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Re: Bitcoin: The worst investment in 2014

I wonder if the current exchange rate, which has been about the same since October, is the new normal or if it'll keep plummeting. $600 was "the new normal" for about 2-3 months starting in June... Wow, somebody here is not a believer in decentralized virtual currencies backed by virtuall...
by hicabob
Tue Dec 16, 2014 4:32 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin: The worst investment in 2014
Replies: 17
Views: 2068

Re: Any negative outlooks on healthcare industry's future

The amount the US consumer is currently spending on healthcare surely must be reaching the limit. It's currently 18% of our GDP. If spending ceases to increase it might put a lid on pharmaceuticals.
by hicabob
Tue Dec 16, 2014 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: Any negative outlooks on healthcare industry's future
Replies: 31
Views: 1564

Re: What is a move-up car after mid-size sedan?

. Like I said earlier, what features do you want for an extra $10k? Actually I don't know but look for more and better features. Don't know since I've been cheap and never drive many nice cars to know :) But after this discussion, I know what we're looking for are features, not brands (to impress p...
by hicabob
Sun Dec 14, 2014 5:07 pm
 
Forum: Personal Consumer Issues
Topic: What is a move-up car after mid-size sedan?
Replies: 63
Views: 4010

Re: Quicken WillMaker - any users?

I was looking into getting my estate planning in order too. My plan is to "do it myself" for a first try and the learning experience then try and find a competent lawyer when I am more knowledgeable about the matter. This generic plain talk will from the CA Bar Association seems like a nic...
by hicabob
Sun Dec 14, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Quicken WillMaker - any users?
Replies: 24
Views: 2917

Re: security camera outside away from a power source

A GoPro with a little solar system might work for you.

http://cam-do.com/GoProSolarSystem.html
by hicabob
Sat Dec 13, 2014 4:50 pm
 
Forum: Personal Consumer Issues
Topic: security camera outside away from a power source
Replies: 15
Views: 1147

Re: Do you get collision insurance for your car?

I have never had collision insurance, even on brand new cars. It's kind of surprising that some Bogleheads seem to think it's a "good bet" to have it even if they could afford not to.
by hicabob
Fri Dec 12, 2014 6:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you get collision insurance for your car?
Replies: 43
Views: 3512

Re: Master degree in Math

Perhaps decide after learning a little bit of calculus?
by hicabob
Thu Dec 11, 2014 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Master degree in Math
Replies: 43
Views: 3563

Re: Toddlers first flight

A few disposable earplugs for the neighbors if needed might be appreciated.
by hicabob
Thu Dec 11, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Toddlers first flight
Replies: 30
Views: 1828

Re: Have you ever been let go?

Mr. Digweed wrote:Its a bummer, to have "been let go" -- now, or when ever.

Need to plan for the eventuality.


Multiple sources of income is good insurance against losing one of the sources.
by hicabob
Tue Dec 09, 2014 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever been let go?
Replies: 74
Views: 5445

Re: lending club

Do the loans show the income of the borrower? If so, is the income whatever the borrower claims or does the Lending Club verify it? If the Lending Club verifies the income, how is that done? It seems like it would be child's play for a potential borrower to create a fake pay stub as a pdf or does L...
by hicabob
Tue Dec 09, 2014 5:52 pm
 
Forum: Investing - Theory, News & General
Topic: lending club
Replies: 50
Views: 3900

Re: Have you ever been let go?

Just once when the place I was working for moved engineering off-shore. I had 6 months notice then a year of severance pay and was turning 50yo, which is an old man for a software engineer. Not wanting to go back to cubicle life in Silicon Valley I started a small biz directly competing with my old ...
by hicabob
Tue Dec 09, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever been let go?
Replies: 74
Views: 5445

Re: Vanguard Turbo Tax prices anounced

Data-mining of the discounted online versions inputs should probably be expected? The TurboTax you run on your own computer definitely is more private.
by hicabob
Mon Dec 08, 2014 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 57
Views: 7719

Re: I need to accumulate $30k over the next 2 years, how?

Perhaps do some work on the side? A part-time second job for a while would easily give you the $$.
by hicabob
Mon Dec 08, 2014 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need to accumulate $30k over the next 2 years, how?
Replies: 59
Views: 4022

Re: Suspicious House Odor

The time required for "dead thing odor" to dissipate depends on how long it takes to dry and assumes it stays dried. Bigger things take longer than small. From experience at various dwellings, a Norway rat can last a few months, a California mouse lasts a few weeks. Humidity, temperature a...
by hicabob
Mon Dec 08, 2014 8:43 pm
 
Forum: Personal Consumer Issues
Topic: Suspicious House Odor
Replies: 21
Views: 2461

Re: How long do grilles last?

I've rebuilt my Weber propane unit twice over about 25 years of use. New burners, ignitor, flavorizer bars and grates. It costs a few bucks but is relatively easy, parts are readily available, and it makes it perform exactly like new.
by hicabob
Mon Dec 08, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: How long do grilles last?
Replies: 26
Views: 2456

Re: Got earthquake insurance?

In the Loma Prieta quake , whose actual epicenter was about 6 miles from my house at the time, my neighbors house got destroyed and had to be demolished. It was a geodesic dome that shifted about 2 feet off its foundation (which it was bolted to). My house only had a cracked window as damage. My nei...
by hicabob
Sat Dec 06, 2014 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Got earthquake insurance?
Replies: 35
Views: 2059

Re: Trade execution comparison

livesoft wrote:I have also noticed that WellsTrade seems to be better than TDAmeritrade especially for sub-100 share orders. Were these orders non-round-lots and/or less then 100 shares?



They were 400 shares each. The TD trade went through when 80.03 printed.
by hicabob
Fri Dec 05, 2014 5:32 pm
 
Forum: Investing - Theory, News & General
Topic: Trade execution comparison
Replies: 4
Views: 397

Trade execution comparison

I ran a little test today comparing the trade execution of TD Ameritrade and Wells Fargo brokerage. I have accounts at both and set up limit buys for BSV (Vanguard ST bond fund). The limits were set identically (80.04) which is the current low of the day. The Wells Fargo trade went through a while a...
by hicabob
Fri Dec 05, 2014 1:06 pm
 
Forum: Investing - Theory, News & General
Topic: Trade execution comparison
Replies: 4
Views: 397

Re: Youngster talented in science and math

Scientific American is great and would give practice reading at a college level.
by hicabob
Thu Dec 04, 2014 6:48 pm
 
Forum: Personal Consumer Issues
Topic: Youngster talented in science and math
Replies: 47
Views: 3273

Re: Dealing with unauthorized bill

Unless you signed a contract I would tell him to pound sand.
by hicabob
Thu Dec 04, 2014 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with unauthorized (lawyer) bill
Replies: 61
Views: 6208

Re: Where do you shop for groceries?

I go between Costco, Aldi, and a local Kroger comparable. Ive tried the Whole foods type places, the experience is better (you can walk around with a beer or coffee), but its hard to swallow the extra $. I haven't seen anyone drinking beer in a Supermarket since a housemate in college who seemed to...
by hicabob
Thu Dec 04, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 82
Views: 5813

Re: Amazon product restricted to Prime members. Is this new?

I've noticed the $35 min. order to qualify for free 2-day shipping no longer seems to apply with prime, which is nice.
by hicabob
Wed Dec 03, 2014 8:41 pm
 
Forum: Personal Consumer Issues
Topic: Amazon product restricted to Prime members. Is this new?
Replies: 34
Views: 4110

Re: lending club

My son has been doing it for a couple years and has a few thou in it. He's fussy about the loans he selects and has been doing about 12% return or so. He considers it part of his "bond allocation". It's been quite educational for him and he seems to enjoy the process although it seems quit...
by hicabob
Wed Dec 03, 2014 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: lending club
Replies: 50
Views: 3900

Re: Ken Fisher - Why I hate annuities

from the article "Disclosure: My firm often buys folks out of the humongous surrender fees that imprison them in variables–if they stay with us."

Ken must charge quite the ER to be able to do this. Anyone know what he charges?
by hicabob
Mon Dec 01, 2014 10:25 am
 
Forum: Investing - Theory, News & General
Topic: Ken Fisher - Why I hate annuities
Replies: 69
Views: 6150

Re: Florescent lights

I remember in elementary school, sometime in the late 50's or early 60's, the teacher gave us a few drops of mercury to hold in our hands. I think it was part of science class. Didn't they know mercury was toxic back then. The toxicity of mercury has been recognized for almost 2 centuries, as in ma...
by hicabob
Sat Nov 29, 2014 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Florescent lights
Replies: 20
Views: 1558

Re: Vacuum Cleaner Suggestions Please

Miele's are the best but pricy

This fellow is the king of vacuum cleaners.
http://www.reddit.com/r/IAmA/comments/1 ... t_believe/
by hicabob
Thu Nov 27, 2014 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Vacuum Cleaner Suggestions Please
Replies: 17
Views: 2253

Re: Being woken up by neighbors above me

The older the property, the worse it is going to be. I have lived in bad, medium, good places for this issue. In the bad place, I couldn't even get in my bed or walk across my floor without hearing the downstairs neighbor loudly complaining to his girlfriend. In the medium place, I hear nothing fro...
by hicabob
Wed Nov 26, 2014 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Being woken up by neighbors above me
Replies: 79
Views: 6294

Re: Being woken up by neighbors above me

Concrete buildings fix this. Unfortunately in the US this generally means it will be 5 stories or more.
by hicabob
Wed Nov 26, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: Being woken up by neighbors above me
Replies: 79
Views: 6294

Re: Favorite TED Talks

Amy Cuddy's is a classic."Your body language shapes who you are." She's an excellent speaker.
http://www.ted.com/talks/amy_cuddy_your ... anguage=en
by hicabob
Tue Nov 25, 2014 9:33 pm
 
Forum: Personal Consumer Issues
Topic: Favorite TED Talks
Replies: 26
Views: 3496

Re: Lamps for S.A.D. problem

The used "grow lights" that are all over craigslist (at least around here) have a very similar spectrum to the sun, which is why they are good for growing plants, so might be a workable cheap solution for someone wanting to experiment with "artificial sun". I have one in my garag...
by hicabob
Tue Nov 25, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Lamps for S.A.D. problem
Replies: 18
Views: 1746

Re: My Health care monthly premiums doubled after ACA

Just for fun I compared plans between Central Coast, CA and Reno NV. The same plan (BC/BS bronze HSA) was about 20% lower in Reno than CA which surprised me.
by hicabob
Mon Nov 24, 2014 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 4128

Re: Fidelity vs Scottrade

As far as I am concerned, for the things I want to buy Scottrade charges money and Fidelity does not. Right there, that's the end of the discussion. I am not even sure why Scottrade even exists anymore. Fidelity has the Spartan Index funds and no-commission iShares ETFs. Its got some nice software ...
by hicabob
Mon Nov 24, 2014 7:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs Scottrade
Replies: 16
Views: 1352

Re: Making money/career in Trading

What characteristics of being an excellent poker player would help you in trading?
by hicabob
Sat Nov 22, 2014 4:42 pm
 
Forum: Investing - Theory, News & General
Topic: Making money/career in Trading
Replies: 25
Views: 2447

Re: best bank for online billpay

livesoft wrote:I was going to say WellsFargo because WellsFargo online bill pay always works great for me. I've not had a time-out or any computer problems like that. So WF has all the criteria you ask for, but apparently only for me.


Same here - Wells Fargo has very good online services imo.
by hicabob
Sat Nov 22, 2014 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: best bank for online billpay
Replies: 24
Views: 2303

Re: Send text messages from PC to Cell Phone

To send a text to a verizon cellphone from a PC I send email to nnnnnnnnnn@vzwpix.com. (n's are the phone digits) . I believe all other carriers have similar
by hicabob
Fri Nov 21, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Send text messages from PC to Cell Phone
Replies: 25
Views: 3090

Re: What were your biggest financial emergencies?

Coming up with very low 7 figures to settle a divorce amicably. Luckily for me it meant liquidating my portfolios just at the start of the 2008 crash but before it got really bad.
by hicabob
Fri Nov 21, 2014 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: What were your biggest financial emergencies?
Replies: 39
Views: 4373

Re: What temperature for house for long winter absence?

Flobes wrote:I live in a frigid zone, and leave the house for more than a month at a time in winter.

* fill the freezer with bread; fill the fridge with bottles of water



why?
by hicabob
Thu Nov 20, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: What temperature for house for long winter absence?
Replies: 54
Views: 7034

Re: thinking of opening a franchise

I always though that the advice to "work in one first" is probably a very good idea for someone considering a franchise.
by hicabob
Thu Nov 20, 2014 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: thinking of opening a franchise
Replies: 21
Views: 3075

Re: Nissan Titan 2008 - Repair Estimates

For an outlay that size it's worth the time to get a couple quotes because ...

1) see if the other mechanic specifies the same work
2) price comparison

That is quite a bit of mileage though so not too surprising with the bearings/seals/hoses/etc
by hicabob
Thu Nov 20, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: Nissan Titan 2008 - Repair Estimates
Replies: 8
Views: 841

Re: Side jobs or hobbies that make you money

dad2000 wrote:This originally came about unexpectedly, but our pet dog is considered to have good looks/genetics and is earning us several hundred per month for sperm donations. Our commitment is about an hour per month going to the vet.



They no longer let the dogs do that the old fashioned way? Poor boy.
by hicabob
Wed Nov 19, 2014 5:43 pm
 
Forum: Personal Consumer Issues
Topic: Side jobs or hobbies that make you money
Replies: 127
Views: 17637

Re: I just discovered podcasts

Clark Howard does decent podcasts and is quite the Boglehead.

http://www.clarkhoward.com
by hicabob
Wed Nov 19, 2014 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: I just discovered podcasts
Replies: 2
Views: 1090

Re: UPS pickup small packages at a home?

If you have an account with UPS - no problem of course. Even if you don't have a UPS account but have a pre-printed return label from Amazon or others they will pick it up too, free of charge.
by hicabob
Tue Nov 18, 2014 4:59 pm
 
Forum: Personal Consumer Issues
Topic: UPS pickup small packages at a home?
Replies: 6
Views: 1043

Re: 75w LED bulb in a 60w socket?

Cree, the manufacturers of the finest leds and led bulbs, specifies their bulbs are good up to a 45C (113 F) operating environment. This is about when something starts to feel uncomfortably hot to touch with bare skin.
by hicabob
Mon Nov 17, 2014 5:40 pm
 
Forum: Personal Consumer Issues
Topic: 75w LED bulb in a 60w socket?
Replies: 14
Views: 2277

Re: 75w LED bulb in a 60w socket?

absolutely fine. The led bulb probably produces about 6 watts of heat which is what matters, not the equivalent lumen rating.
by hicabob
Mon Nov 17, 2014 11:04 am
 
Forum: Personal Consumer Issues
Topic: 75w LED bulb in a 60w socket?
Replies: 14
Views: 2277

Re: ACA coverage question

Assuming they are not doing something illegal or are not knowledgable they are probably in complience under some statute. didn't all of this compliance get kicked into 2015 by Obama a year ago to avoid the elections it's possible your son will get coverage in 2015 or not be renewed? Apparently he's...
by hicabob
Sat Nov 15, 2014 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA coverage question
Replies: 7
Views: 452

Re: ACA coverage question

Is he classified as outside contractor. they is how a lot of government agencies get around obamacare. just a guess Not at all - I figured he'd be a 1099 but that's not the case - the county pay the employers part of SSI - they take out union dues too . He's an official "county temp employee&q...
by hicabob
Sat Nov 15, 2014 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA coverage question
Replies: 7
Views: 452

ACA coverage question

One of my kids recently got a "temporary" (6 months at a time which can be renewed) job with the local county. $30/hr - 40 hours per week - which is OK but they do not provide any health insurance or any other benefits other than FICA contributions. Looking through the rules it would seem ...
by hicabob
Sat Nov 15, 2014 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA coverage question
Replies: 7
Views: 452

Re: "Downgrading" to a Porsche

According to this website .... http://tradeinqualityindex.com/reports/Porsche.html Boxsters get traded in at low mileage and are above average in reliability so they may be a decent choice and are definitely fun cars. I think I'd keep the 335 though. Nice car and you have eaten a lot of depreciation...
by hicabob
Sat Nov 15, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Downgrading" to a Porsche
Replies: 39
Views: 6552

Re: Society of Actuaries Increases Life Expectancy Projectio

I wonder why they bump it up in such large increments instead of doing yearly adjustments? Surely it's not a big surprise to the actuaries.
by hicabob
Fri Nov 14, 2014 4:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Society of Actuaries Increases Life Expectancy Projections
Replies: 14
Views: 1702
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