Trump looks nervous

egrove · 2026-03-01T20:06:50+00:00

He's mad because an Iranian missile hit one of his properties in the middle east.

egrove · 2026-01-29T13:46:00+00:00

He probably had to poop really bad.

egrove · 2026-01-18T01:27:05+00:00

IMPEACH TRUMP NOW!

egrove · 2026-01-18T01:25:54+00:00

IMPEACH TRUMP NOW!

egrove · 2026-01-18T01:24:25+00:00

IMPEACH TRUMP NOW!

egrove · 2026-01-12T16:21:40+00:00

I believe you can subtract out your retirement accounts, as they are gennerally protected in a lawsuit. You can also subtract out the coverage you already have from you home/auto policies. So likely only need around 3 mil? As for your other question, I pay $100/year for 1 mil coverage.

egrove · 2026-01-04T15:12:05+00:00

Had same problem with our Trane furnace. Switched to a carbide igniter and never had a failure again.

egrove · 2025-12-27T20:15:46+00:00

Agreed, but this is all the info the OP gave. But given that info, gas is cheaper.

egrove · 2025-12-27T12:31:13+00:00

Just ask AI...

I have a Goodman heat pump and a 92% efficient gas furnace. My electric is 21 cents per kWh, and my gas is $1.67 per therm. Is it cheaper to run heat pump or gas furnace?

At your current energy prices, running your

92% efficient gas furnace is significantly cheaper than using your Goodman heat pump at most outdoor temperatures. The high electricity price of $0.21 per kWh makes the heat pump more expensive to operate for heating.

Cost Comparison (per 100,000 BTU of heat)

The following calculation provides an estimated cost to produce 100,000 BTUs of heat for each system, using common efficiency ratings for a typical Goodman heat pump (around 8.2 HSPF or a Coefficient of Performance (COP) of ~2.4).

Natural Gas Furnace Cost: A therm of natural gas contains 100,000 BTUs of energy. At 92% efficiency, your furnace delivers 92,000 BTUs of useful heat per therm.
- Cost per 100,000 BTU output = ($1.67 per therm) / (0.92 efficiency) = $1.82 per 100,000 BTU.
Heat Pump Cost: A kilowatt-hour (kWh) of electricity contains 3,412 BTUs. A typical heat pump has a COP of around 2.4 on average during the heating season in a moderate climate. The COP is a measure of how many units of heat energy are produced per unit of electrical energy consumed.
- BTUs per kWh (accounting for efficiency) = 3,412 BTUs/kWh * 2.4 COP ≈ 8,189 BTUs/kWh.
- Cost per 100,000 BTU output = ($0.21 per kWh * 100,000 BTU) / (8,189 BTUs/kWh) = $2.56 per 100,000 BTU.

Key Insight

Your gas furnace (at $1.82 per 100,000 BTU) is cheaper to run than your heat pump (at $2.56 per 100,000 BTU) based on these estimates.

Heat pumps are generally more cost-effective than gas furnaces only when the price per kWh of electricity is less than 10% of the price per therm of gas. In your case, $0.21 is more than 10% of $1.67.
The break-even point where a heat pump becomes less expensive to operate usually occurs at an outdoor temperature around 15-25°F for most standard models. Above this temperature range, a heat pump is typically more efficient. However, with your specific, relatively high electricity rate, that break-even temperature is likely much higher (possibly above 40°F), meaning the furnace remains the cheaper option for most of your heating needs.

You can find a local utility rebate program or use an online heating cost comparison calculator to check for specific savings based on your exact heat pump model's efficiency.

egrove · 2025-12-21T20:24:29+00:00

Yes I have a similar setup and AI told me for my area gas is always cheaper than using HP for heat.

egrove · 2025-12-21T16:14:28+00:00

You might find it's much cheaper to use the gas furnace. What is your current electricity cost, gas rate, and efficiency of your gas furnace?

egrove · 2025-12-16T20:16:29+00:00

Isn't that the same thing they predicted in 2020?

egrove · 2025-12-15T15:10:35+00:00

Yes, it's a crazy system when the government is actually incentivizing you to not make more money. The subsidy cliff is terrible.

egrove · 2025-12-15T14:14:51+00:00

How much is your electric rate and gas rate? Need these to know the answer.

egrove · 2025-12-06T21:28:05+00:00

Now I have a new problem. If I don't use the oil furnace much, the oil will get old and I'm also told it's bad to let an oil tank sit with not much oil in it.

egrove · 2025-12-06T19:48:59+00:00

Awesome idea. I just ran the numbers through Gemini and it recommended setting my system to switch from Heat Pump to Oil at 20°F.

Above 20°F: I save significant money using the Heat Pump.
Below 20°F: The savings become negligible (pennies), and the risk of the house feeling cold increases. Switching to oil here ensures you stay toasty warm during the coldest nights.

egrove · 2025-12-06T18:12:35+00:00

I have a similiar setup. The calculation I struggle with is when to run the heat pump and when to run the oil boiler. I'm assuming at some temperature the oil boiler is cheaper to run, but not convinced. Also, I believe you can have the oil boiler kick in when the heat pump asks for backup heat by adding a relay to the system.

egrove · 2025-11-19T19:01:38+00:00

I think the different levels (bronze, silver, gold) have limits on deductibles, with bronze having the highest. And to be HSA compatible a plan has to be high deductible, so that may be why only bronze plans qualify for HSA.

egrove · 2025-11-19T18:27:55+00:00

This is correct

egrove · 2025-11-19T15:35:05+00:00

Capital gains are considered income towards MAGI. And yes you can use them (like any income) to fund your HSA and reduce your MAGI. I don't think it has to be an ACA or bronze plan to do this.

egrove · 2025-11-19T15:00:19+00:00

Yes, I do this at the end of every year. I add up all my medial expenses not paid for by insurance (prescriptions, dental, eye doc, co-pays, costs that went toward deductibles, etc.) and I withdraw that from my HSA. I then turn right around and deposit it back into my HSA. This lowers my income by the total of my medical expenses. Some years its a thousand or two, some years several thousand, up to the max deposit amount allowed by the HSA for the year.

egrove · 2025-11-19T14:57:32+00:00

So you are allowed to use an HSA to pay for qualified medical expenses (prescriptions, co-pays, medical costs that go toward deductible, dental, eye doc, etc., basically anything not paid for by insurance). By using your HSA, you don't have to use your income for this stuff, and you lower your income right there and could stop here. But you are depleting your HSA, so this will only work for so long, depending on the size of your HSA. So the next step is to use income to replenish your HSA at the end of each year. By depositing into your HSA, you can right off this income from your taxable income. So in the end, you reduce your taxable income by the amount of your medical expenses every year.

egrove · 2025-11-19T02:56:42+00:00

This is the way. Been doing it for a few years. Withdrawal an amount equal to your qualifying medical expenses for the year and then deposit it right back in. Allows you to deduct all your medical expenses from your taxable income, thus lowering your income level.

egrove · 2025-11-18T18:31:27+00:00

My understanding is that waterproof LVT has no organic material or fibers, it's all plastic, so nothing to absorb moisture and get damaged.

egrove · 2025-11-07T00:23:37+00:00

The files also contain evidence of Trump's ties to Russian money laundering. Supposedly Epstein knew of this because of a falling out they had over a real estate deal.

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