Search found 135 matches

by UALflyer
Thu Feb 22, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: $12,000 Refrigerator? [Looking in $7k price range]
Replies: 66
Views: 6758

Re: $12,000 Refrigerator? [Looking in $7k price range]

Do built-in units really perform better and more reliably? Isn't it just something as simple as making sure the unit is pulled out far enough from the wall for efficient cooling? Just like with everything else out there, there have been bad built-in refrigerators out there, but in general, they do ...
by UALflyer
Thu Feb 22, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: $12,000 Refrigerator? [Looking in $7k price range]
Replies: 66
Views: 6758

Re: $12,000 Refrigerator? [Looking in $7k price range]

yep, a quick look over at the CR website has their "recommended" pick of standard fridges starting at $1500 (depending on design) the top-rated "recommended" built-ins are closer to $9000. so my answer is "design the kitchen to use standard appliances" - NO built-ins. The vast majority of the popul...
by UALflyer
Wed Feb 21, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: $12,000 Refrigerator? [Looking in $7k price range]
Replies: 66
Views: 6758

Re: $12,000 Refrigerator? [Looking in $7k price range]

Could the OP maybe describe what features this 12k fridge has compared to a more 'normal' choice - I am curious what innovations there have been in the fridge world..... As I mentioned above, the refrigerators are not interchangeable, but since you are curious, I can describe the differences. Built...
by UALflyer
Wed Feb 21, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: $12,000 Refrigerator? [Looking in $7k price range]
Replies: 66
Views: 6758

Re: $12,000 Refrigerator? [Looking in $7k price range]

It's unfortunate that so many people have posted in this thread without knowing anything about the considerations that go into this decision. For an existing kitchen, there isn't a single person out there who is deciding between a 1K refrigerator and a $12K refrigerator, so the comparison to expensi...
by UALflyer
Fri Feb 09, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Should having a brand new roof lower home insurance premium?
Replies: 26
Views: 1149

Re: Should having a brand new roof lower home insurance premium?

The average roofing company is only in business something like 5-7 years, so all those "30 year warranties" are fairly meaningless, unless you find a company that's been in the business for a long time, and seems to have a good future. The 30 year warranties to which you are referring (which, for 3...
by UALflyer
Fri Feb 09, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Should having a brand new roof lower home insurance premium?
Replies: 26
Views: 1149

Re: Should having a brand new roof lower home insurance premium?

I reduced our coverage that State Farm initially suggested by about $60,000, and was STILL about $50,000 higher than the highest coverage suggestion I got from other insurers. I am comfortable that the total coverage we have would pay for the cost of replacing the home. Whether you are comfortable ...
by UALflyer
Fri Feb 09, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Should having a brand new roof lower home insurance premium?
Replies: 26
Views: 1149

Re: Should having a brand new roof lower home insurance premium?

they had what I believe to be FAR too much replacement coverage This is a very common complaint from people. Keep in mind that as a homeowner, you generally have no way of knowing how much it would cost to rebuild your house, and that the cost to rebuild has very little to do with its fair market v...
by UALflyer
Fri Feb 09, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Should having a brand new roof lower home insurance premium?
Replies: 26
Views: 1149

Re: Should having a brand new roof lower home insurance premium?

the argument could be the premium should go up because a property with a new roof is more valuable. This is incorrect. Insurance companies do not care about the fair market value of your property. They care about their cost to rebuild. Replacing a 1 year old roof costs the same as replacing a 20 ye...
by UALflyer
Fri Feb 09, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Should having a brand new roof lower home insurance premium?
Replies: 26
Views: 1149

Re: Should having a brand new roof lower home insurance premium?

A hail resistant roof - class 4 shingles - can get you a discount from certain insurers in certain states. Correct. A new roof is just as easily damaged as an old roof by wind or hail, so it won't change the premium. That's not entirely correct. As shingles age, they become brittle, and become more...
by UALflyer
Thu Feb 01, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: Certified Used BMW, Audi or Mercedes
Replies: 53
Views: 3931

Re: Certified Used BMW, Audi or Mercedes

Porsches are known to be the most reliable of the German brands. These are the exact types of statements that people should never be using or relying on when buying a car. A number of Porsche years and models, for instance, have an issue with the rear main seal. Replacing the seal requires you to r...
by UALflyer
Tue Jan 30, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Certified Used BMW, Audi or Mercedes
Replies: 53
Views: 3931

Re: Certified Used BMW, Audi or Mercedes

JD Power says the Koreans are most reliable. MB is above average. Lexus and Toyota are average. Audi is appalling. http://d1arsn5g9mfrlq.cloudfront.net/sites/default/files/2017085a.jpg This chart is as useless as one gets, as it is an initial quality study, which shows problems reported in the firs...
by UALflyer
Tue Jan 30, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: Certified Used BMW, Audi or Mercedes
Replies: 53
Views: 3931

Re: Certified Used BMW, Audi or Mercedes

As far as I can see, Lexus CPO looks like exclusion warranty. Lexus' CPO warranty, is exclusionary warranty (although it is still less comprehensive than the original 4 year warranty), as it excludes, for instance, vacuum hoses, lines and tubes, heating hoses, batteries, body panels and hinges, car...
by UALflyer
Tue Jan 30, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: Certified Used BMW, Audi or Mercedes
Replies: 53
Views: 3931

Re: Certified Used BMW, Audi or Mercedes

Lexus lets you buy an 8 year CPO bumper-to-bumper extended warranty for about $3000-$4000. (It's basically a complete extension of the new car warranty). Doesn't look like it. Here is a link to Lexus' certified vehicle service agreement, which is an optional extended warranty that you can purchase ...
by UALflyer
Mon Jan 29, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: Certified Used BMW, Audi or Mercedes
Replies: 53
Views: 3931

Re: Certified Used BMW, Audi or Mercedes

It's been several years, so this may not be up to date, but for me: Mercedes "A" oil change: $450. Mercedes "B" oil change $250. Independent mechanic: $350/$175 respectively. My Mercedes had "check" light sensors going off all the time. Usually all minor issues, but annoying nonetheless. The center...
by UALflyer
Mon Jan 29, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Certified Used BMW, Audi or Mercedes
Replies: 53
Views: 3931

Re: Certified Used BMW, Audi or Mercedes

Lexus lets you buy an 8 year CPO bumper-to-bumper extended warranty for about $3000-$4000. (It's basically a complete extension of the new car warranty). Doesn't look like it. Here is a link to Lexus' certified vehicle service agreement, which is an optional extended warranty that you can purchase ...
by UALflyer
Thu Dec 14, 2017 8:01 am
Forum: Personal Finance (Not Investing)
Topic: State Farm Insurance, Time to Leave
Replies: 63
Views: 6658

Re: State Farm Insurance, Time to Leave

I have had all of my insurance with State Farm for at least 30 years. Right now that is 6 cars, Homeowners, umbrella, 3 rental properties, personal articles, tractor, camping trailer, and DW's consulting business. About 9 years ago our house burned down while it was up for sale. I thought SF was be...
by UALflyer
Wed Dec 13, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 FEHB HDHP Recommendations
Replies: 53
Views: 5120

Re: 2018 FEHB HDHP Recommendations

And much of this is usable even with an HDHP. The government allows employees with an HDHP to set up a limited expense FSA, which covers dental and vision only, but these are most of the FSA-eligible expenses for healthy people. Sure, you can set up a limited expense FSA to cover dental and vision ...
by UALflyer
Wed Dec 13, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: 2018 FEHB HDHP Recommendations
Replies: 53
Views: 5120

Re: 2018 FEHB HDHP Recommendations

I am giving a presentation to the DC Bogleheads on a related topic, so I redid my comparisons for FEHB HDHPs versus conventional, and the HDHP is almost a guaranteed winner (as long as you won't be deterred from seeking necessary care due to the potential bills). I use GEHA in this comparison, as i...
by UALflyer
Tue Dec 12, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless: What are the gotchas?
Replies: 38
Views: 2341

Re: Cricket Wireless: What are the gotchas?

Any current Cricket Wireless users care to comment on your experiences versus AT&T, Sprint, Verizon, etc.? What are the gotchas? How can they offer pricing so much lower than the big name carriers? 1) Need to buy your phone at full price upfront or BYOD 2) Speed throttled to 8mbps unless you’re on ...
by UALflyer
Tue Dec 12, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless: What are the gotchas?
Replies: 38
Views: 2341

Re: Cricket Wireless: What are the gotchas?

Any current Cricket Wireless users care to comment on your experiences versus AT&T, Sprint, Verizon, etc.? What are the gotchas? How can they offer pricing so much lower than the big name carriers? 1) Need to buy your phone at full price upfront or BYOD 2) Speed throttled to 8mbps unless you’re on ...
by UALflyer
Tue Dec 12, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: 2018 FEHB HDHP Recommendations
Replies: 53
Views: 5120

Re: 2018 FEHB HDHP Recommendations

as long as you won't be deterred from seeking necessary care due to the potential bills This is an absolutely enormous issue for the HDHP's. If you break a leg, of course you'll seek medical care regardless of whether you have an HDHP, but there are quite a few serious and even deadly medical condi...
by UALflyer
Tue Dec 12, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: 2018 FEHB HDHP Recommendations
Replies: 53
Views: 5120

Re: 2018 FEHB HDHP Recommendations

I am giving a presentation to the DC Bogleheads on a related topic, so I redid my comparisons for FEHB HDHPs versus conventional, and the HDHP is almost a guaranteed winner (as long as you won't be deterred from seeking necessary care due to the potential bills). I use GEHA in this comparison, as i...
by UALflyer
Wed Aug 30, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 91
Views: 8015

Re: Bosch dishwasher?

I am not talking about the sound of water in the pipes. I am talking specifically about the sound of the dishwasher draining itself or filling up itself, which is clearly audible for all but the deaf. Interesting. We've had an equivalent tier Bosch since its purchase in late 2006. One can (barely) ...
by UALflyer
Wed Aug 30, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 91
Views: 8015

Re: Bosch dishwasher?

We own a mid-range Bosch as well (Ascenta model). The Ascenta is Bosch's entry level model, followed by the 300 series, then the 500 series, then the 800 series, and then the Benchmark series. Thermador, which is owned by Bosch, is the luxury line. http://dishwashers.reviewed.com/features/whats-the...
by UALflyer
Wed Aug 30, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 91
Views: 8015

Re: Bosch dishwasher?

We have a Bosch 800 at home, and we put Bosch Ascenta in our rentals. The Bosch Ascenta (the lowest end Bosch model) is 50db, which, by today's standards, is nothing special and is not very quiet. It's not full stainless steel, which makes its condensation drying even less effective than it already...
by UALflyer
Wed Aug 30, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 91
Views: 8015

Re: Bosch dishwasher?

I trust the CR reliability stats more than their actual reviews. I have been a CR subscriber for dozens of years, and do look at their reliability stats, but you have to take them with a huge grain of salt. Time and time again, for instance, I have seen them rate two models of the exact same produc...
by UALflyer
Wed Aug 30, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 91
Views: 8015

Re: Bosch dishwasher?

We have a Bosch 800 at home, and we put Bosch Ascenta in our rentals. The Bosch Ascenta (the lowest end Bosch model) is 50db, which, by today's standards, is nothing special and is not very quiet. It's not full stainless steel, which makes its condensation drying even less effective than it already ...
by UALflyer
Thu Aug 17, 2017 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund in Taxable... ok for me?
Replies: 27
Views: 2256

Re: Bond Fund in Taxable... ok for me?

welderwannabe wrote:
Thu Aug 17, 2017 10:13 am
My statements were directed solely to current yields after taxes are factored in. It was not meant to be an assessment of all risks of the investment, such as interest rate/duration risk, credit risk etc.
Fair enough. We are on the same page then.
by UALflyer
Thu Aug 17, 2017 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund in Taxable... ok for me?
Replies: 27
Views: 2256

Re: Bond Fund in Taxable... ok for me?

Right now, in high tax brackets muni funds are only a winner if you completely disregard the tax rate risk, which you should not do. If tax rates decline, which is likely, the tax adjusted yield of the muni funds will suddenly decline and they will drop in price. Hence, the reason that in this clim...
by UALflyer
Thu Aug 17, 2017 7:17 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund in Taxable... ok for me?
Replies: 27
Views: 2256

Re: Bond Fund in Taxable... ok for me?

Tax-efficient Fund Placement Enhancing Returns Tax-deferred generally gives the portfolio a better return when used for bonds. A Roth is a good alternative for bonds if low cost funds are unavailable in TD. As others have posted, it all depends on the reason that you have bonds in your portfolio in...
by UALflyer
Thu Aug 17, 2017 7:04 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund in Taxable... ok for me?
Replies: 27
Views: 2256

Re: Bond Fund in Taxable... ok for me?

I'm considering bond funds in taxable as well. I have had both state muni and federal muni up until now. The federal muni (i.e. VMLUX) has pretty poor performance relative to BND, so I'm trying to figure out why not use BND instead of VMLUX. My state muni performs pretty well compared to BND, but I...
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: 6565

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: 1816

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: 1816

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: 1816

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 Condit...
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: 2831

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: 2831

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: 2831

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: 7143

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: 1462

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: 1462

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: 1462

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: 1462

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: 1462

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: 1462

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: 2188

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: 2504

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 Freddie ...
by UALflyer
Sun Nov 27, 2016 11:56 am
Forum: Personal Finance (Not Investing)
Topic: No Appraisal Refinance
Replies: 23
Views: 2504

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: 2504

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: 3247

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...