Search found 1855 matches

by jharkin
Thu Nov 15, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Honda reliability slipping?
Replies: 58
Views: 7153

Re: Honda reliability slipping?

The most reliable source of dependability info/prediction on new cars is the JD Powers initial quality study. For 2017 Honda and Acura both ranked in the bottom half. Initial quality is all about how easy it is to pair your phone to the car😁 What people really want to know is something along the li...
by jharkin
Thu Nov 15, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Honda reliability slipping?
Replies: 58
Views: 7153

Re: Honda reliability slipping?

Ive lost track of how many hondas we have owned over hte years. OUr fist was a '77 CVCC civic that I learned basic car repair on as a kid in the late 80s. Since then between me, my extended family and my wife's extended family we have had Civics (77, 85, 95 x2, 04, 11) Accords (82, 87, 95) one Prelu...
by jharkin
Wed Nov 14, 2018 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Accuracy of Zillow/Trulia/Redfin Estimates
Replies: 51
Views: 4277

Re: Accuracy of Zillow/Trulia/Redfin Estimates

I agree with everybody above - "it depends" Ive notice recently that zillow actually provides 3 different calculations - one based on comps (this appears to be the default), one based on the average sale price to tax assessment ratio, and one based on the average market appreciation for your town. I...
by jharkin
Wed Nov 14, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: fuel for snowblower
Replies: 69
Views: 3562

Re: fuel for snowblower

Ethanol fears are way overblown and mostly and urban legend. Ethanol is a problem in only a few cases: 1 - equipment that is very old and still has natural rubber parts in the fuel system. I haven't seen this be an issue in any equipment made in the last 20 years with use ethanol safe synthetic rubb...
by jharkin
Tue Nov 13, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 2706

Re: How long have you had, or did you have, your HP-12C calculator?

Not an 11/12, but my HP-48G scientific calculator is something like 25 years old. Just swapped the batteries again for the first time in at least 5 years.I should find somebody else who has one to see if the infrared data sharing function (kind of like a 90's version of airdrop) still works ;) I don...
by jharkin
Tue Nov 13, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Feeling uneasy about recent splurge
Replies: 40
Views: 3929

Re: Feeling uneasy about recent splurge

Are you kidding? Lots of people out there who don't have anywhere near the savings of your average BH go splurge 5 figures on a car or a boat without thinking. And finance the splurge with high interest consumer debt. This is nothing. In fact its a wise investment. We just replaced our ~12 year old ...
by jharkin
Tue Nov 13, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Worth fixing a 30-year-old Maytag dryer?
Replies: 66
Views: 12864

Re: Worth fixing a 30-year-old Maytag dryer?

To the “museum” guy... don’t ever visit my house ;) We have things that predate these washers by decades, and centuries. Hehe. Old doesn’t equal bad. So how are you doing getting new releases for the Edison Cylinder Player? :?: :D Ya got me there... But I do still get new 33s from time to time. And...
by jharkin
Mon Nov 12, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 29
Views: 1950

Re: 457 vs 403b

As for them being a secret, I agree; the estate planning attorney I consulted a while back had no idea what a 457 was. +2 My wife started a new job working for a public school last year, and they offer 403b & 457b. Besides the better flexibility of the 457 her plan also offers better low ER index f...
by jharkin
Sun Nov 11, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Worth fixing a 30-year-old Maytag dryer?
Replies: 66
Views: 12864

Re: Worth fixing a 30-year-old Maytag dryer?

Dryers are very simple devices and if noise is the only problem I'd go ahead with trying to fix it myself. I replaced the bearings and belts on our old Maytag in about two hours and it's working fine; I'd fix it again if it started making noise but otherwise was functional. I would be leery of fixi...
by jharkin
Sun Nov 11, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3292

Re: Seeking Advice - Emergency Preparedness

How far north are you? We get nor’easters here around Boston but the winds don’t reach hurricane strength... maybe 50mph or so gusts in a bad one, but I’ve never seen anything close to actual sustained hurricane (75mph) wind. Temps reaching zero happen, but rarely. Sounds like you are way up there ...
by jharkin
Sat Nov 10, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: Worth fixing a 30-year-old Maytag dryer?
Replies: 66
Views: 12864

Re: Worth fixing a 30-year-old Maytag dryer?

My reaction is that if you can get the parts and fix it yourself, it is probably worthwhile because it will not cost too much. However, if you need to hire a service person, it probably would not pay to do so. Jeff +1 +2. My 20 year old Kenmore(Whirlpool) washer just gave up.. turned out to be a $2...
by jharkin
Fri Nov 09, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3292

Re: Seeking Advice - Emergency Preparedness

I’m in New England and like others my backup to stay warm is a wood stove. Unlimited heat. I’ve got Natgas to cook and I do have a small portable generator but that’s mainly for the sump pump. I can use it for the fridge,etc but it uses a lot of gasoline to run so only as needed. How far north are y...
by jharkin
Fri Nov 09, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 131
Views: 9716

Re: Favorite "free stuff"?

Wow, for once I get to be the one who humbrags (after lurking in the threads about massive inheritances and huge salaries). My favorite free stuff is all the free perks I get at work :) Free gourmet coffee drinks, milk, juice, soda 24x7 Free fruit daily Free breakfast buffet once a week Free newspap...
by jharkin
Thu Nov 08, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 11675

Re: If expenses are low, are some of us over saving?

A "high earning couple" probably lives in a HCOL area. $3k a month (I am assume you meant per month) might only cover property taxes and healthcare in a really high cost area - Where does the rest come from? Is this theoretical couple riding the bus, eating ramen, and getting their clothes form a th...
by jharkin
Wed Nov 07, 2018 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: 1/3 of Baby Boomers have no retirement savings...
Replies: 77
Views: 8108

Re: 1/3 of Baby Boomers have no retirement savings...

I'm not following the logic of the chart.. why do the higher incomes need higher multiple of income saved? Are they discounting for the SS bend points offsetting more expenses for the lower income cohort? or something else? These charts are for presentations to mass groups of people to give a gener...
by jharkin
Wed Nov 07, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: 1/3 of Baby Boomers have no retirement savings...
Replies: 77
Views: 8108

Re: 1/3 of Baby Boomers have no retirement savings...

Not easily done for somebody in their 20's, 30's, or 40's to anticipate actual retirement age, costs, location, expenses when they are in their 60's outside of some serious W.A. guessing. Yes, the honing becomes clearer as one settles into a lifestyle and cash flow that is more consistent. Hence th...
by jharkin
Wed Nov 07, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: 1/3 of Baby Boomers have no retirement savings...
Replies: 77
Views: 8108

Re: 1/3 of Baby Boomers have no retirement savings...

Experts have said people may need a nest egg of more than $1 million to carry them through a 30-year retirement. I always wonder, who are these "experts" and what data is this number based on? Really convenient that it came out to such a nice round number. Consider that my retired MIL, with her 2BR...
by jharkin
Wed Nov 07, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Need help! 3 HVAC intstallation quotes
Replies: 21
Views: 1200

Re: Need help! 3 HVAC intstallation quotes

Do we get tax credits for getting a new HVAC system? No tax credits I am aware of, but some states and utilities offer rebates or low interest financing for upgrades if you are increasing the efficiency a certain amount. Look up your state and/or call your electric company and inquire. Where I live...
by jharkin
Wed Nov 07, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: New job concerns
Replies: 32
Views: 2784

Re: New job concerns

You are making a huge deal out of a relatively minor issue. Tell your manager your train times (that are non-negotiable) and say you are happy to get any work done remotely as necessary. If your manager is not ok with that that’s her problem not yours. I doubt many in person meetings get scheduled ...
by jharkin
Wed Nov 07, 2018 6:45 am
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 46
Views: 4386

Re: How much money did you receive from family? (Gifts/inheritance)

Nothing. I financed much of my college education through loans and in my late 20s/early 30s ended having to help support my parents for years (to the tune of 5 figures) when they lost jobs in the Great Recession. They have zero retirement savings so I will be supporting them when they become too old...
by jharkin
Tue Nov 06, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: Maximum Tax Deferral
Replies: 30
Views: 2990

Re: Maximum Tax Deferral

Lots of ways these numbers can be high. We are a dual income couple - I work in tech, my wife in a public school. If you consider both tax deferred, and tax free (roth), we can theoretically use: Me: HSA: 6900 (my contributions plus 1k match) 401k: 55k (I can contribute 18500 pretax, then I get a 6%...
by jharkin
Tue Nov 06, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Growing into a house
Replies: 15
Views: 2270

Re: Growing into a house

This one is a toss up. You have a VERY high income in a quite LOW cost of living area... so of course you can easily afford it on a cashflow basis. We make just over 200k here and will have to spend 500-600k just to get 1800sq and 2 bathrooms around here. When we bought our first house before kids w...
by jharkin
Tue Nov 06, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Should I proactively replace our Indirect Hot Water Heater?
Replies: 15
Views: 924

Re: Should I proactively replace our Indirect Hot Water Heater?

What's the situation with hard water? London has very hard water so *everything* scales up over time. Good question - I dont know. Do you end up having to have pipes replaced on a regular basis because they clog up? If yes I would guess the same would apply to the hot water tank and its associated ...
by jharkin
Tue Nov 06, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: Should I proactively replace our Indirect Hot Water Heater?
Replies: 15
Views: 924

Re: Should I proactively replace our Indirect Hot Water Heater?

I'd add that I also dont understand why you where told an indirect is inefficient... they are actually are one of the more efficient water heater types. They dont have the exposed burner and open flue of a gas water heater that generates lots of losses, and they tend to be better insulated than chea...
by jharkin
Tue Nov 06, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: Should I proactively replace our Indirect Hot Water Heater?
Replies: 15
Views: 924

Re: Should I proactively replace our Indirect Hot Water Heater?

Find a new boiler tech. I also have an indirect heater... a stainless steel Superstore Ultra. Your Weil-Mclain, similarly, is almost certainly stainless steel. (Check the label to confirm). https://www.weil-mclain.com/products/aqua-plus-series-2 Being made of stainless steel, these indirects basical...
by jharkin
Tue Nov 06, 2018 6:30 am
Forum: Personal Consumer Issues
Topic: Car buying: New vs. Used IF you keep it for 8+ years paying cash.
Replies: 16
Views: 2389

Re: Car buying: New vs. Used IF you keep it for 8+ years paying cash.

As has been mentioned it depends on the car. Buying new and keeping for 10 years works out well with Toyotas and Hondas because they have very slow depreciation and (especially Toyota) tend to have the best long term reliability. i.e. I had a 2003 Acura I kept for 11 years - it returned over 30% of ...
by jharkin
Tue Nov 06, 2018 6:22 am
Forum: Personal Consumer Issues
Topic: Furnace Duct Cleaning-a high profit game?
Replies: 31
Views: 3351

Re: Furnace Duct Cleaning-a high profit game?

Except for high mold / allergy or other unusual problems, duct cleaning is close to being a scam. If you made it 40 years without cleaning, you can probably go a while longer. +1 Most I have read about duct cleaning is that its a total scam... just a cosmetic band aid like driveway sealcoating, etc...
by jharkin
Sun Nov 04, 2018 6:10 am
Forum: Investing - Help with Personal Investments
Topic: Close to the Bull Trap phase of the market cycle
Replies: 32
Views: 2775

Re: Close to the Bull Trap phase of the market cycle

I stopped reading as soon as I saw it was from Blind. Moving on.... What is Blind? (Or Teamblind?) It’s a phone app for spoiled Silicon Valley tech workers to “anonymously” compare salaries and complain about their employers/co workers. Look it up on the App Store on your phone and just glance thro...
by jharkin
Sat Nov 03, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Close to the Bull Trap phase of the market cycle
Replies: 32
Views: 2775

Re: Close to the Bull Trap phase of the market cycle

I stopped reading as soon as I saw it was from Blind.

Moving on....
by jharkin
Sat Nov 03, 2018 8:36 am
Forum: Personal Finance (Not Investing)
Topic: high deductible vs. PPO calculation--high deductible always wins?
Replies: 35
Views: 3047

Re: high deductible vs. PPO calculation--high deductible always wins?

The difference is in the middle. You will hit that $10k out of pocket max much more quickly with the HDHP. Most people are somewhere in that middle ground. If you have the PPO, you’ll only hit the out of pocket max if you have major medical issues. With the HDHP, a normally healthy person with a sm...
by jharkin
Thu Nov 01, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Becoming frugal
Replies: 81
Views: 10827

Re: Becoming frugal

I see many postings that scream penny wise pound foolish. Exactly. I try and save money to live better, not be miserable. For us the biggest thing is the house. We own a home that is enough space, but not tooo much. All my peers who live in the 3k-4k sqft Mansions can skip all the lattes and resole...
by jharkin
Thu Nov 01, 2018 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Spouse Diagnosed Non-curable Cancer -- what now?
Replies: 54
Views: 10320

Re: Spouse Diagnosed Non-curable Cancer -- what now?

Having 4 immediate family members diagnosed with cancer in the last year (including a couple of multiple recurrences and one initial diagnosis of lymphoma at a young age - 38) I sympathize with difficult situation you are going though. Definitely don't make any rush decisions and you are doing the r...
by jharkin
Wed Oct 31, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating ROI for PhD
Replies: 86
Views: 4766

Re: Calculating ROI for PhD

market timer wrote:
Tue Oct 30, 2018 9:06 am
Don't get a PhD for the ROI. Do it so you can study what you want and never have a boss.
+1000

Amongst me, my wife, and all our siblings there is a very obvious inverse relationship between number of degrees and annual income/net worth.
by jharkin
Wed Oct 31, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Tax refunds expected to be 26% more in 2019
Replies: 52
Views: 5689

Re: Tax refunds expected to be 26% more in 2019

If you haven't already, it might be worthwhile to review your own withholdings to see if they are set up correctly. Thanks for the reminder. I changed jobs this year so I meant to go add things up and make sure that it worked out. Looks like holding zero exemptions all year I am going to coast righ...
by jharkin
Tue Oct 30, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: How much does a car need to be driven?
Replies: 43
Views: 3606

Re: How much does a car need to be driven?

Interesting list, but some of your items a re a bit of overkill for a guy who drives a Subaru once a month... I don't know that 15 mins driving every month is enough to burn off moisture in the oil. It's definitely not enough to keep the battery charge maintained. All modern cars have parasitic batt...
by jharkin
Tue Oct 30, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: How much does a car need to be driven?
Replies: 43
Views: 3606

Re: How much does a car need to be driven?

Then why reply? It's the dealership where I bought it, the car is still under warranty, and I have always had great service from them. A dead battery wont be covered under warranty... You'll probably charged hundreds of dollars for a $100 battery and 2 minutes of labor to install it. When cars sit ...
by jharkin
Tue Oct 30, 2018 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Am I doing well financially?
Replies: 162
Views: 12637

Re: Am I doing well financially?

And I should add, we were not in as good a position as you at your age! Nor was I... or 95% of Americans. Thats the thing that gets lost in these threads. The standards and expectations on this board are stratospheric compared to average Americans. People are bashing this family, but if we look at ...
by jharkin
Mon Oct 29, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Running Tires Smaller than OEM size?
Replies: 15
Views: 810

Re: Running Tires Smaller than OEM size?

I would be concerned that an inaccurate speedometer could also cause problems with the safety features that use the speed as an input to the computer. Wouldn't things like ASC, ESC, automatic braking, etc behave differently depending on how fast they thought the car was moving? If that was also ove...
by jharkin
Fri Oct 26, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Retiring at 52, Please Critique Plan
Replies: 61
Views: 9515

Re: Thinking of Retiring at 52, Please Critique Plan

Wanted to provide everyone with an update in case anyone ends up in a similar situation and thank you for helping me think through this process. [*]We are not going the SEPP route. [*]Our attorney will proceed with filing for social security disability insurance. Although the process from applicati...
by jharkin
Fri Oct 26, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25641

Re: PSA: Don't buy a big house

I lived most of my life in 1,000 or smaller square foot apartments. Our current ~2,000 square foot house feels like a castle to me. I have no idea how people live in 3,000+ square foot houses. I'd probably get lost and call for help. Yeah I can't count how many times I get lost in my craftsman McMa...
by jharkin
Fri Oct 26, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25641

Re: PSA: Don't buy a big house

Will probably cost you NOT buying a bigger house. We decided not to buy a bigger house years ago. It would have been worth an extra $300,000 today. Does anyone actually like 8 foot ceilings? I feel like I'm in a dungeon in those houses. The bigger house won't necessarily appreciate more than a smal...
by jharkin
Fri Oct 26, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: New Range
Replies: 10
Views: 1050

Re: New Range

We went though something similar... When we bought the house it had a ~ 10 year old GE profile smoothtop... Worked fine but the house was plumbed for gas and we prefer a gas cookgtop. So we sold the profile and got a profile gas range. Well, the new one had warranty service 3 times in the first 2 ye...
by jharkin
Fri Oct 26, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: New Sink Drain Leaking
Replies: 15
Views: 987

Re: New Sink Drain Leaking

Are we talking about a kitchen sink, or a bathroom sink drain assembly with pop up drain? If bathroom: I have not had problems with the stock rubber gaskets sealing so long as you get it reasonably tight. Leak is obviously coming from the bottom gasket at the nut (any leak from the top gasket would ...
by jharkin
Tue Oct 23, 2018 10:59 am
Forum: Investing - Theory, News & General
Topic: 'Smart money' bailing on the market, time to get out?
Replies: 92
Views: 12244

Re: Smart money bailing on the market, time to get out?

(2) Stop reading Zerohedge. It's the worst sort of investment porn. Why do you qualify it as 'investment porn'? I started following them on Twitter because smart people like Cliff Asness, Nassim Nicholas Taleb or Jim O'Shaughnessy follow Zerohedge on Twitter too. So I concluded that it's probably g...
by jharkin
Tue Oct 23, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: House has major repair issues right after buying... options
Replies: 27
Views: 2317

Re: House has major repair issues right after buying... options

Wow that sucks... and I agree with the caution to beware of flippers. But look n the bright side - its just a couple of shower rebuilds. Could have been a lot worse - you could have had a bad roof, or a failing foundation, or found out the entire heating system had to be replaced.
by jharkin
Tue Oct 23, 2018 7:39 am
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5173

Re: 2019 Expenses > 2019 Income – Help us close the gap

I appreciate the comments about the cable bill being too high. I had called around over the summer to get quotes for Internet + streaming and didn't find that the savings would be as much as some people are saying they could be. I will renew my efforts and look into it again. Thanks very much. I wo...
by jharkin
Tue Oct 23, 2018 6:59 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25641

Re: PSA: Don't buy a big house

Calli114 wrote:
Mon Oct 22, 2018 11:30 pm
Gray wrote:
Mon Oct 22, 2018 10:00 pm
http://mcmansionhell.com

You’re welcome
Oh gosh, I had not looked at that for a LONG time, thanks.
The beige kitchen with white appliances. Must.Have. :shock:
That is my favorite website!! I love to show it to people who don't get why they are so ugly :)
by jharkin
Tue Oct 23, 2018 6:57 am
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 70
Views: 7894

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

Yup - this is similar to what I've seen in my family. Unfortunately, this is what many of us have waiting for us in the future, and the reason I take health-care and long-term care expenses very seriously in my retirement planning. It's easy to be in denial about this until you see it happening to ...
by jharkin
Mon Oct 22, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3514

Re: Car servicing

How could you possibly spend $100 to change the antifreeze and ATF on a civic?? A gallon of Honda type 2 coolant is about $15. Maybe $20 at a full price dealer. Honda DW1 atf is a about $8/qt and the civic takes about 3 quarts on a change. I’ve done those jobs, takes less than an hour. You assumed ...
by jharkin
Mon Oct 22, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Lost Power for 24 hours - what food to toss?
Replies: 49
Views: 3521

Re: Lost Power for 24 hours - what food to toss?

Pro tip. The cost of a generator is covered after one or two power outages. It is very nice to have a comfortable house, wi-fi, coffee, and good food while your neighbors sit in the dark. I would think a generator big enough to power a fridge, plus the cost of gas and maintenance would be quite a b...