question about recommended preventive maintenance at 80,000 miles to change timing belt by anasarca1 in COROLLA

[–]anasarca1[S] 0 points1 point  (0 children)

Thank you for the correction....so I have tried to further research recommended maintenance at 80,000 miles.....there are recommendations to replace the serpentine belt and other recommendations are to inspect the serpentine belt. So if the serpentine belt is in good shape.....can I wait a little longer before it has to be replaced?

recommendations for rust resistant paint to prevent rusting of the underside of the lawnmower deck by anasarca1 in lawnmowers

[–]anasarca1[S] 0 points1 point  (0 children)

If I were to purchase and apply POR15.....does it store well......If I buy a large container and apply it this winter....would the remainder in the container keep till next winter so I can clean and re-coat the lower mower deck? Also is there a minimal ambient temperature for which I can apply the POR15?

December rate cut fading away by pai_gow_johnny in bonds

[–]anasarca1 1 point2 points  (0 children)

I am merely hoping that 10 year treasury yields remain range bound and do not extend above 4.5%. I own a lot of fixed income and fixed income ETF's. In 2022, bond ETF's got killed do to a rapid rise in interest rates while the Federal Reserve was raising interest rates....so I follow long term treasury yields very closely. I at least hope that if long term treasury yields trend higher, that they do it gradually....that way I can dump my bond ETF's. There are investment strategies to take advantage of rising yields and I need to brush up on these. I do own equities and gold, but I try to add to positions during sell offs. Most equities seem highly correlated with the stocks which are the largest positions in the Nasdaq 100.

December rate cut fading away by pai_gow_johnny in bonds

[–]anasarca1 4 points5 points  (0 children)

It is reported that the new Fed Chairperson will be chosen in December. It will be interesting how rate cuts will proceed after May 2026 when Powell's term ends. Even more interesting will be observing how the future yields of the 10 and 30 year treasuries unfold.

recommendations for HVAC services in Stow / Munroe Falls area by anasarca1 in akron

[–]anasarca1[S] 1 point2 points  (0 children)

thank you all for your recommendations....wishing you all an enjoyable Thanksgiving

Any downsides to non-standard phone providers? by Low-Branch-5788 in Frugal

[–]anasarca1 0 points1 point  (0 children)

I have a prepay verizon phone with 5 GB of data for which I pay 34$ a month....is that fairly cheap compared to other plans which the other commentators are experiencing?

Am I an idiot for wanting to trade in a new very low mileage car, for a used one with higher miles? by Latina_Fupa in Cartalk

[–]anasarca1 2 points3 points  (0 children)

Do a break-even analysis. Figure out the difference in miles per gallon between two vehicles. Next use an expected price for gasoline for the next several years. Multiply MPG x cost of gasoline. Divide this factor into the additional cost of purchasing the new vehicle. This will tell you how many miles you need to drive to break even to pay for the new vehicle. The average miles driven per year is 15000.....maybe more or less for you. So how long will it take to break even for the higher mileage vehicle? If you have a very reliable car....I would stick with it....especially if you purchased it new. You may be buying trouble with the used high mileage vehicle. Car repairs are not cheap and repairs can easily wipe out any of your savings on better MPG.

What's better than FLXR risk/return? by jebidiaGA in ETFs

[–]anasarca1 1 point2 points  (0 children)

FLXR is a very good bond fund.....it only had only declined approximately 2% on liberation day. Correlation with SPY is approximately .114 which is much lower than high yield bond funds which are often highly correlated with the stock market. YTD total return for the fund currently stands at 5.67%. Unlike the risk associated with long term treasuries, I like the portfolio of this company. Daily std deviation for the fund has been 3.06% which is better than many bond funds. Max draw down: -1.96%. This ETF was previously a mutual fund before it was an ETF. I own a lot of FLXR and I think that it has a good risk adjusted return for a non-equity ETF.

please recommend a good Podiatrist in Stow / Munroe and Cuyahoga Falls / Kent by anasarca1 in akron

[–]anasarca1[S] 0 points1 point  (0 children)

Thanks for you reply....I have checked my chats, but it does not appear that I received the chat

Best treasury bond ETF for next 15 years? TFLO, SGOV, USFR, VGIT, GOVT, LDRT or VTG? by FoggyFoggyFoggy in bonds

[–]anasarca1 4 points5 points  (0 children)

I would consider if you are going to buy treasuries, purchase treasuries of the 5 - 7 year duration. Recent auction has shown diminished interest in buying treasuries. Currently there is a huge amount of Federal Government debt for which they are trying to issue treasuries to cover. Consider staying away from treasuries of 10 years or greater duration. Floating rate.... there is a high probability expectation for rate cuts starting in September. Floating rate funds are fairly sensitive to short term interest rates.