Search found 2156 matches

by hicabob
Thu Feb 11, 2016 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: What is your decline in Net Worth as of today?
Replies: 72
Views: 5808

Re: What is your decline in Net Worth as of today?

A few years work, but it doesn't bother me anymore. Having seen quite a few such times before, I'm better psychologically in corrections/bears than I used to be. Having more than enough and a decent bond/cash allocation helps, but this level decline will happen many times in most investors lifetimes...
by hicabob
Thu Feb 11, 2016 12:24 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 59
Views: 8314

Re: Banned from Home Depot Returns

A year ago or so I had a strange experience at OSH, which is a large hardware store in these parts. I was at the cashier buying plumbing parts, this fellow walks in the door and all the cashiers stop working and start acting a little "off". I asked what was up and she said he regularly com...
by hicabob
Fri Feb 05, 2016 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: How do you hire a lawyer to be "on retainer"?
Replies: 24
Views: 2448

Re: How do you hire a lawyer to be "on retainer"?

If you got arrested I would think knowing a bail bondsman, or phone number would be as good as a lawyer near term and give you time to acquire suitable counsel.
1-800-badboys "Because Your Mama Wants You Home!"
by hicabob
Sat Jan 30, 2016 5:20 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 215
Views: 11243

Re: Do you pay for exercise?

Yup - a big $12.71 / month at the local 24hours (I joined years ago). I like the variety of equipment, machines and cardio but my favorite part is having a decent sauna afterwards - it gets quite addictive and you meet all manner of folk in there. A nice hot sauna raises your heart rate a little too...
by hicabob
Wed Jan 27, 2016 2:41 pm
Forum: Personal Consumer Issues
Topic: Is my package stuck in German customs? Now what?
Replies: 14
Views: 1181

Re: Is my package stuck in German customs? Now what?

I stick with UPS or FedEx for international packages. Costs a bit more but they are both well set up for clearing customs, the local reps are usually friendly and quite knowledgeable about the forms required, and the tracking works properly.
by hicabob
Wed Jan 27, 2016 1:59 pm
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 124
Views: 6203

Re: perfectly happy with cable

Re: sports, it's more than ESPN, which I don't watch that much. It's our local regional sports cable channels. I'm not aware of any other way to get them. An antenna perhaps? This FCC tool is really good to see if it would work for you. If you can get good reception the picture is amazing, better q...
by hicabob
Mon Jan 25, 2016 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: the how long will my assets have to last question.
Replies: 1
Views: 405

the how long will my assets have to last question.

The question of how long you have to plan on your assets lasting is one of the hardest retirement planning questions.

I thought this was cleverly done and gives a person some insight.

http://flowingdata.com/2016/01/19/how-you-will-die/
by hicabob
Mon Jan 25, 2016 12:48 pm
Forum: Personal Consumer Issues
Topic: Painter's Mask or Something Similar
Replies: 9
Views: 666

Re: Painter's Mask or Something Similar

I'd like to get a mask to protect me from fumes when using cleaning supplies. I looked on Amazon just now, but there seems to be thousands of choices, and I'm not sure which would be appropriate for my use. I guess I'd want some fairly inexpensive and perhaps something that is both reusable and dis...
by hicabob
Wed Jan 20, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: New neighbor turning their house into vacation rental
Replies: 41
Views: 4561

Re: New neighbor turning their house into vacation rental

Tiburon, a HCOL SF bedroom community (but tourism is huge due to location) ended up banning short term rentals (< 31 days) . 2 sides to every story I suppose. "However, Councilman Jim Fraser, who has been back and forth on the issue, said there was no compelling new evidence to support further ...
by hicabob
Tue Jan 19, 2016 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Best place to live in CA for a retiree
Replies: 27
Views: 2383

Re: Best place to live in CA for a retiree

Random Poster wrote:Is there really anywhere in California that can be considered "cheap"?



North coast and inland North CA," behind the redwood curtain" is cheap and beautiful but good jobs are scarce. Lots of retirees up there though.
by hicabob
Fri Jan 15, 2016 7:18 pm
Forum: Personal Consumer Issues
Topic: Best place to live in CA for a young family
Replies: 82
Views: 6043

Re: Best place to live in CA for a young family

city-data is useful for that sort of prospecting.

This fellow wrote a nice and quite accurate bit about the towns north of SF up to Crescent City.
http://www.city-data.com/forum/californ ... st34349879
by hicabob
Sun Jan 10, 2016 1:11 pm
Forum: Personal Consumer Issues
Topic: Warm vacation in January.
Replies: 20
Views: 2274

Re: Warm vacation in January.

Boglers, My spouse and I are looking to travel somewhere warm in January 2018 but really not sure where to go. The original plan was to go to Australia for 14 or so days but some people have told us that it is way too hot and we should reconsider. We currently live in Texas and are used to warm wea...
by hicabob
Sat Jan 09, 2016 11:45 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Shipping Issues since move from UPS to USPS
Replies: 74
Views: 5246

Re: Amazon Prime Shipping Issues since move from UPS to USPS

I have delivered a few of my neighbor's amazon packages after they have been left in the large USPS lockbox with the key left in my personal lockbox but usually the mailperson gets it right. I was slightly impressed that she now uses a bar code reader/wireless computer for the "audit trail"...
by hicabob
Fri Jan 08, 2016 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Wells Fargo -- Can't Purchase/Hold Vanguard Funds?
Replies: 5
Views: 394

Re: Wells Fargo -- Can't Purchase/Hold Vanguard Funds?

Wells Fargo Advisors is very high cost brokerage company completely owned by Wells Fargo bank. These people are recommended by the bank employees when you go to a local branch. But the actual Wells Advisors people are located at separate fancy offices. Their operating method is selling you high cos...
by hicabob
Wed Jan 06, 2016 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Chipotle
Replies: 16
Views: 1666

Re: Chipotle

It is interesting that their P/E is now the same as MCD's but no dividend of course because they were a hypergrowth stock. I think the hypergrowth phase has come and gone though. I'll stick to owning it in indexes.
by hicabob
Wed Jan 06, 2016 4:23 pm
Forum: Personal Consumer Issues
Topic: How is Costco's gas so cheap? (15% cheaper in my area)
Replies: 59
Views: 5008

Re: How is Costco's gas so cheap? (15% cheaper in my area)

I paid $2.69 for premium at costco today in CA.More than most of the US but it's always the cheapest around here except for safeway if you have lots of "safeway gas rewards" which can save up to 50 cents/gallon.
by hicabob
Mon Jan 04, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: Waste of money? [High-end home theater]
Replies: 140
Views: 7622

Re: Waste of money?

An argument in your favor is that good speakers are best to get while you're younger rather than older (or younger than you will be next year anyways :happy ). Unfortunately, hearing definitely deteriorates, usually quite significantly as we get wiser.
by hicabob
Sun Jan 03, 2016 4:42 pm
Forum: Personal Consumer Issues
Topic: crutches on the beach?
Replies: 13
Views: 1148

Re: crutches on the beach?

This fellow makes what you want
http://www.fetterman-crutches.com/
by hicabob
Thu Dec 31, 2015 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Ooma Phone Service - I Do NOT Recommend
Replies: 34
Views: 2291

Re: Ooma Phone Service - I Do NOT Recommend

As an Ooma alternative I've found an Obihai voip box combined with google voice is amazingly good for the cost , after you buy the $50 box it's free to call in the US, cheap to other countries. You supply the broadband and plug your regular phone into the little box. Sound quality is excellent, feat...
by hicabob
Wed Dec 30, 2015 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving Wells Fargo for Scottrade.Can I transfer my American Funds without getting another load hit?
Replies: 19
Views: 1556

Re: Leaving Wells Fargo for Scottrader

If you have a PMA brokerage account at WF and have had it for a while WF will let you trade for free. Then you can do a boglehead type portfolio with Vanguard ETF's .
by hicabob
Wed Dec 23, 2015 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Simple IRA doesnt offer Admiral shares
Replies: 6
Views: 263

Re: Simple IRA doesnt offer Admiral shares

same with Vanguard's otherwise excellent i401k. I suppose it's to cover the extra administration expense but paying .17% ER on SP500 seems shocking to this Boglehead :shock: .
by hicabob
Tue Dec 22, 2015 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Identity theft!
Replies: 18
Views: 1553

Re: Identity theft!

Doing a credit freeze seems to be about the one and only method. see clarkhoward.com for info.
by hicabob
Sat Dec 19, 2015 2:20 pm
Forum: Personal Consumer Issues
Topic: Prius V totaled, regret New Honda CR-V
Replies: 41
Views: 4523

Re: Prius V totaled, regret New Honda CR-V

You can get seats swapped easily - so many little garages that do that kind of work in LA, not always in the best neighborhoods but some hard working decent little companies are among them. There are many aftermarket seats available and all us Californians know the mod-shop guys love their Honda's.
by hicabob
Mon Dec 14, 2015 4:14 pm
Forum: Investing - Theory, News & General
Topic: Why are shares priced out to 4 decimal places?
Replies: 13
Views: 1167

Re: Why are shares priced out to 4 decimal places?

You do see penny stocks trading with .0001 granularity. I was always curious who is allowed to do this. I'm sure it's not to benefit the "little guy".
by hicabob
Mon Dec 14, 2015 3:45 pm
Forum: Investing - Theory, News & General
Topic: "Winning the Game"
Replies: 46
Views: 5951

Re: "Winning the Game"

My definition is a high degree of confidence that you can live at your desired lifestyle for the rest of your life without working for a paycheck, aka being financially independent. The amount required varies enormously with the individual and their circumstances.
by hicabob
Fri Dec 11, 2015 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Any IT professionals ever do off-hour consulting or 1099 work?
Replies: 9
Views: 974

Re: Any IT professionals ever do off-hour consulting or 1099 work?

I used to write specialized code on the side starting when I worked at a mega-corp. It was very lucrative for me at the time and ended up first leading to a much higher paid job, then my own little company which made me financially independent so it all worked out well. I know of someone who likes t...
by hicabob
Thu Dec 10, 2015 5:35 pm
Forum: Personal Consumer Issues
Topic: Advice for Encouraging Parents to Declutter Home?
Replies: 38
Views: 2559

Re: Advice for Encouraging Parents to Declutter Home?

I bought the book mentioned on a previous thread and it's starting to work! http://www.amazon.com/Life-Changing-Magic-Tidying-Decluttering-Organizing-ebook/dp/B00KK0PICK/ref=sr_1_1?s=books&ie=UTF8&qid=1449786818&sr=1-1&keywords=the+life+changing+magic+of+tidying+up An interesting boo...
by hicabob
Thu Dec 10, 2015 1:40 pm
Forum: Personal Consumer Issues
Topic: Selling car - release of liability
Replies: 8
Views: 681

Re: Selling car - release of liability

I'm not sure, but I believe until the buyer files the transfer of title the state still considers it your car. It's always a good idea to go with the buyer to the DMV or Secretary of State and transfer the title the day you sell the vehicle. edit: I don't know what state you live in, but CA says &q...
by hicabob
Wed Dec 09, 2015 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Small Business Gave me a "Retirement Bonus" Untaxed. What should I do?
Replies: 66
Views: 5433

Re: Small Business Gave me a "Retirement Bonus" Untaxed. What should I do?

The CPA for the company in question must be incompetent, non-existent or ignored.
by hicabob
Tue Dec 08, 2015 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Just signed up for 2016 CoveredCA ACA
Replies: 2
Views: 413

Just signed up for 2016 CoveredCA ACA

I ended up doing it thru an agent due to not knowing which providers are covered thru which plan, which is ridiculously hard to find out and I think should be easy given it's importance. The agent was great and familiar with what plan includes who. She said she makes a big 1.5% commission but my cos...
by hicabob
Tue Dec 08, 2015 12:50 pm
Forum: Personal Consumer Issues
Topic: Outdoor gas grill recommendation
Replies: 58
Views: 2659

Re: Outdoor gas grill recommendation

A really nice thing about Weber's is the impressive parts availability for older models. They can be a lifetime purchase if one is willing to buy and install new burners, "flavor bars", and grills every decade or so. My 25yo Weber has been rebuilt twice so far and is better than new since ...
by hicabob
Sun Dec 06, 2015 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 169
Views: 11182

Re: A car nicer than the boss?

I've never worked anywhere where the boss cares what the employee drives. It would seem like a bizarre thing to worry about from the bosses perspective and that level of micromanaging an employee's life would indicate a red flag as a place of employment. At one place I and another engineer were pai...
by hicabob
Sun Dec 06, 2015 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 169
Views: 11182

Re: A car nicer than the boss?

I've never worked anywhere where the boss cares what the employee drives. It would seem like a bizarre thing to worry about from the bosses perspective and that level of micromanaging an employee's life would indicate a red flag as a place of employment. At one place I and another engineer were paid...
by hicabob
Sat Dec 05, 2015 12:00 pm
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 29
Views: 1564

Re: New car safety features

With the reversing camera should the driver turn around backwards and look as we were taught or just watch the screen? I suppose it's watch the screen since you can't do both but it just seems wrong.
by hicabob
Fri Dec 04, 2015 2:14 pm
Forum: Personal Consumer Issues
Topic: Brilliant Energy-Saving Idea -- Or Just Really Stupid?
Replies: 54
Views: 5391

Re: Brilliant Energy-Saving Idea -- Or Just Really Stupid?

I had a filter/diverter on a dryer in a basement decades ago. The idea of breathing in micro-particles of clothes put me off it though.
by hicabob
Thu Dec 03, 2015 10:46 am
Forum: Personal Consumer Issues
Topic: Ultimate Weird Question - seeking best "breastfeeding lamp"
Replies: 22
Views: 1316

Re: Ultimate Weird Question - seeking best "breastfeeding lamp"

how about a dimmer switch ? If you use an old fashioned incandescent bulb you can make it barely on. Red light bulb if you are extra fussy. http://www.amazon.com/Leviton-TBL03-10E-300-watt-Tabletop-Control/dp/B00A80756O/ref=sr_1_6?s=hi&ie=UTF8&qid=1449157425&sr=1-6&keywords=inline+di...
by hicabob
Wed Dec 02, 2015 7:03 pm
Forum: Personal Consumer Issues
Topic: Visited friends in California...Now I want home automation too!
Replies: 46
Views: 4013

Re: Visited friends in California...Now I want home automation too!

Bill Gates type houses often use AMX or Crestron systems which are pricey but nice. I'm not sure if much automation is worth it for a normal house, other than a couple sensors to turn lights on, maybe a nest thermostat and an electronic lock.
by hicabob
Wed Dec 02, 2015 12:40 pm
Forum: Personal Consumer Issues
Topic: AT&T changed me to Uverse without my consent
Replies: 18
Views: 2118

Re: AT&T changed me to Uverse without my consent

It seems ATT is trying to get rid of the the old POTS analog lines (plain old telephone service) nowadays. Maintenance must be greater than revenues by now. If you cancel a landline phone or DSL around here you can't get it back - but thankfully Comcast internet and an Obi phone is much better and m...
by hicabob
Tue Dec 01, 2015 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Anyone ever bought/run a convenience store?
Replies: 20
Views: 3351

Re: Anyone ever bought/run a convenience store?

All good points. Thanks for the input. I have looked at other stations and the numbers all seem to be relatively similar but as someone said, I would obviously want the books for the last 5 years. Also-its only open until midnight. That being said-I'm out. It said on the pro forma that there was a ...
by hicabob
Mon Nov 30, 2015 6:42 pm
Forum: Personal Consumer Issues
Topic: Cyber Monday
Replies: 50
Views: 5744

Re: Cyber Monday

I was looking for some computer parts but ended up just buying a spade bit for my demolition hammer instead. I plan to use it for some upcoming planting. We have tough soil here! I was underwhelmed with the "cyber monday" pricing for computer components. Not significantly different than us...
by hicabob
Sat Nov 28, 2015 1:22 pm
Forum: Personal Consumer Issues
Topic: Considering buying a dirt bike
Replies: 26
Views: 1945

Re: Considering buying a dirt bike

Serious electric motorcycles, both dirt and road, are interesting and quite practical. Our local manufacturer, Zero, makes some really nice ones.

http://www.zeromotorcycles.com/motorcycles/
by hicabob
Fri Nov 27, 2015 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Administrators
Replies: 11
Views: 1215

Re: HSA Administrators

They have a shockingly bad website if you are using them as an investor and are used to competently done trading sites.
by hicabob
Mon Nov 23, 2015 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401K -> Org Type??
Replies: 7
Views: 305

Re: Solo 401K -> Org Type??

straight from the govt ... "A sole proprietorship is the simplest and most common structure chosen to start a business. It is an unincorporated business owned and run by one individual with no distinction between the business and you, the owner. You are entitled to all profits and are responsib...
by hicabob
Mon Nov 23, 2015 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401K -> Org Type??
Replies: 7
Views: 305

Re: Solo 401K -> Org Type??

sole proprietorship I would think. You do have to get an EIN number for a vanguard i401k which is really easy from the IRS website. hicabob, I messed up. Looks like I choose <<Unincorporated enterprise >> when I get my EIN. I guessed I have to get a new one?? KlangFool A sole proprietorship is an u...
by hicabob
Mon Nov 23, 2015 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401K -> Org Type??
Replies: 7
Views: 305

Re: Solo 401K -> Org Type??

sole proprietorship I would think. You do have to get an EIN number for a vanguard i401k which is really easy from the IRS website.
by hicabob
Mon Nov 23, 2015 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: solo 401k question
Replies: 8
Views: 449

Re: solo 401k question

That's what I would expect livesoft, but I can't find it stated anywhere. After all large companies certainly make 401k contributions even when they post a loss and solo 401k's are considered the same as 401k's. This Forbes article states "The solo 401(k) is a traditional 401(k) plan covering o...
by hicabob
Mon Nov 23, 2015 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: solo 401k question
Replies: 8
Views: 449

solo 401k question

I plan to set up a solo 401k this year since I have excess income from a little business. Reading over the rules it seems that even if said business is not profitable, which is not a problem for me this year, one can contribute anyway as long as the IRS deems that the intent of the biz is to generat...
by hicabob
Mon Nov 23, 2015 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Bonds in Roth IRA, Stocks on Taxable Account?
Replies: 10
Views: 577

Re: Bonds in Roth IRA, Stocks on Taxable Account?

I am contemplating whether to put some consulting $$ I don't need now in an i401k or just pay taxes on it ... But one could pay taxes on it and have an individual Roth 401(k), so I don't understand why you were contemplating putting in a taxable account. I have both bond funds and equity funds in m...
by hicabob
Mon Nov 23, 2015 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Bonds in Roth IRA, Stocks on Taxable Account?
Replies: 10
Views: 577

Re: Bonds in Roth IRA, Stocks on Taxable Account?

I am contemplating whether to put some consulting $$ I don't need now in an i401k or just pay taxes on it and studying the ramifications I came across this interesting article which advocates stocks in deferred and bonds in taxable. It's not trivial but it's a nicely written article . https://www.aa...
by hicabob
Sun Nov 22, 2015 6:45 pm
Forum: Personal Consumer Issues
Topic: Tall furniture tipping
Replies: 14
Views: 1374

Re: Tall furniture tipping

Stuff that seems a tad precarious at first does tend to "settle in" to carpet after a day or 2. Unless you live in earthquake country or have kids that don't realize bookcases are not for climbing on, I think it's pretty safe. Heavy stuff on the bottom helps too. Wall-to-wall carpet does h...

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