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Re: Heat pump question

I am in North West TN. Even with the Bootheel of MO. We are in climate zone 3, according to this map: http://www.energyvanguard.com/knowledge/us-climate-zones/ It does not normally stay below freezing during the winter for more than a week at a time. There are no natural gas lines in my part of the ...
by Crow Hunter
Fri Oct 31, 2014 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 43
Views: 1462

Re: Heat pump question

Thanks for all the replies! I know it isn't the capacitor. That is the "jump starter" for the heat exchanger and the compressor. I actually had a problem with that 2 or 3 years ago and replaced it with a slightly larger one and it hasn't been a problem since. So far anyway. :| The service ...
by Crow Hunter
Fri Oct 31, 2014 8:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 43
Views: 1462

Re: Heat pump question

Back to OP's question. We had our heatpump system (outside unit and air handler) replaced two years ago. The previous one was over 10 (outside) and over 30 (airhandler). We installed a two stage outside unit with variable speed air handler. In addition to lowering our running cost, the system is mu...
by Crow Hunter
Thu Oct 30, 2014 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 43
Views: 1462

Re: Heat pump question

It's time to a least think about a replacement system. Sounds like it might be a very inefficient system even when running. You could probably contact the manufacturer with your model and serial number and find out more about its efficiency. R22 refrigerant went out many years ago and is extremely ...
by Crow Hunter
Thu Oct 30, 2014 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 43
Views: 1462

Re: Heat pump question

I'm not a HVAC engineer, but have a chemical engineering background and have had a ground source heat pump. When you are saying 'heat strips' are you talking about the resistance heat? If so, it sounds like the heat pump is not working at all. Could be low freon (leak) or the compressor might be ba...
by Crow Hunter
Thu Oct 30, 2014 2:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 43
Views: 1462

Re: A Little Common Core Math problem

I am impressed that they are teaching math at that high a level in 4th grade. I don't remember solving algebra equations until much later in life. I agree with The Wizard, multiple choice isn't a very good way to evaluate whether or not you learned something. It is a good way to evaluate if you are ...
by Crow Hunter
Thu Oct 30, 2014 2:26 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2418

Heat pump question

I think I am going to have to replace my heat pump, but before I do so, I want to get some information from people who have more experience with them. Prior to owning this house, I have never lived in a house that has an air source heat pump. Example: -Thermostat set to 67 degrees -Temperature drops...
by Crow Hunter
Thu Oct 30, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 43
Views: 1462

Re: How do you wash your car?

Poll results are rather startling. So far, overwhelming majority of those who voted say they rarely/never get car washed. Seems strange to me that bogleheads would be so, er, irresponsible, regarding such an expensive item. :shock: The expense in the item is the ability to transport me, my family o...
by Crow Hunter
Fri Oct 24, 2014 3:55 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 6839

Re: How often do you change your car's oil?

Every ~5000 miles or earlier if the oil looks especially dirty using non-synthetic. I have been known to go longer if the oil looks fairly clean. Years ago I used to just change it when it didn't really look like oil anymore. :D Personally, I think in most modern engines you are going to break somet...
by Crow Hunter
Fri Oct 24, 2014 8:52 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6235

Re: Smart people, please help us (agriculture exemption)

Cows will not eat all your grass so you don't have to mow, unless you are starving them to the point that they will eat anything. And at that point they will go through the fences and your 3 acre neighbors will be highly unhappy with you. Even if you have 10 acres you don't have enough to keep cows...
by Crow Hunter
Wed Oct 22, 2014 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Smart people, please help us (agriculture exemption)
Replies: 19
Views: 901

Re: "I've had it" at work - how often

placeholder wrote:Nobody can force you to work 60 hours a week so if that's a major source of unhappiness and you're thinking of leaving anyway just start working 40 and tell them that's the way it is and see how it goes.


I have been doing this from the time I started working at my new company. It works.
by Crow Hunter
Tue Oct 21, 2014 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12471

Re: What is the best way to sell guns and get the best price

It depends on the type and the desirability of the guns. If they are just run of the mill extremely common rifles/shotguns, your best bet would be to sell locally via classifieds. Honestly, you probably won't get enough of a premium selling them to waste your time and might be better off taking it t...
by Crow Hunter
Tue Oct 21, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the best way to sell guns and get the best price?
Replies: 20
Views: 1107

Re: How do you wash your car?

...................To answer the question regarding never wash / wax the car: bird dropping, saps, etc erodes the clear coat. You'll have more chance of clear-coat peeling off if there's no wax on the it and those elements are never removed. If you don't care about the appearances, then I guess it ...
by Crow Hunter
Mon Oct 20, 2014 11:17 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 6839

Re: How do you wash your car?

I rarely wash it. Maybe once or twice a year when my wife will start washing them and I feel guilty so I go and help. If she doesn't start washing I won't. :twisted: Now I keep in interior immaculate but I could really care less about the exterior. As soon as I wash it, it will get dirty again. I ha...
by Crow Hunter
Mon Oct 20, 2014 10:33 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 6839

Re: "I've had it" at work - how often

I am 41 and I have been in engineering for 17 years. 7 years for my current employers. I occasionally have that feeling, maybe 1 or 2 times a year. Usually it is while I am dealing with Marketing. (Think 7 Red lines) :D My current job is stimulating (lots of creative and testing time) job and I only...
by Crow Hunter
Mon Oct 20, 2014 8:53 am
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12471

Hypothetical TLH question

Can you get into a wash sale issue if say on the 15th of a month you TLH a S&P 500 Index fund in your taxable account with fund company A but on the last day of the month you make an automatic 401k contribution to your 401k that happens to have a S&P 500 Index fund at fund company B. Wouldn'...
by Crow Hunter
Fri Oct 17, 2014 9:58 am
 
Forum: Investing - Theory, News & General
Topic: Hypothetical TLH question
Replies: 2
Views: 252

Re: Re-entering market - all at once, or over time?

I recently went "all in" with a much, much smaller inheritance. I realize that it was the best thing to do, but if I could go back in time and do it over again, I would DCA it over a year. I would feel much better about it rather than having that, "If I had just waited one more day&qu...
by Crow Hunter
Thu Oct 16, 2014 3:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Re-entering market - all at once, or over time?
Replies: 13
Views: 927

Re: Headed for a 300+ point loss today?

I am one of the peekers. I am supposed to be at 69/31 according to my IPS but I was actually 71/29 'ish prior to this downward trend. Now I am sitting at 68/32'ish. Still trying to decide if I should use the cash that I am saving up for my Roth contribution after Jan first to do some opportunistic b...
by Crow Hunter
Thu Oct 16, 2014 1:20 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 445
Views: 30539

Re: Preventing animals from chewing through garage threshold

Unfortunately, we are all allergic to cats and I used to own several when I didn't know I was allergic. There are also a lot of skunks in my neighborhood, a hazard for dog owners. One the neighbor's dog is not all that bright. Every week, it has to live in the garage because it attempts to go after...
by Crow Hunter
Wed Oct 15, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Preventing animals from chewing through garage thresholds
Replies: 23
Views: 1468

Re: Recent statistics of college majors

Well, I’m an electrical engineer, and I don’t think we should discourage anyone who wants to give an engineering degree a shot... I was a teaching assistant (TA) in the Thermodynamics course for three semesters at a flagship state university. The course was mandatory for all engineering specialties...
by Crow Hunter
Wed Oct 15, 2014 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recent statistics of college majors
Replies: 35
Views: 2668

Re: Ebola preparation

Water is what you have to worry about. Drinking water and sanitation water. Do you you think that water would be contaminated? Or you think that water would be shut off? Victoria Either/Or. Water is the thing that you have to have survive. You will die of dehydration long before you starve or even ...
by Crow Hunter
Tue Oct 14, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Ebola preparation
Replies: 55
Views: 2246

Re: Ebola preparation

To the OP. Water is what you have to worry about. Drinking water and sanitation water. People can go a LONG time without food. Especially Americans. :wink: Plan on being able to stay in your home until the incubation period has passed, at least. (I believe that is 2 weeks IIRC) Enough food and water...
by Crow Hunter
Tue Oct 14, 2014 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Ebola preparation
Replies: 55
Views: 2246

Re: Buy a new car, or fix the old one?

In other words the statistical probability of a person who's car is not physically worn out before it needs to be replaced for safety obsolescence is much more likely to need to spend that money with other safety issues in their life than to buy a new car for safety features alone. Not a sound argu...
by Crow Hunter
Tue Oct 14, 2014 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Buy a new car, or fix the old one?
Replies: 55
Views: 3024

Re: Another Rebalancing Question

Yeah. I think that my plan is going to be to do an annual rebalance as long as the Cost Basis is green on the asset that I am over on and just leave it alone if the Cost Basis screen is red on the high number. For instance, right now, if I were going to rebalance, I would just leave it alone because...
by Crow Hunter
Tue Oct 14, 2014 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: Another Rebalancing Question
Replies: 2
Views: 312

Re: Buy a new car, or fix the old one?

Now I have never put numbers to it, but in my mind, the likelihood of a person being injured in a car crash is directly proportional to the time spent in the car and therefore, the likelihood of a car outliving its safety features would be a statistical outlier to a person who drives it so little th...
by Crow Hunter
Tue Oct 14, 2014 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Buy a new car, or fix the old one?
Replies: 55
Views: 3024

Re: Relatively new here. What did you do in 2008/09

I didn't do anything in 2008/09. Would've rebalanced, but was 100% equities. Same for me. When I finally recovered back to my pre-crash levels I found this site and switched my AA to 80/20. I wish I had done it in 2007 when I rolled my 401k over to Vanguard, when I wanted to put it in Target Retire...
by Crow Hunter
Tue Oct 14, 2014 1:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 7040

Another Rebalancing Question

If you do an annual rebalance, do you reallocate to your target AA no matter what or do you only change something if it is greater than your +/-%? My current plan is to evaluate and rebalance on the first trading day after I have taken the RMD for my inherited IRAs, which will be the first trading d...
by Crow Hunter
Mon Oct 13, 2014 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: Another Rebalancing Question
Replies: 2
Views: 312

Re: Invest earlier or stick with the plan?

Don't you have any other investment accounts like a 401k with which you could rebalance? I have not actually reached any rebalancing bands yet. I was just going to invest in what I am currently off target the most on. Currently I am 1.9% off target on International and high on Bonds/Domestic Stock....
by Crow Hunter
Mon Oct 13, 2014 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: Invest earlier or stick with the plan?
Replies: 5
Views: 334

Invest earlier or stick with the plan?

I have a cash amount that I have been building up in my checking account. The plan as it currently stands is to make my 2015 Roth IRA contributions for myself and my wife after the first of the year. If the market continues on it downward slope for the next several weeks, would it be a bad idea to t...
by Crow Hunter
Mon Oct 13, 2014 11:44 am
 
Forum: Investing - Theory, News & General
Topic: Invest earlier or stick with the plan?
Replies: 5
Views: 334

Re: Buy a new car, or fix the old one?

You're right -- a Sentra might not be worth it. I've got a Maxima, so perhaps more worth it. Minor observation: a car that gives you a $1,200 repair bill after 90,000 miles has not treated you well. Sounds like you got a bad Nissan / bad car. (12 years old isn't that old either; the average age of ...
by Crow Hunter
Mon Oct 13, 2014 9:51 am
 
Forum: Personal Consumer Issues
Topic: Buy a new car, or fix the old one?
Replies: 55
Views: 3024

Re: Buy a new car, or fix the old one?

I would get more information about the issue first. A rack and pinion is a type of gear. Gears don't leak. :wink: Most cars do have a rack and pinion power steering system. If you have a leak in your power steering system, you might be able to mitigate that cheaper if you find out precisely where th...
by Crow Hunter
Sun Oct 12, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Buy a new car, or fix the old one?
Replies: 55
Views: 3024

Re: Real life windfall experiences?

I received an inheritance earlier this year. It wasn't enough to retire right now but it does significantly reduce the amount of time before I can retire. I wish that I had dollar cost averaged once per month over a year instead of going "all in" at what was apparently the height of the ma...
by Crow Hunter
Wed Oct 08, 2014 8:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Real life windfall experiences?
Replies: 23
Views: 4344

Re: Best Place To Buy Actual Gold Coins

I don't care if they're American Eagles, Krugerrands... All I care about is the gold content You'll almost always get more gold for your money by buying krugs, as there's a slight premium for American Eagles. If you plan to sell these back some day, you're likely to get the Eagle premium back. Howe...
by Crow Hunter
Wed Oct 08, 2014 8:13 am
 
Forum: Personal Consumer Issues
Topic: Best Place To Buy Actual Gold Coins
Replies: 28
Views: 2300

Re: Best Place To Buy Actual Gold Coins

I like JMBullion and Apmex. I have used them both in the past. I don't think that you will be able to find actual coins that don't have a premium over spot price. I think you might be able to get a lower premium buying just assayed gold from Pamp Suisse or the like. Part of the premium that you are ...
by Crow Hunter
Tue Oct 07, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Best Place To Buy Actual Gold Coins
Replies: 28
Views: 2300

Re: [Medallion Signature Dilemma, Assistance Requested]

I had a recent similar experience with my bank. My mother passed away and because my brother is incarcerated, I had to do all his banking stuff as well. One branch pretty much just said "Ok" every time I asked for a Medallion, and stamped it and went on. At the main office, however, I had ...
by Crow Hunter
Mon Oct 06, 2014 8:55 am
 
Forum: Personal Finance (Not Investing)
Topic: [Medallion Signature Dilemma, Assistance Requested]
Replies: 15
Views: 1532

Re: Why I sold my gold, and would sell commodities too

' gold coins Probably because you have lost them overboard in that very dangerous lake! I don't know if you're serious. It seems some people seriously believe there's no scenario where paper asset values could be fatally compromised, including in a relatively orderly and democratic way 'for the gre...
by Crow Hunter
Fri Oct 03, 2014 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: Why I sold my gold, and would sell commodities too
Replies: 71
Views: 5356

Re: Why I sold my gold, and would sell commodities too

Down another 6% since I bailed on Sept 5. (Oh, and so are commodities) So far, I'm feeling good. Actually I was looking at that today. I told myself when it got down to $1,100 and ounce I was going to buy some. At this rate, I might hit my trigger earlier than I thought. If it keeps going down, I m...
by Crow Hunter
Fri Oct 03, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: Why I sold my gold, and would sell commodities too
Replies: 71
Views: 5356

Re: Is my husband a spendthrift? Or I a tightwad?

If you don't sharing, without getting into more detail than you want, what type of job do you work and in what general area of the country that allows you to bring in that type of income with only 30 hours/week? I am an engineer and my wife is an HR manager at a fairly large company and both of us c...
by Crow Hunter
Fri Oct 03, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 15849

Re: Get some Exercise!

I made my own standing desk at work. Much better than sitting. Now I can't stand to work and sit. I also walk at least 1.5 miles per day. I am going to up that to 3 miles once it cools off some and I can walk on the walking track at work on my lunch break. I need to start back to lifting weights som...
by Crow Hunter
Fri Oct 03, 2014 11:27 am
 
Forum: Personal Consumer Issues
Topic: Get some Exercise!
Replies: 23
Views: 2427

Re: How Long Should I Keep My Car?

I or my wife have always had a fairly long commute. I target 300,000 miles but I haven't hit that yet. :D My best was my wife's 2001 Corolla. I got 234,000 miles before I hit a patch of black ice and got intimate with a pine tree at 35 MPH. It technically was probably fixable, but I got somewhere no...
by Crow Hunter
Thu Oct 02, 2014 12:54 pm
 
Forum: Personal Consumer Issues
Topic: How Long Should I Keep My Car?
Replies: 50
Views: 4105

Re: LED Flashlights

If you just want something to get around the house after the power goes out, just get a crank light. You never have to worry about the batteries and it is more than bright enough to navigate around the house. That is what we have next to the bed for when we lose power in storms. Now for the bump in ...
by Crow Hunter
Wed Oct 01, 2014 9:12 pm
 
Forum: Personal Consumer Issues
Topic: LED Flashlights
Replies: 51
Views: 3701

Re: LED Flashlights

I personally like Surefire. I have 4 or 5 of the 6P LEDs and I have a couple of their X300 weapon lights and a small single cell one on a pocket clip that I carry with me all the time. I have never managed to break one. They can be on the expensive side though. Their G series lights have plastic ins...
by Crow Hunter
Wed Oct 01, 2014 4:21 pm
 
Forum: Personal Consumer Issues
Topic: LED Flashlights
Replies: 51
Views: 3701

Re: When should someone "not stay the course"?

InvestorNewb wrote:Thanks for the replies. I bought more international today with the dividends that were paid out yesterday.


Good!

Me too.
by Crow Hunter
Wed Oct 01, 2014 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: When should someone "not stay the course"?
Replies: 43
Views: 2570

Re: Should I include this in my net worth?

Man, I so wish I had gone with a government job sometimes.

I think that is darn near all the vacation that I have ever taken since I have started working.

I am so jealous. :D
by Crow Hunter
Wed Oct 01, 2014 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I include [banked vacation days] in my net worth?
Replies: 40
Views: 2973

Re: Buying more when markets are down

I had the same question last week. I had a dividend from my Total International that was sitting in my sweep account.

I waited until today, my normal investment day per my IPS and combined it with my other dividends that are paid on the last day of the month.

I am happy I waited. :twisted:
by Crow Hunter
Wed Oct 01, 2014 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: Buying more when markets are down
Replies: 61
Views: 5165

Re: When should someone "not stay the course"?

Or you could be like me and invest quite a bit lump sum at almost the yearly high and then watch it drop like a rock. I am down $8,000 to date. I am just hoping it stays down through tomorrow when it is time to buy more. :mrgreen: I have been investing in International since I started investing in 1...
by Crow Hunter
Tue Sep 30, 2014 3:36 pm
 
Forum: Investing - Theory, News & General
Topic: When should someone "not stay the course"?
Replies: 43
Views: 2570

Re: Vanguard: "Don't let debt delay or derail your retiremen

I think this is a good article for entry level savers or people who aren't really interested in their retirement savings versus most Bogleheads. I am sorry that some people find it insulting but listening to my wife on a daily basis (she is an HR manager) and hearing what people come to her about an...
by Crow Hunter
Tue Sep 30, 2014 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard: "Don't let debt delay or derail your retirement"
Replies: 33
Views: 2248

Re: Bogleheads, help me be less afraid of international stoc

Also, keep in mind, that as an index as those things you are afraid of come to pass and other countries gain more value they will surpass the countries that aren't doing so well. I hope that just like there is a chance that 2 or 3 stocks in the Total Market Index fund (Like Google and Apple) are goi...
by Crow Hunter
Tue Sep 30, 2014 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, help me be less afraid of international stocks
Replies: 53
Views: 3730

Re: Lakefront property with small children?

My neighbor has an eight year old and a 3 year old. My neighbor across the lake has 3 kids (I don't remember their ages but none over 8). I grew up on a farm and around farms with stock ponds. As odd as this sounds there is a difference between a pool and a lake. Kids will be attracted to a pool bec...
by Crow Hunter
Tue Sep 30, 2014 1:08 pm
 
Forum: Personal Consumer Issues
Topic: Lakefront property with small children?
Replies: 44
Views: 2111

Re: Maybe going back to cash isn't such a bad idea

Not using a credit card isn't going to help you.

I just got a letter in a couple of weeks ago that said my doctor's office was hit by Chinese hackers but "they didn't think" that it would be a problem but they provided free credit monitoring for a year.
by Crow Hunter
Tue Sep 30, 2014 9:21 am
 
Forum: Personal Consumer Issues
Topic: Maybe going back to cash isn't such a bad idea
Replies: 18
Views: 2040
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