Search found 2442 matches

by hicabob
Fri Aug 18, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 6661

Re: DUI lawyer - need advice

A relative of mine had a similar first time no-injury DUI a few years ago but no crashing into a tree. I was talking about the situation with a friend who is also one of the local DA's and he said if it's cut and dry and the miscreant is pleading guilty and they can conduct themselves properly in th...
by hicabob
Fri Aug 18, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: ABS light, and OBD II scanners.....UPDATE
Replies: 33
Views: 1460

Re: ABS light, and OBD II scanners.....

Stability control uses the ABS system so if ABS doesn't work I would expect stability control would be not working also. I don't think anyone disputes that stability control is useful in otherwise terrible situations.
by hicabob
Wed Aug 16, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: California - clarification on taxes
Replies: 36
Views: 2391

Re: California - clarification on taxes

At least we get a nice federal tax deduction ..... currently :( .
For those making less than the top quintile earners do there are a few higher tax states.
by hicabob
Tue Aug 15, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 88
Views: 4899

Re: Postal Service -- "informed delivery"

and that piece of snail mail doesn't show up in your mailbox, you'll know that someone has stolen your mail, and you can take immediate action. Mail theft seems to have exploded around these parts over the last few years with many community locking boxes pried open and mail removed. I suppose it's ...
by hicabob
Sat Aug 12, 2017 6:36 pm
Forum: Personal Consumer Issues
Topic: Folding Electric Bike
Replies: 37
Views: 1966

Re: Folding Electric Bike

I can suggest Rad Mini. I live near their operation and test drove other models and was generally pleased. I bought something else due to Seattle's large hills but for DC area this could be just fine. https://www.radpowerbikes.com/products/radmini-electric-folding-fat-bike?variant=17586850561 I can...
by hicabob
Fri Aug 11, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 211
Views: 10153

Re: How far would you travel to see The Eclipse?

The partial eclipse is pretty cool too which I think all the US will experience without travel. Just being outside and seeing it dim, then get bright again if nothing else. I have a few of those 99.999% blocking viewing glasses (cardboard with plastic film insert) which make the sun look like a dim ...
by hicabob
Wed Aug 09, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Toyota Radio and Backup Camera No Longer Work
Replies: 41
Views: 1811

Re: Toyota Radio and Backup Camera No Longer Work

My old Mercedes used to require a code to be entered to re-enable the radio after battery power was lost. It was an anti-theft measure rendering a stolen radio useless w/out the code. Perhaps Toyota used a similar method? I googled it for you and look at this ... https://itstillruns.com/reset-code-t...
by hicabob
Mon Aug 07, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: kids think lazy if retire?
Replies: 70
Views: 7790

Re: kids think lazy if retire?

Perhaps you could use it as a lesson for them that if they work hard and are successful they too can stop working at a relatively early age.
by hicabob
Sat Aug 05, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: Drinking water price craziness
Replies: 80
Views: 7174

Re: Drinking water price craziness

Years ago at mega-corp I used to work next to a friend's chem lab and he had high quality distilled water on tap. It was OK for coffee but not very pleasant to drink straight. The minerals and what-not give water some taste that distilled lacks but distilled is more "pure" than RO water and should b...
by hicabob
Fri Aug 04, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else have trouble spending?
Replies: 91
Views: 5628

Re: Anyone else have trouble spending?

You asked why you have these anxieties about spending money. I don't know if anyone can answer that, but I think there are two types of people, those who worry about spending and those who don't. I agree 100%. Interestingly, I wonder often if one of the reasons the folks on this board (me included)...
by hicabob
Thu Aug 03, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: Best "investment tip" I have gotten from Bogleheads
Replies: 44
Views: 6036

Re: Best "investment tip" I have gotten from Bogleheads

I have 2 questions for folks who own one: 1) Aren't there cheaper alternatives to this product? I believe $50 7-in-1 devices exist with the exact same program options. 2) How often do you use all the different versions of the product? To me, it seems like almost all the recipes mentioned could just...
by hicabob
Mon Jul 31, 2017 7:45 pm
Forum: Personal Consumer Issues
Topic: Bad kitchen cabinet install in condo. Need help improving.
Replies: 34
Views: 2769

Re: Bad kitchen cabinet install in condo. Need help improving.

That's really sloped. I'd look for the root cause if it was my house - foundation failure? Having things straight and square is important. Last remodel I had done, my carpenters spent a day squaring out walls in a 55 year old house - it was surprising how much they were off. It uses up time early bu...
by hicabob
Sat Jul 29, 2017 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 167
Views: 15243

Re: Tesla - next big lottery ticket ?

Always loved DEC since starting my career banging on PDP-11's, I still name variables foo from the indoctrination. ... then there was Sun microsystems, also a fine corporation in its heydey. Even very profitable, inventive, seemingly well run corporations can have a surprisingly short lifetime. I ag...
by hicabob
Thu Jul 27, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: What you wish you had known entering your late 20's
Replies: 130
Views: 30279

Re: What you wish you had known entering your late 20's

I would have become self employed at an earlier date. Late 20's is the perfect age to try.
by hicabob
Wed Jul 26, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: Where to move? New job, considering Nevada...
Replies: 28
Views: 2579

Re: Where to move? New job, considering Nevada...

Incline Village is interesting, but not inexpensive.
Carson City would seem to be a possibility. Not too fancy but Reno access w/out actually being in Reno?
by hicabob
Tue Jul 25, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 81
Views: 4910

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

Buy a new driver seat for it perhaps? An automotive upholstery shop could probably help you.
by hicabob
Mon Jul 24, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Cutting the cable - Internet speed requirements
Replies: 12
Views: 847

Re: Cutting the cable - Internet speed requirements

for streaming video figure you need about 3 Megabits per sec for SD, 5 for HD and 25 for UHD. If you have enough more is not better for one stream.
by hicabob
Sat Jul 22, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: Medical Coverage Outside US
Replies: 45
Views: 3135

Re: Medical Coverage Outside US

I can't speak for your friend in Oz but I can speak from personal experience that a Canadian who needs medical care in the EU has to pay first locally, then try to recover the cost when they return. Moreover Canadian "universal" insurance, as in the EU, reimburses only to the extent that ...
by hicabob
Sat Jul 22, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: When doing retirement planning, do you count your spouse's savings?
Replies: 28
Views: 2381

Re: When doing retirement planning, do you count your spouse's savings?

If you are married w/out a pre-nup her/his savings and retirement accounts(since marriage) are 50% yours and vice versa in most places so I would think yes.
by hicabob
Thu Jul 20, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Medical Coverage Outside US
Replies: 45
Views: 3135

Re: Medical Coverage Outside US

SOME Medicare supplement plans provide partial coverage outside the US. Personally I feel very comfortable not buying additional insurance when I am traveling to western Europe. I would feel even less concerned going to Canada. One of the injury accidents that I was privy to you, mentioned above, h...
by hicabob
Wed Jul 19, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Solar powered shed lighting
Replies: 6
Views: 703

Re: Solar powered shed lighting

Best to get one with replaceable batteries as they will very likely fail/degrade dramatically after a couple years.
by hicabob
Wed Jul 19, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 84
Views: 6878

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

At this point in time, finding and using ethanol-free gasoline is probably more important than which brand of mower you buy. Local gas station has ethanol free gas but I am afraid to buy it. It costs a lot more, so I don't think many buy it and the inventory may not turn over. I am afraid it would ...
by hicabob
Wed Jul 12, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 7241

Re: Do you consider business travel to be a perk or a burden?

One factor is if you are going to Paris or Springfield. Another is if you are expected to be fixing a nasty problem or going to a fun exhibition . I agree with the others who say it's much more fun at first than when you have been doing it forever. Some of us do see a lot of the world while on biz t...
by hicabob
Sun Jul 09, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 5026

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

I quite like the "engineered food" Soylent a few times a week . Easy, healthy, priced OK.
I use the powder and blend frozen fruit in. The bottles would be better for a work lunch.

https://www.soylent.com/
by hicabob
Sun Jul 09, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 5026

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

Which of the following ingredients upsets you? "9-GRAIN WHEAT Whole wheat flour, enriched flour (wheat flour, niacin, iron, thiamine mononitrate, riboflavin, folic acid), yeast, sugar , wheat gluten, contains 2% or less of: calcium carbonate, soybean oil, salt, wheat, rye, yellow corn, oats, t...
by hicabob
Sun Jul 09, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 5026

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

Which of the following ingredients upsets you? "9-GRAIN WHEAT Whole wheat flour, enriched flour (wheat flour, niacin, iron, thiamine mononitrate, riboflavin, folic acid), yeast, sugar, wheat gluten, contains 2% or less of: calcium carbonate, soybean oil, salt, wheat, rye, yellow corn, oats, tri...
by hicabob
Fri Jul 07, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: What are your health insurance stats?
Replies: 89
Views: 5303

Re: What are your health insurance stats?

Reading this thread makes me feel that early retirees without some kind of subsidized health insurances are very rare. Reading this I now realize how expensive health insurance is. I had full employer paid coverage my entire adult life, medical bills were just a nuisance and not lifestyle changing....
by hicabob
Sun Jul 02, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: What are your health insurance stats?
Replies: 89
Views: 5303

Re: What are your health insurance stats?

60yo male.
insurer/provider ... Kaiser Permanente
plan .... ACA Bronze/HSA - California
premium ... $640/month (no subsidy)
$6000 deductible.
by hicabob
Sun Jun 25, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: SPF Driving Gloves
Replies: 6
Views: 588

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: 588

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: 1315

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: 1315

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: 897

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: 1026

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: 4471

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: 103
Views: 11215

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: 4262

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: 2114

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: 19
Views: 1215

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: 662

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: 1034

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: 9053

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: 1575

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: 36
Views: 5614

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: 3199

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. At exhibitions my German associates would always chuckle when we went by a UK booth during setup due to the non-sto...
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: 8066

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: 2650

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: 2127

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: 2570

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...