Search found 459 matches

by NHRATA01
Fri May 25, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Alzheimer's Disease, Long Term Care, and your Retirement Finances
Replies: 83
Views: 7428

Re: Alzheimer's Disease, Long Term Care, and your Retirement Finances

Here's my long term care plan: https://www.cnn.com/2018/05/10/health/david-goodall-australian-scientist-dies-intl/index.html I have no intention of enduring Alzheimer's in any form or fashion, and would be gone long before LTC would be required. I don't personally consider such a minimal existence ...
by NHRATA01
Fri May 25, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 273
Views: 34714

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Do we know what year the oil-gas dilution issue reared it's ugly head? I have a 2012 CR-V EX with about 60,000 miles on it. Mainly affecting the 1.5L turbo engine that Honda started using in the 2016 Civic and the CRV in 2017. Seems related to the use of small-displacement turbo engines with direct...
by NHRATA01
Mon May 21, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Best used SUV, Wagon, Hatch, Pickup under $10k
Replies: 34
Views: 2776

Re: Best used SUV, Wagon, Hatch, Pickup under $10k

Funny, it was only a couple days ago I read a Jalopnik article extolling the virtues of the Pontiac Vibe wagon. They can be had quite cheap, and are the sister to the Toyota Matrix, which was built off the Corolla platform. In other words, rock solid reliability, but with the discount of a domestic ...
by NHRATA01
Fri May 18, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 2867

Re: Brake work estimate

Would you go to carforum to ask advice about investing? why not? If you want to replace Explorer brakes, I bet there are better forums than this one. Some of us who post on investing forums are knowledgeable enough to provide useful automotive advice. Likewise some of us who also post on automotive...
by NHRATA01
Thu May 17, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: DIY AC freon for car or professional fill up
Replies: 15
Views: 1549

Re: DIY AC freon for car or professional fill up

Update AC is blowing ice cold so it is working fine. Why is my car acting like it has more horse power now? I noticed it is much more powerful. Does that make sense? If the A/C is properly charged the A/C will cycle on and off more frequently. If it's low, the compressor may run and run and run, wh...
by NHRATA01
Wed May 16, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 2867

Re: Brake work estimate

I would also question the need for new rear pads and rear rotors. Typically last twice as long as your front under "normal" circumstances. That's not always true. A lot of modern cars will bias the rears under light braking to help promote even wear, which in a car that seldom sees firm braking may...
by NHRATA01
Wed May 16, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 2867

Re: Brake work estimate

Price sounds about right. FYI. Replacing pads and rotors is actually a fairly easy DIY task even for someone who's not particularly handy. No, no it's really not. Its an easy DIY for someone who understands cars and how the braking system works, and dabbles in basic mechanical repairs. Someone who ...
by NHRATA01
Mon May 14, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 138
Views: 7182

Re: Is there a boglehead muscle car?

Can't go wrong with picking up a current gen V6 Camaro, particularly used for a deal. 335hp and a great handling chassis. Runs the quarter (~13.8@102ish) only a bit slower than the late 90s LS1 cars did, and about as fast as the early/mid 90s LT1 cars.
by NHRATA01
Mon May 14, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 138
Views: 7182

Re: Is there a boglehead muscle car?

I'm sorry but if you're asking for a muscle car a Honda Civic or other "performance compact" really isn't going to cut it. A boglehead muscle car is probably either a Mustang GT or Camaro SS (1SS trim), both which are pushing upwards of 450hp, rear drive and easy to find with a manual transmission. ...
by NHRATA01
Fri May 11, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Used car, $20K-$25K
Replies: 43
Views: 3789

Re: Used car, $20K-$25K

If you're looking for something more sporting, being you have the LaCrosse on there and aren't shied away from Buicks, what about the Regal GS instead? They have very bad depreciation so you can find a great deal. Also have transferrable 4/50 B2B and 6/72 powertrain warranties. Had a '12 myself whic...
by NHRATA01
Mon May 07, 2018 11:02 am
Forum: Investing - Theory, News & General
Topic: How does stock buyback benefit investors?
Replies: 78
Views: 6069

Re: How does stock buyback benefit investors?

... (and a benefit to executives for increasing the shareprice making options more valuable). Methinks you have identified the primary driver. :greedy Also makes the earnings per share number look better to Wall Street, and again achieving those executive compensation targets ;) I worked for IBM fr...
by NHRATA01
Wed May 02, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: If you really like the CR-V, you should check out the [_____]
Replies: 79
Views: 6339

Re: If you really like the CR-V, you should check out the [_____]

I can't see myself ever driving one of these cute utes, but I will say the CX-5 seems the most appealing. FWIW in the latest issue of Motor Trend it beat out the Lexus NX in a one on one comparison.

Or since I prefer some pep in my ride I'd consider the Equinox 2.0T.
by NHRATA01
Tue Apr 24, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Mowing with a ZTR - sharpening blades
Replies: 22
Views: 1583

Re: Mowing with a ZTR - sharpening blades

I usually just use an auto jack on the front, climb under there and pull each one off. Throw it on a bench grinder and put a new edge on it. Never really considered the balance, you're not really taking a ton of material off the edge. I haven't balanced a blade in 15 seasons of sharpening them mysel...
by NHRATA01
Tue Apr 03, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: HVAC: R22 Freon leak, Replaced by 427A Retrofit
Replies: 14
Views: 1140

Re: HVAC: R22 Freon leak, Replaced by 427A Retrofit

My sense is there are a lot of commercial and industrial R22 machines out there, and if there was an acceptable drop in, it would be widely used. So my suspicion would be a residential drop in would not be ideal for a long term plan. Thank you for mentioning this. I've been considering a "dry" repl...
by NHRATA01
Mon Apr 02, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: HVAC: R22 Freon leak, Replaced by 427A Retrofit
Replies: 14
Views: 1140

Re: HVAC: R22 Freon leak, Replaced by 427A Retrofit

I had also heard that of the drop in R22 replacement. It is not as efficient of a refrigerant as R22 and will add more load to the compressor which can kill it quicker. I'll throw this in - we have industrial grade older R22 chillers at my work site. R22 is rapidly increasing in price, and getting s...
by NHRATA01
Wed Mar 07, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: What if you have a poorly rated car?
Replies: 47
Views: 3295

Re: What if you have a poorly rated car?

First, the cost to purchase new is already sunk and the fact it is a Dodge (car?) after 4 model years means it is well into the depreciation curve and the money (on paper) is already lost. So realistically from a financial standpoint it is already too late to course correct. Second, I would try to f...
by NHRATA01
Tue Feb 20, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Mixing fuel octanes for cars
Replies: 57
Views: 3857

Re: Mixing fuel octanes for cars

If the car is rated for 91, I would certainly say just running 93 is worth the $100 per year over the hassle of mixing at the pump. The other reality is this - the car may be tuned for 91 (since it is the highest octane available in some states like CA vs 93), but it will probably make slightly more...
by NHRATA01
Tue Feb 20, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Price of home heating oil vs gasoline?
Replies: 18
Views: 727

Re: Price of home heating oil vs gasoline?

Where I am in NY I find I pay about parity for 87 gasoline and home heating oil. Of course this is also heavily dependent upon the oil company's pricing - we have a large company with auto delivery and service plans, etc, that charges probably close to 50 cents more per gallon for HHO over the disco...
by NHRATA01
Fri Feb 16, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 18113

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

It's funny how so many bogleheads will fight tooth and nail to pay say .25% less in fees on retirement funds but have no problem buying an expensive car. Not a criticism but an interesting observation. There's a tangible enjoyment taken in buying a nice car if you are an auto enthusiast, over an ap...
by NHRATA01
Tue Feb 13, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 18113

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

A 1999 Pontiac Fire-bird Trans AM convertible with 6 speed manual, 327 horse, 5.2 liter displacement with 37,000 original miles. :D Affordable excess and fast From a fellow 2001 driver let me be the nitpicky owner and correct that to a proper 5.7 liters. :sharebeer I am in the middle of exchanging ...
by NHRATA01
Fri Feb 09, 2018 10:43 am
Forum: Investing - Help with Personal Investments
Topic: IRA withdrawals and withholding/underpayment question
Replies: 4
Views: 310

IRA withdrawals and withholding/underpayment question

Specifically for a beneficiary distribution IRA, but I believe it is applicable to any IRA. I have looked around online and it's not clear - will the IRS subject you to an underpayment penalty if you do not withhold a sufficient amount from the distribution AT THE TIME OF WITHDRAWAL? For the sake of...
by NHRATA01
Tue Feb 06, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 18113

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

2016 Chevy SS Sedan. Most enjoyable daily driver I can imagine without spending twice as much for an M or AMG. Roomy sedan for 3 kids, huge trunk, 415hp, and wonderful LS3 V8 noises. Only regret is I had to settle for an auto as the wife can't drive a manual (for the 3 times a year she has to use my...
by NHRATA01
Tue Jan 30, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Which of these mechanic-recommended services would you pay for?
Replies: 55
Views: 3981

Re: Which of these mechanic-recommended services would you pay for?

Well the first question is the relationship with this mechanic, is he long trusted? If not, it's worth a second opinion and a second quote for those services. Reading the list, none reek of trying to nickel and dime depending on the age of the car. 1. P/S fluid is often neglected because most manufa...
by NHRATA01
Mon Dec 04, 2017 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Did I miss the Boat ??. What is everybody's take on RE trend in NY Tri-state ??
Replies: 5
Views: 706

Re: Did I miss the Boat ??. What is everybody's take on RE trend in NY Tri-state ??

Has it been significantly exceeding the average nationwide though? I live in Dutchess County which is probably on the outer limits of what could be considered the metro area, and except for a bit of a dive during the Great Recession, it's been a fairly slow and steady rise in my home value since the...
by NHRATA01
Tue Nov 21, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 54
Views: 6732

Re: Drive it till it dies. It died.

The transmission (CVT) went out in my 2010 Nissan Murano with 140K miles. It will cost $6,000 to replace the CVT at the dealership. I don't want to put anymore money into the car. I already spent $4,500 earlier this year. How do I sell a car that won't run if I don't trade it in at the dealership? ...
by NHRATA01
Tue Nov 21, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 119
Views: 12165

Re: Has used furniture dropped in value dramatically?

I just bought a 3.5 k sofa bed. I saved for it. I wanted it. It was not a quick spontaneous purchase. I am very happy with it. I love beautiful furniture. I have several solid wood pieces which are beautiful. I really don't care about resale value. It s too bad millenials don't like quality. I'm al...
by NHRATA01
Tue Nov 21, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: LED Lightbulbs - Recommended Brands
Replies: 48
Views: 3295

Re: LED Lightbulbs - Recommended Brands

Interesting, I have quite a few, probably a dozen or so, 40 and 60 watt equivalent Cree with the heat sink design installed between '12 and '14, all still going just fine. I was also an early adopter and even have 4 of those old ugly Philips bulbs (not the L-prize but the cheaper version) and those ...
by NHRATA01
Tue Oct 24, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 68
Views: 5458

Re: what is your weekly workout routine?

38, started lifting when I was 14. Though I regret being one of the bench/curl kids for a few years who'd never touch a squat. Which is ironic because last Sunday while squatting some teens come into the gym and hit the bench then do a group curling session before leaving. Anwyays... Start with abou...
by NHRATA01
Thu Oct 12, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: SUV options with 3 little kids
Replies: 57
Views: 4478

Re: SUV options with 3 little kids

Traverse is brand new for '18 and by most reviews vaulted up to among the top of the class. We have had 3 of the older model and have been very content, certainly among the roomiest in the class. Kids are currently 10/8/5, but we've had one since they were 3/1/twinkle in the eye. The Acadia used to ...
by NHRATA01
Mon Oct 09, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: So my mechanic said....
Replies: 31
Views: 5941

Re: Re:

After reading this thread I went and looked at my car manual. (I have a 1997 Chevy Lumina sedan) It says that "D" (with a little circle around it) has the overdrive and is to be used for normal driving. The "D" is a slightly lower gear (or, doesent shift into overdrive, really) and is to be used fo...
by NHRATA01
Mon Oct 09, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 115
Views: 16871

Re: Changes to NYS Deferred Compensation Plan

I believe those charges are in basis points which are 100ths of a percent, ie 2 basis points =0.02%. Kind of recall reading that somewhere in the documentation when figuring out the ER.
by NHRATA01
Mon Oct 09, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: Do I replace AC evaporative coil or get a new unit?
Replies: 26
Views: 2166

Re: Do I replace AC evaporative coil or get a new unit?

Thanks for the input and price ranges. If you're not familiar with these systems (and I am not) it's very difficult to discern what is reasonable. There was also discussion how labor intensive it was to create a vacuum (or a clean line) in a closed system. How important is that in the installation ...
by NHRATA01
Wed Oct 04, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Do I replace AC evaporative coil or get a new unit?
Replies: 26
Views: 2166

Re: Do I replace AC evaporative coil or get a new unit?

The fact that it's only 7 years old and 410a would make me lean towards replacing just the coil but getting a 2nd quote.
by NHRATA01
Thu Sep 28, 2017 9:38 am
Forum: Investing - Help with Personal Investments
Topic: 403(B) advisor advice to wife
Replies: 36
Views: 3314

Re: 403(B) advisor advice to wife

Perhaps there is an international or ex-US index available she could use instead for international equities diversification? Other point is, and I know we don't try to time markets here, but hasn't large growth generally outperformed large value over the past few years, suggesting greater potential ...
by NHRATA01
Tue Sep 19, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: Data-driven individual stock approach
Replies: 28
Views: 1981

Re: Data-driven individual stock approach

Reading the OP, I am reminded of one of my favorite engineering memes on the subject of investing.

Image
by NHRATA01
Mon Aug 28, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Fixing Slow Drains
Replies: 40
Views: 3954

Re: Fixing Slow Drains

I have found the chemical cleaners work OK on the hair in showers and bathroom sinks. I try to avoid their use for some of the reasons mentioned here (and if you have older metal pipes, not PVC I would not use them at all). Using a "drain wig" you can find cheaply on Amazon does a good job at collec...
by NHRATA01
Fri Jun 23, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]
Replies: 66
Views: 7571

Re: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]

itstoomuch wrote:Wires and cap?
Neither of which exist on a car with coil-on-plug ignition.

Hopefully your next suggestion isn't to adjust the idle air mixture on the carb ;)
by NHRATA01
Wed Jun 21, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: is luxury car a smarter purchase?
Replies: 102
Views: 9706

Re: is luxury car a smarter purchase?

Read the Lexus forums and read about the money-pit stories with BMWs, Audis, and Mercedes. There are tons of refugees from these brands. And actually, you can pick up a used high-end Euro car for a low price because everyone knows about the high cost of maintaining these, along with their fragile m...
by NHRATA01
Tue Jun 20, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]
Replies: 66
Views: 7571

Re: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]

If it was misfiring long enough, it's possible that the excessive fuel going out the exhaust has fouled the catalytic converter and that could be causing some of the remaining shuddering. Particularly if the engine feels sluggish and gets worse mileage as a result of the exhaust restriction. The O2 ...
by NHRATA01
Tue Jun 20, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: is luxury car a smarter purchase?
Replies: 102
Views: 9706

Re: is luxury car a smarter purchase?

Luxury cars have the absolute worst depreciation, by far in the industry. And the higher in price, the more you lose. You look at the 3 year resale on something like an S-class, 7-series, A8, Quattroporte, it's awful. I mean think about it, you can pick up a 3 year old car that sold for 100K new, fo...
by NHRATA01
Mon Jun 19, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]
Replies: 66
Views: 7571

Re: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]

P just means "powertrain" as far as OBD2 codes are concerned. The codes suggest new plugs and wires are probably in order and looks to be a bad coil on one of them, so I would start there. Although it is no guarantee that the misfire is being caused by the ignition system but from here it's the logi...
by NHRATA01
Mon Jun 19, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 5889

Re: Turbochargers

We keep our vehicles for 12-18 years so this trend is a concern. For the kids we bought or passed down older subarus and with careful maintenance you can get 200K or more miles out of them. Denver is full of 200X model year subaru's with typically over 200K miles HOWEVER you will find almost zero o...
by NHRATA01
Mon Jun 19, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 5889

Re: Turbochargers

I am skeptical of the idea that turbocharged gasoline engines can now be built with the same high compression ratios as can be used on non-turbocharged/non-supercharged gasoline engines (assuming operation at sea level atmospheric pressure conditions),if the engine in order to preserve reliability ...
by NHRATA01
Fri Jun 16, 2017 9:13 am
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 5889

Re: Turbochargers

Modern OEM turbos tend to be water cooled, and almost all manufacturers spec synthetic or synthetic blends for their turbo cars. It really is not necessary to leave the car idling after NORMAL driving and wasting gas. Now, if you were out having some fun, running wide open throttle, then yes I would...
by NHRATA01
Thu Jun 15, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 115
Views: 16871

Re: Changes to NYS Deferred Compensation Plan

Looking through the fund fact sheets, the Black Rock equity and US debt index funds show an ER of 0.00%, although below state it is 0.02%. I'm certain it can't be zero, so I assume for my comparison purposes 0.02% is the number to go with? Likewise the Russel 2500 shows 0.01% but then states 0.02% a...
by NHRATA01
Tue Jun 06, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Recommendations on Home Alarm Systems
Replies: 18
Views: 2578

Re: Recommendations on Home Alarm Systems

I always tell friends to not utilize the brand-specific security signs/stickers on their house. Why would you give anyone passing by such a key piece of information about your home's security? Just utilize a generic security sign. I use brand-specific security signs/stickers on my house. I just lac...
by NHRATA01
Fri Jun 02, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: Car engine dispute
Replies: 29
Views: 3301

Re: Car engine dispute

If you want to simply reduce the oil consumption and your cost, use the cheapest 10W 40 non synthetic you can find. The thicker oil will reduce usage and non synthetic is much cheaper. This also works with Subaru FA and FB engines with significantly less usage than the 0W 20 "water" that they now r...
by NHRATA01
Wed May 31, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Pennsylvania Vehicle Registration Renewal - 2 year option
Replies: 24
Views: 3882

Re: Pennsylvania Vehicle Registration Renewal - 2 year option

I need to renew my vehicle registration so if anyone is a PA resident, please let me know your thoughts. Has anyone determined the pros/cons to doing a 2-year renewal? For instance, I may be replacing this vehicle in the next 2 years - would that matter? Not sure if PA is similar, but NY only has 2...
by NHRATA01
Fri May 26, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Air Conditioning unit / fix or replace
Replies: 14
Views: 1782

Re: Air Conditioning unit / fix or replace

$2600 seems steep. Other point is that was clarified as "just the compressor". If you lost the 10-12lbs or so of R22, chalk up a recharge at possibly up to $100/lb (since it seems like that's what the HVAC shuysters are charging these days - market price is closer to $40/lb).
by NHRATA01
Wed May 24, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Does auto insurance still hike your rates for a claim?
Replies: 6
Views: 1106

Re: Does auto insurance still hike your rates for a claim?

I'll tell you soon. Wife totaled her car a week ago. 3 years with Gieco, no claims no tickets and they were half the price of Liberty Mutual when I switched over.

Such is life...