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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: 7
Views: 314

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: 124
Views: 8749

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: 22
Views: 1772

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: 4079

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: 676

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: 719

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: 34
Views: 2127

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: 5414

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: 5414

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: 2111

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: 947

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: 905

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: 147
Views: 8565

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: 900

Re: Accountant Cost When Taxes Done During Meeting

The fee is low as far as I'm concerned, but I'm in the tax prep business so I have a vested interest in saying that. The $398 would be high for someone who spent 40 minutes cleaning your gutters, but that isn't what you are paying for in this case. You are paying your proportional share of the cost...
by hicabob
Wed Feb 18, 2015 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Accountant Cost When Taxes Done During Meeting
Replies: 19
Views: 1447

Re: A Special Message From Social Security

same email here this am. I expect it's sent to everyone that has signed up for the online SS records access.
by hicabob
Tue Feb 17, 2015 2:10 pm
 
Forum: Personal Consumer Issues
Topic: A Special Message From Social Security
Replies: 68
Views: 6164

Re: COMPOUNDING 101-WITH KITTENS

My cuz, a DVM, told me farm kittens tend to compound in number nicely then most of them die off suddenly from some cat disease ... then the process starts over. Spay those kittens!
by hicabob
Mon Feb 16, 2015 3:13 pm
 
Forum: Investing - Theory, News & General
Topic: Compounding 101-With Kittens
Replies: 8
Views: 1189

Re: Pfau: Four Risks of Retirement Income

What is missing, I thought, was an inflation-adjusted longevity annuity (pay now, start payments later). And if so, would the inflation adjustment include the "waiting period' as well as the subsequent distribution period. RM I would expect that anyone with the planning wherewithal to contempl...
by hicabob
Mon Feb 16, 2015 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: Pfau: Four Risks of Retirement Income
Replies: 31
Views: 4320

Re: Pfau: Four Risks of Retirement Income

this paragraph got my attention ... "Of the 17 developed countries Pfau studied, only four would have been able to sustain a safe withdrawal rate of 4% in the 20th century (Canada, Sweden, Denmark and the United States). Seven countries could have sustained withdrawals of 3%, only one with 2%, ...
by hicabob
Sun Feb 15, 2015 7:23 pm
 
Forum: Investing - Theory, News & General
Topic: Pfau: Four Risks of Retirement Income
Replies: 31
Views: 4320

Re: Pfau: Four Risks of Retirement Income

A thought provoking paper, thanks.
by hicabob
Sun Feb 15, 2015 6:50 pm
 
Forum: Investing - Theory, News & General
Topic: Pfau: Four Risks of Retirement Income
Replies: 31
Views: 4320

Re: Does anyone like the new Toyota/Lexus grilles?

Grilles have gone downhill since Superfly

Image
by hicabob
Sun Feb 15, 2015 5:27 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 57
Views: 3223

Re: Buying As Is Home

I bought an as-is house with loose toilets before. Ended up redoing all 3 bathrooms. Loose toilets leak and wet wood doesn't stay sound for long. I knew I would have to do this since it was a single story house and I crawled through the crawlspace with the inspector and we poked around at the wood b...
by hicabob
Sun Feb 15, 2015 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Buying As Is Home
Replies: 27
Views: 2008

Re: Overfilled Oil in Car - Cause of Oil Leak?

Dipsticks are often not accurate. My truck, which is a 2.7l Tacoma, takes 6 quarts of oil aka the manual (actually 6.1 quarts but I put 6 in). The dipstick shows full at 5. Since I do my own changes I know exactly how much I am putting in. A cup of oil one way or the other won't make a difference wi...
by hicabob
Sat Feb 14, 2015 11:51 am
 
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 29
Views: 1555

Re: Food of the Fifties

How about this: Boil an unopened can of sweetened condensed milk for two hours (in water to cover) to make caramel sauce for your ice cream? Some of these posts make me drool, but some of them ... Look, there's a good reason canned fried onions and maraschino cherries are hard to find! L. Be very c...
by hicabob
Fri Feb 13, 2015 6:57 pm
 
Forum: Personal Consumer Issues
Topic: Food of the Fifties
Replies: 216
Views: 11175

Re: Cost of a car paint job?

Maaco or equivalent will paint it for as low as $400. They even cover the windows and wheels up before spraying it too! It will look ok from a distance and last a couple years. Not too bad if you have a beater.
by hicabob
Thu Feb 12, 2015 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Cost of a car paint job?
Replies: 19
Views: 1989

Re: Using listing agent as my buyer's agent

I did that once to have leverage to reduce the price by her lowering the commission. By being an aggressive negotiator I think I put her in an uncomfortable position a few times but it seemed to work out ok in the end.
by hicabob
Thu Feb 12, 2015 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using listing agent as my buyer's agent
Replies: 21
Views: 1389

Re: Bogglehead Career Advice

AZAttorney11 wrote:
furwut wrote:I've yet to meet an attorney who didn't express reservations on their career choice.


I don't have any reservations about my career as an attorney.



I know a couple young DA's who also seem to really enjoy their vocations.
by hicabob
Thu Feb 12, 2015 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogglehead Career Advice
Replies: 42
Views: 2808

Re: Tesla S

It appears TSLA stockholders have been subsidizing the Tesla owners purchase to a nice extent.


"'Our financials are better than they appear; not worse'" Cramer said, quoting Musk . "At the end of the day, Tesla lost $10,000 per car [last quarter]."
by hicabob
Thu Feb 12, 2015 1:01 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 610
Views: 73405

Re: Food of the Fifties

roymeo wrote:No one's mentioned the Gallery of Regrettable Food yet?
http://www.lileks.com/institute/gallery/



Some of those are too much! Makes you wonder if people will feel similar about our current food delicacies in 60 years or so? I expect so. Bacon weaving and poutine come to mind.
by hicabob
Wed Feb 11, 2015 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Food of the Fifties
Replies: 216
Views: 11175

Re: Wells Fargo Brokerage

Some of us use them because we get 100 free trades per year for having had more than 50k in WF at the appropriate time. Apparently they have since stopped offering this to new customers. The brokerage service is good and the on-line interface is good too. No complaints here.
by hicabob
Wed Feb 11, 2015 2:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo Brokerage
Replies: 15
Views: 1454

Re: Poll: Is MMM a force for good?

Advocating that people save as much as possible and live frugally so they can reduce their working hours as soon as possible would seem to be good for the person interested in doing so but bad for modern western society that would prefer said person works/pays taxes/consumes heavily. The percentage ...
by hicabob
Tue Feb 10, 2015 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Is MMM a force for good?
Replies: 34
Views: 2896

Re: Food of the Fifties

...Or a tongue sandwich... That's an interesting one. It's quite interesting how food choices drift over time probably as a result of price changes. In 1950s, tongue sandwiches were a perfectly common choice--or, at least, they were a common choice within a fifty-mile radius of New York City. Somew...
by hicabob
Tue Feb 10, 2015 2:20 pm
 
Forum: Personal Consumer Issues
Topic: Food of the Fifties
Replies: 216
Views: 11175

Re: Testing out of sample - UK historical data?

Yahoo finance has many stocks on the London exchange complete with historical data.

http://finance.yahoo.com/echarts?s=VTC.L+Interactive#
by hicabob
Sun Feb 08, 2015 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: Testing out of sample - UK historical data?
Replies: 9
Views: 556

This CPA is advocating snail-mail over e-file for taxes

- less likely to be audited
- less likely to be subject to identity theft

http://www.bizjournals.com/sanfrancisco ... ?ana=yahoo
by hicabob
Sat Feb 07, 2015 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: This CPA is advocating snail-mail over e-file for taxes
Replies: 55
Views: 3949

Re: Attic Insulation: benefit of only adding to part?

I agree w/ Adam that if you insulate x% (x<=100) it will be about x% as effective as if you insulate all of it. In my house I have 1 bathroom w/ minimal ceiling insulation and it gets significantly colder than the rest of the house which is well insulated..
by hicabob
Fri Feb 06, 2015 6:53 pm
 
Forum: Personal Consumer Issues
Topic: Attic Insulation: benefit of only adding to part?
Replies: 10
Views: 1099

Re: Approaching 50...What to expect?

"Playing the trombone." :D I'm 63 yo, and I've never heard that phrase. So true. I think I made it up. I've said it often enough over the years, but apparently it never got traction. Feel free to use it! No, regrettably, my optometrist uses it. He says I'm "tromboning" when I tr...
by hicabob
Tue Feb 03, 2015 8:35 pm
 
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 106
Views: 9440

Re: Approaching 50...What to expect?

Boy Scouts and little old ladies offer to help you cross the street. :P That has not happened, but even young middle age people use "Sir" more and more often when talking to me. Yup - Sir starts happening a lot, but worse too. When I was about 54 and taking an overnight flight to Australi...
by hicabob
Tue Feb 03, 2015 6:53 pm
 
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 106
Views: 9440

Re: How much is a safe car worth?

I saw this interesting relevant article comparing safety between Prius and Suburban ... "The Prius model years 2010 and 2011 are covered in the report and the Chevy Suburban model years 2008-2011. During this period, drivers of Chevy Suburbans were about four times more likely to die in a cras...
by hicabob
Tue Feb 03, 2015 6:22 pm
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 8993

Re: How much is a safe car worth?

I saw this interesting relevant article comparing safety between Prius and Suburban ... "The Prius model years 2010 and 2011 are covered in the report and the Chevy Suburban model years 2008-2011. During this period, drivers of Chevy Suburbans were about four times more likely to die in a crash...
by hicabob
Tue Feb 03, 2015 3:40 pm
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 8993

Re: Costco Vacation Packages

It's my current choice for rental cars. Always the best price. I have not used them for other services.
by hicabob
Tue Feb 03, 2015 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Costco Vacation Packages
Replies: 30
Views: 4830

Re: Approaching 50...What to expect?

The increase in the work required to maintain ones body surprised me, many men (from your monicker I assume you are male :happy ) tend to learn about their prostate around that time of life and remember to get that age-appropriate colonoscopy.
by hicabob
Mon Feb 02, 2015 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 106
Views: 9440

Re: Do retired Bogleheads have rising net assets?

jvclark02 wrote:Retired last year and assets still rising but trying to learn to spend more :oops:



Ditto - the learning to spend more part is surprisingly hard. My SWR turned out at a ridiculous 1% last year.
by hicabob
Mon Feb 02, 2015 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do retired Bogleheads have rising net assets?
Replies: 42
Views: 4441

Re: First Time Dog Owners -- Any Regrets?

They can certainly tie you down, but then so can kids. Usually not a good idea for "clean-freaks" either.
by hicabob
Mon Feb 02, 2015 2:35 pm
 
Forum: Personal Consumer Issues
Topic: First Time Dog Owners -- Any Regrets?
Replies: 83
Views: 5916

Re: How much is a safe car worth?

Playing devil's advocate: The odds of an individual dying in an automobile accident in the US over the course of your car's lifetime is extremely low. According to this link at Insurance Information Institute the lifetime odds of dying in an automobile accident are 1 in 491. For our family unit of ...
by hicabob
Mon Feb 02, 2015 10:58 am
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 8993

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: 170
Views: 8993

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: 9
Views: 1225

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: 2040

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: 67
Views: 5357

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: 2040
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