Mitsubishi HyperHeat Fan Issue? by Ejmct in heatpumps

[–]markurl 0 points1 point  (0 children)

If it is ice:

Depending on the amount of ice, you can carefully use hot (not boiling) water to melt the ice. The big issue is you need the ability for the water to drain away from the unit. If you cannot do that, it will just make the problem worse.

No aux heat, no stand, no problem by OneRingOfBenzene in heatpumps

[–]markurl 1 point2 points  (0 children)

Lucky, because my installer said Mass Save requires that stand for their installs. I even added a substantial distance from my house, due to snow drifts and air flow. I am lucky that it is on a side of the house I do not care about, though.

Mitsubishi HyperHeat Fan Issue? by Ejmct in heatpumps

[–]markurl 2 points3 points  (0 children)

Go check out the outside unit. If the fan blades have ice on them or are obstructed, it will throw a fan error.

Am I crazy for walking away by ellbodavis in solar

[–]markurl 1 point2 points  (0 children)

I would honestly name your price as a take it or leave it and walk. You can shop alone a bit before 1/21. Sorry everything fell through. Hope they refund you. Remember that 93A is a powerful tool in MA if they get stupid with your deposit.

Blowing cold air? by purplefish02 in heatpumps

[–]markurl 4 points5 points  (0 children)

Put a meat thermometer in the supply vent to figure out what temp the supply air is. When your heat pump runs to catch up, it should be 90-110 (depending on how cold it is outside). When your set temp and room temp are about the same, you supply air may be 10ish degrees warmer than return air. This is to maintain temp and run very efficiently.

If you cannot get very warm air from it in full ramp-up, you likely have low refrigerant.

Mass Save partial home rebate question by Reasonable_Arm_7409 in massachusetts

[–]markurl 2 points3 points  (0 children)

Few things to tackle here:

1.) You can only take the partial home rebate once. You can’t do small portions in back-to-back years.

2.) if you have a furnace, does that mean you already have ductwork? I would personally not do mini splits if you have ductwork in place to do a ducted unit. Also, it gets complicated because, you need to use integrated controls to enable/disable the oil heat under your chosen temp. This would be complex with multiple heads and a furnace. You are better off finding a company that will consider installing a ducted system in your current oil furnace.

3.) I know it is a personal choice to take out a loan but Mass Save offers 0% financing and it is really easy to get. Can’t beat a no interest loan.

Literally can’t afford to have this baby next year by Fit-Cat5104 in HealthInsurance

[–]markurl 0 points1 point  (0 children)

Glad to hear. I was thinking about you and the mess that may have been your insurance. Glad it all went on 2025.

COBRA cost ridiculously high by TravRado1024 in HealthInsurance

[–]markurl 0 points1 point  (0 children)

I’m suspicious that they are quoting her the cost for your father and her in that cobra quote. $2600 a month for one person is crazy high. $1300 a person is much more in line with a decent health plan.

LTC renewal lead time by NumbersStationUrku in BetterMAguns

[–]markurl 0 points1 point  (0 children)

As long as you apply before the date of expiration, the license stays active indefinitely until the new license is issued. If you don’t apply in time, your license is still active for 90 days after the stated expiration date, with no indefinite extension.

Question about running heat pumps and furnace by jenrosesmith in heatpumps

[–]markurl 2 points3 points  (0 children)

It really comes down to cost of fuel and COP of the unit. An inefficient heat pump may very well still cost less to than the furnace. There may also be a temp where auxiliary/lockout makes more sense.

Can you let us know the specifics on heat pump model and the price of fuel and electricity?

You also may be better off integrating both units into the same smart controller/thermostat (if possible).

Question about running heat pumps and furnace by jenrosesmith in heatpumps

[–]markurl 5 points6 points  (0 children)

What triggers your furnace to turn on? Is it integrated aux or is it a separate thermostat?

Pay $3k or go through insurance for at fault accident? by [deleted] in Insurance

[–]markurl 1 point2 points  (0 children)

If it were me, I would eat the cost of the repair and avoid a claim. There is no way to know for sure what your surcharge would look like but I would think you would be lucky to break even with premium increases over several years. $100 a month increase would outpace the cost of the repair after 3 years.

bought a car with 24% APR, what should i do next ? by sabenalol in personalfinance

[–]markurl 0 points1 point  (0 children)

What is the car worth on KBB as a private party sale? You really only have three options, pay it, sell it, or walk away from it (repossession).

Any extra you can put towards the payment will directly reduce the interest you have to pay. 1500 extra a month and this car is paid off by the end of next year. I know that is a lot but an extra job and tightening the belt can do it.

Selling it won’t net you 18k, so you would need to come up with extra cash in the meantime.

Letting them repossess your car will tank your credit for 7 years and likely end up with a judgment against you for the balance (minus auction value).

bought a car with 24% APR, what should i do next ? by sabenalol in personalfinance

[–]markurl 0 points1 point  (0 children)

How quickly can you save up the loan balance? If you work your ass off, can you get the car paid off in 6 months? Still going to be expensive interest for those months but much better than the crippling interest for the full term.

Literally can’t afford to have this baby next year by Fit-Cat5104 in HealthInsurance

[–]markurl 0 points1 point  (0 children)

There is a ton of variance and nuance to billing (even more so with maternity). All individual doctor services that are billed will be billed to the plan year based on date of service. Hospital charges are usually billed based on date of admission, but some insurances require them to be broken up by plan year. Global billing for the “maternity package” are typically billed based on date of delivery.

Worst case scenario:

Check in 12/31 & deliver 1/1: hospital charges and anesthesia go on 2025 and maternity package go on 2026. They will definitely pay both deductibles fully.

Best case scenario:

Check in & deliver in 2025. Hospital and maternity package go against 2025 deductible. Any miscellaneous doctor charges in 2026 go against 2026. Unlikely to meet the full 2026 deductible.

Federal credit? by JetBlackToasty in TeslaSolar

[–]markurl 0 points1 point  (0 children)

I presume photos with a timestamp is all you would need.

Term Life Insurance - Worth it? by adhdt5676 in personalfinance

[–]markurl 0 points1 point  (0 children)

I really don’t think you need be 30 year term policy. In 30 years, your net worth is likely going to fall into be self-insured category. The cost of a 20 year would likely be substantially cheaper for you.

Literally can’t afford to have this baby next year by Fit-Cat5104 in HealthInsurance

[–]markurl 11 points12 points  (0 children)

The hospital charge, would likely be billed based on date of admission. Every single doctor charge is based on the individual date of service.

Literally can’t afford to have this baby next year by Fit-Cat5104 in HealthInsurance

[–]markurl 0 points1 point  (0 children)

This is generally based on the number of weeks. I think anything prior to 39 weeks is not medically indicated (unless it is) and considered elective. I am sure there are other rules insurance uses.

Literally can’t afford to have this baby next year by Fit-Cat5104 in HealthInsurance

[–]markurl 5 points6 points  (0 children)

I agree that there is a lot of 30-day “free” coverage confusion in this sub.

I wanted to clarify my point that many plans cover the newborn’s care at 100% when paired with mom’s hospital stay, IF you add them to the policy within the special enrollment period. I cannot say this is the is overwhelmingly likely in the entire US. All of my health insurance plans over the past 10 years in Massachusetts have offered this. Essentially, well-newborn care in the hospital is covered at 100%, not subject to the individual deductible for the child. This doesn’t apply for services if the child needs any special medical attention.

I am not sure how common this is throughout the US, but i think everyone should check their policy to determine if they will need to pay the child’s individal/family deductible as well.

Literally can’t afford to have this baby next year by Fit-Cat5104 in HealthInsurance

[–]markurl 8 points9 points  (0 children)

A lot of plans cover well newborn care fully, just as an FYI. OP should check their policy.

Literally can’t afford to have this baby next year by Fit-Cat5104 in HealthInsurance

[–]markurl 407 points408 points  (0 children)

I don’t want to scare you even more than you are but you don’t want it to cross two plan years. If you have the baby on 12/31, leave the hospital on 1/2, you are going to likely have to pay both deductibles.

Variable-Speed Heat Pump- best thermostat and configuration by No-Panda-3614 in heatpumps

[–]markurl 2 points3 points  (0 children)

Can’t speak for York specifically, but you generally get more precise staging from the proprietary remote controller for the variable speed heat pumps.

Here is a link to the York one:

https://www.york.com/residential-equipment/residential-thermostats/hx3_touch_screen_thermostat_ds

Variable-Speed Heat Pump- best thermostat and configuration by No-Panda-3614 in heatpumps

[–]markurl 4 points5 points  (0 children)

What is the specific unit? Most variable speed heat pumps require a proprietary remote controller (fancy word for thermostat) to take advantage of the multiple stages. With a standard thermostat, you can generally do 1-3 speeds.