Search found 1991 matches

by hicabob
Mon Jun 29, 2015 11:41 am
Forum: Personal Consumer Issues
Topic: Need to dispose tube TV in Pennsylvania. Township won't pick up.
Replies: 37
Views: 2819

Re: Need to dispose tube TV in Pennsylvania. Township won't pick up.

Probably not a good way to do this but... I had a 32 inch Sony very large and heavy TV. Could not find anyone that wanted it or anyone that would pick it up. It was located in the Basement Rec Room. What I did was move the thing to the utility area of the basement - the thing weighed about 200 poun...
by hicabob
Sun Jun 28, 2015 6:20 pm
Forum: Personal Consumer Issues
Topic: Under the sink reverse osmosis water filter recommendations?
Replies: 17
Views: 1149

Re: Under the sink reverse osmosis water filter recommendations?

I have been using these people for decades. Knowledgeable, good price, industry standard filter sizes and they seem to be sticking around. http://theh2oguru.com/ I use RO for drinking and the refrigerator. My water is well water w/ iron, manganese and other stuff. The RO produced water tastes great....
by hicabob
Thu Jun 25, 2015 7:18 pm
Forum: Personal Consumer Issues
Topic: Questions about brick paver driveway
Replies: 12
Views: 1749

Re: Questions about brick paver driveway

I wouldn't do brick pavers on a driveway. My in-laws have that and they have to do the power washing, sand, seal every few years. It looks like it would be expensive to me. Unless you're living in a $1M+ house where something like that might be in line with the rest of the upgrades in the house, I ...
by hicabob
Thu Jun 25, 2015 11:09 am
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 14
Views: 1348

Re: Electric Bicycles

I have never tried or seen one of these but I do like both bicycles and electric motors and this "copenhagen wheel" impressed me as a clever and elegant design to retrofit a non-electric bicycle. The production has been in "real-soon-now" mode for a long time though. https://supe...
by hicabob
Wed Jun 24, 2015 10:44 am
Forum: Personal Finance (Not Investing)
Topic: [CNBC article: Social Security Denying Delayed Benefits]
Replies: 23
Views: 3166

Re: Is this really a Problem with Social Security.....Need a Forum S.S. Expert...

Believe I heard of it happening to someone and it is almost impossible to undo after the fact. Based on this, if I had not yet claimed, I would be sure to expressly restrict retroactivity. Thanks. From reading the article it seems you have 12 months to "undo" the retroactive lump sum. Not...
by hicabob
Tue Jun 23, 2015 7:35 am
Forum: Personal Consumer Issues
Topic: "Phantom" Tipping
Replies: 68
Views: 10640

Re: "Phantom" Tipping

The above stories are yet another good reason that the US should move to a modern pin based credit card system like everywhere else does. The waiter brings the terminal over to your table, you type in the tip amount and that's it. Much less chance of server fraud.
by hicabob
Sun Jun 21, 2015 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Retirement account for 21 y/o small business owner
Replies: 4
Views: 473

Re: Retirement account for 21 y/o small business owner

An SEP ira is a good, low cost and simple way to save for later as a sole proprietor. Let's you put quite a bit away too.
Use Vanguard low cost funds or etf's of course.
https://investor.vanguard.com/what-we-o ... ?WT.srch=1
by hicabob
Sat Jun 20, 2015 11:28 am
Forum: Personal Finance (Not Investing)
Topic: is it better to work for small company rather than big firm?
Replies: 36
Views: 4639

Re: is it better to work for small company rather than big firm?

For some that's an advantage, for others it's a hindrance. Also it's difficult to change departments without changing companies when you're small, the financial rewards and benefits are much smaller, and you learn less overall. Ok, off my soapbox now. Not in my experience. I switched from a tech me...
by hicabob
Thu Jun 18, 2015 11:33 am
Forum: Personal Finance (Not Investing)
Topic: is it better to work for small company rather than big firm?
Replies: 36
Views: 4639

Re: is it better to work for small company rather than big firm?

For some that's an advantage, for others it's a hindrance. Also it's difficult to change departments without changing companies when you're small, the financial rewards and benefits are much smaller, and you learn less overall. Ok, off my soapbox now. Not in my experience. I switched from a tech me...
by hicabob
Tue Jun 16, 2015 5:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard announces plans for money market fund lineup
Replies: 15
Views: 3020

Re: Vanguard announces plans for money market fund lineup

I wonder if the interest rates will be competitive with Ally and the like or more like the .01% TD Ameritrade money market funds?
by hicabob
Mon Jun 15, 2015 11:52 am
Forum: Personal Consumer Issues
Topic: The cost of walking el Camino de Santiago
Replies: 72
Views: 7945

Re: The cost of walking el Camino de Santiago

Being someone who enjoys a walkabout I was wondering if this following critique is justified?
http://francistapon.com/Travels/Spain-T ... iago-Sucks
by hicabob
Sun Jun 14, 2015 10:24 am
Forum: Personal Finance (Not Investing)
Topic: is it better to work for small company rather than big firm?
Replies: 36
Views: 4639

Re: is it better to work for small company rather than big firm?

Horses for courses I suppose. I think it's good to try both to see what you prefer if you have the opportunity. Personally I like the aggressiveness, and multi-role opportunities that a well run small outfit provides.
by hicabob
Sat Jun 13, 2015 2:37 pm
Forum: Personal Consumer Issues
Topic: How/where to get rid of old gasoline
Replies: 35
Views: 3670

Re: How/where to get rid of old gasoline

When I needed to dispose of an old 50 gallon barrel of kerosene contaminated with water, a friend of mine who is a chemist and works for the state with nasty disposal sites suggested evaporation for unwanted volatile hydrocarbons. I evaporated it over the course of a week or 2. Is this "chemis...
by hicabob
Sat Jun 13, 2015 12:40 pm
Forum: Personal Consumer Issues
Topic: How/where to get rid of old gasoline
Replies: 35
Views: 3670

Re: How/where to get rid of old gasoline

When I needed to dispose of an old 50 gallon barrel of kerosene contaminated with water, a friend of mine who is a chemist and works for the state with nasty disposal sites suggested evaporation for unwanted volatile hydrocarbons. I evaporated it over the course of a week or 2.
by hicabob
Sat Jun 13, 2015 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Buying in Bay Area (redux)
Replies: 57
Views: 6762

Re: Buying in Bay Area (redux)

Taxes do play a role in housing availability in the Bay Area. In our subdivision, five of the six homes at the east end of our street (including ours) are owned by retirees who purchased 35+ years ago. Prop 13 aside, the gain on sale (even after the exclusion) would result in a major tax hit, both ...
by hicabob
Fri Jun 12, 2015 5:17 pm
Forum: Personal Consumer Issues
Topic: Advice on purchasing a used 2015 car
Replies: 3
Views: 571

Re: Advice on purchasing a used 2015 car

If you have oil changes documented (or oil+filter purchases) they will cover the engine. The rest of the car should be covered bumper to bumper even if the oil was never changed since there are no service items withing the first 36k other than oil/filter change and the oil only affects the mechanica...
by hicabob
Thu Jun 11, 2015 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Another Credit Freeze article
Replies: 3
Views: 586

Re: Another Credit Freeze article

Perhaps if enough people do this credit security will start to improve in the US.
by hicabob
Wed Jun 10, 2015 12:40 pm
Forum: Personal Consumer Issues
Topic: Rent a bike in SF, ride to LA, and drop it off?
Replies: 23
Views: 1610

Re: Rent a bike in SF, ride to LA, and drop it off?

Why start in SF and drop off in LA? Why not go the other way? You could price it differently to get the supply/demand in balance like one way rental cars. For example, $200 rental charge either way, but $200 drop off in LA (to return bike to SF), or no drop-off fee if going to SF. Heck, even give a...
by hicabob
Tue Jun 09, 2015 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Using fraud clause on credit card
Replies: 14
Views: 1558

Re: Using fraud clause on credit card

50% of the sellers appraisal seems pretty good considering he is a Turkish rug salesman who seem to have quite the reputation. I've been told "appraisals" by jewelers in the US are generally about 3 times actual resale value.
by hicabob
Mon Jun 08, 2015 4:00 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?
Replies: 46
Views: 3396

Re: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?

PAMF will be sending you a letter soon asking for donations since they claim to be a non-profit :shock: . The docs and staff seem fine but the corp seems to be more like an aggressive monopoly than a non-profit from a patient viewpoint. Dog owners in N CA often become tick removal experts - the key ...
by hicabob
Sun Jun 07, 2015 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal Millionaires Article...Sounds Like Bogleheads
Replies: 80
Views: 11974

Re: Frugal Millionaires

For some a dollar is a point in a game. If they lose a point they are losing the game. Many are just living the way they lived all their lives as the money came slowly and they didn't notice they are now rich. You make a good point, and I can relate to that. I started early saving most of my meager...
by hicabob
Fri Jun 05, 2015 4:56 pm
Forum: Personal Consumer Issues
Topic: Missing Connecting Flights / Int'l Travel
Replies: 5
Views: 1070

Re: Missing Connecting Flights / Int'l Travel

A few weeks ago I wanted to skip the first leg of a 2 leg flight from Munich to SFO and just go from Dusseldorf to SFO. I was told by the airline that if I skipped Munich->Dusseldorf the itinerary would be cancelled. I believe this is standard policy.
by hicabob
Wed Jun 03, 2015 12:20 pm
Forum: Personal Consumer Issues
Topic: Dishwasher lime/calcium build-up
Replies: 20
Views: 1597

Re: Dishwasher lime/calcium build-up

I have well water that's about as hard as it gets before becoming a solid. We are talking 12 grains+ here. After trashing a dishwasher and being anti-water softener for house plumbing reasons I have found the solution in the form of citric acid. http://www.amazon.com/Spicy-World-Citric-Acid-5-Pound/...
by hicabob
Tue Jun 02, 2015 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer of wealth to kids
Replies: 87
Views: 10307

Re: Transfer of wealth to kids

You can gift 14k per year per person without any tax consequences at all.
by hicabob
Mon Jun 01, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: Canadian money
Replies: 34
Views: 2679

Re: Canadian money

More importantly than the money - make sure your credit card has a chip. Other than hotels, they don't like the antique mag-stripe cards up there.
by hicabob
Mon Jun 01, 2015 9:20 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 104
Views: 9672

Re: Free Windows 10 Upgrade, Yes or No?

Unless you enjoy new operating systems or until there is a program you want that requires a new operating system it's generally best to stay with what works for you. "If it ain't broke don't fix it".
by hicabob
Wed May 27, 2015 11:11 am
Forum: Personal Consumer Issues
Topic: 60W eq. LED bulb deal alert...
Replies: 35
Views: 3313

Re: Found a great LED deal...$2.49 each.

I've had good luck with this place - good prices and decent stuff
https://www.myled.com/

You do need to know what you are ordering since I expect returns to China would be problematic.
by hicabob
Tue May 26, 2015 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Patient-Ordered Medical (Genetic) Tests
Replies: 20
Views: 1535

Re: Patient-Ordered Medical (Genetic) Tests

I'd mention it when he is an adolescent then decide if testing is appropriate. I expect genetic testing will be both better and less expensive by then. Why get a little kid prematurely worried about something he wouldn't understand anyway?
by hicabob
Tue May 26, 2015 10:28 am
Forum: Personal Consumer Issues
Topic: Front load Washing machine does not lock
Replies: 2
Views: 268

Re: Front load Washing machine does not lock

Probably the latch (which will be obvious if you look at it) - internet has great appliance repair sites for those of us that participate in that sort of activity.
http://www.repairclinic.com/RepairHelp/ ... k-WF330ANB
by hicabob
Tue May 26, 2015 10:23 am
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 121
Views: 7256

Re: Once in a life time trip.

Fly-in fishing in Alaska? I'm sure I would have thoroughly enjoyed that at 8 or 80.
by hicabob
Mon May 25, 2015 4:52 pm
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 90
Views: 11959

Re: Any solo retired RVer's out there?

I hope toons has suitable mudflaps for his rig
Image
by hicabob
Mon May 25, 2015 3:46 pm
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 90
Views: 11959

Re: Any solo retired RVer's out there?

Having spent quite a bit of time riding in my friend's commercial Mercedes Sprinter I second that as a recommendation for a motor-home chassis. They drive easily, get good mileage (with the diesel turbo) and are surprisingly maneuverable for their size. Driving around town is not a problem. I think ...
by hicabob
Wed May 20, 2015 11:55 am
Forum: Personal Consumer Issues
Topic: Any advice on handling frequent weekend getaways?
Replies: 14
Views: 2011

Re: Any advice on handling frequent weekend getaways?

I have found Priceline is much more cost effective than hotels.com or loyalty programs. It does require you to wait until the day or two before your stay which is unnerving at first.
by hicabob
Wed May 20, 2015 7:21 am
Forum: Personal Consumer Issues
Topic: How should drivers react to bicycle riders on one lane roads?
Replies: 68
Views: 3106

Re: How should drivers react to bicycle riders on one lane roads?

The new law in California as of this year is to always give bicyclists 3 feet of room which seems reasonable enough.
by hicabob
Tue May 19, 2015 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Tax (WA State)
Replies: 9
Views: 769

Re: Estate Tax (WA State)

Perhaps do early retirement in WA then move to NV for later retirement? They certainly do have a relatively punitive estate tax.
by hicabob
Tue May 19, 2015 6:07 pm
Forum: Personal Consumer Issues
Topic: Chip and sign card working great in Nice, France
Replies: 5
Views: 690

Re: Chip and sign card working great in Nice, France

My Cap one Quicksilver "chip and signature" also worked without problems in Germany last week. It's interesting how infrequently native Germans use credit cards compared to folk in the US and that many restaurants in Germany do not take CC's .
by hicabob
Sun May 17, 2015 11:30 am
Forum: Personal Consumer Issues
Topic: Home Office Flooring - Boglehead Choice?
Replies: 17
Views: 1242

Re: Home Office Flooring - Boglehead Choice?

stan1 wrote:
hicabob wrote:Pergo type laminate snap-together flooring is great for home offices. Not expensive, easy to install, durable, smooth and looks good.


Does it scratch when using rolling chairs?


Nope - the stuff is really tough.
by hicabob
Sun May 17, 2015 11:24 am
Forum: Personal Consumer Issues
Topic: Home Office Flooring - Boglehead Choice?
Replies: 17
Views: 1242

Re: Home Office Flooring - Boglehead Choice?

Pergo type laminate snap-together flooring is great for home offices. Not expensive, easy to install, durable, smooth and looks good.
by hicabob
Wed May 13, 2015 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Any experience with plasma donation to boost income?
Replies: 67
Views: 5120

Re: Any experience with plasma donation to boost income?

I did it a few times in uni when I was particularly hard-up. It made me really hungry afterwards so I would then eat a good portion of the compensation. One time my vein started ballooning up when they re-introduced the refrigerated blood cells - I yanked it out, told them to keep the blood/saline a...
by hicabob
Thu May 07, 2015 1:04 pm
Forum: Personal Consumer Issues
Topic: What to do with 1940's refrigerator that still works?
Replies: 36
Views: 2954

Re: What to do with 1940's refrigerator that still works?

A few thoughts 1. Freon is not poisonous (it's actually very inert) but it is bad for the atmosphere (reduces ozone in upper atmosphere). That's why we have regulations and why we attempt to reclaim as much as possible. Even so much is lost. As a result different freon compositions are now used. &q...
by hicabob
Thu May 07, 2015 7:50 am
Forum: Personal Consumer Issues
Topic: What to do with 1940's refrigerator that still works?
Replies: 36
Views: 2954

Re: What to do with 1940's refrigerator that still works?

3. Even older refrigerators have a separate compressor in the basement. So this is not astonishingly old. My Dad bought an old house with one of these decades ago. We were seeing if we could make it work again when the sulfuric acid type refrigerant started escaping. Not as bad as it sounds but not...
by hicabob
Sun May 03, 2015 11:36 am
Forum: Investing - Theory, News & General
Topic: Financial reasons to get a summer job?
Replies: 36
Views: 1999

Re: Financial reasons to get a summer job?

Just about everywhere in the US there is a small biz that want a new website or an old one redone. While not very esoteric in terms of computer science it's nonetheless a useful skill, looks good on the old resume and it's easy to find someone willing to pay a few bucks for the work.
by hicabob
Fri May 01, 2015 11:36 am
Forum: Personal Consumer Issues
Topic: Powerwall: The Arrival of Home Battery Backup System
Replies: 53
Views: 5382

Re: Powerwall: The Arrival of Home Battery Backup System

A good dog and pony show by Elon explaining the Powerwall
https://www.youtube.com/watch?v=yKORsrlN-2k
by hicabob
Thu Apr 30, 2015 1:09 pm
Forum: Personal Consumer Issues
Topic: Am I being scammed?
Replies: 13
Views: 2586

Re: Am I being scammed?

A copy of a title is not a valid title - you could always write COPY on it with a Sharpie too.
by hicabob
Wed Apr 29, 2015 11:29 am
Forum: Personal Consumer Issues
Topic: What is the best roofing material?
Replies: 17
Views: 1911

Re: What is the best roofing material?

There is thin shake and thick shake in these parts. Thick lasts a lot longer. I just replaced the 40yo thick shake roof on my house with composite a year ago. Although perhaps less aesthetically pleasing, it makes a better roof (more waterproof and rodent proof unlike shake) and is infinitely more f...
by hicabob
Sat Apr 25, 2015 11:07 am
Forum: Personal Consumer Issues
Topic: taking break from computer use - to avoid back pain
Replies: 17
Views: 782

Re: taking break from computer use - to avoid back pain

cheese_breath wrote:Is there an easy way to raise your workstation so you can occasionally work standing up?


A few cinder blocks and a board or ....
http://www.amazon.com/Original-Stand-St ... nding+desk
by hicabob
Sat Apr 25, 2015 8:42 am
Forum: Investing - Theory, News & General
Topic: What is too long to stay the course?
Replies: 50
Views: 3957

Re: What is too long to stay the course?

Since it's inception in 1999 QQQ has handily beaten SPY (the s+p 500 etf). http://finance.yahoo.com/echarts?s=QQQ+ ... 1%7D%7D%7D
by hicabob
Thu Apr 23, 2015 1:06 pm
Forum: Personal Consumer Issues
Topic: Blacktop Driveway Sealing
Replies: 20
Views: 1845

Re: Blacktop Driveway Sealing

How often are roads sealed? Never Agreed - I share a very long driveway with a neighbor. I am at the end so use "his" part of the driveway to get to the road. We split repair on the shared portion but he likes it sealed. I consider it to be painting it black so decline to contribute (whic...
by hicabob
Thu Apr 23, 2015 12:46 pm
Forum: Personal Consumer Issues
Topic: How much should a small tile floor (3' X 5') cost? $2000?
Replies: 47
Views: 3693

Re: How much should a small tile floor (3' X 5') cost? $2000

There are a lot of posts earlier in the thread suggesting that you do it yourself. For a pittance in material cost, you can get the satisfaction of completing a home project with your own sweat equity. They make it sound pretty easy (and fun!). I haven't done any tilework, although I've seen plenty...
by hicabob
Wed Apr 22, 2015 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Wire money to Crimea?
Replies: 6
Views: 815

Re: Wire money to Crimea?

bitcoins would work if the developer was amenable.

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