Search found 104 matches

by UALflyer
Thu Jul 27, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: State Farm vs Penn National- auto, renters, umbrella?
Replies: 58
Views: 5128

Re: State Farm vs Penn National- auto, renters, umbrella?

I've had claims with State Farms before and found them to be okay. Their claims settlement practices are not nearly as bad as the bottom tier ones that tend to specialize in insuring higher risk members, but are still quite difficult to work with, and still require a substantial fight to get to the ...
by UALflyer
Wed May 10, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Replacing residential HVAC system, Mesa Arizona
Replies: 19
Views: 1511

Re: Replacing residential HVAC system, Mesa Arizona

Most AC units on small houses and condos in Arizona are single package units for the compressor and evaporator and everything else. They are roof mounted. So replacing the AC means replacing all this stuff. And most of time the heater and AC unit are also in that one package. Plus in many instances...
by UALflyer
Tue May 09, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: Replacing residential HVAC system, Mesa Arizona
Replies: 19
Views: 1511

Re: Replacing residential HVAC system, Mesa Arizona

R-410A does run a bit higher pressure, and it's actually a bit worse from a kW/ton efficiency standpoint over R22. Realistically he'll need a new condenser, line set, and hopefully just the coil in the air handler. Everything is spot on, except that depending on the size, a new line set may not be ...
by UALflyer
Tue May 09, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Replacing residential HVAC system, Mesa Arizona
Replies: 19
Views: 1511

Re: Replacing residential HVAC system, Mesa Arizona

There is no need to guess about the savings associated with various SEER ratings. Simply head over to https://energy.gov/eere/femp/energy-and-cost-savings-calculators-energy-efficient-products This is an official government website, which contains various cost calculators. Select "Central Air C...
by UALflyer
Sun May 07, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: Switching Auto Insurance, need advice on Roadside assistant
Replies: 35
Views: 2435

Re: Switching Auto Insurance, need advice on Roadside assistant

I think that there is essentially no chance that using roadside assist affects your insurance rates. http://money.cnn.com/2006/06/23/news/companies/towing_insurance/ http://www.consumerreports.org/cro/2012/05/roadside-assistance-beware-the-gaps/index.htm http://www.insure.com/car-insurance/do-not-d...
by UALflyer
Fri May 05, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Switching Auto Insurance, need advice on Roadside assistant
Replies: 35
Views: 2435

Re: Switching Auto Insurance, need advice on Roadside assistant

But none of that means that they do or will. Why would they? Some insurance companies do already factor all CLUE claims into their underwriting. Like I mentioned above, given the number of inexpensive ways of obtaining roadside assistance without suffering a CLUE claim that you always get by doing ...
by UALflyer
Fri May 05, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Switching Auto Insurance, need advice on Roadside assistant
Replies: 35
Views: 2435

Re: Switching Auto Insurance, need advice on Roadside assistant

You specifically asked if roadside assistance claims would go to setting rates for liability and collision? Did you ask them the reasoning? Front line insurance reps don't know the reasoning, nor does it really matter, as you don't get to convince them one way or the other. Just because you are tol...
by UALflyer
Fri May 05, 2017 8:04 am
Forum: Personal Consumer Issues
Topic: Buying first home with old hvac
Replies: 92
Views: 4622

Re: Buying first home with old hvac

I would look at it differently. If the current HVAC system is 20 years old, a new one that is more energy efficient may very well pay for itself in just a few years. There are a lot of good reasons to proactively replace a 20 year old HVAC system, but increased energy efficiency alone will absolute...
by UALflyer
Thu May 04, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: advice on replacing central AC unit
Replies: 20
Views: 1147

Re: advice on replacing central AC unit

Yes I read those threads and they are full of people who feel two-stage units are worth the money, you being the exception. They also have comments by you trying to shout down the rest of the posters (like in this thread) by throwing out many statements, some contradictory. Correcting inaccuracies ...
by UALflyer
Thu May 04, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: advice on replacing central AC unit
Replies: 20
Views: 1147

Re: advice on replacing central AC unit

Even with my new system, there is quite a noticeable difference in noise when running on high stage (blower providing ~1100CFM) vs low stage (~700CFM). The blower itself is quieter due to the lower RPM, and there is less air noise as air is pulled through the intake grates and pushed through the re...
by UALflyer
Thu May 04, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: advice on replacing central AC unit
Replies: 20
Views: 1147

Re: advice on replacing central AC unit

First, I absolutely love having 2-stage cooling and don't plan on ever going back. We're not yet into the really hot part of the year (just hitting the 90s), so the unit mostly runs on low stage, I'd say > 95% of the time. This means longer run times which extracts more humidity, and cools the hous...
by UALflyer
Thu May 04, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: advice on replacing central AC unit
Replies: 20
Views: 1147

Re: advice on replacing central AC unit

Oversizing - The unit is starting up and shutting off more times than necessary and most definitely creates wear and tear on the system. Please re-read what I posted above. The primary issue with oversizing is short cycling, which results in flash cooling, which means that the temperature is droppe...
by UALflyer
Thu May 04, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: advice on replacing central AC unit
Replies: 20
Views: 1147

Re: advice on replacing central AC unit

I disagree. There are many threads with lots of positive comments on the benefits of two stage air conditioning. The benefits include more constant temperature, better humidity control, less noise, etc. Here are a few more links that I found with a quick search. https://www.bogleheads.org/forum/vie...
by UALflyer
Thu May 04, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: advice on replacing central AC unit
Replies: 20
Views: 1147

Re: advice on replacing central AC unit

1. I wouldn't wait for it to croak because it always seems to happen at the same time. When I replacement mine almost four years ago, I seem to recall it took a month after we ordered it before it arrived from the factory and could be installed. It depends on how bad the leak is and the overall con...
by UALflyer
Tue Jan 24, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Continue to rent or sell condo
Replies: 21
Views: 2039

Re: Continue to rent or sell condo

A problem with keeping it as a rental for more than a few years is that if you sell it later you will have to recapture the depreciation in addition to the capital gains tax which could leave you with a large tax bill then. Many people decide to keep rentals they have owned for a long time just to ...
by UALflyer
Mon Nov 28, 2016 7:56 am
Forum: Personal Finance (Not Investing)
Topic: No Appraisal Refinance
Replies: 23
Views: 2223

Re: No Appraisal Refinance

I did a no-appraisal refi back in August, worked out very well - 3 weeks from application to signing. The broker saw that we had a very good LTV and the appraisal & fee were indeed waived. YMMV, just shop around. Things tend to change quickly. As the link above demonstrates, for Fannie and Fred...
by UALflyer
Sun Nov 27, 2016 11:56 am
Forum: Personal Finance (Not Investing)
Topic: No Appraisal Refinance
Replies: 23
Views: 2223

Re: No Appraisal Refinance

For Fannie and Freddie Mac loans, a no appraisal refi is possible if the mortgage is less than $250,000, the house is less than $1,000,000 (there are also LTV limitations, which vary on the loan type). At least two banks have disagreed. They say that's possible, but you need a waiver from Fannie/Fr...
by UALflyer
Sun Nov 27, 2016 8:24 am
Forum: Personal Finance (Not Investing)
Topic: No Appraisal Refinance
Replies: 23
Views: 2223

Re: No Appraisal Refinance

For Fannie and Freddie Mac loans, a no appraisal refi is possible if the mortgage is less than $250,000, the house is less than $1,000,000 (there are also LTV limitations, which vary on the loan type).
by UALflyer
Tue Oct 18, 2016 8:23 am
Forum: Personal Consumer Issues
Topic: recs on gas forced air furnace replacement?
Replies: 34
Views: 2975

Re: recs on gas forced air furnace replacement?

Extremely high SEER ratings will require multi-stage systems, but your breakeven on the cost differential is generally going to exceed the expected life of the system. Hence, the reason that I keep mentioning that if it's energy efficiency that people are after, multi-stage/variable speed systems a...
by UALflyer
Tue Oct 18, 2016 7:44 am
Forum: Personal Consumer Issues
Topic: recs on gas forced air furnace replacement?
Replies: 34
Views: 2975

Re: recs on gas forced air furnace replacement?

This is the one I disagree with most. It is exactly the opposite of our most recent experience, when we replaced a 3-year-old system because of how terribly it performed. We had a low-end (Night & Day) single-stage furnace that was slightly oversized for our house. Ductwork for the common areas...
by UALflyer
Mon Oct 17, 2016 8:16 pm
Forum: Personal Consumer Issues
Topic: recs on gas forced air furnace replacement?
Replies: 34
Views: 2975

Re: recs on gas forced air furnace replacement?

And don't underestimate the quietness value of the modulating functionality. You don't even know the furnace is running most of the time. It always amazes me now when I go visit family/friends, and their old school furnace kicks off, and sounds like a jet running. You don't know what you're missing...
by UALflyer
Mon Oct 17, 2016 3:28 pm
Forum: Personal Consumer Issues
Topic: recs on gas forced air furnace replacement?
Replies: 34
Views: 2975

Re: recs on gas forced air furnace replacement?

...exactly hvac-talk.com... If you are suggesting that hvac-talk.com supports the statements that you've made above, then please provide some links to their threads. in short we would never install anything but a multi stage variable fan system as it is so much better and more comfortable. The diff...
by UALflyer
Mon Oct 17, 2016 2:10 pm
Forum: Personal Consumer Issues
Topic: recs on gas forced air furnace replacement?
Replies: 34
Views: 2975

Re: recs on gas forced air furnace replacement?

1. Just anecdotal but we had zero reliability problems with 2 variable stage and variable fan systems in 2 house over multiple years. Neighbor running same system also had zero issues in 5+ years. [/i] In general, the more complex something is, the more opportunity there is for something to fail. T...
by UALflyer
Mon Oct 17, 2016 12:36 pm
Forum: Personal Consumer Issues
Topic: recs on gas forced air furnace replacement?
Replies: 34
Views: 2975

Re: recs on gas forced air furnace replacement?

+1. Brand isn't the most important thing, it's the contractor quality, but it's really hard to figure out who a good contractor is in advance. You won't sometimes find out who the poor installer is until you start having problems later out. I completely agree. In addition, the fact that contractor ...
by UALflyer
Mon Oct 17, 2016 8:15 am
Forum: Personal Consumer Issues
Topic: recs on gas forced air furnace replacement?
Replies: 34
Views: 2975

Re: recs on gas forced air furnace replacement?

I think it's hit or miss and depends on what equipment you need. Last summer I had a new Lennox gas furnace and AC installed through Costco. The discount brought the price about $2k below the price from other local HVAC contractors for the same/equivalent equipment (Elite series). Plus I got a cash...
by UALflyer
Mon Oct 17, 2016 7:23 am
Forum: Personal Consumer Issues
Topic: recs on gas forced air furnace replacement?
Replies: 34
Views: 2975

Re: recs on gas forced air furnace replacement?

In my area, at least, Lennox is sold through Costco. I would think that their price would be competitive, and if there are problems, you would have Costco standing behind it. We recently changed our A/C system and even with the Costco discount, and we had the best discount available as executive me...
by UALflyer
Mon Oct 17, 2016 7:06 am
Forum: Personal Consumer Issues
Topic: recs on gas forced air furnace replacement?
Replies: 34
Views: 2975

Re: recs on gas forced air furnace replacement?

We installed new forced air gas furnace (high end Trane) in our previous home. Regardless of the brand, I'd second a previous poster's recommendation to pay extra to get a unit with a variable fan and a two stage burner. Both items are worth the extra investment, the two stage burner because it is ...
by UALflyer
Mon Jul 18, 2016 9:43 am
Forum: Personal Consumer Issues
Topic: What's up with 4K tv? Should I buy one?
Replies: 101
Views: 8201

Re: What's up with 4K tv? Should I buy one?

So it sounds like for now it's OK to go with my original plan for 1080p. Then when 4K takes the world over I'll consider upgrading. Will be buying everything this week. Now I just need help with the stereo receiver... Do people still buy "receivers"? I use the Sonos speaker system and abs...
by UALflyer
Sun Jun 05, 2016 11:32 am
Forum: Personal Consumer Issues
Topic: Do I want a house with a pool?
Replies: 96
Views: 8582

Re: Do I want a house with a pool?

In Atlanta you will get around 3.5 months use of the pool and if you are like me then you will likely be out of town on vacations or weekend trips during the summer for part of that time. It is likely that you will only have about 10 to 12 weeks a year when you can use it AND are in town. Public ou...
by UALflyer
Tue May 03, 2016 7:52 pm
Forum: Personal Consumer Issues
Topic: New A/C for Florida Military Rental
Replies: 15
Views: 1717

Re: New A/C for Florida Military Rental

If you ever intend to live there, I would definitely recommend a variable speed fan and compressor for comfort and operating cost considerations, even though it will cost a bit more up front. I would think long and hard about multi-stage variable speed units. It is absolutely true that they can (bu...
by UALflyer
Mon May 02, 2016 7:42 am
Forum: Personal Consumer Issues
Topic: New A/C for Florida Military Rental
Replies: 15
Views: 1717

Re: New A/C for Florida Military Rental

I don't think a "better" brand/model is necessarily more reliable, as it is possibly more complex. And a lot has to do with the initial installation. That's exactly right. A variable/multi-speed system, for instance, is significantly more complex and installation sensitive, which means no...
by UALflyer
Sat Apr 30, 2016 3:40 pm
Forum: Personal Consumer Issues
Topic: New A/C for Florida Military Rental
Replies: 15
Views: 1717

Re: New A/C for Florida Military Rental

Thanks for your feedback. Our current plan is to keep the house as a rental (paid off in 12 years) so we would like to purchase a reliable unit properly sized and priced. Wolverine90 I just noticed this supplemental post. For a rental property, particularly if it's a somewhat lower end one (I don't...
by UALflyer
Sat Apr 30, 2016 3:27 pm
Forum: Personal Consumer Issues
Topic: New A/C for Florida Military Rental
Replies: 15
Views: 1717

Re: New A/C for Florida Military Rental

I'd find a different contractor. They're quoting you the bottom of the line Lennox systems (personally, if you're going with Lennox and aren't expecting to immediately sell the house, I'd go with its Elite line, which is mid tier) and are charging an absolutely insane price for it. Further, the prop...
by UALflyer
Wed Mar 23, 2016 4:09 pm
Forum: Personal Consumer Issues
Topic: How to select good contractors. Angie's list has changed.
Replies: 33
Views: 6964

Re: How to select good contractors. Angie's list has changed.

By having a $60 yearly subscription fee Angieslist was able to ensure that service providers wouldn't be able to overwhelm them with fake reviews. If it's true that anyone will be able to write reviews on AL, you can forget about getting anything near objective information. There are plenty of ways...
by UALflyer
Wed Mar 23, 2016 8:15 am
Forum: Personal Consumer Issues
Topic: Dishwasher recommendation.
Replies: 44
Views: 4339

Re: Dishwasher recommendation.

There are two types of dishwasher owners. Those with a Bosch and those who are tolerate loud machines which don't clean their dishes. It's up to you which you intend to be We recently replaced our Kitchenaid dishwasher with a Bosch 800. Frankly, the cleaning prowess is about the same, which means t...
by UALflyer
Wed Mar 23, 2016 7:47 am
Forum: Personal Consumer Issues
Topic: How to select good contractors. Angie's list has changed.
Replies: 33
Views: 6964

Re: How to select good contractors. Angie's list has changed.

The problem with asking friends and neighbors, which I do regularly, is that those referrals are only reliable if the person knows enough to distinguish between good and bad contractors, as well as reasonable and unreasonable pricing. Time and time again I've been referred to handymen and plumbers w...
by UALflyer
Sun Feb 14, 2016 6:00 pm
Forum: Personal Consumer Issues
Topic: generator [Thinking about a generator]
Replies: 38
Views: 3290

Re: generator

I can't justify paying $6K-$12K for something that will only be used intermittently and that I may need to replace/rebuild after 10 years. I have never heard of permanently installed natural gas generators that have to be replaced/rebuilt every 10 years. With minimal maintenance, they last virtuall...
by UALflyer
Sun Feb 14, 2016 5:56 pm
Forum: Personal Consumer Issues
Topic: generator [Thinking about a generator]
Replies: 38
Views: 3290

Re: generator

Remember there is maintenance. The installer (an electrician shop) charges about $780/year. What in the world do they do for that? We have a huge whole house natural gas powered permanently installed generator, which powers multiple a/c systems, etc... The only maintenance that it requires is an oi...
by UALflyer
Tue Jan 12, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: New air conditioner
Replies: 8
Views: 1413

Re: New air conditioner

I would submit to you that before your submission in that thread, however, no one suggested single speed over variable speed due to reliability/issues. Sure, and if you create a thread on investing on an HVAC forum, you'll get similarly low quality responses. As I mentioned above, BH is a terrific ...
by UALflyer
Tue Jan 12, 2016 10:34 am
Forum: Personal Consumer Issues
Topic: New air conditioner
Replies: 8
Views: 1413

Re: New air conditioner

OP, please note that valuethinker's comments above primarily reflect his own thoughts as opposed to the "consensus." In fact, this board, although generally great, is not particularly well suited to a discussion of air conditioning issues, as the vast majority of the posters are just resta...
by UALflyer
Tue Jan 05, 2016 1:27 pm
Forum: Personal Consumer Issues
Topic: Replacement air conditioner
Replies: 46
Views: 3249

Re: Replacement air conditioner

The reason the freon is costing you so much is because it's been phased out - you won't even be able to get it soon. It's a terrible thing to do to the environment, to knowingly be leaking freon into the ozone layer. This is one of the reasons freon was replaced in the first place - it was cheaper ...
by UALflyer
Tue Jan 05, 2016 1:02 pm
Forum: Personal Consumer Issues
Topic: Replacement air conditioner
Replies: 46
Views: 3249

Re: Replacement air conditioner

For those of you having trouble locating the energystar.gov calculator on its website, google "seer savings calculator," which will be the third listing on that page. I can't figure out how to link directly to that page, as it requires you to download the Excel version of the calculator, b...
by UALflyer
Tue Jan 05, 2016 7:58 am
Forum: Personal Consumer Issues
Topic: Replacement air conditioner
Replies: 46
Views: 3249

Re: Replacement air conditioner

Unless you live in a very high AC area (a desert, say; or a humid swamp) then these calculations are no doubt correct. As I mentioned above, this publically accessible official government calculator takes into account the number of cooling hours associated with a particular city and state, so the c...
by UALflyer
Tue Jan 05, 2016 7:40 am
Forum: Personal Consumer Issues
Topic: Replacement air conditioner
Replies: 46
Views: 3249

Re: Replacement air conditioner

Fair points - living in DFW area in Texas I tend to forget most folks can get by with a single HVAC. The fact that we're discussing replacing a single a/c does not tell you how many a/c's each house has. In our case, we have 5 a/c's, but the calculations are always done on a per unit basis, as it i...
by UALflyer
Mon Jan 04, 2016 8:01 pm
Forum: Personal Consumer Issues
Topic: Replacement air conditioner
Replies: 46
Views: 3249

Re: Replacement air conditioner

In Texas some of our neighbors with builder grade ac units have $ 700-800 electric bills in the summer, while ours is 200. This isn't possible. I just ran a comparison on energystar.gov's website (the official federal government website) and, in Texas even if you have a massive 5 ton 20 SEER unit, ...
by UALflyer
Mon Jan 04, 2016 6:54 pm
Forum: Personal Consumer Issues
Topic: Replacement air conditioner
Replies: 46
Views: 3249

Re: Replacement air conditioner

In Texas some of our neighbors with builder grade ac units have $ 700-800 electric bills in the summer, while ours is 200. This isn't possible. I just ran a comparison on energystar.gov's website (the official federal government website) and, in Texas even if you have a massive 5 ton 20 SEER unit, ...
by UALflyer
Mon Jan 04, 2016 6:45 pm
Forum: Personal Consumer Issues
Topic: Replacement air conditioner
Replies: 46
Views: 3249

Re: Replacement air conditioner

On SEER I'd "reach" for 15/16 if you can. You are only going to do this once, and electricity never gets any cheaper. Standards will only get tighter over time. This should not be a difficult reach if you get a new system with a two stage compressor. We put in a 4-ton heat pump with 2-sta...
by UALflyer
Mon Jan 04, 2016 6:31 pm
Forum: Personal Consumer Issues
Topic: Replacement air conditioner
Replies: 46
Views: 3249

Re: Replacement air conditioner

Contrary to what a lot of posters above have advised, I would think long and hard about multi-stage variable speed units. It is absolutely true that they can increase your comfort by reducing humidity in the summer and minimizing temperature fluctuations, but there are also a number of downsides. Th...
by UALflyer
Thu Nov 05, 2015 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Math is Hard - HSA vs HRA/PPO
Replies: 18
Views: 2943

Re: Math is Hard - HSA vs HRA/PPO

There are people out there who, when presented with a question of "HDHP vs. PPO" do not realize that in that context "PPO" is referring to a non-HDHP PPO? What do they think it means? It's a genuine question on my part. What are some of the better terms that you've seen used that...
by UALflyer
Thu Nov 05, 2015 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Math is Hard - HSA vs HRA/PPO
Replies: 18
Views: 2943

Re: Math is Hard - HSA vs HRA/PPO

So, although an HDHP can certainly be a PPO type plan, the term "PPO" is typically used to distinguish between HDHP's and non-HDHP non-HMO plans. I know it gets used this way a lot, but it's obviously incorrect. If two objects are red, and one is square and one is round, it would be very ...

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