Search found 2221 matches

by hicabob
Sat Aug 06, 2016 2:19 pm
Forum: Personal Consumer Issues
Topic: Unauthorized Cable Charges
Replies: 8
Views: 996

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: 2902

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: 82
Views: 8555

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: 1155

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: 1889

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: 1889

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: 2042

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: 82
Views: 8555

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: 2042

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: 2042

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: 3367

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: 6602

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: 1110

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: 2445

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: 2445

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: 2360

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: 1947

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: 1091

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: 5183

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: 5784

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: 2707

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: 2407

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: 1640

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: 4699

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: 4699

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: 618

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: 7744

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: 4891

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: 6037

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: 4354

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: 3033

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: 1296

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.
by hicabob
Sun Jun 05, 2016 7:44 pm
Forum: Personal Consumer Issues
Topic: Elio Car
Replies: 89
Views: 9637

Re: Elio Car

I saw a fairly slick ad on the TV for the Elio car today while at the gym. Still just taking reservations but the $6800 "goal price" remains.
by hicabob
Sat Jun 04, 2016 9:50 am
Forum: Personal Consumer Issues
Topic: Leave garage door open?
Replies: 109
Views: 9470

Re: Leave garage door open?

My personal experience is small (N=3) and I don't count the cycles, but it's consistent with a bit more than 10,000 cycles before they go ping. I was chatting to the fellow who was installing a garage door for me and he recommended spraying the springs with wd-40 annually to increase the life, when...
by hicabob
Sat Jun 04, 2016 9:33 am
Forum: Personal Consumer Issues
Topic: Leave garage door open?
Replies: 109
Views: 9470

Re: Leave garage door open?

I had a cat who, unbeknownst to me, liked to sleep on top of the opened sectional garage door. My wife closed the door and left. I was working nearby and heard nasty yowling and the cat was pinned between the top of the door and the frame. I pressed the button to open the door, the cat fell down and...
by hicabob
Thu Jun 02, 2016 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: It's not shady to move States for tax reasons is it?
Replies: 48
Views: 4882

Re: It's not shady to move States for tax reasons is it?

Best to check with your CPA first. I had the same idea when I was selling my little company a few years ago for a nice sum but my cpa assured me the dreaded "California tax claw" would pursue "their money".
by hicabob
Mon May 30, 2016 1:16 am
Forum: Investing - Help with Personal Investments
Topic: Investing when you have an estranged spouse
Replies: 274
Views: 16081

Re: Investing when you have an estranged spouse

I would not sign a joint return without visibility of my partners assets and income. Too much risk. Other than that, I have nothing constructive to add. God bless you and your children. Harry Exactly - I have taught my kids to not sign anything until they have read it and have some comprehension of...
by hicabob
Fri May 13, 2016 10:57 am
Forum: Personal Finance (Not Investing)
Topic: selling classic car - tax?
Replies: 44
Views: 3001

Re: selling classic car - tax?

montanagirl wrote:I don't see the difference between selling an old Mustang and selling some stock bought at the same time. Both are capital assets, yes? to report on sch D and form 8949?



Not quite the same - since if you tried to claim a long term loss on a car you sold I wouldn't expect the IRS to accept it.
by hicabob
Sun May 08, 2016 8:19 am
Forum: Personal Consumer Issues
Topic: Whimsical Posting: Pneumatic Tubes
Replies: 8
Views: 837

Re: Whimsical Posting: Pneumatic Tubes

My local costco has them! Mr Musk will have us all riding around in them in 20 years or so hopefully.
by hicabob
Fri May 06, 2016 3:49 pm
Forum: Personal Consumer Issues
Topic: how much cash do you carry in your wallet?
Replies: 152
Views: 14876

Re: how much cash do you carry in your wallet?

A couple hundred usually. Cash comes in handy sometimes. A couple days ago the local power companies contracted tree trimmers came up my long driveway with a huge bucket truck. They parked it right next to a dead 90 foot oak I have been planning to get cut down since it could hit the house if it fel...
by hicabob
Fri May 06, 2016 12:19 pm
Forum: Investing - Theory, News & General
Topic: "When Mediocrity Trumps Brilliance"
Replies: 2
Views: 551

Re: "When Mediocrity Trumps Brilliance"

Warren Buffet is sounding more and more like Mr Bogle these days. "His simple Vanguard S&P 500 (VFINX) fund has delivered returns more than 40 points higher than those of the hedge fund. “I believe this is the most important investment lesson in the world,” he said." “[Losing by 40 poi...
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: 53
Views: 5624

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: 1191

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: 4057

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: 1724

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: 1323

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: 928

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: 4988

Re: Free old BMW worth it?

5 series have always been super safe and very nice to drive cars.

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