Search found 425 matches

by NHRATA01
Tue Sep 19, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: Data-driven individual stock approach
Replies: 28
Views: 1308

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: 3074

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: 5781

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: 7624

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: 5781

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: 7624

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: 5781

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'...
by NHRATA01
Mon Jun 19, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 4426

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: 4426

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: 4426

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: 95
Views: 12115

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: 1849

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: 2859

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 ...
by NHRATA01
Wed May 31, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Pennsylvania Vehicle Registration Renewal - 2 year option
Replies: 17
Views: 1350

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: 1402

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: 949

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...
by NHRATA01
Wed May 24, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: advice on hvac replacement decision
Replies: 21
Views: 2537

Re: advice on hvac replacement decision

I'm leaning towards option 2 because I expect the compressor will cost at least 1/2 as much as a new unit. If this is not the case and the compressor is say 1/4 the cost of a new unit, then I'd do the compressor. Is there a savings to be had by replacing both the a/c system and gas furnace in one g...
by NHRATA01
Wed May 24, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: advice on hvac replacement decision
Replies: 21
Views: 2537

Re: advice on hvac replacement decision

The R22 refrigerant is getting expensive to replace. However if he recovers the charge before doing the work and it is a sufficient amount, he should be able to replace the compressor and refill the system with the existing charge, and you're good to go. That doesn't mean it won't develop a leak at ...
by NHRATA01
Fri May 19, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Did TD Ameritrade raise the IRA minimum purchase for the NL/NTF mutual funds in the past few years?
Replies: 2
Views: 325

Re: Did TD Ameritrade raise the IRA minimum purchase for the NL/NTF mutual funds in the past few years?

Yeah I don't recall it being that low. I've used PDRGX for a few years now through them and I thought the initial minimum was at least $1500 (I see it say $2500 now). Strangely enough, I see the minimum additions are $100. But I recently added $91.77 (transfer of rewards points from a TDA Visa card)...
by NHRATA01
Thu May 18, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: Keep paying for AC refrigerant when tech cannot find a leak
Replies: 20
Views: 1938

Re: Keep paying for AC refrigerant when tech cannot find a leak

You can buy a brand new 30 lb canister of R-22 on Ebay for a relatively affordable price, keep in your basement for future use, and be ahead the first time you need Freon added in 1/2/5/10/20 years. Just saying... And no, your local HVAC guy isn't going to be happy, since he wants to sell you his a...
by NHRATA01
Wed May 10, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: 18" vs 20" Tires
Replies: 39
Views: 3043

Re: 18" vs 20" Tires

Wow! according to the Car and Driver article the radical bananaskins didn't really help performance,which I thought was the only justification for the things. So I thought I was prejudiced,but the facts justify even more rejection of the fad. I thought they would help performance on a controlled ra...
by NHRATA01
Wed May 10, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: international stocks poised to outperform US ???
Replies: 80
Views: 6748

Re: international stocks poised to outperform US ???

I checked with my financial advisor today and here is what he had to say: “For 240 years it’s been a terrible mistake to bet against America, and now is no time to start” He is a guy named Warren Buffett, he has smoked the pants off the S&P 500 for the past few decades. How's your guy done over...
by NHRATA01
Wed May 10, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: 18" vs 20" Tires
Replies: 39
Views: 3043

Re: 18" vs 20" Tires

It could well be that a 19" tire is the middle ground that would keep everyone happy. A lot of vehicles have choices ranging over three tire sizes. In most cases the lowest aspect tire is not the best idea unless the incentive is best handling, a moot issue on an SUV. In fact the best handling...
by NHRATA01
Wed May 10, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: international stocks poised to outperform US ???
Replies: 80
Views: 6748

Re: international stocks poised to outperform US ???

I checked with my financial advisor today and here is what he had to say: “For 240 years it’s been a terrible mistake to bet against America, and now is no time to start” He is a guy named Warren Buffett, he has smoked the pants off the S&P 500 for the past few decades. How's your guy done over...
by NHRATA01
Tue May 09, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: End of model year car purchases
Replies: 10
Views: 1205

Re: End of model year car purchases

It is brand dependent, and even model dependent. The domestics tend to be more apt to offload something at thousands less than the imports. I see you have Subaru up there, they tend to sell very well in the Northeast and not a ton of old inventory on the dealers lots so you're going to be hard press...
by NHRATA01
Tue May 09, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Replacing residential HVAC system, Mesa Arizona
Replies: 19
Views: 1639

Re: Replacing residential HVAC system, Mesa Arizona

Also, I would NOT replace a working unit until it literally cannot be fixed. I would not wait to replace a rather old unit that is having issues. OP does not specify that. I agree if its working fine, to leave it alone. Particularly as it sounds as if it wasn't getting a ton of use. But if the unit...
by NHRATA01
Tue May 09, 2017 2:06 pm
Forum: Investing - Theory, News & General
Topic: Buffett/IBM
Replies: 73
Views: 6624

Re: Buffett/IBM

I worked for IBM from 2001-2015. Fortunate enough to buy up a lot of shares during most of that run, as it was basically a steady increase in stock price from roughly '01 through '12 primarily under the Palmisano regime. Fundamentally, they had a very good business model - heavy in on long term site...
by NHRATA01
Tue May 09, 2017 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 95
Views: 12115

Re: Changes to NYS Deferred Compensation Plan

Wow, those are some pretty extremely low ER's for the funds. I hate to lose VG and ticker funds, but on the surface I can't see too much negative with going to these CIT's. I have an old employer's 401K (457 is my wife's plan) where the Fidelity index funds are CIT's, and the ER's are lower than the...
by NHRATA01
Tue Apr 25, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Alternate Energy Supply Companies?
Replies: 4
Views: 484

Re: Alternate Energy Supply Companies?

The best thing to do is simply look at your past bill (or go to the utility's website if they offer it) to see what your current generation charges are. Be sure to separate that from your delivery charges. Your new supplier will only be able to offer a rate on generation, your utility is always goin...
by NHRATA01
Tue Apr 25, 2017 8:39 am
Forum: Personal Consumer Issues
Topic: Car troubles?
Replies: 18
Views: 1334

Re: Car troubles?

Post up the year for us. From my memory Honda's haven't needed valve adjustments since around the mid '00s with the newer series of engines (personally IMO it was absurd they still did past 1990 when everyone else had self adjusting hydraulic lifters). The serpetine belt is about a 2 minute job, may...
by NHRATA01
Wed Mar 15, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 6442

Re: Car engines. Turbo vs no turbo

That is one of the reasons for oil changes to be done at all, but I would point out that other manufacturers, such as BMW are fine with 10,000+ intervals. There's nothing special about BMW engines that allow them to go longer between changes. The main difference is that BMW provides free maintenanc...
by NHRATA01
Wed Mar 15, 2017 10:09 am
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 6442

Re: Car engines. Turbo vs no turbo

Do all these new turbo cars require premium gasoline? A lot of the non-luxury makes use the wording "recommended not required" (the luxury makes tend to expect you to pony up anyway). Which means it takes premium to make the advertised horsepower but the car can run on regular. In my opin...
by NHRATA01
Fri Mar 10, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 6442

Re: Car engines. Turbo vs no turbo

My wife's car is a 2007 G35X. 300+ horsepower V6 with no turbo. My friend has an Impreza WRX of similar vintage - or probably a few years newer - 4 cyl. motor with turbo. Definitely not 300 horsepower. On a long road trip in the Impreza, he was keeping an eye on his cruising speed to keep it below ...
by NHRATA01
Fri Mar 10, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 6442

Re: Car engines. Turbo vs no turbo

tetractys wrote:Blowers provide direct high volume air, so why settle for a puny lagging turbocharger? -- Tet


Because a properly sized and engineered modern turbo will have minimal lag, and because by nature a supercharger is robbing horsepower to turn it and thereby is less efficient.
by NHRATA01
Mon Mar 06, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: 2005 Chevy Blazer MPG ?
Replies: 7
Views: 618

Re: 2005 Chevy Blazer MPG ?

That axle ratio isn't correct for that year Blazer. I believe they were a 3.42. 2005 was the very last of the S10 Blazer, and they only sold 2 doors that year. I had a 2003, although with the 5 speed manual. Family also had a '95, '97 and '99. If you are only getting 12mpg, something is wrong. The s...
by NHRATA01
Fri Jan 27, 2017 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 95
Views: 12115

Re: Changes to NYS Deferred Compensation Plan

https://www.irs.gov/retirement-plans/irc-457b-deferred-compensation-plans ^^ See if this link answers your question. Thanks! I think the answer is that it's well worth it to stay in a governmental 457 plan. Even though there are some nickel-and-dime recordkeeping charges I'd save with a rollover to...
by NHRATA01
Fri Jan 13, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa 2% cash back
Replies: 73
Views: 11253

Re: Fidelity Rewards Visa 2% cash back

So basically you can only really keep the money in a cash/moneymarket account until you reach a pretty significant threshold? Transfer money out with EFT (Electronic Funds Transfer) like any other checking/brokerage account? Or you could transfer money in to the new account to reach thresholds soon...
by NHRATA01
Fri Jan 13, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa 2% cash back
Replies: 73
Views: 11253

Re: Fidelity Rewards Visa 2% cash back

I recieved the $200 offer for spending 2k in 3 months. I have a fidelity 401k but no brokerage. Will I need to apply for a brokerage account before opening this if i do so? I already have citi double cash...which is pretty much the same rewards.l as fidelity. Hi, I'm sorry to bump this after 6 mont...
by NHRATA01
Mon Jan 09, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: Optimum cable and 2nd modem?
Replies: 27
Views: 2246

Re: Optimum cable and 2nd modem?

FYI to my knowledge Optimum is not charging rental costs for modems. I had one and considered switching it out. There is (or was) an FAQ on Optimum's site about how to address and install a modem on their network, and it said something along the lines of they don't discourage it, but why bother if t...
by NHRATA01
Fri Dec 16, 2016 10:58 am
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 9711

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

Some may disagree but unless you're in a really harsh, snowy winter climate (say Syracuse NY, North Dakota, Maine, Wyoming, etc etc), IMHO I don't see a need for winter tires over all seasons, particularly on an AWD vehicle. Jersey, Southern NY/LI...here on a notably bad winter we may get accumulati...
by NHRATA01
Fri Dec 16, 2016 10:43 am
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 9711

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

"Summer tires" are really performance tires and probably "3-season" is accurate for them. I've had 2 cars with them. They are usually designed for rain - unless you have something exotic like cup tires such as the Trofeo R's on a Ferarri, Z06 or Z/28, etc - track cars basically. ...
by NHRATA01
Fri Dec 16, 2016 10:35 am
Forum: Investing - Theory, News & General
Topic: Ellis: "Under 40 years old - 100% in Stocks"
Replies: 54
Views: 6383

Re: Ellis: "Under 40 years old - 100% in Stocks"

I think having 10-20% in bonds at that age is reasonable. Returns aren't dinged that much in exchange for lowered volatility. But IMO the greatest benefit is that if you have another '08/'09 when equities are crashing and bond prices are going up, following a disciplined stock/bond AA, you will be f...
by NHRATA01
Wed Dec 14, 2016 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Colleague's financial advisor
Replies: 14
Views: 1709

Re: Colleague's financial advisor

"Ask those engineers whether [your customers] should be buying [your products] or the cheaper versions……Low cost does not necessitate higher returns. 2 things: 1. You buy a more expensive product (assuming this isn't a luxury good where you're just paying for a name) because it presumably has ...
by NHRATA01
Tue Nov 01, 2016 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Any NYS Teachers with 403B?
Replies: 24
Views: 1912

Re: Any NYS Teachers with 403B?

Interesting in that the union has to approve the 457b. A lot of these 403b articles suggest there's some kickbacks (legal or not so much, I do not know) to the union from 403b providers. That may not help get a 457 on the list. My wife's district does have a 457b option on the Omni website. Now, int...
by NHRATA01
Thu Oct 27, 2016 11:27 am
Forum: Investing - Theory, News & General
Topic: NY Times first in a series about 403(b)s with public K-12
Replies: 121
Views: 15730

Re: NY Times first in a series about 403(b)s with public K-12

This is why I try my best to direct anyone in the state to the NYS 457 plan, since it is very low cost and quite good. Of course it's usually buried in a link at the bottom of the respective OMNI website. And in my wife's case, her payroll person was too lazy to do her job and claimed the 457 was no...
by NHRATA01
Thu Oct 27, 2016 9:49 am
Forum: Investing - Theory, News & General
Topic: Wait until after election to add to Roth IRA?
Replies: 16
Views: 2436

Re: Wait until after election to add to Roth IRA?

I would not, since as mentioned no one knows what the markets will do on that day, or for that matter before that day (we could have a strong bull run over the next 2 weeks). If I was to speculate, I would say the markets are clearly expecting a certain candidate to win so they have priced that in, ...
by NHRATA01
Thu Oct 27, 2016 9:46 am
Forum: Investing - Theory, News & General
Topic: 2017 401K and IRA Contribution Limits
Replies: 12
Views: 2222

Re: 2017 401K and IRA Contribution Limits

I suspect we won't see them move much as they are supposed to be linked to core inflation, which has been quite low going on a few years now.
by NHRATA01
Thu Oct 27, 2016 9:24 am
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 41531

Re: The Bogleheads' "100 Things Worth Every Penny" List

I heard an old piece of advice a couple of years ago that really makes sense. "Don't cheap out on the things that put you in contact with the earth" By that meaning, shoes, socks, tires, mattress. Also I forgot who the billionaire was when asked on what to splurge and he answered "Soc...
by NHRATA01
Mon Oct 10, 2016 11:24 am
Forum: Personal Consumer Issues
Topic: New car: wait for redesigned 2017 to arrive before purchasing 2016?
Replies: 15
Views: 1576

Re: New car: wait for redesigned 2017 to arrive before purchasing 2016?

Only thing I would caution in this specific case, is Subaru tends to have very tight supplies of its vehicles, relative to competitors. If you wait too long, the '16s may be gone. OTOH I find this to be a valid strategy generally for the big 3. They tend to overstock many of their vehicles and have ...
by NHRATA01
Wed Sep 28, 2016 12:14 pm
Forum: Personal Consumer Issues
Topic: 2016 Murano or 2016 Acura MDX
Replies: 36
Views: 4807

Re: 2016 Murano or 2016 Acura MDX

Buy the one that doesn't require premium fuel, which is certainly not going to be the Acura. This will save you hundreds or thousands over the life of the car. There's no reason to design a car that requires premium fuel, unless it's a sports car. With the move to higher output smaller displacement...