To keep the car a bit longer than usual, do I replace parts before they really go bad, or should these parts be replaced where the maximum benefit can be realized?
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Monday, March 22, 2010
Investments or Waste of Money?
To keep the car a bit longer than usual, do I replace parts before they really go bad, or should these parts be replaced where the maximum benefit can be realized?
Sunday, March 14, 2010
Lyle Bien -1996 Taiwan
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Vice Admiral Lyle G Bien USN (Ret.) was in command of the Nimitz Battle Group throughout her response to the Taiwan Missile Crisis in 1996.
Bio Diesel - the New Fuel
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by Joe Gokaho 2010.03.14 D7
http://www.trucktrend.com/features/tech/163_0210_diesel_vs_gas/index.html
Sunday, February 28, 2010
Replacing Vehicle Shocks & Struts
When is it time to replace shocks and struts?
Friday, February 12, 2010
Why cash out property before changed to rental use?
by Joe Gokaho 2010.02.12 D5
Wednesday, February 10, 2010
A New Texas Governor



by Joe Gokaho 2010.2.10 D3
Wednesday, February 3, 2010
Earned Income Tax Credit Needs to be Re-Tuned
by Joe Gokaho 2010.02.03 D3
This is the link to the "EITC" from the IRS website.
My main reason for opposing our current Earned Income Tax Credit is about the rules. It's all about AGI based.
Government wants us to rely on "government subsidy", not to work hard, because we might "earn too much" and loose EITC.
# # # #
Here are comparisons for "unjust" "unfairness" rules for qualifying EITC
# A A A #
Person A: has 2 qualifying children and makes $57,000 a year.
For Persona A takes standard deduction, the simple returns shows
that Persona A meets the EITC AGI threshold of $40,290 ($57,000 - 3 x exemption $3,700 - standard deduction $5,700 = $40,200)
Then person A get a check for $5,028, that makes
Person A earning = $57,000 and $5,028 tax free for a total $62,028/year
NOTE: EITC of $5,028 is equivalent to a W-2 wage 0f $6,905. //Note: FICA (6.2% & 1.45%) and federal income tax (10% for this tax bracket) or state income tax (CA 9.55%) //
# B B B #
Person B: has 2 qualifying children and he also makes $57,000 a year.
Person B decides take a part time job to supplement his income. The job pays $140 every weekends, That brings him a W-2 wages of $57,000 + $7,280 = $64,200
For Persona B takes standard deduction, the simple returns shows
The persona B has a AGI that EXCEEDS the EITC threshold of $40,290 ($64,200 - 3 x exemption $3,700 - standard deduction $5,700 = $47,400), so Person B doesn't get the $5,028 check.
For Person B, the real take home pay for that $140 weekend job, it only netted him $5,300 in his pocket.
Person B earning = $57,000 + $5,300 (after tax) = $62,300/year;
As is (do nothing) A earning = $57,000 and $5,028 = $62,028/year
# C C C #
Person C is making a bit more money that Person A and Person B, he pulls in $63,000 a year.
Person C figures out by contributing 10% of earning ($63,000) into his 401K plan will reduce his W-2 wages used for calculating AGI. The AGI is only $56,700 and Person C gets the EITC of $5,028
As (play with tax code) Person C earning = $63,000 + $5,138 (free) = $68,138
As is (do nothing) A earning = $57,000 and $5,028 = $62,028/year
2. Why would Person C need more government assistance than Personal A? Person C is creating his personal wealth on tax payers back?
Let EITC to be "age" based, not AGI based, helping out family with kids by giving parents more money into their pockets toward child education or after school activities. We are not penalizing higher wage earner, instead they will create more jobs for the economy in the "eduction sector" by sending their children everywhere as "consumers".
1. EITC is not a "cash back" based. EITC is not indexed AGI tax bracket.
2. Dependents - children under 25, are entitled to "additional deduction" - all filing format - either 1040 (long or short), taking standard deduction or itemized deduction, filing single, married, or head of household.
3. The exemption deduction of $3,700 per person still applies.
4. After AGI calculation, additional $12,000 deduction can be applied for 1 child, $16,000 deduction for 2 children or $20,000 for 3 or more children.
For the middle class, the typical tax bracket is around 15% to 25% bracket range;
The saving (15% -25% tax bracket) of $1,800 to $3,000~ $200 /month for 1 child,
or Saving of (15% -25% tax bracket) of $2,400 to $4,000 ~ $267 / months for 2
or Saving of (15%-25% tax bracket) of $3,000 to $5,000 ~ $333 /months for 3 or more
I call this a supply side (non-government) stimulus plan. It's not just cash in the pocket, but rather it is a fair and meaningful tax cut for educating our kids.
Saturday, January 30, 2010
Texting Behind Wheels
Friday, January 29, 2010
Carfax Report - Should you avoid it completely??
by Joe Gokaho 2010.01.29 D5
Wednesday, January 20, 2010
What's (Understanding) that MLS Code - Home Buying; hidden cost of owning a house
January 2010 - MLS Codes
^^^^^^^^^^^^^^^^^^^^^^^^^^^^
I am thinking of buying another house; it's hard not to pass the 6,500 credit/cash in the down market. Realtor sends me a daily update on properties that meets my criteria. The listing is full of codes that I don't understand.
These are interesting codes to know;
One can make offer under these codes
____ NEW (I think it stays new for 10 days); then
____ ACT (active listing);
____ PCH (price change - up or down? who knows, new code lasts for 10 days? then back to ACT)
____ BOM (back on market; house not sold per previous contract;
new code lasts for 10 days, then back to ACT
Want to make a good deal?? Look for
____ DOM Days on market; either the seller lowering listing price or you can drive for a bargain
When status changes to these codes, then it's either "stand by" or going "bye-bye"
____ AO (active option); agreement has reached; but not finalized
____ PDB (pending backups); seller still accepts offers while agreement is being finalized;
Just in case the original contract falls apart.
____ PND (Pending); agreement is finalize and working out the payment and transfer of ownership
The typical sequence ACT, AO and PND, then SOLD
____ ACT RFR (Right to first refusal); to me- it's same as Pending Backups;
Just in case the original contract falls apart.
When status changes to these codes, no one knows what's going on; it can be either "stand by" or going "bye-bye"
____ WDN - Listing withdrawn
____ CAN - Listing is cancelled (same as WDN)??
____ EXP - Listing has expired;
February 2010 - Hidden costs of owning a house
^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^
- $2400 Paint job (15 years)- for a 2400 sq ft house ($160/yr)
- $6000 Roofing (25 years) - ($240/yr)
- $1800 Fence Repairs (20 years) - assuming your neighbors will share costs ($90/yr)
- $60 Sprinkler fixes (1 year) it happens all the time ($60/yr)
- $6000 Air conditioning, condenser & evaporator (15 years) - it's best to repair them in pairs to maximize the energy efficiency. ($400/yr)
- $3000 Heater element & blower unit (30 years) - these two goes out about the same time ($100/yr)
- $600 Water Heater (20 years) - It's expensive to have these installed by the pro ($30/yr)
- $400 Facet/Toilet Repairs (20 years) - it wears out too ($20/yr)
- $500 Toilets (25 years) - I don't know why, but it seems we all get tired of using same toilet ($20/yr)
- $1250 Plumbing drain lines (25 years) - as the house gets older, so as the draining system ($50/yr)
- $1200 Refrigerator (20 years) - Even though some of the problems can be repaired, but the improvement in energy efficiency out weights the repairs ($60/yr)
- $600 Dishwasher (15 years) - It doesn't matter whether the dishwasher see any action or not, it seems to go out on the clock ($40/yr)
- $900 Washer & Dryer (15 years) - . The older w/d like Kenmore seems to last a lot longer the newer . ($60/yr)
- $800 Cooktop/range/oven-Microwave oven (20 years) - replacing switches or fixing control panels are expensive ($40/yr)
- $300 Range hood (30 years) Once they get old, the performance goes down ($10/yr)
- $150 Garbage Disposal (15 years) - it's like dishwashers, it goes out on the clock ($10/yr)
- $400 Water softener (20 years) - it's also expensive to run the equipment ($20/yr)
- $3750 Flooring/Carpet (15 years) - the wood floor or other surfaces may be more durable, but they also cost more to replace ($250/yr)
- $1600 Attic Insulation (20 years) - it seems like the blow-in type of insulation loose it's performance over time ($80/yr)
Monday, January 4, 2010
Blind Dates - What Do Women Want?

by Joe Gokaho 2010.01.04 D1
http://www.indgirl.com/index.php/humour/what-women-want-in-a-man/
Monday, December 14, 2009
Inside Story - Airframe Liaison 101

If you have new suggestions for the newbies, add that to the list.
Do the impossible
1. Remove and replace hole
2. Melt down and re-pour
4. Beat to fit, hammer to shape, paint to match
5. Rework to what blueprint is supposed to be
7. Remove interference and replace with gap
10. Radius out and fair in – do no remove any material.
18. Make it fit
19. Sand blat part until it isn’t
20. Add sufficient paint to obtain blueprint wall thickness
It's Up to You
13. Hit the SOB with a big hammer – maybe it will fit then
16. Apply a good coat of Vaseline and get a good running start
6. I can’t understand the drawing either, make it like you want
8. After you mess up the above disposition, resubmit for scrap
12. Inspect quality into discrepant area
Let's Make It Easy for Both of US
3. Use as was
9. Scrap, I can’t think of anyway to fix it.
11. Resubmit for use as is.
14. You are only 100% out of tolerance, use as is
15. Us as is, Send it to next position and see if they can get it to work
17. Use as is. Production schedule overrides good engineering
21. Use as is – No feasible repair
Thursday, December 10, 2009
How Do I Know It's Time to Change Job?
Wednesday, December 9, 2009
Up and Up - Costs of Replacing Wiper Blades

Tuesday, November 17, 2009
Jesus Loving Bumper Stickers and Fish Decals

Wednesday, November 11, 2009
Windows 7 and Multiple Physical CPUs

I tried Vista 7 - couldn't take it - and continued on with the XP Professional for another 2 years. The buzz is about IT roll out plan for Windows 7; to me, it is a message for me to learn Windows 7.
The special offer, $150, provided 3-user license for upgrading to Windows 7 Home Premium. I thought it was a good deal!
I upgraded my Thinkpad T61 (Core2Duo, T7300 2.0GHz) to Windows 7 Premium 64-bit. It works ok, many of the hardware are still hard to find, still having many unresolved "!" "?" on many devices.
The next PC in line is a IBM Intellistation Pro Z. Yes it's old, but the benchmark performance on the Dual Xeon (P4) setup is still pretty good. I was counting on the 5x500gb SATA in RAID to pull ahead. Spent hours and hours trying to figure out why Windows device managers shows 4 CPU while the perfomance monitor shows 2 CPU history. Why?
After googling for many hours, and many of my own testing
Windows 7 Home Premium supports
1 physical CPU with multi-cores.
2 physical CPU with multi-cores
More googling from a foreign website, it confirm my greatest disappointment.
# # #
From the BIO setup, I turned off HyperThreads function
Device manager sees 2 CPU, MSCONFIG & Performance monitor shows 1 CPU Usage History
From the BIO setup, I enabled HT function
Device managers sees 4 CPU, MSCONFIG & Performance monitor shows 2 CPU Usage History
I unplugged one of the CPU, leaving it with just 1 CPU, with HT function enabled
Device manager sees 2 CPU, MSCONFIG & Performance monitor shows 2 CPU Usage History
The biggest bummer of all - it going to cost $200 to upgrade to Ultimate version 7 if I want to see both of XEON processor at work!
Tuesday, November 10, 2009
Notes from Fortune Cookies
Saturday, October 31, 2009
Adding Ethanol to Petrol Fuel Doesn’t Improve Air Quality

by Joe Gokaho/2009.10.31.D6
Key backer of ethanol fuel wants to increase the amount of ethanol into typical petroleum fuel mix. Many of the large cities use “improving air quality”, as the reason for doing so to comply with the federal, EPA, air quality mandate.
It’s tested by many organizations, like MotorWeek, showing the overall fuel efficiency has drop significantly in many vehicles. Even though “per gallon” pollution has reduced as the result of combining petroleum fuel with ethanol, but it takes more “gallon” to get to where you want to go.
I live in a city, where the area is not subjected to the “tougher clean, ozone days”, but we are approaching to the EPA limits. Many of the gas stations dispense fuel without ethanol. The gas stations at the nearby city dispense fuel with 10% ethanol mix. Here is my personal repeated many times over - “1 data point” experiment done on my vehicle (not optimized to run ethanol, no turbo to take advantage of higher compression etc).
Fuel with 10% ethanol = 20.5 mpg
Fuel without ethanol = 22.0 mpg
10% ethanol may have reduced the polluting compound, but it takes 7% more of the blended fuel than conventional fuel. The net results are:
1. More CO2, for the global warming stuff – (according to some scientists)
2. It costs me more money to take me to places
3. It’s doesn’t really make air cleaner, it actually makes it worse because we need to burn more of it.
4. We get burned on both ends, by paying (subsidizing) the ethanol producers, and use it more at the pump.
Let’s save the subsidy toward making ethanol, let farms grow corn where it most suited – for food. (cost vs benefit).
The subsidy can be better used, for encouraging use of “proving” technology that actually burn less fuel. Here are some examples:
1. Manual transmission: It’s improves city driving fuel efficiency.
Consumer Reports test result shows, 2008 Honda Accord, 4 cylinder
18 mpg for 5-speed manual
15 mpg for 5-speed automatic
That’s whopping 20% improvement,
20% less of CO2
20% less of money spent on “possible foreign oil”
14% less of “pollutants” than running E90
2. Making more gears, and more aerodynamic shape vehicle
Consumer Reports test shows, a 8-speed automatic 2009 Lexus LS460 improves fuel consumption (32 mpg) over the 5-speed 2003 LS430 (29 mpg highway) by 10%
Well, going green, consuming less is great and we should. But we need spend money (subsidy) wisely, congressman.
End Subsidy on Ethanol, Add Subsidy for Proven Fuel Saving Technology
by Joe Gokaho/2009.10.31.D6
Key backer of ethanol fuel wants to increase the amount of ethanol into typical petroleum fuel mix. Many of the large cities use “improving air quality”, as the reason for doing so to comply with the federal, EPA, air quality mandate.
It’s tested by many organizations, like MotorWeek, showing the overall fuel efficiency has drop significantly in many vehicles. Even though “per gallon” pollution has reduced as the result of combining petroleum fuel with ethanol, but it takes more “gallon” to get to where you want to go.
I live in a city, where the area is not subjected to the “tougher clean, ozone days”, but we are approaching to the EPA limits. Many of the gas stations dispense fuel without ethanol. The gas stations at the nearby city dispense fuel with 10% ethanol mix. Here is my personal repeated many times over - “1 data point” experiment done on my vehicle (not optimized to run ethanol, no turbo to take advantage of higher compression etc).
Fuel with 10% ethanol = 20.5 mpg
Fuel without ethanol = 22.0 mpg
10% ethanol may have reduced the polluting compound, but it takes 7% more of the blended fuel than conventional fuel. The net results are:
- More CO2, for the global warming stuff – (according to some scientists)
- It costs me more money to take me to places
- It’s doesn’t really make air cleaner, it actually makes it worse because we need to burn more of it.
- We get burned on both ends, by paying (subsidizing) the ethanol producers, and use it more at the pump.
Let’s save the subsidy toward making ethanol, let farms grow corn where it most suited – for food. (cost vs benefit).
The subsidy can be better used, for encouraging use of “proving” technology that actually burn less fuel. Here are some examples:
- Manual transmission: It’s improves city driving fuel efficiency.
Consumer Reports test result shows, 2008 Honda Accord, 4 cylinder
18 mpg for 5-speed manual
15 mpg for 5-speed automatic
That’s whopping 20% improvement,
20% less of CO2
20% less of money spent on “possible foreign oil”
14% less of “pollutants” than running E90 - Making more gears, and more aerodynamic shape vehicle
Consumer Reports test shows, a 8-speed automatic 2009 Lexus LS460 improves fuel consumption (32 mpg) over the 5-speed 2003 LS430 (29 mpg highway) by 10%
Well, going green, consuming less is great and we should. But we need spend money (subsidy) wisely, congressman.
Thursday, October 29, 2009
Car Problems Repairs, Acura, Honda, Nissan, Lexus, Subaru
2007 Lexus RX350 FWD 18" 235/55R-18
wear/fuel/handling/braking/comfort
Michelin - Pilot® MXM4® 50,000
8/ 9/10/ 9 / 9
Michelin - Energy™ MXV4® S8 50,000
8/10/ 9/ 9/10
Michelin - Pilot® Sport A/S 3 45,000
10/ 9/ 9/ 8/10
Bridgestone - Dueler H/L 422 Ecopia (eco)
# # # # #
third update 2013.04
second update: 2012.05
Acura MDX 2002
Lexus RX350 2007
Honda CRV 2011
======
Model: 2011 Honda CR-V SE FWD
Spec: 4 Cyl 5AT
Miles Driven: 26,000 (on going)
Model: 2002 Acura MDX
Spec: 6 Cyl 5AT
Miles Driven: 180,000 (on going)
(not caused by bad driving)
Problems, unexpected repairs:
@ 24k – A/C Compressor (out)
@ 67K – Engine mounts (2 places) – replaced
@ 90K – Window shield wiper arms
@ 102K - Engine transmission
@ 138K - check-engine - EGR Valve (cleaned)
@ 158K - SRS, front driver seat belt buckle sensor
@ 164K - A/C heater blower blower motor resistor (AC/front blower stopped working)
Model: 2007 Lexas RX350 Fwd
Spec: 6 Cyl 5AT
Miles Driven: 37,000 (on going)
(not caused by bad driving)
Problems, unexpected repairs:
@ 6K Tire – low pressure sensors (complaints)
@ 6K Difficulty opening center console storage bin
@ 28K - leaking rack-n-pinion, power steering
@ 33K - rear brake rotors
Historical Models
Model: 2005 Nissan Altima 2.5S
Spec: 4 Cyl - 4AT
Miles Driven: 152,000/disposed
@ 128K - Starter
@ 128K - Alternator (un-necessary repair)
@ 146K - headlight (wear and tear)
Model: 1992 Subaru Legacy L
Spec: 4 Cyl - 4AT
Miles Driven: 74,000
(not caused by bad driving)
Problems, unexpected repairs:
(compaints)
@ 30K - sticky ac control panel - no repairs made
Model: 1992 Acura Integra 3dr
Spec: 4 Cyl - 5-speed manual
Miles Driven: 67,000
(not caused by bad driving)
Problems, unexpected repairs:
@ 20K - Engine mount replaced
(complaints)
@ 30K - ABS (on - and off) - no repairs made
[2] # - # - #
Model: 1995 Toyota T-100 DX
Spec: 6 cyl 4AT
Miles Driven: 125,000
(not caused by bad driving)
Problems, unexpected repairs:
@ 90K - shocks absorber repalced
@ 114K - driver side hydraulic brake line replaced
[3] # - # - #
Model: 1996 Nissan Maxima SE
Spec: 6 cyl 4AT
Miles Driven: 104,000
(not caused by bad driving)
Problems, unexpected repairs:
@ none (complaints)
@ 40k - alignment needs a lot of correction
[4] # - # - #
Model: 1996 Nissan Maxima GLE
Spec: 6 cyl 4AT
Miles Driven: 96,000
(not caused by bad driving)
Problems, unexpected repairs:
@ 15k Sunroof water seal replced
@ 85K right CV-joint boots replaced
Model: 2003 Honda CRV Real Time 4WD
Spec: 4 Cyl 4AT
Miles Driven: 105,000
(not caused by bad driving)
Problems, unexpected repairs:
@ 66K – A/C Compressor
