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  1. genna

    Investment question (using brokerage account to fund a Roth IRA)

    General advice - diversify, sure. But the book would be a lot shorter :). Most of the advice of how to pick a mutual fund really does not apply to ETFs. They are un-managed and clearly defined. You always know what you are buying. There are also a lot less of them than mutual funds.
  2. genna

    Investment question (using brokerage account to fund a Roth IRA)

    I wonder how the mutual funds advice in this book holds up in the face of ETFs that did not exist back when the book was written. Cheaper with a lot more direct control(that can be good or bad). Something that Vanguard itself promotes heavily.
  3. genna

    Investment question (using brokerage account to fund a Roth IRA)

    While 40% is rather high, don’t forget state taxes.
  4. genna

    Investment question (using brokerage account to fund a Roth IRA)

    nothing wrong with investing for current income before retirement, just mixing the two is not very good strategy. Too much taxation There is a number of S&P index ETF out there. VOO is another. There are also DOW and NASDAQ ETFs
  5. genna

    Investment question (using brokerage account to fund a Roth IRA)

    The simple answer to your question is “yes”. But this is convoluted. Is your plan to invest in brokerage account to generate income to then invest into Roth? That seems like an unnecessary step. Including unnecessary taxes in between. Brokerage investment is really for income generation. In a...
  6. genna

    Investment question (using brokerage account to fund a Roth IRA)

    Couple minor points. And I’m not an expert 1. You’re taxed in broker account not when you withdraw, but when you sell. Also this can get very complicated with gains and loses if you trade a lot. Be careful 2. It’s not 40% within a year. It’s taxed at your normal rate. Same as your other...
  7. genna

    Is that a V8 under your cowl? Or are you happy to see me?

    I can assure you that modern cars/engines are designed to reliably deliver a lot more than 70 hp for days at a time. Escalade needs about 140hp to travel at 100mph. something it can do for hours. And car’s engines do not live in a much easier steady state. as far as planes, most cruise at...
  8. genna

    Is that a V8 under your cowl? Or are you happy to see me?

    well. That’s a different problem. 150 is 1. Old. 2. Problematic with UL, 3. Problematic with available panel or just not worth updating to anything useful beyond basics. and ratty paint may be cheaper, but now we are going to unappealing for most would be pilots And it’s still not cheaper than...
  9. genna

    Is that a V8 under your cowl? Or are you happy to see me?

    It's not that I think that you are wrong. I think that what you say makes perfect sense and I listed basically the same reasons why there is no demand for this in a private use piston GA. But this is the attitude that left GA engine tech so far behind. Or would have no aviation at all. The...
  10. genna

    Is that a V8 under your cowl? Or are you happy to see me?

    For a private pilot the cost proposition does not make sense. Spread over some 20 years it is peanuts compared to the cost of the plane. You'd have to sell it on tech proposition(full FADEC, engine monitoring and control, stuff like that). For that you need specific types of people. The...
  11. genna

    Is that a V8 under your cowl? Or are you happy to see me?

    Exactly the problem. This is why private market piston planes is a waste of time, money, and effort in the current environment. But Flight Schools could make a huge difference.
  12. genna

    Is that a V8 under your cowl? Or are you happy to see me?

    I realize that this is not a piston engine, so delivery of power is very different, but Teslas have been using single speed transmission reduction(kind of like PSRU) for its cars with ridiculous amount of torque for many years. And many hard launches. I have not heard of a lot of issues.
  13. genna

    Is that a V8 under your cowl? Or are you happy to see me?

    Absolutely. The thing is, lots of this is relatively old technology or design. Even in auto world. Stuff from 15 years ago is ancient. In the early 90s you had to go to horribly unreliable supercars to get even near 300hp. Today that's a Camry power. Those same(brands) supercars produce...
  14. genna

    Is that a V8 under your cowl? Or are you happy to see me?

    Personally, if I were building an EAB and this option was available to me with solid support and long term run data, i'd be all over it. But I know I'm a minority and I'm also not building anything
  15. genna

    Is that a V8 under your cowl? Or are you happy to see me?

    Theoretically, I completely agree with you. Practically, market is too small. There are simply not enough willing people to do any of it in any reasonable time frame. So it is a catch 22. Prohibitively expensive to develop because not enough people are willing to pay to develop or test or...
  16. genna

    Is that a V8 under your cowl? Or are you happy to see me?

    My view on this. I agree with you. Partner with Vans as an optional engine and see how it goes. Having said that, I have a feeling that it won’t go anywhere. The prevailing GA pilot’s attitude (even in EAB): “I do not want to be a test monkey for a different engine”. There are many reasons for...
  17. genna

    Could this be a common feature of automated phone systems?

    Which is why the robot's reaction surprised the hell out of me. 0 didn't work.
  18. genna

    Could this be a common feature of automated phone systems?

    0 used to work pretty reliably. "Representative" too. Now, 0 is about 50-50 depending who you are calling. Companies that exist in cyberspace mostly really do not like getting humans involved in anything. And "representative" or something similar often prompts more questions: "we will...
  19. genna

    Could this be a common feature of automated phone systems?

    I don't know. I sometimes answer and tell them I have something very old. They hang up and I usually don't hear from them for a while. Come to think about it, I haven't had a car warranty call or a Card Service call in a while. Rachel come back, I miss you!!!
  20. genna

    Could this be a common feature of automated phone systems?

    True, real human did not help. But I've never tried to just ask nicely in a sentence for a person. And have it work. I've said "representative" and a few other terms to get a human, the answer was always "Yes, but please describe your problem first"(in some form). If you do, you get back to...
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