up.

I always joke with my sons that designers can usually get either the front end or the back end right, but not both. It’s like they have a great concept for one end of the car but by the time they get to the other end they can’t figure out another good design to match the opposite end. Well the new Prius doesn’t have that problem. Front, back, sides, all good! That’s rare.[/quote]

I’m not a fan of the back it could use a little polish. But side profile looks good

[Coronita]

Iihs released it’s latest crash test results about rear occupant safety. Only the Ford escape and Volvo xc40 received good. Toyota RAV4 received acceptable . Everyone else got poor.

https://www.autoblog.com/2022/12/13/iihs-updated-overlap-test-results/

[Coronita]

scardey.

2023 Prius.

https://www.toyota.com/upcoming-vehicles/prius/section/gallery/slide/2

[Author]

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