Search found 2301 matches

by hicabob
Mon Jan 23, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: Instant Pot - your favorite uses?
Replies: 18
Views: 2667

Re: Instant Pot - your favorite uses?

So, how do you get any browning/searing on meat for flavor? In fact it has a sear button that works very well. From an enginerds point of view, the "pot" is heavy gauge stainless which sits on top of a form fitting, quite powerful heating element with a spring thermostat in the middle. Li...
by hicabob
Mon Jan 23, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Getting rid of mice
Replies: 94
Views: 4759

Re: Getting rid of mice

Dumb question: Is Copper Mesh the same as Copper Wool? No. Copper mesh is like screen wire. Copper wool is something like a Brillo pad, only made of copper. Most convenience stores sell it. Probably next to the fake roses in the glass tubes. :( I used to be an advocate of the snap traps for mouse c...
by hicabob
Sat Jan 21, 2017 12:00 pm
Forum: Investing - Theory, News & General
Topic: Forever Stamps as an Investment?
Replies: 72
Views: 8391

Re: Forever Stamps as an Investment?

Costco was pushing the stamps last week. When solicited to buy stamps, the late twenties fellow in front of me responded that he had never used a stamp in his life!
by hicabob
Thu Jan 19, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Never had a credit card, should I get one?
Replies: 71
Views: 2459

Re: Never had a credit card, should I get one?

My dentist gives a big 5% discount for cash or check.
by hicabob
Wed Jan 18, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Why does Vanguard requires medallion for MM IRA Transfer
Replies: 29
Views: 1640

Re: Why does Vanguard requires medallion for MM IRA Transfer

I transferred some individual stock to one of my kids from my Vanguard account to his. They required a medallion which involved making an appointment, going to Wells Fargo, sitting down with a banker and explaining the transaction prior to getting signed off. It's a pain but I could see it being inv...
by hicabob
Wed Jan 18, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Iowa Steak Company
Replies: 42
Views: 2830

Re: Iowa Steak Company

Just about any reputable place will dispose of returned frozen or refrigerated items instead of reselling. Consumers keeping frozen stuff properly frozen is not a good assumption. Iowa steaks sounds like the epitome of a sleazy company but OP's situation does sound like buyer's remorse after a slick...
by hicabob
Sun Jan 15, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Online legal service/form - simple will?
Replies: 12
Views: 732

Re: Online legal service/form - simple will?

Here's one from the CA state bar - legal in California and gives you an idea of what a will entails.

http://www.calbar.ca.gov/Portals/0/docu ... l-Form.pdf
by hicabob
Sat Jan 14, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 9193

Re: How much do you typically spend in a restaurant?

Caduceus wrote: I've come to the conclusion that street food is better than Michelin-starred restaurants 9 out of 10 times. 8-)



I saw this a while ago ... Michelin starred street food for $2 in Singapore

http://www.npr.org/2016/08/20/490738782 ... helin-star
by hicabob
Sat Jan 14, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Berlin upon retiring. Please critique my plan.
Replies: 17
Views: 1863

Re: Relocating to Berlin upon retiring. Please critique my plan.

If that were my plan I'd start learning German asap.
by hicabob
Fri Jan 13, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree health care premium before reaching medicare age
Replies: 17
Views: 1171

Re: Retiree health care premium before reaching medicare age

We are pre-medicare, in a plan much as you outline. Cost = $900/month. :shock: If I interpret the OP correctly, the need/desire is coverage for two adults (spouses) and two children. Depending on what happens with ACA, I would speculate that the costs for such coverage is likely to be much, much hi...
by hicabob
Thu Jan 12, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: Dishwasher Maintenance
Replies: 12
Views: 1569

Re: Dishwasher Maintenance

citric acid is the active ingredient in dishwasher descalers.

https://www.amazon.com/Milliard-Citric- ... acid&psc=1

Having a well with 12 grain water I buy it by the 5 pound bag.
by hicabob
Thu Jan 12, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Early Retirement in Mexico, Healthcare
Replies: 9
Views: 2084

Re: Early Retirement in Mexico, Healthcare

I will be following too. I expect "healthcare tourism" for Americans in Mexico, is about to have quite the dramatic increase similar to what we have seen with dentistry.
by hicabob
Wed Jan 11, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: New Amazon Prime card, no annual fee, 5%(!) back on Amazon purchases
Replies: 72
Views: 6677

Re: New Amazon Prime card, no annual fee, 5%(!) back on Amazon purchases

Apparently it's one of those aluminium cards too. I suppose you have to take them out prior to going thru airport metal detectors?
by hicabob
Tue Jan 10, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Do you really need 2.5 million to retire well?
Replies: 267
Views: 46686

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

2.5 MM ? No you don't need that. My wife and I have income from pensions and SS which will be about 80K when we start taking SS. $80,000 a year from pensions and SS is the same as pulling 4% from $2 million. Wish I had a pension :( I'd rather have $2M Agreed - I would say 80k/yr from pensions is mo...
by hicabob
Sun Jan 08, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: What should be our third exercise machine?
Replies: 42
Views: 2241

Re: What should be our third exercise machine?

Reclining bike: I like these as a change of pace, but it seems like cheating Upright bike: maybe it's the seat or my anatomy, but I find myself getting numb in places I don't like to be numb Stairclimber: I haven't used one in a while Rowing machine: these seem to be a great workout, but many peopl...
by hicabob
Fri Jan 06, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Tell me all about snowblowers
Replies: 42
Views: 2434

Re: Tell me all about snowblowers

My dear 86yo dad who lives in the great white north has a pretty big one with a very nice feature. To start it you plug it into the 110 volt socket and press a button, unplug it and go to work - highly recommended feature.
by hicabob
Thu Jan 05, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Inflation and housing prices.
Replies: 11
Views: 859

Re: Inflation and housing prices.

A single family house in that price range would rent for about 4000 - 5000/mo in San Jose.
by hicabob
Wed Jan 04, 2017 6:33 pm
Forum: Personal Consumer Issues
Topic: How to dress for winter vacation in Alberta
Replies: 45
Views: 2278

Re: How to dress for winter vacation in Alberta

Canadians like their Canada Goose Parkas. $1000 or so but they are warm.

https://www.cdnicons.com/collections/pa ... oCml_w_wcB
by hicabob
Wed Jan 04, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Avoiding Hacking / Responsible Steps To Take Online
Replies: 18
Views: 1657

Re: Avoiding Hacking / Responsible Steps To Take Online

Definitely password security is the key. Perhaps it would be better if "guessing/getting your password" was used instead of the word "hacking" more frequently. It doesn't sound so dramatic though.
by hicabob
Tue Jan 03, 2017 5:20 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 27145

Re: Whats your number to walk away?

For people without ironclad healthcare pensions (Federal Govt and Military) are people just winging their healthcare future costs? I have started to look into self-insuring and 10M allocation to it still makes me nervous. Perhaps 20M would be ironclad? The scary part is the open ended nature: any n...
by hicabob
Tue Jan 03, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: A kitchen timer made in the USA.........
Replies: 22
Views: 1761

Re: A kitchen timer made in the USA.........

I believe they manufacture in several locations, so may need to check: http://www.thermoworks.com/Timers I second the Thermoworks " Big and Loud". It's perfect other than being a bit too loud for me (even on quiet setting in a big house) which I remedied nicely with scotch tape over the s...
by hicabob
Mon Jan 02, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: Mechanic crashed car on delivery. Who's responsible to make whole?
Replies: 29
Views: 4047

Re: Mechanic crashed car on delivery. Who's responsible to make whole?

A while ago I needed to find out if insurance follows the car or the driver. Usually it seems liability follows the driver, collision/comprehensive follows the car. This article is informative.
http://www.claimsjournal.com/news/natio ... 249762.htm
by hicabob
Sat Dec 24, 2016 12:54 pm
Forum: Personal Consumer Issues
Topic: Las Vegas - should I do anything?
Replies: 34
Views: 2915

Re: Las Vegas - should I do anything?

Play with a bulldozer https://www.viator.com/tours/Las-Vegas/Dig-This-Heavy-Equipment-Playground/d684-5662DIG or shoot a machine gun if that rings your bell? https://machinegunsvegas.com/ or rent a Ferrari for a day and drive to Hoover dam https://www.gothamdreamcars.com/exotic-car-rental/las-vegas ...
by hicabob
Fri Dec 23, 2016 1:37 pm
Forum: Investing - Theory, News & General
Topic: Financial Independence is not the Holy Grail
Replies: 85
Views: 9015

Re: Financial Independence is not the Holy Grail

Sure, being able to do what I want when I want without ever having to worry about money is not appealing at all. It's much better to toil away making someone else financially independent. :? lol! I too agree that FI is really nice. I think part of the disconnect is that due to the nature of the job...
by hicabob
Wed Dec 21, 2016 2:14 pm
Forum: Personal Consumer Issues
Topic: Shipping Large Items Cross-Country?
Replies: 10
Views: 831

Re: Shipping Large Items Cross-Country?

freightquote.com is useful. Fedex freight used to give a really nice discount for first time users. Of course if shipping freight put the barrels on a pallet so a forklift is usable. For fedex freight I used to drive my pickup with the loaded pallet in the back down to the freight station where they...
by hicabob
Mon Dec 19, 2016 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of person buys a franchise?
Replies: 49
Views: 5304

Re: What kind of person buys a franchise?

Some folk do very well indeed from franchises. A few years back I rented a couple thousand feet of space in a nice tilt-up facility. The tenant next door had many exotic cars such as a Ford GT and a Lambo among others. Upon chatting to the frequent resident, I learned he was a private mechanic for a...
by hicabob
Sun Dec 18, 2016 9:43 am
Forum: Personal Consumer Issues
Topic: Can I use this as a carry on?
Replies: 10
Views: 1086

Re: Can I use this as a carry on?

Many airlines outside the US require smaller sizes even for modern decent size planes . ... 55cm H x 40cm W x 20cm D (21.65 x 15.74 x 7.87 inches) is the Ryanair max and not atypical for EU airlines. Air Berlin has an 8kg limit too, which is quite stingy.
by hicabob
Wed Dec 14, 2016 6:20 pm
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 7256

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

AWD goes better in snow than FWD but doesn't stop any better. One could argue stopping is more important.
by hicabob
Fri Dec 09, 2016 12:12 pm
Forum: Personal Consumer Issues
Topic: Simple pedometer
Replies: 8
Views: 474

Re: Simple pedometer

You could always go old school - this looks like a nice device https://www.etsy.com/listing/463958115/vintage-mechanical-pedometer-by-new?utm_source=google&utm_medium=cpc&utm_campaign=shopping_us_c-accessories-other&utm_custom1=320f26d6-0e05-444e-831f-2f4f1b20e3a1&gclid=CjwKEAiAyanCB...
by hicabob
Thu Dec 08, 2016 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Where to move to for lowest health care costs (for nomad types)
Replies: 34
Views: 2884

Re: Where to move to for lowest health care costs (for nomad types)

Well, it depends how important health care cost for you. I believe Texas still has one of the lowest healthcare cost in the nation, along with California, Utah and NewMexico - there was a nice article about that: http://www.huffingtonpost.com/gobankingrates/10-best-and-worst-states_b_9030422.html. ...
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: 2006

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: 104
Views: 6277

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: 5402

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: 8898

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: 982

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: 4904

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: 55
Views: 5706

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: 3566

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: 2314

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: 5551

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: 1543

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: 3672

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: 11084

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: 11084

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: 4707

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: 5530

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: 11659

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: 11659

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.

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