Search found 2269 matches

by hicabob
Fri Nov 25, 2016 6:39 pm
Forum: Investing - Theory, News & General
Topic: It's good when the market makes new highs!
Replies: 6
Views: 1653

Re: It's good when the market makes new highs!

Apparently new highs are not as unusual as you (or me at least) would expect. I seem to remember reading quite a while ago that 1 in 18 days a new high is made? I think it was discussing the sp500 but I can't find the relevant article.
by hicabob
Sun Nov 20, 2016 1:09 pm
Forum: Personal Consumer Issues
Topic: Fountain Pens - Do you use one?
Replies: 76
Views: 3717

Re: Fountain Pens - Do you use one?

I have a Pilot Metropolitan I use with Parker ink. Not as fancy as your Pelicans but very nice to write with. Takes me back to the old days when we had to write with a nibbed dip pen in elementary school for "penmanship" (UK 50+ years ago) .
by hicabob
Sat Nov 19, 2016 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Setting up an LLC to hold stocks
Replies: 15
Views: 4824

Re: Setting up an LLC to hold stocks

as a followup to this old thread concerning a topic that may become very relevant soon, is it possible to capitalize such an llc with an in-kind transfer of stock?
by hicabob
Fri Nov 18, 2016 11:17 am
Forum: Personal Consumer Issues
Topic: "Musk Says Tesla’s Solar Shingles Will Cost Less Than a Dumb Roof"
Replies: 78
Views: 8232

Re: "Musk Says Tesla’s Solar Shingles Will Cost Less Than a Dumb Roof"

Perhaps less than a slate roof or hand formed Spanish tile roof that is. I expect fiberglass/asphalt shingles will be much cheaper to make and install than large semiconductors embedded in glass then wired together.
by hicabob
Thu Nov 17, 2016 6:38 pm
Forum: Investing - Theory, News & General
Topic: why it's so hard for active managers to outperform
Replies: 7
Views: 919

Re: why it's so hard for active managers to outperform

In Larry's article Adam Parker says ... “The median stock removed from the S&P 500 has negative earnings growth in the preceding three and five year periods. The earnings growth of the companies added to the index was not only much superior to the companies removed but also much higher than thos...
by hicabob
Tue Nov 15, 2016 7:24 pm
Forum: Personal Consumer Issues
Topic: Liver
Replies: 43
Views: 4763

Re: Liver

Try chicken liver. Mild and delicious when cooked correctly which is easy - saute in butter and garlic w/salt and pepper.
by hicabob
Mon Nov 14, 2016 7:37 pm
Forum: Personal Consumer Issues
Topic: Products to cope with other drivers' LED headlight
Replies: 45
Views: 4179

Re: Products to cope with other drivers' LED headlight

It's probably HID headlights that bother you. Led headlights are still unusual. Auto dimming mirrors are nice, come on most new cars, and I believe can be retroactively installed. Wearing sunglassses at night is not a good solution. My Mom's night vision improved after she had cataract surgery which...
by hicabob
Sun Nov 13, 2016 4:57 pm
Forum: Personal Consumer Issues
Topic: Installing Solar Panels
Replies: 27
Views: 3443

Re: Installing Solar Panels

The rebates and incentives are generally what make residential PV systems justifiable in economic terms, so I'd make sure you know exactly what you qualify for. Obviously, you're in a favorable location for a PV system. As far as reducing carbon footprint - I'll just mention that you have to consid...
by hicabob
Thu Nov 03, 2016 4:15 pm
Forum: Personal Consumer Issues
Topic: Computing Device - Laptop or Table - for an Elderly Person
Replies: 35
Views: 1814

Re: Computing Device - Laptop or Table - for an Elderly Person

A chromebox with a big screen is indestructible, (almost) virus proof, easy to use, and cheap.
by hicabob
Thu Nov 03, 2016 12:30 pm
Forum: Personal Consumer Issues
Topic: Buying an Audi A4
Replies: 73
Views: 4717

Re: Buying an Audi A4

If you are that paranoid about reliability/service costs buy the extended warranty. They are nice cars.
by hicabob
Wed Nov 02, 2016 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason to purchase on Exchange if don't qualify for subsidy
Replies: 13
Views: 1492

Re: Any reason to purchase on Exchange if don't qualify for subsidy

You can get heath insurance outside of the exchange? I didn't think that existed anymore. I've been searching for weeks looking for individual health insurance, and I can only find 2 companies that offer any in Delaware County Ohio. I even went to broker sites and searched, and it always comes up w...
by hicabob
Tue Nov 01, 2016 4:00 pm
Forum: Personal Consumer Issues
Topic: How do you make your Martini?
Replies: 63
Views: 3352

Re: How do you make your Martini?

Definitely prefer a gin martini, although I'm not much good at making them. Thankfully I have a sister-in-law who excels. But really the point of this post is to contribute this little bit of wisdom: “One martini is all right. Two are too many, and three are not enough.” ― James Thurber The Irish e...
by hicabob
Mon Oct 31, 2016 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to Avoid Paying Taxes if You're UHNW [Ultra High Net Worth]
Replies: 73
Views: 10826

Re: How to Avoid Paying Taxes if You're UHNW

Phil DeMuth wrote:By law ETFs much pass through their dividend income every year. A zero-distribution diversified ETF is the holy grail of tax-efficient investing.



Thanks for the info Phil. Does the same or similar law apply to mutual funds too?
by hicabob
Mon Oct 31, 2016 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to Avoid Paying Taxes if You're UHNW [Ultra High Net Worth]
Replies: 73
Views: 10826

Re: How to Avoid Paying Taxes if You're UHNW

Does a low cost s+p 500 etf that doesn't pay dividends exist? It would seem possible since BRK invests in dividend paying stocks but doesn't pass the divvies on to the BRK owner. Such an etf would seem perfect for this strategy.
by hicabob
Fri Oct 28, 2016 2:45 pm
Forum: Personal Consumer Issues
Topic: Grocery Stores Employing Customers
Replies: 59
Views: 4498

Re: Grocery Stores Employing Customers

Customers bagging their groceries is the norm in the UK and many other EU countries. They even let the cashiers sit down on stools while working, horrors!
by hicabob
Fri Oct 28, 2016 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Sued for General [Investment] Advice?
Replies: 43
Views: 5377

Re: Sued for General Advice?

Rather than giving specific investment advice I like to mention low-cost indexing as a method and then to give a person a pointer to bogleheads instead. It would be hard to imagine a successful lawsuit stemming from a well meaning but badly performing hot stock tip though that could certainly disrup...
by hicabob
Tue Oct 25, 2016 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 10965

Re: 2017 ACA plan previews

It strikes me as being a catastrophic health insurance plan, but I rather doubt that many of those using the ACA exchanges can really afford that type of plan. ?? Non government worker early retirees are a fairly large ACA group and they have enough $$ not to work. I haven't seen any data on the su...
by hicabob
Tue Oct 25, 2016 11:50 am
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 10965

Re: 2017 ACA plan previews

Random Poster wrote:
It strikes me as being a catastrophic health insurance plan, but I rather doubt that many of those using the ACA exchanges can really afford that type of plan.



?? Non government worker early retirees are a fairly large ACA group and they have enough $$ not to work.
by hicabob
Tue Oct 25, 2016 10:25 am
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 10965

Re: 2017 ACA plan previews

My 2016 BC plan went up 30% for 2017 but thankfully Kaiser is moving into the area and charge less than my current BC plan. Having had them years ago I prefer Kaiser too.
by hicabob
Sun Oct 23, 2016 10:33 am
Forum: Personal Consumer Issues
Topic: Back Up Camera for Automobile
Replies: 12
Views: 1228

Re: Back Up Camera for Automobile

Just saying, nothing is better than turning around and getting a real view of what's behind you and what's approaching you from both ways. Have seen too many elderly folks especially, who may have neck issues or age stiffness, as well as others, who exclusively use back up cameras which give a limi...
by hicabob
Sat Oct 22, 2016 12:04 pm
Forum: Personal Consumer Issues
Topic: Cheapskate for not flying business class?
Replies: 81
Views: 6057

Re: Cheapskate for not flying business class?

My cuz flies for BA. Thanks to him on the last trip I took over, I got an upgrade to first going over and biz coming back. Very nice indeed but I am not yet able to bring myself to pay the $14k 1st or $6k biz fare even though I'm in a similar financial position to the original OP. Perhaps the years ...
by hicabob
Thu Oct 20, 2016 11:28 am
Forum: Personal Consumer Issues
Topic: What is a good legit online pharmacy?
Replies: 14
Views: 1164

Re: What is a good legit online pharmacy?

I have used planetdrugsdirect.com previously with good results.
by hicabob
Thu Oct 20, 2016 11:15 am
Forum: Personal Consumer Issues
Topic: Portable battery jumpers
Replies: 14
Views: 1290

Re: Portable battery jumpers

I have one of these lithium battery units (on sale right now for $36!) http://www.newegg.com/Product/Product.aspx?sdtid=9197275&SID=35e13a5e96e011e6b24b5ee37d7b826e0INT&AID=10440897&PID=1225267&nm_mc=AFC-C8Junction&cm_mmc=AFC-C8Junction-_-cables-_-na-_-na&Item=9SIA0WP2W01936&...
by hicabob
Wed Oct 12, 2016 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Admirals Club
Replies: 19
Views: 2995

Re: Admirals Club

3. Status approved in about 2.5 months with proposed Interview Does it take that long to get the card? I applied online a couple of weeks ago and am scheduled to go to Europe early December. It depends where you apply. SFO had a 6 month wait when I applied. People were flying RT to Vegas from the B...
by hicabob
Tue Oct 11, 2016 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Admirals Club
Replies: 19
Views: 2995

Re: Admirals Club

,, applying for this card does not get you TSA Precheck, it does give you a statement credit toward the cost of applying for TSA Precheck. You still have to go through the TSA application process... ..and to add to this, it is worth getting Global Entry (not TSA Pre) as GE *includes* TSA Pre but pr...
by hicabob
Mon Oct 10, 2016 12:01 pm
Forum: Personal Consumer Issues
Topic: Tattoo Costs and Removal
Replies: 39
Views: 3431

Re: Tattoo Costs and Removal

These people are working on a "one year tattoo".
http://www.allure.com/story/removable-tattoo-ink

With normal tattoos apparently the color of the ink determines the ease of laser removal with black being easiest.
by hicabob
Sun Oct 09, 2016 11:13 am
Forum: Personal Consumer Issues
Topic: Controlling high blood pressure
Replies: 16
Views: 1147

Re: Controlling high blood pressure

Indulging in alcohol can bump BP up for some folk.
by hicabob
Fri Oct 07, 2016 11:53 am
Forum: Personal Finance (Not Investing)
Topic: ACA renewal - shop around.
Replies: 29
Views: 2612

Re: ACA renewal - shop around.

Being a 1099 contractor , I am anxious about the rate increases as well. Has anyone had any experiences with independent agents or anything outside the ACA? I used an independent for 2016 - Around here they have exactly the same plan options and cost as if you sign up yourself. The agent told me sh...
by hicabob
Fri Oct 07, 2016 11:50 am
Forum: Personal Finance (Not Investing)
Topic: ACA renewal - shop around.
Replies: 29
Views: 2612

Re: ACA renewal - shop around.

yes, Covered California signup is now open. My current plan (2016) is Blue Shield HSA PPO which effectively means you use Palo Alto Med. Foundation around here since they have built what is essentially a monopoly. Kaiser, which is of course an HMO, has bought facilities here and will be in operation...
by hicabob
Thu Oct 06, 2016 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: ACA renewal - shop around.
Replies: 29
Views: 2612

ACA renewal - shop around.

I had a pleasant surprise doing the annual ACA renewal. Instead of just renewing the old plan, I explored available plans and found Kaiser Permanente has started covering my zipcode which resulted in my premium dropping from $941/month ( blue cross bronze HSA - no subsidy, 60yo ) to $634/month with ...
by hicabob
Sun Oct 02, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: Work in Vancouver, WA..possibly live in Camas?
Replies: 58
Views: 3490

Re: Work in Vancouver, WA..possibly live in Camas?

Doesn't Camas get a lot of plane noise too? I have an interest in the Vancouver area but PDX seems like a noise hazard from watching the plane routes. https://www.flightradar24.com/45.68,-122.53/10 My current house, 60 miles from SFO, ended up being put right under a "nextgen jet superhighway&q...
by hicabob
Tue Sep 27, 2016 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Comcast incorrectly told us there was an internet line - now what? - solved
Replies: 47
Views: 3174

Re: Comcast incorrectly told us there was an internet line - now what?

How can there be no landline available? Isn't universal service the law? If people drop their landline (or DSL) here AT+T will not hook it up again. Thankfully Comcast services the area and is cheaper/better/faster. Comcast ran a 1/4 miles line to my house from the road including adding 1 pole for ...
by hicabob
Sat Sep 24, 2016 6:34 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 91
Views: 7955

Re: Trader Joe's Fans - good value?

The Trader Joe's flyer does remind me of that J Peterman's flyer we all knew and loved.
by hicabob
Sat Sep 24, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 91
Views: 7955

Re: Trader Joe's Fans - good value?

Pound plus chocolate. Really decent Belgian chocolate for about $5 for a pound of it - lasts even me a few days.
The frozen croissants that you let rise overnight. (ones with chocolate in are wonderful).
The triple ginger snaps.
by hicabob
Wed Sep 21, 2016 8:00 pm
Forum: Investing - Theory, News & General
Topic: How exactly does Vanguard work
Replies: 9
Views: 1705

Re: How exactly does Vanguard work

I vaguely remember reading somewhere that Bogle got a waiver from the SEC to allow Wellington's mutual funds to own and pay for the creation of a mutual fund service company. Bogle's agreement with the other directors of Wellington's funds was that the new company would only provide administrative ...
by hicabob
Sat Sep 17, 2016 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Do you really need 2.5 million to retire well?
Replies: 247
Views: 39813

Re: Do you really need 2.5 million to retire well?

Without tongue in cheek, they write that even $5 M doesn't go that far today. After all (they say), a 5.5% return would return only $275k, which after taxes would be about $135k. Barely enough for a decent apartment in NYC. Over a 50% tax rate on a 5.5% return from a 5M portfolio? It must not be a ...
by hicabob
Mon Sep 12, 2016 5:40 pm
Forum: Personal Consumer Issues
Topic: Recommend me an odorless antimicrobial surface cleaner for work
Replies: 16
Views: 1073

Re: Recommend me an odorless antimicrobial surface cleaner for work

I always liked ethanol as a fairly gentle cleaning solvent ..

"A mixture of 70% ethanol or isopropanol diluted in water is effective against a wide spectrum of bacteria"

quote is from this good wikipedia page
https://en.wikipedia.org/wiki/Disinfectant
by hicabob
Tue Sep 06, 2016 10:31 am
Forum: Personal Consumer Issues
Topic: Are LED bulbs getting more efficient?
Replies: 34
Views: 3749

Re: Are LED bulbs getting more efficient?

wrongfunds wrote:where do you recycle working CFL bulbs? I am reluctant to land fill working CFL bulbs.

Home Depot has a program. In my local store the cfl recycle barrel is right by the returns counter.
by hicabob
Sun Sep 04, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: Are LED bulbs getting more efficient?
Replies: 34
Views: 3749

Re: Are LED bulbs getting more efficient?

They certainly are getting more efficient. I just bought some 22 watt/2310 lumen fluorescent tube replacements (6 tubes for $50). I've read 10 lumens per watt is considered good nowadays. Think you meant 100lumens/w Yup - had to do a ninja edit on that. Cree claimed 303 l/w in 2014! ... "DURHA...
by hicabob
Sun Sep 04, 2016 12:33 pm
Forum: Personal Consumer Issues
Topic: Are LED bulbs getting more efficient?
Replies: 34
Views: 3749

Re: Are LED bulbs getting more efficient?

hicabob wrote:They certainly are getting more efficient. I just bought some 22 watt/2310 lumen fluorescent tube replacements (6 tubes for $50). I've read 100 lumens per watt is considered good nowadays.
by hicabob
Sun Sep 04, 2016 12:32 pm
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 52
Views: 3592

Re: Hearing aid 101

The lovable cheapskate, Clark Howard, often does a hearing aid cost rant and tells listeners to try "audio amplifiers" such as hunters use first and for familiarization. Cabela's and similar sell them. Apparently Costco has very good pricing on higher end real hearing aids.
by hicabob
Sun Sep 04, 2016 12:27 pm
Forum: Personal Consumer Issues
Topic: Are LED bulbs getting more efficient?
Replies: 34
Views: 3749

Re: Are LED bulbs getting more efficient?

They certainly are getting more efficient. I just bought some 22 watt/2310 lumen fluorescent tube replacements (6 tubes for $50). I've read 10 lumens per watt is considered good nowadays.
by hicabob
Fri Sep 02, 2016 5:27 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 12273

Re: Which city to start early retirement?

Reno perhaps? (considering the others on the list). Not the fanciest city but better climate than Vegas, great for taxes, and a really good location for outdoorsy stuff.
by hicabob
Fri Sep 02, 2016 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Want to gift daughter stock
Replies: 11
Views: 659

Re: Want to gift daughter stock

Not a problem - she will of course have to pay cap gains on your basis if/when she sells.
by hicabob
Wed Aug 31, 2016 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Spine injury - How can I get health insurance?
Replies: 37
Views: 3934

Re: Spine injury - How can I get health insurance?

ADDED: In California, I think my income is too low to purchase private health care insurance independently. I have tried but I do not think Coverage California will allow me to. I automatically just qualify for medi-cal (government health insurance). Can someone tell me if I am wrong? Yes, you are ...
by hicabob
Sun Aug 28, 2016 11:18 am
Forum: Investing - Theory, News & General
Topic: Retirees Saying No To The Market
Replies: 57
Views: 7660

Re: Retirees Saying No To The Market

My old biz partner has over 8M in CD's. He became distrustful of the market after his wife , who managed their money, lost 50% in 2000. If you have enough $$ it works.
by hicabob
Sat Aug 27, 2016 9:36 am
Forum: Personal Consumer Issues
Topic: Birding in Big Sur
Replies: 7
Views: 400

Re: Birding in Big Sur

There are some California Condors there which are unusual to say the least.
http://www.ventanaws.org/tours/

(tours cancelled due to fire until further notice)
by hicabob
Thu Aug 25, 2016 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Fisher Investment
Replies: 31
Views: 3912

Re: Fisher Investment

You might be interested in this relevant news article. Yikes! Forget the ins and outs of the specific accusation, just read this: About 80 percent of Fisher’s private clients are invested 100 percent in stocks, according to arbitration testimony from Fisher Vice Chairman Andrew Teufel described in ...
by hicabob
Sat Aug 06, 2016 2:19 pm
Forum: Personal Consumer Issues
Topic: Unauthorized Cable Charges
Replies: 8
Views: 1081

Re: Unauthorized Cable Charges

I prefer to discuss credits/refunds/etc over the chat application (and print the record of it)if the website offer it. Telephone companies & cable companies tend to be a tad sleazy when it comes to honoring verbal promises and having a printed record of the chat can make a huge difference.

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