[teaboy]

[quote=gzz]
If I grabbed the no-fee 250k cash out offer, the interest on my cash out would be $4687.50 the first year and the EVM tax free Cal muni would pay $10,600, resulting in an after-tax gain of $5912.
[/quote]

gzz,
I’m not too familiar with muni bonds, but i just wanted to confirm how you calculate the distribution of $10,600 here?
The EVM fund overview (https://funds.eatonvance.com/california-municipal-bond-fund-evm.php) showed the last distribution was ~4.25%, which would return $10,600 on an investment of $250,000. But, after the total expenses/fee of ~2.12%, wouldn’t the actual cash distribution be reduced to ~2.13%, which would pay only $5,325, not $10,600?
Also, this assumes the distribution rate of ~4.25% continues for the next year and beyond, right?

tb (confused newbie)

[teaboy]

I’ve been shopping for solar for a couple years now, but it’s never made financial sense, since i dont use much a/c & dont have EVs…

But 4 things have changed recently:
1. Hotter summers and older, whinier kids have increased my a/c usage.
2. SDGE Rates have gone up, pushing my monthly electricity bills to $100-$120.
3. I have my eye on a R1S, Canoo, or maybe even an X in 2022.
4. I’m considering DIY’ing the Solar to cut costs considerably.

There’s a few companies out there to help with Solar DIY, like solarwholesale.com & projectsolar.io
I’m currently moving forward with the latter one. If I decide to be lazy or get into trouble with the DIY, projectsolar also has a licensed local SoCal roofing installer who can do it for me for $1250.

Does anyone have any experience of doing a DIY solar install?

tb

[teaboy]

[quote=scaredyclassic]i went to buy something, waited a few days, thing went up in my cart. softstar shoes. seems like the stuff I buy definitely is going up.[/quote]

-If it goes up in price in your cart, you think “shit, i better buy it before it goes up more”
-If it goes down in price in your cart, you think “shit, i better buy it before it goes back up again”

What do we learn from this? Well, maybe we should all have a piece of AMZN in our portfolios…

tb

[teaboy]

Hate to be the realist here, but does anyone think the political dynamic and news cycle will substantially change with a Biden presidency?

Plenty of articles out there ruminating on what might happen…
https://www.politico.com/news/magazine/2020/10/30/imagining-post-president-trump-433704
“From profiting off his lifetime Secret Service protection to trolling the Biden administration by cozying up to dictators around the world, Trump’s stint as ex-president could be as disruptive and norm-busting as the last four years have been.”

…

I will certainly be happy if he and his fam are kicked to the Pennsylvania Avenue curb come January, but I also feel that the collective liberal ejaculation over a Biden win may prove to be quite premature.

Bit like all the unrealistic expectations on a vaccine approval quickly making things go back to the way they were pre-COVID. Just pure disillusionment for the majority of the (naturally optimistic) general population.

tb

[teaboy]

[quote=svelte]
That would hold true if one views a month-to-month (or a year lease) as a permanent contract between a landlord and tenant.

I do not, nor does the law in most locations. All terms are subject to change at the end of the month or lease.[/quote]

That’s a valid legal argument.
However, I was referring more to the spirit/purpose of the two respective laws.. i.e. to prevent folks being forced out of their homes due to (greater than normal inflationary) cost increases, out of their control.

tb

ps. of course, spirits are, by nature, wispy ethereal old things, aren’t they? 🙂

[teaboy]

[quote=svelte]Guess I’m not really in favor of rent control. [/quote]

Isn’t rent control simply the proletariat’s version of prop 13?

So, if one is against rent control, one should be just as vehemently against prop 13, right?

tb

[teaboy]

Hey Coro,
I’m having a hard time reading thru all the small print, but are the furlough UI payments you’re getting only for employees of companies with 500 people or less, or can anyone claim?
😐

tb

[teaboy]

Effectively, Merchants simply increase their prices to pay for the interchange fees.
So, it ends up being another tax on poorer folk who can’t or don’t have credit cards.

Another driver of inequality, which ultimately will be the end of all of us.

I can’t talk, tho. I have a card which pays 2.5% on all purchases. It was even 3% the first year.

Guilty as charged,
tb

[teaboy]

[quote=Coronita]So……Here’s something funny that happened at work. We had to furlow some people at work for 1/day per week back in end of March, or reduce their hours by 8hours/week[/quote]

Question.. are those employees exempt or hourly? If they’re exempt, why did your company have to cut their hours at all?

I’m exempt and my total pay was reduced by my company by 7%, without any formal reduction in my hours.

tb

[teaboy]

I guess any endgame should start with a definition of what constitutes an “end.”
Tb

“How Pandemics End”

[teaboy]

it’s kinda frustrating seeing the same bullsh*t case numbers reported ad nauseum.
I just found this interesting article in the NYT looking at total deaths from all causes in 2020, which seems a much better indicator than the COVID-19 specific figures constantly referred to elsewhere.
https://www.nytimes.com/interactive/2020/04/21/world/coronavirus-missing-deaths.html

Would love to know if these total death numbers are available real-time anywhere, like these here: https://www.worldometers.info/coronavirus/

tb

[teaboy]

[quote=sdduuuude]Pretty much all sports injuries are best treated with RICE = Rest, Ice, Compression, Elevation.[/quote]

Yeah, but based on what clinical results was this adopted?

tb

[teaboy]

Rice heating pad or another type? What’s the consensus on the best type?

Also, what’s ur opinion on ice-ing painful joints? I’ve never been able to find any scientific literature on why ice-ing is beneficial.
Since inflammation & swelling are the body’s natural response to injury (honed thru evolution) doing anything to prevent/reduce that response seems counterintuitive to me.

tb

[teaboy]

“The coronavirus crisis could end in one of these four ways”
https://www.theguardian.com/commentisfree/2020/apr/08/how-will-the-coronavirus-crisis-end-lockdown-pandemic

tb

[teaboy]

[quote=svelte][quote=teaboy]Up-to-the-minute numbers of deaths per country are readily available, but does any have a source with breakdowns by age or other factors?

Tb[/quote]

https://www.cdc.gov/nchs/nvss/vsrr/COVID19/index.htm%5B/quote%5D

Thx, svelte. Although this is only USA data. The only other data I find is 6+ weeks old and mostly from China: https://www.worldometers.info/coronavirus/coronavirus-age-sex-demographics/
Does anyone know of a more global dataset?

WRT USA data, https://www.cdc.gov/nchs/nvss/vsrr/COVID19/index.htm,
can someone help a dumbass like me interpret this data?
1. How do i calculate mortality rate by age group?
2. The “Percent of expected deaths” is less than 100% for most weeks. Does that mean that, even with COVID-19, the USA is experiencing fewer total deaths than previous years?

tb

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