Search found 2321 matches

by hicabob
Wed Feb 22, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: asphalt floor inside steel shed?
Replies: 3
Views: 320

Re: asphalt floor inside steel shed?

It's quite soft and smells. I expect the concentrated fumes are not much of a health benefit.
by hicabob
Wed Feb 22, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: new lowest price rental car vendor
Replies: 7
Views: 618

Re: new lowest price rental car vendor

I also just tried to compare Autoslash against an existing reservation at Costco, but they won't give me a quote with me first giving them my email address. No thank you. You're not getting my personal information until I'm certain I'm doing business with you. Also, the great thing about Costco ren...
by hicabob
Wed Feb 22, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: new lowest price rental car vendor
Replies: 7
Views: 618

Re: new lowest price rental car vendor

I've never seen anyone beat the local used car lot, $20 per day but the last time I used them I was under 25. I got really close to your 20 including tax and fees (Intermediate car at pdx) ..... Weekly rate Subtotal$89.82 Taxes and Fees $51.76 Total$141.58 I too had occasion to frequent the local &...
by hicabob
Wed Feb 22, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: new lowest price rental car vendor
Replies: 7
Views: 618

new lowest price rental car vendor

After a couple years of Costco being the best price for rental cars Autoslash.com now puts them to shame. Autoslash is currently 75% of costco's best price for my upcoming rental. Autoslash does rebook every time the price drops but it's painless for the consumer other than a new agreement number.
by hicabob
Mon Feb 20, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: How do I buy a building lot from current owner ...
Replies: 18
Views: 1267

Re: How do I buy a building lot from current owner ...

A good place to start go down to the county building and look at the property records which will have liens, rights of way, lot drawings, permits etc. Our local people are quite helpful.
by hicabob
Fri Feb 17, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: How long do you keep your kitchen sponge?
Replies: 44
Views: 3484

Re: How long do you keep your kitchen sponge?

I used to do the microwave thing with sponges but I came up with a better sanitization method if you are a coffee or tea drinker. Just pour some excess boiling water on the squeezed out sponge while it's sitting in the sink. Obviously don't touch said sponge for a couple minutes.
by hicabob
Thu Feb 16, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: What's the secret to happiness?
Replies: 39
Views: 2578

Re: What's the secret to happiness?

I don't think happiness is a permanent state of being. Lev Absolutely. Since people define happiness as relative to their own situation (since we cannot experience others state of mind) the average state has to be not unhappy but not happy. An associate of mine tried to explain this to a navy shrin...
by hicabob
Thu Feb 16, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella 1 million $500
Replies: 32
Views: 2244

Re: Umbrella 1 million $500

might be cheaper to bump your auto insurance up to 1M instead?
by hicabob
Wed Feb 15, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on money gurus
Replies: 12
Views: 1003

Re: BH thoughts on money gurus

Clark Howard's fine ... but then he pretty much has a boglehead type philosophy.
His advice is almost always sensible and if not, he self-flagellates on-air with "clark stinks".
by hicabob
Thu Feb 09, 2017 4:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 251
Views: 9088

Re: Your USER NAME...what does it mean?

Derivation of Ichabod ( from Ichabod Crane of Sleepy Hollow) as pronounced by my toddler at the time.
by hicabob
Sat Feb 04, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Best if used by, sell by?
Replies: 25
Views: 2402

Re: Best if used by, sell by?

Do the dates such as sell by, best if used before, etc. indicate quality or safety of food product? Mostly no. This is where training in chemistry, biochemistry, and infectious diseases can be helpful. Have there been any lawsuits because of it? I don't know. I once visited a friend in early Octobe...
by hicabob
Sat Feb 04, 2017 11:28 am
Forum: Investing - Theory, News & General
Topic: It appears Fiduciary changes may not happen after all.
Replies: 84
Views: 6039

Re: It appears Fiduciary changes may not happen after all.

From an extremely selfish point of view it's probably a good thing for bogleheads? My reasoning being lack of fiduciary responsibility will put less people in index funds so will keep the index fund advantage working for us for a longer period of time. I don't believe think this is an example of a ...
by hicabob
Sat Feb 04, 2017 11:20 am
Forum: Investing - Theory, News & General
Topic: It appears Fiduciary changes may not happen after all.
Replies: 84
Views: 6039

Re: It appears Fiduciary changes may not happen after all.

From an extremely selfish point of view it's probably a good thing for bogleheads? My reasoning being lack of fiduciary responsibility will put less people in index funds so will keep the index fund advantage working for us for a longer period of time.
by hicabob
Sat Feb 04, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: Looking for AC or cooled front seats - SUVs
Replies: 18
Views: 971

Re: Looking for AC or cooled front seats - SUVs

hicabob wrote:Mercedes does very nice cooled seats.


Nope - they are ventilated , not cooled :oops:. I didn't appreciate the difference.
by hicabob
Sat Feb 04, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Looking for AC or cooled front seats - SUVs
Replies: 18
Views: 971

Re: Looking for AC or cooled front seats - SUVs

Mercedes does very nice cooled seats.
by hicabob
Fri Feb 03, 2017 2:33 pm
Forum: Investing - Theory, News & General
Topic: It appears Fiduciary changes may not happen after all.
Replies: 84
Views: 6039

Re: It appears Fiduciary changes may not happen after all.

As with buying a car, real estate, or other purchases where commission is involved, caveat emptor should be the rule when buying financial products. Thankfully Vanguard makes it easier.
by hicabob
Tue Jan 31, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: How do empty restaurants stay in business?
Replies: 28
Views: 2751

Re: How do empty restaurants stay in business?

Many don't stay in biz for long. As an entrepreneurial type I always understood independent restaurants have the highest chance of failing of just about any business. We have a few local restaurants that switch ownership and themes every year or so like clockwork.
by hicabob
Mon Jan 30, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: where to retire?
Replies: 63
Views: 5981

Re: where to retire?

California taxes pensions, but it doesn't tax Social Security. Also, if you're over 55 and downsizing your residence, you take the lower property tax base year with you to the new place. My understanding is that if you sell a place and buy a less expensive one, your property tax will go down. Look ...
by hicabob
Thu Jan 26, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Best Places to Live in US?
Replies: 123
Views: 11259

Re: Best Places to Live in US?

When the railways came, the canals fell into disuse. In the 20th and 21st century they have become a network for leisure travel and canalboat living as a way to beat soaring housing prices. Renting a narrowboat for a week or so and futzing around some UK canals has been on my bucket list for a whil...
by hicabob
Wed Jan 25, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone moved to another state for lower cost of living?
Replies: 56
Views: 6481

Re: Anyone moved to another state for lower cost of living?

We were thinking of moving to California, but did the math on what our increased tax liability would be: $20K+ extra per year makes it a nonstarter for us. Assuming you now live in a no-income tax state that would be about $275k/year income to get $20k/year CA tax. It's a lot of tax but people live...
by hicabob
Mon Jan 23, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: Instant Pot - your favorite uses?
Replies: 36
Views: 5041

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: 5065

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: 8753

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: 2881

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: 1839

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: 44
Views: 3407

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: 907

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: 9820

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: 1935

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: 1252

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: 1649

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: 26
Views: 4203

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: 6930

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: 47492

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: 2336

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: 2638

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: 896

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: 2389

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: 1731

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: 28057

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: 1822

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: 4132

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: 3019

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: 9143

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: 865

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: 5447

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: 1135

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: 7620

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: 481

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...

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