Search found 66 matches

by unstartable
Thu Feb 14, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Buying a 2019 RAV4 hybrid - how to pay for it?
Replies: 76
Views: 3614

Re: Buying a 2019 RAV4 hybrid - how to pay for it?

You should buy the car. I would finance with the lowest interest rate possible, which may be through the manufacture or shop a low rate from a bank. Rates below about 3% (depending on term) are likely subsidized by the manufacture. I thought 401k/403b loans had to be repaid with after tax dollars. Y...
by unstartable
Mon Feb 11, 2019 11:10 am
Forum: Personal Consumer Issues
Topic: On demand electric water heater
Replies: 34
Views: 1926

Re: On demand electric water heater

The other concept is a hot water recirculating pump. In most cases, a fixture near the end of the run has a special bridge valve that connects the hot side to the cold side to allow the pipes to form a loop. Another valve and pump near the water heater sends hot water down the hot line and gets sem...
by unstartable
Mon Feb 11, 2019 9:14 am
Forum: Personal Consumer Issues
Topic: On demand electric water heater
Replies: 34
Views: 1926

Re: On demand electric water heater

My whole house is on a gas tankless that is 200,000 btu. It works great. We are not on a circulation system as water is plentiful and inexpensive where I live. It does take a few seconds longer than a tank water heater to come up to temp, but the difference is pretty small. Is there any chance you c...
by unstartable
Thu Feb 07, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: replacing tires on AWD cars do you have to do all 4
Replies: 83
Views: 3889

Re: replacing tires on AWD cars do you have to do all 4

For OP, you should following the instructions in your owners manual. I think the problem has the most to do with how the manufacture has implemented some type of limited slip system into the differentials. An open differential will not overheat or have other problems if the tires are different sizes...
by unstartable
Mon Feb 04, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: Mazda Miata as Daily Commute Fun Car?
Replies: 94
Views: 4745

Re: Mazda Miata as Daily Commute Fun Car?

1) Sit in one. When you are serious, ask to take it home for a day. I find cars with a low hip point more comfortable for cars with a higher seating position. 2) It probably will be more expensive to own than one of the economy cars you mention, but should be less expensive than a loaded suv or low/...
by unstartable
Wed Jan 23, 2019 8:39 am
Forum: Personal Finance (Not Investing)
Topic: cash-back credit card with automatic redemption
Replies: 19
Views: 1244

Re: cash-back credit card with automatic redemption

I have the Fidelity Card set for auto redemption. It does it every month when the rewards balance is over $50, I think. If it's less than $50, it just builds until the next month.
by unstartable
Fri Jan 18, 2019 8:26 am
Forum: Personal Consumer Issues
Topic: Car Rental - Getting specific type of car
Replies: 19
Views: 1284

Re: Car Rental - Getting specific type of car

BTW, 4x4 and AWD mean the same thing, except some people believe that to be called 4x4 you have to be able to lock the differentials (not true, but accepted language). There is 0 need for this on normal roads (even unpaved). Rental agreements anyway preclude you from going outside paved roads. You ...
by unstartable
Wed Jan 16, 2019 9:10 am
Forum: Personal Consumer Issues
Topic: Gillette Mach 3 alternatives
Replies: 81
Views: 6328

Re: Gillette Mach 3 alternatives

I have a pretty coarse beard and shave every day. I think Schick Hydro 5 gives the best, most comfortable shave, but use the Kirkland razors because of price. Either one will last a week.
by unstartable
Sun Jan 06, 2019 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Home Addition Financing
Replies: 16
Views: 1211

Re: Home Addition Financing

Single story ranch houses are VERY desirable in my area because of baby boomers looking for retirement homes so adding a second story to your house would in some ways make it less desirable. The value of your home when you look at the cost per square foot may go down because it is no longer a desir...
by unstartable
Fri Dec 14, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Audi S4 vs S3
Replies: 36
Views: 2310

Re: Audi S4 vs S3

I have a TT which is on the same platform as the S3. It is perfect for what I want. Driving dynamics are good enough, Haldex AWD is fine, they have come a long way. There's enough power with the lower tuning of the 2.0 in the standard TT, the S3 has another 60 hp... I use to think manuals were all t...
by unstartable
Mon Nov 19, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: which snow blower ?
Replies: 58
Views: 3659

Re: which snow blower ?

I have a 2 stage made by MTD that I got for free. It works pretty well, but is constantly falling apart so it requires lots of maintenance. I have a steep hill and it has tracks which help a lot. If I were replacing it I would buy an Ariens with tracks.
by unstartable
Thu Nov 15, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Any space heaters that automatically maintain a temperature in a room!
Replies: 37
Views: 3307

Re: Any space heaters that automatically maintain a temperature in a room!

What fuel and what kind of system does your apartment's heat have? There will likely be little to no savings, especially with that many people who likely sleep in different rooms.
by unstartable
Thu Nov 15, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Upstairs Floor is No Longer Used....
Replies: 22
Views: 2851

Re: Upstairs Floor is No Longer Used....

I would set the upstairs system about 10 degrees colder in the winter (not below 55) and warmer in the summer than the downstairs system and leave the doors open. You'll get some savings from less cooling and heating and air will circulate through those rooms naturally. I think most people overestim...
by unstartable
Fri Nov 02, 2018 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Extreme credit card debt
Replies: 37
Views: 4361

Re: Extreme credit card debt

Do you own a home? Perhaps you could refinance and get some of the debt to a more reasonable interest rate.

What was the business?
by unstartable
Fri Aug 31, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 97
Views: 9576

Re: New Brake Pads

Did you ask them to look at the brakes? It's not the sort of thing you'd just happen to notice when doing an oil change or just walking around the car. Unless the brakes are so bad they had trouble stopping or the wear indicators where squealing, in which case you should have already noticed. If no...
by unstartable
Fri Aug 31, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Looking for a good Moving Company. All have awful reviews.
Replies: 21
Views: 1032

Re: Looking for a good Moving Company. All have awful reviews.

I've had good luck hiring someone locally to load and unload a truck. Is it at all possible for you to drive a rented truck yourself?
by unstartable
Thu Jul 05, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 7086

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

I really appreciate the discussion - helping me learn as this is the first time I've found myself with some acreage needing a truck. Newbie truck owner questions - I don't see much of a payload difference between the trucks. The F150 goes 1,485 to 2,311 lbs (with the payload package), the Ridgeline...
by unstartable
Tue Jun 19, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 5966

Re: How much car to buy reasonably?

Audi TT mk3. or TTS, or TTRS.
by unstartable
Thu Jun 14, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: cooling upstairs floor without central AC
Replies: 26
Views: 2502

Re: cooling upstairs floor without central AC

The cost of cooling just a bedroom for sleeping with a window air conditioner is really pretty minimal.
by unstartable
Sun Jun 10, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 7294

Re: Need advice on 1st international vacation

I would avoid Japan/China/Asia (other than perhaps Hong Kong/Singapore) if you are worried about the language, as it is a bit more difficult to get around (though still not really a problem, as there is a lot of tourism). Also, if you are not experienced with long flights, I'd avoid S. Africa, New ...
by unstartable
Wed May 30, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Used car buying advice!
Replies: 41
Views: 3638

Re: Used car buying advice!

A minivan might be a workable option. Resale on them seems about 2000 less than a comparable suv. Also a Mazda 5 may be a good option that is inexpensive to buy and operate.
by unstartable
Wed May 02, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: New AC - Brand/SEER
Replies: 16
Views: 1281

Re: New AC - Brand/SEER

If that gas is propane not natural gas I would give serious consideration to a heat pump with your current furnace for very low temperatures.
by unstartable
Wed May 02, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 117
Views: 14491

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

Reliability rankings don't mean very much. What is important is the difference in the reliability. 30 years ago, there were wide gaps in reliability. Most car companies have now substantially closed the gaps in reliability. This. Buy the vehicle you like the most that meets your needs at a price th...
by unstartable
Wed May 02, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: New AC - Brand/SEER
Replies: 16
Views: 1281

Re: New AC - Brand/SEER

I have a Carrier 19 SEER 5 stage A/C in Connecticut. I am sure the difference in energy will not make up the difference in price, even with electricity approaching $0.20 kw/hr. I went with a Carrier because the previous ac/furnace in the home I purchased lasted almost 40 years and it was still worki...
by unstartable
Sat Apr 28, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 7828

Re: Learning to drive stick

NEVER get a stick without a hand brake. You need a hand brake (NOT the foot push type) to be safe on a hill Though I've ridden with people who use the handbrake all the time with their stickshift cars, I'll admit that in decades of stick driving I've not used this method more than 2-3 times. And I ...
by unstartable
Fri Apr 27, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 7828

Re: Learning to drive stick

There is no reason to use the parking brake to start on a hill. :confused Using the parking brake is how you avoid unnecessary clutch slippage. Otherwise, as soon as you come off the brake, the car starts rolling backwards, and you have to slip the clutch to overcome the backwards momentum without ...
by unstartable
Fri Apr 27, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 7828

Re: Learning to drive stick

There is no reason to use the parking brake to start on a hill.
by unstartable
Wed Apr 25, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Who benefits from "best and final offer" on condo?
Replies: 107
Views: 7718

Re: Who benefits from "best and final offer" on condo?

I was in a similar situation on a house that was just listed with an asking price near the market value of the home. We submitted an offer for the asking price. There was another bidder. We were asked again for a best and final, and replied with our original bid, stating it was best and final. We en...
by unstartable
Wed Apr 25, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: Difference in Difficulty Driving Moving Trucks By Size
Replies: 18
Views: 2001

Re: Difference in Difficulty Driving Moving Trucks By Size

I've driven smaller moving trucks, the largest Penskee truck, and fully loaded pickup trucks (5,000 lbs with a fairly high center of gravity, in the bed, not towing). You should be fine, be aware of the handling characteristics of large vehicles. And most importantly, drive at reasonable speeds . Th...
by unstartable
Mon Apr 23, 2018 8:50 am
Forum: Personal Investments
Topic: 403b
Replies: 32
Views: 2808

Re: 403b

Your IRA can be moved to any company you choose. Your 403b, on the other hand, must be with a company your employer chooses to work with, but can be rolled into an IRA (with any company) if you leave your employer. If you don't plan on leaving for 5 years, you may want to see what other 403b provide...
by unstartable
Mon Apr 16, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 7359

Re: Costco gas

The "top tier" stuff is essentially just a certification that the gas contains a certain group of additives. It's not necessarily better quality than any other gas. If you have a motor with direct injection (many newer cars), your engine will not benefit from any of the detergent additives, althoug...
by unstartable
Mon Apr 09, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 151
Views: 12378

Re: Cash flow problems - best way to handle?

Can you do a (some) cash out refi to a new 30 year loan with a smaller payment? I think that housing cost is killing you. Presumably you can find a less expensive place to live when your kids are grown.
by unstartable
Mon Apr 09, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Honda reliability slipping?
Replies: 58
Views: 7529

Re: Honda reliability slipping?

I feel that car reliability is close enough among manufactures that most people should go out and test drive and inspect every vehicle with a nearby dealer in the class they are interested in and buy the one they like the most.
by unstartable
Fri Mar 30, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 873
Views: 159290

Re: Boglehead Beer

I think we have similar tastes. These are some of my favorites Rogue Dead Guy Ale Duvel Ayinger - especially the doppelbock Unibroue -Maudite, Fin Du Monde Andechs Dunkelweizen & Doppelbock Reissdorf Kölsch Fuller's London Pride Weihenstephaner Hefeweizen Spaten Oktoberfest St. Bernardus Troegs - T...
by unstartable
Thu Mar 29, 2018 8:19 am
Forum: Investing - Theory, News & General
Topic: Should I be worried about the S&P Index fund ?
Replies: 51
Views: 7052

Re: Should I be worried about the S&P Index fund ?

I have the same feelings about some of the companies at the top of the S&P, especially Facebook. I guess I could take a small short position in Facebook to go with my total market fund, but probably wouldn't be worth the effort even if I was correct.
by unstartable
Thu Mar 29, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 873
Views: 159290

Re: Boglehead Beer

I like full flavor beers made without corn or rice. I also prefer traditional styles. German, Belgian, and British imports, as well the American microbrews that copy these styles are what I enjoy most. Weihenstephaner Spaten St. Bernardus Troegs Weyerbacher IPAs are fine on a warm summer day, but th...
by unstartable
Mon Mar 26, 2018 1:47 pm
Forum: Personal Investments
Topic: Lowest fees for 403(b) for Texas Teacher
Replies: 19
Views: 1748

Re: Lowest fees for 403(b) for Texas Teacher

Lots of high-fee companies in that list. Off the top of my head USAA may be worth looking into as less bad than the others.

403bcompare.com let's you compare plans in California, which are likely similar to what the offerings from various companies are in Texas.
by unstartable
Mon Mar 26, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Non-Owner Car Insurance
Replies: 11
Views: 1480

Re: Non-Owner Car Insurance

Would ZipCar be an option for you? It may be worth looking into.
by unstartable
Wed Mar 21, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 148
Views: 14565

Re: What is your favorite reasonably priced bourbon?

None of that trash from MGP (look it up) What a ridiculous statement. If you're telling other people to "look it up," I'm sure you're aware that MGP has many award winning liquors? Now, don't get me wrong, I think it's quite shady that people buy a wholly MGP produced liquor and rebrand it as their...
by unstartable
Wed Mar 21, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Car Trade-In Question
Replies: 21
Views: 2582

Re: Car Trade-In Question

If she has a car picked out, trying making a deal and having the trade appraised at a different Toyota dealer with the scratch. Estimate how much they are discounting by, then decide to fix or not.
by unstartable
Wed Mar 21, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Buying vs renting - really tough decision to make
Replies: 64
Views: 5621

Re: Buying vs renting - really tough decision to make

What's your current savings rate? How much goes in the retirement/taxable/investment properties vs how much you make? I fear buying may negatively impact your rate. I can buy our unit with a years savings, age 34, mainly bc we keep recurring costs low thru debt free modest housing and cars. Small h...
by unstartable
Wed Mar 21, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 148
Views: 14565

Re: What is your favorite reasonably priced bourbon?

Surprised by all the love for Makers 46. That and Johnnie Walker Double Black both taste to me like they took their standard bourbon (or scotch), and stuck it in a blender with a lump of charcoal. That's part of the appeal for me. The peat smoke in Johnnie Walker Double Black from Islay Scotch blen...
by unstartable
Wed Mar 21, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: Kettlebell Swing experience?
Replies: 50
Views: 5237

Re: Kettlebell Swing experience?

I think Starting Strength (book, website, podcast, etc.) is a great place to start. It changed my life. I also think kettlebell swings are an excellent exercise and definitely can/should be part of the exercises done regularly.
by unstartable
Mon Mar 19, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 148
Views: 14565

Re: What is your favorite reasonably priced bourbon?

Surprised by all the love for Makers 46. That and Johnnie Walker Double Black both taste to me like they took their standard bourbon (or scotch), and stuck it in a blender with a lump of charcoal. That's part of the appeal for me. The peat smoke in Johnnie Walker Double Black from Islay Scotch blen...
by unstartable
Mon Mar 19, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: 9th grade earth science honors or biology honors
Replies: 28
Views: 2339

Re: 9th grade earth science honors or biology honors

As a high school science teacher, I would recommend the parents have a discussion with the student's current science teacher.
by unstartable
Sun Mar 18, 2018 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Purchasing 1st Car under 3K
Replies: 33
Views: 2691

Re: Advice on Purchasing 1st Car under 3K

A lot of cars in that price range are bought by someone flipping the car. Beware of a title that is already signed and cars that aren’t registered. Usually these folks to a couple of really shoddy repairs on a junker and resell.
by unstartable
Thu Mar 15, 2018 6:51 am
Forum: Personal Consumer Issues
Topic: Tires on a 15 year old car....Replace or not?
Replies: 79
Views: 6400

Re: Tires on a 15 year old car....Replace or not?

15 years?!? I would replace.
by unstartable
Tue Mar 06, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Which car, Porsche Cayenne or Volvo XC90?
Replies: 71
Views: 6678

Re: Which car, Porsche Cayenne or Volvo XC90?

RRAAYY3 wrote:
Mon Mar 05, 2018 3:58 pm
Honda

or Toyota

Unless you care about impressing people with emblems.
There are people who enjoy driving and care about driving dynamics.
RRAAYY3 wrote:
Mon Mar 05, 2018 9:22 pm
More fun than my old Audi to drive
Not likely more fun than my Audi.
by unstartable
Wed Feb 07, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 21893

Re: For BHs who actually like cars - [what car do you drive every day?]

Audi TT RS (6-speed Manual) Mazda MX5 (6-speed Manual) Honda S2000 (recently sold, dearly missed). TT RS is a monster. The engine sound gives me giggles. The MX-5 is fun too, but DW drives it more. I'm very lucky - not only does DW know how to drive manual, but she actually prefers it to an auto-tr...
by unstartable
Mon Feb 05, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 21893

Re: For BHs who actually like cars - [what car do you drive every day?]

2017 Audi TT because light weight and driving dynamics. I'm sure someone who hasn't driven one will point out the limitations of FWD-based AWD systems, but skid pad numbers and lap times for the powerful RS version say otherwise.