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Re: Kaiser vs Blue Shield

I had Kaiser a few years ago and now have BCBS. I miss Kaiser - it's a much better way to deliver health care imo.
by hicabob
Wed Aug 20, 2014 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5091

Re: Mississippi wins!

rec7 wrote:Now the question is which cheap state has the best weather? Maybe WV?


or NC? - but that is getting a tad on the pricey side.
by hicabob
Tue Aug 19, 2014 1:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mississippi wins!
Replies: 14
Views: 1852

Mississippi wins!

by hicabob
Tue Aug 19, 2014 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Mississippi wins!
Replies: 14
Views: 1852

Re: Is a big war coming ???

VictoriaF wrote:Several wars are happening right now.

Victoria

Indeed - it surprises many people how many armed conflicts are currently ongoing. Unfortunately that seems to be the way of the world. Here's a summary
http://en.wikipedia.org/wiki/List_of_on ... _conflicts
by hicabob
Tue Aug 19, 2014 8:09 am
 
Forum: Investing - Theory, News & General
Topic: Is a big war coming ???
Replies: 37
Views: 3837

Re: Berkshire Hathaway A's about to hit $200k/pps

Let’s see if I get this right: to get a “dividend” from BRK you have to sell some. So, you've got to find a buyer who thinks BRK will appreciate—based on what? Based on the prospective buyer’s belief that someone else will take it off his hands at a higher price. The common shareholder has absolute...
by hicabob
Sat Aug 16, 2014 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Berkshire Hathaway A's about to hit $200k/pps
Replies: 42
Views: 2688

Re: The (un)freshness of Starbucks bakery products

I really realize how much preservatives play a part in food preservation when we get bagels locally at work. They are purchased on a Thursday and will grow mold over the weekend if not refrigerated. Apparently corn syrup helps preservation a lot too which is why US sliced bread is so sweet. Visitor...
by hicabob
Fri Aug 15, 2014 7:25 am
 
Forum: Personal Consumer Issues
Topic: The (un)freshness of Starbucks bakery products
Replies: 49
Views: 4469

Re: Retirement luxury vehicle

Ged wrote:Mercedes bought Chrysler who bought American Motors.

That sort of stuff sticks. Get a Lexus.

Daimler paid 36 billion and sold it a few years later for 7 billion. Not a very good investment for the Germans. Now Chrysler is a Fiat subsidiary.
by hicabob
Thu Aug 14, 2014 8:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4484

Re: Berkshire Hathaway A's about to hit $200k/pps

a's vs b's is pretty much 6 of one, half dozen of the other. I think you can always convert A's to B's too without a taxable event occuring. A's are good for "bragging rights" though, much like a Rolex or Maserati :twisted: .
by hicabob
Thu Aug 14, 2014 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Berkshire Hathaway A's about to hit $200k/pps
Replies: 42
Views: 2688

Berkshire Hathaway A's about to hit $200k/pps

Mr Buffet has had a nice comeback recently. At $199,949 each BRKA has by far the highest price per share of any public company.
by hicabob
Thu Aug 14, 2014 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Berkshire Hathaway A's about to hit $200k/pps
Replies: 42
Views: 2688

Re: Retirement luxury vehicle

I was test driving a Mercedes C250's with my daughter last weekend - very nice car, easy to drive, safe, not too big and quick - lease return w/ warranty left are available for low 20's. CLA too new, unproven? We were looking at lease returns. I have not seen any lease return CLA's yet - too new I ...
by hicabob
Wed Aug 13, 2014 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4484

Re: Retirement luxury vehicle

I was test driving a Mercedes C250's with my daughter last weekend - very nice car, easy to drive, safe, not too big and quick - lease return w/ warranty left are available for low 20's.
by hicabob
Wed Aug 13, 2014 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4484

Re: How you, I, and everyone got the top 1% all wrong - Atla

Of course - but the higher echelons do tend to have quite a turnover. Best is to have "enough" and not to be jelly of others wealth.
by hicabob
Tue Aug 12, 2014 9:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: How you, I, and everyone got the top 1% all wrong - Atlantic
Replies: 4
Views: 1668

Re: A financial “guru” for world travelers?

Of course anyone with a "secret system" that actually worked would keep it secret and promptly become the next multi-billionaire instead of hustling "learn to daytrade" lessons.
by hicabob
Tue Aug 12, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: A financial “guru” for world travelers?
Replies: 18
Views: 1993

Re: Robin Williams

Sad - definitely a defining comedian for the generation. Bi-polar can be brutal but is often associated with the talent.
by hicabob
Mon Aug 11, 2014 7:34 pm
 
Forum: Personal Consumer Issues
Topic: Robin Williams
Replies: 42
Views: 4630

Re: Which 4 door with 250+ hp

G37's are very nice - a lease return with some warranty left is not a bad way to go

http://www.unitedimports.co/used-invent ... rice=clear
by hicabob
Sat Aug 09, 2014 11:18 am
 
Forum: Personal Consumer Issues
Topic: Which 4 door with 250+ hp
Replies: 83
Views: 6011

Re: Attitudes toward inheritances.

It's fun to show older relatives firecalc and let them see how much of their nest-egg they can be safely spending and then encourage them to do so.
by hicabob
Tue Aug 05, 2014 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Attitudes toward inheritances.
Replies: 113
Views: 10432

propane prices super-low

Just got the propane tank filled up for $2.03/gallon in CA central coast area. It must be the lowest for 10 years or so.
by hicabob
Sun Aug 03, 2014 6:55 pm
 
Forum: Personal Consumer Issues
Topic: propane prices super-low
Replies: 5
Views: 715

Re: How old are you?

tennisplyr wrote:Good chart for those worried about living too long for their money....guess what it ain't gonna happen. Making it to 90-95?? Enjoy your life now :happy


Unlikely yes - but for us men, if we do - look at all the available age-similar women, Giggity !
by hicabob
Sun Aug 03, 2014 4:39 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 77
Views: 6600

Re: How old are you?

Those 51-55's appear to be slacking off when they are at an age they should be bogleheading to the max.
by hicabob
Thu Jul 31, 2014 10:13 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 77
Views: 6600

Re: How old are you?

funny distribution - I was expecting a bell curve (tilted to the younger end due to mortality and start of earnings). Perhaps we need more data or perhaps different age groups are more prone to do polls?
by hicabob
Wed Jul 30, 2014 6:55 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 77
Views: 6600

Re: Landlording for long-term wealth? Who's doing it?

It does seem that it would be a good diversifier for the nest egg for a person willing to do the research and work. I was/am considering the same - some cities seem a lot more favorable than others from both the cash flow and landlord/tenant rights point of view.
by hicabob
Tue Jul 29, 2014 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlording for long-term wealth? Who's doing it?
Replies: 68
Views: 7415

Re: What is it like to live in Charlottesville, VA?

It's very, very nice. The con for me is that it is too far from a major airline hub. The local airport in Charlottesville is not too bad though. I was there last week - It surprised me when TSA closed down for lunch (keeping people from the gates) until 20 minutes before the next round of flights. ...
by hicabob
Sat Jul 26, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: What is it like to live in Charlottesville, VA?
Replies: 21
Views: 2121

Re: Best Coffee Maker? What do you have?

"Make everything as simple as possible, but not simpler." A.E.

Image
by hicabob
Wed Jul 23, 2014 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 75
Views: 5914

Re: Do you own a DOW30 or NASDAQ100 index fund?

I've owned the QQQ (naz100 etf) for quite a few years since pre-boglhead days. My cap gains in it are too high to want to get rid of it right now and I think it fits into a boglehead portfolio although it is more volatile than vti or similar.
by hicabob
Wed Jul 23, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: Do you own a DOW30 or NASDAQ100 index fund?
Replies: 14
Views: 767

Re: How indexing let these retirees live footloose and fancy

I lived in NY and never paid $30,000 a year for health insurance for a family. You know that businesses and families would be quickly moving from NY if that were the cost of health insurance there. The CFO of a Canadian company I worked for, who have a large manufacturing plant just over the border...
by hicabob
Tue Jul 22, 2014 8:06 pm
 
Forum: Investing - Theory, News & General
Topic: How indexing let these retirees live footloose and fancyfree
Replies: 35
Views: 3915

Re: Establishing a dementia trust

Perhaps it's state dependent, but in NY years ago a psychiatrist would conduct an interview with the person to determine competency.
by hicabob
Tue Jul 22, 2014 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Establishing a dementia trust
Replies: 8
Views: 825

Re: Engineer career change

Sofware can be engineering if it deals with physics. Like writing firmware for a chip requires an understanding of what's going on. You are entitled to opinion but I don't agree and I've worked in various types of engineering for 30+ years. Developing an algorithm that can eliminate many mechanical...
by hicabob
Fri Jul 11, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Engineer career change
Replies: 55
Views: 5641

Re: Toys for a Lazy Cat

remote controlled "mouse" - fun for cat and driver ?
by hicabob
Mon Jul 07, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Toys for a Lazy Cat
Replies: 46
Views: 3012

Re: Car did not start: To dispose? How?

You can debug it a little quite easily ... - if it sits there clicking battery is probably bad or not charging - if the headlights are bright the battery is probably ok - if headlights are bright but starter motor doesn't turn possibly starter motor - if car engine cranks (ruuh-ruuuh-ruuuh-ruuh) whe...
by hicabob
Mon Jul 07, 2014 9:58 am
 
Forum: Personal Consumer Issues
Topic: Car did not start: To dispose? How?
Replies: 70
Views: 5614

Re: Easy careers to last me to retirement?

Long haul truck driver would beat construction grunt in both pay and job.
by hicabob
Sun Jul 06, 2014 8:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 92
Views: 14053

Re: Dining table

If you like solid wood and modern clean style "room and board" has really beautiful stuff - not ikea type prices though - I've had one of their desks for years - 1+ inch solid walnut top, steel frame - I still love it and I expect it will be being used in 100 years. http://www.roomandboard...
by hicabob
Sun Jul 06, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Dining table
Replies: 20
Views: 1521

Re: Relative use my address to start business?

Two other risks to being a registered agent for someone else, using your home address: 1) Both your name and the company name will show up in some public databases and on the internet with your home address. 2) You may receive correspondence that mixes your name and the company's. The one I got was...
by hicabob
Sat Jul 05, 2014 12:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relative use my address to start business?
Replies: 13
Views: 1402

Re: Time to buy a tv or wait 2 years?

OLED (organic led) screens are by far the best displays currently available - blackest black, fastest response, best color gamut but a 55" TV is currently $4999. I expect the prices will come out of the stratosphere quite quickly. I hope you are right, my fear is OLED is not going to catch on ...
by hicabob
Sat Jul 05, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: Time to buy a tv or wait 2 years?
Replies: 66
Views: 5884

Re: I Hit My Number Today!

I think people without traditional pensions tend to be more "the number" oriented than those with because they have to provide their own pension. But wouldn't they prefer a larger self-provided pension than a smaller one? I always like more; I guess I am greedy that way. Yeah, but people ...
by hicabob
Thu Jul 03, 2014 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3309

Re: I Hit My Number Today!

Have you moved it yet? I think there was a previous thread about what to do when you hit your number, and my recollection is that moving it was high on the list. I have never had a number, so I can't speak about one, but I know I am never going to stop trying to increase whatever one uses to hit it...
by hicabob
Thu Jul 03, 2014 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3309

Re: I Hit My Number Today!

Congrats! Selling a small business quite an interesting project if you decide to do so. From valuation to marketing to the final contracts - all good stuff once done.
by hicabob
Thu Jul 03, 2014 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3309

Re: Time to buy a tv or wait 2 years?

OLED (organic led) screens are by far the best displays currently available - blackest black, fastest response, best color gamut but a 55" TV is currently $4999. I expect the prices will come out of the stratosphere quite quickly.
by hicabob
Thu Jul 03, 2014 5:35 pm
 
Forum: Personal Consumer Issues
Topic: Time to buy a tv or wait 2 years?
Replies: 66
Views: 5884

Re: Best website for airfare?

On Kayak.com press the "MORE" tab then "EXPLORE".
by hicabob
Thu Jul 03, 2014 11:06 am
 
Forum: Personal Consumer Issues
Topic: Best website for airfare?
Replies: 20
Views: 2941

Re: In retirement you expect you standard of living to?

recently retired - I'm practicing being less frugal
by hicabob
Thu Jul 03, 2014 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: In retirement you expect your standard of living to?
Replies: 55
Views: 4573

Re: Hitting "The Number" too early

It is surprisingly easy to lose "the number". Personally I hit it twice and lost it prior to the last iteration. So far so good but that is why I'm now a boglehead.
by hicabob
Tue Jul 01, 2014 10:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hitting "The Number" too early
Replies: 49
Views: 5434

Re: O Canada! Questions about traveling to Canada :-)

Be sure to look up a good place for poutine, Canada's most significant contribution to the culinary arts. Not for the faint-hearted but when done well - it is memorable.
by hicabob
Tue Jul 01, 2014 8:57 pm
 
Forum: Personal Consumer Issues
Topic: O Canada! Questions about traveling to Canada :-)
Replies: 34
Views: 3668

Re: How much to retire

This is a decently written article discussing the "4% rule" and "how much do I need?"
http://www.mrmoneymustache.com/2012/05/ ... etirement/
by hicabob
Sun Jun 29, 2014 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much to retire
Replies: 21
Views: 2963

Re: Please help us decide where to live

SDF, back in your original post, you gave a substantial list of places you've previously lived. Charlottesville, Virginia, was on that list--but it's not among the places you're actively considering now for your next move. Charlottesville is on our own list of places for consideration: major univer...
by hicabob
Fri Jun 27, 2014 10:34 pm
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 8072

Re: Best credit card for small business

I found it's much better to use a personal card dedicated to business use (to keep expenses easy to figure) . The "business" cards have less consumer protection apparently. I think if you are paying for lunch the other party doesn't care if it's amex or visa - besides many places don't tak...
by hicabob
Thu Jun 26, 2014 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best credit card for small business
Replies: 1
Views: 143

Re: How do you afford to travel?

This isn't money related at all - you have an aversion to flying. Some people do not like to leave their nest, others cherish it. Try it - if you truly don't like to travel, spend more $ locally or on your home. Flying is statistically the safest way to travel. Bogleheads like stats, right? Index v...
by hicabob
Thu Jun 26, 2014 11:56 am
 
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 68
Views: 6401

Re: How do you afford to travel?

For interesting destinations at a good price go to Kayak.com - then the MORE tab - then EXPLORE
- there are some good deals out there if you have some flexibility
by hicabob
Thu Jun 26, 2014 11:04 am
 
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 68
Views: 6401

Re: Retirement age for software engineers

I work with quite a few software engineers. I don't have a background in software, but I taught myself programming and lately I've been mostly doing that at my job. Our company is filled with lifers. Sadly, most of them are absolutely worthless. Has nothing to do with age. They have just not kept t...
by hicabob
Tue Jun 24, 2014 7:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9797

Re: Retirement age for software engineers

I was laid off with a nice package 8 years ago at 49 when the place I worked for moved engineering offshore. It was a nice home-office job paying 200k/yr with the closest "boss" 2500 miles away. Not wanting to be an old cubicle code-monkey in Silicon Valley I started my own business to com...
by hicabob
Tue Jun 24, 2014 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9797

Re: Gambling cheats

InvestorNewb: I had a close acquaintance (now deceased) who told me that once or twice a year he would go into casinos with large amounts of money given to him by gamblers to bet on Roulette. According to my acquaintance (I'd never call him a friend), the gamblers would send "counters" to...
by hicabob
Mon Jun 23, 2014 8:49 pm
 
Forum: Personal Consumer Issues
Topic: Help devising winning roulette system
Replies: 72
Views: 3242
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