Search found 2178 matches

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: 52
Views: 4573

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: 1087

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: 1921

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: 1518

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: 1182

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: 814

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: 4371

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: 2881

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: 6275

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: 110
Views: 12590

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: 3285

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: 5355

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: 1295

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: 5355

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: 5917

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: 3024

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: 2238

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: 5134

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 ...
by hicabob
Sun Feb 21, 2016 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard estimating a pre-tax 8.1% pa return-overoptimistic???
Replies: 20
Views: 1824

Re: Vanguard estimating a pre-tax 8.1% pa return-overoptimistic???

Here is what Mr Bogle predicts, from a few months ago... " Bogle, however, argues against pulling out of the stock market entirely, saying other asset classes could leave investors in even worse financial shape. "You really don't have a cash option because the return on a money-market fund...
by hicabob
Sun Feb 21, 2016 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Is there a risk of having too much equity in home?
Replies: 25
Views: 3772

Re: Is there a risk of having too much equity in home?

I am watching a situation unfold in my neighborhood where a neighbor has fallen behind and is facing foreclosure. It has escalated to where the home will be auctioned on the courthouse steps next month. Has anyone actually seen a real property auction on the courthouse steps happen? I used to go on...
by hicabob
Sat Feb 20, 2016 4:59 pm
Forum: Personal Consumer Issues
Topic: Sickened by Dole Salad Mix
Replies: 78
Views: 5459

Re: Sickened by Dole Salad Mix

I don't want to eat bleachy tasting vegetables so after that I'm willing to take my chances. You might be surprised that you have already eaten bleach-rinsed vegetables without noticing. One can get two bags of salad greens. Take one bag and rinse in plain water, then in plain water again. This is ...
by hicabob
Wed Feb 17, 2016 5:22 pm
Forum: Personal Consumer Issues
Topic: Costco: 6 quarts of Mobil 1 $27.99, normally $37.99
Replies: 20
Views: 1855

Re: Costco: 6 quarts of Mobil 1 $27.99, normally $37.99

A 6-pack of mobil1 is 27.99 at Amazon too. Even the harder to get 0-40. Free shipping with prime.
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: 96
Views: 10199

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: 100
Views: 16859

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: 2606

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: 222
Views: 14029

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: 1357

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: 131
Views: 7783

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: 421

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: 724

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: 4793

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: 2571

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: 6528

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: 2389

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: 6284

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: 478

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: 1739

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: 5421

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: 8186

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: 1202

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: 2585

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: 1652

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: 285

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: 1619

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: 4761

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: 1233

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: 6241

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: 1058

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: 2781

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: 751

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...

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