Search found 2413 matches

by hicabob
Sun Jun 25, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: SPF Driving Gloves
Replies: 6
Views: 431

Re: SPF Driving Gloves

This fellow got internet famous for his sun exposure while driving
http://www.cbsnews.com/news/trucker-acc ... -the-road/
by hicabob
Sun Jun 25, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: SPF Driving Gloves
Replies: 6
Views: 431

Re: SPF Driving Gloves

A sort of interesting and relevant fact is that windshields are really good at blocking UV due to the plastic goop lamination layer . Side widows are not so good though.
by hicabob
Fri Jun 23, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Personal training and massage expenses
Replies: 14
Views: 1157

Re: Personal training and massage expenses

hicabob wrote:A lot of employers have a health club membership as a perquisite without it appearing on a W2.



edit ... I was a US employee of a Canadian company when in this situation so perhaps they didn't report correctly to the IRS?
by hicabob
Fri Jun 23, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Personal training and massage expenses
Replies: 14
Views: 1157

Re: Personal training and massage expenses

A lot of employers have a health club membership as a perquisite without it appearing on a W2.
by hicabob
Mon Jun 19, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: New Septic System for my Parents
Replies: 10
Views: 760

Re: New Septic System for my Parents

Where I live you have to get a permit, then a drawing signed off by a fellow who used to work with the planning and zoning department and who seemed to have a county monopoly on that "service" when I went thru the process. He was a nice and competent enough, but expensive for the work perf...
by hicabob
Sat Jun 17, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid Capital Gain Tax
Replies: 4
Views: 945

Re: How to avoid Capital Gain Tax

Owner financing perhaps? Many years ago when I bought my first house, the owner gave me a loan to avoid him taking the cap gains hit. He was upset 5 years later when I sold the house and paid him off resulting in him having to pay cap gains, but as my realtor said "time to pay the piper".
by hicabob
Fri Jun 16, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: URGENT TIME SENSITIVE: Deathbed Roth
Replies: 45
Views: 4135

Re: URGENT TIME SENSITIVE: Deathbed Roth

Inheriting a pre-tax IRA always seems to get slammed, but a layman's read of the rules seems that it's not so bad to me since the benefactor can spread out the income thus taxes. Especially if the decedent was in a reasonably high tax bracket. I was thinking about it since I have a couple very decen...
by hicabob
Fri Jun 16, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 101
Views: 9870

Re: Amazon Buys Whole Foods

TomatoTomahto wrote:Maybe I will shop there again.

A friend of mine was barred from WF for absentmindedly eating a few grapes while waiting to check out. I stopped shopping there in solidarity.

I thought their policy was a sample of anything a customer wants to try? My kid wanted to test that policy with caviar.
by hicabob
Wed Jun 14, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: Best Cheap Champagne
Replies: 60
Views: 3693

Re: Best Cheap Champagne

Trader Joe's Blanc de blanc is good and about $6. Not from Champagne region but it's dry, French, bubbly & white.
by hicabob
Wed Jun 14, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Cooktop died, not repairable, need recommendations
Replies: 36
Views: 1828

Re: Cooktop died, not repairable, need recommendations

Why is the electric cooktop not repairable? Burners are replaceable and so are the switches that control them. What is the nature of the failure? I thought so too. but OP says he hates it. Sounds like a good excuse to get something better. Trouble is, with conventional electics (not induction) you ...
by hicabob
Tue Jun 13, 2017 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Started a new job - Need advice on health insurance
Replies: 17
Views: 884

Re: Started a new job - Need advice on health insurance

That's cheap -the HSA can be a a really nice, tax advantaged savings program if you don't plan to see the docs much and do the full contribution.
by hicabob
Mon Jun 05, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: SL Mercedes owners
Replies: 2
Views: 612

Re: SL Mercedes owners

My Dad had one years ago. Really nice car to drive but that's an expensive car to own and quite cheap to buy used for a reason.
by hicabob
Mon Jun 05, 2017 6:03 pm
Forum: Personal Consumer Issues
Topic: How to find best but the cheapest red wine for better health?
Replies: 14
Views: 886

Re: How to find best but the cheapest red wine for better health?

If resveratrol consumption is the aim and you do not currently drink alcohol, grape juice might be a better solution than starting to drink alcohol? It contains as much resveratrol as wine.
by hicabob
Mon Jun 05, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: Favorite Thriller Authors and Why
Replies: 54
Views: 5701

Re: Favorite Thriller Authors and Why

The Charlie Chan detective novels by Earl Biggers are nicely written and fun. Not very widely appreciated it seems and some object to the Asian stereotypes but I find them to be good "airplane books" with interesting plots and a different historical perspective than usual being that the se...
by hicabob
Sat Jun 03, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: car oil changes a scam maybe ?
Replies: 18
Views: 1376

Re: car oil changes a scam maybe ?

I have seen a couple examples of cars lasting about 50-60k before the engines needed replacing due to never having had the oil changed.
by hicabob
Fri Jun 02, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: help assessing risk of promissory note w/ Techshop, Inc.
Replies: 35
Views: 4945

Re: help assessing risk of promissory note w/ Techshop, Inc.

I hate to say it, but this sounds like a Ponzi Scheme to me. Are the promissory notes secured by any thing? Even if it's not a Ponzi Scheme, it doesn't look like the investors will get their money back. It was a nice idea. Seems like they want to try a franchise model instead? I took a class on pow...
by hicabob
Fri Jun 02, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Responding to a weird job interview question..
Replies: 31
Views: 2962

Re: Responding to a weird job interview question..

Acceptable vulgarity levels at workplaces seem to vary significantly by location. I love the NYC area but the blue collar workers there certainly have some interesting speech patterns. :shock: At exhibitions my German associates would always chuckle when we went by a UK booth during setup due to the...
by hicabob
Thu Jun 01, 2017 5:48 pm
Forum: Investing - Theory, News & General
Topic: Mr. Bogle and Me - a true story
Replies: 21
Views: 7925

Re: Mr. Bogle and Me - a true story

Great story - thanks for bumping. I noticed one of those Bogle Bobbleheads currently up for auction on a popular online auction site - they must have been rare based on the price. The $500 for the ebay Bogle Bobblehead (no bids yet, 850 buy it now) seems like a bargain since it possesses such power...
by hicabob
Thu Jun 01, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 45
Views: 2296

Re: Changing Car Cabin Air Filter - after how much time

I pulled a dead mouse out when I changed mine looking for the source of a really nasty smell. The mouse had made a nest on it. The truck smelled a lot better afterwards.
by hicabob
Tue May 30, 2017 8:50 am
Forum: Personal Finance (Not Investing)
Topic: biz renter skipped out - what are options
Replies: 10
Views: 1996

Re: biz renter skipped out - what are options

A lot depends on if the property lease was to the individual or to the business.
by hicabob
Sun May 28, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: Paying someone to build a website
Replies: 28
Views: 2302

Re: Paying someone to build a website

I think it's best to pick someone with the idea that they will be providing on-going support for the inevitable changes and corrections you will want over time. I found that the trouble with getting a cheap yet semi-competent person is they go off to school, or get a real job and then are not suffic...
by hicabob
Sat May 27, 2017 4:00 pm
Forum: Investing - Theory, News & General
Topic: Why are capital gains taxed lower than div/interest?
Replies: 20
Views: 1463

Re: Why are capital gains taxed lower than div/interest?

This wikipedia article is interesting for the history and rationale of cap gains taxes in the US.
https://en.wikipedia.org/wiki/Capital_g ... ted_States
by hicabob
Sat May 27, 2017 1:15 pm
Forum: Investing - Theory, News & General
Topic: Why are capital gains taxed lower than div/interest?
Replies: 20
Views: 1463

Re: Why are capital gains taxed lower than div/interest?

One reason is that capital gains represent not only gains in value after inflation but also inflation. It seems wrong to tax people on inflation. It is also a way of rewarding people for making longer term investments. Not to me. Oh brother! California franchise tax board agrees with dm200, persona...
by hicabob
Fri May 26, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: Septic Pumping - Did I get ripped off?
Replies: 45
Views: 3918

Re: Septic Pumping - Did I get ripped off?

Where I live the septic man has to pay $85 per 1000 gallons dumped at the waste treatment plant which accounts for a significant part of the cost.
by hicabob
Mon May 22, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Need advice from FF miles experts
Replies: 25
Views: 2124

Re: Need advice from FF miles experts

I'm happy at 1.5 cents / ff mile irregardless of cost.
by hicabob
Sun May 21, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Taxes on bitcoins
Replies: 6
Views: 867

Re: Taxes on bitcoins

20% + 3.8% aca since it would be long term. I'd bet most bitcoin sellers don't pay it though.
by hicabob
Sat May 20, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: tesla's valuation
Replies: 15
Views: 1192

Re: tesla's valuation

I misremembered, it was not Bill Joy but Scott McNealy ... the "what were you thinking" quote... from Bloomberg "A: No, she trained me well, and the stock made a nice move since we got married. But two years ago we were selling at 10 times revenues when we were at $64. At 10 times rev...
by hicabob
Sat May 20, 2017 9:31 am
Forum: Personal Finance (Not Investing)
Topic: tesla's valuation
Replies: 15
Views: 1192

tesla's valuation

From the Guardian ... " During the phone interview, Musk addressed Tesla's $50 billion market cap: "I do believe this market cap is higher than we have any right to deserve.""

Any other old timers remember when Bill Joy said that about Sun Micro?
by hicabob
Thu May 18, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 3355

Re: Rice Cooker

I think the new electric pressure cookers such as instant pot beat a rice cooker for most things, but I have and use both on the countertop.
IP (instant pot) brown rice is the best ever.
by hicabob
Thu May 18, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Question for you high net worth individuals... [real estate investments]
Replies: 82
Views: 10468

Re: Question for you high net worth individuals...

About 15% thanks to the greater bay area real estate boom over the last few decades. Just my personal house but I traded up a couple times.
by hicabob
Thu May 18, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Tire Puncture - plug from outside or patch and plug from inside
Replies: 31
Views: 1776

Re: Tire Puncture - plug from outside or patch and plug from inside

Costco always removes the tire, patches from inside then rebalances. They also check to see if the flat tire has been driven on too much evidenced by loose particles of the stuff they put on the inside of the tire to help air retention, which ruins the tire although it might look ok.
by hicabob
Mon May 15, 2017 12:07 pm
Forum: Investing - Theory, News & General
Topic: BRK.A/B a dangerous long term play?
Replies: 20
Views: 1924

Re: BRK.A/B a dangerous long term play?

Warren is a youngster compared to his co-captain, Charlie Munger.
by hicabob
Mon May 15, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Replace floor BEFORE or AFTER New Cabinets?
Replies: 27
Views: 2422

Re: Replace floor BEFORE or AFTER New Cabinets?

I also had the floor put in last. If you put it in first you may not get the dishwasher to fit. And if you put the floor in afterwards, you may be tiling your dishwasher in place. ;) Yes, I've seen it done. Our preference is flooring first. I've done it! I put down tile and it was high enough that ...
by hicabob
Sun May 14, 2017 3:19 pm
Forum: Investing - Theory, News & General
Topic: This is how many fund managers actually beat index funds
Replies: 9
Views: 3155

This is how many fund managers actually beat index funds

Preaching to the choir here but Mark Hulbert always writes well. http://www.marketwatch.com/story/why-way-fewer-actively-managed-funds-beat-the-sp-than-we-thought-2017-04-24?siteid=yhoof2&yptr=yahoo This part seems to be claiming that a fiduciary responsibility would require index funds recs fro...
by hicabob
Sun May 14, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Replace floor BEFORE or AFTER New Cabinets?
Replies: 27
Views: 2422

Re: Replace floor BEFORE or AFTER New Cabinets?

Before seems to be the accepted way here. It uses a little more tile but looks better and tile under the dishwasher is a good idea.
by hicabob
Sat May 13, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Do we need a separate water filtration system?
Replies: 13
Views: 981

Re: Do we need a separate water filtration system?

It depends upon how you feel about trace elements of fluoride, disinfectants and many commonly prescribed human and animal medicines in your drinking water- Christian Daughton, a Chief of Environmental Chemist for the E.P.A., warns that “Water pollution by drugs is a newly emerging issue.” The real...
by hicabob
Thu May 11, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: Do we need a separate water filtration system?
Replies: 13
Views: 981

Re: Do we need a separate water filtration system?

wait, how does it waste 2 gallons of water for each filtered? is it the filter or the softener that does it. Our city has somewhat hard water, but it's not really a problem except for getting white junk on the shower head. Reverse Osmosis systems do waste a lot of water. I think lower pressure == m...
by hicabob
Wed May 10, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: gmail and google
Replies: 9
Views: 1730

Re: gmail and google

what do you mean by "google account"? I always considered my gmail login to be my google account.
gmail does let you import email from other accounts so perhaps that is what was setup?
by hicabob
Tue May 09, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Renting correct size car
Replies: 33
Views: 2676

Re: Renting correct size car

The 200 is ok for 3 in the back if everyone in the back is under 150 lbs or so. They do have about the worst headlights on any car I've ever rented though.
by hicabob
Sat May 06, 2017 9:13 am
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 18593

Re: Why save so much for when you're old?

So that your physical capital increases as your human capital decreases which keeps life relatively balanced in a manner.
by hicabob
Wed May 03, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 301
Views: 41283

Re: What is your favorite consumer product?

Targeted to a specific set of consumers perhaps but I have to give a shout-out to a new favorite of mine, the clog-hog! http://www.cloghog.com/proddetail.php?prod=100-Ft-Residential-Drain-Cleaner I've had a persistent clogging problem in the main line, rented snakes a few times, pulled toilets, etc....
by hicabob
Tue May 02, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24696

Re: Where to Live on $60K or Less a Year?

Arcata California perhaps? I think it checks all the boxes except perhaps low crime rate.
by hicabob
Tue May 02, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Value of Small Business
Replies: 4
Views: 505

Re: Value of Small Business

2 to 5 times net profit was my cpa's approximation, that is after paying a reasonable salary.
by hicabob
Mon May 01, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Recs for moisturizer w sunscreen please.
Replies: 15
Views: 1405

Re: Recs for moisturizer w sunscreen please.

It's not very fancy compared to the above but as a regular sunscreen user I have gravitated to Lubriderm with sunscreen. It's just spf15 but really nice so you can slather it on and it get absorbed quickly. It has excellent pricing too. http://www.target.com/p/lubriderm-174-daily-moisture-body-lotio...
by hicabob
Mon May 01, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Six Flags or Gilroy Garden for 4 and 7 year old
Replies: 5
Views: 623

Re: Six Flags or Gilroy Garden for 4 and 7 year old

Kids that age love the Santa Cruz Boardwalk if you don't mid the drive over 17 and they can mess about in the ocean too. Limited rides m-f until summer, weekends all open.
by hicabob
Sun Apr 30, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with regret
Replies: 102
Views: 8979

Re: Dealing with regret

We refer to that as "woulda, coulda, shoulda" in my household then open a beer and forget about it. Every investor has many of these.
by hicabob
Sat Apr 29, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 12134

Re: Will cars be autonomous in three years?

I just saw this article in which Musk is saying 2 more years for level 5 on Tesla's

https://electrek.co/2017/04/29/elon-mus ... s-driving/
by hicabob
Sat Apr 29, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance? How much to get? How much do people have?
Replies: 8
Views: 803

Re: Auto Insurance? How much to get? How much do people have?

I have 2 million liability - no umbrella - highest deductible. The other parts are not very significant to me although I have the usual comprehensive on the new car for some silly reason.
by hicabob
Fri Apr 28, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Law Changes
Replies: 13
Views: 1001

Re: Tax Law Changes

So if you think a change in the law is reasonably likely to happen, you might try to position yourself to take advantage of it. I timed a business sale to occur before a California tax increase. The governor foiled me by making the relevant change retroactive, which surprisingly enough is absolutel...

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