Search found 1111 matches

by just frank
Fri Jul 21, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: Humid basement
Replies: 29
Views: 1832

Re: Humid basement

are there AC supply and return ducts in the basement that feed the upstairs? If so, you should be able to tap into them for a supply and return. Not sure if that will fix the humidity issue, but it would get cold air to the basement. Have you had a HVAC tech out to the house? All the AC ducts are a...
by just frank
Wed Jul 19, 2017 8:58 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1397
Views: 244982

Re: What are you up YTD? [Year To Date]

10.42%

Mostly stocks with an AA between 65:35 and 90:10 and some tilts.
by just frank
Fri Jul 14, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: If i turn off central AC will it damage drywalls?
Replies: 38
Views: 3232

Re: If i turn off central AC will it damage drywalls?

Don't worry about the daily cycle....the long run at the end of the work day will be more efficient and give better dehumidification overall...and you will save energy and $$. AS for the vacation...get a wifi thermostat like the EcoBee3 lite. I did. I can set the setpoint wherever I want while I'm a...
by just frank
Thu Jul 13, 2017 5:41 pm
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 70
Views: 7947

Re: % bogleheads of overall population

I would think that one of the mods could tells us the number of site members (including lurkers) and we could divide by 300MM and call it good enough. I'd guess its pretty small. We're not 4Chan. :D There are people that hit the max that are not Bogleheads, and Bogle-head types that do not hit the m...
by just frank
Thu Jul 13, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: Apple iMac problem?
Replies: 49
Views: 2959

Re: Apple iMac problem?

I don't know if I got a lemon or what or if this is considered normal but I've had issues with this computer ever since I got it. The problem is I will get the spinning orange beachball and the screen freezes up and the only way to get out of it is to shut the computer down. There's a lot of stuff ...
by just frank
Sat Jul 08, 2017 7:32 am
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 4505

Re: Better hurry if you want a gas-engine Volvo

And if you look outside your social bubble of hedge fund types, you will find the overwhelming majority of Americans don't have access to EV charging at work, and mgmt. won't install charging stations if asked by a few employees. Here is a good list of incentives for installing 'chargers' for EVs f...
by just frank
Sat Jul 08, 2017 6:50 am
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 4505

Re: Better hurry if you want a gas-engine Volvo

access to EV charging is not a significant barrier to adoption. Are there a lot of people that literally have NO options....sure. Are they in such a majority that they are preventing the rollout of EVs? Nope. L1 charging requires little more hardware for many people than a heavy duty extension cord...
by just frank
Sat Jul 08, 2017 6:15 am
Forum: Investing - Theory, News & General
Topic: Monte Carlo and Mean Reversion
Replies: 34
Views: 2566

Re: Monte Carlo and Mean Reversion

Maybe the easiest way is the sum of two negatively correlated random variables has smaller variance than sum of two positively correlated random variables. (and big tails come from big variance, if that makes sense, sort of) I did some math. (Of course, this is a simple toy model...) Take two rando...
by just frank
Fri Jul 07, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 4505

Re: Better hurry if you want a gas-engine Volvo

In other words...most people **already** have workable charging options in place for an EV (even if they haven't figured that out yet), and as EVs take off, the fraction of folks that don't have ready access to EV charging will fall to zero.] This is a pretty bold claim IMO, as I read it. If you're...
by just frank
Fri Jul 07, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 4505

Re: Better hurry if you want a gas-engine Volvo

Show of hands....how many people here (1) own a car AND (2) rely exclusively on public street parking? I don't park on the street. I have a reserved spot in my condominium's parking lot and no obvious way to add a charging station (and I have researched this at least somewhat). We did get fiber int...
by just frank
Fri Jul 07, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 4505

Re: Better hurry if you want a gas-engine Volvo

There are not nearly enough overnight parking spaces in North America to charge an electric car fleet conveniently. Let's build separate 'stations' that we all have to drive to and sit there for hours and 'suffer'! You suggested that "everyone could have an affordable gas station in their very...
by just frank
Fri Jul 07, 2017 2:15 pm
Forum: Investing - Theory, News & General
Topic: Boglehead mentality re todays oil price
Replies: 85
Views: 6667

Re: Boglehead mentality re todays oil price

1) French govt announced yesterday that by 2040 all cars sold to be electric cars 2) Volvo said by 2022 they will be manufacturing only electric cars 3) Norwegian govt declared that by 2025 all cars sold in the country to be electric ----------------------- Folks, get out of oil now. I wish I can t...
by just frank
Fri Jul 07, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 4505

Re: Better hurry if you want a gas-engine Volvo

You got me. :oops: There are not nearly enough overnight parking spaces in North America to charge an electric car fleet conveniently. Let's build separate 'stations' that we all have to drive to and sit there for hours and 'suffer'! Show of hands....how many people here (1) own a car AND (2) rely e...
by just frank
Fri Jul 07, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 4505

Re: Better hurry if you want a gas-engine Volvo

Hybrids, maybe. All-electric, unless there is a revolutionary discovery in the batteries field, it will never be. If filling up a car took 2 hours we would see huge lines at gas stations and there are many more gas stations than there are superchargers. LOL! Unless everyone had an affordable gas st...
by just frank
Fri Jul 07, 2017 7:18 am
Forum: Investing - Theory, News & General
Topic: Monte Carlo and Mean Reversion
Replies: 34
Views: 2566

Re: Monte Carlo and Mean Reversion

No need to speculate...the maths were worked out decades ago.... Specifically, mean-reversion may be understood as the tendency of many arbitrary probability distributions to converge to specific functional forms when repeatedly convolved (corresponding to repeated sums of the random numbers describ...
by just frank
Thu Jul 06, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Verizon- Why do they treat old customers worse?
Replies: 40
Views: 3924

Re: Verizon- Why do they treat old customers worse?

I've decided that all these Comcast-Verizon threads are a big waste of time vis-a-vis advice given. Bottom line is that they use a different business model (in terms of aggressive suckiness) on a district by district basis where the guy one town over will get entirely different treatment and deals a...
by just frank
Thu Jul 06, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 2970

Re: Surge Protector for Refrigerator

I will attest that I had a whole house SS on both 'hot' legs of my house, and when I had a grid surge (which led to visible arcing in my wall outlets) when a transformer exploded, one leg's LED went out afterwards, and there were char marks on the inside of the box door. :shock: I replaced the SS a ...
by just frank
Wed Jul 05, 2017 8:29 pm
Forum: Investing - Theory, News & General
Topic: Monte Carlo and Mean Reversion
Replies: 34
Views: 2566

Re: Monte Carlo and Mean Reversion

Monte Carlo methods are merely a convenient method for numerically estimating integrals. Not particularly efficient, but easier to set up than other methods when the integral is over a large number of dimensions, or have complex boundaries. Just the sort of thing that occurs frequently when computin...
by just frank
Tue Jul 04, 2017 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Need help progressing in life after a massive setback
Replies: 31
Views: 5153

Re: Need help progressing in life after a massive setback

I appreciate all of the feedback and I hope it continues to pour in. So I wouldn't say I really have any existing health issues mental or physical at this point, that entire episode was over 2 years ago now, With all due respect, OP, you should be a little less glib about this re recurrence. I am g...
by just frank
Wed Jun 28, 2017 5:38 am
Forum: Personal Consumer Issues
Topic: Purchasing physical gold??
Replies: 71
Views: 9949

Re: Purchasing physical gold??

I believe the answers are largely: bonds and cash.
by just frank
Tue Jun 27, 2017 5:52 am
Forum: Personal Finance (Not Investing)
Topic: 47 Single - Never Married - No kids - Diabetes - Retirement
Replies: 17
Views: 3139

Re: 47 Single - Never Married - No kids - Diabetes - Retirement

There are many people with severe diabetes who manage to control their blood sugar with insulin and very careful monitoring for many healthy years. A technical solution (e.g. integrated monitor and pump) may become available at any time to make such intensive (and difficult) management straightforwa...
by just frank
Mon Jun 26, 2017 5:26 am
Forum: Investing - Theory, News & General
Topic: Robots Are Eating Money Managers’ Lunch
Replies: 23
Views: 3640

Re: Robots Are Eating Money Managers’ Lunch

Of course, Jeff Miller has been blogging his weekly 'conversations' with his trading bots for a year now:

http://dashofinsight.com/stock-exchange ... eld-chase/
by just frank
Thu Jun 22, 2017 5:46 am
Forum: Personal Consumer Issues
Topic: radon test kit
Replies: 14
Views: 1359

Re: radon test kit

Radon risk is highly synergistic with cigarette smoking. Even small amounts of radon increase smoker's risk of getting lung cancer a significant amount, while large amounts of radon increase non-smoker's risk by a minute amount.

I would only worry about it if I was a smoker.
by just frank
Sun Jun 18, 2017 4:25 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 258
Views: 24822

Re: Tesla Model 3 or Chevy Bolt?

I charge to the max at superchargers prior to or on a long trip. Otherwise, I may go several days without plugging in if my charge is between 50-90% and then do a full charge to 90% twice a week. Mine is new with about 1000 miles so far and I am hoping this is okay. I got to 20% on a recent trip 2 ...
by just frank
Sat Jun 17, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Solar attic fans vs. regular turbines?
Replies: 26
Views: 1968

Re: Solar attic fans vs. regular turbines?

Box vents like gable vents on the sides of the attic/house siding? Seems installing those along with leaving the passive roof wind vents and adding blown in insulation, either fiberglass or cellulose should make a world of difference and should be done first before considering the powered ventilati...
by just frank
Fri Jun 16, 2017 4:38 am
Forum: Personal Consumer Issues
Topic: Solar attic fans vs. regular turbines?
Replies: 26
Views: 1968

Re: Solar attic fans vs. regular turbines?

Separately, our roofer pointed to some areas of the roof that are bubbling / cracked and he claimed that was due to the temperature in the attic. Sounded hard to believe to me (aren't shingles designed for high temps?) but so he said. The real solution is to have the floor of the attic airsealed an...
by just frank
Thu Jun 15, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: Solar attic fans vs. regular turbines?
Replies: 26
Views: 1968

Re: Solar attic fans vs. regular turbines?

Studies have shown that attic fans do not reduce energy use. The problem is air leakage between the attic space and the living space. Normally, the cool air in the house 'falls' pulling the hot air in the attic into the upper story. An attic fan 'helps' by pulling cool air from the house into the at...
by just frank
Sun May 28, 2017 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Safe 5 percent ROI
Replies: 25
Views: 4580

Re: Safe 5 percent ROI

If you are eligible, TIAA annuities run 3-4% and seem pretty safe. But of course, the money is locked up for at least 10 years.
by just frank
Sat May 27, 2017 2:57 pm
Forum: Investing - Theory, News & General
Topic: The dot com "do over" bull market?
Replies: 82
Views: 8179

Re: The dot com "do over" bull market?

The US oil extractors are a bubble. In what way? Sure, they're pumping like crazy, but their price point is at $30-$40/barrel (rough estimate), so they're still profitable. Most folks estimate that we'll eventually have a supply shortage (several years out) due to limited capex during the oil downt...
by just frank
Sat May 27, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: The dot com "do over" bull market?
Replies: 82
Views: 8179

Re: The dot com "do over" bull market?

The US oil extractors are a bubble.
by just frank
Wed May 24, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Bradford White Electric Water heater?
Replies: 30
Views: 1671

Re: Bradford White Electric Water heater?

What do people think about hybrid heat pump water heaters? GE recently stepped out of this market because they were losing money. Federal energy tax credits also recently expired for these, so that hasn't helped. There may still be credits available in your state though. New fed energy regs have ac...
by just frank
Wed May 24, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: Bradford White Electric Water heater?
Replies: 30
Views: 1671

Re: Bradford White Electric Water heater?

What do people think about hybrid heat pump water heaters? Love mine....an 80 gallon AO Smith HPWH, 4 years old. Major issue if finding the right space (can't be too small, short, or cold). 80 gallons?, do you have an apartment house? Slow recovery (can be 6-8 hours worst case: winter, with 45°F ai...
by just frank
Wed May 24, 2017 6:07 am
Forum: Personal Consumer Issues
Topic: Bradford White Electric Water heater?
Replies: 30
Views: 1671

Re: Bradford White Electric Water heater?

VaR wrote:What do people think about hybrid heat pump water heaters?


Love mine....an 80 gallon AO Smith HPWH, 4 years old. Major issue if finding the right space (can't be too small, short, or cold).
by just frank
Sat May 20, 2017 7:24 am
Forum: Personal Consumer Issues
Topic: Summer outdoor parties - party food ideas
Replies: 20
Views: 1790

Re: Summer outdoor parties - party food ideas

Cut chicken breasts into biggish chunks...marinate in fridge in lemon juice, olive oil and onions for 12-48 hours...remove from marinade and grill with the onions.

Serve with half Pitas and your hummus. Also provide lettuce, tomatoes, tahini and tzadziki.
by just frank
Fri May 19, 2017 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Annual house maintenance costs
Replies: 30
Views: 2703

Re: Annual house maintenance costs

The 1% number is rather accurate in my case. My house has 20+ years of deferred maintenance, so it ran closer to 2% during the first 10 years we owned it (getting caught up). Not a big deal since we got it marked down about 10% at time of sale due to poor condition. The point is that deferring maint...
by just frank
Mon May 15, 2017 4:10 am
Forum: Personal Consumer Issues
Topic: Replace floor BEFORE or AFTER New Cabinets?
Replies: 27
Views: 2567

Re: Replace floor BEFORE or AFTER New Cabinets?

To the OP...you often don't get to pick. If the project needs a new subfloor---replacing vinyl with tile, then you need to change the height of the floor (ugh) or rip out subfloor under the current cabinets, etc. As for putting the actual finish floor down last to protect it....details. But subfloor...
by just frank
Mon May 15, 2017 4:05 am
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 6988

Re: The recent WannaCry ransomware

Sorry, this is not an internet or NSA problem...it is a MIcrosoft problem. They have been selling products with badly substandard security practices for decades . People like to think that this is a problem needing innovation, or that people only attack Windows systems...nope. The basics of how to m...
by just frank
Tue May 09, 2017 6:58 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy cars?
Replies: 71
Views: 7864

Re: How do Bogleheads buy cars?

Buy a **used** Tesla Model S. :D
by just frank
Tue May 09, 2017 4:08 am
Forum: Personal Finance (Not Investing)
Topic: all cash vs. HELOC vs mortgage
Replies: 7
Views: 911

Re: all cash vs. HELOC vs mortgage

I'd take a 50% mortgage, spend whatever you need on the solar, invest the balance at my preferred AA, and figure I'd come out well ahead in 5-10 years.
by just frank
Sun May 07, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: sump pump issue
Replies: 13
Views: 1433

Re: sump pump issue

Check valves are cheap and take 5 minutes to install. Its unclear what you mean by 'leak''...as in water leaks backwards into the pit (preventing the sump from working) or that is leaks outside the pit because of a poor connection. From your 'tape' comment I gather it is the connection. A new check ...
by just frank
Sat May 06, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Insulating Walls - Worth it?
Replies: 44
Views: 5207

Re: Insulating Walls - Worth it?

@jharkin is right. An experienced cellulose installer can 'feel' wires and go around them, not get hung up on lath, and if there is framing blocking the cavity, will note where it is, and then drill a new 2" hole in the sheathing under the blockage to fill there. The cellulose is treated with S...
by just frank
Sat May 06, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Insulating Walls - Worth it?
Replies: 44
Views: 5207

Re: Insulating Walls - Worth it?

I agree with @jharkin. Blown in cellulose is the best wall cavity retrofit system there is, bar none. Cheap, green (low embodied energy), non-toxic (no foam fumes or smell), and durable (if densepacked). Loose blowing an attic is easy and is DIYable for that handy. Densepacking wall cavities is tric...
by just frank
Sat May 06, 2017 4:55 am
Forum: Personal Consumer Issues
Topic: Vexing electrical problem in the house
Replies: 54
Views: 3811

Re: Vexing electrical problem in the house

I'm in a HCOL and a new 200A panel cost me $2500 (low bid) ten years ago.
by just frank
Sat May 06, 2017 4:38 am
Forum: Personal Consumer Issues
Topic: Home Energy Audit recommended actions: 28.4 year payback period??
Replies: 33
Views: 3016

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

Nice.

Compare last January's and next January's heating bills, divided by heating degree days (available on the internet) to see what you've saved.
by just frank
Thu May 04, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Vexing electrical problem in the house
Replies: 54
Views: 3811

Re: Vexing electrical problem in the house

Lots of good advice...I will echo one post above about one 'leg' of the service being weak or intermittent. That can create some really weird effects. Happened to me, and I diagnosed it myself at the breaker box, and determined that it could only be fixed by the utility. When I called them to say I ...
by just frank
Tue May 02, 2017 5:09 am
Forum: Personal Consumer Issues
Topic: Buying first home with old hvac
Replies: 92
Views: 4562

Re: Buying first home with old hvac

Let's keep it simple. Home maintenance on an existing home will cost you about 1% of the value of the house per year. Budget that amount per year, and sometimes it will be a little more, sometimes a little less. HVAC repair and replacement is 'in there'. Remodeling is not. The bigger question is to ...
by just frank
Mon May 01, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 12786

Re: Microsoft, I want my computer back!

For the sake of balance..I'm a member of the silent majority..that being the Win OS users that really have few issues. The BH forums are a numbers-based/oriented cohort. That being the case, the numbers just don't add up. If Win OS's were as terrible as the many apple and linux users here would sug...
by just frank
Sun Apr 30, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: Myopic Loss Aversion
Replies: 14
Views: 1545

Re: Myopic Loss Aversion

I am sorry that you don't believe the results of the controlled studies used to discover and quantify this effect.

Perhaps you would like to go to the original, peer-reviewed studies, and tell us what the researchers did wrong?

And then the many studies since then that have shown the same?
by just frank
Sat Apr 29, 2017 5:37 am
Forum: Personal Consumer Issues
Topic: Need a water heater recommendation
Replies: 14
Views: 1683

Re: Need a water heater recommendation

I used to be on an oil boiler, and figured out that the boiler had a huge standby loss, which was expensive in the summer. Like 200 gallons of oil over the summer without any hot water being counted. Turns out most (>50%) of my summer air conditioning bill was the heat from the boiler. I thought it ...

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