Re: [MBZ] HAPPY NEW YEAR

[Rick Knoble via Mercedes]

Yup

Happy New Year.


Rick

From: mercedes@okiebenz.com
Sent: January 1, 2021 12:04 AM
To: mercedes@okiebenz.com
Reply-to: mercedes@okiebenz.com
Cc: rawil...@eatel.net
Subject: [MBZ] HAPPY NEW YEAR

Hoping 2021 is better to 20 was.

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[MBZ] HAPPY NEW YEAR

[Russ Williams via Mercedes]

Hoping 2021 is better to 20 was.

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[MBZ] This looks like something one of you need

[Kaleb Striplin via Mercedes]

https://www.facebook.com/marketplace/item/412612339880006/


Sent from my iPhone

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[MBZ] Massachusetts to ban sale of new gas cars by 2035.

[Allan Streib via Mercedes]

https://www.caranddriver.com/news/a35104768/massachusetts-ban-new-gas-cars-2035/

Happy New Year!

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Re: [MBZ] question for young investor

[Andrew Strasfogel via Mercedes]

I bought some shares of Warner Bros. before Superman hit the theaters in
'77.  When the movie became a smash I sold the stock and used the profit
for the down payment on our first home

On Thu, Dec 31, 2020 at 10:41 PM Jim Cathey via Mercedes <
mercedes@okiebenz.com> wrote:

> My best investment has been buy-and-hold.  I bought some shares of
> an employer at $3.50, with no expectation that it would ever exceed $20.
> I just sold some of it at $175 nearly 20 years later, because I was NOT
> micro-managing it.  That what-the-hell stock purchase became the single
> biggest component of our retirement portfolio.  Pure luck, really.  I've
> sold half of it so far, to reduce our risk.
>
> 10 years is a bit short for a stock-market timescale, say if you were
> planning to buy a house, but neither IRA should be what you're putting
> into for house-buying as your next big money need.  An IRA definitely
> makes sense if there's an employer match, because that is just plain
> free money.  For _retirement_ timescales.
>
> Were it me just starting out, and not working for a company with a 401K
> and matching funds, I'd dump any excess into managed funds with a long-term
> aggressive focus.  And don't churn!  Pick well and hang on to it,
> generally.
> If it helps keep you sane, don't look at it too often.
>
> -- Jim
>
>
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Re: [MBZ] question for young investor

[Jim Cathey via Mercedes]

My best investment has been buy-and-hold.  I bought some shares of
an employer at $3.50, with no expectation that it would ever exceed $20.
I just sold some of it at $175 nearly 20 years later, because I was NOT
micro-managing it.  That what-the-hell stock purchase became the single
biggest component of our retirement portfolio.  Pure luck, really.  I've
sold half of it so far, to reduce our risk.

10 years is a bit short for a stock-market timescale, say if you were
planning to buy a house, but neither IRA should be what you're putting
into for house-buying as your next big money need.  An IRA definitely
makes sense if there's an employer match, because that is just plain
free money.  For _retirement_ timescales.

Were it me just starting out, and not working for a company with a 401K
and matching funds, I'd dump any excess into managed funds with a long-term
aggressive focus.  And don't churn!  Pick well and hang on to it, generally.
If it helps keep you sane, don't look at it too often.

-- Jim


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Re: [MBZ] question for young investor

[Kaleb Striplin via Mercedes]

I stayed at a Hampton Inn last night.  For the first time since the 
pandemic started they had their normal breakfast out for self service.  
Seems most hotels are not doing breakfast at all or doing some sort of 
cheap grab bag with nothing in it that I would eat.  A few have had a 
somewhat normal breakfast but they have to dish it out for you.


On 12/31/2020 4:22 PM, Dan Penoff via Mercedes wrote:

That makes sense, and is why I would defer to you in such matters, too, since I 
didn’t stay at a Holiday Inn Express last night, either.

-D


On Dec 31, 2020, at 5:12 PM, Mitch Haley via Mercedes  
wrote:

On 2020-12-31 16:23, Dan Penoff via Mercedes wrote:


If you tie the funds up in a Roth he’ll be limited or unable to access
them in 5-10 years if the intent is to build up some savings for a
future purchase, such as a house. At least I think you’re limited to a
$10k withdrawal for a first home without taking a 10% hit.

Roth contributions always come out free of tax and penalties, but if you do it 
you'll mess up your Saver's Credit (Form 8880) for three years.
The only time you have tax and/or penalty on Roth withdrawals is when you've 
already drawn out everything you put in and start dipping into profits.

https://www.nerdwallet.com/article/investing/roth-ira-early-withdrawals

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Re: [MBZ] question for young investor

[Andrew Strasfogel via Mercedes]

You must have earned income to open (or contribute to) a Roth IRA.  I
converted my standard IRA to  Roth in 1999 and have contributed yearly
since.  Now I have a nice nest egg/slush fund.

On Thu, Dec 31, 2020 at 5:23 PM Dan Penoff via Mercedes <
mercedes@okiebenz.com> wrote:

> That makes sense, and is why I would defer to you in such matters, too,
> since I didn’t stay at a Holiday Inn Express last night, either.
>
> -D
>
> > On Dec 31, 2020, at 5:12 PM, Mitch Haley via Mercedes <
> mercedes@okiebenz.com> wrote:
> >
> > On 2020-12-31 16:23, Dan Penoff via Mercedes wrote:
> >
> >> If you tie the funds up in a Roth he’ll be limited or unable to access
> >> them in 5-10 years if the intent is to build up some savings for a
> >> future purchase, such as a house. At least I think you’re limited to a
> >> $10k withdrawal for a first home without taking a 10% hit.
> >
> > Roth contributions always come out free of tax and penalties, but if you
> do it you'll mess up your Saver's Credit (Form 8880) for three years.
> > The only time you have tax and/or penalty on Roth withdrawals is when
> you've already drawn out everything you put in and start dipping into
> profits.
> >
> > https://www.nerdwallet.com/article/investing/roth-ira-early-withdrawals
> >
> > ___
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> >
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> >
>
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Re: [MBZ] Fuel prices

[Andrew Strasfogel via Mercedes]

I've noticed that when we have two consecutive wintry days (overnight below
freezing) the price of diesel rises in inverse sympathy.

On Thu, Dec 31, 2020 at 5:18 PM OK Don via Mercedes 
wrote:

> $1.90 for ethanol contaminated gas, $2.20 for Diesel here this afternoon.
>
> >
> > --
> OK Don
>
> "Whenever you find yourself on the side of the majority, it is time to
> pause and reflect." Mark Twain
>
> “Basic research is what I’m doing when I don’t know what I am doing.”
> Wernher
> Von Braun
> 2013 F150, 18 mpg
> 2017 Subaru Legacy, 30 mpg
> 1957 C182A, 12 mpg - but at 150 mph!
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Re: [MBZ] OT - Car Insurance

[Dan Penoff via Mercedes]

Let’s parse that out:

I live primarily in FL. There are two of us in the house.

If I move two more cars to Indiana, I no longer have use of them in FL. Then 
there are two adults in the house in FL with only one car.

For that inconvenience I save maybe $1,000-$1,500/year and lose the use of 
three cars for at least half of the year, likely more than that because I’m 
probably in Indiana maybe 3-4 months total, tops.

That’s not factoring in the cost of moving them up there and that I only have a 
two car garage, so one would have to sit out in the elements.

Yeah, I don’t think so. I’m good with the current arrangements.

-D


> On Dec 31, 2020, at 5:31 PM, Kaleb Striplin via Mercedes 
>  wrote:
> 
> Just keep 1 car in Florida 
> 
> Sent from my iPhone
> 
>> On Dec 31, 2020, at 3:12 PM, Dan Penoff via Mercedes  
>> wrote:
>> 
>> Now if I could just find a way to do the rest of them in Indiana…
>> 
>> -D
>> 
>>> On Dec 31, 2020, at 1:37 PM, Dan Penoff via Mercedes 
>>>  wrote:
>>> 
>>> With full coverage, $500 deductible for everything, roadside assistance, 
>>> rental car, medical payment, around $600/year.
>>> 
>>> -D
>>> 
> On Dec 31, 2020, at 1:30 PM, Kaleb Striplin via Mercedes 
>  wrote:
 
 What are you paying for insurance up there?
 
 Sent from my iPhone
 
> On Dec 31, 2020, at 12:08 PM, Dan Penoff via Mercedes 
>  wrote:
> 
> Went to the BMV here in Indiana today to get the E320 4Matic titled in 
> state. Cost a whopping $105 for the title work and annual registration. 
> Nice.
> 
> Even better - called the insurance company and got the policy changed to 
> Indiana as well. Saved me more than 50% on my insurance premiums for the 
> same coverage in Floriduh.
> 
> -D
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> To Unsubscribe or change delivery options go to:
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>>> 
>>> 
>>> ___
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>> 
>> 
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Re: [MBZ] OT - Car Insurance

[Kaleb Striplin via Mercedes]

Just keep 1 car in Florida 

Sent from my iPhone

> On Dec 31, 2020, at 3:12 PM, Dan Penoff via Mercedes  
> wrote:
> 
> Now if I could just find a way to do the rest of them in Indiana…
> 
> -D
> 
>> On Dec 31, 2020, at 1:37 PM, Dan Penoff via Mercedes  
>> wrote:
>> 
>> With full coverage, $500 deductible for everything, roadside assistance, 
>> rental car, medical payment, around $600/year.
>> 
>> -D
>> 
 On Dec 31, 2020, at 1:30 PM, Kaleb Striplin via Mercedes 
  wrote:
>>> 
>>> What are you paying for insurance up there?
>>> 
>>> Sent from my iPhone
>>> 
 On Dec 31, 2020, at 12:08 PM, Dan Penoff via Mercedes 
  wrote:
 
 Went to the BMV here in Indiana today to get the E320 4Matic titled in 
 state. Cost a whopping $105 for the title work and annual registration. 
 Nice.
 
 Even better - called the insurance company and got the policy changed to 
 Indiana as well. Saved me more than 50% on my insurance premiums for the 
 same coverage in Floriduh.
 
 -D
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 To Unsubscribe or change delivery options go to:
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>>> 
>>> 
>>> ___
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>>> 
>>> To Unsubscribe or change delivery options go to:
>>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
>>> 
>> 
>> 
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Re: [MBZ] question for young investor

[Dan Penoff via Mercedes]

That makes sense, and is why I would defer to you in such matters, too, since I 
didn’t stay at a Holiday Inn Express last night, either.

-D

> On Dec 31, 2020, at 5:12 PM, Mitch Haley via Mercedes  
> wrote:
> 
> On 2020-12-31 16:23, Dan Penoff via Mercedes wrote:
> 
>> If you tie the funds up in a Roth he’ll be limited or unable to access
>> them in 5-10 years if the intent is to build up some savings for a
>> future purchase, such as a house. At least I think you’re limited to a
>> $10k withdrawal for a first home without taking a 10% hit.
> 
> Roth contributions always come out free of tax and penalties, but if you do 
> it you'll mess up your Saver's Credit (Form 8880) for three years.
> The only time you have tax and/or penalty on Roth withdrawals is when you've 
> already drawn out everything you put in and start dipping into profits.
> 
> https://www.nerdwallet.com/article/investing/roth-ira-early-withdrawals
> 
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Re: [MBZ] OT - Car Insurance

[Dan Penoff via Mercedes]

Funny, because my insurance agent up here immediately suggested I change my 
insurance over for all of my cars to him. I had to explain the requirements for 
Florida, which of course he wasn’t aware of.

-D

> On Dec 31, 2020, at 5:08 PM, Allan Streib via Mercedes 
>  wrote:
> 
> Makes sense. Never dealt with owning a residence in two different states.
> 
> Allan
> 
> Dan Penoff via Mercedes  writes:
> 
>> My legal residence is Florida and the other two cars are titled and 
>> registered there. Those two cars would have to be physically present in 
>> Indiana to be titled and registered here.
>> 
>> Also, Florida requires insurance policies to be issued by Florida based 
>> insurers, no out of state insurance policies (if you’re a legal resident.)
>> 
>> I’m not going to try and beat the system for a thousand dollars and risk 
>> being caught up in insurance fraud should I be in a wreck or have a claim.
>> 
>> I don’t pay state income taxes in Florida. For what I save on that over what 
>> I would pay elsewhere this is pocket change.
>> 
>> -D
> 
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Re: [MBZ] Fuel prices

[OK Don via Mercedes]

$1.90 for ethanol contaminated gas, $2.20 for Diesel here this afternoon.

>
> --
OK Don

"Whenever you find yourself on the side of the majority, it is time to
pause and reflect." Mark Twain

“Basic research is what I’m doing when I don’t know what I am doing.”  Wernher
Von Braun
2013 F150, 18 mpg
2017 Subaru Legacy, 30 mpg
1957 C182A, 12 mpg - but at 150 mph!
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Re: [MBZ] Fuel prices

[Clay Monroe via Mercedes]

ANS Crude Oil (12/16): $51.61 
Brent Crude Oil: $51.38 
WTI Crude Oil: : $48.28
Up from the mid $30 range of October.  No idea what the local pump price is, 
since I have not driven since early summer.  I do check TX fuel pricing, and it 
has risen by $0.20 since the election, to $1.63/gal

#1 boy who works in ND oil country is hearing that some of the fields are 
planning to open up over the next few months when prices will soar back over $60

clay 

I have no pronouns please do not refer to me.



> On Dec 31, 2020, at 7:52 AM, Kaleb Striplin via Mercedes 
> mailto:mercedes@okiebenz.com>> wrote:
> 
> Gas and diesel prices have sure been creeping up lately. 
> 
> Sent from my iPhone
> 
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Clay


inter urinas et faeces nascimur

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Re: [MBZ] question for young investor

[Mitch Haley via Mercedes]

On 2020-12-31 16:23, Dan Penoff via Mercedes wrote:


If you tie the funds up in a Roth he’ll be limited or unable to access
them in 5-10 years if the intent is to build up some savings for a
future purchase, such as a house. At least I think you’re limited to a
$10k withdrawal for a first home without taking a 10% hit.


Roth contributions always come out free of tax and penalties, but if you 
do it you'll mess up your Saver's Credit (Form 8880) for three years.
The only time you have tax and/or penalty on Roth withdrawals is when 
you've already drawn out everything you put in and start dipping into 
profits.


https://www.nerdwallet.com/article/investing/roth-ira-early-withdrawals

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Re: [MBZ] OT - Car Insurance

[Allan Streib via Mercedes]

Makes sense. Never dealt with owning a residence in two different states.

Allan

Dan Penoff via Mercedes  writes:

> My legal residence is Florida and the other two cars are titled and 
> registered there. Those two cars would have to be physically present in 
> Indiana to be titled and registered here.
>
> Also, Florida requires insurance policies to be issued by Florida based 
> insurers, no out of state insurance policies (if you’re a legal resident.)
>
> I’m not going to try and beat the system for a thousand dollars and risk 
> being caught up in insurance fraud should I be in a wreck or have a claim.
>
> I don’t pay state income taxes in Florida. For what I save on that over what 
> I would pay elsewhere this is pocket change.
>
> -D

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Re: [MBZ] question for young investor

[Mitch Haley via Mercedes]

In order to contribute to just about any retirement account, you're 
going to need earned income to qualify.
Your IRA contributions can't exceed the earned income you're supposed to 
be putting away for the future when you quit earning income


Effectively, Earned Income is what you pay FICA or Self Employment taxes 
on.


For gifts you're stuck with stuff like 529 accounts and ABLE accounts.

On 2020-12-31 16:30, Allan Streib via Mercedes wrote:


Are you saying there's a legal requirement to have earned income in
order to contribute to a Roth IRA? Can contributions exceed earned
income (e.g. from gifts)?


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Re: [MBZ] OT 2020: It could have been WORSE!

[Clay Monroe via Mercedes]

Alaska has not yet recorded an influenza fatality.  There may have been one 
reported case of infection last week.  Completely unheard of

clay
 Political correctness is a doctrine, fostered by a delusional, illogical 
minority, and rapidly promoted by mainstream media, which holds forth the 
proposition that it is entirely possible to pick up a piece of shit by the 
clean end.



> On Dec 30, 2020, at 8:16 PM, Rick Knoble via Mercedes  
> wrote:
> 
>> But at least we had the worst pandemic in over >100 years with 350,000 
>> fatalities, and climbing.
> 
> 
> Thankfully, influenza has been nearly eradicated.
> 
> https://www.cdc.gov/flu/weekly/index.htm#ILIMap
> 
> 
> Rick
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Re: [MBZ] OT - Car Insurance

[Dan Penoff via Mercedes]

My legal residence is Florida and the other two cars are titled and registered 
there. Those two cars would have to be physically present in Indiana to be 
titled and registered here.

Also, Florida requires insurance policies to be issued by Florida based 
insurers, no out of state insurance policies (if you’re a legal resident.)

I’m not going to try and beat the system for a thousand dollars and risk being 
caught up in insurance fraud should I be in a wreck or have a claim.

I don’t pay state income taxes in Florida. For what I save on that over what I 
would pay elsewhere this is pocket change.

-D


> On Dec 31, 2020, at 4:38 PM, Allan Streib via Mercedes 
>  wrote:
> 
> If you can do one, why can't you do all?
> 
> Allan
> 
> Dan Penoff via Mercedes  writes:
> 
>> Now if I could just find a way to do the rest of them in Indiana…
>> 
>> -D
>> 
>>> On Dec 31, 2020, at 1:37 PM, Dan Penoff via Mercedes 
>>>  wrote:
>>> 
>>> With full coverage, $500 deductible for everything, roadside assistance, 
>>> rental car, medical payment, around $600/year.
>>> 
>>> -D
>>> 
 On Dec 31, 2020, at 1:30 PM, Kaleb Striplin via Mercedes 
  wrote:
 
 What are you paying for insurance up there?
 
 Sent from my iPhone
 
> On Dec 31, 2020, at 12:08 PM, Dan Penoff via Mercedes 
>  wrote:
> 
> Went to the BMV here in Indiana today to get the E320 4Matic titled in 
> state. Cost a whopping $105 for the title work and annual registration. 
> Nice.
> 
> Even better - called the insurance company and got the policy changed to 
> Indiana as well. Saved me more than 50% on my insurance premiums for the 
> same coverage in Floriduh.
> 
> -D
> 
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Re: [MBZ] OT 2020: It could have been WORSE!

[Clay Monroe via Mercedes]

Well that has turned into a complete fail.  San Antonio, TX is at 5C this 
morning. SEA is expecting severe winter storms for the coming week, an 
extension of the many cold and wet/snow storms since election day.  ANC has had 
a very healthy snow pack over the past two months with a bunch more on the way. 
 No decline in sea ice on the map.  Most of the weather world wide seems to be 
conforming to norms of the past 10k years.


clay 

I have no pronouns please do not refer to me.



> On Dec 30, 2020, at 7:06 PM, Meade Dillon via Mercedes 
>  wrote:
> 
> https://pjmedia.com/news-and-politics/tyler-o-neil/2020/12/28/egg-on-their-faces-10-climate-alarmist-predictions-for-2020-that-went-horribly-wrong-n1289371
> 
> Long before Beto O’Rourke claimed the world only had 10 years left
> 
> for humans to act against climate change, alarmists had spent decades
> predicting one doomsday scenario after another, each of which stubbornly
> failed to materialize. It seems climate armageddon has taken a permanent
> sabbatical.
> 
> Many of those doomsday predictions specifically mentioned the annus
> horribilus of 2020. Those predictions also failed, some rather
> spectacularly.
> -
> Max
> Charleston SC
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Re: [MBZ] OT - Car Insurance

[Allan Streib via Mercedes]

Dan Penoff via Mercedes  writes:

> Tags are cheap in Indiana, too. The $105 I paid today was for title
> fees, with registration and plates until November of 2021. Pretty
> cheap.

That's because it's an older car. There's an excise tax component based
on the value of the car. Tags for a new car would have been several
multiples of what you paid.

Allan


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Re: [MBZ] question for young investor

[Max Dillon via Mercedes]

No, it means the total US stock market.  There is plenty of exposure to foreign 
markets via the big international companies (Apple for instance) so there is 
some exposure to emerging markets like China and India.

The two major features of a total market index fund are diversification and low 
expenses.  The investor gets security from diversification and keeps more of 
their money with low low expenses. 

Why invest in the stock market?  Over the long term, no other investment comes 
close to providing a good return for minimal risk. Read John Bogle's Common 
Sense on Mutual Funds to understand the basics and avoid mistakes.

Max Dillon
Charleston SC


Dec 31, 2020 4:18:08 PM Mitch Haley via Mercedes :

> Does "Total Market" include "Emerging Markets" (AKA China)?
> 
> On 2020-12-31 15:44, Max Dillon via Mercedes wrote:
> 
> 
>> Use Vanguard, they are the least expensive for index funds.  Get the
>> total stock market index fund and start putting a couple hundred
>> dollars a month in to it.
> 
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Re: [MBZ] OT - Car Insurance

[Dan Penoff via Mercedes]

If you’re thinking of someone like Hagerty, they require that you have a fully 
licensed and “regularly” insured vehicle for each driver in the household 
before they’ll write a policy for an additional car.

Other insurers may have different requirements, but I’m sure they’re not that 
different.

For what it’s worth, for full replacement coverage with things like collision, 
roadside assistance, comp, etc., on my 1995 E420, I pay almost the same as my 
regular over the road Indiana car, maybe $100 less annually.

Tags are cheap in Indiana, too. The $105 I paid today was for title fees, with 
registration and plates until November of 2021. Pretty cheap.

-D

> On Dec 31, 2020, at 2:35 PM, Andrew Strasfogel via Mercedes 
>  wrote:
> 
> What about those vintage car Insurance Specialists?
> 
> On Thu, Dec 31, 2020, 1:42 PM Kaleb Striplin via Mercedes <
> mercedes@okiebenz.com> wrote:
> 
>> Not bad
>> 
>> Sent from my iPhone
>> 
>>> On Dec 31, 2020, at 12:37 PM, Dan Penoff via Mercedes <
>> mercedes@okiebenz.com> wrote:
>>> 
>>> With full coverage, $500 deductible for everything, roadside
>> assistance, rental car, medical payment, around $600/year.
>>> 
>>> -D
>>> 
 On Dec 31, 2020, at 1:30 PM, Kaleb Striplin via Mercedes <
>> mercedes@okiebenz.com> wrote:
 
 What are you paying for insurance up there?
 
 Sent from my iPhone
 
>> On Dec 31, 2020, at 12:08 PM, Dan Penoff via Mercedes <
>> mercedes@okiebenz.com> wrote:
> 
> Went to the BMV here in Indiana today to get the E320 4Matic titled
>> in state. Cost a whopping $105 for the title work and annual registration.
>> Nice.
> 
> Even better - called the insurance company and got the policy changed
>> to Indiana as well. Saved me more than 50% on my insurance premiums for the
>> same coverage in Floriduh.
> 
> -D
> ___
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> 
 
 
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>>> 
>>> 
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>>> 
>> 
>> 
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Re: [MBZ] OT - Car Insurance

[Allan Streib via Mercedes]

If you can do one, why can't you do all?

Allan

Dan Penoff via Mercedes  writes:

> Now if I could just find a way to do the rest of them in Indiana…
>
> -D
>
>> On Dec 31, 2020, at 1:37 PM, Dan Penoff via Mercedes  
>> wrote:
>> 
>> With full coverage, $500 deductible for everything, roadside assistance, 
>> rental car, medical payment, around $600/year.
>> 
>> -D
>> 
>>> On Dec 31, 2020, at 1:30 PM, Kaleb Striplin via Mercedes 
>>>  wrote:
>>> 
>>> What are you paying for insurance up there?
>>> 
>>> Sent from my iPhone
>>> 
 On Dec 31, 2020, at 12:08 PM, Dan Penoff via Mercedes 
  wrote:
 
 Went to the BMV here in Indiana today to get the E320 4Matic titled in 
 state. Cost a whopping $105 for the title work and annual registration. 
 Nice.
 
 Even better - called the insurance company and got the policy changed to 
 Indiana as well. Saved me more than 50% on my insurance premiums for the 
 same coverage in Floriduh.
 
 -D

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Re: [MBZ] question for young investor

[Allan Streib via Mercedes]

Mitch Haley via Mercedes  writes:

> Does "Total Market" include "Emerging Markets" (AKA China)?

No. The Vanguard total stock market index fund is 99% US equities.

https://www.morningstar.com/funds/xnas/vtsmx/portfolio

Allan

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Re: [MBZ] question for young investor

[Allan Streib via Mercedes]

Mitch Haley via Mercedes  writes:

> Back in the early 1990s, I had an accounting prof who told his 
> dependents that if they'd get jobs, he'd put their wages (up to $2000) 
> in a Roth for them. They still got to spend their money, the Roth 
> contributions were a gift from dad, but he couldn't make them if they 
> didn't have earned income.

Are you saying there's a legal requirement to have earned income in
order to contribute to a Roth IRA? Can contributions exceed earned
income (e.g. from gifts)?

Allan




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Re: [MBZ] question for young investor

[Dan Penoff via Mercedes]

As I would understand it, if he doesn’t have the ability to contribute through 
a pre-tax means, if it were me I would just do a brokerage account. He’s not 
going to get taxed on any proceeds from his investments unless he sells them 
off and makes a profit.

If you tie the funds up in a Roth he’ll be limited or unable to access them in 
5-10 years if the intent is to build up some savings for a future purchase, 
such as a house. At least I think you’re limited to a $10k withdrawal for a 
first home without taking a 10% hit.

Open a brokerage account with someone like Ameritrade (my personal choice) and 
have him set up a scheduled ACH transfer to fund it, if possible. That way the 
money never touches his hands and goes right into the account.

Invest in an index fund that’s targeted out for the time period he’s looking 
for, like 10 years. If there’s no target, just a plain index fund. If he’s long 
in the market he’ll be fine. Don’t try to play the market, just pick something 
with a solid track record, fund it, and stick to it.

Another observation:

If you do this, tell him to ignore the fund’s activity on a daily or even 
weekly basis. When I look at my brokerage account on a daily basis, I see some 
pretty wild swings at times. I don’t worry about it, as I’m still up very well 
because I’m long in the market. Someone who is new to the markets can get 
pretty worked up when they see their investment(s) take a big dive when the 
market gets lousy. It’s difficult to convince them that 2, 3 even 5 years out 
they’ll be fine.

-D



> On Dec 31, 2020, at 3:33 PM, Allan Streib via Mercedes 
>  wrote:
> 
> For those of you who might have some investment backgroud, does it make
> more sense for an 18 year old to open an investment account as an IRA or
> as a normal brokerage account?
> 
> My thought is that he's not going to have significant taxable income for
> at least another four or five years, and will eventually have more
> immediate needs for the funds such as qualifying to buy a house.
> 
> I think an IRA starts to make more sense when you can contribute from
> salary witholding and possibly getting employer matching.
> 
> Not trying to get him into active trading at all. Just establishing the
> habit of dollar-cost-averaging into an index fund or ETF for the long
> term.
> 
> Allan
> 
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Re: [MBZ] question for young investor

[Mitch Haley via Mercedes]

Does "Total Market" include "Emerging Markets" (AKA China)?

On 2020-12-31 15:44, Max Dillon via Mercedes wrote:



Use Vanguard, they are the least expensive for index funds.  Get the
total stock market index fund and start putting a couple hundred
dollars a month in to it.


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Re: [MBZ] question for young investor

[Mitch Haley via Mercedes]

On 2020-12-31 15:44, Rick Knoble via Mercedes wrote:

Roth IRA. That said, I strongly suspect the extreme tax advantages of
one will be disappearing soon.


Back in the early 1990s, I had an accounting prof who told his 
dependents that if they'd get jobs, he'd put their wages (up to $2000) 
in a Roth for them. They still got to spend their money, the Roth 
contributions were a gift from dad, but he couldn't make them if they 
didn't have earned income.


Just imagine what that Roth money has done in the last 30 years, totally 
tax-free.


Start early, start Roth.

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Re: [MBZ] OT - Car Insurance

[Dan Penoff via Mercedes]

Now if I could just find a way to do the rest of them in Indiana…

-D

> On Dec 31, 2020, at 1:37 PM, Dan Penoff via Mercedes  
> wrote:
> 
> With full coverage, $500 deductible for everything, roadside assistance, 
> rental car, medical payment, around $600/year.
> 
> -D
> 
>> On Dec 31, 2020, at 1:30 PM, Kaleb Striplin via Mercedes 
>>  wrote:
>> 
>> What are you paying for insurance up there?
>> 
>> Sent from my iPhone
>> 
>>> On Dec 31, 2020, at 12:08 PM, Dan Penoff via Mercedes 
>>>  wrote:
>>> 
>>> Went to the BMV here in Indiana today to get the E320 4Matic titled in 
>>> state. Cost a whopping $105 for the title work and annual registration. 
>>> Nice.
>>> 
>>> Even better - called the insurance company and got the policy changed to 
>>> Indiana as well. Saved me more than 50% on my insurance premiums for the 
>>> same coverage in Floriduh.
>>> 
>>> -D
>>> ___
>>> http://www.okiebenz.com
>>> 
>>> To search list archives http://www.okiebenz.com/archive/
>>> 
>>> To Unsubscribe or change delivery options go to:
>>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
>>> 
>> 
>> 
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Re: [MBZ] question for young investor

[Rick Knoble via Mercedes]

Roth IRA. That said, I strongly suspect the extreme tax advantages of one will 
be disappearing soon.

Trading stocks can make ones taxes a bit difficult to do, especially with 
capital gains taxes and dividend taxes that are constantly in flux, and certain 
to increase in the coming months.

Perhaps Mitch will expound more on the subject.
Rick
From: mercedes@okiebenz.com
Sent: December 31, 2020 2:34 PM
To: mercedes@okiebenz.com
Reply-to: mercedes@okiebenz.com
Cc: astr...@indiana.edu
Subject: [MBZ] question for young investor

For those of you who might have some investment backgroud, does it make
more sense for an 18 year old to open an investment account as an IRA or
as a normal brokerage account?

My thought is that he's not going to have significant taxable income for
at least another four or five years, and will eventually have more
immediate needs for the funds such as qualifying to buy a house.

I think an IRA starts to make more sense when you can contribute from
salary witholding and possibly getting employer matching.

Not trying to get him into active trading at all. Just establishing the
habit of dollar-cost-averaging into an index fund or ETF for the long
term.

Allan

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Re: [MBZ] question for young investor

[Max Dillon via Mercedes]

I'd say "yes" on the IRA, and make it a Roth IRA so the withdrawals are tax 
free (in retirement).  Also, because he's paying income tax on the 
contributions, the rules for a Roth give you the option of withdrawing the 
contributions with no penalty or additional taxes if needed.  Best of both 
worlds. 

Use Vanguard, they are the least expensive for index funds.  Get the total 
stock market index fund and start putting a couple hundred dollars a month in 
to it.

Max Dillon
Charleston SC


Dec 31, 2020 3:34:31 PM Allan Streib via Mercedes :

> For those of you who might have some investment backgroud, does it make
> more sense for an 18 year old to open an investment account as an IRA or
> as a normal brokerage account?
> 
> My thought is that he's not going to have significant taxable income for
> at least another four or five years, and will eventually have more
> immediate needs for the funds such as qualifying to buy a house.
> 
> I think an IRA starts to make more sense when you can contribute from
> salary witholding and possibly getting employer matching.
> 
> Not trying to get him into active trading at all. Just establishing the
> habit of dollar-cost-averaging into an index fund or ETF for the long
> term.
> 
> Allan
> 
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[MBZ] question for young investor

[Allan Streib via Mercedes]

For those of you who might have some investment backgroud, does it make
more sense for an 18 year old to open an investment account as an IRA or
as a normal brokerage account?

My thought is that he's not going to have significant taxable income for
at least another four or five years, and will eventually have more
immediate needs for the funds such as qualifying to buy a house.

I think an IRA starts to make more sense when you can contribute from
salary witholding and possibly getting employer matching.

Not trying to get him into active trading at all. Just establishing the
habit of dollar-cost-averaging into an index fund or ETF for the long
term.

Allan

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Re: [MBZ] Fuel prices

[Allan Streib via Mercedes]

Covid fatigue. More people are rejecting lockdowns and traveling more,
plus holidays. Anticipation of vaccine and getting back to normal. More
flights, more road trips.

Kaleb Striplin via Mercedes  writes:

> Gas and diesel prices have sure been creeping up lately. 
>

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Re: [MBZ] Fuel prices

[Curt Raymond via Mercedes]

Heating oil is diesel fuel so the production is the same but usage is up.
Curt

Sent from Yahoo Mail on Android 
 
  On Thu, Dec 31, 2020 at 2:09 PM, Floyd Thursby via 
Mercedes wrote:   Costco reg was like $1.84 last week, 
premium was $2.23 if I recall.  
Diesel is lile $2.25

It's winter so heating oil is pushing down diesel production, and barrel 
prices have been creeping up lately, but I'm sure in 3 weeks when the 
new era of peace and prosperity starts we will see it go down again.

--FT

On 12/31/20 12:34 PM, Curt Raymond via Mercedes wrote:
> Our gas is $2.25, diesel, $2.59.
>
> Sent from Yahoo Mail on Android
>  
>    On Thu, Dec 31, 2020 at 12:07 PM, Dan Penoff via 
>Mercedes wrote:  Here in Indiana gas is around $2.30 
>and diesel around $2.75. Gas has been creeping up the last couple of weeks, 
>I’ve noticed, both here and in Florida.
>
> -D
>
>> On Dec 31, 2020, at 12:02 PM, Kaleb Striplin via Mercedes 
>>  wrote:
>>
>> Getting back into town here I see gas is up to $1.95 and diesel 2.25. Been 
>> mid to low $1.xx for quite a while here
>>
>> Sent from my iPhone
>>
>>> On Dec 31, 2020, at 10:58 AM, Curt Raymond  wrote:
>>>
>>> Diesel hasn't moved much here in a year or more. Gas had gotten cheap last 
>>> spring but as you say it's creeping up now.
>>>
>>> Curt
>>>
>>> Sent from Yahoo Mail on Android
>>>
>>> On Thu, Dec 31, 2020 at 11:53 AM, Kaleb Striplin via Mercedes
>>>  wrote:
>>> Gas and diesel prices have sure been creeping up lately.
>>>
>>> Sent from my iPhone
>>>
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-- 
--FT


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Re: [MBZ] OT - Car Insurance

[Bob Rentfro via Mercedes]

That’s Arizona-ish. Except for the car tags. That’s where they legit 
straight-up prison rough ass rape you.   

Bob R

Sent from my iPhone

> On Dec 31, 2020, at 11:42 AM, Kaleb Striplin via Mercedes 
>  wrote:
> 
> Not bad
> 
> Sent from my iPhone
> 
>> On Dec 31, 2020, at 12:37 PM, Dan Penoff via Mercedes 
>>  wrote:
>> 
>> With full coverage, $500 deductible for everything, roadside assistance, 
>> rental car, medical payment, around $600/year.
>> 
>> -D
>> 
 On Dec 31, 2020, at 1:30 PM, Kaleb Striplin via Mercedes 
  wrote:
>>> 
>>> What are you paying for insurance up there?
>>> 
>>> Sent from my iPhone
>>> 
> On Dec 31, 2020, at 12:08 PM, Dan Penoff via Mercedes 
>  wrote:
 
 Went to the BMV here in Indiana today to get the E320 4Matic titled in 
 state. Cost a whopping $105 for the title work and annual registration. 
 Nice.
 
 Even better - called the insurance company and got the policy changed to 
 Indiana as well. Saved me more than 50% on my insurance premiums for the 
 same coverage in Floriduh.
 
 -D
 ___
 http://www.okiebenz.com
 
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 To Unsubscribe or change delivery options go to:
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>>> 
>>> 
>>> ___
>>> http://www.okiebenz.com
>>> 
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>>> 
>>> To Unsubscribe or change delivery options go to:
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>>> 
>> 
>> 
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Re: [MBZ] OT - Car Insurance

[Andrew Strasfogel via Mercedes]

What about those vintage car Insurance Specialists?

On Thu, Dec 31, 2020, 1:42 PM Kaleb Striplin via Mercedes <
mercedes@okiebenz.com> wrote:

> Not bad
>
> Sent from my iPhone
>
> > On Dec 31, 2020, at 12:37 PM, Dan Penoff via Mercedes <
> mercedes@okiebenz.com> wrote:
> >
> > With full coverage, $500 deductible for everything, roadside
> assistance, rental car, medical payment, around $600/year.
> >
> > -D
> >
> >> On Dec 31, 2020, at 1:30 PM, Kaleb Striplin via Mercedes <
> mercedes@okiebenz.com> wrote:
> >>
> >> What are you paying for insurance up there?
> >>
> >> Sent from my iPhone
> >>
>  On Dec 31, 2020, at 12:08 PM, Dan Penoff via Mercedes <
> mercedes@okiebenz.com> wrote:
> >>>
> >>> Went to the BMV here in Indiana today to get the E320 4Matic titled
> in state. Cost a whopping $105 for the title work and annual registration.
> Nice.
> >>>
> >>> Even better - called the insurance company and got the policy changed
> to Indiana as well. Saved me more than 50% on my insurance premiums for the
> same coverage in Floriduh.
> >>>
> >>> -D
> >>> ___
> >>> http://www.okiebenz.com
> >>>
> >>> To search list archives http://www.okiebenz.com/archive/
> >>>
> >>> To Unsubscribe or change delivery options go to:
> >>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
> >>>
> >>
> >>
> >> ___
> >> http://www.okiebenz.com
> >>
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> >>
> >> To Unsubscribe or change delivery options go to:
> >> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
> >>
> >
> >
> > ___
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> >
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Re: [MBZ] Fuel prices

[Floyd Thursby via Mercedes]

Costco reg was like $1.84 last week, premium was $2.23 if I recall.  
Diesel is lile $2.25


It's winter so heating oil is pushing down diesel production, and barrel 
prices have been creeping up lately, but I'm sure in 3 weeks when the 
new era of peace and prosperity starts we will see it go down again.


--FT

On 12/31/20 12:34 PM, Curt Raymond via Mercedes wrote:

Our gas is $2.25, diesel, $2.59.

Sent from Yahoo Mail on Android
  
   On Thu, Dec 31, 2020 at 12:07 PM, Dan Penoff via Mercedes wrote:   Here in Indiana gas is around $2.30 and diesel around $2.75. Gas has been creeping up the last couple of weeks, I’ve noticed, both here and in Florida.


-D


On Dec 31, 2020, at 12:02 PM, Kaleb Striplin via Mercedes 
 wrote:

Getting back into town here I see gas is up to $1.95 and diesel 2.25. Been mid 
to low $1.xx for quite a while here

Sent from my iPhone


On Dec 31, 2020, at 10:58 AM, Curt Raymond  wrote:

Diesel hasn't moved much here in a year or more. Gas had gotten cheap last 
spring but as you say it's creeping up now.

Curt

Sent from Yahoo Mail on Android

On Thu, Dec 31, 2020 at 11:53 AM, Kaleb Striplin via Mercedes
 wrote:
Gas and diesel prices have sure been creeping up lately.

Sent from my iPhone

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Re: [MBZ] OT - Car Insurance

[Kaleb Striplin via Mercedes]

Not bad

Sent from my iPhone

> On Dec 31, 2020, at 12:37 PM, Dan Penoff via Mercedes  
> wrote:
> 
> With full coverage, $500 deductible for everything, roadside assistance, 
> rental car, medical payment, around $600/year.
> 
> -D
> 
>> On Dec 31, 2020, at 1:30 PM, Kaleb Striplin via Mercedes 
>>  wrote:
>> 
>> What are you paying for insurance up there?
>> 
>> Sent from my iPhone
>> 
 On Dec 31, 2020, at 12:08 PM, Dan Penoff via Mercedes 
  wrote:
>>> 
>>> Went to the BMV here in Indiana today to get the E320 4Matic titled in 
>>> state. Cost a whopping $105 for the title work and annual registration. 
>>> Nice.
>>> 
>>> Even better - called the insurance company and got the policy changed to 
>>> Indiana as well. Saved me more than 50% on my insurance premiums for the 
>>> same coverage in Floriduh.
>>> 
>>> -D
>>> ___
>>> http://www.okiebenz.com
>>> 
>>> To search list archives http://www.okiebenz.com/archive/
>>> 
>>> To Unsubscribe or change delivery options go to:
>>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
>>> 
>> 
>> 
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>> 
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>> 
> 
> 
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Re: [MBZ] OT - Car Insurance

[Dan Penoff via Mercedes]

With full coverage, $500 deductible for everything, roadside assistance, rental 
car, medical payment, around $600/year.

-D

> On Dec 31, 2020, at 1:30 PM, Kaleb Striplin via Mercedes 
>  wrote:
> 
> What are you paying for insurance up there?
> 
> Sent from my iPhone
> 
>> On Dec 31, 2020, at 12:08 PM, Dan Penoff via Mercedes 
>>  wrote:
>> 
>> Went to the BMV here in Indiana today to get the E320 4Matic titled in 
>> state. Cost a whopping $105 for the title work and annual registration. Nice.
>> 
>> Even better - called the insurance company and got the policy changed to 
>> Indiana as well. Saved me more than 50% on my insurance premiums for the 
>> same coverage in Floriduh.
>> 
>> -D
>> ___
>> http://www.okiebenz.com
>> 
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>> 
>> To Unsubscribe or change delivery options go to:
>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
>> 
> 
> 
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Re: [MBZ] OT - Car Insurance

[Kaleb Striplin via Mercedes]

What are you paying for insurance up there?

Sent from my iPhone

> On Dec 31, 2020, at 12:08 PM, Dan Penoff via Mercedes  
> wrote:
> 
> Went to the BMV here in Indiana today to get the E320 4Matic titled in 
> state. Cost a whopping $105 for the title work and annual registration. Nice.
> 
> Even better - called the insurance company and got the policy changed to 
> Indiana as well. Saved me more than 50% on my insurance premiums for the same 
> coverage in Floriduh.
> 
> -D
> ___
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> 
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> 
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[MBZ] OT - Car Insurance

[Dan Penoff via Mercedes]

Went to the BMV here in Indiana today to get the E320 4Matic titled in state. 
Cost a whopping $105 for the title work and annual registration. Nice.

Even better - called the insurance company and got the policy changed to 
Indiana as well. Saved me more than 50% on my insurance premiums for the same 
coverage in Floriduh.

-D
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Re: [MBZ] Fuel prices

[Curt Raymond via Mercedes]

Our gas is $2.25, diesel, $2.59.

Sent from Yahoo Mail on Android 
 
  On Thu, Dec 31, 2020 at 12:07 PM, Dan Penoff via 
Mercedes wrote:   Here in Indiana gas is around $2.30 
and diesel around $2.75. Gas has been creeping up the last couple of weeks, 
I’ve noticed, both here and in Florida.

-D

> On Dec 31, 2020, at 12:02 PM, Kaleb Striplin via Mercedes 
>  wrote:
> 
> Getting back into town here I see gas is up to $1.95 and diesel 2.25. Been 
> mid to low $1.xx for quite a while here 
> 
> Sent from my iPhone
> 
>> On Dec 31, 2020, at 10:58 AM, Curt Raymond  wrote:
>> 
>> Diesel hasn't moved much here in a year or more. Gas had gotten cheap last 
>> spring but as you say it's creeping up now. 
>> 
>> Curt
>> 
>> Sent from Yahoo Mail on Android
>> 
>> On Thu, Dec 31, 2020 at 11:53 AM, Kaleb Striplin via Mercedes
>>  wrote:
>> Gas and diesel prices have sure been creeping up lately. 
>> 
>> Sent from my iPhone
>> 
>> ___
>> http://www.okiebenz.com
>> 
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>> 
>> To Unsubscribe or change delivery options go to:
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>> 
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> 


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Re: [MBZ] Fuel prices

[Dan Penoff via Mercedes]

Here in Indiana gas is around $2.30 and diesel around $2.75. Gas has been 
creeping up the last couple of weeks, I’ve noticed, both here and in Florida.

-D

> On Dec 31, 2020, at 12:02 PM, Kaleb Striplin via Mercedes 
>  wrote:
> 
> Getting back into town here I see gas is up to $1.95 and diesel 2.25. Been 
> mid to low $1.xx for quite a while here 
> 
> Sent from my iPhone
> 
>> On Dec 31, 2020, at 10:58 AM, Curt Raymond  wrote:
>> 
>> Diesel hasn't moved much here in a year or more. Gas had gotten cheap last 
>> spring but as you say it's creeping up now. 
>> 
>> Curt
>> 
>> Sent from Yahoo Mail on Android
>> 
>> On Thu, Dec 31, 2020 at 11:53 AM, Kaleb Striplin via Mercedes
>>  wrote:
>> Gas and diesel prices have sure been creeping up lately. 
>> 
>> Sent from my iPhone
>> 
>> ___
>> http://www.okiebenz.com
>> 
>> To search list archives http://www.okiebenz.com/archive/
>> 
>> To Unsubscribe or change delivery options go to:
>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
>> 
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Re: [MBZ] Fuel prices

[Kaleb Striplin via Mercedes]

Getting back into town here I see gas is up to $1.95 and diesel 2.25. Been mid 
to low $1.xx for quite a while here 

Sent from my iPhone

> On Dec 31, 2020, at 10:58 AM, Curt Raymond  wrote:
> 
> Diesel hasn't moved much here in a year or more. Gas had gotten cheap last 
> spring but as you say it's creeping up now. 
> 
> Curt
> 
> Sent from Yahoo Mail on Android
> 
> On Thu, Dec 31, 2020 at 11:53 AM, Kaleb Striplin via Mercedes
>  wrote:
> Gas and diesel prices have sure been creeping up lately. 
> 
> Sent from my iPhone
> 
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Re: [MBZ] Fuel prices

[Curt Raymond via Mercedes]

Diesel hasn't moved much here in a year or more. Gas had gotten cheap last 
spring but as you say it's creeping up now. 
Curt

Sent from Yahoo Mail on Android 
 
  On Thu, Dec 31, 2020 at 11:53 AM, Kaleb Striplin via 
Mercedes wrote:   Gas and diesel prices have sure been 
creeping up lately. 

Sent from my iPhone

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[MBZ] Fuel prices

[Kaleb Striplin via Mercedes]

Gas and diesel prices have sure been creeping up lately. 

Sent from my iPhone

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Re: [MBZ] 1961 Mercedes-Benz 190 E,$1,200

[Andrew Strasfogel via Mercedes]

Evicted from the barn in 1975 so as to embellish its patina.

On Thu, Dec 31, 2020 at 9:48 AM Floyd Thursby via Mercedes <
mercedes@okiebenz.com> wrote:

> Rat rod project?
>
> 1961 Mercedes-Benz 190 E
> $1,200
> Vehicles 
> Listed21 hours agoinBrinson, GA
> 
> Message
>
>
> About This Vehicle
>
> Driven 49,621 miles
> Manual transmission
> Exterior color: Off_white
>
>
> Seller's description
>
> 1961 Mercedes-Benz 190 E · Sedan · Driven 49,621 miles This car was
> bought from the daughter of its original owner. Have a folder full of
> original paperwork on the car. Bought to restore but never had the time.
>
>
>
> https://www.facebook.com/marketplace/item/700151770647296/?ref=search_code=undefined
>
>
> --
> --FT
>
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>
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>
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Re: [MBZ] 1986 Mercedes-Benz 500 SL,$18,500

[Andrew Strasfogel via Mercedes]

Gotta love a white car at that price.

On Thu, Dec 31, 2020 at 9:44 AM Floyd Thursby via Mercedes <
mercedes@okiebenz.com> wrote:

> Looks like BaT material
>
>
> https://www.facebook.com/marketplace/item/218879633189218/?ref=search_code=undefined
>
>
>
> Driven 69,335 miles
> Automatic transmission
> Exterior color: White·Interior color: Blue
> Fuel type:Gasoline
> Very goodcondition  >
>
>
> Seller's description
>
> This classic 560SL coupe has been meticulous cared for and in excellent
> condition. FB did not have a 560 option to input correctly. Runs smooth
> as silk and tires are in great condition. Clean title with full Carfax
> report including detailed service records. Bought a 93SL and just do not
> have the room to store. Garage kept. Like new blue leather interior and
> freshly detailed. This car is a head turner! Even the mats have been
> protected with plastic. This V8 was the most powerful SL in the 80's
> with a V8 227 hp topping out at 130 mph. 8/25/2020 AC service performed,
> battery replaced, crankshaft position sensor replaced, fuel system leak
> repaired, ignition coil replaced, new oil and filter and detailed.
> 10/03/2020 serviced as well. Selling for my next door neighbor.
>
> --
> --FT
>
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>
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>
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Re: [MBZ] 4X4 Niss-Cedes

[Dan Penoff via Mercedes]

Good to know, thanks!

This is a retirement thing, when we downsize vehicles and go to something 
that’s more of a commodity to reduce the hassles of maintenance and upkeep. I 
don’t mind doing maintenance sort of stuff, but don’t really want to be stuck 
doing major work on an aging fleet by then.

-D


> On Dec 31, 2020, at 8:34 AM, MG via Mercedes  wrote:
> 
> I love our old  03 Tacoma. It has the cyl with over 5K miles and no leaks. 
> The AC even works without any refills yet. The only thing is that it gets 
> about 20 mpg. The new one a TRD Sport with the 6 cyl gets 25 and better on 
> the road so that is the one we use the most for trips to Orlando and such.
> 
> MG
> 
> Dan Penoff via Mercedes wrote:
>> Allan,
>> How do you like your Nissan Frontier?
>> I ask because I’ve always wanted a small pickup truck for utility purposes, 
>> and the Frontier was always my first choice. I’ve yet to follow through on 
>> this, but as I near retirement I will probably pull the trigger.
>> -D
 On Dec 29, 2020, at 9:57 PM, Allan Streib via Mercedes 
  wrote:
>>> 
>>> I've thought about putting an OM617 in my '04 Nissan Frontier. It has a
>>> 5-speed manual and the gearing seems about right. But the factory V6 is
>>> running perfectly, the biggest issue with the vehicle is rust.
>>> 
>>> Allan
>>> 
>>> Kevin Kraly via Mercedes  writes:
>>> 
 Here’s some competition for the Mazcedes
 
 https://portland.craigslist.org/clk/cto/d/battle-ground-4x4-nissan-turbo-diesel/7254177424.html
 
>>> ___
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>>> 
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>>> 
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[MBZ] FB photographer of the day

[Floyd Thursby via Mercedes]

potato cam

1998 Mercedes-Benz E-Class E 320 Sedan 4D
$3,600

https://www.facebook.com/marketplace/item/237921417714004/?ref=search_code=undefined

--
--FT

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[MBZ] 1961 Mercedes-Benz 190 E,$1,200

[Floyd Thursby via Mercedes]

Rat rod project?

1961 Mercedes-Benz 190 E
$1,200
Vehicles 
Listed21 hours agoinBrinson, GA 


Message


   About This Vehicle

Driven 49,621 miles
Manual transmission
Exterior color: Off_white


   Seller's description

1961 Mercedes-Benz 190 E · Sedan · Driven 49,621 miles This car was 
bought from the daughter of its original owner. Have a folder full of 
original paperwork on the car. Bought to restore but never had the time.



https://www.facebook.com/marketplace/item/700151770647296/?ref=search_code=undefined


--
--FT

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[MBZ] 1986 Mercedes-Benz 500 SL,$18,500

[Floyd Thursby via Mercedes]

Looks like BaT material

https://www.facebook.com/marketplace/item/218879633189218/?ref=search_code=undefined



Driven 69,335 miles
Automatic transmission
Exterior color: White·Interior color: Blue
Fuel type:Gasoline
Very goodcondition 


   Seller's description

This classic 560SL coupe has been meticulous cared for and in excellent 
condition. FB did not have a 560 option to input correctly. Runs smooth 
as silk and tires are in great condition. Clean title with full Carfax 
report including detailed service records. Bought a 93SL and just do not 
have the room to store. Garage kept. Like new blue leather interior and 
freshly detailed. This car is a head turner! Even the mats have been 
protected with plastic. This V8 was the most powerful SL in the 80's 
with a V8 227 hp topping out at 130 mph. 8/25/2020 AC service performed, 
battery replaced, crankshaft position sensor replaced, fuel system leak 
repaired, ignition coil replaced, new oil and filter and detailed. 
10/03/2020 serviced as well. Selling for my next door neighbor.


--
--FT

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Re: [MBZ] 4X4 Niss-Cedes

[MG via Mercedes]

I love our old  03 Tacoma. It has the 
cyl with over 5K miles and no leaks. The 
AC even works without any refills yet. 
The only thing is that it gets about 20 
mpg. The new one a TRD Sport with the 6 
cyl gets 25 and better on the road so 
that is the one we use the most for 
trips to Orlando and such.


MG

Dan Penoff via Mercedes wrote:

Allan,

How do you like your Nissan Frontier?

I ask because I’ve always wanted a small pickup truck for utility purposes, and 
the Frontier was always my first choice. I’ve yet to follow through on this, 
but as I near retirement I will probably pull the trigger.

-D


On Dec 29, 2020, at 9:57 PM, Allan Streib via Mercedes  
wrote:

I've thought about putting an OM617 in my '04 Nissan Frontier. It has a
5-speed manual and the gearing seems about right. But the factory V6 is
running perfectly, the biggest issue with the vehicle is rust.

Allan

Kevin Kraly via Mercedes  writes:


Here’s some competition for the Mazcedes

https://portland.craigslist.org/clk/cto/d/battle-ground-4x4-nissan-turbo-diesel/7254177424.html


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Re: [MBZ] Caulk closed the sunroof?

[fmiser via Mercedes]

> Allan wrote:

> Thanks, I will probably give it a try! Did you buy it from the
> website or is it sold at retailers?

Eternabond is a common RV roof repair item.  If you want to buy
locally, check an RV supply store.

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