Search found 275 matches

by squirm
Fri Apr 29, 2016 4:02 pm
Forum: Personal Consumer Issues
Topic: Buying a New Car...Is it Unwise?
Replies: 68
Views: 6020

Re: Buying a New Car...Is it Unwise?

Just buy a new car and keep it for 10 years or so. It's okay to enjoy spending money once on a while, if you can afford it. Not everything has to be a calculated decision based on financials. If so, buy a used Yugo for transportation.
by squirm
Thu Apr 28, 2016 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Preferred stock ideas
Replies: 10
Views: 937

Re: Preferred stock ideas

Great conversation!
by squirm
Thu Apr 28, 2016 10:29 am
Forum: Personal Consumer Issues
Topic: Financing a car in order to fix credit
Replies: 14
Views: 1085

Re: Financing a car in order to fix credit

Don't understand. Did your recently get a new job, or are you still out is work?
by squirm
Tue Apr 26, 2016 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Paying off mortgage instead of buying bonds
Replies: 33
Views: 3168

Re: Paying off mortgage instead of buying bonds

This isn't black and white. I'd just play it safe and do half and half. Pay off half for the mortgage and put the other half in your investment.i was in a similar situation 15 years ago and wish I did that. Instead I invested.
by squirm
Tue Apr 26, 2016 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Preferred stock ideas
Replies: 10
Views: 937

Preferred stock ideas

Anyone have any ideas on a preferred stock issue? I'm looking for an investment grade issue with qualified distributions. I have a few in mind such as RNR or SCHW. Preferred stock investors, I'd like to hear from you.
I'm not asking for the merits of investing in preferred issues.

Thanks.
by squirm
Mon Apr 25, 2016 2:20 pm
Forum: Personal Consumer Issues
Topic: Pros/Cons of Condo Living?
Replies: 43
Views: 4245

Re: Pros/Cons of Condo Living?

student wrote:I live in a large condo complex and I have lived here for almost 15 years. It is in a two-story building. Everything is perfect except I can hear my neighbors, which bugs me. .

Biggest reason I would never live on a condo.
by squirm
Fri Apr 22, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Selling a house with solar panels
Replies: 38
Views: 3881

Re: Selling a house with solar panels

The average home buyer has no clue what kw
, kWh, or anything about panels, inverters, etc. Just leave a electric bill out, they know what $ means.
by squirm
Thu Apr 21, 2016 7:44 pm
Forum: Personal Consumer Issues
Topic: Adding panels to existing rooftop solar array
Replies: 10
Views: 967

Re: Adding panels to existing rooftop solar array

Given the orientation of the panels it's doubtful the system will produce over 5.5 with the additional panels. Even if the inverter clips, it won't for any significant length of time.
by squirm
Thu Apr 21, 2016 5:32 pm
Forum: Personal Consumer Issues
Topic: Adding panels to existing rooftop solar array
Replies: 10
Views: 967

Re: Adding panels to existing rooftop solar array

It's a 5.5kw system.
by squirm
Thu Apr 21, 2016 5:31 pm
Forum: Personal Consumer Issues
Topic: Any stay at home parents regret the decision?
Replies: 100
Views: 10398

Re: Any stay at home parents regret the decision?

I doubt there are too many people on their deathbed that wish they would have spent more time at work then being with their kids when they were young.
by squirm
Thu Apr 21, 2016 12:33 pm
Forum: Personal Consumer Issues
Topic: Adding panels to existing rooftop solar array
Replies: 10
Views: 967

Re: Adding panels to existing rooftop solar array

So to get back to my point, I agree panel costs is about a buck or buck and change. So why are they using the original per unit price of a whole system at $3/watt??? Only thing I can think of is they might feel their getting shafted due to the fact they just finished installing my system, and now I'...
by squirm
Thu Apr 21, 2016 12:28 pm
Forum: Personal Consumer Issues
Topic: Adding panels to existing rooftop solar array
Replies: 10
Views: 967

Re: Adding panels to existing rooftop solar array

Permitting is a small costs. They are the same panels that I have now. They're actually 310watts per panel.

Yeah, probably void the warranty if I did it myself or someone else.

They're nice panels, LG neon.... I specified everything myself.
by squirm
Wed Apr 20, 2016 10:32 pm
Forum: Personal Consumer Issues
Topic: Adding panels to existing rooftop solar array
Replies: 10
Views: 967

Re: Adding panels to existing rooftop solar array

That seems more than fair. What are we talking about $750-900? Cost on the panels is in the $450-550 neighborhood. I honestly don't think you present one valid reason for asking for any better deal. You're using the fact that you're NOT buying more equipment as a reason for a bigger discount, when ...
by squirm
Wed Apr 20, 2016 4:27 pm
Forum: Personal Consumer Issues
Topic: Adding panels to existing rooftop solar array
Replies: 10
Views: 967

Adding panels to existing rooftop solar array

I want to expand my rooftop solar array that was just installed with three more panels. The installer said he'd do it at the original price of $3/watt. I thought that was high since everything is already in place, such such as the inverter, conduit, etc. He'd have to put in another rack. Regarding w...
by squirm
Mon Apr 18, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: How To Stay Motivated in Employment When You Might Have Enough?
Replies: 71
Views: 8710

Re: How To Stay Motivated in Employment When You Might Have Enough?

Everyone is different. Some folks like their jobs the rewards that might come with it, others see it differently and hate it. I would get extremely bored staying home trying to keep myself busy. Maybe you should consider a career change if your not happy with your current situation and have the fund...
by squirm
Mon Apr 18, 2016 2:22 pm
Forum: Personal Consumer Issues
Topic: Solar Price Per Watt?
Replies: 25
Views: 2271

Re: Solar Price Per Watt?

Just go with a single inverter, such as solaredge and get the up optimizers, so shading isn't an issue. I very much doubt enphase will be around in 25 years and probably not even 5 given their financials. You can put the Solaredge inverter in your garage too, out of the heat, unlike micros that are ...
by squirm
Thu Apr 14, 2016 4:08 pm
Forum: Personal Consumer Issues
Topic: What should a solar power system cost?
Replies: 13
Views: 799

Re: What should a solar power system cost?

$3-3.75 per watt commercial installs.
I suggest decent panels like LG. Go with string inverter. Solaredge will probably be around in ten years, enphase probably not, imo.
by squirm
Thu Apr 14, 2016 1:04 pm
Forum: Personal Consumer Issues
Topic: My neighborhood is too quiet (and no kids)
Replies: 44
Views: 4766

Re: My neighborhood is too quiet (and no kids)

Wanted to add that most of the time we found that having close neighbors wasn't worth it. There was only one close neighbor that we really liked and could depend on, everyone else in a 15 year span.... Not so.
by squirm
Thu Apr 14, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: My neighborhood is too quiet (and no kids)
Replies: 44
Views: 4766

Re: My neighborhood is too quiet (and no kids)

We moved from an area that you described, where you can't get your mail, to very rural. We have to take our atv to get the mail or on the way out when leaving.

Getting to know a neighborhood takes time, and figuring out if the neighbors are decent people or not takes more time.
by squirm
Thu Apr 14, 2016 9:36 am
Forum: Personal Consumer Issues
Topic: Selling a house with solar panels
Replies: 38
Views: 3881

Re: Selling a house with solar panels

If the panels are purchased then it should. I'm not sure why some are comparing them to other forms of technology. Just have the owner show you the production amount on a sunny day and compare that with the array total rated production. Expect on average about a half percent a year drop off. Not a b...
by squirm
Wed Apr 13, 2016 7:59 pm
Forum: Personal Consumer Issues
Topic: Haggling for used car?
Replies: 13
Views: 1694

Re: Haggling for used car?

Some places stopped doing it. We just bought a car, tried negotiate, even left. They didn't budge, due to their procedures. Came back a few days later and bought it. No big deal, that's seems to be the trend.
by squirm
Wed Apr 13, 2016 7:56 pm
Forum: Personal Consumer Issues
Topic: Best month to sell/buy a home?
Replies: 17
Views: 1845

Re: Best month to sell/buy a home?

Usually due to schools. Forward the school calendar by a few months and that's your answer.
by squirm
Mon Apr 11, 2016 11:45 pm
Forum: Personal Consumer Issues
Topic: Friend wants to sell apartment in rent control SF
Replies: 2
Views: 625

Friend wants to sell apartment in rent control SF

Friend has had an apartment in SF for decades. It's under rent control. Renters have been there for a very long time. It's a 3 unit apartment, I believe. I would think the apartment is worth millions, but he recently told me it's not the case because of the legalities of the existing renters. He sai...
by squirm
Sat Apr 09, 2016 8:47 am
Forum: Personal Consumer Issues
Topic: MS OneDrive - changes to free storage
Replies: 4
Views: 508

Re: MS OneDrive - changes to free storage

They had a storage promotion late last year, that i applied to.
http://www.cnet.com/news/microsoft-exte ... age-storm/
by squirm
Sat Apr 09, 2016 8:45 am
Forum: Personal Consumer Issues
Topic: fraud detection algorithm for Capitol One credit cards
Replies: 17
Views: 1113

Re: fraud detection algorithm for Capitol One credit cards

Did you call the number from the back of your card, or the one in the email???
by squirm
Fri Apr 08, 2016 3:55 pm
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 6544

Re: led vs cfl

Glad this thread is helping people save in energy cost.
I got permission to activate our solar!!!
by squirm
Fri Apr 08, 2016 3:23 pm
Forum: Personal Consumer Issues
Topic: attic blow cellulose vs blow fiberglass
Replies: 11
Views: 1016

Re: attic blow cellulose vs blow fiberglass

Is there any health issues with blown in fiberglass? I ask because when the whole house fan comes on, it blows the interior air into the attic, which of course pushes that attic air out of the soffit vents which a portion of the air gets recycled into the house with the windows open until sometime ...
by squirm
Fri Apr 08, 2016 3:02 pm
Forum: Personal Consumer Issues
Topic: Stay in city or move out to suburbs?
Replies: 33
Views: 2469

Re: Stay in city or move out to suburbs?

Why are people so attracted to places to live only if there are restaurants within walking distance? We live out in the boonies. We wouldn't trade it for anything. Peace and quite. Going out to eat, isn't our thing, but we barbeque then sit on our deck overlooking the mountains. Beats going out to ...
by squirm
Fri Apr 08, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: Stay in city or move out to suburbs?
Replies: 33
Views: 2469

Re: Stay in city or move out to suburbs?

Why are people so attracted to places to live only if there are restaurants within walking distance? We live out in the boonies. We wouldn't trade it for anything. Peace and quite. Going out to eat, isn't our thing, but we barbeque then sit on our deck overlooking the mountains. Beats going out to a...
by squirm
Thu Apr 07, 2016 10:42 pm
Forum: Personal Consumer Issues
Topic: attic blow cellulose vs blow fiberglass
Replies: 11
Views: 1016

Re: attic blow cellulose vs blow fiberglass

Is there any health issues with blown in fiberglass? I ask because when the whole house fan comes on, it blows the interior air into the attic, which of course pushes that attic air out of the soffit vents which a portion of the air gets recycled into the house with the windows open until sometime l...
by squirm
Thu Apr 07, 2016 8:11 pm
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 6544

Re: led vs cfl

I go through thousands of bulbs a year and began to switch my CFL's to LED's 2 years ago. I bought a 40' container of them out of China because of the savings involved. I'm pro American most of the time but a dollar saved is a dollar earned and this was tens of thousands saved. Sorry if that offend...
by squirm
Thu Apr 07, 2016 8:06 pm
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 6544

Re: led vs cfl

I've been seeing some LED's at HD and Lowes for I believe under $2/bulb if you buy in a pack of 6. Not sure if they're subsidized.
by squirm
Thu Apr 07, 2016 8:04 pm
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 6544

Re: led vs cfl

+1 Dont even look at CFL anymore. The lifespan was never what was claimed Yes, that bothered the hell out of me. I spent a good amount of money on those damn things and at least mine didn't seem to last any longer than regular bulbs. I had some cfl's in lamps that i left on all the time as a deterr...
by squirm
Thu Apr 07, 2016 8:02 pm
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 6544

Re: led vs cfl

BW1985 wrote:What color temp do you all prefer? Went with 3000K in our kitchen.


I prefer no more than 2700k and that's pushing it.
by squirm
Thu Apr 07, 2016 5:15 pm
Forum: Personal Consumer Issues
Topic: Appliance Repairs: Is it worth it?
Replies: 44
Views: 4493

Re: Appliance Repairs: Is it worth it?

One thing I farmed out was replacing timing belt on car. I'm not dealing with that. Too much cussing and swearing by the end of the day, wondering why I didn't have someone else do it.
by squirm
Thu Apr 07, 2016 5:11 pm
Forum: Personal Consumer Issues
Topic: attic blow cellulose vs blow fiberglass
Replies: 11
Views: 1016

attic blow cellulose vs blow fiberglass

Writing this from my phone, so short but sweet. Want to add insulation to existing attic fiberglass batting R30. Will do it myself with help. Have blown in cellulose at our other house ten years ago messy dusty, but worked. Did the HD rental. This house has whole house fan. Was thinking of going wit...
by squirm
Wed Apr 06, 2016 3:43 pm
Forum: Personal Consumer Issues
Topic: Concrete or Asphalt driveway?
Replies: 35
Views: 2704

Re: Concrete or Asphalt driveway?

15% more for concrete??? Better recheck that quote and examine what exactly you're getting. Sounds too cheap, unless your asphalt quote is high.
by squirm
Wed Apr 06, 2016 3:37 pm
Forum: Personal Consumer Issues
Topic: Breaking concrete
Replies: 42
Views: 3373

Re: Breaking concrete

Not sure why anyone would suggest renting a Bobcat. They weigh about 8000lbs, the trailer weighs about 2000 pounds, that together will exceed the capacity towing of some trucks. Just rent a 60# electric breaker, and get two other guys to help. Pay them if you have to. Not a big deal. The rental pla...
by squirm
Tue Apr 05, 2016 10:34 pm
Forum: Personal Consumer Issues
Topic: Paying for kid's graduate school?
Replies: 49
Views: 3662

Re: Paying for kid's graduate school?

I have a degree from a state school. I make good money.
My wife has a degree from a state school, she makes good money.

You get our of school what you put into it.
by squirm
Tue Apr 05, 2016 10:31 pm
Forum: Personal Consumer Issues
Topic: Appliance Repairs: Is it worth it?
Replies: 44
Views: 4493

Re: Appliance Repairs: Is it worth it?

I usually fix things myself. If you're handy, it's not really a big deal. Last fix was the garage door. When pushing in the switch to have it learn a new remote, it wasn't learning. Turned out the switch on the circuit board was busted. So I jumpered it as the switch would do. Remote works. Before t...
by squirm
Tue Apr 05, 2016 10:24 pm
Forum: Personal Consumer Issues
Topic: Breaking concrete
Replies: 42
Views: 3373

Re: Breaking concrete

Not sure why anyone would suggest renting a Bobcat. They weigh about 8000lbs, the trailer weighs about 2000 pounds, that together will exceed the capacity towing of some trucks.

Just rent a 60# electric breaker, and get two other guys to help. Pay them if you have to. Not a big deal.
by squirm
Mon Apr 04, 2016 12:30 pm
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 6544

Re: led vs cfl

I have run into the same issue of cfls dying prematurely. I thought it was just me.

I am amazed at the cri on leds, close to 95.

I did my garage with led shop lighting last year. No problems.
by squirm
Mon Apr 04, 2016 11:36 am
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 6544

led vs cfl

I was on Lowe's the other day and noticed they have mini cfl's that are also fast start, about 1400 lumens at 23 watts. I haven't had a chance to yet to try them yet, but the specs seemed impressive. We mainly have cfls, but do have a few leds. Each has its pros and cons.i like the slow start of the...
by squirm
Sun Apr 03, 2016 10:30 pm
Forum: Personal Consumer Issues
Topic: Breaking concrete
Replies: 42
Views: 3373

Re: Breaking concrete

Do it the right way. Hire a friend or two, rent a breaker hammer and break it up. Take it to the recyclers. breaking concrete isn't difficult, but it's labor intensive. Get and keep hydrated
by squirm
Sun Apr 03, 2016 10:28 pm
Forum: Personal Consumer Issues
Topic: Buy or pass on buying this first house?
Replies: 31
Views: 3438

Re: Buy or pass on buying this first house?

I don't see how you can truely take internet advice when nobody knows that house you're thinking of buying or what you're really looking for. Home buying is very personal. All I can add is if the traffic noise bothers you, you can't fix that. Personally I would never buy a house next to a street. I ...
by squirm
Sun Apr 03, 2016 10:21 pm
Forum: Personal Consumer Issues
Topic: Do you pay for yardwork?
Replies: 61
Views: 5659

Re: Do you pay for yardwork?

This isn't rocket science. Just watch them work or work with them. That' what I do for various types of work. $12/hr for decent hard worker that is young and only knows basic stuff such as just landscaping $20/hr for hard worker who I trust and has different skills, such as fixing plumbing and helpi...
by squirm
Sat Apr 02, 2016 3:48 pm
Forum: Personal Consumer Issues
Topic: Used car buying Qs
Replies: 51
Views: 3911

Re: Used car buying Qs

If you know better then the secondary car market (which is huge), go for it. But I doubt it, used cars are priced accordingly. Like I said above, just get a Honda or a Toyota and be done with it. So much is popular lore, handed down from generation to generation. I like Nissans and Mazdas because I...
by squirm
Sat Apr 02, 2016 10:32 am
Forum: Personal Consumer Issues
Topic: Anyone have experience with Rocket Mortgage??
Replies: 3
Views: 464

Re: Anyone have experience with Rocket Mortgage??

The local banks are more in terms of rates. I have always used Amerisave, they are usually low or the lowest with good closing cost pricing.
If RM is really Quicken Loans, then there's no reason to use them, I never found great rates with Quicken.
Thanks for the reply.
by squirm
Sat Apr 02, 2016 10:20 am
Forum: Personal Consumer Issues
Topic: Which of these home repairs would you do?
Replies: 22
Views: 2098

Re: Which of these home repairs would you do?

Do the last one first, put in a patio. You'll enjoy it and can sit outside. Then you can do a fence. I did a fence myself, hired a few friends to help.It was about 300 feet in total. Paid for it myself, knowing that trying to extract money from neighbors is like pulling teeth. Took me a few weekends...
by squirm
Sat Apr 02, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: Solar City Sales-pitch
Replies: 34
Views: 3480

Re: Solar City Sales-pitch

If you live in an area where you need heat most of the winter and AC most of the summer, then yes, I think solar would provide a considerable savings. I suppose it all boils down to how temperate your climate is and how well insulated your house is. That and the utility pricing. Anything less than ...

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