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by hicabob
Mon Nov 20, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Do you record customer service interactions?
Replies: 15
Views: 632

Re: Do you record customer service interactions?

I try to do "chats" which a lot of companies and websites offer. There is usually an option to save the chat. I'll bet the company saves the chat. Absolutely use the "chat" function if dealing with a cellphone or cable company (or others of that ilk ). I have found having a chat printout detailing ...
by hicabob
Mon Nov 20, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Recommend a daily driver
Replies: 20
Views: 452

Re: Recommend a daily driver

for 3-4 hour stop and go trips yet cheap and reliable ..... perhaps the antithesis of the M3? A Prius. :shock:
by hicabob
Sun Nov 19, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: Are expensive tires worth it?
Replies: 42
Views: 2267

Re: Are expensive tires worth it?

Stopping in 10 less feet can save much more than the difference in tire prices. Personally I crowbar open the wallet and buy highly rated tires.
by hicabob
Sun Nov 19, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 93
Views: 7952

Re: The valet smashed my Tesla into a brick wall!

Condolences - I thought Model S's had forward collision detection? A valet mode for the car might be a good idea.
by hicabob
Fri Nov 17, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: ASUS Student Chromebook - thoughts?
Replies: 22
Views: 1082

Re: ASUS Student Chromebook - thoughts?

Good chromebook deal for costco members

https://slickdeals.net/f/10832047-costc ... use-199-99

I have this model. No complaints.
by hicabob
Wed Nov 15, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 101
Views: 7285

Re: Has used furniture dropped in value dramatically?

westie wrote:
Wed Nov 15, 2017 2:20 pm
Parents hold on to all kinds of "stuff" thinking their children will want it someday. They don't want it.
My daughter wants me to save my almost complete Dr Seuss book collection! :happy
by hicabob
Mon Nov 13, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Anyone Tried Soylent?
Replies: 24
Views: 1551

Re: Anyone Tried Soylent?

Here's the ingredient list for the powder: Ingredients: soy protein isolate, people , high oleic canola oil, maltodextrin, isomaltulose, soluble corn fiber, modified food starch, potassium chloride, magnesium phosphate, tricalcium phosphate, soy lecithin, dipotassium phosphate, mono & diglyceride, ...
by hicabob
Mon Nov 13, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Soylent?
Replies: 24
Views: 1551

Re: Anyone Tried Soylent?

I use the powdered "neutral flavor" type mixed with water and frozen fruit a few times a week. I think it's great - easy, nutritious and delicious. Amazon sells it now and has a variety pack of the pre-mix. https://www.amazon.com/Soylent-Replacement-Drink-Variety-Bottles/dp/B073WW761F/ref=sr_1_4_a_i...
by hicabob
Sun Nov 12, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: Chromebook/Similar for Elderly Dad
Replies: 30
Views: 1742

Re: Chromebook/Similar for Elderly Dad

Thanks... I tried to get him to use a iPad tablet - he hated it, claimed he really prefers a keyboard... but didn't like the iPad for other reasons as well. He will use it to check Facebook & Instagram so he can see grandkid photos. Needs to be able to adjust font size due to his aging eyes. He wil...
by hicabob
Sun Nov 12, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Chromebook/Similar for Elderly Dad
Replies: 30
Views: 1742

Re: Chromebook/Similar for Elderly Dad

Unless portability is a concern a chromebox might be preferable? https://www.amazon.com/Asus-CHROMEBOX-M004U-ASUS-Desktop/dp/B00IT1WJZQ/ref=sr_1_3?s=electronics&ie=UTF8&qid=1510514841&sr=1-3&keywords=chromebox&dpID=41cPk3x3sOL&preST=_SX300_QL70_&dpSrc=srch You do need to add a generic display , keyb...
by hicabob
Sat Nov 11, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Anyone used Zelle?
Replies: 37
Views: 4000

Re: Anyone used Zelle?

I've used it a couple of times. It takes 3 days (ally to capone) and has a $2500 daily limit to a specific person. Other than that it seems ok.
by hicabob
Wed Nov 08, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Coffee makers: Moka, French Press, etc.
Replies: 64
Views: 4927

Re: Coffee makers: Moka, French Press, etc.

The Clever Dripper is just a fancy Melitta. Not at all - it has a little valve in the bottom that retains the fluid until it's set down on the cup and so is left for a minute or 3 steeping prior to emptying so produces a much fuller bodied cup of coffee. It's one of those simple yet elegant ideas t...
by hicabob
Tue Nov 07, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Coffee makers: Moka, French Press, etc.
Replies: 64
Views: 4927

Re: Coffee makers: Moka, French Press, etc.

Resurrection of an old thread but I have converted to a new to me method of coffee making and it's wonderful. The "clever dripper" https://www.amazon.com/dp/B014JVOWB8/ref=sxts_hf_cd_wol_1?pf_rd_m=ATVPDKIKX0DER&pf_rd_p=3311817862&pd_rd_wg=2Jpax&pf_rd_r=8KA6P00K4VTP3HXYEANA&pf_rd_s=desktop-sx-top-slo...
by hicabob
Sun Nov 05, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: How to Label Plastic Boxes
Replies: 15
Views: 936

Re: How to Label Plastic Boxes

Sandtrap wrote:
Sun Nov 05, 2017 9:59 am
High Quality Duck Tape
then permanent marker on that.
Yup - duck/duct tape uses an old fashioned rubber based adhesive that doesn't evaporate.
by hicabob
Sat Nov 04, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Help Me Break My Love Affair With Fidelity Low Priced Stock
Replies: 76
Views: 5984

Re: Help Me Break My Love Affair With Fidelity Low Priced Stock

I used to use flpsx for many years for my 401k contribution on the advice of the controller/cpa at a company I worked for decades ago. I sold it when Tillinghast took his temporary leave of absence a few years ago having done well but starting to dislike the ER. I reinvested boglehead fashion in fid...
by hicabob
Thu Nov 02, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 39
Views: 3213

Re: Southwest Companion Pass [California only]

Okay, so in summary: 1) Once you acquire card, make one purchase now to get companion pass through Dec 31 2018. 2) Spend $1000 in January 2018 so that the 40k points post at that time. 3) Earn another 70k points in 2018 (perhaps by applying for a Southwest business card to net another 60k points af...
by hicabob
Wed Nov 01, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 39
Views: 3213

Re: Southwest Companion Pass [California only]

I just got approved for this - I had to unfreeze my credit though :shock: An interesting way to extend the companion pass to almost 2 years instead of 13 months is to not use the card until January which would then get the companion pass for the reminder of 2018 earned plus all of 2019. I don't fol...
by hicabob
Wed Nov 01, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 39
Views: 3213

Re: Southwest Companion Pass [California only]

Just got approved as well. Are you sure about that 2 years deal? The terms seem to say you have to spend $1000 within the first 3 months so January works for that. The companion pass is activated after the first purchase so if a person waits until Jan and charges up $1000 in the month they should g...
by hicabob
Wed Nov 01, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 39
Views: 3213

Re: Southwest Companion Pass [California only]

I just got approved for this - I had to unfreeze my credit though :shock:
An interesting way to extend the companion pass to almost 2 years instead of 13 months is to not use the card until January which would then get the companion pass for the reminder of 2018 earned plus all of 2019.
by hicabob
Tue Oct 31, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?
Replies: 76
Views: 6365

Re: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?

PayPal and other methods are best for peer to peer transfers. PayPal charges significant fees. Only if you want safeguards against fraud (when you don't know/trust the recipient of funds) such as you are buying something on Ebay or paying a business for a service. For transfers to friends/acquainta...
by hicabob
Tue Oct 31, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?
Replies: 76
Views: 6365

Re: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?

PayPal and other methods are best for peer to peer transfers. PayPal charges significant fees. Only if you want safeguards against fraud (when you don't know/trust the recipient of funds) such as you are buying something on Ebay or paying a business for a service. For transfers to friends/acquainta...
by hicabob
Mon Oct 30, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: Barcelona Trip
Replies: 23
Views: 1629

Re: Barcelona Trip

Friend of mine just got back 2 days ago. She said it was great, no problems, beautiful place and a bargain vacation.
by hicabob
Mon Oct 30, 2017 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: What is the point of an ETF version of a total stock index fund?
Replies: 15
Views: 1065

Re: What is the point of an ETF version of a total stock index fund?

Many of us only buy or sell using limits in an attempt to squeeze a few more points out. Etf's work for that, funds don't.
by hicabob
Fri Oct 27, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 378
Views: 24995

Re: Iphone X is $1000

Did anyone bite yet? The pre-orders sold out in a few minutes this AM. I gave in. I was working late and was up anyway so I mozied on over to Verizon's website around 2:55 ET. I could already get in so I bought one for me and my wife. Electronics is one of our splurge areas so I don't feel too bad....
by hicabob
Fri Oct 27, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 378
Views: 24995

Re: Iphone X is $1000

Dendritic Tree wrote:
Fri Oct 27, 2017 9:57 am
Did anyone bite yet?
The pre-orders sold out in a few minutes this AM.
by hicabob
Fri Oct 27, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Going to SF, Yosemite and Sacramento and NOW PORTLAND
Replies: 49
Views: 2327

Re: Going to SF, Yosemite and Sacramento

Big Basin is far from being a national park. It's very nice though with big redwoods, excellent hiking trails and November should be nice weather but probably dry so little waterfall action.
by hicabob
Thu Oct 26, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: water pressure gauge
Replies: 30
Views: 1528

Re: water pressure gauge

RO systems work better at not super-low pressures. If you have really low pressure you can get a booster just for the water that goes into the RO system. such as ... https://airwaterice.com/booster-pump-power-station.html
by hicabob
Thu Oct 26, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: What are snowbirds doing for health insurance?
Replies: 12
Views: 1449

Re: What are snowbirds doing for health insurance?

Yup, It looks like they would only cover emergencies " in network" when you are out of state .

https://healthy.kaiserpermanente.org/st ... veling.pdf

It seems silly for Kaiser not to take advantage of their massive network of hospitals and providers.
by hicabob
Thu Oct 26, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: What are snowbirds doing for health insurance?
Replies: 12
Views: 1449

Re: What are snowbirds doing for health insurance?

Wouldn't Kaiser work for that? They have docs/hospitals/clinics in both states.
by hicabob
Wed Oct 25, 2017 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 14564

Re: 2018 ACA rates now live....

The bronze unsubsidized hsa with kaiser in central california for a 61yo went up from 640 to 700 and is the lowest of about 4 options.
by hicabob
Tue Oct 24, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: New TV, what's important?
Replies: 42
Views: 2916

Re: New TV, what's important?

Oled really does blow LCD, plasma and crts away with color, black level and lack of motion effects technically and are the finest video displays ever created. Some people don't seem to notice or care though and they are still twice the price.
by hicabob
Mon Oct 23, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to make a Will myself?
Replies: 20
Views: 1160

Re: How to make a Will myself?

California bar publishes a nice basic will with instructions. Good for an introduction to what a will is about and perhaps better than naught?
http://www.calbar.ca.gov/Portals/0/docu ... l-Form.pdf
by hicabob
Fri Oct 20, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 164
Views: 14893

Re: Does anyone here with net worths north of $1 mil use financial advisors?

I think most bogleheads have personal finance as a useful hobby, which puts us among a select few but with interesting attributes, among them being we are quite unlikely to employ a finance manager due to the overhead cost.
by hicabob
Wed Oct 18, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Think I froze credit... any reason not to apply for credit to test?
Replies: 12
Views: 1400

Re: Think I froze credit... any reason not to apply for credit to test?

I did that once to try to upgrade my FIDO credit card from 1.5% to 2% cashback. They tried but couldn't do it due to being blocked by my 3 agency freeze so I didn't bother although she said just unfreezing equifax would be enough. Didn't seem to affect my credit score.
by hicabob
Tue Oct 17, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: Anyone who started a business what made you comfortable enough to take the chance?
Replies: 25
Views: 2071

Re: Anyone who started a business what made you comfortable enough to take the chance?

I knew the specific industry inside out after working in it for 20 years. The company that bought the little but highly technical company I had worked for moved offshore so I was an unemployed 49yo software engineer and had a really nice termination package. I knew a couple other very good engineers...
by hicabob
Sun Oct 15, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 7254

Re: What are you driving? And would you buy your current ride again?

emoore wrote:
Sun Oct 15, 2017 12:51 pm
2011 VW GTI. Best car I've ever owned. Would purchase another one assuming there is a hybrid or EV options.
2016 GTI here. I love it - perhaps still the best "all-around" car out there for someone that wants a sporty, useful, comfortable, not ostentatious and moderately economical car.
by hicabob
Sun Oct 15, 2017 10:45 am
Forum: Investing - Theory, News & General
Topic: BitConnect [Cryptocurrency]
Replies: 10
Views: 852

Re: BitConnect [Cryptocurrency]

Curtailment wrote:
Sun Oct 15, 2017 10:40 am
There are plenty of legitimate cryptocurrencies
Why do you think some crypto's are "more legitimate" than the infinite amount of others that can be created?
by hicabob
Sat Oct 14, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 88
Views: 10453

Re: 2018 ACA costs arrived

rrppve wrote:
Sat Oct 14, 2017 12:07 pm
Give me a true major medical plan with a $25k-$100k deductible for $5k and I'll buy it.


That would be my ideal too! Pay for routine care out of pocket and if my deboxilator goes on the fritz requiring expensive care the insurance kicks in.
by hicabob
Fri Oct 13, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Anyone Ever Jackhammered a Concrete Patio?
Replies: 27
Views: 1689

Re: Anyone Ever Jackhammered a Concrete Patio?

I've broken up my share of concrete over the years thru various means. These Chinese demo hammers are great for the price and infinitely easier than sledge hammering well made concrete. https://www.amazon.com/XtremepowerUS-2200Watt-Electric-Demolition-Concrete/dp/B00IO3Z5MS/ref=sr_1_1?ie=UTF8&qid=15...
by hicabob
Fri Oct 13, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Reverse Osmosis Systems for Kitchen Sink
Replies: 22
Views: 1007

Re: Reverse Osmosis Systems for Kitchen Sink

Many don't know that an RO system wastes about 4 gallons of water for every gallon purified. [/b] Not very "efficient"! 1:4 is very good for RO. I've read 1 purified to 10 waste is more typical. Higher water pressure before the membrane helps efficiency. I have my RO system arranged such that I can...
by hicabob
Wed Oct 11, 2017 7:28 pm
Forum: Investing - Theory, News & General
Topic: Offensive Valuations
Replies: 45
Views: 4234

Re: Offensive Valuations

F150HD wrote:
Wed Oct 11, 2017 6:53 pm
4. What is the alternative? 2% yielding bonds?
But if not stocks then what?
This is the $1000 question(s)
As Mr Bogle says. ... "Invest we must"
by hicabob
Tue Oct 10, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest thing you ever heard of to save money
Replies: 34
Views: 2713

Re: Cheapest thing you ever heard of to save money

My old biz partner would bring in his old socks for our assemblers to use as rags. We were raking in the $$ at the time too. It's good to have a cheapskate biz partner but he took it to an extreme.
by hicabob
Tue Oct 10, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 88
Views: 10453

2018 ACA costs arrived

I just received my 2018 cost estimates from Kaiser. For an unsubsidized bronze HSA plan - single male 61yo the insurance will be $700.42/month which is a 9.4% increase.
Not too bad I suppose. Anyone else have a data point?
by hicabob
Sun Oct 01, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: a $2000 pizza
Replies: 19
Views: 1841

Re: a $2000 pizza

reminds me of the infamous "Douche Burger" ...
"A New York City food truck is selling a $666 hamburger dubbed the “Douche Burger,” which contains lobster, caviar, truffles, and a beef patty wrapped in six sheets of gold leaf."
by hicabob
Fri Sep 29, 2017 6:41 pm
Forum: Investing - Theory, News & General
Topic: 3 stages of Financial Independence
Replies: 63
Views: 7249

Re: 3 stages of Financial Independence

wrongfunds wrote:
Fri Sep 29, 2017 12:04 pm
I claim that #3 has no practical limit and that implies nobody ever believes that they have reached #3 stage.

I feel like I am at a comfortable stage 3 now, but it took an "embarrassment of riches" to make it so.
by hicabob
Wed Sep 27, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: liability of selling used car
Replies: 14
Views: 2081

Re: liability of selling used car

Instead of listing all possible defects perhaps an "as is" in the bill of sale? That's what car dealers seem to use.
by hicabob
Sat Sep 23, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Barefoot/Minimalist Running
Replies: 55
Views: 4214

Re: Thoughts on Barefoot/Minimalist Running

Freakonomics had an interesting episode that discussed the subject ..
http://freakonomics.com/podcast/shoes/
by hicabob
Wed Sep 20, 2017 6:55 pm
Forum: Forum Issues and Administration
Topic: Why so many 'negative' responses?
Replies: 20
Views: 2069

Re: Why so many 'negative' responses?

I think that Bogleheads probably tend to be analytical type of people .They like to analyze stuff. After all, if personal finance is your hobby you are in a select group. Analytical folk tend to try to pick stuff apart to see if it holds - this could be perceived as negativity but I think it's just ...
by hicabob
Thu Sep 14, 2017 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited 401K - required minimum distributions or lump sum?
Replies: 9
Views: 970

Re: Inherited 401K - required minimum distributions or lump sum?

I've read a little about this since I have a good size IRA that may be inherited in the future. The advantage of the RMD approach for an inherited IRA is that you can do a lump sum at any time or just take the minimum and do intelligent tax planning. The financial press seems to love to bash inherit...
by hicabob
Wed Sep 13, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 7933

Re: Best Lower Cost USA Cities to Live

And now a large swath of hiking is ruined by wildfires (started by negligence of visitors). I thought those miscreant kids were locals, not far visitors but from just from across the river in Vancouver, which is just about as close to Multnomah Falls as Portland is if my recollection from visiting ...