Viewing profile — pakile
pakile
HN member- Joined
- Mon, Apr 14, 2014, 12:11 AM UTC
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About pakile
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story
Tell HN: Things I Learned about Credit Bureaus This Week
Last week, 1 or more parties hacked my Equifax account, set up an account at TransUnion, and ran up charges on a cloned credit card in Brazil. To resolve this, I’ve interacted with…
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Comment #9642264
I ran into a login error on Transunion, and the password recovery wizard wouldn’t accept my info. When I called, TU reported that my account had also been taken over by a Yahoo! em…
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Comment #9636669
Thanks. This was very helpful. I had no idea it was even possible to get a new SSN. Mind if I ask: - Did you find any 3P services like AllClear ID compelling/useful? Sounds like Co…
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Comment #9636374
# part 2/3 # 3 days later, on May 31, I received a reply that Equifax was unable to locate the account, and requesting further information. I replied providing this information. I …
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Comment #9636372
# part 3/3 # I am deeply concerned that my account - and possibly Equifax itself - has been hacked, and would like to request the following: - Please expedite the investigation int…
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My Equifax account was hacked, and Equifax doesn't care
Below is the text of my email to Equifax today. Note: Separately from below, but for additional context, one of my Chase credit cards kicked off a fraud alert 1 day before the orig…
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Comment #7590153
I'm the author of this website/article, and I have an important update. I added this Epilogue to the website tonight: -- I created this website two days ago, and during that time, …
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Comment #7590116
Good eye, electriclove - there was an error in the spreadsheet that was adding in fuel costs from another row. I updated the spreadsheet. It results in a pretty big change. I'm goi…
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Comment #7590103
Your proposal is essentially what my friend, Travis, did on the 2nd tab of the worksheet, which is a cash flow model.
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Comment #7590096
I put the info on the depreciation worksheet. I used a range of 11.5-13% per annum based on observed values for the Roadster, and to be conservative, used 13%.
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Comment #7584744
Tesla offers the option to purchase 4y of maintenance for $1900, which I included in the model, vs. $600/yr. The options are nearly economical neutral, but I plan to do at least th…
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Comment #7583808
Feel free to play with the annual mileage figures on the model. For my family's situation, I played around with it with mostly either 12K or 15K annual miles.
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Comment #7583801
Scroll down to "Cold Weather Performance" on this page: http://www.teslamotors.com/models/features#/performance I forgot to write about this on www.teslacost.com, but one reason I …
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Comment #7583798
This is definitely an important factor in the model. The frame of mind I tried to use is, what would I pay today, in 2014, for a luxury car of Tesla caliber that is, say, Model Yea…
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Comment #7583782
Haha, thanks for pointing that out. I'll play around with it after dinner and try to find something less annoying.
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Comment #7583778
Travis (who forked my model to create the cash flow model) and I chatted about this. It's primarily due to the effect of time value on money, when you finance the car. If you were …