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Re: How much is a safe car worth?

http://www.usatoday.com/story/money/cars/2015/01/30/iihs-9-car-models-safest/22571299/ Poking around with the numbers a little it seems that the safest cars cost about $13k/yr to own and operate (new then sold in 5 yrs) and the cheapest about $6k/yr. You have about a 1 in 20000 chance per year of dy...
by hicabob
Sun Feb 01, 2015 11:44 am
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 55
Views: 1419

Re: Inflation-adjusted SPIA annuity

A quote from Vanguard would seem like a good data point to get.

https://investor.vanguard.com/annuity/fixed
by hicabob
Sat Jan 31, 2015 5:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inflation-adjusted SPIA annuity
Replies: 4
Views: 279

Re: What is your BMI?

livesoft wrote:Here is a nice discussion of BMI, muscles, and Tour de France participants: http://www.bbc.com/news/magazine-28363129
I'm back down to my Tour de France BMI. :)



Yup - legs like these add some M in the formula.

[Image removed by admin LadyGeek]
by hicabob
Thu Jan 29, 2015 8:00 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: What is your BMI?
Replies: 28
Views: 1895

Re: 400ft Driveway - How do I plow the snow?

Sadly, Gravely was bought out by Ariens several years ago and the quality has gone done. Don't think they even make the two wheel multi-attachment walk-behinds any more. That's sad - I have put my time in behind a walk-behind as a kid. The style is still popular in developing countries. You can alw...
by hicabob
Thu Jan 29, 2015 2:41 pm
 
Forum: Personal Consumer Issues
Topic: 400ft Driveway - How do I plow the snow?
Replies: 66
Views: 4970

Re: What is your BMI?

Despite significant exercise 3-4x/week I come in at 28 (but I can still bench my own weight and do a few pull-ups so there's that). I blame the Boglehead Beer thread for the excess calories. :annoyed
by hicabob
Thu Jan 29, 2015 1:08 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: What is your BMI?
Replies: 28
Views: 1895

Re: cvt transmissions

I have a 2009 Nissan Sentra with CVT and have had no problems with it at all. Only issue is some of the normal service intervals seemed more expensive than I expected and the dealership said it was because of whatever normal CVT service they did was more involved. But it has been very reliable and ...
by hicabob
Thu Jan 29, 2015 10:50 am
 
Forum: Personal Consumer Issues
Topic: cvt transmissions
Replies: 45
Views: 2585

Re: cvt transmissions

Has anybody noticed that they get less engine breaking with a CVT when they take their foot off the accelerator pedal? Quite the contrary - Nissan Sentra has incredible "cvt braking" - I've read they even cut the gas flow completely under those conditions which would make sense. My kids 2...
by hicabob
Thu Jan 29, 2015 10:47 am
 
Forum: Personal Consumer Issues
Topic: cvt transmissions
Replies: 45
Views: 2585

Re: What do you drive, and why?

Me - 2001 Honda Odyssey - 257,000 miles. I will replace it when something major goes wrong. It's rusting out, but just will not die. Teenage kids - 1998 Subaru Outback - 212,000 miles. Wife - 2012 Hyundai Elantra - 60,000 miles. Why? They are all safe and reliable and serve a specific need, I guess...
by hicabob
Wed Jan 28, 2015 7:01 pm
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 205
Views: 17377

Re: What age did you move out?

16/17. Seemed like a good idea. Lots of kids family.
by hicabob
Tue Jan 27, 2015 10:01 pm
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 4901

Re: Iceland

And don't forget to visit the last MCD's cheeseburger sold in Iceland (mcdonalds gave up there in 2009) :shock:
http://i.imgur.com/T4NC4kf.jpg
by hicabob
Tue Jan 27, 2015 5:36 pm
 
Forum: Personal Consumer Issues
Topic: Iceland
Replies: 15
Views: 1313

Re: Ketogenic Diet anyone?

The Twinkie diet seems remarkably effective too ...

http://www.cnn.com/2010/HEALTH/11/08/tw ... professor/
by hicabob
Tue Jan 27, 2015 9:54 am
 
Forum: Personal Consumer Issues
Topic: Ketogenic Diet anyone?
Replies: 22
Views: 1157

Re: Time to stop driving for 85 yo MIL

At this point, she has no car, hers is in a body shop, maybe totaled, not sure. Hopefully an eye and hearing medical result alone will cause her to fail. I personally would not want to get in the car and give her a driver's test, if I was a state employee There are usually no restrictions related t...
by hicabob
Mon Jan 26, 2015 11:16 am
 
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 69
Views: 3696

Re: Drinking water

At the house I grew up in, the tap water was foul. Worst I've tasted anywhere on the planet. I think it was due to high calcium content; not sure. In any case, it was unpleasant even to brush your teeth with it. So my parents bought bottled water for 40+ years. All of the water we drank, plus the w...
by hicabob
Mon Jan 26, 2015 10:50 am
 
Forum: Personal Consumer Issues
Topic: Drinking water
Replies: 45
Views: 3020

Re: MediCare and ? What are your out of pocket costs please.

Mel Lindauer wrote:IMO, you should plan for all in costs of around $1000 per month or $10-$12000 per year.



That's about the same number for a pre-medicare self-insured person 55-65 buying non-subsidized ACA and using some deductible too so perhaps a nice rule of thumb for retirement.
by hicabob
Sun Jan 25, 2015 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: MediCare and ? What are your out of pocket costs please.
Replies: 23
Views: 1986

Re: Time to stop driving for 85 yo MIL

A person I used to work with had to stop driving in his late sixties due to Parkinson's. He was starting to hit stuff and thought it was a steering problem with the car. The mechanic said the car was fine but the driver ended up with a Parkinson's diagnosis. He said the bad driving was due to his ne...
by hicabob
Sun Jan 25, 2015 6:56 pm
 
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 69
Views: 3696

Re: Drinking water

A reverse osmosis system is the ultimate but requires a little installation work.

I buy equipment and replacement filters/membranes from these guys

http://theh2oguru.com/
by hicabob
Sun Jan 25, 2015 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Drinking water
Replies: 45
Views: 3020

Re: Reliability of LED televisions?

LCD displays usually go for about 50,000 hours MTBF (mean time between failure) which is a huge amount of time. (25 years of "full time" TV watching?) . Much better than the old crt's.
by hicabob
Sun Jan 25, 2015 11:36 am
 
Forum: Personal Consumer Issues
Topic: Reliability of LED televisions?
Replies: 18
Views: 1226

Re: Is it worth it to buy a condo vs a house.

What are the monthly HOA fees, insurance and taxes?
by hicabob
Fri Jan 23, 2015 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Is it worth it to buy a condo vs a house.
Replies: 25
Views: 2629

Re: Anti-theft Fire Waterproof Safe

First Alerts have mounting holes for bolting to whatever

http://www.amazon.com/First-Alert-2077D ... uctDetails
by hicabob
Fri Jan 23, 2015 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Anti-theft Fire Waterproof Safe
Replies: 16
Views: 1990

Re: Land - Me or my Neighbor

thanks for the replies and additional information. I don't know if the neighbor knows I am maintaining it. I never see them over there. they may not even really know its their property as they have lived there since 1978. We have lived here since 1982 and have maintained it the entire time. If that...
by hicabob
Mon Jan 19, 2015 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Land - Me or my Neighbor
Replies: 44
Views: 3428

Re: Survey - Men Who Exercise At a Gym

Nothing worse in the gym than being next to "the smelly person" on cardio equipment. I try not to be him.
by hicabob
Sat Jan 17, 2015 6:08 pm
 
Forum: Personal Consumer Issues
Topic: Survey - Men Who Exercise At a Gym
Replies: 23
Views: 2633

Re: Eliminating the "Face Palm" Icon

I'd like to suggest eliminating the Face Palm symbol from the available smilies. The reason: I think people use it as a short hand "Ad hominem" substitute for providing a reasoned argument to refute another's premise. I think most that use it are simply trying to "Win" an argume...
by hicabob
Fri Jan 16, 2015 5:32 pm
 
Forum: Forum Issues and Administration
Topic: Eliminating the "Face Palm" Icon
Replies: 33
Views: 2061

Re: HELP!!! with run amok investment board!

You would have thought if they felt that strongly about Mr Gross, they would have followed "The Bond King" to Janus as many others did.
by hicabob
Thu Jan 15, 2015 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3682

Re: Water Softner for Single Faucet

I've seen car aficionados use these which filter and soften ...
http://www.autogeek.net/waterfilterkit2.html
by hicabob
Thu Jan 15, 2015 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Water Softner for Single Faucet
Replies: 6
Views: 611

Re: Retirees: Do you work part-time for pay?

Retired a year, I have more $$ than I need but I started doing some work to support an old client who was always one of my favorites. It's enjoyable, lucrative, stimulating and provides travel opportunities to a very nice part of the world so it works for me.
by hicabob
Thu Jan 15, 2015 10:55 am
 
Forum: Personal Consumer Issues
Topic: Retirees: Do you work part-time for pay?
Replies: 58
Views: 4945

Re: SoCal City Recommendations Young Family

city-data is a website that's incredibly useful for "looking" at various towns. It shows the rich areas, poor areas, crime rates, income levels, demographics etc. often down to street level. I'd bet they get their incredible amounts of data from the census and it's well presented. Here's l...
by hicabob
Tue Jan 13, 2015 6:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: SoCal City Recommendations Young Family
Replies: 29
Views: 2246

Re: POLL: Homeowners Ins cost $/month per $100k home value?

However the insurance company also requires an alarm to insure at this price. The alarm is an additional $600/year. Without an alarm, Safeco wouldn't insure me at all. The closest competitor that would insure with no alarm, Mercury, was about $2400/year. This is roughly the same price altogether as...
by hicabob
Tue Jan 13, 2015 6:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Homeowners Ins cost $/month per $100k home value?
Replies: 42
Views: 3141

Re: POLL: Homeowners Ins cost $/month per $100k home value?

It was $1428/yr for a 1.2M house (land worth about 50% of that) in a higher risk fire area 3 miles from the fire-station, no real hydrants nearby. I have bogleheaded them down to $871/yr assuming the upcoming inspection visit on Friday is satisfactory.
by hicabob
Tue Jan 13, 2015 6:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Homeowners Ins cost $/month per $100k home value?
Replies: 42
Views: 3141

Re: Mice in the house

Use Victor snap traps w/ peanut butter. Much cheaper, more humane and more effective. Glue traps are horrible
by hicabob
Sat Jan 10, 2015 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 5117

Re: Help me to understand time shares

I have a timeshare in San Francisco. Been going there for over 35 years. Now, it's an annual event for us and our SF friends to get together. We've enjoyed having a very nice place to stay, and the nudge of Use it or Lose it. When you can purchase from another owner rather than the developer, it is...
by hicabob
Fri Jan 09, 2015 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Help me to understand time shares
Replies: 58
Views: 5383

Re: Is my HVAC (heat pump) really dead?

P.S. be prepared for the home warranty company to just replace the heat strips versus replace the whole unit if that is the only issue. I am wondering about this. But it seems pretty stupid to replace heat strips on a 20 year old air handler that leans substantially. I hope that they realize this h...
by hicabob
Thu Jan 08, 2015 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Is my HVAC (heat pump) really dead?
Replies: 54
Views: 3059

Re: Self-driving cars a threat to Buffett's empire

It may be quite some time before self driving cars start to dominate. There are difficult unresolved problems.
http://www.digitaltrends.com/cars/googl ... king-lots/
by hicabob
Wed Jan 07, 2015 6:43 pm
 
Forum: Investing - Theory, News & General
Topic: Self-driving cars a threat to Buffett's empire
Replies: 24
Views: 1998

Re: Transcendental meditation

in_reality wrote:
Then there is fly fishing! Can't say which is better... Maybe do both!



And the simpler version of fly fishing - Tenkara

http://www.tenkarausa.com/

I've not tried it yet but seems interesting
by hicabob
Tue Jan 06, 2015 8:29 pm
 
Forum: Personal Consumer Issues
Topic: Transcendental meditation
Replies: 38
Views: 2298

Re: Transcendental meditation

I remember that after the "flying" thing, TM became even less reputable.
http://skepdic.com/tm.html
by hicabob
Tue Jan 06, 2015 7:40 pm
 
Forum: Personal Consumer Issues
Topic: Transcendental meditation
Replies: 38
Views: 2298

Re: Dodge & Cox closes International Fund

Fund is not closed own, just closed to new investors.
by hicabob
Tue Jan 06, 2015 9:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Dodge & Cox closes International Fund to new investors
Replies: 2
Views: 466

Re: Inflatable hot tub

Even if it only lasts a couple years, $500 is a bargain to see if you really do want one.
by hicabob
Mon Jan 05, 2015 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Inflatable hot tub
Replies: 10
Views: 1455

Re: Cancelled flight - Mechanical issues

This has been my recent experience with Delta and USAirways/American. They will not put you on another airline. Maybe if you have some kind of "Chairman Super Double Gold Medallion" frequent flyer status, but I still doubt it. Had to sit at Charlotte for 10 hours when I could have been pu...
by hicabob
Sat Jan 03, 2015 10:24 am
 
Forum: Personal Consumer Issues
Topic: Cancelled flight - Mechanical issues
Replies: 12
Views: 2499

Re: How to value travel with a job offer

I've worked in places where people who travel get 50% to 100% more compensation than those with same skills who do not .The travel was technical equipment repair and at least 50% of the time on the road. All expenses were covered via a company credit card. For most people the constant travel gets ol...
by hicabob
Fri Jan 02, 2015 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to value travel with a job offer
Replies: 26
Views: 1571

Re: Net Worth Survey, 2015 Edition

Classifying monies from sale of a company as a "windfall", the same category as inheritance or lottery winnings, seems not quite right.
by hicabob
Fri Jan 02, 2015 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 135
Views: 22485

Amazon tax refund bonus offer

Amazon is again offering their "up to 10% bonus of your refund as an amazon gift card" (they add 10%, catch is you have to spend it at Amazon)) refund bonus for prime members who purchase t-tax through Amazon. I did this last year to the tune of a few hundred dollars. If you frequent Amazo...
by hicabob
Wed Dec 31, 2014 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amazon tax refund bonus offer
Replies: 6
Views: 1728

Re: Building a Home/New Technology

The "modular construction" concept is taking off in many areas of the US and seems to result in a cost-effective, tight, well designed house for the $$$.

such as ...
http://www.genhouse.com/products/
by hicabob
Wed Dec 31, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Building a Home/New Technology
Replies: 46
Views: 3861

Re: How to make more money?

I think you may be not fully appreciating the difference in cost of living. $200k may very well have less purchasing power than $100k in many other places. Housing cost are very high in the Bay Area. It is commonplace for small homes to be listed for sale above $1 million. Rents are shockingly high...
by hicabob
Wed Dec 31, 2014 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to make more money?
Replies: 53
Views: 5554

Re: What Car is Best?

VW golf is the world's #1 car by number built (easily).
by hicabob
Wed Dec 31, 2014 11:12 am
 
Forum: Personal Consumer Issues
Topic: What Car is Best?
Replies: 73
Views: 6276

Re: UPRO Proshares S&P ETF 3-4x return of S&P?

proshares is a reputable company and leveraged funds are great when things are going up. UCO (leveraged oil) is tempting me these days but my inner boglehead says not so fast.
by hicabob
Tue Dec 30, 2014 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: UPRO Proshares S&P ETF 3-4x return of S&P?
Replies: 6
Views: 420

Re: How have elderly parents affected your retirement?

Is there any way of considering moving your parent(s) to a place that is within their financial means which still provides appropriate care for them? There is a significant range of options in most states, with a wide range of prices. It is fortunate that there is LTC insurance, that provides some ...
by hicabob
Tue Dec 30, 2014 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: How have elderly parents affected your retirement?
Replies: 13
Views: 1532

Re: Is a Feit LED bulb safe in enclosed area?

Thanks, everyone. One issue we just realized after reading comments on the link I provided is the Feit LED bulb would be too dim to navigate. Back to the drawing board. :? A 1 watt led will produce more lumens than a 4 watt incandescent bulb and 1 watt of heat is close enough to zero that you won't...
by hicabob
Sat Dec 27, 2014 12:36 pm
 
Forum: Personal Consumer Issues
Topic: Is a Feit LED bulb safe in enclosed area?
Replies: 11
Views: 1226

Re: husband with bi-polar condition spending lots of $

Although it takes a bigger person to do it, support and care is often better long-term than abandonment in some situations.
by hicabob
Sat Dec 20, 2014 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: husband with bi-polar condition spending lots of $
Replies: 18
Views: 4002

Re: husband with bi-polar condition spending lots of $

Take away the credit card and checks and get meds adjusted (or started) perhaps? My dad was a shrink who had similar patient when I was a kid. Guy bought 5 new cars, including one for my Dad. Pop got the dealer to take them all back.
by hicabob
Sat Dec 20, 2014 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: husband with bi-polar condition spending lots of $
Replies: 18
Views: 4002

Re: Gas Prices ($1.99) in North Texas

2.459 here. Cheapest in a decade or so. Makes me tempted to buy that V8 - last chance perhaps? If you really want one, I think you might as well do it within the next few years, regardless of gas prices. With the ever-increasing federal fuel economy requirements, they will probably be de facto outl...
by hicabob
Fri Dec 19, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: Gas Prices ($1.99) in North Texas
Replies: 45
Views: 3112

Re: Gas Prices ($1.99) in North Texas

2.459 here. Cheapest in a decade or so. Makes me tempted to buy that V8 - last chance perhaps?
by hicabob
Thu Dec 18, 2014 8:57 pm
 
Forum: Personal Consumer Issues
Topic: Gas Prices ($1.99) in North Texas
Replies: 45
Views: 3112
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