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Re: Help me evaluate a standby generator quote

Posted on a similar thread, but relevant and hopefully helpful here: Install Generac model 6551 22KW standby generator with Automatic transfer switch. This includes the following 1. Permit Cost 2. Plumbing Run 1'/4" Gas piping from Gas Meter to unit 3. Install Concrete Pad for Generator to sit ...
by airahcaz
Mon Sep 01, 2014 9:34 pm
 
Forum: Personal Consumer Issues
Topic: Help me evaluate a standby generator quote
Replies: 29
Views: 1590

Re: Which generator do you have?

Install Generac model 6551 22KW standby generator with Automatic transfer switch. This includes the following 1. Permit Cost 2. Plumbing Run 1'/4" Gas piping from Gas Meter to unit 3. Install Concrete Pad for Generator to sit on 4. Install Generac 200Amp Service Rated Transfer Switch 5. Run 2&q...
by airahcaz
Mon Sep 01, 2014 9:27 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 32
Views: 1518

Re: LED recessed lighting question

I'd go with the retrofits as well. The prices on LED bulbs are dropping at an astonishing rate; BR30 bulbs which were $18 a piece a year ago are now going for as low as $10. Also, the newer bulbs are brighter and the color rendition is better. I wouldn't be at all surprised in the near future to se...
by airahcaz
Mon Sep 01, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: LED recessed lighting question
Replies: 13
Views: 966

Re: LED recessed lighting question

Essentially what I'm asking is why would one choose a whole kit like this http://m.homedepot.com/p/Lithonia-Lighting-4-in-Matte-White-LED-Recessed-Baffle-Kit-LK4BPMW-LED-M4/203311706 Lithonia Lighting 4 in. Matte White LED Recessed Baffle Kit-LK4BPMW LED M4 at The Home Depot vs a can which is usual...
by airahcaz
Mon Sep 01, 2014 11:09 am
 
Forum: Personal Consumer Issues
Topic: LED recessed lighting question
Replies: 13
Views: 966

Re: LED recessed lighting question

Essentially what I'm asking is why would one choose a whole kit like this http://m.homedepot.com/p/Lithonia-Lighting-4-in-Matte-White-LED-Recessed-Baffle-Kit-LK4BPMW-LED-M4/203311706 Lithonia Lighting 4 in. Matte White LED Recessed Baffle Kit-LK4BPMW LED M4 at The Home Depot vs a can which is usuall...
by airahcaz
Mon Sep 01, 2014 9:19 am
 
Forum: Personal Consumer Issues
Topic: LED recessed lighting question
Replies: 13
Views: 966

Re: Which generator do you have?

Just replaced a 5.5 KW gasoline portable with a Generac 11 KW natural gas standby generator. First unit cost about $500 15 years ago. Generac was $6000 installed with a transfer switch. The portable unit did the job of providing our essential power needs, but required someone to be home to pull it ...
by airahcaz
Mon Sep 01, 2014 8:34 am
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 32
Views: 1518

Re: Help me evaluate a standby generator quote

So it my view of weighing costs and benefits, spending $10,000 to purchase an insurance policy that requires $400-500 a year in extra expenses in order to guarantee my castle has power at all times is not worth it. My generator comes from nationwide chain store, can run a long time on 5 gallons of ...
by airahcaz
Sun Aug 31, 2014 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Help me evaluate a standby generator quote
Replies: 29
Views: 1590

Re: Wifi lights and light switches

I wouldn't go all in just yet with the wifi switches, the technology is too immature in my mind. Well, the tech isn't but the implementation is. I would go ahead and switch to LED's for your most used lights, as I did, but I would hold off on doing 60+ LED's at this time and just wait for prices to...
by airahcaz
Sun Aug 31, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: Wifi lights and light switches
Replies: 11
Views: 999

Re: Help me evaluate a standby generator quote

Is it natural, forgive the pun, to go with natural gas if available vs propose or diesel? Also, why would one not choose NG?
by airahcaz
Sun Aug 31, 2014 9:50 am
 
Forum: Personal Consumer Issues
Topic: Help me evaluate a standby generator quote
Replies: 29
Views: 1590

LED recessed lighting question

Attempting to install new 4" LED recessed lighting into ceiling areas where there are no current fixtures or cans. Understand options include: 1. New can, and can use baffle and bulb OR retrofit kit with a sealed light and baffle combo 2. Unit/can combo with LED light all in one piece, not sure...
by airahcaz
Sat Aug 30, 2014 11:53 pm
 
Forum: Personal Consumer Issues
Topic: LED recessed lighting question
Replies: 13
Views: 966

Which generator do you have?

Which generator do you have?

What brand?

What fuel source, natural gas, gasoline, etc?

If you don't mind, what were approximate unit and installation costs?

Thanks
by airahcaz
Sat Aug 30, 2014 11:47 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 32
Views: 1518

Re: Wifi lights and light switches

I'm in the same boat having just installed LED ceiling lights in all our bedrooms. I've been researching both remotes & dimmers. I'm really tempted to go with the Lutron Caseta dimmer line which uses a central hub and a semi-proprietary wireless system (not Wi-Fi). http://www.casetawireless.com...
by airahcaz
Fri Aug 29, 2014 10:13 pm
 
Forum: Personal Consumer Issues
Topic: Wifi lights and light switches
Replies: 11
Views: 999

Wifi lights and light switches

The Nest programmable wifi thermostat has worked really well for years. Great value add and highly recommended. We are in the process of purchasing about 16 dimmers and 60 LED bulbs / lights. Has anyone tried the various wifi enabled devices for these and do they actually work, or is the technology ...
by airahcaz
Fri Aug 29, 2014 6:15 pm
 
Forum: Personal Consumer Issues
Topic: Wifi lights and light switches
Replies: 11
Views: 999

Re: LED lightbulbs

I have yet to see LEDs that aren't ice pick in your eye blue white. As per previous poster, you want 2700K colour. That is the 'warm yellow'. I have had good success (in Europe) with the Phillips brand LED lights. Realize that's the CFL you have had trouble with. Phillips have the new slim style LE...
by airahcaz
Thu Aug 28, 2014 12:37 pm
 
Forum: Personal Consumer Issues
Topic: LED lightbulbs
Replies: 196
Views: 15767

Re: LED lightbulbs

I have a mix of incandescent and CFLs. I don't think I have yet had to replace a CFL, although some of them are probably over five years old. I have a "bug light yellow" CFL in an outdoor light. The brand may matter. I used to buy just GE, but bought some Philips incandescents once. Every...
by airahcaz
Thu Aug 28, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: LED lightbulbs
Replies: 196
Views: 15767

Re: LED lightbulbs

About six months ago I replaced the incandescent recessed lights in my kitchen with Cree LED replacements. The replacement I installed wasn't just a bulb; it was the entire box which was replaced. (Apologies that I don't know the terminology well; I'm not handy and had our handyman do it.) I'm not ...
by airahcaz
Wed Aug 27, 2014 11:38 pm
 
Forum: Personal Consumer Issues
Topic: LED lightbulbs
Replies: 196
Views: 15767

Fidlity's over diversification article

[Thread merged, see below. --admin LadyGeek]

Interesting graphic contained within

https://www.fidelity.com/insights/investing-ideas/how-much-diversification-is-too-much
by airahcaz
Thu Aug 21, 2014 9:38 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ: Is Your Portfolio Too Diversified?
Replies: 23
Views: 3315

Re: AAPL

airahcaz wrote:new 52 week high...


New all-time high
by airahcaz
Thu Aug 21, 2014 9:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 160
Views: 35189

Re: Do Super wealthy have access to different investing vehi

I do think that the fatcats at the top of most corporations have bit income opportunities not available to those of us with more regular jobs or professions. That being said, I'm not convinced that any of the "investments" available to the superrich are better than what's available to any...
by airahcaz
Tue Aug 19, 2014 9:16 pm
 
Forum: Investing - Theory, News & General
Topic: Do Super wealthy have access to different investing vehicles
Replies: 76
Views: 6276

Re: Retirement luxury vehicle

Red CPO Lexus ES350 :D http://atcm.co/S2PVDP/166E6A92 Folks, isn't this 3 years old and close to 40% less than new? This particular example has been wrecked twice. I agree with livesoft, if your negotiating skills are good you can pick up a CPO Lexus, without an accident record, for a decent price....
by airahcaz
Mon Aug 18, 2014 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4483

Re: Do Super wealthy have access to different investing vehi

If you want long-term options on large stable businesses, your in luck. You can buy any of over 10 TARP warrants on banks and insurance companies with expiration of 4 to over 6 years, available to us as well as the super wealthy. I have a hard time coming up with an investment that is not available...
by airahcaz
Sun Aug 17, 2014 9:37 pm
 
Forum: Investing - Theory, News & General
Topic: Do Super wealthy have access to different investing vehicles
Replies: 76
Views: 6276

Re: Do Super wealthy have access to different investing vehi

One simply wants to have long dates options that expire over decades. Would really like to know how a non mega millionaire gets such a deal. Do you have a strong view that present forecasts of volatility are too low? Otherwise, just buy the longest SPY leaps that are liquid (2-3 years), and roll th...
by airahcaz
Sun Aug 17, 2014 3:31 pm
 
Forum: Investing - Theory, News & General
Topic: Do Super wealthy have access to different investing vehicles
Replies: 76
Views: 6276

Re: Do Super wealthy have access to different investing vehi

Well I, as many folks do, believe the US markets will be higher 20-30 years from now than it is today. Options/LEAPS are limited to less than three years. I love to put on a 20-30 year option without having to have multi-millions to do so. Buying Berkshire is not the same, as clearly there are far ...
by airahcaz
Sun Aug 17, 2014 2:36 pm
 
Forum: Investing - Theory, News & General
Topic: Do Super wealthy have access to different investing vehicles
Replies: 76
Views: 6276

Re: Retirement luxury vehicle

Red CPO Lexus ES350 :D http://atcm.co/S2PVDP/166E6A92 Beauty, eh! :P Folks, isn't this 3 years old and close to 40% less than new? Not necessarily. The 2015s are out, so it's 4 years old even if it's 3 years old. It's 2WD, so new it could have been in the high 30s. It has 40some thousand miles. And...
by airahcaz
Sun Aug 17, 2014 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4483

Re: Retirement luxury vehicle

Raymond wrote:
airahcaz wrote:
Raymond wrote:Red CPO Lexus ES350 :D


http://atcm.co/S2PVDP/166E6A92


Beauty, eh! :P


Folks, isn't this 3 years old and close to 40% less than new?
by airahcaz
Sun Aug 17, 2014 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4483

Re: Do Super wealthy have access to different investing vehi

Using Buffett as an example, a lot of what he did could have been done by anyone. There was no special barrier to entry. The same is true of most of the great fortunes made over the past several decades. Gates and Jobs both bootstrapped themselves using their own talent. Of course an individual cou...
by airahcaz
Sun Aug 17, 2014 11:24 am
 
Forum: Investing - Theory, News & General
Topic: Do Super wealthy have access to different investing vehicles
Replies: 76
Views: 6276

Re: Retirement luxury vehicle

While I previously made the case for a brand new ES350, I also agree with the above post. If you're gonna go used, 4-6 years is financially a good way to go while 2-3 years old is not. The thing, however, is that at 4-6 years, especially in the snowbelt, it's really a USED car and no longer a nearl...
by airahcaz
Sun Aug 17, 2014 8:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4483

Re: Help with investing for children

Isn't money fungible? Couldn't the OP just break out a chunk of his retirement accounts and mentally consider it for his kids but continue contributing to his own after tax accounts given his retirement accounts are maxed out? Or have separate after tax accounts for the kids, purchasing tax efficie...
by airahcaz
Sun Aug 17, 2014 8:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with investing for children
Replies: 25
Views: 1708

Re: Do Super wealthy have access to different investing vehi

Keep rolling your eyes. You're on the right wavelength. There are some investment "opportunities" that require an accredited investor defined under the SEC rules to have a certain minimum net worth, or net income. But those opportunities are restricted not because of a plot to disenfranch...
by airahcaz
Sat Aug 16, 2014 11:19 pm
 
Forum: Investing - Theory, News & General
Topic: Do Super wealthy have access to different investing vehicles
Replies: 76
Views: 6276

Re: Retirement luxury vehicle

My full size car is costing too much in gas each week according to my newly created budget. If I have to replace it before I retire in a few years (at 75??...) the intermediate car will be a compact. The difference in gas consumption is significant with the newer gas efficient cars. When I retire I...
by airahcaz
Sat Aug 16, 2014 11:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4483

Re: Retirement luxury vehicle

I am on my second used lexus ES vehicle. They drive smooth, the interior is nice, maintenance is extremely cheap, and you can buy them for a song compared to German cars. My current one is a 2007 ES 350 which I bought last July with around 70,000 miles on it for $ 14,000. I plan on driving it to at...
by airahcaz
Sat Aug 16, 2014 11:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4483

Re: Retirement luxury vehicle

I am on my second used lexus ES vehicle. They drive smooth, the interior is nice, maintenance is extremely cheap, and you can buy them for a song compared to German cars. My current one is a 2007 ES 350 which I bought last July with around 70,000 miles on it for $ 14,000. I plan on driving it to at...
by airahcaz
Sat Aug 16, 2014 8:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4483

Re: Retirement luxury vehicle

It felt like it for the two days. I drove around to all the dealers while my mother told me stories about other "older" ladies who I do not know nor will ever meet. Stories like, this lady I know lives in Chicago and her son has two children. Interesting right? Identical. And then Seinfel...
by airahcaz
Fri Aug 15, 2014 7:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4483

Re: Retirement luxury vehicle

I recently helped my 74 yo mother buy a new car. She initially told me she wanted to look at several different luxury SUVs . I drove her all over town for two days and we looked at all the german, asian, and domestic brands. It was a complete waste of time because, unknown to me, she had already de...
by airahcaz
Fri Aug 15, 2014 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4483

Re: Retirement luxury vehicle

Raymond wrote:Red CPO Lexus ES350 :D



http://atcm.co/S2PVDP/166E6A92
by airahcaz
Wed Aug 13, 2014 6:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4483

Re: Retirement luxury vehicle

I was test driving a Mercedes C250's with my daughter last weekend - very nice car, easy to drive, safe, not too big and quick - lease return w/ warranty left are available for low 20's. CLA too new, unproven? I apologize as I'm kinda working off a "stereotypical" retired older lady model...
by airahcaz
Wed Aug 13, 2014 6:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4483

Re: Retirement luxury vehicle

123 wrote:If she's doesn't get out much the only brands that signify luxury to her might be Cadillac and Lincoln. You might be having thoughts like a whippersnapper. You sound like the Pepsi generation.


Pops drove a Benz and so all she knows is Merc, and Lexus cause I own one.
by airahcaz
Wed Aug 13, 2014 6:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4483

Re: Retirement luxury vehicle

hicabob wrote:I was test driving a Mercedes C250's with my daughter last weekend - very nice car, easy to drive, safe, not too big and quick - lease return w/ warranty left are available for low 20's.


CLA too new, unproven?
by airahcaz
Wed Aug 13, 2014 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4483

Re: Retirement luxury vehicle

Get the Merc E over the Lexus. The Merc's interior and much of the tech was superior to the Lexus. The Lexus feels like a Toyota Camry with some wood paneling and leather seats thrown in. The E flows much better. Also, we own an E350, it's been great and worth it, we plan to keep it until the wheel...
by airahcaz
Wed Aug 13, 2014 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4483

Re: Retirement luxury vehicle

Kinda vague, lots of cars fit your description if you are willing to go used/ CPO. I'd say a used ES350 is as good as anything though. Florida. No awd needed. Yeah kinda vague but that's what folks describe in their 60's - nothing but "and oh, red would be nice" ES in this range come with...
by airahcaz
Wed Aug 13, 2014 5:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4483

Retirement luxury vehicle

Parents retired.

Mom would like a luxury vehicle for her remaining years, and of course the only names she will probably accept are Mercedes and Lexus.

Budget less than $30K, probably wants to spend in the $20's for a nice used or CPO. My first instinct is a not too old ES350.
by airahcaz
Wed Aug 13, 2014 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4483

Re: Roth 401K withdrawal

Was Fidelity addressing the Roth 401k or the Roth IRA? A Roth IRA custodian would not know the cost basis because the cost basis applies to all your Roth IRA accounts and the custodian has no way of knowing how many you may have. But for a 401k, the plan administrator MUST know the cost basis becau...
by airahcaz
Mon Aug 04, 2014 9:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401K withdrawal
Replies: 24
Views: 964

Re: Roth 401K withdrawal

Your brain feeling fried? Yes. And thanks Alan. I happen to speak to Fidelity today. They stated that if the source is back door conversion, or rollover of after 401K tax dollars, or rollover from Roth IRA, then each of these have a five year clock starting at the date they enter the Roth IRA. Only...
by airahcaz
Mon Aug 04, 2014 7:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401K withdrawal
Replies: 24
Views: 964

Re: Roth 401K withdrawal

livesoft wrote:Let me confuse the issue. Are you older than 59.5 years old? Have these Roth 401(k) things been around longer than 5 years?


No.

Yes.
by airahcaz
Sun Aug 03, 2014 6:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401K withdrawal
Replies: 24
Views: 964

Re: Roth 401K withdrawal

Not planing to max after-tax contributions for 2014. Would like to withdraw contributions from prior years though. Where would you like to withdraw them from? -If you are talking about the money that got converted in-service to Roth 401k, I don't think so, but not sure. -If you are talking about th...
by airahcaz
Sun Aug 03, 2014 5:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401K withdrawal
Replies: 24
Views: 964

Re: Roth 401K withdrawal

think this poster (even though s/he may not know it) is asking about after-tax contributions, not Roth 401k or Roth IRA or Designated Roth accounts. The 401k plan allow for rollover of the after-tax money but it probably will not allow tax free and penalty withdrawal of that money that was rolled i...
by airahcaz
Sun Aug 03, 2014 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401K withdrawal
Replies: 24
Views: 964

Re: Roth 401K withdrawal

I don't know, but I doubt you can move that money. Have you considered contributing to an after-tax account and rolling that to Roth IRA? And can that then be withdrawn? The money can always be withdrawn but the question is whether taxes and penalties will apply. Here's a fairmark page on Roth IRA ...
by airahcaz
Sun Aug 03, 2014 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401K withdrawal
Replies: 24
Views: 964

Re: Roth 401K withdrawal

retiredjg wrote:I don't know, but I doubt you can move that money.

Have you considered contributing to an after-tax account and rolling that to Roth IRA?


And can that then be withdrawn?
by airahcaz
Sun Aug 03, 2014 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401K withdrawal
Replies: 24
Views: 964

Re: Roth 401K withdrawal

Hopefully Fidelity can answer Monday.
by airahcaz
Sun Aug 03, 2014 4:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401K withdrawal
Replies: 24
Views: 964

Re: Inherited accounts

True, but not complete (it is also true if you give less than $2 million away). The amount of the lifetime and annual exclusion are inflation adjusted, so the limit will be higher in the future. Also, you take your annual exclusion before you compute the tax against which you take the credit. For e...
by airahcaz
Sat Aug 02, 2014 8:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Inherited accounts
Replies: 42
Views: 2192
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