Suppose that you have an emergency expense that costs $400. Based on your current financial situation, how would you pay for this expense?
If you would use more than one method to cover this expense, please select all that apply.
a. Put it on my credit card and pay it off in full at the next statement
b. Put it on my credit card and pay it off over time
c. With the money currently in my checking/savings account or with cash
d. Using money from a bank loan or line of credit
e. By borrowing from a friend or family member
f. Using a payday loan, deposit advance, or overdraft
g. By selling something
h. I wouldn’t be able to pay for the expense right now
That is impossible to say in a general way but generally speaking: significantly less.
On our PHEV minivan, the electric range is ~30mi, and costs ~$1.50 in electricity (12 kWh usable, ~13c/kWh). On gas, it's ~$3. (30 mi/g, $3/g). Some places you'll save substantially more (cheaper electricity, more expensive gas) or less (vice versa).
Sounds like you'd have to do 7 full PHEV battery cycles to save the upthread $10. (I'm pretty sure your math is correct and upthread claim is...optimistic.)
And yeah the calculation varies, here in Québec it's about $1.20 CAD to charge it at home(10¢/kWh), and about twice that to charge it at a public L2 charger (1$/hour). I save about 4 liters of fuel with that. Fuel right now is ~1.60 so I end up saving around $5 everytime I charge.
Adds up pretty quick, and the vehicle is actually cheaper to purchase initially because of the government subsidies. Makes me wonder every time I see a gas Pacifica...
I agree with others that this is pretty personal to your own values.
For me: it was definitely worth it, and if you buy a decent quality frame/desktop it'll be durable and a pretty minimal premium over time. I usually switch sitting standing 1-10 times/day depending on how restless I'm feeling.
That said:
- it's hard to know how much you'll like standing (or switching) until you try it
- it is pretty hard to vet quality unless you find a Costco/Ikea type vendor that has one in person. I personally have bought two Uplift models (me, spouse) and have been happy with how they've held up (7+ and 3+ years, respectively).
For me the adjustability has been worth even though I don’t stand all that often, because it allows me to dial in the height of the desk in addition to chair height to make the setup perfectly suited to me. Addition of high quality desk clamp VESA monitor arms (used HumanScale arms from office liquidators on eBay) takes this adjustability even further, making my desk very comfortable to work at for long periods.
And yes, the frames on the nicer standing desks are very robust. The frame on my Fully desk is several mm thick enameled steel that will be good for the foreseeable future… even when/if the top gives out, I can just get some butcher block countertop or something similar cut at Home Depot and bolt it on and it’ll be as good as new.
I think you are perhaps reading too much into the phrasing. If they had said "... providing guidance on when individuals should be hospitalized...", I would not take that as assuming hospitalization either.
Willing to bet a subscription is a service/person pair, not a person. E.g., a person with iCloud and Apple TV+ is 2 subscriptions, and wouldn't be surprised if the Apple One (or whatever the bulk-subscribe thing is called) counts for all the individual services even if you only use say 3 of the 5 (or whatever the right counts are).
I agree that seems expensive, but I wouldn't be totally shocked if a high-SEER, "name brand" unit with a pricey contractor could get that high. I had >100% cost variation for similar equipment between HVAC contractor quotes the last time I replaced a unit.
Yep, the price delta is definitely because of the high seer rating. That being said, we were quoted about the same price for a 16 seer unit from another contractor (McCarthy). It's definitely worth shopping around.
I can only speculate, but in my last replacement scenario, higher-SEER units (17+) had dramatically higher quotes, to the point where it was difficult to justify financially. On top of that, there were dramatic (~100%) variations in prices on similar equipment (but different brands) between installers. I can only imagine that regional differences are yet another source of variation...
All that is to say, my first guess is that the GP was quoted a high-SEER unit for name-ish brand equipment.
Vogtie really is going to scare a lot of people off from nuclear for a very long time. I think ultimately, the federal government will need to assume responsibility for the construction and operation of nuclear plants. And when future generations look into why that is, Vogtie will be right up at the top of the list of reasons.
I went to a private Montessori school grades 3K-5, and my children have been or are in Montessori school grades 3K-6. As you might have guessed, I am a fan.
As most Montessori schools are private, my impression is that the variance in the quality of Montessori implementation varies considerably, but at a high level I have positive views of many of the same method characteristics as other comments:
I would guess that most Montessori schools are smaller than schools kids transition into, which might make transitioning to other schools hard socially (it was for me, but not for my kids), but that also is highly dependent on the individual I think. Other than that, I think the method tends to yield:
- independence in both learning/working and life in general
- love of learning
- kindness towards others
Things I would ask about before choosing a school:
- are you accredited by AMS, AMI and/or SAIS?
- are your teachers trained primarily through AMS or AMI?
- how long have your teachers been with the school, on average?
- where do students go after this school, and what are their outcomes (what colleges, high school honor graduates, etc.)?
- does the school do standardized testing that is accepted by the local school district or otherwise make it easy to transition to other schools after they age out?
FWIW I just realized that my AMS/SAIS references are US-specific, so substitute relevant accrediting bodies for Montessori/private schools... AMI is international, though.
In the US, AMS vs AMI is a salient difference that is worth understanding... it's a bit of a which-linux-distro-is-best type holy war.
> As most Montessori schools are private, my impression is that the variance in the quality of Montessori implementation varies considerably
Having gone to a different kind of "alternative" school (Waldorf / Steiner), I agree 100%.
Variance in quality among teachers was pretty high, higher than my children's public schools.
Sadly my school was also used a bit as dumping ground for children who failed in the public school system, so at least in the later classes most of the newer students were below-average in performance, making progress slower and classes more boring.
Switching from an "alternative" to a public school (after 9 years for me) was a pretty big culture shock.
I have two children in Montessori and agree wholeheartedly with the above.
I would like to emphasize the check for AMS or AMI. Any school can all themselves a Montessori school, so I'd make sure it's at least certified in one of those two (not familiar with SAIS so cannot comment on that).
Thanks those are very helpful considerations and experience.
Thinking about which program to put my children in has opened a whole host of other questions such as one of your last one about what are their outcomes - which is how do I want to define the outcomes/expectations from the program aka my children going through the education system.
