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Re: Keep Cash in Yuan?

Your source, rt.com, is a Russian news service and generally not considered very reliable, especially when it comes to propaganda type subjects. It's sort of like Fox news reporting on Russian currency. The USD completely dominates as a reserve currency and I expect will hold that position for quite...
by hicabob
Thu Mar 26, 2015 11:28 am
 
Forum: Investing - Theory, News & General
Topic: Keep Cash in Yuan?
Replies: 8
Views: 599

Re: Should I accept this Job Offer ?

I have worked for mega(100k), medium (400), small (30), very small (6) and self.
To generalize - I think the smaller the company is, results in better opportunity but higher risk ( like stocks?). If you are aggressive and ambitious smaller is probably better.
Vacation is often negotiable.
by hicabob
Wed Mar 25, 2015 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I accept this Job Offer ?
Replies: 20
Views: 1517

Re: Any situations car leasing makes sense?

The bottom line is this: I rent a Mercedes that is always less than 3 years old for $20 a day. I think that's a pretty good deal. But not as good as the $7/day on a Nissan Leaf lease, and that's with $0 fuel cost too since I charge from my properly-sized solar array and have no electricity bill for...
by hicabob
Wed Mar 25, 2015 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Any situations car leasing makes sense?
Replies: 63
Views: 4897

Re: What do you think of storage sheds as an investment?

25 units is too small to be economical. You probably need a couple of hundred to make it profitable. You need either cheap land, or a high rise building. This type of business really needs a live in full time manager for security. One of the places that I rented in LA actually let the dogs loose in...
by hicabob
Tue Mar 24, 2015 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: What do you think of storage sheds as an investment?
Replies: 33
Views: 2680

Re: Measuring duct volume and/or temperature

A thermapen or equivalent would work very well for the air temperature and after that use it's very useful for cooking! Mine seems very accurate at room temperature up to past boiling. They work quickly in the air, in water and in food. http://www.amazon.com/ThermoWorks-Super-Fast-Professional-Therm...
by hicabob
Tue Mar 24, 2015 5:56 pm
 
Forum: Personal Consumer Issues
Topic: Measuring duct volume and/or temperature
Replies: 6
Views: 475

Re: Elio Car

That 15k "private investment" Elio has started pushing recently seems a little scammish perhaps? Hard to believe the target $6.8k sales price relative to other simpler (not enclosed/no AC, etc) 3-wheel vehicles such as the Bombardier Can-am, Polaris Slingshot, etc. which are made by large ...
by hicabob
Sun Mar 22, 2015 12:26 pm
 
Forum: Personal Consumer Issues
Topic: Elio Car
Replies: 47
Views: 4666

Re: Whats a good Pistol to buy?

I am not a pistol guy. If you are paranoid enough to feel like you need a pistol, take a methodical approach to things. If you ever need it, your adrenaline is gonna be HIGH and your functioning will be P poor. You need to have something easy, minimal steps, easy to operate, comfortable. Then you n...
by hicabob
Fri Mar 20, 2015 5:01 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 109
Views: 7545

Re: Hearse as daily driver?

It would be great if you were the proprietor of a suitable business.
Image
by hicabob
Fri Mar 20, 2015 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 3571

Re: Whats a good Pistol to buy?

I'd be interested to hear from owners what the OP needs to consider when rolling through a state that may have tough permitting regs like Maryland (my state). Can anyone who owns a gun just roll into the state legally with a loaded firearm in their vehicle? The average Joe can't drive around legall...
by hicabob
Fri Mar 20, 2015 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 109
Views: 7545

Re: Any situations car leasing makes sense?

I have a neighbor who likes to spend on very fancy "high-end" cars. Currently a Maserati . He always does a 3 year lease even though buying would not be a problem. The super fast depreciation of such cars makes leasing worthwhile according to him.
by hicabob
Fri Mar 20, 2015 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any situations car leasing makes sense?
Replies: 63
Views: 4897

Re: Save on capital gain tax

My sympathies :( . CA is certainly brutal toward long term cap gains compared to most states. Surely, now you have exercised the options the taxable event has already occurred which would make any strategy too late?
by hicabob
Wed Mar 18, 2015 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Save on capital gain tax
Replies: 5
Views: 611

Re: How to plan for early retirement: Healthcare costs

If you are not employed you can still contribute to an HSA. You would still need to be enrolled in an HDHP to contribute to an HSA, though. But please note that HSA contributions may not be tax-deductible for state income tax purposes. For example, they are not deductible in California. This makes ...
by hicabob
Tue Mar 17, 2015 7:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to plan for early retirement: Healthcare costs
Replies: 53
Views: 5980

Re: Possible for concrete to set up ok, but turn to mush lat

I've seen concrete that wasn't mixed properly have globs of sand in it that erode away quickly. Properly mixed concrete is "liquid rock" and gets even stronger for the first decade or so.
by hicabob
Mon Mar 16, 2015 6:38 pm
 
Forum: Personal Consumer Issues
Topic: Possible for concrete to set up ok, but turn to mush later?
Replies: 5
Views: 954

Re: Definition of financial independence?

I think if you are 90yo and your assets generate less than expenses you are still FI if you have a couple million.

Perhaps "When a person is able to live comfortably from their assets without ever working for money again they are financially independent"
by hicabob
Mon Mar 16, 2015 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Definition of financial independence?
Replies: 52
Views: 4752

Re: My Greatest Weakness.

NewsFlash ... people at the gym won't care so cross that one off your list of excuses. :happy
by hicabob
Sat Mar 14, 2015 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Greatest Weakness.
Replies: 37
Views: 5603

Re: Best Business Start-up?

Uber or Lyft driver seems to be fairly low cost to try and reasonable pay for a decent driver. A lot lower risk than most others you mentioned you are considering.
by hicabob
Sat Mar 14, 2015 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Best Business Start-up?
Replies: 16
Views: 1173

Re: How to Really Drive Across the U.S. Hitting Major Landma

Thanks for posting the link,I saw it the other day on an RV website and it intrigued me. I was rough calculating costs for spouse and myself in our class b . 3 months would be sufficient. Assuming 5000 miles travel ,on the high side.diesel fuel averaging 3.00 a gallon: 700.00 fuel 1200.00 food Othe...
by hicabob
Fri Mar 13, 2015 9:32 pm
 
Forum: Personal Consumer Issues
Topic: How to Really Drive Across the U.S. Hitting Major Landmarks
Replies: 21
Views: 2087

Re: Sewer Assessments are Stinky

I had that happen to the first house I owned. It worked out well for me since the septic tank was questionable and getting worse. I paid Roto-Rooter to do the sewer connection since they were doing a lot in the neighborhood at the time so they had the backhoes/trucks/people there so I got a decent p...
by hicabob
Fri Mar 13, 2015 7:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sewer Assessments are Stinky
Replies: 14
Views: 3059

Re: Kit homes?

I have an acquaintance who built a log cabin type cottage in Canada using a "log lathe". It's for the real hardcore do-it-yourselfer but if you have free logs it can make sense. He had a little biz importing them from China and selling them. The lathes go for about $20k http://i4.ebayimg.c...
by hicabob
Fri Mar 13, 2015 5:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kit homes?
Replies: 7
Views: 802

Re: Wireless Internet Question

A high and central location for the antennas is best. The attic perhaps?
by hicabob
Fri Mar 13, 2015 11:23 am
 
Forum: Personal Consumer Issues
Topic: Wireless Internet Question
Replies: 31
Views: 2400

Re: Ink Cartridges dry up on seldom used printer, any ideas?

Get a cheap monochrome laser printer. The brother HL-22700W I have has magnificent price/performance.

http://www.amazon.com/Brother-HL-L2340D ... B00LZS5EEI
by hicabob
Thu Mar 12, 2015 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Ink Cartridges dry up on seldom used printer, any ideas?
Replies: 32
Views: 1703

Re: Subaru and Consumer Reports ratings

The top rated sports sedan is a buick. A BUICK? In my mind, this invalidates all past, present and future consumer reports opinions on anything. I believe you have a inarguable point there :) My Subaru ownership experience probably has no validity here, as it was a Brat pickup purchased new in 1979...
by hicabob
Wed Mar 11, 2015 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Subaru and Consumer Reports ratings
Replies: 100
Views: 8929

Re: What internet speed is fast enough?

I too have AT+T 6/1 which is the fastest the local DSL can do. I used to have 3/.5 which was OK but not so good with netflix. Comcast recently put a line in, they even put a new pole in just for my benefit! They offer better rates for a higher speed so I should join, and probably will soon, but hear...
by hicabob
Wed Mar 11, 2015 7:18 pm
 
Forum: Personal Consumer Issues
Topic: What internet speed is fast enough?
Replies: 51
Views: 4382

Re: non-compete question

Very state specific question, but you seem to have a good broad description of the rules. +1 would help to know what state you are in. CA for example basically gives 0 validity to non-competes. New Jersey on the other hand is more difficult. FWIW I am in the same field/position as you and have neve...
by hicabob
Tue Mar 10, 2015 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: non-compete question
Replies: 23
Views: 2039

Re: High Cost of Fruits and Vegetables

Barefootgirl wrote:Wow, stoptothink. I don't know where you live or where you shop - but those prices are astonishingly low compared to what I've seen in the DC area - and I am not referring only to high end grocers - I am referring to all grocers.

Now you have me curious~!



Aldi's or Grocery Outlet?
by hicabob
Mon Mar 09, 2015 2:55 pm
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 6972

Re: 2015 Honda CR-V vibration problems

Really struggling with this issue. I've test driven virtually all the CRV competitors and can't find anything I like as much. I've got a CRV Touring coming in next week that I've had on order for a couple of months and really don't know what to do. I know people complain only when they have a probl...
by hicabob
Mon Mar 09, 2015 12:13 pm
 
Forum: Personal Consumer Issues
Topic: 2015 Honda CR-V vibration problems
Replies: 27
Views: 3311

Re: 3 D Printing

My local tech-shop (a really nice place and excellent idea) has 3 quite nice 3-d printers, cad software + workstations, instruction & encouragement for those wanting to learn about it. I think spending the $$ for lessons if available locally would be a good idea for most people before committing...
by hicabob
Sun Mar 08, 2015 4:56 pm
 
Forum: Personal Consumer Issues
Topic: 3 D Printing
Replies: 25
Views: 1436

Re: High Cost of Fruits and Vegetables

I went to the Soylent web site to check out the details. They charge $300 for a one-time 4-week supply, […] At that time, I'll decide if it's worth subscribing to. Victoria This seems ridiculously expensive to me. For $250 a month, I can have 15 take-out dinners worth 6 meals each and 12 sushi lunc...
by hicabob
Sun Mar 08, 2015 4:36 pm
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 6972

Re: Driveway Replacement Cost

I had my asphalt driveway repaired by overlaying with 2 inches of new asphalt. The contractor removed the really bad parts and we used a fiberglass reinforcement mat under the new layer which he said is really the key to doing a good overlay. It still looks really good 11 years later and cost consid...
by hicabob
Sat Mar 07, 2015 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Driveway Replacement Cost
Replies: 36
Views: 2666

Re: Replacing [Oil] Filters: Time vs. Usage

Trivia: Seem to recall my 53 Chevy did not have an oil filter. Are you sure? I had a 55 Chevy that did not have an oil filter. Another "quality" GM product. :annoyed My old '69 VW bug had no filter but a wire screen with holes about the size of mosquito netting that were intended to catch...
by hicabob
Fri Mar 06, 2015 11:41 am
 
Forum: Personal Consumer Issues
Topic: Replacing [Oil] Filters: Time vs. Usage
Replies: 41
Views: 2760

Re: If you have $1 million...

I have way more $$ than I need and drive a Tacoma pickup (which is needed for garbage day due to long driveway) and my daughters high-mileage '08 rabbit which I look after because she lives in a place where having a car is a pita. I should buy myself a fancy car I suppose but it's hard to rationaliz...
by hicabob
Thu Mar 05, 2015 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you have $1 million...
Replies: 65
Views: 6234

Re: Not Interested in Ever Owning Real Estate

The Herengracht index is interesting reading for someone considering real estate as a long term insight.

For most people's timeframe, I think it's very dependent on if you pick a good area for the next X number of years and X is long enough.

http://arnop.unimaas.nl/show.cgi?fid=10696
by hicabob
Tue Mar 03, 2015 8:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Not Interested in Ever Owning Real Estate
Replies: 35
Views: 3385

Re: Opinions on living in Jacksonville FL?

Jacksonville is a huge city with many different areas. If you're looking for areas close to Mayo, I would recommend Ponte Vedra Beach. My wife and I love it here. Many of our friends who work at Mayo live here and they enjoy it as well. She would only be about 10 minutes away and she wouldn't have ...
by hicabob
Tue Mar 03, 2015 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Opinions on living in Jacksonville FL?
Replies: 19
Views: 1943

Re: Honda fit vs VW GTI

Wife currently owns a GTI. Gas mileage is not too bad, a bit worse than a Camry or Accord. It is a lot of fun and there is a lot of space in both the back seats and the storage hatch. Some other suggestions : Last gen Subaru Impreza WRX. Ford Focus ST. Wait for the 2016 Honda Civic Type R. Nice thi...
by hicabob
Mon Mar 02, 2015 3:13 pm
 
Forum: Personal Consumer Issues
Topic: Honda fit vs VW GTI
Replies: 54
Views: 3952

Re: What are Costco's best deals?

Re Returns policy - liberal is an understatement. I well remember standing behind a particularly fat specimen who returned a less than half full tub of mixed nuts and remarked that her family "didn't like them". The staff on the returns desk must have many a story to tell. Re Checking the...
by hicabob
Sun Mar 01, 2015 3:34 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 19895

Re: AAA card as prepaid credit card?

For Canada you really do need a chip card nowadays for just about anything except hotels.
by hicabob
Sun Mar 01, 2015 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: AAA card as prepaid credit card?
Replies: 8
Views: 662

Re: Replacing exterior door ease?

We have a local place that specializes in doors, I expect most locales have similar. If you take the old door off and leave it with them they will make an exact fit from a new door of your choice. Worked well for me.
by hicabob
Sat Feb 28, 2015 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Replacing exterior door ease?
Replies: 10
Views: 697

Re: What are Costco's best deals?

I just ate one of the salmon burgers that someone recommended here. Not bad at all! Now time to pass out reading Bogleheads... I bought some salmon burgers a few weeks ago, and I cant stand them. Not sure if they were the same, but they were in the freezer section. Not sure if I will ever be able t...
by hicabob
Fri Feb 27, 2015 12:06 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 19895

Re: Beepi - a new way to buy a used car?

beepi prices don't seem so special, but the refund possibilities if you don't like the car seem nice. The no test drive or even actually seeing the vehicle before buying is off-putting for some of us although I can see it would save costs.
by hicabob
Thu Feb 26, 2015 4:57 pm
 
Forum: Personal Consumer Issues
Topic: Beepi - a new way to buy a used car?
Replies: 25
Views: 2494

Re: Buying a home in SF Bay Area

"throwing away money on rent" is a Realtor phrase and I think it's the wrong way to look at it. The current cap rate for newly purchased rental properties in nice parts of the bay area are only 3 to 5% which is very low for the US and indicates renting is a wise choice for many people. Thi...
by hicabob
Tue Feb 24, 2015 2:32 pm
 
Forum: Personal Consumer Issues
Topic: Buying a home in SF Bay Area [Dumbo]
Replies: 79
Views: 4306

Re: Health Care in Retirement

From my experience ACA costs for "late early retirement" seems to come out to about $11k/year per person if you fully use it up to the deductible, $6k/year if you do not use it at all (assuming no subsidies) . Add the 11k per year into your cost of living estimates and see if it works for ...
by hicabob
Tue Feb 24, 2015 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Care in Retirement
Replies: 4
Views: 699

Re: Breath freshening without sugar or artificial sweetener

A +1 on xylitol. It's a sugar alchohol and is "natural" in that it occurs in many fruits. In gum or mints it tastes excellent and is apparently actually good for teeth. My dentist gives out samples.
by hicabob
Tue Feb 24, 2015 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Breath freshening without sugar or artificial sweetener
Replies: 7
Views: 767

Re: Pellet stoves -- whats your take?

I have an older one in my guest house which I bought for $350 from craigslist and installed myself to replace a wood stove. They are great in terms of cranking out heat and get up to temp quickly. The amount of heat varies by size of stove and is measured in BTU's. You need the proper double wall ch...
by hicabob
Tue Feb 24, 2015 11:33 am
 
Forum: Personal Consumer Issues
Topic: Pellet stoves -- whats your take?
Replies: 38
Views: 2873

Re: Luxury Car

Any love for hatches like the Focus RS? Probably a thread hijack to ask. Absolutely! Modern "hot hatches" are high in fun-factor, safe, comfortable and useful - I'm planning to get a Golf GTI for my next vehicle - Vettes and 911's are great and I could afford one but the image they exude ...
by hicabob
Mon Feb 23, 2015 11:18 am
 
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 81
Views: 5644

Re: Luxury Car

abuss368 wrote:How about the Apple iCar?


Image
by hicabob
Mon Feb 23, 2015 9:03 am
 
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 81
Views: 5644

Re: electric toothbrush

I've had Sonicares for a long time and think they are wonderful. Their seem to be 2 basic models, the older ones did have a tendency to get moldy gunk where the brush attaches. Easy enough to clean when it smells funky though. The newer model units vibrate at a higher frequency and have a much more ...
by hicabob
Fri Feb 20, 2015 7:06 pm
 
Forum: Personal Consumer Issues
Topic: electric toothbrush
Replies: 38
Views: 2334

Re: Laptop question

People have linux running on Chromebooks, but then, linux could probably run on a potato. A chromebook is intended for the internet, and that's about it.
by hicabob
Fri Feb 20, 2015 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Laptop question
Replies: 8
Views: 1117

Re: Is BRKA a simple efficient way to Leverage Large Value?

itstoomuch wrote:Who is doing LEAPS and what threads, other than BHer's "staying the course" and using annuities? :annoyed

Can anyone do fractional share, BRK-A ? :annoyed

brk.b is the fractional brk.a
by hicabob
Fri Feb 20, 2015 12:38 pm
 
Forum: Investing - Theory, News & General
Topic: Is BRKA a simple efficient way to Leverage Large Value?
Replies: 7
Views: 942

Re: What is your favorite consumer product?

The Thermapen precision thermistor based meat thermometer has to be up there for useful, well designed, innovative gadgets every carnivore should have.
by hicabob
Wed Feb 18, 2015 6:24 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 174
Views: 11210

Re: Is the opportunity I have one worth investing in?

Perhaps suggest taking the 30k out of the 15hrs/week overtime? Minimal risk and you build "sweat equity" - good for both parties. Of course get a written contract (by a lawyer that is) to clarify understandings - equity ownership can be complicated.
by hicabob
Wed Feb 18, 2015 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is the opportunity I have one worth investing in?
Replies: 10
Views: 932
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