Search found 2008 matches

by hicabob
Tue Jul 28, 2015 4:54 pm
Forum: Personal Consumer Issues
Topic: Well water did not pass total coliform bacteria
Replies: 12
Views: 1182

Re: Well water did not pass total coliform bacteria

Hi: I just had a new well put in, it failed the total coliform bacteria (reading 89) the first time, so the well company sent someone to disinfect again with bleach, but it failed again (reading now 18). What else should I do? Thank you. I followed all instructions (leaving bleach in water overnigh...
by hicabob
Tue Jul 28, 2015 12:40 pm
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 5931

Re: wife got in wreck with Honda CRV - no collison coverage

Perhaps a new Subaru with the "eyesight" gizmo would be an appropriate vehicle. They apparently make it quite difficult to run into the car in front of you. Refresher driving lessons might be helpful but of course some people are just atrocious drivers and shouldn't be doing it for the sak...
by hicabob
Mon Jul 27, 2015 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce
Replies: 66
Views: 5946

Re: Divorce

It certainly helps if you have a reasonable spouse. +2 on the mediator, I used this firm in California and never even had to go to court. The wife and I had to come to agreement on everything on our own however. http://divorcehelp.com/ I used this firm too. A good experience considering the alterna...
by hicabob
Sun Jul 26, 2015 11:32 am
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 163
Views: 9312

Re: Would you look down on a co-worker for driving a beater?

Quite the contrary, engineer types who drive and maintain old cars are often more competent than those who require a new car at all times.
by hicabob
Tue Jul 21, 2015 10:41 am
Forum: Personal Consumer Issues
Topic: Wedding north of San Francisco
Replies: 13
Views: 1011

Re: Wedding north of San Francisco

You could take the Sausalitio-SF ferry.
by hicabob
Thu Jul 09, 2015 12:56 pm
Forum: Personal Consumer Issues
Topic: Shower door or curtain for bathroom remodel
Replies: 61
Views: 3822

Re: Shower door or curtain for bathroom remodel

yup - start off with a curtain while baby is little then switch to a door if you want one later. It's much easier to switch from a curtain to a door than vice versa due to mounting holes.
by hicabob
Thu Jul 09, 2015 10:23 am
Forum: Personal Consumer Issues
Topic: Worst financial book you have read (or will admit you have read)
Replies: 90
Views: 8514

Re: Worst financial book you have read (or will admit you have read)

What is the worst financial book that you read? This thing was a fiasco. Phil Town - Payback Time http://ww1.prweb.com/prfiles/2010/03/01/2979934/gI_0_1_philtown.jpg Oh my :shock: I think you read the wrong book from Phil Town, Rule #1 may have been a better choice :twisted: http://www.ruleoneinves...
by hicabob
Tue Jul 07, 2015 7:21 pm
Forum: Personal Consumer Issues
Topic: Worst financial book you have read (or will admit you have read)
Replies: 90
Views: 8514

Re: Worst financial book you have read (or will admit you have read)

- "Your Money or Your Life" by Robin. Some good points, but very wordy. Did not finish. - "The Only Investment Guide You'll Ever Need" by Tobias. As above. Tobias' book was the first "investment book" I ever read and it was perfect for me at the time. It seemed very se...
by hicabob
Tue Jul 07, 2015 6:59 pm
Forum: Personal Consumer Issues
Topic: Elio Car
Replies: 53
Views: 6014

Re: Elio Car

I hope Paul Elio's venture is successful, although the price target seems a tad low to me. He recently did a Reddit ama.
https://www.reddit.com/r/AMA/comments/3 ... io_motors/
by hicabob
Sat Jul 04, 2015 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Solar panel investment - financially worth it?
Replies: 39
Views: 4803

Re: Solar panel investment - financially worth it?

I don't think that's accurate. I'm not saying that nothing will need repair over that time period (inverter will likely need to be rebuilt/replaced), but PV panels themselves are fairly robust. Most panels degrade at less than 1%/year (power output). http://www.nrel.gov/docs/fy12osti/51664.pdf Havi...
by hicabob
Sat Jul 04, 2015 9:36 am
Forum: Personal Consumer Issues
Topic: London Edinburgh by car
Replies: 26
Views: 1654

Re: London Edinburgh by car

Shifting with the left hand takes a little getting used to and the typical default rental will be manual gearbox - else spend more to rent an automatic. A friend of mine got banned from driving in England forever after causing a roundabout accident on his way to the airport - but the constable did t...
by hicabob
Fri Jul 03, 2015 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Solar panel investment - financially worth it?
Replies: 39
Views: 4803

Re: Solar panel investment - financially worth it?

I may be the minority here, but I think anything above 5% ROI is great, assuming you're sticking around to capitalize on it. In general I see a reductions in savings as equivalent to increases in earnings. A solar electric system seems more like buying an annuity since the equipment is much less va...
by hicabob
Fri Jul 03, 2015 10:55 am
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 95
Views: 9167

Re: What age did you become debt free and what opportunities did it create?

Paid off my house in my late 30's using a stock option that came to fruition. I started to increase my non tax-sheltered long term stock market investments after that point.
by hicabob
Fri Jul 03, 2015 9:00 am
Forum: Personal Consumer Issues
Topic: Best Cell Plan?
Replies: 45
Views: 5599

Re: Best Cell Plan?

Project fi seems really interesting.
https://fi.google.com/about/faq/

I'm waiting for my invitation.
Downside is that you need a nexus 6 phone, which is a nice phone but pricey
by hicabob
Thu Jul 02, 2015 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Solar panel investment - financially worth it?
Replies: 39
Views: 4803

Re: Solar panel investment - financially worth it?

In previous years the cost of solar has been be dropping faster than the money saved by the electricity they generate but the rate seems to be slowing
Image
by hicabob
Wed Jul 01, 2015 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Snow Bird Question [State Residency Requirements]
Replies: 54
Views: 5648

Re: Snow Bird Question [State Residency Requirements]

I found this article useful when I was considering an NV llc. It discusses residency requirements. My accountant whispers and trembles when he mentions the "California Tax Claw" http://www.methvenlaw.com/Practice-Areas/Corporate-LLCs-LLPs-Shareholders/Setting-Up-Out-of-State-Entity.html &q...
by hicabob
Tue Jun 30, 2015 12:53 pm
Forum: Investing - Theory, News & General
Topic: Lending Club (peer-to-peer) investments now open to Arizona and Texas residents
Replies: 18
Views: 1616

Re: Lending Club (peer-to-peer) investments now open to Arizona and Texas residents

My kid has been making mini-loans via lending club. He claims that since they went public the borrowers are worse (much more likely to default) so the returns have taken a nasty hit.
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: 3223

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: 20
Views: 1995

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: 1849

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: 1438

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: 30
Views: 4429

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: 11170

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: 507

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: 4964

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: 4964

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: 3114

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: 85
Views: 9436

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: 4964

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: 3885

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: 3885

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: 7019

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: 601

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: 613

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: 1792

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: 1645

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: 53
Views: 4403

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: 12845

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: 1131

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: 1685

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: 92
Views: 11849

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: 3102

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: 143
Views: 13292

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: 3425

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: 1581

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: 289

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: 7524

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: 12468

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: 12468

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: 2073

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.

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