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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: 63
Views: 2782

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: 63
Views: 2782

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: 15
Views: 1466

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: 15
Views: 1601

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: 3226

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: 14
Views: 954

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: 2353

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: 22
Views: 1459

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: 15
Views: 1455

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: 3793

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 Finance (Not Investing)
Topic: What temperature for house for long winter absence?
Replies: 31
Views: 2869

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: 2774

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: 823

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: 125
Views: 17187

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: 1049

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: 772

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: 1977

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: 1977

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: 449

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: 449

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: 449

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: 6255

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: 1601

Re: Chip and Pin: busted by hackers before it's even here

they would have to make electrical contact with the smart cards I'm familiar with which would be very hard to do surreptitiously.
by hicabob
Thu Nov 13, 2014 7:22 pm
 
Forum: Personal Consumer Issues
Topic: Chip and Pin: busted by hackers before it's even here
Replies: 17
Views: 1494

Re: When is it time to buy a new car?

According to this website Outbacks usually get traded in at about 135k, which is higher than most cars so you've exceeded that! http://tradeinqualityindex.com/ it's quite an interesting website for statistics aficionados - Toyota 4-Runner seems to have the "highest number of miles at trade-in&q...
by hicabob
Thu Nov 13, 2014 7:11 pm
 
Forum: Personal Consumer Issues
Topic: When is it time to buy a new car?
Replies: 21
Views: 1982

Re: Selling to avoid capitol gain.

you have to wait 30 days to rebuy else lose the cap losses. You can buy a similar yet different fund though.
by hicabob
Thu Nov 13, 2014 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling to avoid capitol gain.
Replies: 11
Views: 781

Re: Your favorite classic toys for kids

Dungeons and Dragons GI Joe action figures (3.75" version) Slot cars and electric race track Legos Aircraft models Monopoly Comic books Stuffed animals when I was really young Nintendo and computer games, of course. Loved slot cars here too. I always thought the switch to "traction magnet...
by hicabob
Wed Nov 12, 2014 8:04 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 4112

Re: Your favorite classic toys for kids

Meccano is interesting. A bit harder than legos but I think much better for learning how things actually work and how to build mechanical devices. It was always much more popular in the EU than the US I believe. I still have mine and have even used it for engineering project prototypes in the past. ...
by hicabob
Wed Nov 12, 2014 12:46 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 4112

Re: Real estate as my "million dollar idea"

I too would love to know where a 22K house can rent for $600 per month. I am just curious. If those are the numbers, it is a pretty sweet deal. Almost too good to be true. Here's an example - 29k but 813/mo est rent. I used to live near there - I thought it wasn't too bad at all back then http://ww...
by hicabob
Tue Nov 11, 2014 5:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real estate as my "million dollar idea"
Replies: 78
Views: 6643

Re: Real estate as my "million dollar idea"

tj wrote:Where can you get a 1BR for 22.5k?

I can retire tomorrow!


Detroit, Cleveland or Buffalo among others.
by hicabob
Tue Nov 11, 2014 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real estate as my "million dollar idea"
Replies: 78
Views: 6643

Re: Food Frugality: Where do you draw the line?

I have a real problem with the definition of junk food. Why people call McDonalds "junk food", just because they are tasty and they give a sufficient amount in each meal? (so you cannot control your intake?) Why people call Subway as "healthy food", because they taste not so goo...
by hicabob
Tue Nov 11, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 6584

Re: Food Frugality: Where do you draw the line?

Fast food at the usual suspects - which I used to enjoy and is of course cheap but probably not worth it in the long run.
by hicabob
Tue Nov 11, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 6584

Re: If your networth is over $3 million, how did you do it?

Started a small biz in my field of expertise after my eng job was off-shored and it took off then I sold it at an appropriate time. It was the hardest 7 years I have ever worked in my life though.
by hicabob
Tue Nov 11, 2014 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 259
Views: 26175

Mr Bogle - 20x p/e warning

"Using the S&P 500, 20 times estimated future operating earnings," Bogle said. "That's a good warning sign."
http://finance.yahoo.com/news/vanguard- ... cAN3.TmYlQ

Sounds like timing to me.
by hicabob
Mon Nov 10, 2014 9:31 pm
 
Forum: Investing - Theory, News & General
Topic: Mr Bogle - 20x p/e warning
Replies: 22
Views: 3245

Re: What about non-U.S. colleges?

I would strongly encourage you to look at Canadian universities. I graduated with my MD from McGill. McGill, I recall, takes about 10% of its students from outside Canada. Montreal and McGill are a fabulous educational experience. Other Canadian schools I would look at are University of Toronto, Qu...
by hicabob
Sun Nov 09, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: What about non-U.S. colleges?
Replies: 47
Views: 3911

Re: need to brush up on math

Another rec here for Coursera. The course I took was done excellently. Well edited, enthusiastic, flexible, free - really good.
by hicabob
Sat Nov 08, 2014 5:32 pm
 
Forum: Personal Consumer Issues
Topic: need to brush up on math
Replies: 7
Views: 1090

Re: Merc or BMW?

I did have a 1995 Mercedes E320 though, and man was that an elegant car. The repairs were about 6k/year though ;) I had a '94 E class too - very nice indeed. My kids were learning to drive then and as new drivers they both much preferred driving the Benz to the much newer Honda Accord. One of my ki...
by hicabob
Sat Nov 08, 2014 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Merc or BMW?
Replies: 60
Views: 6710

Re: My DISH tv bill just keeps going up and up

Call Direct-tv. They use different size mounting poles but the same co-ax connection and the satellites are in a similar orientation so if you do it correctly it's easy to switch between the two providers then you will get the preferential "new customer" rates. Of course just the threat to...
by hicabob
Sat Nov 08, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: My DISH tv bill just keeps going up and up
Replies: 50
Views: 4550

Re: Brother involved with golddigger

Thank you for all the responses. We have done a preliminary check. A lot of sketchy real estate deals. Trying to find out if she really is divorced; not easy in CA. CA counties around me have a summary of superior court proceedings, including divorces, online - just type in the name of the suspecte...
by hicabob
Fri Nov 07, 2014 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Brother involved with golddigger
Replies: 37
Views: 8288

Re: How much to save for retirement?

tennisplyr wrote:Sounds way too conservative for me, almost worst case scenario....no growth for 30 years šŸ“Š


He's assuming growth = inflation, which for a 50/50 portfolio is indeed conservative ... at least I assume he's using inflation adjusted required $$ as otherwise would be silly.
by hicabob
Thu Nov 06, 2014 7:16 pm
 
Forum: Investing - Theory, News & General
Topic: How much to save for retirement?
Replies: 9
Views: 2603

Re: How often do you change your car's oil?

I worked for an outfit a few years ago that had a fleet of 20-30 pickups. they never changed the oil, just added as needed, they traded them in at 100K. They said economically its the best way to go and I don't remember any engines blowing up. It's one reason I am real careful buying a used vehicle...
by hicabob
Wed Nov 05, 2014 5:37 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 11259

Re: The safest 4 door sedan out there




Good video - Volvo's may be stodgy, expensive and expensive to maintain - but they surely do well in crashes!
by hicabob
Wed Nov 05, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4548

Re: Donating Your Body to Medical School, etc.

I read a really good book on the subject years ago. It was on the clearance table in a bookstore and I needed a book for a long plane flight. "Stiff: The Curious Lives of Human Cadavers" http://www.amazon.com/Stiff-Curious-Lives-Human-Cadavers/dp/0393324826 Definitely worth reading, especi...
by hicabob
Sun Nov 02, 2014 5:49 pm
 
Forum: Personal Consumer Issues
Topic: Donating Your Body to Medical School, etc.
Replies: 44
Views: 4432

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 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k millionaire
Replies: 27
Views: 5013

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 2:41 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4548

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 11:57 am
 
Forum: Personal Consumer Issues
Topic: Anyone consider retiring to Vancouver, Washington?
Replies: 45
Views: 4432

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 7:42 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4548

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 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tips on winning a small claims court case in California...
Replies: 24
Views: 2838

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 4:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Tips on winning a small claims court case in California...
Replies: 24
Views: 2838
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