Jerry Texas

@wd

The Money Vikings - Personal Finance Blogger, Open Source Advocate, Project Manager, Coke-Zero lover.

2,078 words

https://themoneyvikings.net @moneyvikings Thank
You'll only receive email when Jerry Texas publishes a new post

FB

March 26, 2018

Was very close to selling my FB, then the flippening of the 200 MA and the 50 day MA happened.

the flippening

Suggesting you read Not Open To Suggestion

March 26, 2018

I suggest you read this awesome post by Mo Bitar or don't if it's not something you were gonna do anyhow. I think the article was really neat, however I also think there are times when you are just being social and going with the flow to go for a walk or have some coffee with your friends. Once I felt like the walk, but not the coffee so I just walked with my friends, but didn't do the coffee. I was surprised how "offended" my friends were that I didn't buy the coffee and just did the walk, but I was OK with it. Hope they were too in the end.

FB

March 26, 2018

Trying to decide if I need to sell my FB stock. It's gone way lower than I thought it would. . .

Weekend is Over

March 25, 2018

It's sad how fast the weekend goes by. I feel like I am going through life at full speed right now. Kind of stressed about the week ahead, but there are some fun things coming up. I am secretly cheering myself on.

Savings Accounts

January 20, 2018

Savings accounts have never been sexy. While there's a time and place for investing in crypto, stocks, bonds, exotic options and default currency swap derivatives, most of the time I'm spending my time in my checking account, and no interest is being paid there. At tax time, I remembered that my bank does have a savings account and I wanted to see how much interest I'd been earning all year on my rainy day funds. I was shocked by how low of an interest rate I was getting. Look at nerdwallet and comparison shop some of the other options out there, which are giving as high as 1.55% interest. Perhaps they aren't the brick and mortar banks you're used to with free toasters or Stratton Oakmont lions walking around, but they all offer help, and you can choose some pretty big names and get one started with very little.

 

How Crypto bought me a Car

March 20, 2018

It's not a Lamborghini or Tesla, but it will get me from point A to point B from the power of the sun! I had been experimenting with cryptocurrencies for a while and decided to take some profits. I sold all my ETH (not much) and then paid off the rest of my car loan with it. The loan wasn't that much, but I still feel good about reducing debt! I got bills to feed and mouths to pay!

Moral of the story for me is that I needed to examine my overall financial picture. Know when to take some profits, especially if it will improve one's overall financial health and strength. As far as cryptocurrencies are concerned, it is early to tell where all this will go. Will they add value? Will they be widely adopted? Time will tell, but in the meantime my sweet electric ride is that much sweeter knowing I don’t owe anything on it.

OMG, I Crossed Tier 2!!

February 20, 2018

Well my fears came true, and today I left Tier 1 and entered Tier 2, so my cost per kilowatt doubles from about 20 cents to 40 cents. This means my commute is twice as much as it was for the past 25 days. So be it. 2 days are a weekend and I can drive my wife's car all weekend but I should do the math and see if her MPG work out better than paying for power at .40/kWh.

Anyhoo, a friend at work is thinking of fixing up his solar and wanted to know how much I'm solar I'm getting versus how much I'm paying for. I had not checked for a while, so I ran an export from my power company to get what they were charging me for (the yellow in the first chart below), and the green is the solar I've generated each month from a small 2.5/kWh system of 10 panels. If I add the 2 together, I get my family's full power consumption, but as you can see I'm not billed for the full consumption, since the solar is sold back to the power company and I only pay the net of both. Obviously I'm not going to cover all my monthly electricity consumption with my system, but what I can do with it is stay in Tier 1 rates at 20c/kWh longer than I would if I didn't have solar. Whats important to me are the 2 lines. Those lines represent Tier 1 and Tier 2 rates of electricity. Ideally I'd like to spent the entire month below the first line (Tier 1). For a few months I am, but for many others I exceed Tier 1, and in July and August I surpass Tier 2 and enter Tier 3. The beauty of my small system is that it artificially keeps me in the lower tiers for longer. The way I look at it is if I didn't have solar, I'd be paying tier 2 rates almost every month for sure, and Tier 3 for 2 months of the year.

What could i have done differently?

When I estimated my solar consumption, I didn't have an electric car. If you're gonna go solar, plan to get a system big enough to cover your current + anticipated future costs. After I added the electric car (what you're seeing below) is about 100 kWh/month (estimated) more than what I forecast when I'd built it. It's not a YUGE difference, but again, it could keep me in Tier 1 and 2 longer. Then ultimate question becomes if I'm saving more money overall having a small system than the monthly amount I'm still paying off on the loan, which is a topic for another article.

 

The chart below shows what percentage of my home's electricity is covered by my solar system each month.

If you liked this article and want to help support me and the platform standardnotes.org, feel free to make a $1.00 donation. You've already read all the content.


Get the rest of Jerry Texas's post.

The rest of this article—1 words—is available for purchase. Receive a full copy of this article in your inbox, and help support future work from this author.

Purchase for $1.00 USD

30 Day Savings Challenge: Day 2 : Coffee & Lunch

March 22, 2018

This is Viking Jerry. Today I'm going to skip Starbucks and pack my lunch like Greg. My Grande Coffee usually is about $2.32, and my lunch can be upwards of $10.00. That money is going into Stash's "Delicious Dividends" ETF.

We will calculate our grand totals saved and invested through small actions at the end of the 30 days. Hope you will join us and share your successes!

30 Day Savings Challenge: Day 4 : Working From Home

March 21, 2018

For Day 4, I'm working from home. For most people this would mean saving on expensive gas! For me as an electric vehicle owner, this will save me from driving 24 miles. This amounts to about 6 kilowatts of electricity with my EV or $1.20. I will invest the $1.20 into an aggressive growth stock or fund. This is simple and easy using Stash or Robinhood!

Taxes 101, (a simple explanation of a complex system)

March 23, 2018

This article was written by Greg, the better looking Money Viking :)

It is that time a year again, tax time is upon us. There are hundreds of strategies and approaches people deploy. Some people like getting a big refund as a kind of savings bonus, others want to break even because they do not want the government borrowing their money all year long. Remember it could have been invested for you all year making you money. I want to lay out a very simple way that one can think about taxes to develop an effective strategy. This is a taxes 101 that I wish someone had taught me a long time ago. Again, our education system never talks about this stuff and it is so important to us personally and for our country. It is important to pay our fair share and no more. Someone has to pay for defense, roads, food inspection, research, bio-defense, infrastructure, social security, etc.


Get the rest of Jerry Texas's post.

The rest of this article—474 words—is available for purchase. Receive a full copy of this article in your inbox, and help support future work from this author.

Purchase for $0.50 USD

Vacation Weekend

March 24, 2018

Vacation Weekend

We are celebrating this weekend! That's all there is to say. Here's a cool idea for something someone should create, an Ambiance Monetizer. Someone asked me what headphones I was wearing and I gave them a link on amazon to them. They actually ordered it. What they didn't know what that person's link was one of my website affiliate links, so I actually made some money off the sale. Should that person know? Should I split the reward with them. Am I being unethical for not telling them that they were a pawn in my great experiment? So far, I see that the order has been placed, but it hasn't gone into my "estimated earnings" yet. Well off to that vacation!

These are awesome headphones

March 23, 2018

Really Good Headphones

I totally love these headphones

Jabra Move Wireless Stereo Headset - Black

headphones

Shop Amazon Devices - Save $10 on Certified Refurbished Echo for a limited time

analytics

March 23, 2018

by reading this, you're giving me a bunch of data about your browser, ip address, screen resolution and a bunch of other data points. I'm testing on the other end to see what I can learn about you.

Also testing embedded youtube content. Listen to Ben Shapiro WIPE THE FLOOR with Whoopi!

30 Day Challenge : Day 6 : Combining Rewards

March 23, 2018

Yesterday I combined a CVS reward of $1.00 from their app with an already on sale bottle of mouthwash ($4.60) while at the same time as using a credit card from privacy.com with 1% cash back that had a $3.33 reward on it. That 1 litre bottle of mouthwash was only $0.27 cents!

Shop Amazon Devices - Save $10 on Certified Refurbished Echo for a limited time

Cascade Dishwasher Refills

March 23, 2018

nothing to see here. . .

Listed Test - Q&A Section

March 23, 2018

Q&A Section

Q: Can I publish to listed from here?
A: Not if you're on mobile!

New Note 564

March 23, 2018

New Note 564

A Personal Blog

March 23, 2018

I'm like totally writing this in markdown

March 22, 2018

So it's been a while since I blogged. I got into privacy WAAAYYY to much and in a big way and I overdid it. Now I think I've adopted the best privacy practices for the average guy. I have another blog I'm trying to make some $$ with it, and I'm learning about SEO and AdSense I'm also a real person, behind the person, behind the man behind the man.

What are those best privacy practices for me? Well if I listed them here then it wouldn't be very private, now would it?

Listening to SRV (That's Stevie Ray Vaughn - Pride & Joy).

What the Hell Should I Do With My 401K?

March 19, 2018

I plan on retiring in about 20 years. There are so many choices in my 401K to choose from. Which one should I pick?


Get the rest of Jerry Texas's post.

The rest of this article—370 words—is available for purchase. Receive a full copy of this article in your inbox, and help support future work from this author.

Purchase for $1.00 USD

30 Day Challenge : Day 4, Work From Home, Save Some Killowats

March 22, 2018

For Day 4, I’m working from home. For most people this would mean saving on expensive gas! For me as an electric vehicle owner, this will save me from driving 24 miles. This amounts to about 6 killowats of electricity with my EV or $1.20. I will invest the $1.20 into an agressive growth stock or fund. This is simple and easy using Stash or Robinhood!