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Re: What's your average ER?

I enjoy that this thread has so many responses which proves I'm not the only nerd out there calculating the effective ER of my retirement portfolio! As of month-end February, just updated about an hour ago: My 401K - 0.0872 My Roth IRA - 0.0871 Wife's 457b - 0.0736 (Wife's Roth IRA is 100% in TD2045...
by NHRATA01
Mon Mar 02, 2015 10:43 am
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 77
Views: 3180

Re: Are remote starters bad for cars?

Any car this century ...(t)he maximum you should generally warm up your engine is as 'wander' said "when the temperature gauge starts to move". Such this century cars may exist, but my cars from this century do not have temperature gauges. :) They did mid-last century though. :) Some of u...
by NHRATA01
Fri Feb 27, 2015 2:53 pm
 
Forum: Personal Consumer Issues
Topic: Are remote starters bad for cars?
Replies: 41
Views: 2498

Re: Are remote starters bad for cars?

I would be worried about the effect on the engine by warming at idle in the winter. When the engine is cold, lubrication is at its worst, and you would be prolonging operation with poor lubrication. As I recall, auto owners manuals suggest immediately after starting to drive at moderate speeds to w...
by NHRATA01
Fri Feb 27, 2015 9:36 am
 
Forum: Personal Consumer Issues
Topic: Are remote starters bad for cars?
Replies: 41
Views: 2498

Re: Should I shut off water in a vacant home in winter?

If the choice is shutting off water and heat or having both on, I think I'd leave them both on. Have you asked the owners what they want or presented them with some of the monitoring options in this thread? I think my only concern would be if there's a failure of the heating system which goes unnot...
by NHRATA01
Wed Feb 25, 2015 11:10 am
 
Forum: Personal Consumer Issues
Topic: Should I shut off water in a vacant home in winter?
Replies: 15
Views: 1373

Re: Overfilled Oil in Car - Cause of Oil Leak?

NEVER, EVER go to a quick change oil shop. +1 As I understand it, the people who work there are not qualified mechanics, and don't really follow the necessary procedures. The people who change their oil themselves are not qualified mechanics and don't really follow the necessary procedures. One nee...
by NHRATA01
Sun Feb 15, 2015 9:22 am
 
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 29
Views: 1555

Re: Overfilled Oil in Car - Cause of Oil Leak?

Most likely it is not the cause of the leak. For one, check the oil shortly after turning the car off, this will give you an accurate reading of what the level in the sump is while the car is running. When the car sits overnight, all of the oil that circulates in the engine's top end (the head(s) ie...
by NHRATA01
Sat Feb 14, 2015 12:36 pm
 
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 29
Views: 1555

Re: Which light bulbs are best bang for the buck?

replace with an LED and be confident that with luck, you won't replace it again in your lifetime in the house. Well hold on now, depending upon the owner's age that might be the wrong luck! :mrgreen: It is amusing to consider the possibility my 3 y/o''s children may very well see some of my existin...
by NHRATA01
Fri Feb 13, 2015 9:08 am
 
Forum: Personal Consumer Issues
Topic: Which light bulbs are best bang for the buck?
Replies: 41
Views: 3473

Re: Which light bulbs are best bang for the buck?

Honestly for a closet or location with typical short duty cycle use, I would stick with an olden-style incandescent. The light isn't on long enough to generate much savings over a more efficient CFL or LED and they're cheap out of the box. CFL's dont' deal well with short duty cycles and while LED's...
by NHRATA01
Thu Feb 12, 2015 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Which light bulbs are best bang for the buck?
Replies: 41
Views: 3473

Re: question about investing in oil, USO

If you want to engage in energy speculation, my suggestion would be VDE, the Vangauard energy index ETF (or VGENX the corresponding mutual fund). It reasonably correlates to oil price but adds the diversity of producers/refiners (like Exxon-Mobil) and service providers (like Halliburton) as well as ...
by NHRATA01
Tue Feb 03, 2015 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: question about investing in oil, USO
Replies: 15
Views: 1099

Re: Survey - Men Who Exercise At a Gym

I'll wear a shirt/shorts two times to the gym then wash. However I go to lift so while I do sweat a little it's not like doing a 30 minute spin class.
by NHRATA01
Sat Jan 17, 2015 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Survey - Men Who Exercise At a Gym
Replies: 23
Views: 2674

Re: boglehead workout

The nice thing about starting strength or stronglifts is it really builds functional strength. Yes, it will help aesthetically as well, though if that's truly what you're after, there are probably more targeted programs to get you the washboard and big guns. But building functional strength helps wi...
by NHRATA01
Tue Jan 13, 2015 11:49 am
 
Forum: Personal Consumer Issues
Topic: boglehead workout
Replies: 39
Views: 4596

Re: boglehead workout

I've been lifting almost 20 years and I was also going to say the stronglifts 5x5 is a boggleheadish routine for someone starting weight training at a gym. 5 exercises total, done 3 at a time, 3-4 days per week. Roughly one hour needed to complete a session. Only need a floor, squat rack, and flat b...
by NHRATA01
Sun Jan 11, 2015 5:04 pm
 
Forum: Personal Consumer Issues
Topic: boglehead workout
Replies: 39
Views: 4596

Re: Snow blower maintenance and repair

The ethanol is a pain in the behind. I have a very lightly used 3 year old blower, and I was always good about draining the gas come springtime and running until stall out. Well this fall (2 days before an early snowstorm that caught me off guard) I go to fire it up, and it will only run on full cho...
by NHRATA01
Mon Dec 29, 2014 8:55 am
 
Forum: Personal Consumer Issues
Topic: Snow blower maintenance and repair
Replies: 26
Views: 2450

Re: Buying Vanguard Energy Index

I don't think it's a bad idea presuming you have a longer term outlook, because energy WILL get more expensive at some point in the future. Will the energy sector outperform the S&P 500 or the total market over the next few years? That's hard to know. I do invest in the Vanguard Energy ETF (VDE)...
by NHRATA01
Fri Dec 19, 2014 10:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying Vanguard Energy Index
Replies: 22
Views: 2930

Re: Dealer Regular Sched. Maintenance Question

Further he said, he imagined it would be the same cost. When I pointed out that the oil changes are not required for 7500 miles or 12 month, he went on to say that we do not live in normal conditions [Western NY]. He said the owners manual would only work if I lived in AZ and had full synthetic oil...
by NHRATA01
Mon Dec 15, 2014 11:59 am
 
Forum: Personal Consumer Issues
Topic: Dealer Regular Sched. Maintenance Question
Replies: 15
Views: 818

Re: 2012 Honda Pilot Tranny Fluid Change?

I've never knew of a car that needed a trans fluid change that soon. A lot of owners manuals are very ambiguous about trans fluid changes these days, usually something along the lines of 100K for "non severe service" if an interval is called out at all. Transmission fluid is not exposed to...
by NHRATA01
Thu Dec 04, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: 2012 Honda Pilot Tranny Fluid Change?
Replies: 23
Views: 1812

Re: Buying a lasting vehicle

I've been in a GM family for years and between my parents and I, the only real reliability lemon in there was an '03 Blazer I bought at the end of it's model run for dirt cheap ($14.7K on a 27K sticker) after sitting on the lot for a year. That said in general it is hard to dispute that Toyota and H...
by NHRATA01
Thu Nov 20, 2014 9:21 am
 
Forum: Personal Consumer Issues
Topic: Buying a lasting vehicle
Replies: 33
Views: 5439

Re: Light Bulb Question

:oops: All I had a question was about spiral versus regular cfl's, I am not interested in being sold on led's. Vs. a CFL, it's a far better solution though. If you're not concerned about energy savings then get an incandescent. CFL's have horrible quality light, don't dim well (no matter what the b...
by NHRATA01
Thu Nov 20, 2014 9:12 am
 
Forum: Personal Consumer Issues
Topic: Light Bulb Question
Replies: 66
Views: 7175

Re: Buick regal/chevy impala

What is the average age of the owners of a buick car? I like the accord or camry, but perhaps those are a different consumer than a buick. Actually Toyota/Lexus is seeing their average age rise, while Buick's has been dropping for some time. The Avalon/Camry/ES350 tend to be the newer favorites of ...
by NHRATA01
Wed Nov 19, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Buick regal/chevy impala
Replies: 12
Views: 1450

Re: Buick regal/chevy impala

I have a 2012 Regal GS, was 32 when I bought it. I have had no issues at all so far in 28K miles. They do come with a 4/50 bumper to bumper (the Chevy is 3/36) and 6/70 (Chevy is the same) powertrain warranty. On the forums most of the issues tend to be nagging electrical gremlins and affect the 11'...
by NHRATA01
Wed Nov 19, 2014 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Buick regal/chevy impala
Replies: 12
Views: 1450

Re: Basic investment question

Great breakdown, Thank You! So if I'm not going to be working at the margins of the maximum allowed, it really isn't going to effect me in this way. Granted any money taken out can never truly be 'replaced' in the account (Even if you take out $1,000, and put in $5,500 you're only up $4,500 instead...
by NHRATA01
Tue Nov 18, 2014 4:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Basic investment question
Replies: 17
Views: 2141

Re: Basic investment question

What does that mean it can't be 're-filled'? From Forbes: "Keep in mind you’re losing tax-free compounding on the amount you withdraw, and you can’t replace the money in the account. Instead you can simply start anew with future annual contributions." I'm confused. Does that mean that if ...
by NHRATA01
Tue Nov 18, 2014 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Basic investment question
Replies: 17
Views: 2141

Re: car sensor showing TPMS sign

Would replace the TPMS unit, or depending on age of car all 4 units, next time you swap out new tires. I think TPMS units have a lifespan of about 10 years or so. As a side note, depending on what year/model your car is you may not have TPMS integrated in the valves at all. Most car manufactures ha...
by NHRATA01
Mon Nov 17, 2014 12:24 pm
 
Forum: Personal Consumer Issues
Topic: car sensor showing TPMS sign
Replies: 26
Views: 2205

Re: What To Do With $85K Inheritance?

I'm not understanding the suggestion to pay off the 2% car loans. Unless your tax-adjusted interest rate on your real estate is less than 2%, that just doesn't make sense to me. Someone mentioned that the auto loans are unsecured. They are not. -Increase Cash Flow -Eliminate Debt -Simplify -Many pe...
by NHRATA01
Thu Nov 06, 2014 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: What To Do With $85K Inheritance?
Replies: 46
Views: 2946

Re: What To Do With $85K Inheritance?

As a recently divorced person, I personally would never co-mingle inheritance. I was married for a long time and never thought it would happen to me. My advice: Taxable account in you own name. As a happily married person who has virtually joint everything with his wife, I would not co-mingle an in...
by NHRATA01
Thu Nov 06, 2014 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: What To Do With $85K Inheritance?
Replies: 46
Views: 2946

Re: IRA for young kids - undecided IRA or something else

I was kind of thinking the earned income would be an issue. Can you fund a non-deductible IRA for a child? What I did for each of the 3 (7, 5, 2.5) is put their cash gifts into a savings account up to $2K and thereafter put the rest in a (taxable) Vanguard TSM index. Of course I kind of co-mingled a...
by NHRATA01
Thu Nov 06, 2014 3:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA for young kids - undecided IRA or something else
Replies: 4
Views: 446

Re: What do you set your thermostat to (in F)?

Usually about 71-72 until my wife sees it and jacks it up more. Then I have to wait a few minutes 'till she's not looking and turn it back down again. That's funny, in the summer I try to keep the AC at 74. Wife usually bumps it down to 72. And I've had her bump the heat up to 70 because she was co...
by NHRATA01
Tue Nov 04, 2014 1:58 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4920

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

Change the oil when the car tells you to. If your car won't say, get a GM car. Or, at least once a year, in the fall. Like now. Oil does play a significant role in cooling the engine properly. Don't run low on oil level. (Oil splashing takes heat from the underside of the pistons and distributes it...
by NHRATA01
Tue Nov 04, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 13318

Re: What do you set your thermostat to (in F)?

67, only because of the Mrs. I'm quite happy at 65, or even lower at night under blankets.

I turn it down to 60 when we leave for work. The basement is at 58. I'm hesitant to push it too much lower for fear of freezing a pipe on an outside wall.
by NHRATA01
Tue Nov 04, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4920

Re: How long can a 1995 Chevrolet Beretta last?

rec7 wrote:
deanbrew wrote:Longer than I would want to drive it.


You won't see them in the indy 500 no time soon.


You would if it were 1990 :D
by NHRATA01
Fri Aug 29, 2014 11:56 am
 
Forum: Personal Consumer Issues
Topic: How long can a 1995 Chevrolet Beretta last?
Replies: 10
Views: 862

Re: Donald Trump - The Apprentice

Used to watch it. When it was real people it was interesting, but then when the celebrity shows came on, it came down to keeping 'colorful' people on to keep ratings. Trump himself has begun to pontificate too much. http://www.nydailynews.com/entertainment/tv-movies/penn-tell-all-magician-rips-dona...
by NHRATA01
Fri Aug 29, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: Donald Trump - The Apprentice
Replies: 27
Views: 1772

Re: Retirement luxury vehicle

Mercedes bought Chrysler who bought American Motors. That sort of stuff sticks. Get a Lexus. In their defense, Chrysler was running quite profitably before the Germans took over. Daimler wanted Chryslers SUV platform which they built the ML off of while tossing Mopar an old E-class platform to buil...
by NHRATA01
Sat Aug 16, 2014 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4719

Re: Retirement luxury vehicle

I would much favor owning a Lexus out of warranty over a Benz or other German make.

The CLA is an extremely harsh riding car, and frankly feels cheaper than an Accord.
by NHRATA01
Sat Aug 16, 2014 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4719

Re: Partial transfer from Ameritrade to Vanguard

TDA does wave commissions if you set up an automatic recurring monthly investment - however I can't recall if it's limited to mutual funds (I use it with VFINX) or inclusive of ETF's.
by NHRATA01
Mon Aug 11, 2014 7:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Partial transfer from Ameritrade to Vanguard
Replies: 8
Views: 593

Re: Riding Mower Help Needed

At almost 3 acres and relatively flat, I would also suggest a zero turn. I can echo much of the earlier advice - avoid the cheap stuff at the big box stores and go for quality. On the low end you're probably looking at $3-$5K range, high end at $7K and up. While I don't think you need to go straight...
by NHRATA01
Thu Aug 07, 2014 7:33 am
 
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 49
Views: 2948

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Please don't just take my advice on the Sequoia though...I encourage you to continue to do your due diligence and look for data you can trust. As you know, there are plenty of websites with opinions, but you really want actual data. I agree. One fact: 2013 Toyota Sequoia Sales: 13k 2004 Toyota Sequ...
by NHRATA01
Wed Aug 06, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 12533

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

So all those '99-'04 Honda Accord/Acura automatic transmission failures were the car holding up? Or the ongoing Toyota 3.0 V6 sludge problems? Nissan generally being mediocre and Mitsubishi continually at the bottom for over a decade? Honda/Toyota had stellar reliability in the 80s and 90s which go...
by NHRATA01
Tue Aug 05, 2014 7:07 am
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 12533

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Single data point, but Car and Driver completed its 40,000 mile road test of the Ram 1500 and only item to repair was a $3 fuse. Drivers remain very impressed with comfort, performance, and reliability. Can't rule out an American car, just because it's American. I still want to see 1st year reliabi...
by NHRATA01
Mon Aug 04, 2014 8:47 am
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 12533

Re: Changing Jobs 401k

You would most likely be rolling it over to a traditional IRA, unless you specifically want to do a Roth conversion of the amount in your old 401K. If you choose that, weigh out the tax consequences of doing so to see if it's beneficial. Regarding where to put it, personally I find Fidelity to be on...
by NHRATA01
Thu Jul 31, 2014 9:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing Help [Changing Jobs 401k]
Replies: 14
Views: 611

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

NHRATA01, I got my info from the car brochure I got from the dealer. I will have to research it more if all the Chevy all-wheel-drive Traverses have independent rear suspension. AWD would have to have an IRS for sure. There are basically 2 types of suspensions when the rear wheels are driven - the ...
by NHRATA01
Tue Jul 29, 2014 12:16 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 12533

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

One interesting thing though between the Chevy traverse 2LT and the GMC Acadia SLT2 is that the GMC has independent suspension where as the traverse has an H Link rear suspension. Just to compare, the Durango has an independent suspension. Personally, I think the independent suspension would give m...
by NHRATA01
Mon Jul 28, 2014 9:22 am
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 12533

Re: How much energy does water heater use when I'm not home?

Probably turning down the thermostat is a better idea. BUT in Canada and the UK, water temperature in the tank has to be 55 degrees centigrade-- to prevent formation of Legionnaire's disease. Apparently that is not a requirement in the USA. But is it a good idea? That would be worth finding out. Th...
by NHRATA01
Mon Jul 21, 2014 12:33 pm
 
Forum: Personal Consumer Issues
Topic: How much energy does water heater use when I'm not home?
Replies: 32
Views: 2912

Re: $32k Subaru Outback or $14k Mitsubishi Outlander Sport

Here's a quick update. I realized that the Outlander Sport isn't as safe as I originally thought so I decided against it before ever taking it for a test drive. it sold within a couple days -- I'm surprised the dealer had it marked so low since small CUVs are so popular now. My wife and I test drov...
by NHRATA01
Mon Jul 21, 2014 12:22 pm
 
Forum: Personal Consumer Issues
Topic: $32k Subaru Outback or $14k Mitsubishi Outlander Sport
Replies: 46
Views: 5549

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Additionally, does anyone have experience with fitting/using convertible car seats in the lambda platform vehicles (Acadia, Traverse, Enclave), as well as the Highlander? Eventually we will transition to convertibles, possibly notably large ones such as the Britax Marathon. So just curious how thes...
by NHRATA01
Mon Jul 21, 2014 7:43 am
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 12533

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Regarding the Lambda's, we have a '10 Traverse. Reliability-wise '12 and up are much better. '09 and earlier had issues with timing chain stretch and then failure. The warranty has been extended from 100 to 120K. Rectified in '10. The '09 models had a specific issue with the transmission whereby the...
by NHRATA01
Fri Jul 18, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 12533

Re: Oil Change due: Synthetic vs Regular Oil

Synthetic oil is for sustained high-temperature operation. I was told that synthetic oil also helps during engine start in cold temperatures. Sunny, I don't really know, but I doubt it. I imagine that small variations in oil viscosity have little to do with cold-start ability. Your engine is hard t...
by NHRATA01
Wed Jul 16, 2014 8:20 am
 
Forum: Personal Consumer Issues
Topic: Oil Change due: Synthetic vs Regular Oil
Replies: 33
Views: 3007

Re: Oil Change due: Synthetic vs Regular Oil

I respectfully have to take several issues with your post. This post is absolutely correct. The company I worked for routinely Interfaced with GM engineering. Many customers will not trust the oil system, which is a real shame, because GMs oil change indicator is every bit as brilliant as their engi...
by NHRATA01
Tue Jul 15, 2014 11:19 am
 
Forum: Personal Consumer Issues
Topic: Oil Change due: Synthetic vs Regular Oil
Replies: 33
Views: 3007

Re: Oil Change due: Synthetic vs Regular Oil

Change your oil once a year at least, preferably in the late fall. There is no reason to use synthetic oil in a car that has normal use. Use what the owner's manual says. Synthetic oil is for sustained high-temperature operation. If the oil level increase over time, you have a problem with too many...
by NHRATA01
Tue Jul 15, 2014 10:39 am
 
Forum: Personal Consumer Issues
Topic: Oil Change due: Synthetic vs Regular Oil
Replies: 33
Views: 3007

Re: SAT preparation

Since you can have her take the test multiple times, why don't you have her just shoot from the hip on the first go round? I took my first SAT in '94 as a sophomore. My mom had insisted on enrolling me in a prep course even though I was a pretty good student. I was acing the practice tests in the st...
by NHRATA01
Sat Jul 12, 2014 8:58 am
 
Forum: Personal Consumer Issues
Topic: SAT preparation
Replies: 33
Views: 3268

Re: Repair or replace old Taurus?

I would either take the car for scrap value, or donate it to charity (I believe running is even optional) for the $500 tax deduction. At this point the repairs exceed the vehicle's value. Also a head gasket may or may not be an open and shut case. The head may be warped or the block surface not flat...
by NHRATA01
Fri Jul 11, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Repair or replace old Taurus?
Replies: 32
Views: 3016
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