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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: 4252

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: 4629

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: 893

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: 893

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: 1402

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: 1402

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: 1682

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: 2806

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: 2806

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: 437

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: 4473

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: 11365

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: 4473

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: 850

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: 1741

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: 4655

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: 4655

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: 574

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: 44
Views: 2566

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: 11316

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: 11316

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: 11316

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: 596

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: 11316

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: 11316

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: 2880

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: 5368

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: 11316

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: 11316

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: 2936

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: 2936

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: 2936

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: 3019

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: 3001

Re: What octane gas do you use to fill your car?

Why the aversion to ethanol? Do a test. Run a few tanks of gas with ethanol and a few without and track mpg. I always...always...average 10% higher with non ethanol gas. I look at ethanol as "filler" that dilutes gas. Also, ethanol kills small engines. Heard a small engine repair guy said...
by NHRATA01
Tue Jul 08, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 77
Views: 6256

Re: advice regarding hard to find HVAC freon leak

http://images.pennwellnet.com/ogj/images/ogj/93223601.gif Sorry for the digression but I figured all the enginerds out there would enjoy. So about a 6% difference. That makes sense that it would be noticeable if comparing two systems both in good condition, but might be overshadowed in practice by ...
by NHRATA01
Tue Jun 10, 2014 12:03 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 3433

Re: advice regarding hard to find HVAC freon leak

Not necessarily true. R22 is actually a superior refrigerant from an efficiency standpoint vs R-123 or R-134A (much as the older R-12 was even better). I'm just curious what the efficiency difference tends to be between R12, R22, and R134a. I'd hear the statement made that the original compound was...
by NHRATA01
Tue Jun 10, 2014 8:27 am
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 3433

Re: bidet for a boglehead

user5027 wrote:Bidet for a boglehead?

Dampen the toilet paper under the sink faucet. A boglehead bathroom is small so the sink is beside the toilet. :D


LOL! Well done, I got a good laugh out of that one. :D
by NHRATA01
Mon Jun 02, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: bidet for a boglehead
Replies: 19
Views: 2222

Re: advice regarding hard to find HVAC freon leak

A system old enough to use R-22 is probably very inefficient. You'll probably be able to pay for the system with the savings on electricity. I'd skip the test and get a new system. Not necessarily true. R22 is actually a superior refrigerant from an efficiency standpoint vs R-123 or R-134A (much as...
by NHRATA01
Wed May 21, 2014 8:07 am
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 3433

Re: Should I buy a fun car?

Perhaps an E46 M3 convertible would fit well? ie - older, better value, but still an awesome machine (one of the better looking M3s IMO) S54 is an expensive to maintain engine. Rock solid though, would last 100s of 1000s of miles. More than, say a Chevy SBC V8, probably. But looking at his other ch...
by NHRATA01
Thu May 08, 2014 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy a fun car?
Replies: 59
Views: 3218

Re: BRK: What am I missing?

Well aside from the fact this forum generally shuns individual stock picking, personally I would be worried about a corporation who's most two influential leaders are 90 and 83. As unfair and cold it may be, at some point they will pass, and the market will react, probably more harshly than it did w...
by NHRATA01
Mon May 05, 2014 11:30 am
 
Forum: Investing - Help with Personal Investments
Topic: BRK: What am I missing?
Replies: 40
Views: 3669

Re: Riding Lawn Mower

I'm a believer in you get what you pay for on this one. I know a number of people, including myself, that had cheap Craftsman tractors and got 5-10 yrs out of them. For <$1K, it isn't that bad a deal when you consider paying for a JD (and I'm not talking about the HD/Lowes versions) will cost you q...
by NHRATA01
Mon Apr 28, 2014 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Riding Lawn Mower
Replies: 29
Views: 8865

Re: Projects/Kits for 12 yr old son

How about radio controlled electric (or even gas) cars/trucks? I built one in 7th grade (electric), learned a lot about electronics as well as mechanical things like suspensions and transmissions. Then had a lot of fun playing with it outside in the dirt. Certainly fostered the hot-rodding hobby I d...
by NHRATA01
Fri Apr 25, 2014 12:30 pm
 
Forum: Personal Consumer Issues
Topic: Projects/Kits for 12 yr old son
Replies: 15
Views: 2776

Re: Buying no load Vanguard mf's...is there always a fee

I'll add that at Ameritrade (and probably most other mainstream brokerages), there is no transaction fee if you set up a monthly recurring investment. Prior to becoming a boglehead a couple years ago, I had set up a recurring investment in the Vanguard 500 index after opening an Ameritrade account. ...
by NHRATA01
Fri Apr 25, 2014 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying no load Vanguard mf's...is there always a fee
Replies: 22
Views: 2224

Re: NYC Comic Con

I took my much-older kids there last fall (ages 12 and 15.) There is no way we would ever go back, and under no circumstances would I take a two-year-old. Comic-Con NYC is a gigantic convention floor filled with tables and booths of people selling their overpriced comic-related stuff. There is very...
by NHRATA01
Mon Apr 14, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: NYC Comic Con
Replies: 12
Views: 893

Re: How often do you rebalance to maintain your AA

Being the nerdy engineer, I have a running spreadsheet of my Roth IRA+401K for each year that I add to month-by-month which tracks values, expenses and returns, as well as calculated my current asset mix amongst stocks, bonds, international and REIT (what I consider my 4 major asset classes that I h...
by NHRATA01
Wed Apr 09, 2014 8:23 am
 
Forum: Investing - Help with Personal Investments
Topic: How often do you rebalance to maintain your AA
Replies: 35
Views: 2005

Re: LED bulb prices

IMO the question is more about LED vs CFL, To my thinking, I would take LED hands down over CFL. Perhaps I am biased against CFL.....I know people say the new ones are much better than the earlier ones....but wherever I see CFL and am aware of it, I find the light very harsh. Plus a number of CFL's...
by NHRATA01
Tue Apr 08, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 118
Views: 15710

Re: Auto repair - "Threads getting thin in oil pan drain plu

I am definitely not doing at dealer. Is 3 hr labor reasonable? Thanks I'm just a shadetree mechanic, but you could replace the entire oil pan in only 30 minutes. I would suspect that it greatly depends on which car. I know I was surprised at how much of a PITA it was to replace my starter. On my ca...
by NHRATA01
Sat Mar 29, 2014 11:19 am
 
Forum: Personal Consumer Issues
Topic: Auto repair - "Threads getting thin in oil pan drain plug"
Replies: 40
Views: 2748

Re: Auto repair - "Threads getting thin in oil pan drain plu

On a '99 Camry, I would drill out old threads in the oil pan and re-tap with a slightly larger drain plug. Be sure to run a magnet to gather all shavings. Entire process would probably take ~40 minutes to do yourself and for very minimal cost. No need to replace the whole pan due to threads strippi...
by NHRATA01
Sat Mar 29, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: Auto repair - "Threads getting thin in oil pan drain plug"
Replies: 40
Views: 2748
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