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Re: cvt transmissions

Hospital Volunteer Subaru Outback with CVT -
178,000 miles no repairs just one fluid change to date.
by TT
Thu Jan 29, 2015 5:53 am
 
Forum: Personal Consumer Issues
Topic: cvt transmissions
Replies: 45
Views: 2751

Re: 400ft Driveway - How do I plow the snow?

I have lived in Northern NE with a 450' driveway for 30+ years. My driveway is relatively flat with only a minimum grade. I have used a Compact 4WD Diesel Tractor that weighs about 3,300 lbs with a 6 foot plow blade and a two stage 50 " snow blower that works off the 3 point hitch. In my exper...
by TT
Sun Jan 25, 2015 2:45 pm
 
Forum: Personal Consumer Issues
Topic: 400ft Driveway - How do I plow the snow?
Replies: 67
Views: 5399

Re: 400ft Driveway - How do I plow the snow?

I have lived in Northern NE with a 450' driveway for 30+ years. My driveway is relatively flat with only a minimum grade. I have used a Compact 4WD Diesel Tractor that weighs about 3,300 lbs with a 6 foot plow blade and a two stage 50 " snow blower that works off the 3 point hitch. In my exper...
by TT
Sun Jan 25, 2015 2:37 pm
 
Forum: Personal Consumer Issues
Topic: 400ft Driveway - How do I plow the snow?
Replies: 67
Views: 5399

Re: 400ft Driveway - How do I plow the snow?

I have lived in Northern NE with a 450' driveway for 30+ years. My driveway is relatively flat with only a minimum grade. I have used a Compact 4WD Diesel Tractor that weighs about 3,300 lbs with a 6 foot plow blade and a two stage 50 " snow blower that works off the 3 point hitch. In my experi...
by TT
Sun Jan 25, 2015 1:44 pm
 
Forum: Personal Consumer Issues
Topic: 400ft Driveway - How do I plow the snow?
Replies: 67
Views: 5399

Re: Hardwood flooring - lumber liquidators

I thought I'd revive this 5-year old thread. Does anyone have recent experience with Lumber Liquidators, specifically the Bellawood product? I am looking to re-do the flooring in my bedrooms with this. It's a little less expensive than HD or Lowes, but more importantly for me, they have one specifi...
by TT
Sun Jan 25, 2015 10:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Hardwood flooring - lumber liquidators
Replies: 17
Views: 5384

Re: Where do you think the stock market heading this year?

After a exhaustive comprehensive analysis tracking key metrics with various analytic tools I have conclusively determined-

I have no idea :oops:
by TT
Sun Jan 25, 2015 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Where do you think the stock market heading this year?
Replies: 20
Views: 1583

Re: Hedge fund loses 99.8% of all funds, $100m down to $200k

It would be interesting to read his resume and how he will quantify his skills and achievements or perhaps it is time for a career change - knife throwers assistant ?
by TT
Thu Jan 22, 2015 7:54 am
 
Forum: Investing - Theory, News & General
Topic: Hedge fund loses 99.8% of all funds, $100m down to $200k.
Replies: 59
Views: 6873

Re: What is a good rule of thumb on savings vs salary?

I wanted to ask this question based on the doctors should I pack it in thread. He's now making $5xx,xxx and has $2.7mm with two homes and no debt. A few replies seemed to feel that this wasn't too much based on his income. He then further explained his situation. I thought it was pretty good based ...
by TT
Sun Jan 18, 2015 9:10 am
 
Forum: Investing - Help with Personal Investments
Topic: What is a good rule of thumb on savings vs salary?
Replies: 20
Views: 3425

Re: Honda Civic vs Fit Safety Question

https://www.youtube.com/watch?v=XPFdQqOLkuA Good and interesting test, but what we have here is a 2008 Accord (not Civic) vs. a 2008 Fit (not redesigned 2015). So the relevance is not strong. The 2015 Honda Fit redesign resulted in small overlap crash test result to go from poor to acceptable. I wo...
by TT
Sun Jan 18, 2015 7:43 am
 
Forum: Personal Consumer Issues
Topic: Honda Civic vs Fit Safety Question
Replies: 55
Views: 3404

Re: Wellington Fund as primary retirement investment

I've been considering Wellington as the fund into which to move my wife's tIRA, to reduce volatility (she's been in Fidelity Contrafund for almost 20 years) and increase diversification across asset classes (we're currently very light on bonds in our collective portfolio). She'll be faced with RMDs...
by TT
Sat Jan 17, 2015 7:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund as primary retirement investment
Replies: 29
Views: 4856

Re: Pottery Barn sofa - what fabric?

This may be helpful: Linen: Linen is best suited for formal living rooms or adult areas because it soils and wrinkles easily. And, it won't withstand heavy wear. However, linen does resist pilling and fading. Soiled linen upholstery must be professionally cleaned to avoid shrinkage. Leather: This to...
by TT
Fri Jan 16, 2015 7:38 am
 
Forum: Personal Consumer Issues
Topic: Pottery Barn sofa - what fabric?
Replies: 7
Views: 1261

Re: Sellers Won't Fix Leaking Roof; Fear of Additional Damag

Walk away from this house and do not look back. If there is black mold that has penetrated the roof plywood and perhaps the rafters 15K will not come close to repair the damage. A work acquaintance spent 50K+ to repair all the damage from black mold in roof of his house. Also, if the current owner n...
by TT
Wed Jan 14, 2015 8:55 am
 
Forum: Personal Consumer Issues
Topic: Sellers Won't Fix Leaking Roof; Fear of Additional Damage
Replies: 58
Views: 5729

Re: PenFed CD rates up. 2% max.

by TT
Thu Jan 01, 2015 7:35 am
 
Forum: Personal Finance (Not Investing)
Topic: PenFed CD rates up. 2% max.
Replies: 29
Views: 4587

Re: What do you drive, and why?

2004 Subaru Outback with 176,000 miles
Bought it used 2 years ago for $3,500 with 157,00 miles -excellent condition
Spent about $750 for brakes and 2 new front drive axles when I got it.
Insurance is less than $400 per year
It gets me where I want to go regardless of the weather-
by TT
Thu Jan 01, 2015 7:28 am
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 205
Views: 17795

Re: 1st of the New Year

livesoft wrote:Do what you did last year. Do you remember the first trading day of 2014 when stocks dropped more than 3%?


That's exactly what I want to avoid
by TT
Fri Dec 26, 2014 8:39 am
 
Forum: Investing - Help with Personal Investments
Topic: New Year
Replies: 3
Views: 375

New Year

Any thoughts on what you do in the New Year regardless of what the market is doing? These quotes from W Buffet are my thoughts for the New Year: Think long-term Forever is a good holding period The more you trade, the more you under perform There are no bonus points for complicated investments. and ...
by TT
Fri Dec 26, 2014 8:03 am
 
Forum: Investing - Help with Personal Investments
Topic: New Year
Replies: 3
Views: 375

Re: Why did gas mileage recently drop on my older CRV?

TradingPlaces wrote:Not an expert, but possible reasons are:

- faulty oxygen sensor,
- different operating conditions, e.g., was it way colder than usual?


+1 on the faulty O2 sensor
by TT
Fri Dec 26, 2014 7:50 am
 
Forum: Personal Consumer Issues
Topic: Why did gas mileage recently drop on my older CRV?
Replies: 50
Views: 3414

Re: How to choose Fabric Sofas?

My recommendation would be fabric with the highest content of nylon and or olefin - durable and not too expensive I would avoid fabric with a high content of polyester and acrylic This guide may help to compare fabrics: Linen : Linen is best suited for formal living rooms or adult areas because it s...
by TT
Fri Dec 26, 2014 7:46 am
 
Forum: Personal Consumer Issues
Topic: How to choose Fabric Sofas?
Replies: 23
Views: 1939

Re: Ally 5-year CD from 1.6% to 2%?

You may want to check rates with your local credit unions.
Where I live CU offer better rates than large web banks by .25 % for 5 year CD's.
by TT
Fri Dec 19, 2014 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Ally 5-year CD from 1.6% to 2%?
Replies: 8
Views: 2336

Re: Social Security 62 vs 66

Hypothetical scenario - What am I missing ? I was thinking about how just about everyone states that collecting social security is advantageous if you wait and collect a larger monthly amount but I have a thought... Assumption: If you wait till age 66 you obviously do not need the income so this as...
by TT
Tue Nov 25, 2014 5:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Social Security 62 vs 66
Replies: 58
Views: 6187

Re: Social Security 62 vs 66

[quote="mhc"]Did you account for Jill getting $6800/yr more than Jack from ages 67-77?

The 6,800 more Jill receives for those years is in the calculations
by TT
Fri Nov 21, 2014 11:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Social Security 62 vs 66
Replies: 58
Views: 6187

Social Security 62 vs 66

Hypothetical scenario - What am I missing ? I was thinking about how just about everyone states that collecting social security is advantageous if you wait and collect a larger monthly amount but I have a thought... Assumption: If you wait till age 66 you obviously do not need the income so this ass...
by TT
Fri Nov 21, 2014 10:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Social Security 62 vs 66
Replies: 58
Views: 6187

Re: Ashley Furniture

Has anyone here bought furniture from Ashley Furniture Store? We went there recently and liked the stuff, even though it seemed a bit more expensive that other stores. I don't mind spending the extra money if product is of good quality. Any reviews you guys can give? Thanks. http://www.consumeraffa...
by TT
Mon Nov 03, 2014 7:28 pm
 
Forum: Personal Consumer Issues
Topic: Ashley Furniture
Replies: 42
Views: 3867

Re: Vinyl Siding over wood

Vinyl siding is not as durable nor as resistant to water penetration as most people think and the paper wrap vapor barriers deteriorate significantly faster than the manufacturers advertise. If you currently have vinyl siding that is over 20 years old I can assure you the wrap vapor barrier behind i...
by TT
Fri Oct 31, 2014 7:51 pm
 
Forum: Personal Consumer Issues
Topic: Vinyl Siding over wood
Replies: 18
Views: 2183

Re: Will canceling my Discover card lower my FICO score?

I cancelled a 13 year old credit card as the terms of the rewards were changed and were not competitive with other offers currently available. My credit score went down 4 points and a couple of months after owning the new card it went up 8 points.
by TT
Thu Oct 23, 2014 11:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Will canceling my Discover card lower my FICO score?
Replies: 9
Views: 1036

Re: Clothes Dryer drying very slowly

I had a similar problem with dry time. First are the towels coming out of the washer rung well from a high spin cycle? Sometimes a large load of towels gets off balance in the washer and they are not spun dry well resulting in extended dry times. After you follow the other recommendations i.e. vent ...
by TT
Sun Oct 12, 2014 3:12 pm
 
Forum: Personal Consumer Issues
Topic: Clothes Dryer drying very slowly
Replies: 24
Views: 2047

Re: Are Savings Bonds Considered Cash?

15 year old EE are currently earning less than 1.5%
You may want to check here:
http://www.treasurydirect.gov/BC/SBCPrice
by TT
Sun Oct 12, 2014 7:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Are Savings Bonds Considered Cash?
Replies: 16
Views: 1062

Re: Are Savings Bonds Considered Cash?

Are you saying they are 30 years old? You may want to check the dates and see if they are still earning interest: SERIES ISSUE DATE NUMBER OF YEARS BONDS EARN INTEREST E May 1941- November 1965 40 years E December 1965 - June 1980 30 years EE All issues 30 years H June 1952- January 1957 29 years, 8...
by TT
Sun Oct 12, 2014 7:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Are Savings Bonds Considered Cash?
Replies: 16
Views: 1062

Re: Penfed CDs up rates

This site has accurate and up to date rate offerings:

https://www.depositaccounts.com/cd/5-year-cd-rates.html
by TT
Sun Oct 05, 2014 6:29 am
 
Forum: Investing - Theory, News & General
Topic: Penfed CDs up rates
Replies: 11
Views: 3160

Bonds Beware

Any thoughts on this article ?

http://www.usatoday.com/story/money/mar ... /16613571/

Thanks
by TT
Sun Oct 05, 2014 6:16 am
 
Forum: Investing - Theory, News & General
Topic: Bonds Beware
Replies: 34
Views: 5347

Re: Subaru Blues

Interesting thread for me. I currently have a 2005 Volvo XC-70 (AWD) wagon. Bought it when I lived in Vermont because I wanted the AWD for the snow and good rooftop carrying capacity for our kayaks. It's been a decent car but Volvos have gotten a bit too pricey for me. Only have 125K miles on it so...
by TT
Sat Aug 30, 2014 6:45 am
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 8644

Re: Subaru Blues

Here is my experience with Subaru- 2000 Subaru Outback 196,000 miles 4 cylinder - head gaskets replaced under warranty @ 90,000 otherwise normal maintenance 2004 Subaru Outback 172,000 miles 6 cylinder - normal maintenance currently my daily driver 2010 Subaru Outback 84,000 miles 4 cylinder - norma...
by TT
Fri Aug 22, 2014 7:11 am
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 8644

Re: Carrara Marble - Large Orange Stain

I would guess considering the location it is a rust stain and given that marble is soft and porous it probably is permanently embedded in the stone.
by TT
Sun Aug 17, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Carrara Marble - Large Orange Stain
Replies: 13
Views: 1413

Re: Drought Management

this paleoclimatologist report was aired on NPR:

http://newscenter.berkeley.edu/2014/01/ ... ater-woes/
by TT
Sun Aug 03, 2014 6:47 am
 
Forum: Personal Consumer Issues
Topic: Drought Management
Replies: 60
Views: 3299

Re: Septic System Replacement

In our area you do not have to pump the tank regularly. In fact if used correctly and cleanly a septic system might never need pumping in its lifespan or not more than once in ten plus years. By cleanly I mean no bleach, minimal chemical household cleaners, no trash, and no grease or oil down the d...
by TT
Sun May 25, 2014 5:45 am
 
Forum: Personal Consumer Issues
Topic: Septic System Replacement
Replies: 24
Views: 1588

Re: What's your number?

I don't mean to sound....but "what is your number" for someone else seems a useless number for sharing. If you live in SF and I live in Fl basic costs to survive are not comparable. That doesn't even consider one's standard of living, expectations, etc, etc, etc. Anyway good luck with you...
by TT
Wed Apr 23, 2014 6:40 am
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 147
Views: 31984

Re: Any Vermont Bogleheads? (Taxes)

I'm Lifelong Vermonter and will attempt to answer your questions. 1. Yes, VT income taxes are calculated based on your federal taxable income line 43 on 1040. There are add backs of any bonus depreciation, or State taxes deducted above $5,000 on Sch A, and some capital gains. http://www.state.vt.us...
by TT
Fri Apr 04, 2014 7:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Any Vermont Bogleheads? (Taxes)
Replies: 9
Views: 796

Re: Potential Move - NYC to Charleston SC

My wife and I are looking to move to a lower cost of living area with better weather. We currently make $250k - $350k per year in NYC. This doesn't go very far and we live in a 1200 SqFt apartment for $4k per month. We are looking to move south for a better quality of life. Our income would only go...
by TT
Fri Apr 04, 2014 6:50 am
 
Forum: Personal Consumer Issues
Topic: Potential Move - NYC to Charleston SC
Replies: 16
Views: 1737

Re: Best ways to show daily news to 9 year old

I see the "Nightly News with Brian Williams" everyday at 7pm on NBC and I want my daughter to join me so that she can also get an update on what's happening around the world. But the advertisements in the middle of the news(like "Cialis") are age inappropriate and I wish this ki...
by TT
Fri Apr 04, 2014 6:33 am
 
Forum: Personal Consumer Issues
Topic: Best ways to show daily news to 9 year old
Replies: 28
Views: 2312

Re: [High-frequency trading hurts regular customers]

I am of the opinion that the SEC is responsible for the proliferation of high frequency trading. Back in 2000 & 2001 they allowed trading to transition from fractions of eights, sixteens, thirty-seconds of a dollar to decimals of (.01). Then in 2012 the SEC allowed trading to a tenth of a penny ...
by TT
Wed Apr 02, 2014 8:11 am
 
Forum: Investing - Theory, News & General
Topic: [High-frequency trading hurts regular customers]
Replies: 107
Views: 7436

Re: Cedar Plank Siding

rustymutt wrote:Bugs love Cedar.

Woodpeckers also
by TT
Thu Mar 20, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Cedar Plank Siding
Replies: 14
Views: 1173

Re: Cedar Plank Siding

Make sure you use only stainless steel nails and don't let anyone convince you to use galvanized nails
by TT
Thu Mar 20, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Cedar Plank Siding
Replies: 14
Views: 1173

Re: Good time for a 2014 model ?

Hi I am planning on buying a car. Because it is the beginning of the year, I was wondering if it is a good time to purchase a 2014 model car. I was told it is hard to bargain around this time of the year. Also, how much will I be able to bargain relative to the invoice price? Thanks Winter months, ...
by TT
Thu Jan 30, 2014 5:48 am
 
Forum: Personal Consumer Issues
Topic: Good time for a 2014 model ?
Replies: 7
Views: 1423

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

vivo per cent'anni :sharebeer
by TT
Thu Jan 23, 2014 6:07 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 23431

Re: How much did your credit card rewards cost you in 2013?

Zero cost - A disciplined approach to investing should be complemented by a disciplined approach to spending :moneybag
by TT
Sun Jan 05, 2014 8:04 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did your credit card rewards cost you in 2013?
Replies: 104
Views: 6797

Re: Possible new car in the cards

I own a 2000 Toyota Camry with 94k miles and recently found a significant oil leak behind the timing belt. Bought it in June 2013 for about 5k from a private dealer after my ’94 Volvo with 235k miles broke down. I’m considering buying new and then selling the old Camry. I’m not physically capable o...
by TT
Sun Jan 05, 2014 7:57 am
 
Forum: Personal Consumer Issues
Topic: Possible new car in the cards
Replies: 13
Views: 967

Re: 10 Reasons to take your pension annuity over a lump sum

Calculating options of an annuity vs lump sum pension without cola resulted in I could elect the lump sum and generate 5.57% return which would enable me to have the same monthly income and the total principal amount. Considering I did not need the monthly draw to live I elected to take the lump su...
by TT
Sat Jan 04, 2014 8:10 am
 
Forum: Investing - Help with Personal Investments
Topic: 10 Reasons to take your pension annuity over a lump sum
Replies: 34
Views: 6603
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