Search found 3256 matches

by hudson
Sun Aug 23, 2020 5:27 pm
Forum: Personal Consumer Issues
Topic: Early September Hiking/Camping Vacation. Risk smoky conditions of CO or heat and humidity of Appalachian Mountains?
Replies: 44
Views: 3276

Re: Early September Hiking/Camping Vacation. Risk smoky conditions of CO or heat and humidity of Appalachian Mountains?

Enganerd,

What kind of hikes do you want to do?
Will you be camping in campgrounds like the ones you find in national forests/parks? What are you thinking?
Will your child be hiking or will you be carrying him/her?
by hudson
Sun Aug 23, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Are emergency funds for suckers?
Replies: 202
Views: 15994

Re: Are emergency funds for suckers?

My emergency fund for years was credit cards or a home equity loan. I started saving so I began to use Vanguard holdings as an emergency fund...but funds took 2 days to get to my credit union checking account. I think this was the optimal way to take care of emergencies. I came up short two times la...
by hudson
Sun Aug 23, 2020 8:51 am
Forum: Personal Investments
Topic: CD being called.. bummer!
Replies: 25
Views: 2803

Re: CD being called.. bummer!

dbr wrote: Sun Aug 23, 2020 8:40 am If you need more return you have to take more risk.
I vote for best available CD...even if the rates aren't that hot.
by hudson
Sun Aug 23, 2020 8:01 am
Forum: Personal Investments
Topic: CDs coming due. Where to reinvest proceeds?
Replies: 62
Views: 6169

Re: CDs coming due. Where to reinvest proceeds?

Have you looked into worthybond.com ? It pays me about 5% a year and I can withdraw any time. TravelforFun Here's a Boglehead discussion on worthy bonds. https://www.bogleheads.org/forum/viewtopic.php?t=268828 Where would you rate it as far as safety? safe as CDs? safe as a total bond fund? investm...
by hudson
Sat Aug 22, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: A primer on backup battery systems for power outages
Replies: 150
Views: 8736

Re: A primer on backup battery systems for power outages

mrc, I'm sure also that you already ruled out borrowing a windows laptop or whatever it takes to run Powerchute to change the settings. I don't know if that would fix the problem...but it might be the next step before buying a different UPS. It sounds like you might be ok with things like they are?...
by hudson
Fri Aug 21, 2020 9:01 pm
Forum: Personal Investments
Topic: CDs coming due. Where to reinvest proceeds?
Replies: 62
Views: 6169

Re: CDs coming due. Where to reinvest proceeds?

I'm curious if age plays a factor here (and apologies if OP mentioned age or situation and I missed it). I had not previously heard of MYGA's, and after some cursory research it sounds like they may be more appropriate for those closer to retirement. In boglehead fashion, I have everything automate...
by hudson
Fri Aug 21, 2020 5:30 pm
Forum: Personal Consumer Issues
Topic: A primer on backup battery systems for power outages
Replies: 150
Views: 8736

Re: A primer on backup battery systems for power outages

mrc,
I'm sure also that you already ruled out borrowing a windows laptop or whatever it takes to run Powerchute to change the settings.
I don't know if that would fix the problem...but it might be the next step before buying a different UPS. It sounds like you might be ok with things like they are?
by hudson
Fri Aug 21, 2020 5:09 pm
Forum: Personal Consumer Issues
Topic: A primer on backup battery systems for power outages
Replies: 150
Views: 8736

Re: A primer on backup battery systems for power outages

I owned a ~3500w inverter generator that wasn't large enough to run essentials during prolonged power outages. I replaced it with an 8000w Genrac and found out after the fact that my APC UPS won't run on the Genrac power. Something I wish I had considered before the switch. Wow, that's surprising. ...
by hudson
Fri Aug 21, 2020 1:42 pm
Forum: Personal Consumer Issues
Topic: A primer on backup battery systems for power outages
Replies: 150
Views: 8736

Re: A primer on backup battery systems for power outages

Bottom Line: Standard UPSs are probably fine for home use. I just looked into this and there is a wide variability between cost and function, and no "standard UPS". TrippLite differentiates between "Standby UPS Systems" and "Line-Interactive UPS Systems", yet yours isn't either. It's a "Smart UPS B...
by hudson
Fri Aug 21, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: A primer on backup battery systems for power outages
Replies: 150
Views: 8736

Re: A primer on backup battery systems for power outages

Somebody correct me if I'm wrong, but I think the home UPSs deliver steady and clean power to plugged in devices. The plugged in devices are spared from drops in power, spikes, and surges. The UPS delivers the good stuff. You can read the details for a UPS that I use: https://www.amazon.com/gp/prod...
by hudson
Fri Aug 21, 2020 9:35 am
Forum: Personal Consumer Issues
Topic: A primer on backup battery systems for power outages
Replies: 150
Views: 8736

Re: A primer on backup battery systems for power outages

I have a questions about UPS's. When commercial power is available, is the connected device powered from the UPS's battery (which is being constantly charged), or is the AC just passing through the UPS and powering the device? There is another current thread debating the benefits of whole house gen...
by hudson
Fri Aug 21, 2020 9:01 am
Forum: Personal Investments
Topic: CDs coming due. Where to reinvest proceeds?
Replies: 62
Views: 6169

Re: CDs coming due. Where to reinvest proceeds?

I have a number of CDs maturing in the next few months. These served as bond alternatives, emergency fund and capital preservation. I do not depend upon their income for living expenses. Renewal rates are pathetically low (typically: 0.60% for 12 months) and are trending further down. What alternat...
by hudson
Thu Aug 20, 2020 7:31 pm
Forum: Personal Consumer Issues
Topic: A primer on backup battery systems for power outages
Replies: 150
Views: 8736

Re: A primer on backup battery systems for power outages

Years ago, where I worked, there was a demand for a mobile computer cart. I asked an electrical engineer/computer specialist over the phone how to do that. He immediately said, "deep cycle marine battery." I'd be concerned about venting requirements for indoor use. Proceed with caution. My thinking...
by hudson
Thu Aug 20, 2020 7:22 pm
Forum: Personal Consumer Issues
Topic: new car purchase: any reason NOT to do 0% financing
Replies: 90
Views: 7222

Re: new car purchase: any reason NOT to do 0% financing

Some of this arguing about financing actually illustrates that even financially smart folks don't understand the car business and how to buy a car for a fair price. When requesting the dealer's lowest price making them compete for your business, a smart buyer's position is "give me your best OTD pr...
by hudson
Thu Aug 20, 2020 9:58 am
Forum: Personal Consumer Issues
Topic: new car purchase: any reason NOT to do 0% financing
Replies: 90
Views: 7222

Re: new car purchase: any reason NOT to do 0% financing

As others mentioned, the conventional wisdom nowadays is to negotiate the price pretending you're open to financing regardless of how you actually intend to pay, drive it as low as possible, then admit you're paying cash (if so) only when in the finance office JackoC, I agree with what you said abo...
by hudson
Wed Aug 19, 2020 7:06 pm
Forum: Personal Consumer Issues
Topic: A primer on backup battery systems for power outages
Replies: 150
Views: 8736

Re: A primer on backup battery systems for power outages

Miriam2, You leave your house with your computer on. It is hooked up to the UPS. The one that you specified is fine. When the power goes off, your UPS will hold up your computer for a while, then it will cut off...so will your computer. The UPS should still protect against surges. Your computer shou...
by hudson
Wed Aug 19, 2020 7:57 am
Forum: Personal Consumer Issues
Topic: A primer on backup battery systems for power outages
Replies: 150
Views: 8736

Re: A primer on backup battery systems for power outages

Jack FFR1846,

Wow...a serious UPS! ...no expense spared.
There are folks who want to try to get 100% up time.
by hudson
Wed Aug 19, 2020 7:11 am
Forum: Personal Consumer Issues
Topic: A primer on backup battery systems for power outages
Replies: 150
Views: 8736

Re: A primer on backup battery systems for power outages

You can build your own battery system with many times the power of a UPS, and you could use it for all the items you listed as well as others (e.g. lights, anything charged from a USB, AA and AAA battery chargers, radio, small fans). willthrill81, Is this what you are talking about? https://www.doi...
by hudson
Wed Aug 19, 2020 4:42 am
Forum: Personal Consumer Issues
Topic: A primer on backup battery systems for power outages
Replies: 150
Views: 8736

Re: A primer on backup battery systems for power outages

willthrill81, If I had one of these batteries in my home, what would I use it for? I use a 1000VA UPS for my desktop, modem, google wifi, and a switch. If I had a backup battery in addition, what would it do for me? I also have one of those car battery jump devices like this with a 12V DC adapter h...
by hudson
Tue Aug 18, 2020 8:50 pm
Forum: Personal Consumer Issues
Topic: A primer on backup battery systems for power outages
Replies: 150
Views: 8736

Re: A primer on backup battery systems for power outages

Regarding backup battery systems for computers & electronics during power outages - We have a universal power source battery that provides surge protection only on its outlets on one side of the battery and battery backup & surge protection on the outlets on the other side of the battery. It is an ...
by hudson
Tue Aug 18, 2020 7:08 pm
Forum: Investing - Theory, News & General
Topic: When should one share financials with their children?
Replies: 205
Views: 13287

Re: When should one share financials with their children?

At age 72, I don't plan to share any details with children until something comes up where it makes sense to do so. I've seen some family members turn over control years before they passed. I've seen others who handled things just fine until their death. One, on the way to the hospital had his wife p...
by hudson
Tue Aug 18, 2020 6:43 pm
Forum: Personal Consumer Issues
Topic: A primer on backup battery systems for power outages
Replies: 150
Views: 8736

Re: A primer on backup battery systems for power outages

willthrill81, If I had one of these batteries in my home, what would I use it for? I use a 1000VA UPS for my desktop, modem, google wifi, and a switch. If I had a backup battery in addition, what would it do for me? I also have one of those car battery jump devices like this with a 12V DC adapter ht...
by hudson
Mon Aug 17, 2020 4:40 pm
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15992

Re: Should I purchase a whole house generator?

Another factor...and it goes back to the OP's question. Should I do portable or whole house? The other factor is being able to move a portable generator and keep it serviced. Today at 72, I'm lucky to be able to roll around a portable generator, pull a cable, hook it up to the house, and do whatever...
by hudson
Mon Aug 17, 2020 9:38 am
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15992

Re: Should I purchase a whole house generator?

Many thanks Luke Duke! Useful information!
by hudson
Mon Aug 17, 2020 5:30 am
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15992

Re: Should I purchase a whole house generator?

You can certainly use a 120V genset to feed your whole house transfer switch. I use a with my 1.8kw generator to feed my 200 amp whole house transfer switch during nights when we have a very low load. That way, whatever lights we need (bathroom, bedroom) and all refrigerators still work no matter w...
by hudson
Sun Aug 16, 2020 6:19 pm
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15992

Re: Should I purchase a whole house generator?

Please have the loads that you want to handle ready for him/her s o that he/she can provide inputs on what/where and how much you really need. FWIW - the 12+ year old Yamaha EF2800i that we have has no wheels but has a full frame and is 64#, i move it rather easily but it can also be easily placed ...
by hudson
Sun Aug 16, 2020 4:52 pm
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15992

Re: Should I purchase a whole house generator?

So the YAMAHA EF2800I is 3 wire and 120 Volt; an electrician could install a transfer switch that works with it. I don't see a wheel kit with handle. It sounds like inverter generators like above run just hard enough to pull the load? It sounds like I should talk to an electrician and figure out the...
by hudson
Sun Aug 16, 2020 3:05 pm
Forum: Personal Investments
Topic: Is it time to hold cash instead of Bonds?
Replies: 76
Views: 10532

Re: Is it time to hold cash instead of Bonds?

Cash instead of bonds? It depends on the definition of cash. To me, cash is actual currency, checking, or savings accounts. For a few months, I plan to put dividends and interest into cash accounts. Otherwise, I'm not making any moves. I like CDs, high yield savings, and Vanguard's Intermediate Muni...
by hudson
Sun Aug 16, 2020 11:10 am
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15992

Re: Should I purchase a whole house generator?

smitcat,

That works for me. If I could get a transfer switch that did the whole panel, I could go with the 120 volt generator.
by hudson
Sun Aug 16, 2020 11:04 am
Forum: Personal Consumer Issues
Topic: new car purchase: any reason NOT to do 0% financing
Replies: 90
Views: 7222

Re: new car purchase: any reason NOT to do 0% financing

I never really understood the doc fee cost of buying from a dealership anyway, so $500 saved with 27 emails with the sales rep is lost in other ways I imagine a lot of the time. I don't find that it takes that long; it's not that hard, but it is intense. I don't like sitting around dealerships wait...
by hudson
Sun Aug 16, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15992

Re: Should I purchase a whole house generator?

Thanks willthrill81,

I thought both devices were the same thing. I think that I want a transfer switch...and a generator that will run both sides of the panel....a 240 Volt Generator....that would be one with 4 conductors...I think.
by hudson
Sun Aug 16, 2020 10:23 am
Forum: Personal Investments
Topic: Short/intermediate term bond to help fund car savings?
Replies: 15
Views: 707

Re: Short/intermediate term bond to help fund car savings?

anon_investor wrote: Sun Aug 16, 2020 10:13 am 1. Super safe: online high yield savings account (Ally and Marcus currently offer 0.8%)
I agree with the above. Short term needs = safe short term investments.
Once you build up enough cash, look at converting to some CDs of appropriate length.
by hudson
Sun Aug 16, 2020 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 854
Views: 111236

Re: Best CD rates thread

MikeG62 and jeffyscott,
Useful information....Thanks!
When you find a deal, it does pay to make all of those contacts and expedite everything possible....or All Hands on Deck!
by hudson
Sun Aug 16, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15992

Re: Should I purchase a whole house generator?

smitcat,
Yes, I could consolidate 2 refrigerators into one...didn't think about that.
No garage door opener...no heat or hot water needed.
by hudson
Sun Aug 16, 2020 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 854
Views: 111236

Re: Best CD rates thread

MikeG62,

Have you looked at 5 year CDs? If so what's the going rate right now?
by hudson
Sun Aug 16, 2020 9:09 am
Forum: Personal Consumer Issues
Topic: new car purchase: any reason NOT to do 0% financing
Replies: 90
Views: 7222

Re: new car purchase: any reason NOT to do 0% financing

A sampling of a few of the replies I've gotten from dealers: I can't do any better than the internet price. And that's with financing. I wouldn't be able to honor the internet price with cash. The best price is going to be the price online. That price is also contingent on you financing through one...
by hudson
Sun Aug 16, 2020 8:31 am
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15992

Figuring Generator Loads

Mine goes into my breaker box, where it terminates on a 240V/30A breaker that has an interlock with the main breaker. When the power goes out, I start the generator, attach it to the inlet, turn off breakers for stuff I know I don't need, turn off the main breaker, slide the interlock out of the wa...
by hudson
Sun Aug 16, 2020 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Risk with paying someone with a personal check
Replies: 76
Views: 5200

Re: Risk with paying someone with a personal check

I have never worried about and never had fraud committed in more than 45 years of having accounts with checks and sending checks to lots of places and trades people, friends, enemies, stores, US government, state governments, utilities, whatever, wherever. I agree . If someone were able to cash a f...
by hudson
Sun Aug 16, 2020 7:20 am
Forum: Personal Consumer Issues
Topic: new car purchase: any reason NOT to do 0% financing
Replies: 90
Views: 7222

Re: new car purchase: any reason NOT to do 0% financing

The question was more about the advisability of selling equities vs very low or zero financing. I would likely pay the loan off early so that’s why the rate is not that material to me. It sounds like you have the cash OTD price. That's a great technique! Sell stocks or zero financing is the questio...
by hudson
Sat Aug 15, 2020 11:18 am
Forum: Personal Consumer Issues
Topic: Products that last forever
Replies: 238
Views: 15875

Re: Products that last forever

Pretty much any non-wood 20' sailboat. Ours (below) is from the 70s, and has been through an infinite number of owners, I believe. HUDSON WROTE: Around 1963, a local man donated an Old Town War Canoe to our explorer post. A year or so ago, I saw the same canoe for sale on Ebay. Several of us talked...
by hudson
Sat Aug 15, 2020 11:17 am
Forum: Personal Consumer Issues
Topic: Products that last forever
Replies: 238
Views: 15875

Re: Products that last forever

Pretty much any non-wood 20' sailboat. Ours (below) is from the 70s, and has been through an infinite number of owners, I believe. Around 1963, a local man donated an Old Town War Canoe to our explorer post. A year or so ago, I saw the same canoe for sale on Ebay. Several of us talked about buying ...
by hudson
Sat Aug 15, 2020 10:04 am
Forum: Personal Consumer Issues
Topic: Products that last forever
Replies: 238
Views: 15875

Some last; some don't

Good stuff that didn't last for me: I love Casio watches but they don't like me. My last 3 or 4 didn't make it 12 months. The plastic cases broke at a corner...the part of the case that holds the watch band pin. The watches still work fine, but I can't wear them. Nalgene water bottles: I dropped one...
by hudson
Fri Aug 14, 2020 4:01 pm
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15992

Re: Should I purchase a whole house generator?

Many thanks A440, willthrill81, smitcat, and Chuck107! Useful information! Is there a non-portable generator that I could just place somewhere in the back yard permanently...that comes enclosed? Maybe something like this? https://www.lowes.com/pd/Generac-PowerPact-7500-Watt-LP-6000-Watt-NG-Standby-...
by hudson
Thu Aug 13, 2020 6:28 pm
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15992

Re: Should I purchase a whole house generator?

Many thanks A440, willthrill81, smitcat, and Chuck107! Useful information! Is there a non-portable generator that I could just place somewhere in the back yard permanently...that comes enclosed? Maybe something like this? https://www.lowes.com/pd/Generac-PowerPact-7500-Watt-LP-6000-Watt-NG-Standby-G...
by hudson
Thu Aug 13, 2020 1:24 pm
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15992

Re: Should I purchase a whole house generator?

I don't care about an automatic setup. I want something that'll run a couple of refrigerators a small chest freezer, lights, and electronics. I like the idea of using a long drop cord that runs 220V and 4 conductors to an exterior wall....maybe 50 to 60 feet away. I don't want to build an enclosure....
by hudson
Thu Aug 13, 2020 5:24 am
Forum: Investing - Theory, News & General
Topic: Anyone else hoarding cash right now?
Replies: 201
Views: 21796

Slim Pickings

Which funds ETFs banks-cd do you use to get highest yields. For cash...Amex Bank...1% For CDs...I consult the Boglehead CD discussion or https://www.bankrate.com/banking/cds/cd-rates/ For funds...Vang Intermed. Muni (there is an ETF, VTEB...but I like VWITX/VWIUX better) Boglehead CD rates discussi...
by hudson
Wed Aug 12, 2020 3:55 pm
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15992

Re: Should I purchase a whole house generator?

So if I use Willthrill81's voltage drop calculator on lazydavid's 40 foot cable... Here's what I put in....I guessed at some of the numbers... wire material = copper wire size 10AWG Voltage: 220 Phase: AC single phase Number of conductors: 4 conductors per phase in parallel Distance 40 feet Load Cur...
by hudson
Wed Aug 12, 2020 3:49 pm
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15992

Re: Should I purchase a whole house generator?

lazydavid, Thanks for the pics! I saved them. You solved the noise problem with the enclosure and distance from your house. Exhaust fumes were also taken care of. Nice fan and ventilation! You never have to move the generator. You can easily get into the enclosure to do maintenance. What's not to l...
by hudson
Wed Aug 12, 2020 3:29 pm
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15992

Re: Should I purchase a whole house generator?

I like the above solution. A relative has a setup like that. Let's say that I choose a manual system like the above. Then I add a portable generator...maybe this: https://powerequipment.honda.com/generators/models/em6500. I'm sure that I'd need to figure my load. I don't know if this generator is o...
by hudson
Wed Aug 12, 2020 11:14 am
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15992

Re: Portable Generators and running extension cords?

What you are looking for is called a power in let. I have this one: https://images-na.ssl-images-amazon.com/images/I/71NQG-uHDJL._SX425_.jpg Mine goes into my breaker box, where it terminates on a 240V/30A breaker that has an interlock with the main breaker. When the power goes out, I start the gen...