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Is tourque more relevent than CC's ???
Comments (7)I think the 8.75 is a torque measurement while 6.5 and 6.75 is hp.. The c.c number is simply the cylinder displacement and is only in a very rough sense correlated with the power of the engine. To be perfectly honest you should ignore the engine specs when choosing a mower. Engine specs will tell you very little about how well the mower will do it's job of turning long blades of grass into short ones. You can fall into the trap of seeing a honda engined mower with big numbers at Wal Mart or Target for an unbelievable price. The mower will be mediocre at best. Far more important are features like deck design, well construction, proper controls, etc. In my experience if you focus on mowers from the big makers (Toro, Honda, Snapper, etc) you can safely assume the engine and components are correctly designed and matched to the machine. Just focus on a mower within your budget that has the controls that fit you the best....See MoreAn earnest request, if you consider it relevant, if I may
Comments (6)Hi, I don't disagree about the surcharge - but I don't want to have to pay it! Our bill is largely "delivery" as well as is our natural gas bill and I have the heat pumping. And we were one of the 10,000 Toronto residents who were selected for the smart meter trial program so while other people were burning every light in their homes and using every appliance at normal rates we were charged the variable rates. I don't think anyone should have had to pay the smart meter rates until everyone did. Same with the garbage bins - once again we were the first to receive them in Toronto - so were restricted as to what we could put out - whereas people on the other side of Yonge St. were putting out half of their house contents it often seemed (and no, we don't put out that much - but still). Then of course both of us have been called for jury duty - last time for me it was for a 4 month first degree murder trial. I know a lot of people who have never been called - and others who have gotten out of it for the most stupid of reasons. So I figure with just the two of us we are paying our share. Then there is the couple with hardly any health issues that can be treated who must pay for everyone elses' 12 prescriptions (the average - no kidding). Funny you should mention electricity though. You may have heard on the news just the other night that it is expect that hydro bills will go up 33% over the next 2 - 3 years. Apparently people are going to be allowed to purchase energy efficient windows and pay for them via their hydro bills - they sure had better be paying for ALL of their own windows - and what happens if they sell? More money for the real estate lawyer for sure. A disaster waiting to happen, I can see it now. I don't know what I am going to do next election - I am somewhat of an independent although there is one party I will absolutely never vote for - and the one I would have voted for has a leader that will cost them the election. Then of course there will be the Toronto elections - particularly for the mayor. I do have a candidate in mind unless he/she is endorsed by our ward Councillor and then it will be back to the drawing board. Re groceries I can't believe how much cheaper dairy is in the U.S. and meat. I read on this forum how much (little) people are paying for dairy and meat and I can't believe it. Of course, the dog gets only the best....And I did buy a $50 million Lotto max ticket for this week - I do not expect to win. Great that they tracked that woman down who won and had lost her ticket. It is a very good thing that she paid via her credit card and was the only person who had a cc purchase of $16 that day. I would be really ticked off to have 6 numbers but not the bonus for the 7th and only receive $115,000. But someone has to win, so why not me (or my dog, who might share). Should I win tomorrow night it will be a very long weekend waiting for 9:00 a.m. Mon. morning. I would have our banker come and take the deposit at the lotto office. A woman who won $12 million several years ago did exactly that. She told her bank that if they wanted the money to come and get it. They made the right decision. Oh, to be in that position....See MoreIgloochic - more gastric ?s
Comments (17)Sue, I'll ask DH as soon as he's home (he's on a plane) so I'll post it tomorrow. Why he can retain that name but I can't...I don't know. Anyhoo, she's with JH proper verses the area we were in, female (ok that's obvious) african american if I remember right...and a specialist in ped IBD under 5. I owe that woman my life and I don't remember her name! Anyhoo, I won't forget to post it tomorrow. Ehhh screw that I decided to go online and look at all of them and she came up first (she's kind of strikingly gorgeous so I remember her picture LOL). Maria Oliva-Hemker MD Aj's mama...is this aj that's the problem LOL Gad, there's the problem with an older child. This is a tough issue and so hard on a preteen. I assumed immodiam was in use, so if not, do add that. (We couldn't because of my son's age) it's something and it would help a bit, if only to control the violence of a "moment". What to do if he won't cooperate? You're challenged there hun. It's almost easier for me because my son is so small he does not yet know it's suposed to be an embaressment. He has to buy in if you are to get him care. You know your son best, but if you make the appt and then consider leaving him with the doc on his own, he might open up more (cuz the gastro guys are used to this). Your ped is ok in ordering that test...but also insist on the referral. It takes time to get in, and if you son is celiac you'll still need a gastro guy so gettting in line isn't going to hurt. I remember our first ped...since fired. He didn't want to refer. I told him that I wanted to see an expert and he wasn't it. I was going to do so with or without a referral and if he was wrong, could he handle the financial implications in denying the referral. He provided the referral immediately. I don't remember where you are. If you're near Minnapolis I can give you the name of a great doc there (they have a school of gastroenterology). Sue: Here is a link that might be useful: Dr. Oliva-Hemker...See MoreThe Relevance of Comps in a Declining Market
Comments (22)Mary, I agree that we have been sold a bill of goods in thinking that we have an investment when we buy a home. It never really should be seen that way. The problem is, for the vast majority of us, it is the largest investment we have. I think it has been only in recent years that the home was seen as a way to make money, though. The run-up in prices in the last 20 years has led us to think it should always be that way. I know when I bought my first house, in 1985 in New Jersey, it was a fast-paced market. I know that home prices were accelerating at a few percentage points a month. We felt we had to get into the market as quickly as possible because of the fast rise in prices. We bought the house for $96,600. Then DH got transferred and we sold it for $124,000 nine months later! You know my story - remodeled the kitchen to meet my every need, including huge pantry space for my vegetarian husband and a dog paw-washing station at the back door. We never expected to sell. Then I got a better-paying job and Dad moved in with us, and my knee went kaplooie! The steps in the home were a problem for Dad and me, and we were just too tightly packed in. We went to an open house and ended up putting a contract on a house within three weeks. Then we needed to get the old house ready to sell. We tried FSBO, for six months, then got a realtor. We are now selling it with a two-year rent-to-own contract with a closing in August 2009. Our pricing probably had a lot to do with the long time to sell (17 months). We started at the price a comparable house sold for two months earlier. The market had not started going down, yet. We had an appraisal done because the comps were really not that comparable - brick 1300 sq ft plus a finished basement with a 2 car garage on a smaller lot with no updates to the house vs a frame house with decorative brick on the front with 1450 sq ft and a 1.5 car garage, completely updated, custom kitchen with over 20 cabs and a pantry, unfinished basement, larger lot. So we paid for a professional appraisal and then upped the price to $165k when that was what it said. We didn't know it then, but that was a mistake, because the market was starting to go down. Pre-appraisal, we had no MLS, no advertising, so it was only known to the open house attendees from the month of March that we had upped the price, so it was not too obvious. We lowered the price in June, and again in August, when we listed it with a realtor at $159k. We got our only other offer besides the rent-to-own last Christmas time. It was for $119k, and we had to pay $6000 toward her closing costs! It turned out that she could only qualify for a house up to $140k, so she chose her offer price where $140k would be halfway between our asking and her offer. We lowered the price to $149k this spring and it seemed to generate a lot of interest, but no offers! I found the buyer at work - she is a nurse at one of the nursing homes I visit. She knew she could not buy right away, so we spent about a month going back and forth about how long she could rent before buying. Once I did the math and found that our cost basis exceeded $145k before adding the costs to sell the home, we told her to make an offer. We have now spent a month getting the price agreed on. Now we are going to get a lease application from her, and if that is acceptable, then she will move in in a few weeks. Our mistake through all of this was FOLLOWING the market's prices down, I think. That and a single bathroom, which we could not change. We were on the top two or three of several buyers' lists, but never made #1. Our misconception of what our house was worth was also buoyed by the neighbor's house across the street. It sold for $160k last September and had only 1000 sq ft. But the huge, high mechanic's garage is what sold that house, and the against-code urinal and furnace in the garage helped. This sale led us to keep our price higher too long. That is the trouble with comps. Our house is identical to that 1000 sq ft house except for our $30k kitchen, our extra room off the kitchen, and our extra 12 x 23 room above the garage. He didn't have these things, but he had that garage. Why shouldn't we get a price similar to his? We has 445 more sq ft - almost a third larger home. The moral of our story is that comps can lead you astray in a declining market. You follow the prices as they plummet, and you lose. We have put $145 into a house that is selling for $139 - two years from now! Did we lose money on the deal? Sure we did. We also rescued a house that was on the verge of having structural dry rot problems and turned it into one of the nicest in the neighborhood. There is some spiritual value in that. We added value and lifespan into that home. The buyer is coming off a bad time in her life, and the nice home she will live in will give her some comfort as she rebuilds. There is certainly value in that. I guess you could say we lost monetarily in this home, but gained a lot in knowledge and karma. We learned not to do that again with our money, and to never say "never" (as in, "we are never going to move from this house.") when it come to plans for the future....See More- 9 years ago
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