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Re: 401k millionaire

I had two 401k's . Just 10 years of contributions out of 30+ years working . Both were converted to IRA's and kept separate. Combined they are now over your mark. It really shows the power of compounding since the funding period was early in my career, 12% or so contributions, just equities, on a de...
by hicabob
Fri Oct 31, 2014 6:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k millionaire
Replies: 21
Views: 2844

Re: The safest 4 door sedan out there

jdb wrote: .... but another reason would much prefer to be in Model S in a collision than, say, our Lexus or Volvo or previous E Class, is that am not carrying 10 to 15 gallons of gasoline under the car.



No gasoline, but a couple hundred pounds of lithium - albeit well protected lithium.
by hicabob
Thu Oct 30, 2014 3:41 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 70
Views: 3352

Re: Anyone consider retiring to Vancouver, Washington?

WA has a very high estate tax on estates over 2 million which may be relevant.
by hicabob
Thu Oct 30, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: Anyone consider retiring to Vancouver, Washington?
Replies: 29
Views: 2251

Re: The safest 4 door sedan out there

Well, based on the list on the homepage it looks like the safest 4 door sedan it is the 2015 Hyundai Genesis sedan. It does well because there is crash test data from both IIHS and NHTSA, becuase it is available with a lot of active and passive safety features, and because it is heavy (4400 lbs). I...
by hicabob
Wed Oct 29, 2014 8:42 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 70
Views: 3352

Re: Tips on winning a small claims court case in California.

As a final note, with you trash-talking them all over the Internet, you should be prepared for a California-based defamation suit against you any minute now. I hope you have an umbrella policy that covers libel/slander otherwise this will end up costing you anywhere from $35,000 to millions of doll...
by hicabob
Wed Oct 29, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tips on winning a small claims court case in California...
Replies: 19
Views: 1910

Re: Tips on winning a small claims court case in California.

From my very limited small claims experience documentation is key. The oil filter in question would be nice to have. It's hard to fathom a Porsche specialty garage not changing the filter cartridge. Since you have been bashing his biz on the internet I would assume he has seen and read your Boglehea...
by hicabob
Wed Oct 29, 2014 5:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Tips on winning a small claims court case in California...
Replies: 19
Views: 1910

Re: Electric Water Heater

My one and only catastrophic water heater failure was from the flexible supply hose. It was a decent, modern stainless steel braid over plastic unit too. Failure resulted in water spraying all over for a few days while house was empty for a few days but the heater was in a shed outside so no damage ...
by hicabob
Tue Oct 28, 2014 7:58 pm
 
Forum: Personal Consumer Issues
Topic: Electric Water Heater
Replies: 14
Views: 837

Re: Career Advice for an Unhappy Young Doctor?

I used to work with a couple physicians at a large tech company which had a medical devices division. The docs there much preferred working in an r+d capacity than seeing patients and the MD sticker was a requirement in many phases of bringing the product to market. Of course this requires the doc i...
by hicabob
Mon Oct 27, 2014 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 76
Views: 6882

Re: Water testing kit?

I notice at the bottom of my sinks, on the drain, there is rust color residue. It is the same color residue in my toilet bowls. My house has all cooper pipes. I'm thinking the problem might be where the city line connects to my house. But that is just my guess. Also does anyone use a whole house wa...
by hicabob
Mon Oct 27, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Water testing kit?
Replies: 7
Views: 615

Re: Electronic lock experiences

I've had one for a few months - works great. Batteries failing are the possible downside but it's supposed to beep when they get low. Having one on the back door too would be an excellent backup.
by hicabob
Fri Oct 24, 2014 8:31 am
 
Forum: Personal Consumer Issues
Topic: Electronic lock experiences
Replies: 13
Views: 1281

Re: Are manufacturer vehicle owner warranties transferrable

mbz, volvo and nissan all have transferable warranties from my experience and I think most if not all others transfer the initial bumper to bumper warranty. I believe Hyundai transfers the initial bumper to bumper but not the 100k power-train?
by hicabob
Thu Oct 23, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: Are manufacturer vehicle owner warranties transferrable
Replies: 5
Views: 384

2015 ACA renewal

I just received my renewal letter from Blue Cross. 10.8% increase over last year for a bronze HSA plan.
Could be worse.
by hicabob
Wed Oct 22, 2014 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 ACA renewal
Replies: 6
Views: 482

Re: TSA [is it a hassle to opt out of scanning?]

Much easier to go thru the machine and get scanned. You will get far more radiation during the flight than from a back-scatter machine. At many airports, often you just go thru a metal detector. My local airport (SJC) uses the metal detectors when it gets busy but TSA does seem to pick some people f...
by hicabob
Wed Oct 22, 2014 6:29 pm
 
Forum: Personal Consumer Issues
Topic: TSA [is it a hassle to opt out of scanning?]
Replies: 42
Views: 2221

Re: How do you wash your car?

Poll results are rather startling. So far, overwhelming majority of those who voted say they rarely/never get car washed. Seems strange to me that bogleheads would be so, er, irresponsible, regarding such an expensive item. :shock: Washing the car doesn't make any difference to the lifespan of the ...
by hicabob
Mon Oct 20, 2014 8:47 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 6841

Re: Has Anyone Found Great Travel/Vacation Deals Due To Ebol

African Safari companies are supposedly having a tough spell and they operate far from the Ebola outbreak area. I expect good deals are to be had if that's your cup of tea.
by hicabob
Sun Oct 19, 2014 4:58 pm
 
Forum: Personal Consumer Issues
Topic: Has Anyone Found Great Travel/Vacation Deals Due To Ebola
Replies: 5
Views: 822

Re: Attorney Hourly Rates?

My last data point was $300/hour for a small (2-person office) fairly competent attorney specializing in small biz and real estate in urban CA.
by hicabob
Sun Oct 19, 2014 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Attorney Hourly Rates?
Replies: 41
Views: 3031

Re: Weird problem with a bank website: Chrome or Win8 (I thi

Chrome browser had a recent auto-update (couple weeks ago?) which broke it (super slow on some aspects) on my computer. Internet explorer still worked properly so that is a good test to try. It ended up that turning hardware accel off in the chrome tools advanced menu fixed it. I do have an older Nv...
by hicabob
Sun Oct 19, 2014 11:33 am
 
Forum: Personal Consumer Issues
Topic: Weird problem with a bank website: Chrome or Win8 (I think)
Replies: 7
Views: 541

Re: Kindle HDX or iPad Air?

There is a good price on refurbed airs at the apple store today

http://slickdeals.net/f/7266938-apple-i ... e-shipping
by hicabob
Sat Oct 18, 2014 5:41 pm
 
Forum: Personal Consumer Issues
Topic: Kindle HDX or iPad Air?
Replies: 17
Views: 1447

Re: Borescope for inspecting dryer vents and AC ducts

semperlux wrote:is there directional control on these boroscopes? If not, how do you get it to maneurver a turn in the duct work?


Cable tied to an old "fish tape" worked for me.
by hicabob
Fri Oct 17, 2014 5:36 am
 
Forum: Personal Consumer Issues
Topic: Borescope for inspecting dryer vents and AC ducts
Replies: 9
Views: 1336

Re: Borescope for inspecting dryer vents and AC ducts

The cheap chinese units from amazon work surprisingly well http://www.amazon.com/Waterproof-Borescope-Endoscope-Inspection-Camera/dp/B007T9CTBI/ref=sr_1_federatedaps0_3?ie=UTF8&qid=1413152939&sr=8-3&keywords=borescope they aren't the same as a multi-thousand dollar unit but for 17 bucks ...
by hicabob
Sun Oct 12, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: Borescope for inspecting dryer vents and AC ducts
Replies: 9
Views: 1336

Re: Things that you will not spend money on and most people

Recreational drugs. Every every noticed how much people spend on caffeine, nicotine, and alcohol? Also don't waste money on pets. I had a long reponse to this and my ipad froze. Essentially, I have been surpised in the last year or so to find out the amount of well-to-do adult professionals that sp...
by hicabob
Wed Oct 08, 2014 6:47 pm
 
Forum: Personal Consumer Issues
Topic: Things that you will not spend money on and most people do?
Replies: 78
Views: 4024

Re: Things that you will not spend money on and most people

plumbers, electricians, carpenters, mechanics, landscapers and the like. As an engineer type, I regard such projects as a personal challenge and spend ridiculous amounts of time ... but I accumulate cool tools and learn stuff.
by hicabob
Wed Oct 08, 2014 6:10 pm
 
Forum: Personal Consumer Issues
Topic: Things that you will not spend money on and most people do?
Replies: 78
Views: 4024

Re: cutting coax or something

regular cable coax (rg-59 or rg-6) cuts very easily with a pair of diagonal cutters assuming you are of normal strength. Perhaps it's something else?

http://en.wikipedia.org/wiki/Coaxial_cable
by hicabob
Sun Oct 05, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: cutting coax or something
Replies: 8
Views: 998

Re: is a 1920 x 1200 monitor worth it?

The 4k monitors are getting reasonable and give a whopping 3840x2160 pixels! Of course your display card and driver needs to be able to handle it. http://www.amazon.com/Samsung-28-Inch-Definition-Monitor-U28D590D/dp/B00IEZGWI2/ref=sr_1_1?s=electronics&ie=UTF8&qid=1412360385&sr=1-1&ke...
by hicabob
Fri Oct 03, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: is a 1920 x 1200 monitor worth it?
Replies: 15
Views: 838

Re: Changing a flight date

If you had bought tickets directly from the airline, any change fees would probably be just as high. One can look at their web site and see. The change fee is the same, but unlike the Orbitz policy (2 years ago ), the airline will let you buy another ticket at a price that shows up on a search. In ...
by hicabob
Thu Oct 02, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Changing a flight date
Replies: 24
Views: 1571

Re: Trying to understand Uber and similar "ride sharing" ser

An Uber ride didn't work out so well for this fellow a couple days ago in SF http://www.sfgate.com/bayarea/article/Victim-of-alleged-Uber-hammer-attack-may-lose-eye-5792092.php but probably one of those random things. Since the rides appear more "documented" than generic cabs I suppose it ...
by hicabob
Thu Oct 02, 2014 12:14 pm
 
Forum: Personal Consumer Issues
Topic: Trying to understand Uber and similar "ride sharing" service
Replies: 54
Views: 3739

Re: Changing a flight date

Orbitz is atrocious for changing fares after the grace period(or was when I used them up until a couple years ago). They charge the change fee then make you buy a new ticket at a much higher price than that listed on a search. I found it cheaper to throw the ticket away and eat the cost. This is why...
by hicabob
Thu Oct 02, 2014 11:24 am
 
Forum: Personal Consumer Issues
Topic: Changing a flight date
Replies: 24
Views: 1571

Re: Road Scholar: Your experience?

I think they are going for the quite educated and relatively wealthy demographic. I was looking at the Laos/Vietnam tours and while not cheap, it seemed interesting - Not sure if I'd be posh enough though, although having the cash would probably suffice.
by hicabob
Wed Oct 01, 2014 8:43 pm
 
Forum: Personal Consumer Issues
Topic: Road Scholar: Your experience?
Replies: 26
Views: 2763

Re: Why Aren't Waterbeds Popular Anymore?

ClevrChico wrote:The decline is correlated with conversion van sales.


I was thinking about how classic some of those conversion vans were just the other day - I have never seen one with a waterbed though - a waterbed is a lot of weight - 2000 lbs I bet?
by hicabob
Tue Sep 30, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Why Aren't Waterbeds Popular Anymore?
Replies: 13
Views: 1438

Re: Oatmeal suggestions

Bob's Red Mill steel cut oats cooked in a digital rice cooker on slow cooker setting. Easy, delicious, healthy - takes 25 minutes though.
by hicabob
Tue Sep 30, 2014 5:17 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 130
Views: 7123

Re: Will Bill Gross beat the Total Bond Market Index?

I looked up the fund he apparently will be taking over at Janus, JUCDX, and it has almost 2% Expenses so that will make beating total bond challenging.

http://finance.yahoo.com/q/pr?s=JUCDX+Profile
by hicabob
Sat Sep 27, 2014 10:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 57
Views: 5953

Re: deleting my posts on bogleheads.org

Just curious. Do you really think anything really disappears from the internet? Think NSA and Facebook, in either order. Even after you die, your internet tracks will live on. Indeed, and I think it should live on. The waybackmachine has been useful for me in the past ... http://archive.org/web/
by hicabob
Fri Sep 26, 2014 11:56 am
 
Forum: Forum Issues and Administration
Topic: deleting my posts on bogleheads.org
Replies: 25
Views: 4941

Re: What is the smallest monitor one can buy?

TV studios have little monitors all over the place. This place has pro level stuff Some have an hdmi input option although just about all facilities use sdi nowadays http://www.markertek.com/Digital-Video-Production/Video-Monitors/LCD-Video-Reference-Monitors/Delvcam-Monitor-Systems/DELV-SDI-7.xhtml...
by hicabob
Thu Sep 25, 2014 10:04 am
 
Forum: Personal Consumer Issues
Topic: What is the smallest monitor one can buy?
Replies: 13
Views: 1096

Re: Indoor rowing machine - worth it?

It's a weird exercise imo - I much prefer ellipticals, bikes + treadmills but some people like the rowers. A good way to see if you like them might be to get a free trial at the local gym (most will give you a week - check their websites) and try the various cardio machines. You may even find you li...
by hicabob
Wed Sep 24, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: Indoor rowing machine - worth it?
Replies: 73
Views: 3617

Re: How to achieve a balance between "saving" and "living"?!

Workaholic wrote:I have two hobbies- traveling and motorcycles. Both hobbies are fairly expensive and time consuming.



Hobbies are great - borrowing to fund those hobbies - not so great, at least it's not very bogleheady.
by hicabob
Fri Sep 19, 2014 6:53 pm
 
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 64
Views: 6686

Re: AliBaba

Looking at their website is quite interesting - it helped me get some appreciation of what it's about.
After you look at something for a while "sell offers" start to come to the webpage - very competitive pricing as you would expect

http://www.alibaba.com/
by hicabob
Fri Sep 19, 2014 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 128
Views: 8497

Re: Any downside to this Photovoltaic deal?

Hawaii varies from maybe 65F to maybe 85F during the year - there's very little cooling/heating load compared to VA.
Lucky for them considering the cost of energy there.
by hicabob
Fri Sep 19, 2014 2:39 pm
 
Forum: Personal Consumer Issues
Topic: Any downside to this Photovoltaic deal?
Replies: 19
Views: 1107

Re: Key to happiness in retirement

“I am a happy camper so I guess I’m doing something right. Happiness is like a butterfly; the more you chase it, the more it will elude you, but if you turn your attention to other things, it will come and sit softly on your shoulder.”
― Henry David Thoreau
by hicabob
Tue Sep 16, 2014 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Key to happiness in retirement
Replies: 36
Views: 3759

Re: Any FRANCHISE owners here?

Never owned one but I used to rent a building next door to a building rented by a person who owned (10) BK franchises. He used that facility for his personal semi-retired mechanic to work on and store his race cars and hot rods. Very nice cars. That owner did not work the grill but I expect he had a...
by hicabob
Tue Sep 16, 2014 8:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Any FRANCHISE owners here?
Replies: 30
Views: 3326

Re: Stove - repair or replace

It's probably very hard to beat the reliability of the old pilot light, disadvantage being it's an energy intensive process . More modern electrical ignitors are probably worth getting fixed if you like the appliance.
by hicabob
Mon Sep 15, 2014 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Stove - repair or replace
Replies: 9
Views: 586

Re: Could you sleep with all your money in Berkshire Hathawa

Having a few % of my net worth in brk over the years I have done well and appreciate what Mr Buffet has done for his shareholders. I have not sold yet but am thinking about it - actuarial worries being predominant. Having a few percent is one thing but "all your money" is a bird of a diffe...
by hicabob
Sat Sep 13, 2014 8:27 pm
 
Forum: Investing - Theory, News & General
Topic: Could you sleep with all your money in Berkshire Hathaway?
Replies: 49
Views: 3956

Re: Why COULDN'T we just retire on Social Security?

Apparently 26% of US retirees do just that, which would seem to bode well for the future solvency of SS.
by hicabob
Thu Sep 11, 2014 12:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why COULDN'T we just retire on Social Security?
Replies: 66
Views: 6065

Re: What are the benefits of a good credit score?

Some landlords check the applicants credit score. I have been told it has a good correlation with a tenants propensity to pay rent.
by hicabob
Wed Sep 10, 2014 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are the benefits of a good credit score?
Replies: 16
Views: 1274

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: 5827

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: 1884

Mississippi wins!

by hicabob
Tue Aug 19, 2014 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Mississippi wins!
Replies: 14
Views: 1884

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: 3992

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: 2820
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