Messages

1

Tech Talk / Re: Smart homes

« on: Yesterday at 11:16:56 PM »

Yes, I've read it before. Seems like sensors are the main reason to get ecobee/nest vs. non-name brand one, and even still you can likely learn your schedule yourself to know what to set temp at (as our parents and grandparents did for decades ) but they're cheap enough now that I think I can splurge for a toy.

A toy is all fun and games until it decides to do something unpredictable on a 3 day YT... I prefer controlling things myself.

2

Tech Talk / Re: Smart homes

« on: Yesterday at 05:11:03 PM »

Is this correct? If you have to disable the "smart" features of the Nest / ecobee for Shabbos every week, then you have essentially killed the thermostat's "smartness", right? It no longer can learn when you're home/away, etc. to have better energy usage.

Then if so, I would think the only useful features of a smart tstat are:
1) the ability to set a schedule and turn it on and off from your phone/Alexa, and
2) the room sensors (which seem to just average out the temp, and therefore you can also just manually play with your temperature for a few days until you learn what temp makes your whole house as comfortable as possible)

In that case, why not just be a cheaper smart tstat? A honeywell, or even this $4 one...

I have the ecobee lights (free) but never installed them because I had exactly the same question and comment as you..  didn't do significant research but my understanding is that your analysis is correct

3

Destination Guides And Trip Planning / Re: Lakewood NJ Master Thread

« on: November 10, 2019, 07:15:08 AM »

The LPD average salary is 175k+


And they do absolutely nothing.


They did drive around in the middle of the night probably booking OT.

They should have been out of their cozy cars and hiding in the bushes... They wouldnt dream of inconveniencing themselves though.

4

Just Shmooze / Re: Interesting Articles...

« on: November 08, 2019, 08:25:21 AM »

https://www.zdnet.com/article/bill-gates-youd-all-be-on-windows-mobile-today-not-android-but-i-screwed-up/

Think he's right or delusional?

Delusional

5

Destination Guides And Trip Planning / Re: Lakewood NJ Master Thread

« on: November 05, 2019, 07:32:05 AM »

Anyone know of any real estate courses coming up? Also would like evening hours.

You called PCS?

6

Tech Talk / Re: Smart homes

« on: November 02, 2019, 08:42:28 PM »

I'm thinking two locks...

7

Tech Talk / Re: Smart homes

« on: October 28, 2019, 10:43:59 PM »

Can't read the whole thread now so sorry if already discussed... - looking for a smart wifi combination lock that also has a manual shabbos combination lock.

Does such a thing exist? Any other recommended shabbos/smart locks?

8

Destination Guides And Trip Planning / Re: Lakewood NJ Master Thread

« on: October 18, 2019, 07:04:21 AM »

What time does the 8oclock shachris start in lutzk?

9

Tech Talk / Re: Excel Help and Problems

« on: October 08, 2019, 10:37:33 AM »

I understand all that. My question is whether or not it is correct to use XIRR to assess returns in this scenario. - xirr is returning a compound interest value, but the loan in question is not compound interest.

So when an investor asks "what is my irr", what is the correct answer?

If I lend money at fixed 5% interest and the payments are fully amortized over 6 months for eg. Should I use XIRR on the CF , or is the return simply 5% for 6 months?

10

Tech Talk / Re: Excel Help and Problems

« on: October 08, 2019, 10:35:31 AM »

The conversion is not XIRR = IRR * 20. It's XIRR = (1+IRR)^(365/14). The fact that it's 20 cash flows is irrelevant - the fact that each period is 14 days is relevant.

Not sure what how simple interest enters into this. XIRR gives the annualized effective yield, which is a compound interest value. IRR returns the yield per period. Unlike XIRR, IRR has no way of knowing the length of each period, and therefore has to solve for the per period value, with no way of converting it to annualized.

I understand all that. My question is whether or not it is correct to use XIRR to assess returns in this scenario. - xirr is returning a compound interest value, but the loan in question is not compound interest.

So when an investor asks "what is my irr", what is the correct answer?

11

Destination Guides And Trip Planning / Re: Lakewood NJ Master Thread

« on: October 08, 2019, 10:31:51 AM »

5th St.

How much $ is he?

12

Destination Guides And Trip Planning / Re: Lakewood NJ Master Thread

« on: October 08, 2019, 09:36:37 AM »

Are there kaporos near Westgate or south side of town today?

Anywhere in Lakewood?

13

Tech Talk / Re: Excel Help and Problems

« on: October 08, 2019, 07:43:11 AM »

For a series of even 20 cash flows from a non compounding loan payments (p&I)every two weeks, xirr is giving very different results then IRR*20

Is xirr giving the effective yield which is incorrect here because it's simple interest?

14

Destination Guides And Trip Planning / Re: Lakewood NJ Master Thread

« on: October 08, 2019, 06:44:54 AM »

Are there kaporos near Westgate or south side of town today?

15

Destination Guides And Trip Planning / Re: Lakewood NJ Master Thread

« on: September 24, 2019, 09:58:17 PM »

Does anyone know if TD bank *requires* a CO in order to close on a mortgage?
Apparently some banks are more makpid then others.