Search found 1091 matches

by just frank
Tue Jun 27, 2017 5:52 am
Forum: Personal Finance (Not Investing)
Topic: 47 Single - Never Married - No kids - Diabetes - Retirement
Replies: 9
Views: 1297

Re: 47 Single - Never Married - No kids - Diabetes - Retirement

There are many people with severe diabetes who manage to control their blood sugar with insulin and very careful monitoring for many healthy years. A technical solution (e.g. integrated monitor and pump) may become available at any time to make such intensive (and difficult) management straightforwa...
by just frank
Mon Jun 26, 2017 5:26 am
Forum: Investing - Theory, News & General
Topic: Robots Are Eating Money Managers’ Lunch
Replies: 22
Views: 3008

Re: Robots Are Eating Money Managers’ Lunch

Of course, Jeff Miller has been blogging his weekly 'conversations' with his trading bots for a year now:

http://dashofinsight.com/stock-exchange ... eld-chase/
by just frank
Thu Jun 22, 2017 5:46 am
Forum: Personal Consumer Issues
Topic: radon test kit
Replies: 12
Views: 1016

Re: radon test kit

Radon risk is highly synergistic with cigarette smoking. Even small amounts of radon increase smoker's risk of getting lung cancer a significant amount, while large amounts of radon increase non-smoker's risk by a minute amount.

I would only worry about it if I was a smoker.
by just frank
Sun Jun 18, 2017 4:25 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 249
Views: 22829

Re: Tesla Model 3 or Chevy Bolt?

I charge to the max at superchargers prior to or on a long trip. Otherwise, I may go several days without plugging in if my charge is between 50-90% and then do a full charge to 90% twice a week. Mine is new with about 1000 miles so far and I am hoping this is okay. I got to 20% on a recent trip 2 ...
by just frank
Sat Jun 17, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Solar attic fans vs. regular turbines?
Replies: 26
Views: 1836

Re: Solar attic fans vs. regular turbines?

Box vents like gable vents on the sides of the attic/house siding? Seems installing those along with leaving the passive roof wind vents and adding blown in insulation, either fiberglass or cellulose should make a world of difference and should be done first before considering the powered ventilati...
by just frank
Fri Jun 16, 2017 4:38 am
Forum: Personal Consumer Issues
Topic: Solar attic fans vs. regular turbines?
Replies: 26
Views: 1836

Re: Solar attic fans vs. regular turbines?

Separately, our roofer pointed to some areas of the roof that are bubbling / cracked and he claimed that was due to the temperature in the attic. Sounded hard to believe to me (aren't shingles designed for high temps?) but so he said. The real solution is to have the floor of the attic airsealed an...
by just frank
Thu Jun 15, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: Solar attic fans vs. regular turbines?
Replies: 26
Views: 1836

Re: Solar attic fans vs. regular turbines?

Studies have shown that attic fans do not reduce energy use. The problem is air leakage between the attic space and the living space. Normally, the cool air in the house 'falls' pulling the hot air in the attic into the upper story. An attic fan 'helps' by pulling cool air from the house into the at...
by just frank
Sun May 28, 2017 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Safe 5 percent ROI
Replies: 25
Views: 4482

Re: Safe 5 percent ROI

If you are eligible, TIAA annuities run 3-4% and seem pretty safe. But of course, the money is locked up for at least 10 years.
by just frank
Sat May 27, 2017 2:57 pm
Forum: Investing - Theory, News & General
Topic: The dot com "do over" bull market?
Replies: 82
Views: 7949

Re: The dot com "do over" bull market?

The US oil extractors are a bubble. In what way? Sure, they're pumping like crazy, but their price point is at $30-$40/barrel (rough estimate), so they're still profitable. Most folks estimate that we'll eventually have a supply shortage (several years out) due to limited capex during the oil downt...
by just frank
Sat May 27, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: The dot com "do over" bull market?
Replies: 82
Views: 7949

Re: The dot com "do over" bull market?

The US oil extractors are a bubble.
by just frank
Wed May 24, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Bradford White Electric Water heater?
Replies: 30
Views: 1570

Re: Bradford White Electric Water heater?

What do people think about hybrid heat pump water heaters? GE recently stepped out of this market because they were losing money. Federal energy tax credits also recently expired for these, so that hasn't helped. There may still be credits available in your state though. New fed energy regs have ac...
by just frank
Wed May 24, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: Bradford White Electric Water heater?
Replies: 30
Views: 1570

Re: Bradford White Electric Water heater?

What do people think about hybrid heat pump water heaters? Love mine....an 80 gallon AO Smith HPWH, 4 years old. Major issue if finding the right space (can't be too small, short, or cold). 80 gallons?, do you have an apartment house? Slow recovery (can be 6-8 hours worst case: winter, with 45°F ai...
by just frank
Wed May 24, 2017 6:07 am
Forum: Personal Consumer Issues
Topic: Bradford White Electric Water heater?
Replies: 30
Views: 1570

Re: Bradford White Electric Water heater?

VaR wrote:What do people think about hybrid heat pump water heaters?


Love mine....an 80 gallon AO Smith HPWH, 4 years old. Major issue if finding the right space (can't be too small, short, or cold).
by just frank
Sat May 20, 2017 7:24 am
Forum: Personal Consumer Issues
Topic: Summer outdoor parties - party food ideas
Replies: 20
Views: 1721

Re: Summer outdoor parties - party food ideas

Cut chicken breasts into biggish chunks...marinate in fridge in lemon juice, olive oil and onions for 12-48 hours...remove from marinade and grill with the onions.

Serve with half Pitas and your hummus. Also provide lettuce, tomatoes, tahini and tzadziki.
by just frank
Fri May 19, 2017 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Annual house maintenance costs
Replies: 30
Views: 2628

Re: Annual house maintenance costs

The 1% number is rather accurate in my case. My house has 20+ years of deferred maintenance, so it ran closer to 2% during the first 10 years we owned it (getting caught up). Not a big deal since we got it marked down about 10% at time of sale due to poor condition. The point is that deferring maint...
by just frank
Mon May 15, 2017 4:10 am
Forum: Personal Consumer Issues
Topic: Replace floor BEFORE or AFTER New Cabinets?
Replies: 27
Views: 2427

Re: Replace floor BEFORE or AFTER New Cabinets?

To the OP...you often don't get to pick. If the project needs a new subfloor---replacing vinyl with tile, then you need to change the height of the floor (ugh) or rip out subfloor under the current cabinets, etc. As for putting the actual finish floor down last to protect it....details. But subfloor...
by just frank
Mon May 15, 2017 4:05 am
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 6717

Re: The recent WannaCry ransomware

Sorry, this is not an internet or NSA problem...it is a MIcrosoft problem. They have been selling products with badly substandard security practices for decades . People like to think that this is a problem needing innovation, or that people only attack Windows systems...nope. The basics of how to m...
by just frank
Tue May 09, 2017 6:58 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy cars?
Replies: 71
Views: 7531

Re: How do Bogleheads buy cars?

Buy a **used** Tesla Model S. :D
by just frank
Tue May 09, 2017 4:08 am
Forum: Personal Finance (Not Investing)
Topic: all cash vs. HELOC vs mortgage
Replies: 7
Views: 865

Re: all cash vs. HELOC vs mortgage

I'd take a 50% mortgage, spend whatever you need on the solar, invest the balance at my preferred AA, and figure I'd come out well ahead in 5-10 years.
by just frank
Sun May 07, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: sump pump issue
Replies: 13
Views: 1375

Re: sump pump issue

Check valves are cheap and take 5 minutes to install. Its unclear what you mean by 'leak''...as in water leaks backwards into the pit (preventing the sump from working) or that is leaks outside the pit because of a poor connection. From your 'tape' comment I gather it is the connection. A new check ...
by just frank
Sat May 06, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Insulating Walls - Worth it?
Replies: 44
Views: 5045

Re: Insulating Walls - Worth it?

@jharkin is right. An experienced cellulose installer can 'feel' wires and go around them, not get hung up on lath, and if there is framing blocking the cavity, will note where it is, and then drill a new 2" hole in the sheathing under the blockage to fill there. The cellulose is treated with S...
by just frank
Sat May 06, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Insulating Walls - Worth it?
Replies: 44
Views: 5045

Re: Insulating Walls - Worth it?

I agree with @jharkin. Blown in cellulose is the best wall cavity retrofit system there is, bar none. Cheap, green (low embodied energy), non-toxic (no foam fumes or smell), and durable (if densepacked). Loose blowing an attic is easy and is DIYable for that handy. Densepacking wall cavities is tric...
by just frank
Sat May 06, 2017 4:55 am
Forum: Personal Consumer Issues
Topic: Vexing electrical problem in the house
Replies: 54
Views: 3666

Re: Vexing electrical problem in the house

I'm in a HCOL and a new 200A panel cost me $2500 (low bid) ten years ago.
by just frank
Sat May 06, 2017 4:38 am
Forum: Personal Consumer Issues
Topic: Home Energy Audit recommended actions: 28.4 year payback period??
Replies: 33
Views: 2919

Re: Home Energy Audit recommended actions: 28.4 year payback period??

Nice.

Compare last January's and next January's heating bills, divided by heating degree days (available on the internet) to see what you've saved.
by just frank
Thu May 04, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Vexing electrical problem in the house
Replies: 54
Views: 3666

Re: Vexing electrical problem in the house

Lots of good advice...I will echo one post above about one 'leg' of the service being weak or intermittent. That can create some really weird effects. Happened to me, and I diagnosed it myself at the breaker box, and determined that it could only be fixed by the utility. When I called them to say I ...
by just frank
Tue May 02, 2017 5:09 am
Forum: Personal Consumer Issues
Topic: Buying first home with old hvac
Replies: 92
Views: 4200

Re: Buying first home with old hvac

Let's keep it simple. Home maintenance on an existing home will cost you about 1% of the value of the house per year. Budget that amount per year, and sometimes it will be a little more, sometimes a little less. HVAC repair and replacement is 'in there'. Remodeling is not. The bigger question is to ...
by just frank
Mon May 01, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 12092

Re: Microsoft, I want my computer back!

For the sake of balance..I'm a member of the silent majority..that being the Win OS users that really have few issues. The BH forums are a numbers-based/oriented cohort. That being the case, the numbers just don't add up. If Win OS's were as terrible as the many apple and linux users here would sug...
by just frank
Sun Apr 30, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: Myopic Loss Aversion
Replies: 14
Views: 1464

Re: Myopic Loss Aversion

I am sorry that you don't believe the results of the controlled studies used to discover and quantify this effect.

Perhaps you would like to go to the original, peer-reviewed studies, and tell us what the researchers did wrong?

And then the many studies since then that have shown the same?
by just frank
Sat Apr 29, 2017 5:37 am
Forum: Personal Consumer Issues
Topic: Need a water heater recommendation
Replies: 14
Views: 1613

Re: Need a water heater recommendation

I used to be on an oil boiler, and figured out that the boiler had a huge standby loss, which was expensive in the summer. Like 200 gallons of oil over the summer without any hot water being counted. Turns out most (>50%) of my summer air conditioning bill was the heat from the boiler. I thought it ...
by just frank
Sat Apr 29, 2017 5:20 am
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 12092

Re: Microsoft, I want my computer back!

Good luck tracking down the problem Ned. I hear Win 10 is better than earlier systems security-wise, but of course its all relative. I'm a Mac guy and actually installed some anti-virus stuff last week, ran a scan and got rid of a couple little things...'Mac Cleaner', that I knew about. My last expe...
by just frank
Tue Apr 25, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: Replacing MacBook Pro (retina) Battery
Replies: 12
Views: 773

Re: Replacing MacBook Pro (retina) Battery

My MBP is about 6 mos older vintage. I made an appointment, dropped it off and picked it up a hour later. They charged me something reasonable...like $40 or so. I am comfortable doing this DIY, but let them do this one b/c I wanted an Apple battery and not a third party. My battery is NOT glued in. ...
by just frank
Tue Apr 25, 2017 4:31 am
Forum: Personal Consumer Issues
Topic: Alternate Energy Supply Companies?
Replies: 4
Views: 416

Re: Alternate Energy Supply Companies?

Many states allow electricity supplier choice. PA has ben doing it for 20 years now. You still get your bill from the same distribution utility you did before, but that entity now is contractually obligated to buy power from the supplier you choose. If you google around you should find a listing of ...
by just frank
Tue Apr 25, 2017 4:24 am
Forum: Personal Finance (Not Investing)
Topic: Would You Buy This Home? Please Tell Me Why Not?
Replies: 22
Views: 3372

Re: Would You Buy This Home? Please Tell Me Why Not?

In Florida I would want to know elevation above sea level and history of tidal flooding.
by just frank
Fri Apr 21, 2017 5:16 am
Forum: Investing - Help with Personal Investments
Topic: Timing Assets Within Your Portfolio
Replies: 14
Views: 1401

Re: Timing Assets Within Your Portfolio

I believe that some light timing is a fun hobby.... My rationale is if I think about my AA and I can justify anything from 70:30 to 100:0, then I am allowed to slew between those limits without remorse. If I'm at 70:30, and the market booms (when I thought it might bust) I tell myself that I might h...
by just frank
Wed Apr 19, 2017 5:39 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 249
Views: 22829

Re: Tesla Model 3 or Chevy Bolt?

Range anxiety and charging time are two reasons I believe that pure electric will remain a very small market. Most people just have no interest in making significant changes to their daily lives, compromises to capabilities they may require every once in a while, constant worry about range, etc. Fo...
by just frank
Tue Apr 18, 2017 5:20 am
Forum: Personal Consumer Issues
Topic: How to be a good parent to an introverted kid
Replies: 29
Views: 2705

Re: How to be a good parent to an introverted kid

I was the same way, and I turned out great! :beer My parents pushed me into social things...hated it. The major issue is whether he is lonely or happy as he is. Whether he wants to be more social, but can't, or likes things how he is. Note this can change with age...he might be happy now, but need a...
by just frank
Sun Apr 16, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 249
Views: 22829

Re: Tesla Model 3 or Chevy Bolt?

@madbrain, I think we have a lot of the same experiences with the LEAF. I am just seeing the glass as half full. If I have to reroute, my phone nav tells me the new mileage, I juggle that with my knowledge of GOM behavior wrt to topography and speed, and figure out my margin. Most trips I take have ...
by just frank
Sat Apr 15, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: Downgrading Comcast (with no other competition)
Replies: 36
Views: 3052

Re: Downgrading Comcast (with no other competition)

I was told that to get a new customer deal, you need to cancel and re-up no sooner than 6 months later. My similar process of downgrading was a multi-step, multi-month process of debundling (to remove the 'free' landline and transfer my number) followed by stages of reduction. About 6 hours on hold ...
by just frank
Fri Apr 14, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 249
Views: 22829

Re: Tesla Model 3 or Chevy Bolt?

I still don't 'get' range anxiety. :? I don't get it either, but I guess some people don't look at their fuel gauges until the lights come on. Indeed. Meaning no insult, I think its a function of 'innumeracy'. Some people are comfortable juggling a couple numbers in their head (like which is greate...
by just frank
Fri Apr 14, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 249
Views: 22829

Re: Tesla Model 3 or Chevy Bolt?

I still don't 'get' range anxiety. :? I don't get it either, but I guess some people don't look at their fuel gauges until the lights come on. Indeed. Meaning no insult, I think its a function of 'innumeracy'. Some people are comfortable juggling a couple numbers in their head (like which is greate...
by just frank
Fri Apr 14, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 249
Views: 22829

Re: Tesla Model 3 or Chevy Bolt?

When I'm in a Tesla I don't feel like there's a high probability of being stranded or at some public charger that won't work or is iced if I'm driving beyond range. And I wouldn't even let my wife (whom I'm very protective of) drive a Bolt beyond the range, knowing that she'd have to try and figure...
by just frank
Fri Apr 14, 2017 5:38 am
Forum: Personal Consumer Issues
Topic: ductless mini split vs conventional HVAC system?
Replies: 11
Views: 1179

Re: ductless mini split vs conventional HVAC system?

I think you've gotten some good advice...the question as posed comes down to aesthetics and money, not engineering. I will stir the pot with a third option....is it possible to tie in the new space to the existing HVAC system? That is, run a duct in the back of a closet or some other such location, ...
by just frank
Wed Apr 12, 2017 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Extreme Frugality vs Living Life - Where do you draw the line?
Replies: 77
Views: 9009

Re: Extreme Frugality vs Living Life - Where do you draw the line?

I really only see this as a problem two ways: 1) One person in a relationship/family is forcing the other(s) to live more frugally than they want when it is not needed (due to poverty) 2) The frugality results in the individual being dysfunctional or unhappy in some other way (the definition of a me...
by just frank
Wed Apr 12, 2017 5:52 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 249
Views: 22829

Re: Tesla Model 3 or Chevy Bolt?

Pining for the S, but opting for the Bolt. Agree with your argument....but I'd get the fast charging package. $750 is not much, and as the network get's built out, it will be more useful. More to the point, I think you'll get the $750 back in resale. I agree on the fast charger. I'm not up on the d...
by just frank
Wed Apr 12, 2017 4:57 am
Forum: Personal Consumer Issues
Topic: Where to start - converting from generator/UPS to more reasonable solar / powerwall?
Replies: 70
Views: 5647

Re: Where to start - converting from generator/UPS to more reasonable solar / powerwall?

Pool pumps are huge electricity draws. Well pumps can become huge draws esp if they are malfunctioning (e.g. a check valve failure forces them to run all the time). The radiant heat circulators are unlikely to be the problem. One other special thing in the US @Valuethinker is dehumidifiers. When the...
by just frank
Wed Apr 12, 2017 4:44 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 249
Views: 22829

Re: Tesla Model 3 or Chevy Bolt?

canon_shooter wrote:Pining for the S, but opting for the Bolt.


Agree with your argument....but I'd get the fast charging package. $750 is not much, and as the network get's built out, it will be more useful. More to the point, I think you'll get the $750 back in resale.
by just frank
Tue Apr 11, 2017 5:38 am
Forum: Personal Consumer Issues
Topic: Where to start - converting from generator/UPS to more reasonable solar / powerwall?
Replies: 70
Views: 5647

Re: Where to start - converting from generator/UPS to more reasonable solar / powerwall?

The energy audit guys thought it was a pretty slick set up so I would hazard a guess that's the most efficient method one can get.   However, it also highlighted the missing piece of the puzzle (and big DERP from me for not realizing it).  There are ~20 of these little guys hanging around on the wa...
by just frank
Sun Apr 09, 2017 7:39 am
Forum: Personal Finance (Not Investing)
Topic: The Stages of Retirement Saving
Replies: 55
Views: 10668

Re: The Stages of Retirement Saving

I guess I have a more probabilistic picture of this. Since my 'need' target is covered, I am OP stage #1. Since my 'want' target is not covered I am aiming for stage #2. I like my job and have good job security (tenure) to FRA, so I ask what % return would I need (with new contributions) to hit my '...
by just frank
Sun Apr 09, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: Wrap around AC condenser filters
Replies: 2
Views: 346

Re: Wrap around AC condenser filters

The filter is a bad idea and worse than the lint. I'd just clean it off with a hose as needed. And complain to the neighbor....their dryer should catch most lint in its internal filter.

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