Search found 1356 matches

by just frank
Tue Feb 20, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: House rewiring - cost of copper
Replies: 29
Views: 1851

Re: House rewiring - cost of copper

I can think of no reason why the price of copper will be higher in the future than in the past.
by just frank
Mon Feb 19, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Make sense to setup 529 for high school junior?
Replies: 17
Views: 1157

Re: Make sense to setup 529 for high school junior?

I'd say go for it. I started when my oldest was in 8th grade, and I'm up quite a bit.

You can also do out of pocket at the beginning, and pay it out at the end of college...in 4 years.
by just frank
Mon Feb 19, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: used Prius (or Chevy Volt?)
Replies: 29
Views: 1779

Re: used Prius (or Chevy Volt?)

Second the Prius Prime suggestion. It has a Li-ion battery (current tech) rather than the NiMH battery (obsolete tech) that Toyota developed 20 years ago. The ability to run shorter errands off grid power makes it MUCH 'greener' than the Prius, and it has better gas economy (on long trips) than the...
by just frank
Sun Feb 18, 2018 6:37 am
Forum: Investing - Help with Personal Investments
Topic: To buy or not to buy in Boston for Investment
Replies: 18
Views: 1500

Re: To buy or not to buy in Boston for Investment

The Globe says that Metro population increase (driving recent price increases) is decelerating. https://www.bostonglobe.com/business/2017/03/29/greater-boston-population-growth-cooling/I7nxTrtp05fdpS1UtRuwpL/story.html I grew up there, still have family there, and frankly don't see it as an appealin...
by just frank
Sun Feb 18, 2018 6:19 am
Forum: Personal Consumer Issues
Topic: used Prius (or Chevy Volt?)
Replies: 29
Views: 1779

Re: used Prius (or Chevy Volt?)

Second the Prius Prime suggestion. It has a Li-ion battery (current tech) rather than the NiMH battery (obsolete tech) that Toyota developed 20 years ago. The ability to run shorter errands off grid power makes it MUCH 'greener' than the Prius, and it has better gas economy (on long trips) than the ...
by just frank
Mon Feb 12, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Birding binoculars under $500?
Replies: 21
Views: 1009

Re: Birding binoculars under $500?

The price per quality function on binos is super non-linear. I think 90% of people can't visually tell the difference between a $500 and a (good) $100 pair. The price on quality optics has fallen through the floor in the last 10 years, but a lot of folks have $1000 pairs from years ago, and they cou...
by just frank
Sun Feb 11, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: Potentiometer for motor speed control- any electrical engineers around?
Replies: 40
Views: 2367

Re: Potentiometer for motor speed control- any electrical engineers around?

I'm not an EE but i have taught electronics to college students.... IMO you will NOT find a potentiometer to put in line with your motor that will do the job. Inevitably, the 'pot' would need to dissipate almost as much energy/heat as the motor unless it was at 100% speed. One way to do this would b...
by just frank
Fri Feb 09, 2018 6:20 pm
Forum: Investing - Theory, News & General
Topic: Does Anyone Know Anything?
Replies: 36
Views: 3388

Re: Does Anyone Knows Anything?

I think Forbes knows nothing.
by just frank
Fri Feb 09, 2018 6:02 am
Forum: Investing - Theory, News & General
Topic: S&P 1550
Replies: 11
Views: 1484

Re: S&P 1550

So much melodrama on the board for a 10% correction! That so far has wiped out....12 weeks of 'gains'. So much for 'stay the course'.

The SP500 hasn't even touched its 200DMA yet, something it hasn't done for 14 mos, but which historically it has done much more frequently.
by just frank
Thu Feb 08, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Water Leak from shower stall - how to detect
Replies: 16
Views: 1224

Re: Water Leak from shower stall - how to detect

I have some friends with a similar situation, where their houses's previous owner had apparently just painted the ceiling with a water impenetrable paint. My buddy only had a few little stains for years. When the slow leak finally let go into a real leak years later, the water traveled large distanc...
by just frank
Wed Feb 07, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Philadelphia and Pittsburgh local taxes
Replies: 12
Views: 870

Re: Philadelphia and Pittsburgh local taxes

Just ask your payroll office. They will know.
by just frank
Wed Feb 07, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Philadelphia and Pittsburgh local taxes
Replies: 12
Views: 870

Re: Philadelphia and Pittsburgh local taxes

If you live in the Philly burbs (ahem) but work in the city, they garnish your wages a few percent. As a visitor, I think you're in the clear. And if not, they are not organized enough to come after you. :beer I think it comes down to whether the business paying you is based in Philly....and their p...
by just frank
Wed Feb 07, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Air Source Heat Pump as hedge against future expenses
Replies: 13
Views: 940

Re: Air Source Heat Pump as hedge against future expenses

I would agree with the variable speed compressor idea. You want a HP to be HUGE so you get some heat out of it when its really cold, and the only problem is that a HUGE unit is oversized for AC, leading to poor AC dehumidification. Further south, the AC and HEAT loads are more balanced, and single s...
by just frank
Wed Feb 07, 2018 6:54 am
Forum: Personal Consumer Issues
Topic: Air Source Heat Pump as hedge against future expenses
Replies: 13
Views: 940

Re: Air Source Heat Pump as hedge against future expenses

Fuel oil prices are unlikely to get all that high in the near future. All the new fossil and renewable energy technology will likely keep energy prices low (they are historically low now, adjusted for inflation) for decades, if not forever. If you want to reduce your heating costs on a permanent bas...
by just frank
Sat Feb 03, 2018 8:59 am
Forum: Investing - Help with Personal Investments
Topic: 4% withdrawal rate
Replies: 11
Views: 1369

Re: 4% withdrawal rate

To consider the 4% approach reasonable, much less conservative, is dangerous to your financial health. Most of the analyses that support this (everything in the Firecalc historical database for example) is based on the experience of the US during a long period of time in which it experienced a larg...
by just frank
Mon Jan 29, 2018 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Thinking About Timing the Market
Replies: 75
Views: 5651

Re: Thinking About Timing the Market

My IPS says I should stay at 100% equities unless a number of early indicators suggest that a recession may occur soon. Right now those indicators are signaling full speed ahead, so I am in. Of course, there can be corrections of various sizes outside of a recession start...I will just have to live...
by just frank
Mon Jan 29, 2018 5:13 am
Forum: Investing - Theory, News & General
Topic: Using CAPE to time market- timing?
Replies: 23
Views: 1275

Re: Using CAPE to time market- timing?

Schiller has been clear that CAPE is not useful for timing. Why wouldn't you believe him? A lot of traders use estimated forward PE, not CAPE. The market jumped because forward earnings estimates improved, to keep the same forward PE. Currently more like 18, less scary than 34. This: http://fundamen...
by just frank
Mon Jan 29, 2018 5:07 am
Forum: Investing - Help with Personal Investments
Topic: Thinking About Timing the Market
Replies: 75
Views: 5651

Re: Thinking About Timing the Market

My IPS says I should stay at 100% equities unless a number of early indicators suggest that a recession may occur soon. Right now those indicators are signaling full speed ahead, so I am in. Of course, there can be corrections of various sizes outside of a recession start...I will just have to live ...
by just frank
Sat Jan 27, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 460
Views: 37428

Re: To take or not to take delivery of Tesla 3

My gut feel is that many people significantly overpay for range they don’t need. In our case, we had a '14 LEAF (85 mile EPA range) and a gas-wagon. We take a lot (like 15 per year) of 210 mile trips to NYC to see family, and the LEAF could not do that trip (without 4 DCFC stops). So we did about 1...
by just frank
Tue Jan 23, 2018 8:03 am
Forum: Investing - Theory, News & General
Topic: "The Pain of Discipline or the Pain of Regret?"
Replies: 33
Views: 3501

Re: "The Pain of Discipline or the Pain of Regret?"

I spent a few years (happily) our of the market, or (stupidly) not maxing my contribution. Now I have regret, fell like I have failed my family (a little), and I want to 'catch up'. I have mastered my fears, 2015-16 I never bat an eye (it was not bad). 100% AA, growth tilt, full steam ahead and stay...
by just frank
Sat Jan 20, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Forrester
Replies: 34
Views: 2005

Re: Alternatives to Subaru Forrester

I'm lovin my Chevy Bolt, which has a Crossover SUV sized cabin.

With 4 snow tires on it, it has never even skidded in winter driving.
by just frank
Thu Jan 18, 2018 9:54 pm
Forum: Investing - Theory, News & General
Topic: Energy sector time to turn around?
Replies: 45
Views: 4094

Re: Energy sector time to turn around?

Sounds like Electric Utilities aren't a good bet either, though Warren Buffett is heavily invested. Let me check back in a couple of years to see if this renewable energy is for real. I have read the glowing reports but I am skeptical. Not everything I have seen is so optimistic. The thing is, if i...
by just frank
Wed Jan 17, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 53
Views: 4917

Re: A "Home" cell phone?

And Obi is a similar VOIP box with no monthly fee at all. But you use Google to handle your voicemail (also for free) and a separate vendor for 911 support (for $5/year).

Long-distance is 'included', as in no extra cost.
by just frank
Wed Jan 17, 2018 7:10 am
Forum: Investing - Theory, News & General
Topic: Energy sector time to turn around?
Replies: 45
Views: 4094

Re: Energy sector time to turn around?

Going back to the OP, what does the renewable revolution (mostly electricity) have to do with energy companies (mostly oil)?? A lot. On electrical generation, until a few years ago, it was a LOT of coal and some (subsidized) nukes b/c gas and oil were both consistently more expensive and renewables ...
by just frank
Wed Jan 17, 2018 6:03 am
Forum: Investing - Theory, News & General
Topic: Energy sector time to turn around?
Replies: 45
Views: 4094

Re: Energy sector time to turn around?

I don't know, I had a guy come to my door wanting me to sign up for greener electricity from my local electric utility. It would cost a bit more than what I was already paying. Much of the alternative energy we have here is wind power. He should have been offering me a discount. Green energy at the...
by just frank
Wed Jan 17, 2018 5:35 am
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 53
Views: 4917

Re: A "Home" cell phone?

WE just do Oobi VOIP and Google Voice. Service is FREE and includes US long-distance. Crystal clear and with voicemail.

I think adding the 911 service costs like $5/year. We did that.

I don't get all you folks spending hundreds of dollars a year for this.
by just frank
Mon Jan 15, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: Are land line phones still being supported?
Replies: 60
Views: 3814

Re: Are land line phones still being supported?

Mike Scott wrote:
Mon Jan 15, 2018 12:38 pm
just frank wrote:
Mon Jan 15, 2018 11:29 am
For all the folks in poor cell reception areas....why not just use 'wifi calling' on their smart phones? Free and digital quality.
Where does the wifi come from....?
In my case...my car if I want it to. My 2017 Bolt has a spiffy wifi hotspot with unlimited data. You could get one.
by just frank
Mon Jan 15, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Are land line phones still being supported?
Replies: 60
Views: 3814

Re: Are land line phones still being supported?

For all the folks in poor cell reception areas....why not just use 'wifi calling' on their smart phones? Free and digital quality.
by just frank
Mon Jan 15, 2018 7:31 am
Forum: Personal Consumer Issues
Topic: Hydronic fireplace home heating
Replies: 6
Views: 680

Re: Hydronic fireplace home heating

I suspect that in terms of cost savings and the value of your time, an energy audit/inspection would net you some better options. Woods great, and a lot of fun on a cold day, but it gets to be a drag as a full time occupation. When I bought my current place, I looked it over, attic insulation, storm...
by just frank
Sun Jan 14, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3349
Views: 962808

Re: What Movie Have You Recently Watched?

woof755 wrote:
Sun Jan 14, 2018 2:35 am
Get Out

Currently on HBO NOW

Absolutely jaw dropping. I was speechless. One of the smartest movies I have ever seen. I can't wait for Jordan Peele's next venture.
(This is not a comedy, and it's not really horror. It's just awesome)
Agreed. Most fun and gripping movie I have seen in a while.
by just frank
Sun Jan 14, 2018 10:06 pm
Forum: Personal Consumer Issues
Topic: Are land line phones still being supported?
Replies: 60
Views: 3814

Re: Are land line phones still being supported?

A separate question re the OP is how reliable are they in a disaster, versus cell phones. The telcos were required to provide massive (and expensive to maintain) backup power to the POTS network so it would stay on in a disaster or extended blackout. I do not know if they still are....but most 'land...
by just frank
Sun Jan 14, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Replacement Suggestions For Microwave Oven
Replies: 22
Views: 1314

Re: Replacement Suggestions For Microwave Oven

I deferred on replacing an ancient microwave in 2004.....and finally broke down and went to the store and got a replacement for ....$35 !!

It was waay better than the old one, and has worked well for lo these 13 years.
by just frank
Sun Jan 14, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 83
Views: 9123

Re: Aug. 2017 US total eclipse hotel reservations.

Also, 2024 is supposed to be even better. I will be enjoying both. I'll be traveling for both. And in 2099 there'll be another total eclipse, passing right over my house grave. I won't have to travel for that one. :( Yup, I'll either watch from my rocker at age 118 or I'll have to miss that one... ...
by just frank
Sun Jan 14, 2018 7:54 am
Forum: Investing - Theory, News & General
Topic: Energy sector time to turn around?
Replies: 45
Views: 4094

Re: Energy sector time to turn around?

I don't know, I had a guy come to my door wanting me to sign up for greener electricity from my local electric utility. It would cost a bit more than what I was already paying. Much of the alternative energy we have here is wind power. He should have been offering me a discount. Green energy at the...
by just frank
Sun Jan 14, 2018 7:24 am
Forum: Investing - Theory, News & General
Topic: Energy sector time to turn around?
Replies: 45
Views: 4094

Re: Energy sector time to turn around?

We just have lost decade for energy sector. What kind of return should we expected for the next 10 years. Vanguard research puts 3-5% annualized return on overall U.S. equity market, I hope energy sector do better than that. Lost decade? If you listen to Peter Thiel we have had effectively no techn...
by just frank
Sat Jan 13, 2018 1:23 pm
Forum: Investing - Theory, News & General
Topic: Energy sector time to turn around?
Replies: 45
Views: 4094

Re: Energy sector time to turn around?

My personal view, is that if the transition from fossil fuels happens, that it will be slow. I know coal is hated as an energy source but we have it in abundance here in the United States and it is a reliable energy source. Oil was a big improvement but oil never replaced coal. I did read a few art...
by just frank
Sat Jan 13, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: [Lightning rods for my house? Or too "old fashioned"?
Replies: 32
Views: 2056

Re: [Lightning rods for my house? Or too "old fashioned"?

I saw one of those TV shows were they have various interesting scientific stories. In this show a surveillance camera showed someone getting struck by lightning. It knocked him down but he got up and walked way. But that's not the amazing thing -- he got hit a second time only a few steps after tha...
by just frank
Wed Jan 10, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: New Garage Doors
Replies: 49
Views: 6273

Re: New Garage Doors

We installed new Midland Doors 15 years ago and have had great service from them. They are a metal skin with interior insulation. They are very quiet and exceptionally strong. My father in law has metal doors, no insulation - single skin and they are very noisy/clanky going up and down. They also c...
by just frank
Mon Jan 08, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: Frozen Pipes
Replies: 30
Views: 3576

Re: Frozen Pipes

My 1960 house has a lot of problems, but has no plumbing (except hose bibs) within 10' of an exterior wall. I don't miss the pipe freezes in my former places.

I guess my main could freeze...but it hasn't yet. :x
by just frank
Mon Jan 08, 2018 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm vs Geico
Replies: 68
Views: 4969

Re: State Farm vs Geico

Everyone loves Geico, but every time I get a new car (and trade in the old one) they increase my premium 50%.

I am now at $3200 / 6 mos for two cars.

Excellent driving record. [OT comment removed by moderator prudent]
by just frank
Mon Jan 08, 2018 7:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft at 58,000 posts!
Replies: 36
Views: 3111

Re: Livesoft at 58,000 posts!

Thanks for at least 57000 of those posts. :D

The others we best not discuss.
by just frank
Mon Jan 08, 2018 5:55 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 460
Views: 37428

Re: To take or not to take delivery of Tesla 3

Wow these new "features" seem half-baked. I am a huge fan of tech (I have a VW e-Golf that I love), but the self-driving stuff.....it ain't ready yet. As an engineer, I would say that building an L4 or L5 AV is a lot more difficult than either capturing the commercial space launch business or landi...
by just frank
Mon Jan 08, 2018 5:46 am
Forum: Personal Consumer Issues
Topic: New Garage Doors
Replies: 49
Views: 6273

Re: New Garage Doors

[restarted thread, check posting dates - admin alex] Don't trust those R factor ratings. Several companies test their garage door by cutting out a 1x1 square and putting that in a machine to test heat transfer. They also seal up the edges with caulk during this test to test only the panel. Well tha...
by just frank
Sun Jan 07, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 460
Views: 37428

Re: To take or not to take delivery of Tesla 3

Does anyone who has reserved or configured one have thoughts about whether autopilot is worth purchasing prior to delivery ($5k prior to delivery; $6k afterwards). I’m thinking it probably is because unlike the hardware in the car, the $5,000 initial cost doesn’t depreciate - it actually makes the ...
by just frank
Sun Jan 07, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Oil filled space heaters
Replies: 39
Views: 4098

Re: Oil filled space heaters

I wonder how much difference there is in the brand you buy. I have a Pelonis oil heater and it works great in a small room. Use it all night in a bedroom and it gives quiet, even heat. But put it in a larger room and its mostly ineffective. I wonder if I bought a more expensive brand would if funct...
by just frank
Sat Jan 06, 2018 6:21 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 460
Views: 37428

Re: To take or not to take delivery of Tesla 3

Word is the headroom in the back is achieved by a low seating, that puts your knees well above your hips, so to speak.

BB, did you find that noticeable when testing the back?
by just frank
Sat Jan 06, 2018 6:13 am
Forum: Personal Consumer Issues
Topic: Oil filled space heaters
Replies: 39
Views: 4098

Re: Oil filled space heaters

veggivet wrote:
Fri Jan 05, 2018 2:13 pm
My Delonghi oil-filled space heater has performed flawlessly for me. I don't use it often, but when I need it (for example, when my furnace fails and it's 0 outside) it does the job.
During times like that, the wife's hairdryer can also come in handy. 8-)
by just frank
Thu Jan 04, 2018 11:24 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 460
Views: 37428

Re: To take or not to take delivery of Tesla 3

My husband drives a Bolt now which replaced his Prius. Both our Chevy's are owned, not leased. Bolt is available everywhere now at significant discounts to MSRP if you purchase. Chevy does not pass the full tax credit on a lease, though. (bolding added) We probably would already have a Bolt if it a...
by just frank
Thu Jan 04, 2018 5:55 am
Forum: Personal Consumer Issues
Topic: Oil filled space heaters
Replies: 39
Views: 4098

Re: Oil filled space heaters

One of the biggest safety factors with space heaters is the use of extension cords and worn wall outlets (that make poor contact). If you need a low power setting (like 400W), then no worries, but if you use higher powers consistently, either avoid an extension cord completely or use a good conditio...