Search found 11 matches

by creant
Fri Oct 09, 2020 2:26 pm
Forum: Personal Consumer Issues
Topic: Privacy: Internet Service Provider (Google Fiber?) + Router
Replies: 5
Views: 543

Privacy: Internet Service Provider (Google Fiber?) + Router

Internet Service Providers as well as many Routers themselves track all activity. For instance, Google Fiber's primary motivation for existence is to accumulate your data, which is worth more than the $70/mo they charge. Also, many people with the new Mesh Routers (including Google's product) are be...
by creant
Mon Sep 14, 2020 2:32 pm
Forum: Personal Consumer Issues
Topic: Optimal HVAC Size
Replies: 44
Views: 2789

Re: Optimal HVAC Size

This is actually an interesting question. Everyone agrees that on/off cycling causes more wear-and-tear than running continuously. But, if one is comparing a 5-ton vs a 4-ton unit, then a real world comparison may be: - 5-ton: runs 1200 hours per year, cycles on/off on average every 15/15 minutes. -...
by creant
Mon Sep 14, 2020 12:43 pm
Forum: Personal Consumer Issues
Topic: Limited Purpose FSA: What to Buy with Excess Funds?
Replies: 17
Views: 959

Re: Limited Purpose FSA: What to Buy with Excess Funds?

Assuming the optometrist/dentist was willing to accept a prepayment for a future date procedure, is this allowable under the LP-FSA rules? Specifically, is FSA reimbursement based on date of payment or date of service ? My understanding is that, for HSA's at least, it is DOS. does your optometrist o...
by creant
Sun Sep 13, 2020 11:37 am
Forum: Personal Consumer Issues
Topic: Optimal HVAC Size
Replies: 44
Views: 2789

Re: Optimal HVAC Size

Our current AC system (5 ton) also cycles about 3 times/hour on the hottest days, and our house is comfortable. When our AC needs replacement, I am debating about downgrading to a 4 ton system. Boglehead philosophy of improving inefficiencies vs. the tried-and-true philosphy of "if it ain't broke, d...
by creant
Sun Sep 13, 2020 11:25 am
Forum: Personal Consumer Issues
Topic: Limited Purpose FSA: What to Buy with Excess Funds?
Replies: 17
Views: 959

Limited Purpose FSA: What to Buy with Excess Funds?

If one has $2000+ of excess funds in a Limited Purpose (Dental/Vision) FSA, what are some large expense ideas to use these funds in a non-wasteful way?
by creant
Sun Sep 13, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: Optimal HVAC Size
Replies: 44
Views: 2789

Optimal HVAC Size

My general understanding is that, in a perfect world, the optimal HVAC size requires the AC unit, on the hottest day of the year, to run continuously in order to maintain the desired temperature. There are other schools of thought (misinformation?) that say a properly sized HVAC should preferably cy...
by creant
Fri Aug 07, 2020 10:07 am
Forum: Personal Finance (Not Investing)
Topic: GEICO Umbrella: Significant Increase in Premium
Replies: 28
Views: 3005

Re: GEICO Umbrella: Significant Increase in Premium

Insurance industry insider here. It seems you may be misunderstanding the premium increase. Umbrella insurance premiums are not split into coverage for your car, house, etc. Your underlying risk items are factors in pricing, but you only have one combined premium for umbrella insurance. Umbrella in...
by creant
Thu Aug 06, 2020 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO Umbrella: Significant Increase in Premium
Replies: 28
Views: 3005

GEICO Umbrella: Significant Increase in Premium

GEICO has significantly increased the premium for my Umbrella insurance by 90% for the cars, no change for the house, and 60% for the 2nd million coverage. When I called and asked why, they said it has nothing to do with me personally but, instead, my state has seen significant increased claims and ...
by creant
Mon Jun 29, 2020 3:34 pm
Forum: Personal Consumer Issues
Topic: Cost of Adding a Sprinkler Head to an Existing Zone
Replies: 9
Views: 924

Cost of Adding a Sprinkler Head to an Existing Zone

What is a fair price to pay (including parts and labor) for adding an extra sprinkler head to an existing zone? Assume the existing zone has already 6 rotary sprinkler heads in the shape of a dice #6 and that the additional sprinkler head will be between the bottom 2 dots. Thank you.
by creant
Wed Apr 15, 2020 5:50 pm
Forum: Personal Consumer Issues
Topic: ADT Control Pad
Replies: 3
Views: 232

ADT Control Pad

I have an active ADT "control pad" on our garage wall from the prior house owner, although we do not subscribe to ADT. The control pad is powered via an AC outlet that has wires going into the drywall to the control pad. I would like to remove the entire system. Does anyone know how I can "take out"...
by creant
Wed Apr 15, 2020 8:51 am
Forum: Personal Consumer Issues
Topic: Yard Leaves: Mulch or Blow?
Replies: 21
Views: 1124

Yard Leaves: Mulch or Blow?

Landscapers gave a quote to Mow/Mulch leaves in the yard for $170. Or to Mow/Blow leaves in the yard for $320.

What would you do and why?