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Re: Best Coffee Maker? What do you have?

"Make everything as simple as possible, but not simpler." A.E.

Image
by hicabob
Wed Jul 23, 2014 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 26
Views: 1188

Re: Do you own a DOW30 or NASDAQ100 index fund?

I've owned the QQQ (naz100 etf) for quite a few years since pre-boglhead days. My cap gains in it are too high to want to get rid of it right now and I think it fits into a boglehead portfolio although it is more volatile than vti or similar.
by hicabob
Wed Jul 23, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: Do you own a DOW30 or NASDAQ100 index fund?
Replies: 11
Views: 496

Re: How indexing let these retirees live footloose and fancy

I lived in NY and never paid $30,000 a year for health insurance for a family. You know that businesses and families would be quickly moving from NY if that were the cost of health insurance there. The CFO of a Canadian company I worked for, who have a large manufacturing plant just over the border...
by hicabob
Tue Jul 22, 2014 8:06 pm
 
Forum: Investing - Theory, News & General
Topic: How indexing let these retirees live footloose and fancyfree
Replies: 35
Views: 3482

Re: Establishing a dementia trust

Perhaps it's state dependent, but in NY years ago a psychiatrist would conduct an interview with the person to determine competency.
by hicabob
Tue Jul 22, 2014 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Establishing a dementia trust
Replies: 8
Views: 780

Re: Engineer career change

Sofware can be engineering if it deals with physics. Like writing firmware for a chip requires an understanding of what's going on. You are entitled to opinion but I don't agree and I've worked in various types of engineering for 30+ years. Developing an algorithm that can eliminate many mechanical...
by hicabob
Fri Jul 11, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Engineer career change
Replies: 55
Views: 5394

Re: Toys for a Lazy Cat

remote controlled "mouse" - fun for cat and driver ?
by hicabob
Mon Jul 07, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Toys for a Lazy Cat
Replies: 46
Views: 2873

Re: Car did not start: To dispose? How?

You can debug it a little quite easily ... - if it sits there clicking battery is probably bad or not charging - if the headlights are bright the battery is probably ok - if headlights are bright but starter motor doesn't turn possibly starter motor - if car engine cranks (ruuh-ruuuh-ruuuh-ruuh) whe...
by hicabob
Mon Jul 07, 2014 9:58 am
 
Forum: Personal Consumer Issues
Topic: Car did not start: To dispose? How?
Replies: 70
Views: 5466

Re: Easy careers to last me to retirement?

Long haul truck driver would beat construction grunt in both pay and job.
by hicabob
Sun Jul 06, 2014 8:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 92
Views: 13470

Re: Dining table

If you like solid wood and modern clean style "room and board" has really beautiful stuff - not ikea type prices though - I've had one of their desks for years - 1+ inch solid walnut top, steel frame - I still love it and I expect it will be being used in 100 years. http://www.roomandboard...
by hicabob
Sun Jul 06, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Dining table
Replies: 20
Views: 1460

Re: Relative use my address to start business?

Two other risks to being a registered agent for someone else, using your home address: 1) Both your name and the company name will show up in some public databases and on the internet with your home address. 2) You may receive correspondence that mixes your name and the company's. The one I got was...
by hicabob
Sat Jul 05, 2014 12:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relative use my address to start business?
Replies: 13
Views: 1336

Re: Time to buy a tv or wait 2 years?

OLED (organic led) screens are by far the best displays currently available - blackest black, fastest response, best color gamut but a 55" TV is currently $4999. I expect the prices will come out of the stratosphere quite quickly. I hope you are right, my fear is OLED is not going to catch on ...
by hicabob
Sat Jul 05, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: Time to buy a tv or wait 2 years?
Replies: 66
Views: 5683

Re: I Hit My Number Today!

I think people without traditional pensions tend to be more "the number" oriented than those with because they have to provide their own pension. But wouldn't they prefer a larger self-provided pension than a smaller one? I always like more; I guess I am greedy that way. Yeah, but people ...
by hicabob
Thu Jul 03, 2014 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3288

Re: I Hit My Number Today!

Have you moved it yet? I think there was a previous thread about what to do when you hit your number, and my recollection is that moving it was high on the list. I have never had a number, so I can't speak about one, but I know I am never going to stop trying to increase whatever one uses to hit it...
by hicabob
Thu Jul 03, 2014 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3288

Re: I Hit My Number Today!

Congrats! Selling a small business quite an interesting project if you decide to do so. From valuation to marketing to the final contracts - all good stuff once done.
by hicabob
Thu Jul 03, 2014 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3288

Re: Time to buy a tv or wait 2 years?

OLED (organic led) screens are by far the best displays currently available - blackest black, fastest response, best color gamut but a 55" TV is currently $4999. I expect the prices will come out of the stratosphere quite quickly.
by hicabob
Thu Jul 03, 2014 5:35 pm
 
Forum: Personal Consumer Issues
Topic: Time to buy a tv or wait 2 years?
Replies: 66
Views: 5683

Re: Best website for airfare?

On Kayak.com press the "MORE" tab then "EXPLORE".
by hicabob
Thu Jul 03, 2014 11:06 am
 
Forum: Personal Consumer Issues
Topic: Best website for airfare?
Replies: 20
Views: 2826

Re: In retirement you expect you standard of living to?

recently retired - I'm practicing being less frugal
by hicabob
Thu Jul 03, 2014 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: In retirement you expect your standard of living to?
Replies: 55
Views: 4506

Re: Hitting "The Number" too early

It is surprisingly easy to lose "the number". Personally I hit it twice and lost it prior to the last iteration. So far so good but that is why I'm now a boglehead.
by hicabob
Tue Jul 01, 2014 10:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hitting "The Number" too early
Replies: 49
Views: 5366

Re: O Canada! Questions about traveling to Canada :-)

Be sure to look up a good place for poutine, Canada's most significant contribution to the culinary arts. Not for the faint-hearted but when done well - it is memorable.
by hicabob
Tue Jul 01, 2014 8:57 pm
 
Forum: Personal Consumer Issues
Topic: O Canada! Questions about traveling to Canada :-)
Replies: 28
Views: 2608

Re: How much to retire

This is a decently written article discussing the "4% rule" and "how much do I need?"
http://www.mrmoneymustache.com/2012/05/ ... etirement/
by hicabob
Sun Jun 29, 2014 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much to retire
Replies: 21
Views: 2919

Re: Please help us decide where to live

SDF, back in your original post, you gave a substantial list of places you've previously lived. Charlottesville, Virginia, was on that list--but it's not among the places you're actively considering now for your next move. Charlottesville is on our own list of places for consideration: major univer...
by hicabob
Fri Jun 27, 2014 10:34 pm
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 7800

Re: Best credit card for small business

I found it's much better to use a personal card dedicated to business use (to keep expenses easy to figure) . The "business" cards have less consumer protection apparently. I think if you are paying for lunch the other party doesn't care if it's amex or visa - besides many places don't tak...
by hicabob
Thu Jun 26, 2014 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best credit card for small business
Replies: 1
Views: 137

Re: How do you afford to travel?

This isn't money related at all - you have an aversion to flying. Some people do not like to leave their nest, others cherish it. Try it - if you truly don't like to travel, spend more $ locally or on your home. Flying is statistically the safest way to travel. Bogleheads like stats, right? Index v...
by hicabob
Thu Jun 26, 2014 11:56 am
 
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 68
Views: 6182

Re: How do you afford to travel?

For interesting destinations at a good price go to Kayak.com - then the MORE tab - then EXPLORE
- there are some good deals out there if you have some flexibility
by hicabob
Thu Jun 26, 2014 11:04 am
 
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 68
Views: 6182

Re: Retirement age for software engineers

I work with quite a few software engineers. I don't have a background in software, but I taught myself programming and lately I've been mostly doing that at my job. Our company is filled with lifers. Sadly, most of them are absolutely worthless. Has nothing to do with age. They have just not kept t...
by hicabob
Tue Jun 24, 2014 7:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9402

Re: Retirement age for software engineers

I was laid off with a nice package 8 years ago at 49 when the place I worked for moved engineering offshore. It was a nice home-office job paying 200k/yr with the closest "boss" 2500 miles away. Not wanting to be an old cubicle code-monkey in Silicon Valley I started my own business to com...
by hicabob
Tue Jun 24, 2014 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9402

Re: Gambling cheats

InvestorNewb: I had a close acquaintance (now deceased) who told me that once or twice a year he would go into casinos with large amounts of money given to him by gamblers to bet on Roulette. According to my acquaintance (I'd never call him a friend), the gamblers would send "counters" to...
by hicabob
Mon Jun 23, 2014 8:49 pm
 
Forum: Personal Consumer Issues
Topic: Help devising winning roulette system
Replies: 72
Views: 3088

Re: Anyone own a Land Rover LR2?

The Prince of Darkness strikes perhaps, but the LR Evoque does have an interesting look in a Mad Max kind of way. https://www.google.com/search?q=images+evoque+range+rover&rlz=1C1GGGE_enUS464US489&espv=2&tbm=isch&tbo=u&source=univ&sa=X&ei=ncSoU9nSOpfeoAS46YDADA&ved=0C...
by hicabob
Mon Jun 23, 2014 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Anyone own a Land Rover LR2?
Replies: 7
Views: 639

Re: Help devising winning roulette system

In the world of gambling NO ONE has EVER successfully become a "professional" roulette player or a "professional" craps player. I define this as making your living over a number of years by only playing these games. You CANNOT overcome the negative expected return in these games...
by hicabob
Mon Jun 23, 2014 7:05 pm
 
Forum: Personal Consumer Issues
Topic: Help devising winning roulette system
Replies: 72
Views: 3088

Re: Help devising winning roulette system

There is a older but classic book titled "Beat The Dealer" by Dr Thorpe that is a fun read for those with an interest in gaming and statistics. He was the MIT professor who made the casinos change their blackjack rules.
by hicabob
Mon Jun 23, 2014 3:54 pm
 
Forum: Personal Consumer Issues
Topic: Help devising winning roulette system
Replies: 72
Views: 3088

Re: Help devising winning roulette system

It won't work - a roulette table has an advantage for the house no matter what bet you place and the "Martingale System" fails when you run out of $$ or hit the table limit.
Remember from basic statistics - previous spins have zero effect on future spins - that is the table has no memory.
by hicabob
Mon Jun 23, 2014 3:28 pm
 
Forum: Personal Consumer Issues
Topic: Help devising winning roulette system
Replies: 72
Views: 3088

Re: Retired Bogleheads want to relocate to California

How come there's no bugs in SoCal? We stay there with family occasionally, and they just leave the windows open all day long with that nice breeze from the ocean coming in (they live about 3-4 blocks away). Mosquitos would be all over you if you tried that in Florida. No rain for 6-7 months in the ...
by hicabob
Mon Jun 23, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 6816

Re: A day in Dachau?

My German associates told me not to bother when I suggested going there a few years back. We went to a biergarten instead.
by hicabob
Mon Jun 23, 2014 12:09 pm
 
Forum: Personal Consumer Issues
Topic: A day in Dachau?
Replies: 38
Views: 2743

Re: Retired Bogleheads want to relocate to California

SLO is at the top of my list as a place to retire in 25 years. Weather is great, close to the coast, cultural events at the university and an easy drive to Paso Robles/Santa Barbara County wineries. It's easier for us living in California already since our current home is worth roughly the same as ...
by hicabob
Sun Jun 22, 2014 5:18 pm
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 6816

Re: Washing Machine Lint Traps/Filters

First I've heard of that after having many septic tank houses for most of my life - the micron level filter would get clogged really quickly - I bet you would have to clean it each time. The old washing machines used to have "lint filters" back in the day.
by hicabob
Sat Jun 21, 2014 7:48 pm
 
Forum: Personal Consumer Issues
Topic: Washing Machine Lint Traps/Filters
Replies: 24
Views: 1650

Re: flipping real estate infomercial work?

There was a wonderful article in The New York Times Magazine a few years ago that profiled one of these late-night informercial real estate gurus: "Russ Whitney Wants You To Be Rich." http://www.nytimes.com/2007/03/18/realestate/keymagazine/318RUSS.t.html?pagewanted=all&_r=0 It's a fa...
by hicabob
Fri Jun 20, 2014 6:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: flipping real estate infomercial work?
Replies: 20
Views: 1579

Re: flipping real estate infomercial work?

bogleblitz wrote:I

I understand flipping real estate can work but these infomercial make it sound so easy.


The infomercials are selling seminars or programs, not the actual real estate. Of course they make it sound easy.
by hicabob
Fri Jun 20, 2014 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: flipping real estate infomercial work?
Replies: 20
Views: 1579

Re: flipping real estate infomercial work?

The "flipping vegas" associated "seminars" etc are a total scam. I sort of enjoy scam research so (don't tell anyone!) I actually went to one with my kid :P for fun and to play our little "spot the scam" game. It was quite outrageous - they first try to get the "do...
by hicabob
Fri Jun 20, 2014 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: flipping real estate infomercial work?
Replies: 20
Views: 1579

Re: TDA admits routing orders to....

When trading with td I have almost never quite received the low of the day - if you watch the real-time trading it seems that it has to go 1 cent either way before the order gets filled. I seem to remember once getting the low-of-the-day from td though. I think that's reasonable and could be argued ...
by hicabob
Wed Jun 18, 2014 9:03 pm
 
Forum: Investing - Theory, News & General
Topic: TDA admits routing orders to....
Replies: 13
Views: 1090

Re: when the rubber hits the road

Great question. This is EASILY the most important worry I personally have when I age. I agree with needing to address Durable Power of Attorneys pronto. On the finance side: If you have someone you trust and can "run the show" in the near future and beyond then great. Start talking to him...
by hicabob
Wed Jun 18, 2014 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: when the rubber hits the road
Replies: 19
Views: 1836

Re: Self Coverage in the Absense of Long Term Care Ins.

Recommendation from Clark Howard is as follows ... "3) You should not buy LTC insurance if you are very wealthy or very poor. "Very wealthy" would be having investable assets of $3 million to $4 million. And "very poor" would mean qualifying for Medicaid." http://www.cl...
by hicabob
Fri Jun 13, 2014 5:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Self Coverage in the Absense of Long Term Care Ins.
Replies: 13
Views: 1111

Re: Roll Call for the Retirement Class of 2014!

Jan 14, 2014 @ 57. more than "Enough" was realized - both in terms of work bs and funding. I'm still in the process of figuring out the retirement out though. So far so good but I must admit to a "few months of sloth". So, Bob, did you retire on 1/14/14--or still working on the ...
by hicabob
Thu Jun 12, 2014 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roll Call for the Retirement Class of 2014!
Replies: 154
Views: 13551

Re: Roll Call for the Retirement Class of 2014!

Jan 14, 2014 @ 57. more than "Enough" was realized - both in terms of work bs and funding. I'm still in the process of figuring out the retirement out though. So far so good but I must admit to a "few months of sloth".
by hicabob
Thu Jun 12, 2014 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roll Call for the Retirement Class of 2014!
Replies: 154
Views: 13551

GoPro ipo

not very bogleheady but sort of interesting .... "To all of you who share this sentiment and are fans of GoPro, at our request, the underwriters of our initial public offering have reserved up to 1.5% of the Class A common stock to be offered through the LOYAL3 platform, at the initial public o...
by hicabob
Wed Jun 11, 2014 6:21 pm
 
Forum: Investing - Theory, News & General
Topic: GoPro ipo
Replies: 0
Views: 300

Re: PANIC! 101

" His shocking forecast is based on a new alarming pattern he’s identified — he’s calling it “a dreaded triple top” " That's pretty good - a "new alarming pattern" - yet already "dreaded"! I'm more worried about the possibly impending "petrifying quadruple top"...
by hicabob
Wed Jun 11, 2014 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: Panic! 101
Replies: 40
Views: 3604

Re: Should I add a detached garage?(resale value)

WhyNotUs wrote:As others have said, if you are moving, buy one of those frame tent storage structures and you can take it with you.


Those things are horrendously ugly though and have the potential of upsetting neighbors - I'm kind of surprised they are allowed by zoning in otherwise fairly decent neighborhoods.
by hicabob
Wed Jun 11, 2014 9:49 am
 
Forum: Personal Consumer Issues
Topic: Should I add a detached garage?(resale value)
Replies: 24
Views: 1376

Re: How To Encourage A Young (Sensitive) Child In Sports

As improbable as it sounds when talking to the soccer Moms and Dads whose 8 yo kids are all set to be on the future US Olympic team, 50% of kids will be worse than average at team sports. and perhaps 10% of kids will be really bad at them. We were not all born with fast reflexes, high percentage of ...
by hicabob
Mon Jun 09, 2014 1:38 pm
 
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 5439

Re: Dow going to continue up?

With respect to (8) 49% of people in the US get "government benefits" so that number should be about 151 million as of the last census.
by hicabob
Mon Jun 09, 2014 10:33 am
 
Forum: Investing - Theory, News & General
Topic: Dow going to continue up?
Replies: 22
Views: 1631

Re: New Happy-in-Retirement Book

The lexus(owned by happy retirees) vs bmw(owned by unhappy retirees) thing seems a little silly. I wonder if he owns part of a lexus dealership?
by hicabob
Sun Jun 08, 2014 12:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Happy-in-Retirement Book
Replies: 10
Views: 1289

Re: Expense ratio? How much difference does it make?

Is it true that a relatively small portfolio for someone just starting out saving for retirement that expense ratios don't matter as much in their early years? For someone with a $100k portfolio, it's $1k in fees at a 1% er, which doesn't seem too bad at the onset. It does indeed matter - assuming ...
by hicabob
Sat Jun 07, 2014 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expense ratio? How much difference does it make?
Replies: 25
Views: 1798
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