Search found 286 matches

by NHRATA01
Thu Aug 27, 2015 7:23 am
Forum: Personal Consumer Issues
Topic: Tire rotation
Replies: 56
Views: 4847

Re: Tire rotation

Yes, they should be rotated. It is fairly easy to do yourself. You should invest in a decent floor jack, pair of jack stands, 1/2 inch drive breaker bar with short extension and 6-point socket to fit the lug nuts/bolts and torque wrench. Know where to place the jack and jack stands (I place the fro...
by NHRATA01
Thu Aug 20, 2015 2:53 pm
Forum: Personal Consumer Issues
Topic: help choose home heat fuel/furnace
Replies: 14
Views: 923

Re: help choose home heat fuel/furnace

lpg seems to sort of track oil prices. Last I got was $2.39 /gallon. 99 cents/gallon seems way under market in the US. http://www.eia.gov/dnav/pet/hist/LeafHandler.ashx?n=PET&s=M_EPLLPA_PRS_NUS_DPG&f=M I believe, and I've been told this in other threads here I think, that propane prices bas...
by NHRATA01
Mon Aug 10, 2015 12:22 pm
Forum: Investing - Theory, News & General
Topic: Nick Murray - Bloomberg Radio
Replies: 4
Views: 615

Re: Nick Murray - Bloomberg Radio

His "Simple Wealth, Inevitable Wealth" was the first investment book I read that started me on the path to understanding rational investing, which then lead to finding the bogleheads. I recall finding his advice quite useful but I don't recall enough about his asset allocation (allegedly 1...
by NHRATA01
Mon Aug 03, 2015 2:06 pm
Forum: Personal Consumer Issues
Topic: Crab Grass
Replies: 33
Views: 2785

Re: Crab Grass

Yup, in NY here and I don't think I can top Boglegrappler's advice. Pre-emergents early in the year, usually 1st 2 weeks in April for me, roughly before the dandelions turn white or the forsythia bloom. It will take about 2-3 seasons for you to control, but you'll get there. Then I find, as annoying...
by NHRATA01
Mon Aug 03, 2015 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Careers: MD, Non-MD, MBA, Engineering, Law, Teaching
Replies: 96
Views: 9240

Re: Careers: MD, Non-MD, MBA, Engineering, Law, Teaching

^^^ It depends on the specialty. You can't off-shore electrical power generation and transmission. If you like working for an electrical power utility company, you're set for a quite a while. I will second this. I work in a facilities engineering role, and manage a utility plant at a large industri...
by NHRATA01
Fri Jul 31, 2015 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Careers: MD, Non-MD, MBA, Engineering, Law, Teaching
Replies: 96
Views: 9240

Re: Careers: MD, Non-MD, MBA, Engineering, Law, Teaching

Certainly without knowing your personality, preferences and what you enjoy, it's tough to offer advice. That said in my opinion as an engineer, the field best fills a lot of your criteria on the list. Student loan debt - Only 4 years vs 6-8 For MD, Law or MBA, plus tend to be less expensive then lib...
by NHRATA01
Fri Jul 31, 2015 9:19 am
Forum: Personal Consumer Issues
Topic: Fuel injector cleaning
Replies: 23
Views: 1325

Re: Fuel injector cleaning

Late to the party here... this is stuff I know sumthin' :P ( hint hint my "screen name ID...LOL ) 6) Post about automotive maintenance (Including this topic in other places) are often erroneous, with what would appear to be know-it-all personalities. Gotta love the internet... RTFM do what the...
by NHRATA01
Thu Jul 30, 2015 7:26 am
Forum: Investing - Help with Personal Investments
Topic: Best way to backdoor Roth at Vanguard for <3K
Replies: 2
Views: 171

Best way to backdoor Roth at Vanguard for <3K

I stumbled upon a problem. The past couple years I've been using the backdoor Roth at Vanguard, I did the maximum in one shot each time, moving it into a nonductible tIRA money market and then converting into my existing funds in the Roth so there were no tax implications. Well, for various reasons ...
by NHRATA01
Tue Jul 28, 2015 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Penny Stocks
Replies: 23
Views: 1740

Re: Penny Stocks

I dabbled in pot penny stocks a year and a half ago when they were hot.

A lesson was learned, unfortunately just slightly less quickly, then a few thousand were lost.
by NHRATA01
Mon Jul 27, 2015 12:16 pm
Forum: Personal Consumer Issues
Topic: Low mileage oil change
Replies: 37
Views: 4095

Re: Low mileage oil change

Even if one is not concerned about the inconvenience and financial cost of potentially unnecessary oil changes there is an environmental cost that many may find disturbing. There shouldn't be, if you are taking your used oil to a collection that sends it out to be recycled. If you're dumping it in ...
by NHRATA01
Tue Jul 21, 2015 1:47 pm
Forum: Personal Consumer Issues
Topic: 2007 Toyota Camry Issue
Replies: 20
Views: 1626

Re: 2007 Toyota Camry Issue

If going in to do a water pump, should the timing belt be done as well? I believe these two things are commonly done together as you have to remove the same stuff to get affected parts. The timing belt is much more involved then the w/p. Generally if the belt is due it's advised to do the pump as w...
by NHRATA01
Tue Jul 21, 2015 1:46 pm
Forum: Personal Consumer Issues
Topic: 2007 Toyota Camry Issue
Replies: 20
Views: 1626

Re: 2007 Toyota Camry Issue

I just talked to my husband, who has owned an auto repair shop for over 20 years, and got his opinion. He says: 1. Try physically bouncing the car at both the front and rear ends. If the car continues to bounce more than once after you stop, the struts need to be replaced. Otherwise, they can wait....
by NHRATA01
Thu Jul 09, 2015 12:33 pm
Forum: Personal Consumer Issues
Topic: No dipstick on a new Audi engine!?!!
Replies: 73
Views: 7424

Re: No dipstick on a new Audi engine!?!!

You can not even change a battery on a new BMW anymore without visiting the dealer. Completely untrue. You can indeed change the battery but you have to know how to register it with the computer. It requires a $20 cable to connect your iphone/droid to the car and an app that you can download for a ...
by NHRATA01
Thu Jul 09, 2015 7:34 am
Forum: Personal Consumer Issues
Topic: No dipstick on a new Audi engine!?!!
Replies: 73
Views: 7424

Re: No dipstick on a new Audi engine!?!!

Dipsitcks have become a luxury that luxury cars no longer posses. If you can afford a new BMW or Audi, someone else will do the work on it. Why would the owner get their hands dirty? I don't do engines, but I have worked on hydraulic systems. A major sources of contamination was oiks "cleaning...
by NHRATA01
Thu Jul 09, 2015 7:19 am
Forum: Investing - Help with Personal Investments
Topic: Silly question...better to invest now in intl stocks?
Replies: 24
Views: 3171

Re: Silly question...better to invest now in intl stocks?

Consider that the two China indices undergoing this "correction" (the Shanghai and the Shenzen) are not excessively large components of the typical total international index. China on the whole is only 5.2% of VGTSX - I'm not sure if that 5.2% also includes HK's Hang Seng, which would furt...
by NHRATA01
Wed Jul 08, 2015 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: 457b dividends explained please.
Replies: 4
Views: 406

Re: 457b dividends explained please.

Yes, I really don't think you've been shortchanged of your dividends, though unfortunately it is sad that the help line was of little help. It sounds like it's something along the lines of a unitized fund, or basically a fund of funds. My Fortune 20 corp's 401K through Fidelity has it's basic index ...
by NHRATA01
Fri Jun 26, 2015 1:03 pm
Forum: Personal Consumer Issues
Topic: Questions about brick paver driveway
Replies: 12
Views: 1902

Re: Questions about brick paver driveway

I am in NY and would never consider pavers for a driveway. My in-laws did about 5 or 6 years ago, and here's what I've noticed (a few reasons mentioned so far) - First and foremost they have heaved in a few places due to the weather changes, and surely the water getting underneath and freezing in th...
by NHRATA01
Thu Jun 25, 2015 3:00 pm
Forum: Personal Consumer Issues
Topic: Natural Gas Heated Home w/o Flue?
Replies: 17
Views: 1956

Re: Natural Gas Heated Home w/o Flue?

Just one small add - you could have a standard efficiency boiler with a power venter somewhere around the foundation. Basically an electrically powered exhaust fan that is cheaper for the builder than putting in a chimney and flue. The negative is maintenance is higher and they do need to be replace...
by NHRATA01
Mon Apr 27, 2015 3:05 pm
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 39
Views: 4467

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

I put Fumoto valve on all of my cars. Never had one leak and one car has had it on for 23 years. Makes changing the oil so much easier. :) Same here. This should be standard equipment on cars. If it's every overfilled, just let a little oil out - done. (Change oil myself, Jiffy Lube or dealer would...
by NHRATA01
Thu Apr 23, 2015 12:11 pm
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 43
Views: 3585

Re: Broken Oxygen Sensor on Car

Would you take advice about investing from bunch of oil nerds on the internet? Why would you ask car repair questions here? But to iterate earlier advice; there is nothing which will cause the oxygen sensor to be physically broken. In all likelihood you have been lied to. If it is under warranty, y...
by NHRATA01
Mon Apr 20, 2015 12:46 pm
Forum: Personal Consumer Issues
Topic: Overinflating Tires
Replies: 31
Views: 3138

Re: Overinflating Tires

What is "spec"? The door jamb spec is for the tires that first came with the car and yields a smushy ride. Most tires shops tend to go with 30-35 regardless of the vehicle or the tire. I would call this "underinflated" by 10psi. The spec I use is the max sidewall pressure of the...
by NHRATA01
Mon Apr 20, 2015 12:42 pm
Forum: Personal Consumer Issues
Topic: Overinflating Tires
Replies: 31
Views: 3138

Re: Overinflating Tires

You don't want to be at the max cold. Oh yes I do. Pressure readings should be taken when the tire is cold. If they happen to go over the rated pressure when hot, so be it - that's what they are designed to do. Reference: http://www.tirerack.com/tires/tiretech/techpage.jsp?techid=196 You should not...
by NHRATA01
Fri Mar 27, 2015 2:50 pm
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 92
Views: 12542

Re: Best albums of 2015

Well, too early to tell but since it's looking like potentially new albums from Metallica, Megadeth, Slayer, Anthrax and Testament, it's going to be a great year for the legions of thrash metal fans here on the boglehead forums!
by NHRATA01
Fri Mar 27, 2015 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: 457 or 403(b)
Replies: 6
Views: 639

Re: 457 or 403(b)

I would see what options the state 457 offers. I enrolled my wife in the NYS which has several Vanguard index funds to meet my asset allocation requirements, so I was very happy with those offerings. Her 403b on the other hand was atrocious with nothing but life insurance companies. I see yours at l...
by NHRATA01
Wed Mar 25, 2015 9:50 am
Forum: Investing - Help with Personal Investments
Topic: 457(b) Question
Replies: 8
Views: 715

Re: 457(b) Question

^ It does look to me based upon those 3 funds, that you can do the simple 3 fund portfolio with minimal expenses.
by NHRATA01
Tue Mar 17, 2015 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Barron's article...Closed End Funds Advantage....
Replies: 13
Views: 1665

Re: Barron's article...Closed End Funds Advantage....

Another good reason to invest is that you can often buy these funds at a discount to Net Asset Value. Of course a closed-end fund can trade at a discount for years and years. Not only can a closed end fund trade at a discount to NAV for years and years, but the discount can get bigger after you buy...
by NHRATA01
Fri Mar 06, 2015 3:11 pm
Forum: Personal Consumer Issues
Topic: Sedan or SUV
Replies: 22
Views: 1943

Re: Sedan or SUV

A car is a personal choice. I would hate to impose upon my spouse to make her buy a car chosen by an internet forum. Yes, it's very hard to offer a suggestion not knowing your personal preference. Personally, if I do not need the room nor "utility", I will take a sedan over an SUV. SUV/CU...
by NHRATA01
Wed Mar 04, 2015 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Tax Concern - Exceeded 2014 limits?
Replies: 1
Views: 274

Backdoor Roth Tax Concern - Exceeded 2014 limits?

I think I may have a problem but am not sure so I call upon the bogleheads expertise and experience. I sent an email to Vanguard so we'll see what they say but perhaps the forum can clear my confusion. This is in regards to using a backdoor Roth contribution. Jist of the email follows below. In prin...
by NHRATA01
Mon Mar 02, 2015 10:43 am
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 9149

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
Fri Feb 27, 2015 2:53 pm
Forum: Personal Consumer Issues
Topic: Are remote starters bad for cars?
Replies: 42
Views: 3840

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 9:36 am
Forum: Personal Consumer Issues
Topic: Are remote starters bad for cars?
Replies: 42
Views: 3840

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
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: 1733

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
Sun Feb 15, 2015 9:22 am
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 39
Views: 4467

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
Sat Feb 14, 2015 12:36 pm
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 39
Views: 4467

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
Fri Feb 13, 2015 9:08 am
Forum: Personal Consumer Issues
Topic: Which light bulbs are best bang for the buck?
Replies: 41
Views: 4211

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
Thu Feb 12, 2015 4:12 pm
Forum: Personal Consumer Issues
Topic: Which light bulbs are best bang for the buck?
Replies: 41
Views: 4211

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
Tue Feb 03, 2015 11:27 am
Forum: Investing - Help with Personal Investments
Topic: question about investing in oil, USO
Replies: 15
Views: 1426

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
Sat Jan 17, 2015 7:59 pm
Forum: Personal Consumer Issues
Topic: Survey - Men Who Exercise At a Gym
Replies: 23
Views: 2858

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
Tue Jan 13, 2015 11:49 am
Forum: Personal Consumer Issues
Topic: boglehead workout
Replies: 39
Views: 5194

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
Sun Jan 11, 2015 5:04 pm
Forum: Personal Consumer Issues
Topic: boglehead workout
Replies: 39
Views: 5194

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
Mon Dec 29, 2014 8:55 am
Forum: Personal Consumer Issues
Topic: Snow blower maintenance and repair
Replies: 26
Views: 2703

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
Fri Dec 19, 2014 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Buying Vanguard Energy Index
Replies: 22
Views: 3336

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
Mon Dec 15, 2014 11:59 am
Forum: Personal Consumer Issues
Topic: Dealer Regular Sched. Maintenance Question
Replies: 15
Views: 1041

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
Thu Dec 04, 2014 3:57 pm
Forum: Personal Consumer Issues
Topic: 2012 Honda Pilot Tranny Fluid Change?
Replies: 23
Views: 3893

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 Nov 20, 2014 9:21 am
Forum: Personal Consumer Issues
Topic: Buying a lasting vehicle
Replies: 33
Views: 5749

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 9:12 am
Forum: Personal Consumer Issues
Topic: Light Bulb Question
Replies: 66
Views: 7866

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
Wed Nov 19, 2014 12:42 pm
Forum: Personal Consumer Issues
Topic: Buick regal/chevy impala
Replies: 12
Views: 1605

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 12:37 pm
Forum: Personal Consumer Issues
Topic: Buick regal/chevy impala
Replies: 12
Views: 1605

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
Tue Nov 18, 2014 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Basic investment question
Replies: 17
Views: 2376

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 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Basic investment question
Replies: 17
Views: 2376

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 ...

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