Search found 2237 matches

by hicabob
Sat Sep 24, 2016 6:34 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 62
Views: 4353

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: 62
Views: 4353

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: 1585

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: 37980

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: 940

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: 3480

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: 3480

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: 3480

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: 3167

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: 3480

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: 11305

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: 599

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: 31
Views: 2442

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: 7327

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: 358

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: 3694

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: 1034

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.
by hicabob
Thu Aug 04, 2016 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Depending on stability of ACA marketplace for next 8 years?
Replies: 40
Views: 2994

Re: Depending on stability of ACA marketplace for next 8 years?

It hasn't been stable yet so why should it start to be? My ACA rates have gone up between 10 and 20% each year. Being an unsubsidized ACA consumer I'm happy that Kaiser will be an option for me next year which, judging by close by communities where they are an option, should reduce premiums by about...
by hicabob
Tue Aug 02, 2016 12:09 pm
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 92
Views: 10216

Re: Costco rotisserie chicken

I don't mean to be snooty, but I would NEVER buy a pre-cooked chicken. I see them in their warm little plastic capsules and wonder what the bacteria count might be. Plus, I like to experiment. Here's my latest try, which is really good (though I de-greased the pan drippings): https://www.youtube.co...
by hicabob
Sat Jul 30, 2016 6:17 pm
Forum: Personal Consumer Issues
Topic: Sink Hole in Yard
Replies: 9
Views: 1176

Re: Sink Hole in Yard

I'd throw dirt into it and wait and see what happens after rains.
by hicabob
Fri Jul 29, 2016 6:29 pm
Forum: Personal Consumer Issues
Topic: Never owned a cell phone.
Replies: 41
Views: 2013

Re: Never owned a cell phone.

The annoying part is that it's a phone but you have to have a text phone, not just any cell phone. Curmudgeon/luddite signing off now.. Wait... What does "text phone" mean? The most basic throwaway prepaid flip phone can send and receive text messages. Not sure that there is any cellphone...
by hicabob
Fri Jul 29, 2016 5:28 pm
Forum: Personal Consumer Issues
Topic: Never owned a cell phone.
Replies: 41
Views: 2013

Re: Never owned a cell phone.

I got the same email from SS - that they will require a cell phone to text to for 2 factor authentication for those wishing to use their website. My voip google phone can accept text messages and the price is right, free (after you buy the obihai unit) so that might work for those with decent intern...
by hicabob
Fri Jul 29, 2016 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: MRI Price [Magnetic Resonance Imaging]
Replies: 35
Views: 2101

Re: MRI Price

I wonder if there is any difference in the machine used between a $400 MRI and a $2400 MRI. Resolution perhaps?
by hicabob
Thu Jul 28, 2016 7:28 pm
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 92
Views: 10216

Re: Costco rotisserie chicken

I There is something about the precooked chicken we didn't care for, but it has been years since we bought them so I don't recall exactly what it was that we didn't like. I occasionally buy one when I feel lazy but it is over salty, has quite a few preservatives in it (potassium nitrate?) and the w...
by hicabob
Wed Jul 27, 2016 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: MRI Price [Magnetic Resonance Imaging]
Replies: 35
Views: 2101

Re: MRI Price

$440 seems cheap! I had an MRI w/ contrast recently - $2700 and change. About 30 minutes of time in the machine. That include the radiologist looking at it, but it was in Palo Alto (PAMF) so that probably explains most of it. You actually paid $2700 towards your deductible? I know the radiologist w...
by hicabob
Wed Jul 27, 2016 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: MRI Price [Magnetic Resonance Imaging]
Replies: 35
Views: 2101

Re: MRI Price

$440 seems cheap! I had an MRI w/ contrast recently - $2700 and change. About 30 minutes of time in the machine. That include the radiologist looking at it, but it was in Palo Alto (PAMF) so that probably explains most of it.
by hicabob
Tue Jul 26, 2016 4:18 pm
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 45
Views: 3437

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: 36
Views: 6708

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: 1144

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: 36
Views: 2533

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: 36
Views: 2533

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: 2426

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: 2006

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: 1139

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: 5315

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: 6055

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: 2750

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: 2448

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: 1669

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: 5889

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: 5889

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: 633

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: 7899

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: 5004

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: 6155

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: 4397

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: 3079

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: 1313

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.

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