Search found 122 matches

by BBBob
Wed Dec 16, 2020 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Quicken
Replies: 24
Views: 1303

Re: Replacement for Quicken

+1
I was forced into Quicken 2019 last year and hate it!! Too complex for what I need and, IMO, completely non-intuitive. The forced data conversion did not go well and is still not satisfactorily reporting information. I am watching this thread with deep interest
by BBBob
Sat Nov 21, 2020 1:02 pm
Forum: Personal Consumer Issues
Topic: Non-Alcoholic Beer/Wine/Mock Cocktails
Replies: 37
Views: 2499

Re: Non-Alcoholic Beer/Wine/Mock Cocktails

I only drink NA beers these days and then not that often. I agree with the above comments on Athletic Brewing Co., Clausthaler and St. Pauli Girl. I also like Kaliber (made by Guinness). +1 on all the above, esp. Kaliber. Athletic's stout and Rise beers are still my #1 go-to's though. FWIW, Bitburg...
by BBBob
Fri Nov 20, 2020 11:17 am
Forum: Personal Consumer Issues
Topic: Non-Alcoholic Beer/Wine/Mock Cocktails
Replies: 37
Views: 2499

Re: Non-Alcoholic Beer/Wine/Mock Cocktails

Chrono Triggered wrote: Fri Nov 20, 2020 9:41 am I've heard good things about beer from Athletic Brewing. Can't personally speak on it but I would look into it.
They are my go-to beers now. I am not an IPA fan so avoid those, but their "All Out Stout", their "Rise" caffeinated beer and their Cerveza are really good IMO.
by BBBob
Wed Sep 02, 2020 2:34 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]
Replies: 178
Views: 20059

Re: Vanguard Makes Changes to its Money Market Funds - What's Best Now?

... Accordingly, effective on or about September 29, 2020, the Fund will invest at least 99.5% of its total assets in government securities and the Fund’s name will change to Vanguard Cash Reserves Federal Money Market Fund. The Fund will continue to invest more than 25% of its assets in the financ...
by BBBob
Wed Aug 19, 2020 10:46 am
Forum: Personal Consumer Issues
Topic: [Books that changed your life]
Replies: 577
Views: 63048

Re: Books that changed your life

book lover wrote: Tue Aug 11, 2020 2:55 pm Zen and the Art of Motorcycle Maintenance: An Inquiry Into Values by Robert Pirsig.
A bold large-font +1. I re-read it every few years to get back on track. It never gets boring. Good choice!!
by BBBob
Mon Aug 03, 2020 1:07 pm
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 165
Views: 9170

Re: What Car Maintenance Do You Do?

We've done zero maintenance since 1997. That's when we got the first of three EVs. Since then, just checking tires and topping off washer fluid.
by BBBob
Sun Aug 02, 2020 11:37 am
Forum: Personal Consumer Issues
Topic: Who is your favorite fiction author and what is your favorite book of theirs?
Replies: 216
Views: 15592

Re: Who is your favorite fiction author and what is your favorite book of theirs?

Zen And The Art Of Motorcycle Maintenance. Not an easy read...I read (and have re-read) 1-2 chapters a day or so, and then think about it. A search for the meaning of "quality" during a cross country motorcycle ride. Fascinating book with an interesting backstory. See https://en.wikipedia....
by BBBob
Sun Aug 02, 2020 11:26 am
Forum: Personal Consumer Issues
Topic: Who is your favorite fiction author and what is your favorite book of theirs?
Replies: 216
Views: 15592

Re: Who is your favorite fiction author and what is your favorite book of theirs?

The Bernie Gunther series (starting with the trilogy Berlin Noir) by Philip Kerr. IMO, they’re better than Raymond Chandler and Micky Spillane. Takes place in 1930’s – 1950’s Germany against a background of Nazi takeover and defeat. The protagonist is a cynical ex-cop turned PI named Bernie Gunther....
by BBBob
Tue Mar 17, 2020 10:33 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 58207

Re: How to get Toilet Paper ? seriously.

Cheap solution AND less wasteful AND more environmental
https://www.amazon.com/s?k=travel+bidet ... _sb_noss_1
by BBBob
Sat Mar 14, 2020 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: PV (solar electricity) results after 1st year
Replies: 2
Views: 393

Re: PV (solar electricity) results after 1st year

Great info. Thanks for posting. And congrats!!
by BBBob
Tue Mar 03, 2020 11:02 am
Forum: Personal Consumer Issues
Topic: Car Totaled, need to find a new car
Replies: 26
Views: 1856

Re: Car Totaled, need to find a new car

Maybe look at swapalease.com if you want to minimize cash flow for the moment?
by BBBob
Tue Feb 11, 2020 7:29 pm
Forum: Personal Consumer Issues
Topic: Thoughts on buying cheap, used, short range EV
Replies: 87
Views: 5592

Re: Thoughts on buying cheap, used, short range EV

Angelscrest, you ought to try and connect with other EV drivers in your area, if any, and get some info from folks with actual experience in your region. You might try to get a connection via the folks at pluginamerica. (By the way, this is the group that was the pro-EV star of Who Killed The Electr...
by BBBob
Tue Feb 11, 2020 9:37 am
Forum: Personal Consumer Issues
Topic: Thoughts on buying cheap, used, short range EV
Replies: 87
Views: 5592

Re: Thoughts on buying cheap, used, short range EV

Check out pluginamerica.org for lots of info, I've been driving EVs since the mid-90's, starting with the EV1 and followed by the RAV4-EV (Generation 1) and the RAV4-EV Gen 2, the latter of which we still have. I have never had an issue, and the needed service has been negligible. I am unaware of a...
by BBBob
Tue Feb 11, 2020 9:31 am
Forum: Personal Consumer Issues
Topic: Thoughts on buying cheap, used, short range EV
Replies: 87
Views: 5592

Re: Thoughts on buying cheap, used, short range EV

Is this website only about new EVs? I know a great deal about new EVs, but am really trying to understand battery life in a 4-6 y-o EV, and whether or not the reduction in mileage consistently falls off, or if it ramps down. I.e., if after 5 years there's a 50% reduction on say a Nissan Leaf, does ...
by BBBob
Mon Feb 10, 2020 11:35 pm
Forum: Personal Consumer Issues
Topic: Thoughts on buying cheap, used, short range EV
Replies: 87
Views: 5592

Re: Thoughts on buying cheap, used, short range EV

Check out pluginamerica.org for lots of info, I've been driving EVs since the mid-90's, starting with the EV1 and followed by the RAV4-EV (Generation 1) and the RAV4-EV Gen 2, the latter of which we still have. I have never had an issue, and the needed service has been negligible. I am unaware of an...
by BBBob
Sun Jan 05, 2020 11:54 am
Forum: Personal Consumer Issues
Topic: Meds from Canadian Mail-Order Pharmacy. Legality? Ethics? Safety? Efficacy?
Replies: 33
Views: 3920

Re: Meds from Canadian Mail-Order Pharmacy. Legality? Ethics? Safety? Efficacy?

If you are interested in checking out Canadian sources, I suggest you start with pharmacychecker.com which claims to help you find the lowest prices on prescription medication among licensed U.S. and international pharmacies. They claim to be an independent company, founded by an MD, that monitors a...
by BBBob
Tue Oct 15, 2019 10:52 pm
Forum: Personal Consumer Issues
Topic: Where to stay in Maui?
Replies: 24
Views: 2373

Re: Where to stay in Maui?

Just stayed at the Ka’Napali Ali in Maui. I booked it through Costco Travel. What a great place. Oceanfront room. Walk 40 feet to beach. Spectacular. Kitchen, LR, DR, 2 BR. Brought the wife and 3 kids. Check it out. You can walk on the path to other resorts, a little downtown that has shops and res...
by BBBob
Fri Aug 02, 2019 12:50 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 451
Views: 77824

Re: Bonds - Throw it all on the table!!!

Maybe I have been operating with a misunderstanding, but my recollection from postings long ago is that duration only measures the effect of a single interest rate increase, and that the effect of multiple increases is that the break-even point asymptotically approaches "2 x duration". Am ...
by BBBob
Mon Jul 29, 2019 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Requesting real-estate advice--first-time homebuyer in a peculiar quandary thanks, ironically, to father's beneficence
Replies: 37
Views: 2945

Re: Requesting real-estate advice--first-time homebuyer in a peculiar quandary thanks, ironically, to father's beneficen

Are there any tax consequences with trying to gift $250K? I thought there were tax-free limits on gifts? Anything over $15,000 per recipient is applied to a lifetime exclusion (currently $11.4 million) so no gift tax issue as far as I can see. (see https://www.fool.com/taxes/2019/01/05/gift-tax-in-...
by BBBob
Sun Jun 09, 2019 9:57 pm
Forum: Personal Consumer Issues
Topic: Anyone familiar with driving from Disneyland area to Tucson, Az?
Replies: 39
Views: 2470

Re: Anyone familiar with driving from Disneyland area to Tucson, Az?

I live in LA. Unless you are adamant about LA, I'd spend the time in San Diego...much more pleasant. The beaches in San Diego and Orange County are much nicer too. I'd suggest San Clemente as the northernmost target. San Diego has the zoo, and a wild animal park that's incredible: See https://www.sd...
by BBBob
Mon Apr 29, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: Hybrid Rental
Replies: 21
Views: 1733

Re: Hybrid Rental

You might also take a look at: https://www.betterworldclub.com/travel-tools/travel-consultation/ Better World Club is an alternative to the AAA, has been around for decades, and is attuned to environmentally-sensitive travel choices in addition to providing great roadside protection (for bicycles an...
by BBBob
Thu Feb 28, 2019 7:28 pm
Forum: Personal Investments
Topic: Roth to TIRA Re-Characterization
Replies: 7
Views: 284

Re: Roth to TIRA Re-Characterization

Thank you Alan. I am in awe! That's a great explanation and I am beginning to see the logic. I was looking at this way too simplistically, and appreciate the education.
Bob
by BBBob
Thu Feb 28, 2019 7:22 pm
Forum: Personal Investments
Topic: Roth to TIRA Re-Characterization
Replies: 7
Views: 284

Re: Roth to TIRA Re-Characterization

Thanks, Justin. Yes...your formula gets me close. I'm going to sit and ponder all of this for a bit. Thanks again for the help.
Bob
by BBBob
Thu Feb 28, 2019 4:59 pm
Forum: Personal Investments
Topic: Roth to TIRA Re-Characterization
Replies: 7
Views: 284

Re: Roth to TIRA Re-Characterization

Alan...I checked the link you graciously cited, which led me to TD9056, which states that Tax Code Section Section 408(d)(4) provides that the transfer is to be accompanied by any net income allocable to the contribution . It then goes on to state that Notice 2000-39 (2000-2 C.B. 132), provided a ne...
by BBBob
Thu Feb 28, 2019 4:41 pm
Forum: Personal Investments
Topic: Roth to TIRA Re-Characterization
Replies: 7
Views: 284

Re: Roth to TIRA Re-Characterization

Thank you Alan. The penalty just didn't seem logical, and I appreciate the reality check.
Bob
by BBBob
Thu Feb 28, 2019 2:16 pm
Forum: Personal Investments
Topic: Roth to TIRA Re-Characterization
Replies: 7
Views: 284

Roth to TIRA Re-Characterization

I just re-characterized a 2018 Roth contribution to a TIRA. The contribution was residing in the Prime MM account together with other pre-2018 money. Vanguard transferred the 2018 contribution itself to the TIRA (which is fine) as well as the earnings on that contribution (which is also fine) but al...
by BBBob
Thu Feb 14, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6375
Views: 1434014

Re: What Movie Have You Recently Watched?

Arctic. A great survival flick!
by BBBob
Tue Feb 05, 2019 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan F Extra (California)
Replies: 12
Views: 1174

Re: Medigap Plan F Plus

neilpilot wrote: Mon Feb 04, 2019 5:32 pm Only in California.....you might consider changing the thread title to indicate that
Good point. Done. Thanks.
by BBBob
Mon Feb 04, 2019 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan F Extra (California)
Replies: 12
Views: 1174

Re: Medigap Plan F Plus

When I Google Medigap Plan F+ the only hit that seems relevant is a NY state site that uses F+ to refer to the high deductible F, which is obviously not what Bob is asking about. Sorry...I screwed the name up...it's "Plan F Extra" and we're in CA. Here's a link: https://www.blueshieldca.c...
by BBBob
Mon Feb 04, 2019 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan F Extra (California)
Replies: 12
Views: 1174

Medigap Plan F Extra (California)

Hi Folks, There is a new Medigap Plan F Extra that appears to have all the benefits of Plan F plus some coverage for optometric care and hearing aids. We're in California which follows the "birthday rule'" permitting a change in Plans within 30 days of your birthday, and we're considering ...
by BBBob
Thu Jan 31, 2019 3:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market yield over 2.5%
Replies: 232
Views: 54301

Re: Vanguard Prime Money Market yield over 2.5%

Don't you have to subtract the expense ratio from the yield to see what you are netting? For Prime MM, that would be 2.51% - 0.16% = 2.35%
by BBBob
Wed May 02, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 15375

Re: Have you quit eating sugar? Tell me how!

I see some info on here that I think is incorrect re sugar and sugar withdrawal. A good starting place is WebMD. See, for example, https://blogs.webmd.com/pamela-peeke-md/2009/08/sugar-addiction.html I have read that refined sugar lights up the same neuro receptors as cocaine; if you think if it in ...
by BBBob
Wed May 02, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 15375

Re: Have you quit eating sugar? Tell me how!

investor4life wrote: Wed May 02, 2018 9:43 am A small square of really dark chocolate (very low in sugar) twice a day helps keep my sugar craving at bay. Weirdly, eating a few baby carrots at various times of the day helps me, too. :happy
Good point. Try Choczero.com for monkfruit-sweetened chocolate. The 93%-cacao squares are awesome.
by BBBob
Wed May 02, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 15375

Re: Have you quit eating sugar? Tell me how!

In addition to substituting sparking water and seltzers for soda, try monkfruit as a sweetener where you actually need one. I use Pure Monk monkfruit powder (got it on Amazon); one gram is the same sweet taste as eight teaspoons of sugar. See https://julianbakery.com/product/pure-monk-monk-fruit for...
by BBBob
Fri Mar 16, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 16089

Re: Need for Medicare supplemental plan?

Consider this:
https://www.senior65.com/medicare/artic ... gap-plan-f

"Worst" case: I have Supplemental for the same reason I have homeowner insurance; I'll probably net a loss over the decades, but I sleep well at night.
by BBBob
Thu Mar 15, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Can A Traditional IRA Be Deductible If You Have A SEP
Replies: 11
Views: 1071

Re: Can A Traditional IRA Be Deductible If You Have A SEP

Spirit Rider...thanks for the invaluable info. I guess I should not be shocked that the IRS info fails to follow the actual tax code in its wording, but I never thought to check that deep. Also, I never would have thought about the dividends, so thanks to lakepr for specifically raising that issue, ...
by BBBob
Wed Mar 14, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can A Traditional IRA Be Deductible If You Have A SEP
Replies: 11
Views: 1071

Re: Can A Traditional IRA Be Deductible If You Have A SEP

Thanks for the info. I guess it comes down to whether you're "covered" by a plan if it has been set up but no contributions have been made for many years.
by BBBob
Wed Mar 14, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Can A Traditional IRA Be Deductible If You Have A SEP
Replies: 11
Views: 1071

Re: Can A Traditional IRA Be Deductible If You Have A SEP

Thanks, mhalley. And that's true even if the SEP has a balance in it, correct?
by BBBob
Wed Mar 14, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Can A Traditional IRA Be Deductible If You Have A SEP
Replies: 11
Views: 1071

Can A Traditional IRA Be Deductible If You Have A SEP

Hi folks,
I can't seem to find an answer to this: If a self-employed person has a SEP-IRA to which no contributions have been made for several years for himself or his employees, can that person open a deductible 2017 tIRA ?
by BBBob
Tue Mar 06, 2018 3:14 pm
Forum: Investing - Theory, News & General
Topic: Hold Only Short-Term Bonds?
Replies: 27
Views: 5427

Re: Hold Only Short-Term Bonds?

I am lost, Valuethinker. Can you explain your conclusion for the financially-challanged like me? :sharebeer
by BBBob
Mon Jan 29, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 101
Views: 12077

Re: Neighbor recently burgalerized - Suggestions for home security

+1 for Arlo Pro2. Also, check out an alarm company. A noisy alarm plus the company's rapid response may be the best deterrent.
by BBBob
Wed Jan 24, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Pizza delivery asked for security code on my credit card with order
Replies: 50
Views: 26763

Re: Pizza delivery asked for security code on my credit card with order

I think the merchant gets charged a lesser percent when the security code is provided. It's a common practice in my experience. And you still have the right to dispute a false charge, so I am not certain there is any added risk.
by BBBob
Thu Jan 18, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 151
Views: 19542

Re: What is the best home exercise equipment?

concept2 rower or the Air Assault exercise bike. (see https://shop.assaultfitness.com/products/airbike-classic and/or https://www.amazon.com/Assault-AirBike-by-Fitness/dp/B00F74RX40?SubscriptionId=AKIAILSHYYTFIVPWUY6Q&tag=duckduckgo-d-20&linkCode=xm2&camp=2025&creative=165953&cre...
by BBBob
Mon Dec 11, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: Firefox upgrade broke my add-on, switched to Waterfox
Replies: 28
Views: 5317

Re: Firefox upgrade broke my add-on, switched to Waterfox

Double thanks, Ladygeek. i downloaded Waterfox today; it loads twice as fast as Quantum, and opens domain pages with blazing speed. I'm a convert!