Search found 411 matches

by NHRATA01
Fri May 26, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Air Conditioning unit / fix or replace
Replies: 13
Views: 851

Re: Air Conditioning unit / fix or replace

$2600 seems steep. Other point is that was clarified as "just the compressor". If you lost the 10-12lbs or so of R22, chalk up a recharge at possibly up to $100/lb (since it seems like that's what the HVAC shuysters are charging these days - market price is closer to $40/lb).
by NHRATA01
Wed May 24, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Does auto insurance still hike your rates for a claim?
Replies: 6
Views: 786

Re: Does auto insurance still hike your rates for a claim?

I'll tell you soon. Wife totaled her car a week ago. 3 years with Gieco, no claims no tickets and they were half the price of Liberty Mutual when I switched over.

Such is life...
by NHRATA01
Wed May 24, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: advice on hvac replacement decision
Replies: 18
Views: 1459

Re: advice on hvac replacement decision

I'm leaning towards option 2 because I expect the compressor will cost at least 1/2 as much as a new unit. If this is not the case and the compressor is say 1/4 the cost of a new unit, then I'd do the compressor. Is there a savings to be had by replacing both the a/c system and gas furnace in one g...
by NHRATA01
Wed May 24, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: advice on hvac replacement decision
Replies: 18
Views: 1459

Re: advice on hvac replacement decision

The R22 refrigerant is getting expensive to replace. However if he recovers the charge before doing the work and it is a sufficient amount, he should be able to replace the compressor and refill the system with the existing charge, and you're good to go. That doesn't mean it won't develop a leak at ...
by NHRATA01
Fri May 19, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Did TD Ameritrade raise the IRA minimum purchase for the NL/NTF mutual funds in the past few years?
Replies: 2
Views: 235

Re: Did TD Ameritrade raise the IRA minimum purchase for the NL/NTF mutual funds in the past few years?

Yeah I don't recall it being that low. I've used PDRGX for a few years now through them and I thought the initial minimum was at least $1500 (I see it say $2500 now). Strangely enough, I see the minimum additions are $100. But I recently added $91.77 (transfer of rewards points from a TDA Visa card)...
by NHRATA01
Thu May 18, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: Keep paying for AC refrigerant when tech cannot find a leak
Replies: 20
Views: 1548

Re: Keep paying for AC refrigerant when tech cannot find a leak

You can buy a brand new 30 lb canister of R-22 on Ebay for a relatively affordable price, keep in your basement for future use, and be ahead the first time you need Freon added in 1/2/5/10/20 years. Just saying... And no, your local HVAC guy isn't going to be happy, since he wants to sell you his a...
by NHRATA01
Wed May 10, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: 18" vs 20" Tires
Replies: 39
Views: 2126

Re: 18" vs 20" Tires

Wow! according to the Car and Driver article the radical bananaskins didn't really help performance,which I thought was the only justification for the things. So I thought I was prejudiced,but the facts justify even more rejection of the fad. I thought they would help performance on a controlled ra...
by NHRATA01
Wed May 10, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: international stocks poised to outperform US ???
Replies: 80
Views: 5915

Re: international stocks poised to outperform US ???

I checked with my financial advisor today and here is what he had to say: “For 240 years it’s been a terrible mistake to bet against America, and now is no time to start” He is a guy named Warren Buffett, he has smoked the pants off the S&P 500 for the past few decades. How's your guy done over...
by NHRATA01
Wed May 10, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: 18" vs 20" Tires
Replies: 39
Views: 2126

Re: 18" vs 20" Tires

It could well be that a 19" tire is the middle ground that would keep everyone happy. A lot of vehicles have choices ranging over three tire sizes. In most cases the lowest aspect tire is not the best idea unless the incentive is best handling, a moot issue on an SUV. In fact the best handling...
by NHRATA01
Wed May 10, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: international stocks poised to outperform US ???
Replies: 80
Views: 5915

Re: international stocks poised to outperform US ???

I checked with my financial advisor today and here is what he had to say: “For 240 years it’s been a terrible mistake to bet against America, and now is no time to start” He is a guy named Warren Buffett, he has smoked the pants off the S&P 500 for the past few decades. How's your guy done over...
by NHRATA01
Tue May 09, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: End of model year car purchases
Replies: 10
Views: 954

Re: End of model year car purchases

It is brand dependent, and even model dependent. The domestics tend to be more apt to offload something at thousands less than the imports. I see you have Subaru up there, they tend to sell very well in the Northeast and not a ton of old inventory on the dealers lots so you're going to be hard press...
by NHRATA01
Tue May 09, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Replacing residential HVAC system, Mesa Arizona
Replies: 19
Views: 1340

Re: Replacing residential HVAC system, Mesa Arizona

Also, I would NOT replace a working unit until it literally cannot be fixed. I would not wait to replace a rather old unit that is having issues. OP does not specify that. I agree if its working fine, to leave it alone. Particularly as it sounds as if it wasn't getting a ton of use. But if the unit...
by NHRATA01
Tue May 09, 2017 2:06 pm
Forum: Investing - Theory, News & General
Topic: Buffett/IBM
Replies: 73
Views: 5905

Re: Buffett/IBM

I worked for IBM from 2001-2015. Fortunate enough to buy up a lot of shares during most of that run, as it was basically a steady increase in stock price from roughly '01 through '12 primarily under the Palmisano regime. Fundamentally, they had a very good business model - heavy in on long term site...
by NHRATA01
Tue May 09, 2017 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 74
Views: 7143

Re: Changes to NYS Deferred Compensation Plan

Wow, those are some pretty extremely low ER's for the funds. I hate to lose VG and ticker funds, but on the surface I can't see too much negative with going to these CIT's. I have an old employer's 401K (457 is my wife's plan) where the Fidelity index funds are CIT's, and the ER's are lower than the...
by NHRATA01
Tue Apr 25, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Alternate Energy Supply Companies?
Replies: 4
Views: 391

Re: Alternate Energy Supply Companies?

The best thing to do is simply look at your past bill (or go to the utility's website if they offer it) to see what your current generation charges are. Be sure to separate that from your delivery charges. Your new supplier will only be able to offer a rate on generation, your utility is always goin...
by NHRATA01
Tue Apr 25, 2017 8:39 am
Forum: Personal Consumer Issues
Topic: Car troubles?
Replies: 18
Views: 1167

Re: Car troubles?

Post up the year for us. From my memory Honda's haven't needed valve adjustments since around the mid '00s with the newer series of engines (personally IMO it was absurd they still did past 1990 when everyone else had self adjusting hydraulic lifters). The serpetine belt is about a 2 minute job, may...
by NHRATA01
Wed Mar 15, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 5412

Re: Car engines. Turbo vs no turbo

That is one of the reasons for oil changes to be done at all, but I would point out that other manufacturers, such as BMW are fine with 10,000+ intervals. There's nothing special about BMW engines that allow them to go longer between changes. The main difference is that BMW provides free maintenanc...
by NHRATA01
Wed Mar 15, 2017 10:09 am
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 5412

Re: Car engines. Turbo vs no turbo

Do all these new turbo cars require premium gasoline? A lot of the non-luxury makes use the wording "recommended not required" (the luxury makes tend to expect you to pony up anyway). Which means it takes premium to make the advertised horsepower but the car can run on regular. In my opin...
by NHRATA01
Fri Mar 10, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 5412

Re: Car engines. Turbo vs no turbo

My wife's car is a 2007 G35X. 300+ horsepower V6 with no turbo. My friend has an Impreza WRX of similar vintage - or probably a few years newer - 4 cyl. motor with turbo. Definitely not 300 horsepower. On a long road trip in the Impreza, he was keeping an eye on his cruising speed to keep it below ...
by NHRATA01
Fri Mar 10, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 5412

Re: Car engines. Turbo vs no turbo

tetractys wrote:Blowers provide direct high volume air, so why settle for a puny lagging turbocharger? -- Tet


Because a properly sized and engineered modern turbo will have minimal lag, and because by nature a supercharger is robbing horsepower to turn it and thereby is less efficient.
by NHRATA01
Mon Mar 06, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: 2005 Chevy Blazer MPG ?
Replies: 7
Views: 545

Re: 2005 Chevy Blazer MPG ?

That axle ratio isn't correct for that year Blazer. I believe they were a 3.42. 2005 was the very last of the S10 Blazer, and they only sold 2 doors that year. I had a 2003, although with the 5 speed manual. Family also had a '95, '97 and '99. If you are only getting 12mpg, something is wrong. The s...
by NHRATA01
Fri Jan 27, 2017 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 74
Views: 7143

Re: Changes to NYS Deferred Compensation Plan

https://www.irs.gov/retirement-plans/irc-457b-deferred-compensation-plans ^^ See if this link answers your question. Thanks! I think the answer is that it's well worth it to stay in a governmental 457 plan. Even though there are some nickel-and-dime recordkeeping charges I'd save with a rollover to...
by NHRATA01
Fri Jan 13, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa 2% cash back
Replies: 73
Views: 9822

Re: Fidelity Rewards Visa 2% cash back

So basically you can only really keep the money in a cash/moneymarket account until you reach a pretty significant threshold? Transfer money out with EFT (Electronic Funds Transfer) like any other checking/brokerage account? Or you could transfer money in to the new account to reach thresholds soon...
by NHRATA01
Fri Jan 13, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa 2% cash back
Replies: 73
Views: 9822

Re: Fidelity Rewards Visa 2% cash back

I recieved the $200 offer for spending 2k in 3 months. I have a fidelity 401k but no brokerage. Will I need to apply for a brokerage account before opening this if i do so? I already have citi double cash...which is pretty much the same rewards.l as fidelity. Hi, I'm sorry to bump this after 6 mont...
by NHRATA01
Mon Jan 09, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: Optimum cable and 2nd modem?
Replies: 27
Views: 1606

Re: Optimum cable and 2nd modem?

FYI to my knowledge Optimum is not charging rental costs for modems. I had one and considered switching it out. There is (or was) an FAQ on Optimum's site about how to address and install a modem on their network, and it said something along the lines of they don't discourage it, but why bother if t...
by NHRATA01
Fri Dec 16, 2016 10:58 am
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 8716

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

Some may disagree but unless you're in a really harsh, snowy winter climate (say Syracuse NY, North Dakota, Maine, Wyoming, etc etc), IMHO I don't see a need for winter tires over all seasons, particularly on an AWD vehicle. Jersey, Southern NY/LI...here on a notably bad winter we may get accumulati...
by NHRATA01
Fri Dec 16, 2016 10:43 am
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 8716

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

"Summer tires" are really performance tires and probably "3-season" is accurate for them. I've had 2 cars with them. They are usually designed for rain - unless you have something exotic like cup tires such as the Trofeo R's on a Ferarri, Z06 or Z/28, etc - track cars basically. ...
by NHRATA01
Fri Dec 16, 2016 10:35 am
Forum: Investing - Theory, News & General
Topic: Ellis: "Under 40 years old - 100% in Stocks"
Replies: 54
Views: 6132

Re: Ellis: "Under 40 years old - 100% in Stocks"

I think having 10-20% in bonds at that age is reasonable. Returns aren't dinged that much in exchange for lowered volatility. But IMO the greatest benefit is that if you have another '08/'09 when equities are crashing and bond prices are going up, following a disciplined stock/bond AA, you will be f...
by NHRATA01
Wed Dec 14, 2016 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Colleague's financial advisor
Replies: 14
Views: 1583

Re: Colleague's financial advisor

"Ask those engineers whether [your customers] should be buying [your products] or the cheaper versions……Low cost does not necessitate higher returns. 2 things: 1. You buy a more expensive product (assuming this isn't a luxury good where you're just paying for a name) because it presumably has ...
by NHRATA01
Tue Nov 01, 2016 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Any NYS Teachers with 403B?
Replies: 24
Views: 1679

Re: Any NYS Teachers with 403B?

Interesting in that the union has to approve the 457b. A lot of these 403b articles suggest there's some kickbacks (legal or not so much, I do not know) to the union from 403b providers. That may not help get a 457 on the list. My wife's district does have a 457b option on the Omni website. Now, int...
by NHRATA01
Thu Oct 27, 2016 11:27 am
Forum: Investing - Theory, News & General
Topic: NY Times first in a series about 403(b)s with public K-12
Replies: 121
Views: 14396

Re: NY Times first in a series about 403(b)s with public K-12

This is why I try my best to direct anyone in the state to the NYS 457 plan, since it is very low cost and quite good. Of course it's usually buried in a link at the bottom of the respective OMNI website. And in my wife's case, her payroll person was too lazy to do her job and claimed the 457 was no...
by NHRATA01
Thu Oct 27, 2016 9:49 am
Forum: Investing - Theory, News & General
Topic: Wait until after election to add to Roth IRA?
Replies: 16
Views: 2295

Re: Wait until after election to add to Roth IRA?

I would not, since as mentioned no one knows what the markets will do on that day, or for that matter before that day (we could have a strong bull run over the next 2 weeks). If I was to speculate, I would say the markets are clearly expecting a certain candidate to win so they have priced that in, ...
by NHRATA01
Thu Oct 27, 2016 9:46 am
Forum: Investing - Theory, News & General
Topic: 2017 401K and IRA Contribution Limits
Replies: 12
Views: 2133

Re: 2017 401K and IRA Contribution Limits

I suspect we won't see them move much as they are supposed to be linked to core inflation, which has been quite low going on a few years now.
by NHRATA01
Thu Oct 27, 2016 9:24 am
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 38986

Re: The Bogleheads' "100 Things Worth Every Penny" List

I heard an old piece of advice a couple of years ago that really makes sense. "Don't cheap out on the things that put you in contact with the earth" By that meaning, shoes, socks, tires, mattress. Also I forgot who the billionaire was when asked on what to splurge and he answered "Soc...
by NHRATA01
Mon Oct 10, 2016 11:24 am
Forum: Personal Consumer Issues
Topic: New car: wait for redesigned 2017 to arrive before purchasing 2016?
Replies: 15
Views: 1522

Re: New car: wait for redesigned 2017 to arrive before purchasing 2016?

Only thing I would caution in this specific case, is Subaru tends to have very tight supplies of its vehicles, relative to competitors. If you wait too long, the '16s may be gone. OTOH I find this to be a valid strategy generally for the big 3. They tend to overstock many of their vehicles and have ...
by NHRATA01
Wed Sep 28, 2016 12:14 pm
Forum: Personal Consumer Issues
Topic: 2016 Murano or 2016 Acura MDX
Replies: 36
Views: 4435

Re: 2016 Murano or 2016 Acura MDX

Buy the one that doesn't require premium fuel, which is certainly not going to be the Acura. This will save you hundreds or thousands over the life of the car. There's no reason to design a car that requires premium fuel, unless it's a sports car. With the move to higher output smaller displacement...
by NHRATA01
Thu Sep 22, 2016 12:48 pm
Forum: Personal Consumer Issues
Topic: Audi Service Dealership Cost too high? Where should I take it?
Replies: 39
Views: 4382

Re: Audi Service Dealership Cost too high? Where should I take it?

Ok so looking it up, the Q5 hybrid uses the 8-speed tiptronic. This is the ZF 8HP 8-speed, which is used in a variety of BMW's and Benz's, but also the run of the mill Chrysler 300, Dodge Charger/Challenger, Ram and Durango/Jeep Grand Cherokee. Interestingly enough, a cursory look around the BMW for...
by NHRATA01
Thu Sep 15, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: Purchase '98 Toyota Camry?
Replies: 40
Views: 4903

Re: Purchase '98 Toyota Camry?

One concern with a car of that age is the lack of modern safety features. However, late model Camrys are much more expensive. I am satisfied, on balance, with the safety/risk of that era cars. Yeah a couple downsides: -No side airbags. -No electronic stability control (ESC). -Depending on model, no...
by NHRATA01
Mon Sep 12, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: 2016 Murano or 2016 Acura MDX
Replies: 36
Views: 4435

Re: 2016 Murano or 2016 Acura MDX

I believe the Murano still has the CVT which hasn't been known to be the greatest in terms of livability and reliability. The Acura will hold it's value a bit better and Honda tends to be a more reliable make than Nissan. You will also likely get better mileage with the FWD over the AWD. IMO AWD is ...
by NHRATA01
Mon Sep 12, 2016 2:49 pm
Forum: Personal Consumer Issues
Topic: 2006 mazda miata for daughter, 42k miles, $10k?
Replies: 64
Views: 4945

Re: 2006 mazda miata for daughter, 42k miles, $10k?

Well, it's worth considering that the possibility of accident avoidance goes up with such a great handling and braking vehicle. Being that young women drivers tend to be much more conservative than young men, I hardly think she's going to be driving at 9/10ths through every local tail of the dragon-...
by NHRATA01
Mon Aug 29, 2016 8:52 am
Forum: Investing - Theory, News & General
Topic: Outlook on oil
Replies: 54
Views: 4059

Re: Outlook on oil

Pure fun and speculation, not investing strategy, but my thoughts: I have a hard time being bearish on oil over the long term. We really still haven't moved away from fossil fuels as much as we like to think. US fleet average has actually dropped thanks to the resumption of CUV/SUV purchases with lo...
by NHRATA01
Fri Aug 26, 2016 1:49 pm
Forum: Personal Consumer Issues
Topic: Where to mount winter tires?
Replies: 31
Views: 2570

Re: Where to mount winter tires?

I'm fascinated about the winter tire thing. Where do you all store them? I read that for best practice you should store them in airtight bags in a climate contrlled space. I just don't see a set of 4 wheels fitting anywhere in my house. Maybe its a neat decor idea for our boys room though... I don'...
by NHRATA01
Tue Aug 23, 2016 6:45 am
Forum: Investing - Help with Personal Investments
Topic: Voya 403b fund options
Replies: 24
Views: 1635

Re: Voya 403b fund options

I cannot tell your location, but if you are in NY have you considered using the state 457 plan? It is quite good and I opened an account for my wife through Omni as I found the 403b provider list (basically the same as yours) rather unpalatable. I am in NY. I did some internet searching and everyth...
by NHRATA01
Mon Aug 22, 2016 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Voya 403b fund options
Replies: 24
Views: 1635

Re: Voya 403b fund options

I cannot tell your location, but if you are in NY have you considered using the state 457 plan? It is quite good and I opened an account for my wife through Omni as I found the 403b provider list (basically the same as yours) rather unpalatable. I am in NY. I did some internet searching and everyth...
by NHRATA01
Fri Aug 19, 2016 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Voya 403b fund options
Replies: 24
Views: 1635

Re: Voya 403b fund options

I cannot tell your location, but if you are in NY have you considered using the state 457 plan? It is quite good and I opened an account for my wife through Omni as I found the 403b provider list (basically the same as yours) rather unpalatable.
by NHRATA01
Wed Aug 10, 2016 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Are bonds necessary for young investors?
Replies: 58
Views: 3906

Re: Are bonds necessary for young investors?

I find the value at 36, to be twofold. 1) to blunt the impact of market corrections (I still watched my portfolio drop by over 50% in '08 and '09 with a 20% bond allocation) 2) to have something to re balance from. Bonds tend to run up when the market tanks. If you're sticking to say, an 80/20 alloc...
by NHRATA01
Wed Aug 10, 2016 8:15 am
Forum: Personal Consumer Issues
Topic: Anyone have A/C fail on an older Honda CRV?
Replies: 50
Views: 9225

Re: Anyone have A/C fail on an older Honda CRV?

Our 2004 CR-V blew the compressor at about 60k miles. The dealer we brought the vehicle from covered the parts under warrantee and labor was in the $400 range. The only other non standard item that I had replaced was the oxygen sensor in the fuel system. Talking to the mechanic I may have been the ...
by NHRATA01
Tue Aug 09, 2016 2:34 pm
Forum: Personal Consumer Issues
Topic: Anyone have A/C fail on an older Honda CRV?
Replies: 50
Views: 9225

Re: Anyone have A/C fail on an older Honda CRV?

I never dreamed fixing the A/C was one of the most expensive auto repairs there is. I'm wondering where it falls on the list of major $$ repairs -- right behind a rebuilt engine? It's only cool AIR for geez sake! The evaporator is buried in the dash and on most cars necessitates dismantling the das...
by NHRATA01
Tue Aug 02, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: anyone own a stingray corvette? how do you like it?
Replies: 37
Views: 3633

Re: anyone own a stingray corvette? how do you like it?

Have you considered cross shopping a '16+ Camaro SS? 95% of the performance, ~66% of the price and a bit more practicality and comfort. Trust me in that they are far from the oxcarts of years past. Agreed. I'm actually surprised GM allows the Camaro to be so competitive with the Corvette. Pick your...
by NHRATA01
Mon Aug 01, 2016 3:06 pm
Forum: Investing - Theory, News & General
Topic: Edelman on Muni's
Replies: 29
Views: 2412

Re: Edelman on Muni's

Possibly broaching the scope of this board here, but I'd have to think there would not be a good motivation for the federal government to remove the tax exempt status of munis - doing so would certainly ding the demand for municipal debt and make it harder for municipalities to secure financing. You...

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