Search found 2471 matches

by hicabob
Tue Oct 17, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: Anyone who started a business what made you comfortable enough to take the chance?
Replies: 9
Views: 550

Re: Anyone who started a business what made you comfortable enough to take the chance?

I knew the specific industry inside out after working in it for 20 years. The company that bought the little but highly technical company I had worked for moved offshore so I was an unemployed 49yo software engineer and had a really nice termination package. I knew a couple other very good engineers...
by hicabob
Sun Oct 15, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 116
Views: 5393

Re: What are you driving? And would you buy your current ride again?

emoore wrote:
Sun Oct 15, 2017 12:51 pm
2011 VW GTI. Best car I've ever owned. Would purchase another one assuming there is a hybrid or EV options.
2016 GTI here. I love it - perhaps still the best "all-around" car out there for someone that wants a sporty, useful, comfortable, not ostentatious and moderately economical car.
by hicabob
Sun Oct 15, 2017 10:45 am
Forum: Investing - Theory, News & General
Topic: BitConnect [Cryptocurrency]
Replies: 10
Views: 737

Re: BitConnect [Cryptocurrency]

Curtailment wrote:
Sun Oct 15, 2017 10:40 am
There are plenty of legitimate cryptocurrencies
Why do you think some crypto's are "more legitimate" than the infinite amount of others that can be created?
by hicabob
Sat Oct 14, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 86
Views: 9259

Re: 2018 ACA costs arrived

rrppve wrote:
Sat Oct 14, 2017 12:07 pm
Give me a true major medical plan with a $25k-$100k deductible for $5k and I'll buy it.


That would be my ideal too! Pay for routine care out of pocket and if my deboxilator goes on the fritz requiring expensive care the insurance kicks in.
by hicabob
Fri Oct 13, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Anyone Ever Jackhammered a Concrete Patio?
Replies: 27
Views: 1546

Re: Anyone Ever Jackhammered a Concrete Patio?

I've broken up my share of concrete over the years thru various means. These Chinese demo hammers are great for the price and infinitely easier than sledge hammering well made concrete. https://www.amazon.com/XtremepowerUS-2200Watt-Electric-Demolition-Concrete/dp/B00IO3Z5MS/ref=sr_1_1?ie=UTF8&qid=15...
by hicabob
Fri Oct 13, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Reverse Osmosis Systems for Kitchen Sink
Replies: 22
Views: 919

Re: Reverse Osmosis Systems for Kitchen Sink

Many don't know that an RO system wastes about 4 gallons of water for every gallon purified. [/b] Not very "efficient"! 1:4 is very good for RO. I've read 1 purified to 10 waste is more typical. Higher water pressure before the membrane helps efficiency. I have my RO system arranged such that I can...
by hicabob
Wed Oct 11, 2017 7:28 pm
Forum: Investing - Theory, News & General
Topic: Offensive Valuations
Replies: 45
Views: 4057

Re: Offensive Valuations

F150HD wrote:
Wed Oct 11, 2017 6:53 pm
4. What is the alternative? 2% yielding bonds?
But if not stocks then what?
This is the $1000 question(s)
As Mr Bogle says. ... "Invest we must"
by hicabob
Tue Oct 10, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest thing you ever heard of to save money
Replies: 34
Views: 2554

Re: Cheapest thing you ever heard of to save money

My old biz partner would bring in his old socks for our assemblers to use as rags. We were raking in the $$ at the time too. It's good to have a cheapskate biz partner but he took it to an extreme.
by hicabob
Tue Oct 10, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 86
Views: 9259

2018 ACA costs arrived

I just received my 2018 cost estimates from Kaiser. For an unsubsidized bronze HSA plan - single male 61yo the insurance will be $700.42/month which is a 9.4% increase.
Not too bad I suppose. Anyone else have a data point?
by hicabob
Sun Oct 01, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: a $2000 pizza
Replies: 19
Views: 1780

Re: a $2000 pizza

reminds me of the infamous "Douche Burger" ...
"A New York City food truck is selling a $666 hamburger dubbed the “Douche Burger,” which contains lobster, caviar, truffles, and a beef patty wrapped in six sheets of gold leaf."
by hicabob
Fri Sep 29, 2017 6:41 pm
Forum: Investing - Theory, News & General
Topic: 3 stages of Financial Independence
Replies: 63
Views: 7005

Re: 3 stages of Financial Independence

wrongfunds wrote:
Fri Sep 29, 2017 12:04 pm
I claim that #3 has no practical limit and that implies nobody ever believes that they have reached #3 stage.

I feel like I am at a comfortable stage 3 now, but it took an "embarrassment of riches" to make it so.
by hicabob
Wed Sep 27, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: liability of selling used car
Replies: 14
Views: 1998

Re: liability of selling used car

Instead of listing all possible defects perhaps an "as is" in the bill of sale? That's what car dealers seem to use.
by hicabob
Sat Sep 23, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Barefoot/Minimalist Running
Replies: 54
Views: 3709

Re: Thoughts on Barefoot/Minimalist Running

Freakonomics had an interesting episode that discussed the subject ..
http://freakonomics.com/podcast/shoes/
by hicabob
Wed Sep 20, 2017 6:55 pm
Forum: Forum Issues and Administration
Topic: Why so many 'negative' responses?
Replies: 20
Views: 1893

Re: Why so many 'negative' responses?

I think that Bogleheads probably tend to be analytical type of people .They like to analyze stuff. After all, if personal finance is your hobby you are in a select group. Analytical folk tend to try to pick stuff apart to see if it holds - this could be perceived as negativity but I think it's just ...
by hicabob
Thu Sep 14, 2017 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited 401K - required minimum distributions or lump sum?
Replies: 9
Views: 918

Re: Inherited 401K - required minimum distributions or lump sum?

I've read a little about this since I have a good size IRA that may be inherited in the future. The advantage of the RMD approach for an inherited IRA is that you can do a lump sum at any time or just take the minimum and do intelligent tax planning. The financial press seems to love to bash inherit...
by hicabob
Wed Sep 13, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 7497

Re: Best Lower Cost USA Cities to Live

And now a large swath of hiking is ruined by wildfires (started by negligence of visitors). I thought those miscreant kids were locals, not far visitors but from just from across the river in Vancouver, which is just about as close to Multnomah Falls as Portland is if my recollection from visiting ...
by hicabob
Wed Sep 13, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 7497

Re: Best Lower Cost USA Cities to Live

Conversely the traffic is generally horrible-- which makes it hard to meet people, meet up with people, maintain friendships and relationships. And it must be quite lonely. There must be a sense that if you are not happy or fulfilled then there is something wrong with you. Community ties are perhap...
by hicabob
Wed Sep 13, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 7497

Re: Best Lower Cost USA Cities to Live

Conversely the traffic is generally horrible-- which makes it hard to meet people, meet up with people, maintain friendships and relationships. And it must be quite lonely. There must be a sense that if you are not happy or fulfilled then there is something wrong with you. Community ties are perhap...
by hicabob
Mon Sep 11, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Electric car in evacuation situation
Replies: 61
Views: 4199

Re: Electric car in evacuation situation

More and more gas cars nowadays have the option to stop the engine automatically when stopped then start up again when your foot is taken off the brake which would help in the hours of stop and go scenario. The Grand Cherokee I rented a couple weeks ago did this flawlessly.
by hicabob
Sun Sep 10, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: How to buy a Bitcoin?
Replies: 29
Views: 1792

Re: How to buy a Bitcoin?

I'm a bitcoin skeptic. There is too much exaggeration by enthusiasts, too many repeated cycles of assertions about bitcoin being falsified by events. But, let's suppose that I were convinced a) that cryptocurrency is a sure thing to be a hugely important technology in the future, b) that people are...
by hicabob
Sun Sep 10, 2017 10:10 am
Forum: Investing - Help with Personal Investments
Topic: How to buy a Bitcoin?
Replies: 29
Views: 1792

Re: How to buy a Bitcoin?

Stay away from coinbase.com as its high on fees... use gemini.com or Kraken for low fees and better user interface, its like the etrade / charles schwab of bitcoin exchanges. All 3 sources are very trustworthy. All you do is load money into your account and make a purchase. Very similar to stocks /...
by hicabob
Sat Sep 09, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46925

Re: Equifax customer information leak

I wonder what percent of consumers have frozen their credit? I froze mine years ago after a similar "hack". I tried googling for the approx. percentage with no luck. If a person has frozen credit are they no longer a revenue stream at all for the credit bureaus?
by hicabob
Mon Sep 04, 2017 12:05 pm
Forum: Investing - Theory, News & General
Topic: [Bitcoin] question
Replies: 125
Views: 8900

Re: [Bitcoin] question

CodeMaster wrote:
Mon Sep 04, 2017 11:53 am
China has banned it just now, but well seee how that plays out, its not first time they did it, its the third yet BTC are are record highs.

China banned ICO's not bitcoin. The ubiquity of BTC pumpers nowadays could very well be a danger sign.
by hicabob
Mon Sep 04, 2017 11:12 am
Forum: Investing - Theory, News & General
Topic: [Bitcoin] question
Replies: 125
Views: 8900

Re: [Bitcoin] question

I see China has banned "ICO's". (initial coin offerings). https://finance.yahoo.com/news/china-bans-initial-coin-offerings-073200447.html "In July, the state news agency Xinhua cited data from a government organization that monitors online financial activity to report that there had been 65 ICOs so ...
by hicabob
Sun Sep 03, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: Does anyone use Driving Shoes?
Replies: 40
Views: 4039

Re: Does anyone use Driving Shoes?

Try to avoid flipflops for driving. During my big corp worker days I had a fleet of 2000+ cars and trucks in my remit and we had a couple of nasty truck accidents caused by flipflops getting caught under some pedal or other. From that time on we banned all driving while wearing flipflops. They are ...
by hicabob
Wed Aug 30, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: [Bitcoin] question
Replies: 125
Views: 8900

Re: Bit Coin question

Interesting. Ive heard and seem to have seen various new sources saying governments may be preparing to adapt using crytocurrency in to their system. Anyone heard or know anything about that? here is one news i saw related and there were more i think with vietnam https://bankitasia.com/bankitasia/r...
by hicabob
Wed Aug 30, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: [How can people avoid the estate tax?]
Replies: 22
Views: 2195

[How can people avoid the estate tax?]

[OT comment removed by moderator prudent]

There don't seem to be any trivial ways other than to spend down the estate to under the limit? In places like WA with the 2M limit especially.
by hicabob
Tue Aug 29, 2017 12:01 pm
Forum: Investing - Theory, News & General
Topic: [Bitcoin] question
Replies: 125
Views: 8900

Re: Bit Coin question

Using the public domain ethereum toolset you too can make your own cryptocurrency.
https://www.ethereum.org/token
by hicabob
Fri Aug 18, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 7218

Re: DUI lawyer - need advice

A relative of mine had a similar first time no-injury DUI a few years ago but no crashing into a tree. I was talking about the situation with a friend who is also one of the local DA's and he said if it's cut and dry and the miscreant is pleading guilty and they can conduct themselves properly in th...
by hicabob
Fri Aug 18, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: ABS light, and OBD II scanners.....UPDATE
Replies: 34
Views: 2120

Re: ABS light, and OBD II scanners.....

Stability control uses the ABS system so if ABS doesn't work I would expect stability control would be not working also. I don't think anyone disputes that stability control is useful in otherwise terrible situations.
by hicabob
Wed Aug 16, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: California - clarification on taxes
Replies: 36
Views: 2630

Re: California - clarification on taxes

At least we get a nice federal tax deduction ..... currently :( .
For those making less than the top quintile earners do there are a few higher tax states.
by hicabob
Tue Aug 15, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 179
Views: 11243

Re: Postal Service -- "informed delivery"

and that piece of snail mail doesn't show up in your mailbox, you'll know that someone has stolen your mail, and you can take immediate action. Mail theft seems to have exploded around these parts over the last few years with many community locking boxes pried open and mail removed. I suppose it's ...
by hicabob
Sat Aug 12, 2017 6:36 pm
Forum: Personal Consumer Issues
Topic: Folding Electric Bike
Replies: 41
Views: 2559

Re: Folding Electric Bike

I can suggest Rad Mini. I live near their operation and test drove other models and was generally pleased. I bought something else due to Seattle's large hills but for DC area this could be just fine. https://www.radpowerbikes.com/products/radmini-electric-folding-fat-bike?variant=17586850561 I can...
by hicabob
Fri Aug 11, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14902

Re: How far would you travel to see The Eclipse?

The partial eclipse is pretty cool too which I think all the US will experience without travel. Just being outside and seeing it dim, then get bright again if nothing else. I have a few of those 99.999% blocking viewing glasses (cardboard with plastic film insert) which make the sun look like a dim ...
by hicabob
Wed Aug 09, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Toyota Radio and Backup Camera No Longer Work
Replies: 41
Views: 1952

Re: Toyota Radio and Backup Camera No Longer Work

My old Mercedes used to require a code to be entered to re-enable the radio after battery power was lost. It was an anti-theft measure rendering a stolen radio useless w/out the code. Perhaps Toyota used a similar method? I googled it for you and look at this ... https://itstillruns.com/reset-code-t...
by hicabob
Mon Aug 07, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: kids think lazy if retire?
Replies: 70
Views: 8114

Re: kids think lazy if retire?

Perhaps you could use it as a lesson for them that if they work hard and are successful they too can stop working at a relatively early age.
by hicabob
Sat Aug 05, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: Drinking water price craziness
Replies: 79
Views: 7792

Re: Drinking water price craziness

Years ago at mega-corp I used to work next to a friend's chem lab and he had high quality distilled water on tap. It was OK for coffee but not very pleasant to drink straight. The minerals and what-not give water some taste that distilled lacks but distilled is more "pure" than RO water and should b...
by hicabob
Fri Aug 04, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else have trouble spending?
Replies: 91
Views: 5998

Re: Anyone else have trouble spending?

You asked why you have these anxieties about spending money. I don't know if anyone can answer that, but I think there are two types of people, those who worry about spending and those who don't. I agree 100%. Interestingly, I wonder often if one of the reasons the folks on this board (me included)...
by hicabob
Thu Aug 03, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 276
Views: 24327

Re: A poll: How much money do you want to retire?

what happened to delete?
by hicabob
Thu Aug 03, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: Best "investment tip" I have gotten from Bogleheads
Replies: 47
Views: 7247

Re: Best "investment tip" I have gotten from Bogleheads

I have 2 questions for folks who own one: 1) Aren't there cheaper alternatives to this product? I believe $50 7-in-1 devices exist with the exact same program options. 2) How often do you use all the different versions of the product? To me, it seems like almost all the recipes mentioned could just...
by hicabob
Mon Jul 31, 2017 7:45 pm
Forum: Personal Consumer Issues
Topic: Bad kitchen cabinet install in condo. Need help improving.
Replies: 34
Views: 2928

Re: Bad kitchen cabinet install in condo. Need help improving.

That's really sloped. I'd look for the root cause if it was my house - foundation failure? Having things straight and square is important. Last remodel I had done, my carpenters spent a day squaring out walls in a 55 year old house - it was surprising how much they were off. It uses up time early bu...
by hicabob
Sat Jul 29, 2017 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 177
Views: 17412

Re: Tesla - next big lottery ticket ?

Always loved DEC since starting my career banging on PDP-11's, I still name variables foo from the indoctrination. ... then there was Sun microsystems, also a fine corporation in its heydey. Even very profitable, inventive, seemingly well run corporations can have a surprisingly short lifetime. I ag...
by hicabob
Thu Jul 27, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: What you wish you had known entering your late 20's
Replies: 130
Views: 30623

Re: What you wish you had known entering your late 20's

I would have become self employed at an earlier date. Late 20's is the perfect age to try.
by hicabob
Wed Jul 26, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: Where to move? New job, considering Nevada...
Replies: 28
Views: 2742

Re: Where to move? New job, considering Nevada...

Incline Village is interesting, but not inexpensive.
Carson City would seem to be a possibility. Not too fancy but Reno access w/out actually being in Reno?
by hicabob
Tue Jul 25, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 81
Views: 5684

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

Buy a new driver seat for it perhaps? An automotive upholstery shop could probably help you.
by hicabob
Mon Jul 24, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Cutting the cable - Internet speed requirements
Replies: 12
Views: 938

Re: Cutting the cable - Internet speed requirements

for streaming video figure you need about 3 Megabits per sec for SD, 5 for HD and 25 for UHD. If you have enough more is not better for one stream.
by hicabob
Sat Jul 22, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: Medical Coverage Outside US
Replies: 45
Views: 3357

Re: Medical Coverage Outside US

I can't speak for your friend in Oz but I can speak from personal experience that a Canadian who needs medical care in the EU has to pay first locally, then try to recover the cost when they return. Moreover Canadian "universal" insurance, as in the EU, reimburses only to the extent that they cover...
by hicabob
Sat Jul 22, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: When doing retirement planning, do you count your spouse's savings?
Replies: 42
Views: 4136

Re: When doing retirement planning, do you count your spouse's savings?

If you are married w/out a pre-nup her/his savings and retirement accounts(since marriage) are 50% yours and vice versa in most places so I would think yes.
by hicabob
Thu Jul 20, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Medical Coverage Outside US
Replies: 45
Views: 3357

Re: Medical Coverage Outside US

SOME Medicare supplement plans provide partial coverage outside the US. Personally I feel very comfortable not buying additional insurance when I am traveling to western Europe. I would feel even less concerned going to Canada. One of the injury accidents that I was privy to you, mentioned above, h...