Search found 1030 matches

by just frank
Wed Mar 29, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: Eyeglasses Problem - how to fix? Any Opticians Out There?
Replies: 30
Views: 2665

Re: Eyeglasses Problem - how to fix? Any Opticians Out There?

Go to a different outfit that knows what they are doing. In addition to your self-assess of you issues (re the line being to high) I would mention that the tunnel vision effect is from too much 'add'. Add is the difference between the two prescriptions. If you like your old lenses, try to use the sa...
by just frank
Wed Mar 29, 2017 8:35 pm
Forum: Investing - Theory, News & General
Topic: Bankruptcy of Westinghouse Electric
Replies: 6
Views: 1040

Re: Bankruptcy of Westinghouse Electric

Nothing wrong with current nuclear tech except the price is too high.... And the current fuel cycle is kinda inefficient with the U.... And Breeders are super expensive and more technically challenging than boosters claim. Wind and Solar (and soon storage) is where's its at. Cheap. Plentiful. Power.
by just frank
Wed Mar 29, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: Home Energy Audit recommended actions: 28.4 year payback period??
Replies: 22
Views: 1440

Re: Home Energy Audit recommended actions: 28.4 year payback period??

Attic airsealing is easy DIY, and has great comfort 'payback'. I did mine. Google is your friend on the how-to, there are a number of good guides out there. My advice...get a $20 valved respirator and skip the paper mask. Get a powered caulking gun or a foam gun (rather than the can-straw deals). Wa...
by just frank
Wed Mar 29, 2017 5:51 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 126
Views: 8855

Re: Tesla Model 3 or Chevy Bolt?

$20,000 per tonne? The above chart shows $7,000 And with these prices it still does not deter EV manufacturers to stop. Well what if it goes to $100,000/tonne? The answer: a 'Global Lithium Rush' in many locations around the world, a boost in production, and a crash in the price back to a more reas...
by just frank
Wed Mar 29, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: Prius Prime Looks Interesting...Price is Very Attractive
Replies: 24
Views: 3891

Re: Prius Prime Looks Interesting...Price is Very Attractive

Do we even know whether Federal tax credits will be available if a plug-in vehicle is purchased in 2017? Isn't there a possibility that a "tax overhaul" would remove or limit these credits? The future is of course hard to predict, but since the tax credits are capped in number (phasing ou...
by just frank
Wed Mar 29, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: Home Energy Audit recommended actions: 28.4 year payback period??
Replies: 22
Views: 1440

Re: Home Energy Audit recommended actions: 28.4 year payback period??

The fact is that energy is extraordinarily cheap and infrastructure improvement is extraordinarily expensive. The only actually effective way to significantly improve the energy efficiency of the current housing stock is to tear down most of it and replace it with new construction, at prohibitive c...
by just frank
Wed Mar 29, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Home Energy Audit recommended actions: 28.4 year payback period??
Replies: 22
Views: 1440

Re: Home Energy Audit recommended actions: 28.4 year payback period??

Let me guess....you have natural gas heat, and your heating bill for a year is quite modest. Typically this sort of work will net 20-30% savings on your heating and AC bill. If the latter is small to begin with due to cheap fuel...your payback suffers. What do you spend on heat and AC in year? I had...
by just frank
Wed Mar 29, 2017 8:43 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3400
Views: 863070

Re: U.S. stocks in freefall

Roothy wrote:That chart has a logarithmic y-axis. So the return advantage from all-stocks is actually quite a bit better than this looks.


Indeed. By my reading, about 10% over 40 years. Or 0.25%/year.
by just frank
Tue Mar 28, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: Our technology is old...advice on upgrading...
Replies: 53
Views: 3109

Re: Our technology is old...advice on upgrading...

Disagree. My MacBook Pro is 5 years old, completely 'up to date', and only cost $1000. And quite preferable to 2 (or 2.5) 'Dells'.
by just frank
Tue Mar 28, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: risk of my Tesla deposit
Replies: 147
Views: 10192

Re: risk of my Tesla deposit

Elon Musk has made some lofty claims about Tesla future production. As someone who has forked over my $1000 deposit, I hope he's even half right. "Musk reiterated that Tesla thinks it can build 500,000 total cars next year" "Tesla would need to build about 430,000 Model 3s by the end...
by just frank
Tue Mar 28, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 126
Views: 8855

Re: Tesla Model 3 or Chevy Bolt?

So do you want me to believe you or believe the chart below? http://i.hizliresim.com/9QdbZo.jpg I guess it depends on where the chart goes on the right side? Do you know? How? Do you have a real $ chart? Also, the price does not appear to have risen 7-fold (nominal) in the last 5 years....?
by just frank
Tue Mar 28, 2017 4:16 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 126
Views: 8855

Re: Tesla Model 3 or Chevy Bolt?

Currently the best and most efficient batteries are made up of Lithium and plus another material The problem is there is not enough Lithium in the world to convert all cars to electric cars. Right now, lithium prices are 7x the price 5 years ago and keeps going up. Because there is too much demand ...
by just frank
Sun Mar 26, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: Our technology is old...advice on upgrading...
Replies: 53
Views: 3109

Re: Our technology is old...advice on upgrading...

I start budgeting to replace iPhones at 2 years, and replace at 3 years. iPads are budgeted at 3 years, replaced at 4. We downsized the pad as the phones got bigger. MacBooks are budgeted for replacement at 5 years, and replaced at 6 or 7. Might refresh the memory or battery half-way. I also replace...
by just frank
Sun Mar 26, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 126
Views: 8855

Re: Tesla Model 3 or Chevy Bolt?

a wrote:Interesting vignettes Valuethinker, thanks.
I admire your broad and detailed knowledge of human affairs.


ditto. :)
by just frank
Thu Mar 23, 2017 5:30 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 126
Views: 8855

Re: Tesla Model 3 or Chevy Bolt?

I took the 90% use case to mean today at current costs with existing infrastructure. With improvements, the use cases expand, but gradually. Exactly about the timeline. That timeline of a couple of decades is more modest, but I don't think we'll see 20% new cars produced BEV+PHEV in 2025. I'd guess...
by just frank
Wed Mar 22, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 126
Views: 8855

Re: Tesla Model 3 or Chevy Bolt?

I suppose the dissent is in the timeline. All I'll point re that is that adoption is typically an 'S' curve that is exponential in the beginning, linear in the middle and asymptotic in the end. If you believe BEVs will get well over 50% ultimately, you might expect it to remain exponential up to 20%...
by just frank
Wed Mar 22, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 126
Views: 8855

Re: Tesla Model 3 or Chevy Bolt?

Chevy Bolts are already seeing big discounts: http://autoweek.com/article/green-cars/chevrolet-dealers-pricing-bolt-sell-meaning-markups-and-discounts There might be some good deals out there for anyone interested. I'm sorry to see such a half-hearted launch by Chevy. The more EVs there are, the be...
by just frank
Mon Mar 20, 2017 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Refi in Dallas - Are these fees/rates reasonable?
Replies: 2
Views: 165

Re: Refi in Dallas - Are these fees/rates reasonable?

clutchied wrote:looks ok. That admin fee sticks out... Looks like origination by another name.

Someone said they're not doing good faith estimates anymore but there's something else now.


rate looks current as well.


I got a GFE in a refi about 3 mos ago.
by just frank
Sun Mar 19, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: cost of Solar Power
Replies: 95
Views: 6249

Re: cost of Solar Power

^ ^ ^ Agreed. I am 100 miles north of Maryland, and my roof might have snow on it 2-4 weeks a year. And Dec and January are the cloudy seasons anyway, with little solar input, so this is already effectively factored into the 1200-1300 hours of nominal output per year for the mid-Atlantic area. If y...
by just frank
Sun Mar 19, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: cost of Solar Power
Replies: 95
Views: 6249

Re: cost of Solar Power

^ ^ ^ Agreed. I am 100 miles north of Maryland, and my roof might have snow on it 2-4 weeks a year. And Dec and January are the cloudy seasons anyway, with little solar input, so this is already effectively factored into the 1200-1300 hours of nominal output per year for the mid-Atlantic area.
by just frank
Sat Mar 18, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 169
Views: 14139

Re: "Millionaire Next Door" Net Worth Formula

The wife and I average out to 50 years old, and we are about 30% behind the formula. This jibes with where we think we are...a bit behind, better off than an awful lot of folks. 8-)
by just frank
Sat Mar 18, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: cost of Solar Power
Replies: 95
Views: 6249

Re: cost of Solar Power

How long will this all take? Not 5 years for sure. But unlikely to be 25 years, either. Just to clarify, my bold prediction wasn't so bold as to claim electricity will be too cheap to meter in 5 years. My prediction is that net-metering will likely be unavailable for new rooftop solar installations...
by just frank
Thu Mar 16, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: Prius Prime Looks Interesting...Price is Very Attractive
Replies: 24
Views: 3891

Re: Prius Prime Looks Interesting...Price is Very Attractive

If you **need** the gas functionality for the occasional long trip and you like how the Prius drives, then yeah, you could do worse than the Prime. Have you test driven yet? Myself, I have a second larger car for roadtrips, and prefer the handling of a pure EV (no ICE). The next generation Nissan LE...
by just frank
Thu Mar 16, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: Quiet Bedroom overhead fan
Replies: 25
Views: 1398

Re: Quiet Bedroom overhead fan

My problem was even when properly balanced, all fans tend to **hum** even on low speed.

I've had good luck with aeratron: https://aeratronfans.com/shop/ae3/

Their DC and when properly balanced there is no sound but air, and on med to low you can't even hear that.
by just frank
Sat Mar 11, 2017 10:35 am
Forum: Personal Consumer Issues
Topic: cost of Solar Power
Replies: 95
Views: 6249

Re: cost of Solar Power

Thanks @madbrain. I was trying to provide a brief and understandable answer to the OP in Maryland who was asking for a rough estimate, using the solar resource in the mid-Atlantic area and assuming a favorable site. I will leave the details to those bidding his install who get to see his location. E...
by just frank
Sat Mar 11, 2017 6:23 am
Forum: Personal Consumer Issues
Topic: cost of Solar Power
Replies: 95
Views: 6249

Re: cost of Solar Power

Here is a good site, which aggregates national numbers... http://solar-power-now.com/cost-of-solar/ Looks like solar PV in the US in 2017 is $3/Watt pre-incentives, and $2/W post incentives. Say $2k per kW of panel Energy production per year is probably 1100-1300 hours times nameplate capacity....so...
by just frank
Fri Mar 10, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: Sizing a ductless min-split for basement
Replies: 58
Views: 2741

Re: Sizing a ductless min-split for basement

The important point here is whether the basement is 1000 sq ft, where the 9kBTU is oversized, or 2400 sq ft, in which case it is probably just adequate.

Perhaps the OP could provide the actual dimensions?
by just frank
Thu Mar 09, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: Sizing a ductless min-split for basement
Replies: 58
Views: 2741

Re: Sizing a ductless min-split for basement

Ya, cost difference between the 9 and 12K are insignificant, so really want to go with what's appropriate - given this, would you do 9 or 12? :) If the cost difference doesn't matter....get the 12. You will get cold enough sometimes to really limit its BTU output...and then the 12 will put out more...
by just frank
Thu Mar 09, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Sizing a ductless min-split for basement
Replies: 58
Views: 2741

Re: Sizing a ductless min-split for basement

This is amazing. So many thanks. But now you've really got me, do I go with the 9K or 12K? Assume a 60x40 area with 6' below grade and 2' above grade (rim joists). That is larger than my area but should be good to get a rough idea. Big basement. OK. LEt's say the ground freezes down to 2' so thats ...
by just frank
Thu Mar 09, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: Sizing a ductless min-split for basement
Replies: 58
Views: 2741

Re: Sizing a ductless min-split for basement

I'd still say its impossible to estimate over the 'net....are the walls insulated or not, to what R-value. Are the rims and sill sealed, insulated? Is the slab insulated, or not, R-value? The first two are more important than the last one. Unfinished and walls will be 2" of R5 so total R10 and...
by just frank
Thu Mar 09, 2017 7:19 am
Forum: Personal Consumer Issues
Topic: Sizing a ductless min-split for basement
Replies: 58
Views: 2741

Re: Sizing a ductless min-split for basement

I'd still say its impossible to estimate over the 'net....are the walls insulated or not, to what R-value. Are the rims and sill sealed, insulated? Is the slab insulated, or not, R-value? The first two are more important than the last one.
by just frank
Tue Mar 07, 2017 6:17 am
Forum: Personal Consumer Issues
Topic: Are Fiat Cars Junk?
Replies: 71
Views: 4772

Re: Are Fiat Cars Junk?

You can get a used Nissan LEAF for <$10k too. And it would be a fun driving, reliable commuter car if your use case is <50 miles round trip. And its got 5 seats, a lot of cargo space and has NO oil changes, engine, transmission, fuel system or exhaust system. The only maintenance items are rubber: t...
by just frank
Tue Mar 07, 2017 6:08 am
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 5887

Re: Camry Redesign

And none of these is what you want for a hybrid. What a hybrid needs is high power density and high number of cycles. Weight is far less important. A Tesla S runs a 300kW motor from a 60kWhr battery. At full load the motor could would discharge the battery in 12 minutes. A Prius runs a 60kW motor f...
by just frank
Mon Mar 06, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 5887

Re: Camry Redesign

The other Prius models use older NiMH technology for the battery, which in 2017 looks like a dinosaur compared to the rapidly improving, now cheaper and superior Lithium technologies. In 2017 NiMH will look like it does now, a proven technology that has a good chance of lasting the life of the car....
by just frank
Mon Mar 06, 2017 5:11 am
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 5887

Re: Camry Redesign

If you look at the Prius, you should ask about the Plug-in Prius Prime. With EV incentives, it can often be cheaper to buy than other Prii. And you can (if you plug it in at home) do a lot of your miles on pure electric, while still having the long-range and mpg of the Prius drivetrain. Given the ri...
by just frank
Sun Mar 05, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Replace gas water heater with electric?
Replies: 40
Views: 2771

Re: Replace gas water heater with electric?

Agree with @jharkin. The issue with natural vent gas WHs is that there is a flue up the middle, where the hot gas combustion gases pass to heat the water. In a naturally vented unit that is open to the space when the unit is not firing...so you can insulate the outside as much as you want...but the ...
by just frank
Sun Mar 05, 2017 6:55 am
Forum: Personal Consumer Issues
Topic: Downsides to Living in Same Neighborhood Entire Life?
Replies: 17
Views: 1772

Re: Downsides to Living in Same Neighborhood Entire Life?

I really thought I liked the area and people where I grew up, until I moved 1000 miles for college. Now where I grew up is a fun area to visit for beach vacations (and to catch up with old friends and family) but I would _never_ want to live there.
by just frank
Sun Mar 05, 2017 6:42 am
Forum: Personal Consumer Issues
Topic: Replace gas water heater with electric?
Replies: 40
Views: 2771

Re: Replace gas water heater with electric?

It's sounding to me as if everybody in south Florida should switch to HP water heaters, basically free water heating for the same energy cost as air-conditioning. Ralph From a run cost perspective, yes. Just need to find a large space for one where noise is not an issue, and in most of florida ther...
by just frank
Sat Mar 04, 2017 9:25 am
Forum: Personal Consumer Issues
Topic: Replace gas water heater with electric?
Replies: 40
Views: 2771

Re: Replace gas water heater with electric?

I have a question about the heat pump style electric water heaters that perhaps someone can answer. As I understand, they harvest the heat from within the house and my question is where does this heat come from? In winter, this heat needs to be replaced by the heating system (unless it is in an unh...
by just frank
Fri Mar 03, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Replace gas water heater with electric?
Replies: 40
Views: 2771

Re: Replace gas water heater with electric?

I have had a 80 gallon HP water heater in my attached garage for 4 years, and love it. These units are now onto their second generation, and have gotten even better efficiency numbers. You should look for the EF numbers, higher is better. A regular electric tank is about ~0.90 (10 % of electrical en...
by just frank
Thu Mar 02, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Climate and happiness revisited
Replies: 111
Views: 6601

Re: Climate and happiness revisited

Easy...move to Philly. Far enough North that you get 4 seasons, but the winter is mild. We get some snow but it melts in a couple days. I've lived in Boston, Chicago and LA, but Philly has the best weather hands down. You get big city amenities at some of the cheapest RE prices on the East Coast. An...
by just frank
Wed Mar 01, 2017 5:54 am
Forum: Personal Consumer Issues
Topic: Reinforcing plastic handle (call to any material scientists)
Replies: 17
Views: 1030

Re: Reinforcing plastic handle (call to any material scientists)

Buy JBWeld epoxy suitable for bonding plastic, and lay down a few layers to thicken the part where it is showing incipient cracking/fatigue. You can put something in the JB weld (like a scrap of fiberglass screening) if you want.

Sugru is great stuff...but IMO too soft for this application.
by just frank
Tue Feb 28, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Market Cycle Psychology
Replies: 23
Views: 1665

Re: Market Cycle Psychology

Not to get political, but it is clear that a significant subset of investors just reached 'optimism'.

Some other investors were until recently stuck at 'hope'. :D

This market has a bit more room to run.
by just frank
Tue Feb 28, 2017 7:08 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 5046

Re: Don't pay full price for cable TV

Sometimes this works, sometimes it doesn't. When I called my company and wanted to reduce my service, they put me on hold for 2 hours and then said my monthly charge would double. When I said I would cancel my service, they said: 'Go ahead!'.
by just frank
Mon Feb 27, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Do you clear your inbox?
Replies: 49
Views: 2984

Re: Do you clear your inbox?

Never delete. I have almost every email I have ever received. My inbox varies between 3000 and 5000 emails, about 100+ new ones per day (older ones get offloaded periodically). No spam. Not sorted. Probably over 100,000 received by this point. I've got 19,000 in my sent queue just going back to 2006...
by just frank
Mon Feb 27, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: risk of my Tesla deposit
Replies: 147
Views: 10192

Re: risk of my Tesla deposit

Well that was short-lived. Just read an article that the PHEV Ioniq only has a 27 electric range. Somehow I thought it was going to have around 100. Back to i3 Rex (2018) or a Volt if we replace the Fit this year. Come on competition! FYI, I also saw that the 120 mile pure electric will be $30k bef...
by just frank
Sun Feb 26, 2017 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Deciding how much house to get
Replies: 25
Views: 2838

Re: Deciding how much house to get

The transaction costs are proportional to the cost of the house. One reason the agents want to upsell you...they get a bigger payday.
by just frank
Sun Feb 26, 2017 6:32 am
Forum: Investing - Help with Personal Investments
Topic: risk of my Tesla deposit
Replies: 147
Views: 10192

Re: risk of my Tesla deposit

I love the idea of a 100% EV car, though. I absolutely hate the idea of a 100% EV car. I know I'm weird, but I hate it when my phone battery dies, I hate it when my laptop battery dies, I would REALLY hate it if my car battery died. It's good to stir the pot. :beer I think most people have a sense ...
by just frank
Sat Feb 25, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: risk of my Tesla deposit
Replies: 147
Views: 10192

Re: risk of my Tesla deposit

No offense, but I have found multiple times that Prius drivers seem to be averse to just getting a full battery EV. I suppose its the long-mileage use case. FWIW, I'm shopping for my second EV now (2014 lease ending), and would never buy a Prius.
by just frank
Fri Feb 24, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Tesla Model X Review, 2 Months In
Replies: 42
Views: 5110

Re: Tesla Model X Review, 2 Months In

The first EV that I passed in my Nissan LEAF in 2014 was a Model S being towed somewhere on a flatbed. :twisted:

Best $200/mo I ever spent.

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