Search found 2210 matches

by hicabob
Tue Jul 26, 2016 4:18 pm
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 17
Views: 1419

Re: Canada vacation

DSInvestor wrote: Make sure nobody in the car has a record of DUI or assault. People with DUI will not be allowed to enter Canada.




A miscreant I know w/ a DUI said if you apply for a visitor visa beforehand the dui is not a problem wrt visiting Canada.
by hicabob
Tue Jul 26, 2016 3:53 pm
Forum: Investing - Theory, News & General
Topic: John Bogle's home
Replies: 25
Views: 4075

Re: John Bogle's home

Honestly, I'm from a different generation than my parents. I asked them why they bought such a large home with a vast front yard and gigantic backyard in 1967. They told me it was so the kids could play outside. Some 50 years later, and with regular heat waves.. that doesn't look so much like a thi...
by hicabob
Mon Jul 25, 2016 10:59 am
Forum: Personal Consumer Issues
Topic: Storing a road bike in a plastic shed?
Replies: 17
Views: 981

Re: Storing a road bike in a plastic shed?

I store some old large mechanical devices in a decent weatherproof 8x12 wood shed. Stuff does rust significantly in there after a couple years. Possibly due to condensation/lack of airflow? Although a shed is better than outside, inside is better than a shed.
by hicabob
Thu Jul 21, 2016 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Help With Picking Job Title at Startup
Replies: 33
Views: 2083

Re: Help With Picking Job Title at Startup

NMJack wrote:The only title that has any meaning is "employee." Everything else is just fluff.



The other important title is "owner"
by hicabob
Wed Jul 20, 2016 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Help With Picking Job Title at Startup
Replies: 33
Views: 2083

Re: Help With Picking Job Title at Startup

I always liked MPG. "Most Paid Grunt"
by hicabob
Wed Jul 20, 2016 5:16 pm
Forum: Personal Consumer Issues
Topic: What type of new driveway should I get?
Replies: 21
Views: 2228

Re: What type of new driveway should I get?

If you go with asphalt consider having the contractor use "asphalt reinforcing mat" underneath. A few more bucks but ends up as a much stronger driveway. https://www.google.com/search?q=asphalt+reinforcing+mat&espv=2&biw=2048&bih=1052&tbm=isch&tbo=u&source=univ&...
by hicabob
Wed Jul 20, 2016 12:35 pm
Forum: Personal Consumer Issues
Topic: Buying a VW?
Replies: 30
Views: 1778

Re: Buying a VW?

The VW in my "fleet" has been better wrt reliability that the Toyota and way better than the Nissan. It's the nicest car to drive too.
by hicabob
Mon Jul 18, 2016 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: "Security freeze" to prevent credit fraud
Replies: 16
Views: 1047

Re: "Security freeze" to prevent credit fraud

I did it under the recommendation of a classmate. If I recall I contacted one and they spread the word around. Some day I gotta remember how to unfreeze it as I'll be renting in retirement. A credit freeze doesn't prevent others from checking you credit as a landlord would do, just stops anyone ope...
by hicabob
Sun Jul 17, 2016 6:15 pm
Forum: Personal Consumer Issues
Topic: Mother was victim of online virus scam - How can she recover the money she paid?
Replies: 56
Views: 5076

Re: Mother was victim of online virus scam - How can she recover the money she paid?

Do as I did and get your Mom a chromebox to prevent similar occurrences in the future. It's much better than windows or mac if internet access it the raison d'etre for the 'pooter. Super virus resistant, bulletproof, transparent updates, cheap and very fast turnon to boot.
by hicabob
Thu Jul 07, 2016 12:18 pm
Forum: Personal Consumer Issues
Topic: Costco Tires - Anyone ever frustrated?
Replies: 86
Views: 5589

Re: Costco Tires - Anyone ever frustrated?

Usually about a 2+ hour wait here. For flats I drop them off and pick up later. I rotate my own tires which is pretty simple and safe if you are physically capable, have a decent jack, the correct socket and a breaker bar.
by hicabob
Sat Jul 02, 2016 12:04 pm
Forum: Personal Consumer Issues
Topic: Save Thousands on Dental Expenses!
Replies: 21
Views: 2664

Re: Save Thousands on Dental Expenses!

I was taught the correct sequence was floss first, then brush w/ a fluoride toothpaste then don't rinse so fluoride can work.
by hicabob
Wed Jun 29, 2016 10:09 am
Forum: Personal Consumer Issues
Topic: How best to take little kids sightseeing?
Replies: 37
Views: 2312

Re: How best to take little kids sightseeing?

My kids at that age enjoyed walking expeditions to find the best of a specific type of street food in European cities. Baklava in Crete, crepes in Paris. Perhaps stroopwafel's in Amsterdam?
by hicabob
Thu Jun 23, 2016 10:58 am
Forum: Personal Finance (Not Investing)
Topic: estimated health care costs in retirement?
Replies: 27
Views: 1602

Re: estimated health care costs in retirement?

I use $12k for myself including HSA contributions. That's with an ACA/HSA plan - no subsidy - not old enough for medicare.
by hicabob
Tue Jun 21, 2016 3:25 pm
Forum: Personal Consumer Issues
Topic: New Costco Visa & Car Rental Insurance
Replies: 25
Views: 3509

Re: New Costco Visa & Car Rental Insurance

The amex add-on car rental insurance is good if you only carry liability on your regular car insurance as some of us do.
by hicabob
Tue Jun 21, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: New Costco Visa & Car Rental Insurance
Replies: 25
Views: 3509

Re: New Costco Visa & Car Rental Insurance

I use AMEX Premium Rental Car Insurance at $19.95 per rental, they have two options, $19.95 & $24.95. The two major differences: 1. AMEX is 'primary' insurance almost all others are 'secondary'. United Airline MileagePlus VISA is one of the very few VISA's that are 'primary' coverage, and of co...
by hicabob
Mon Jun 20, 2016 5:33 pm
Forum: Personal Consumer Issues
Topic: Cost of boundary survey for 2.5 acres near Seattle, WA
Replies: 5
Views: 604

Re: Cost of boundary survey for 2.5 acres near Seattle, WA

The placement rules for my well in California were quite simple. At least 50 feet from any boundary and at least 100 feet from the septic tank, both of which make sense. If WA is similar I wouldn't think a full survey would be needed, perhaps just one side at most?
by hicabob
Sun Jun 19, 2016 1:25 pm
Forum: Investing - Theory, News & General
Topic: Why You Shouldn't Do International Stocks?
Replies: 60
Views: 7615

Re: Why You Shouldn't Do International Stocks?

I've owned a few intl indexes over the years. Sometimes I think the temptation for the proprietor to take advantage of exchange rates wins over being fair to the customer, but then again perhaps I'm just a tad paranoid of financial companies taking advantage when they can?
by hicabob
Sat Jun 18, 2016 9:57 am
Forum: Personal Consumer Issues
Topic: Need advice ..Lexus battery fails when car is not driven 24 hrs
Replies: 87
Views: 4787

Re: Need advice ..Lexus battery fails when car is not driven 24 hrs

I agree with "look for a parasitic load". Years ago I had a Toyota that would do this infrequently. Eventually I heard it buzzing from near the gas tank quite a while after it was shut off. The fuel pump still running and keeping pressure was the culprit. Pulling and reinserting the relays...
by hicabob
Thu Jun 16, 2016 9:15 pm
Forum: Personal Consumer Issues
Topic: Neighborhood kids setting up lemonade stand on my property
Replies: 102
Views: 5886

Re: Neighborhood kids setting up lemonade stand on my property

From: http://www.cnbc.com/2015/06/19/lemonade-war-3-legal-issues-with-your-kids-small-biz.html 1. Permits To operate a lemonade stand lawfully, your entrepreneur may need to apply for a vendor permit with your town or state. 2. Public health A 7 year old in Oregon folded her stand in 2010 because o...
by hicabob
Mon Jun 13, 2016 11:22 am
Forum: Personal Consumer Issues
Topic: The Most and Least Expensive Cars to Maintain
Replies: 40
Views: 4226

Re: The Most and Least Expensive Cars to Maintain

Some people are saying their BMW or whatever hasn't needed many repairs. There is more to maintenance than repairing things that break. The routine maintenance on German cars tends to be quite a bit more expensive than on many other cars. Also, don't people take into account the cost of using premi...
by hicabob
Sat Jun 11, 2016 10:04 am
Forum: Personal Consumer Issues
Topic: Cats in yard, what to do?
Replies: 38
Views: 2962

Re: Cats in yard, what to do?

As my neighbor discovered, bless her heart, if people feed them consistently they multiply exponentially like a Boglehead IRA! Feral cats should at least be spayed.
by hicabob
Sat Jun 11, 2016 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Received New Costco Am Ex card
Replies: 10
Views: 1279

Re: Received New Costco Am Ex card

Does the Amex account actually become dead? I like to use it when renting cars for the $15.95 primary rental car insurance.
by hicabob
Sun Jun 05, 2016 7:44 pm
Forum: Personal Consumer Issues
Topic: Elio Car
Replies: 89
Views: 9342

Re: Elio Car

I saw a fairly slick ad on the TV for the Elio car today while at the gym. Still just taking reservations but the $6800 "goal price" remains.
by hicabob
Sat Jun 04, 2016 9:50 am
Forum: Personal Consumer Issues
Topic: Leave garage door open?
Replies: 109
Views: 9269

Re: Leave garage door open?

My personal experience is small (N=3) and I don't count the cycles, but it's consistent with a bit more than 10,000 cycles before they go ping. I was chatting to the fellow who was installing a garage door for me and he recommended spraying the springs with wd-40 annually to increase the life, when...
by hicabob
Sat Jun 04, 2016 9:33 am
Forum: Personal Consumer Issues
Topic: Leave garage door open?
Replies: 109
Views: 9269

Re: Leave garage door open?

I had a cat who, unbeknownst to me, liked to sleep on top of the opened sectional garage door. My wife closed the door and left. I was working nearby and heard nasty yowling and the cat was pinned between the top of the door and the frame. I pressed the button to open the door, the cat fell down and...
by hicabob
Thu Jun 02, 2016 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: It's not shady to move States for tax reasons is it?
Replies: 48
Views: 4796

Re: It's not shady to move States for tax reasons is it?

Best to check with your CPA first. I had the same idea when I was selling my little company a few years ago for a nice sum but my cpa assured me the dreaded "California tax claw" would pursue "their money".
by hicabob
Mon May 30, 2016 1:16 am
Forum: Investing - Help with Personal Investments
Topic: Investing when you have an estranged spouse
Replies: 274
Views: 15774

Re: Investing when you have an estranged spouse

I would not sign a joint return without visibility of my partners assets and income. Too much risk. Other than that, I have nothing constructive to add. God bless you and your children. Harry Exactly - I have taught my kids to not sign anything until they have read it and have some comprehension of...
by hicabob
Fri May 13, 2016 10:57 am
Forum: Personal Finance (Not Investing)
Topic: selling classic car - tax?
Replies: 44
Views: 2926

Re: selling classic car - tax?

montanagirl wrote:I don't see the difference between selling an old Mustang and selling some stock bought at the same time. Both are capital assets, yes? to report on sch D and form 8949?



Not quite the same - since if you tried to claim a long term loss on a car you sold I wouldn't expect the IRS to accept it.
by hicabob
Sun May 08, 2016 8:19 am
Forum: Personal Consumer Issues
Topic: Whimsical Posting: Pneumatic Tubes
Replies: 8
Views: 814

Re: Whimsical Posting: Pneumatic Tubes

My local costco has them! Mr Musk will have us all riding around in them in 20 years or so hopefully.
by hicabob
Fri May 06, 2016 3:49 pm
Forum: Personal Consumer Issues
Topic: how much cash do you carry in your wallet?
Replies: 152
Views: 14559

Re: how much cash do you carry in your wallet?

A couple hundred usually. Cash comes in handy sometimes. A couple days ago the local power companies contracted tree trimmers came up my long driveway with a huge bucket truck. They parked it right next to a dead 90 foot oak I have been planning to get cut down since it could hit the house if it fel...
by hicabob
Fri May 06, 2016 12:19 pm
Forum: Investing - Theory, News & General
Topic: "When Mediocrity Trumps Brilliance"
Replies: 2
Views: 546

Re: "When Mediocrity Trumps Brilliance"

Warren Buffet is sounding more and more like Mr Bogle these days. "His simple Vanguard S&P 500 (VFINX) fund has delivered returns more than 40 points higher than those of the hedge fund. “I believe this is the most important investment lesson in the world,” he said." “[Losing by 40 poi...
by hicabob
Fri Apr 29, 2016 11:26 am
Forum: Personal Finance (Not Investing)
Topic: What to tell your child about Bill for tax preparation
Replies: 53
Views: 5509

Re: What to tell your child about Bill for tax preparation

In my late 20's I took an income tax night class taught by a CPA at the local community college. I found it very worthwhile and highly recommend similar for most folk even if they end using a CPA for their taxes.
by hicabob
Sat Apr 23, 2016 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Questions regarding maximizing annual gifts to parents
Replies: 13
Views: 1175

Re: Questions regarding maximizing annual gifts to parents

My understanding is that there is no need to worry about gift amounts except to those who will later inherit large sums from you. "Gifts over $14,000 are considered taxable gifts and must be reported on an annual gift tax return, Form 709. Though you must file, you do not have to worry about pa...
by hicabob
Fri Apr 22, 2016 5:18 pm
Forum: Personal Consumer Issues
Topic: Volkswagen DieselGate Compensation - Any Tax Implications?
Replies: 20
Views: 3043

Re: Volkswagen DieselGate Compensation - Any Tax Implications?

Unless the cars are fixed the states will begin to ban them. They are not legal. I'm surprised they are still allowed on the roads. it would be a hardship to many - most? - owners of a car if all of a sudden it was illegal to have them on the road. after a reasonable period of time - and i don't kn...
by hicabob
Fri Apr 22, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: Leaky Wine Bottle
Replies: 13
Views: 1705

Re: Leaky Wine Bottle

I doubt it's naturally sparkling anymore.
by hicabob
Sat Apr 16, 2016 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Good countries to accumulate in?
Replies: 13
Views: 1302

Re: Good countries to accumulate in?

1: Does anyone know of a good, preferably free service I can use to compare countries? Average salaries, income taxes and cost of living seem to be the big three factors. Of course there are other things I also want to consider, but this is the data that is hard to find. try numbeo.com for comparin...
by hicabob
Mon Apr 11, 2016 2:30 pm
Forum: Personal Consumer Issues
Topic: Having a well drilled - looking for advice/tips
Replies: 7
Views: 915

Re: Having a well drilled - looking for advice/tips

It might be a good idea to chat with your neighbors to see how deep their wells are and what the water quality is like. It's about $100/foot for a domestic well with casing here. Add in more for the pump + electrical. Spring water is often better tasting (less minerals/sulfur/metals) than well water...
by hicabob
Sun Apr 10, 2016 5:19 pm
Forum: Personal Consumer Issues
Topic: Free old BMW worth it?
Replies: 44
Views: 4907

Re: Free old BMW worth it?

5 series have always been super safe and very nice to drive cars.
by hicabob
Thu Apr 07, 2016 9:20 am
Forum: Personal Consumer Issues
Topic: Anything to look for when buying a fridge?
Replies: 38
Views: 3167

Re: Anything to look for when buying a fridge?

If you have kids or other family members that have a compulsion to look in the fridge every 10 seconds I would avoid thru the door ice/water. The $2k+ kitchenaid fridge I have uses cheap wiring to go to the front door that breaks after repeated opening/closing. Every 2 years like clockwork! Decent f...
by hicabob
Wed Apr 06, 2016 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Firecalc, really?
Replies: 58
Views: 6762

Re: Firecalc, really?

I will probably retire around 50 years old and am assuming that health insurance for me and my wife will cost us about $20k year. That would be for a plan off an exchange plus the deductible. Can anyone with real life experience buying own insurance pre-medicare tell us more accurate numbers of wha...
by hicabob
Tue Apr 05, 2016 4:51 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 202
Views: 25297

Re: guaranteed 5% vs stocks?

seems to be only for the first 5k. https://www.netspend.com/how_it_works/managing_your_money.shtml "Get a Great Return with a NetSpend Savings Account1 Deposit money into a variable rate NetSpend Savings account, and it'll earn a 5.00% Annual Percentage Yield (APY) on balances of $5,000 or less...
by hicabob
Mon Apr 04, 2016 8:57 am
Forum: Personal Consumer Issues
Topic: Breaking concrete
Replies: 42
Views: 3597

Re: Breaking concrete

I bought one of these Chinese jackhammers a couple years back for a project. http://www.amazon.com/XtremepowerUS-2200Watt-Electric-Demolition-Concrete/dp/B00IO3Z5MS/ref=sr_1_1?ie=UTF8&qid=1459778003&sr=8-1&keywords=jackhammer It's quite wonderful for the $$ and will rip through concrete....
by hicabob
Sun Mar 27, 2016 11:27 am
Forum: Personal Consumer Issues
Topic: Europe Trip in August
Replies: 99
Views: 5962

Re: Europe Trip in August

JMacDonald wrote:I would agree that one has to be careful not to get run over by a car or bus in London.



Look right and mind the gap! . Getting run over is probably a much higher risk than being terrorized for the US visitor.
by hicabob
Sun Mar 27, 2016 9:23 am
Forum: Personal Finance (Not Investing)
Topic: does solar increase the value of a house
Replies: 15
Views: 1401

Re: does solar increase the value of a house

Just FWIW, this came-up as a question at a recent HOA Board meeting where we live here in southern Arizona. The "feeling" from the discussion which resulted was that solar panels neither increase or decrease the value of a home----unless, of course, there are so many of the panels present...
by hicabob
Thu Mar 24, 2016 5:52 pm
Forum: Personal Consumer Issues
Topic: Europe Trip in August
Replies: 99
Views: 5962

Re: Europe Trip in August

UK and Germany for a couple weeks in May. No worries.
by hicabob
Wed Mar 23, 2016 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Housing Prices Trajectory in the Bay Area?
Replies: 77
Views: 6604

Re: Thoughts on Housing Prices Trajectory in the Bay Area?

Trying to predict Bay Area housing seems akin to predicting stock market performance. As Mr Bogle likes to say "nobody knows nothing". That being said I have seen a few Bay Area boom/retrace cycles which seem to repeat every 10 years or so and Bay Area real estate is certainly not currentl...
by hicabob
Thu Mar 17, 2016 12:25 pm
Forum: Personal Consumer Issues
Topic: Best Value TV purchase
Replies: 38
Views: 3352

Re: Best Value TV purchase

We have a 40" Insignia for a gaming system. $160 at a Thanksgiving sale. Full 1080P, nice pic and ok speakers. No problems whatsoever.
by hicabob
Sun Mar 13, 2016 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Any experience with VRBO? [Vacation Rentals By Owner]
Replies: 16
Views: 2453

Re: Any experience with VRBO?

I am curious as to how folk doing short term rentals cover the liability, i.e. from a guest falling and breaking an arm or similar? Would an umbrella policy be sufficient?
by hicabob
Mon Feb 22, 2016 7:37 pm
Forum: Investing - Theory, News & General
Topic: My friend "proves" active management works
Replies: 51
Views: 5374

Re: My friend "proves" active management works

Going back to Mr Bogle's famous thesis, if you remove fees, 50% of active funds will beat the index and 50% will lose to the index in any given year. Add in fees and the majority will lose to the index. Over an investment lifetime period, a huge majority will lose relative to the index which is why ...

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