Search found 1336 matches

by just frank
Tue Jan 23, 2018 8:03 am
Forum: Investing - Theory, News & General
Topic: "The Pain of Discipline or the Pain of Regret?"
Replies: 32
Views: 3045

Re: "The Pain of Discipline or the Pain of Regret?"

I spent a few years (happily) our of the market, or (stupidly) not maxing my contribution. Now I have regret, fell like I have failed my family (a little), and I want to 'catch up'. I have mastered my fears, 2015-16 I never bat an eye (it was not bad). 100% AA, growth tilt, full steam ahead and stay...
by just frank
Sat Jan 20, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Forrester
Replies: 34
Views: 1841

Re: Alternatives to Subaru Forrester

I'm lovin my Chevy Bolt, which has a Crossover SUV sized cabin.

With 4 snow tires on it, it has never even skidded in winter driving.
by just frank
Thu Jan 18, 2018 9:54 pm
Forum: Investing - Theory, News & General
Topic: Energy sector time to turn around?
Replies: 45
Views: 3947

Re: Energy sector time to turn around?

Sounds like Electric Utilities aren't a good bet either, though Warren Buffett is heavily invested. Let me check back in a couple of years to see if this renewable energy is for real. I have read the glowing reports but I am skeptical. Not everything I have seen is so optimistic. The thing is, if i...
by just frank
Wed Jan 17, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 47
Views: 4167

Re: A "Home" cell phone?

And Obi is a similar VOIP box with no monthly fee at all. But you use Google to handle your voicemail (also for free) and a separate vendor for 911 support (for $5/year).

Long-distance is 'included', as in no extra cost.
by just frank
Wed Jan 17, 2018 7:10 am
Forum: Investing - Theory, News & General
Topic: Energy sector time to turn around?
Replies: 45
Views: 3947

Re: Energy sector time to turn around?

Going back to the OP, what does the renewable revolution (mostly electricity) have to do with energy companies (mostly oil)?? A lot. On electrical generation, until a few years ago, it was a LOT of coal and some (subsidized) nukes b/c gas and oil were both consistently more expensive and renewables ...
by just frank
Wed Jan 17, 2018 6:03 am
Forum: Investing - Theory, News & General
Topic: Energy sector time to turn around?
Replies: 45
Views: 3947

Re: Energy sector time to turn around?

I don't know, I had a guy come to my door wanting me to sign up for greener electricity from my local electric utility. It would cost a bit more than what I was already paying. Much of the alternative energy we have here is wind power. He should have been offering me a discount. Green energy at the...
by just frank
Wed Jan 17, 2018 5:35 am
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 47
Views: 4167

Re: A "Home" cell phone?

WE just do Oobi VOIP and Google Voice. Service is FREE and includes US long-distance. Crystal clear and with voicemail.

I think adding the 911 service costs like $5/year. We did that.

I don't get all you folks spending hundreds of dollars a year for this.
by just frank
Mon Jan 15, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: Are land line phones still being supported?
Replies: 60
Views: 3680

Re: Are land line phones still being supported?

Mike Scott wrote:
Mon Jan 15, 2018 12:38 pm
just frank wrote:
Mon Jan 15, 2018 11:29 am
For all the folks in poor cell reception areas....why not just use 'wifi calling' on their smart phones? Free and digital quality.
Where does the wifi come from....?
In my case...my car if I want it to. My 2017 Bolt has a spiffy wifi hotspot with unlimited data. You could get one.
by just frank
Mon Jan 15, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Are land line phones still being supported?
Replies: 60
Views: 3680

Re: Are land line phones still being supported?

For all the folks in poor cell reception areas....why not just use 'wifi calling' on their smart phones? Free and digital quality.
by just frank
Mon Jan 15, 2018 7:31 am
Forum: Personal Consumer Issues
Topic: Hydronic fireplace home heating
Replies: 6
Views: 656

Re: Hydronic fireplace home heating

I suspect that in terms of cost savings and the value of your time, an energy audit/inspection would net you some better options. Woods great, and a lot of fun on a cold day, but it gets to be a drag as a full time occupation. When I bought my current place, I looked it over, attic insulation, storm...
by just frank
Sun Jan 14, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3278
Views: 947794

Re: What Movie Have You Recently Watched?

woof755 wrote:
Sun Jan 14, 2018 2:35 am
Get Out

Currently on HBO NOW

Absolutely jaw dropping. I was speechless. One of the smartest movies I have ever seen. I can't wait for Jordan Peele's next venture.
(This is not a comedy, and it's not really horror. It's just awesome)
Agreed. Most fun and gripping movie I have seen in a while.
by just frank
Sun Jan 14, 2018 10:06 pm
Forum: Personal Consumer Issues
Topic: Are land line phones still being supported?
Replies: 60
Views: 3680

Re: Are land line phones still being supported?

A separate question re the OP is how reliable are they in a disaster, versus cell phones. The telcos were required to provide massive (and expensive to maintain) backup power to the POTS network so it would stay on in a disaster or extended blackout. I do not know if they still are....but most 'land...
by just frank
Sun Jan 14, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Replacement Suggestions For Microwave Oven
Replies: 22
Views: 1266

Re: Replacement Suggestions For Microwave Oven

I deferred on replacing an ancient microwave in 2004.....and finally broke down and went to the store and got a replacement for ....$35 !!

It was waay better than the old one, and has worked well for lo these 13 years.
by just frank
Sun Jan 14, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 83
Views: 9042

Re: Aug. 2017 US total eclipse hotel reservations.

Also, 2024 is supposed to be even better. I will be enjoying both. I'll be traveling for both. And in 2099 there'll be another total eclipse, passing right over my house grave. I won't have to travel for that one. :( Yup, I'll either watch from my rocker at age 118 or I'll have to miss that one... ...
by just frank
Sun Jan 14, 2018 7:54 am
Forum: Investing - Theory, News & General
Topic: Energy sector time to turn around?
Replies: 45
Views: 3947

Re: Energy sector time to turn around?

I don't know, I had a guy come to my door wanting me to sign up for greener electricity from my local electric utility. It would cost a bit more than what I was already paying. Much of the alternative energy we have here is wind power. He should have been offering me a discount. Green energy at the...
by just frank
Sun Jan 14, 2018 7:24 am
Forum: Investing - Theory, News & General
Topic: Energy sector time to turn around?
Replies: 45
Views: 3947

Re: Energy sector time to turn around?

We just have lost decade for energy sector. What kind of return should we expected for the next 10 years. Vanguard research puts 3-5% annualized return on overall U.S. equity market, I hope energy sector do better than that. Lost decade? If you listen to Peter Thiel we have had effectively no techn...
by just frank
Sat Jan 13, 2018 1:23 pm
Forum: Investing - Theory, News & General
Topic: Energy sector time to turn around?
Replies: 45
Views: 3947

Re: Energy sector time to turn around?

My personal view, is that if the transition from fossil fuels happens, that it will be slow. I know coal is hated as an energy source but we have it in abundance here in the United States and it is a reliable energy source. Oil was a big improvement but oil never replaced coal. I did read a few art...
by just frank
Sat Jan 13, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: [Lightning rods for my house? Or too "old fashioned"?
Replies: 32
Views: 1992

Re: [Lightning rods for my house? Or too "old fashioned"?

I saw one of those TV shows were they have various interesting scientific stories. In this show a surveillance camera showed someone getting struck by lightning. It knocked him down but he got up and walked way. But that's not the amazing thing -- he got hit a second time only a few steps after tha...
by just frank
Wed Jan 10, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: New Garage Doors
Replies: 49
Views: 6135

Re: New Garage Doors

We installed new Midland Doors 15 years ago and have had great service from them. They are a metal skin with interior insulation. They are very quiet and exceptionally strong. My father in law has metal doors, no insulation - single skin and they are very noisy/clanky going up and down. They also c...
by just frank
Mon Jan 08, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: Frozen Pipes
Replies: 30
Views: 3419

Re: Frozen Pipes

My 1960 house has a lot of problems, but has no plumbing (except hose bibs) within 10' of an exterior wall. I don't miss the pipe freezes in my former places.

I guess my main could freeze...but it hasn't yet. :x
by just frank
Mon Jan 08, 2018 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm vs Geico
Replies: 67
Views: 4586

Re: State Farm vs Geico

Everyone loves Geico, but every time I get a new car (and trade in the old one) they increase my premium 50%.

I am now at $3200 / 6 mos for two cars.

Excellent driving record. [OT comment removed by moderator prudent]
by just frank
Mon Jan 08, 2018 7:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft at 58,000 posts!
Replies: 36
Views: 2943

Re: Livesoft at 58,000 posts!

Thanks for at least 57000 of those posts. :D

The others we best not discuss.
by just frank
Mon Jan 08, 2018 5:55 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 431
Views: 33540

Re: To take or not to take delivery of Tesla 3

Wow these new "features" seem half-baked. I am a huge fan of tech (I have a VW e-Golf that I love), but the self-driving stuff.....it ain't ready yet. As an engineer, I would say that building an L4 or L5 AV is a lot more difficult than either capturing the commercial space launch business or landi...
by just frank
Mon Jan 08, 2018 5:46 am
Forum: Personal Consumer Issues
Topic: New Garage Doors
Replies: 49
Views: 6135

Re: New Garage Doors

[restarted thread, check posting dates - admin alex] Don't trust those R factor ratings. Several companies test their garage door by cutting out a 1x1 square and putting that in a machine to test heat transfer. They also seal up the edges with caulk during this test to test only the panel. Well tha...
by just frank
Sun Jan 07, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 431
Views: 33540

Re: To take or not to take delivery of Tesla 3

Does anyone who has reserved or configured one have thoughts about whether autopilot is worth purchasing prior to delivery ($5k prior to delivery; $6k afterwards). I’m thinking it probably is because unlike the hardware in the car, the $5,000 initial cost doesn’t depreciate - it actually makes the ...
by just frank
Sun Jan 07, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Oil filled space heaters
Replies: 39
Views: 4024

Re: Oil filled space heaters

I wonder how much difference there is in the brand you buy. I have a Pelonis oil heater and it works great in a small room. Use it all night in a bedroom and it gives quiet, even heat. But put it in a larger room and its mostly ineffective. I wonder if I bought a more expensive brand would if funct...
by just frank
Sat Jan 06, 2018 6:21 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 431
Views: 33540

Re: To take or not to take delivery of Tesla 3

Word is the headroom in the back is achieved by a low seating, that puts your knees well above your hips, so to speak.

BB, did you find that noticeable when testing the back?
by just frank
Sat Jan 06, 2018 6:13 am
Forum: Personal Consumer Issues
Topic: Oil filled space heaters
Replies: 39
Views: 4024

Re: Oil filled space heaters

veggivet wrote:
Fri Jan 05, 2018 2:13 pm
My Delonghi oil-filled space heater has performed flawlessly for me. I don't use it often, but when I need it (for example, when my furnace fails and it's 0 outside) it does the job.
During times like that, the wife's hairdryer can also come in handy. 8-)
by just frank
Thu Jan 04, 2018 11:24 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 431
Views: 33540

Re: To take or not to take delivery of Tesla 3

My husband drives a Bolt now which replaced his Prius. Both our Chevy's are owned, not leased. Bolt is available everywhere now at significant discounts to MSRP if you purchase. Chevy does not pass the full tax credit on a lease, though. (bolding added) We probably would already have a Bolt if it a...
by just frank
Thu Jan 04, 2018 5:55 am
Forum: Personal Consumer Issues
Topic: Oil filled space heaters
Replies: 39
Views: 4024

Re: Oil filled space heaters

One of the biggest safety factors with space heaters is the use of extension cords and worn wall outlets (that make poor contact). If you need a low power setting (like 400W), then no worries, but if you use higher powers consistently, either avoid an extension cord completely or use a good conditio...
by just frank
Tue Jan 02, 2018 6:05 am
Forum: Personal Consumer Issues
Topic: Convert drafty wood burning fireplace to more efficient
Replies: 21
Views: 1689

Re: Convert drafty wood burning fireplace to more efficient

You didn't mention whether the fireplace/chimney is in the interior of the house, or on an exterior wall. If the latter, that uninsulated masonry is a huge heat sink 24/7. If you go to a gas insert, you will want to insulate well behind it in a manner consistent with manufacturer recommendations.
by just frank
Sat Dec 30, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: CleanTech/Energy Funds & ETFs
Replies: 32
Views: 1189

Re: CleanTech/Energy Funds & ETFs

Without government subsidies, how much of this $300b investment would occur? I can tell you I wouldn't have put solar panels on my roof twice if not for the 30% tax credit. Difficult to say, given that it spans many countries with different ideas for subsidies. US subsidies are among the least, and...
by just frank
Sat Dec 30, 2017 11:36 am
Forum: Investing - Help with Personal Investments
Topic: CleanTech/Energy Funds & ETFs
Replies: 32
Views: 1189

Re: CleanTech/Energy Funds & ETFs

Without government subsidies, how much of this $300b investment would occur? I can tell you I wouldn't have put solar panels on my roof twice if not for the 30% tax credit. Difficult to say, given that it spans many countries with different ideas for subsidies. US subsidies are among the least, and...
by just frank
Sat Dec 30, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: CleanTech/Energy Funds & ETFs
Replies: 32
Views: 1189

Re: CleanTech/Energy Funds & ETFs

In the case of TX wind producers, they get a 2.2 cent/kWh tax credit. IF they sell power for -1 cent/kWh, they still pocket positive money on marginal production. When the PTC expires...so will the negative pricing. I am not sure to what extent one can "take a windfarm offline". i.e. the pure physi...
by just frank
Sat Dec 30, 2017 7:26 am
Forum: Investing - Help with Personal Investments
Topic: CleanTech/Energy Funds & ETFs
Replies: 32
Views: 1189

Re: CleanTech/Energy Funds & ETFs

Just because we need to lower our carbon footprint doesn't mean any of these companies will be profitable in your lifetime, or beat the average returns of the market or tech firms in general. Not profitable in our lifetime? Time to wake up and smell the sunshine.... The global RE sector is already ...
by just frank
Sat Dec 30, 2017 7:14 am
Forum: Investing - Help with Personal Investments
Topic: CleanTech/Energy Funds & ETFs
Replies: 32
Views: 1189

Re: CleanTech/Energy Funds & ETFs

So how do companies make money for shareholders if they have to pay consumers to take the energy they produce? In the case of TX wind producers, they get a 2.2 cent/kWh tax credit. IF they sell power for -1 cent/kWh, they still pocket positive money on marginal production. When the PTC expires...so...
by just frank
Fri Dec 29, 2017 5:24 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 710
Views: 35296

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

Fun. I"ll have to be content with 17th place. I hope to get another chance next year!

:sharebeer
by just frank
Fri Dec 29, 2017 7:48 am
Forum: Investing - Help with Personal Investments
Topic: CleanTech/Energy Funds & ETFs
Replies: 32
Views: 1189

Re: CleanTech/Energy Funds & ETFs

As usual @Vauethinker makes some excellent points. The question for clean tech is whether this is like the internet in 1998 or in 2008. Can we see the winners....or is it hopeless to do so? This is a whole other question from whether the industry has a future at all or not. On the energy front, sent...
by just frank
Fri Dec 29, 2017 7:20 am
Forum: Investing - Help with Personal Investments
Topic: CleanTech/Energy Funds & ETFs
Replies: 32
Views: 1189

Re: CleanTech/Energy Funds & ETFs

I am sympathetic to both sides of this discussion, renewable tech is inevitable vs efficient market sets current price. I would add one more factor....abrupt sentiment change. There are currently two opposed stories here....pro and con....its the future or its not (e.g. based upon a hoax or politics...
by just frank
Thu Dec 28, 2017 11:21 pm
Forum: Personal Consumer Issues
Topic: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help
Replies: 47
Views: 3479

Re: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help

Can't you have a mechanic disable the existing airbag by disconnecting the wire harness, to avoid the risk of shrapnel? Then passengers wear a seat belt and are safe.
by just frank
Thu Dec 28, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 431
Views: 33540

Re: To take or not to take delivery of Tesla 3

I can agree with every comparison between the Leaf and the Bolt. I like the Bolt a lot. My problem with it is I need to travel cross country fairly often. Just not possible in anything other then a Tesla. Even if you could find a CCS charger everywhere between California and the Midwest. The charge...
by just frank
Thu Dec 28, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Buying a car advice - what's new since 1994?
Replies: 43
Views: 3159

Re: Buying a car advice - what's new since 1994?

I am having a hard time getting parts for my current computer...a 1994 Gateway PC upgraded to Windows 98. I hate flat panel displays and have all my important data on 5.25" floppy disks. I want to get a new computer but I hear that broadband can be used by hackers to steal your identity, so I want a...
by just frank
Thu Dec 28, 2017 7:34 am
Forum: Personal Consumer Issues
Topic: Buying a car advice - what's new since 1994?
Replies: 43
Views: 3159

Re: Buying a car advice - what's new since 1994?

The OP should get whatever he/she likes, but should also be aware that the required safety features in nearly any new vehicle will make it far safer to drive than that '94 (that my parents and older sibs both owned). This is pre-ABS brakes, pre-traction control, pre side-curtain airbags (etc), pre-b...
by just frank
Thu Dec 28, 2017 7:08 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 431
Views: 33540

Re: To take or not to take delivery of Tesla 3

Have a 2015 Leaf and a Honda FIT EV. The Leaf is a lot larger than the FIT. I have spent a fair amount of time in the Bolt as a close friend purchased one when they first came out. I think it was the 3rd one sold in the SF Bay Area. The Bolt is larger than the FIT for sure. I am not certain about b...
by just frank
Wed Dec 27, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 431
Views: 33540

Re: To take or not to take delivery of Tesla 3

I assure you all that the cabin/interior of the Bolt is much larger and taller than a Honda Fit OR the LEAF (I or II) OR the 3.

The lack of a front makes it look otherwise in photos. Its like a small crossover on the inside...but the length and width of a compact.

Think TARDIS.
by just frank
Fri Dec 22, 2017 5:12 am
Forum: Personal Consumer Issues
Topic: Electric Energy Usage
Replies: 86
Views: 5382

Re: Electric Energy Usage

Would an air to air heat exchanger have any potential for saving energy or heat in a case of needing to have air exchange such as replacing the air lost as exhaust from a dryer or even the draft air up the flue from a furnace? (Lost air causes air from outside the house to come in somewhere) if the...
by just frank
Thu Dec 21, 2017 6:08 am
Forum: Personal Finance (Not Investing)
Topic: Electric Vehicle and standard deduction.
Replies: 4
Views: 508

Re: Electric Vehicle and standard deduction.

I'll third that statement!
by just frank
Wed Dec 20, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Electric Energy Usage
Replies: 86
Views: 5382

Re: Electric Energy Usage

OK but where then does that heat go? IF they both vent to the same space, the total amount of heat is the same, whether you dry your clothes quickly in a dryer or overnight in a spare room? Some of the heat is absorbed by a phase change, liquid water into water vapor. This is the same amount whiche...
by just frank
Wed Dec 20, 2017 4:35 am
Forum: Personal Consumer Issues
Topic: Buying a new car (HELP!!!)
Replies: 13
Views: 1189

Re: Buying a new car (HELP!!!)

This is easy: ONE: The oldest trick in the book is for the sales guy to write a bunch of numbers on a scrap of paper, add them up by hand, and to circle the number you will pay. And then you agree. Studies have shown that in this trick there is ALWAYS a math error in the dealer's favor, which you p...
by just frank
Tue Dec 19, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Electric Energy Usage
Replies: 86
Views: 5382

Re: Electric Energy Usage

Newer HPWH has a COP=3. HW for a family of four is like $20/mo, maintenance is about zero. Hard to beat, if you've got the space for one. BTW, kWh are cheap here and I have heard $5/gal local propane quotes. :shock: I got a solar HW quote for $12k a few years ago....and it still used electric for 3...