Search found 2729 matches

by hicabob
Wed Apr 17, 2019 10:37 am
Forum: Personal Consumer Issues
Topic: Need recommendation for a Stethoscope
Replies: 5
Views: 411

Re: Need recommendation for a Stethoscope

Decades ago I worked for a megacorp that had a medical division. The labs made a really nice electronic stethoscope but it never went to market because apparently the docs were used to the distorted sound thru rubber tubes.
by hicabob
Mon Apr 15, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9774

Re: seriously thinking about leaving S. CA but where to?

It's a good chance in most places outside US you will be taxed heavier. I am curious about the tax comment. How much do you pay in taxes to CA, percentage wise? I assume your property tax is very low due to the infamous prop 13. I always liked Lake Tahoe, Nevada side. Why not there? What about Utah...
by hicabob
Mon Apr 08, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: fun car advice
Replies: 125
Views: 7932

Re: fun car advice

This is a good auction website for sporty vehicles that might appreciate and has good commentary on the various rides
https://bringatrailer.com/
by hicabob
Mon Apr 01, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 12625

Re: Folks in their 60s and above. What early investment on health do you recommend.

So raw mushrooms in a salad are hazardous? Probably not in limited amounts. Raw mushrooms contains low levels of toxins. They are also harder to digest. Cooking them is said to solve both of those issues. I'm curious to know the source of the claim that commonly available edible mushrooms contain c...
by hicabob
Thu Mar 28, 2019 6:18 pm
Forum: Personal Consumer Issues
Topic: 11 days. England, Ireland or Scotland?
Replies: 22
Views: 1322

Re: 11 days. England, Ireland or Scotland?

If I had only 11 days I would attempt no more than one of these three locations. UK + Ireland is much smaller than California so if one is willing to rent a car and drive (on the left) they can see a lot. Traffic is terrible in the South though. London to Edinburgh can be driven in about 8 hours. I...
by hicabob
Thu Mar 28, 2019 6:02 pm
Forum: Personal Consumer Issues
Topic: 11 days. England, Ireland or Scotland?
Replies: 22
Views: 1322

Re: 11 days. England, Ireland or Scotland?

Wales gets no respect.
by hicabob
Wed Mar 27, 2019 9:31 am
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 141
Views: 11765

Re: Shingrix [Vaccine availability]

Just got my #2 shot from Kaiser. Knocked me on my butt again - it feels like a mild flu for a couple days and is the only vaccine I remember reacting like that to. People say its infinitely better than getting shingles though.
by hicabob
Tue Mar 26, 2019 6:29 pm
Forum: Personal Consumer Issues
Topic: How to Sell a Wyland Painting on My Bathroom Wall?
Replies: 74
Views: 6285

Re: How to Sell a Wyland Painting on My Bathroom Wall?

You can also buy a Wyland bathroom soap dispenser that's whale themed: https://www.pinterest.com/pin/498492252486520432/ Amusingly, Google images has already captured the photo of the "Bathroom by Wyland" dolphin, and returns the image in the search results: https://goo.gl/images/zCTYh3 OP's bathro...
by hicabob
Tue Mar 26, 2019 1:20 pm
Forum: Personal Investments
Topic: The IRA Lightbulb just went on
Replies: 28
Views: 3864

Re: The IRA Lightbulb just went on

Sounds like it might be time to do some Roth conversions before the RMD's hit?
by hicabob
Sat Mar 23, 2019 4:20 pm
Forum: Personal Consumer Issues
Topic: Replacing asphalt driveway
Replies: 16
Views: 2235

Re: Replacing asphalt driveway

We'll be looking at the same thing. Caution - laying a layer of asphalt over a cracked driveway means that the top layer will simply crack in the same spots. May take a year, or two, but it will. Removal / pulverization of the existing driveway and laying a proper bed under the new asphalt is key t...
by hicabob
Thu Mar 21, 2019 4:39 pm
Forum: Personal Consumer Issues
Topic: What is the official nail clippers of the Boglehead Community?
Replies: 30
Views: 2246

Re: What is the official nail clippers of the Boglehead Community?

From a habit developed while working I've decided small wire cutters are the best nail clippers. Very sharp, comfortable and quite inexpensive. Useful for copper wire too! https://www.amazon.com/CHP-170-Stand-Off-Maximum-Cutting-Capacity/dp/B00FZPDG1K/ref=sr_1_fkmr1_2?keywords=klein+wire+snippers&qi...
by hicabob
Wed Mar 20, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Patent an idea and find investors.
Replies: 31
Views: 1758

Re: Patent an idea and find investors.

Nolo books "Patent it yourself" is packed with good info
https://www.amazon.com/Patent-Yourself- ... way&sr=8-1
by hicabob
Wed Mar 20, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Need to buy a laptop for a co-worker
Replies: 14
Views: 1153

Re: Need to buy a laptop for a co-worker

How about asking him/her which laptop they would like?
by hicabob
Tue Mar 19, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Landline Alternatives (Ooma, Magic Jack, etc.)
Replies: 56
Views: 2119

Re: Suggestions for Landline Alternatives (Ooma, Magic Jack, etc.)

My vote is OBI with GV since it works extremely well and no you don't need to tweak it anymore! that was an issue a while ago, everything as been solid after the whole GV scare. The other option is to get a cheap granny cell phone with unlimited calling, as that will work even if the power goes out...
by hicabob
Tue Mar 19, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: The lawyers who took on Big Tobacco are aiming at Realtors and their 6% fee
Replies: 34
Views: 3367

Re: The lawyers who took on Big Tobacco are aiming at Realtors and their 6% fee

Not a realtor here but I believe the 6% fee gets split up a myriad of ways with the selling realtor maybe ending up with 2%? US commission is quite high relative to the ROW. Commission seems to vary from 1.5 in the UK to 10.5 in Belarus. https://graphics.wsj.com/table/commish_1016 added with edit .....
by hicabob
Tue Mar 19, 2019 10:31 am
Forum: Personal Consumer Issues
Topic: A used Camry or brand new Corolla?
Replies: 69
Views: 3120

Re: A used Camry or brand new Corolla?

I'd go for the 2019 which comes with Toyota Safety sense which does lane holding, auto high beams, pre-collision detection etc. Modern driver assistance stuff really is nice.
by hicabob
Mon Mar 18, 2019 6:28 pm
Forum: Personal Consumer Issues
Topic: What are the purposes of your travels?
Replies: 60
Views: 3283

Re: What are the purposes of your travels?

hdas wrote:
Mon Mar 18, 2019 2:54 pm
flyingaway wrote:
Mon Mar 18, 2019 12:34 pm
My wife and I just returned from an 8-day trip to Columbia.
It’s Colombia NOT Columbia.
I was surprised and consider myself a decent speller, but this is the real Columbia (not the Portland clothing chain that is)
https://en.wikipedia.org/wiki/Columbia_(name)
by hicabob
Mon Mar 18, 2019 1:57 pm
Forum: Personal Investments
Topic: Cash at TD - options for it?
Replies: 6
Views: 325

Re: Cash at TD - options for it?

They have some "secret" cash and cash alternative funds. After harassing them I had my default cash account changed to "federated investments federated prime cash obligation fund" which still isn't very good but better than before. Ticker is PTTXX and in/out is free. vmmxx would be a nicer option bu...
by hicabob
Sat Mar 16, 2019 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Optimal age to purchase SPIA
Replies: 34
Views: 2891

Re: Optimal age to purchase SPIA

The SPIA return rates seem to be determined by the interest rate at the time. It would seem to me that choosing a time to buy an spia when interest rates are high would be opportune? Quite possibly overriding age as a factor.
by hicabob
Tue Mar 12, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Dental care for mother-in-law with low income
Replies: 26
Views: 2323

Re: Dental care for mother-in-law with low income

A dental vacation in Mexico might be very cost effective?
by hicabob
Sun Mar 10, 2019 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 630
Views: 68272

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I had to harass them to get my $1K. I inadvertently used 2 different emails so technically they could have refused but Ally said they will give me an exception. I do have a fair amount of $$$ with them and have been a customer for a couple years so I expect that was a factor.
by hicabob
Mon Mar 04, 2019 12:18 pm
Forum: Investing - Theory, News & General
Topic: Former bond king Gross says chances of beating the market 'much less' now
Replies: 19
Views: 2413

Re: Former bond king Gross says chances of beating the market 'much less' now

Perhaps Bill Gross should read the "HEDGEFUNDIES's excellent adventure" thread! :twisted:
by hicabob
Sat Mar 02, 2019 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: NO Gift Tax on Gifts >$15k in a Year
Replies: 80
Views: 6408

Re: NO Gift Tax on Gifts >$15k in a Year

"Form 709" seems like the type of form many people might not file even though they should. What would be the consequences of such miscreancy?
by hicabob
Fri Mar 01, 2019 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Company Travel Question
Replies: 34
Views: 1384

Re: Company Travel Question

That's silly. If they want her to go to a conference of course they should cover the expenses.
by hicabob
Thu Feb 28, 2019 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: When were you convinced that you had more than enough money?
Replies: 117
Views: 11526

Re: When were you convinced that you had more than enough money?

VictoriaF wrote:
Thu Feb 28, 2019 6:18 pm
If I develop a severely debilitating condition, I will seek a quick end.

Victoria
Same here. Need enough left for a one way first class ticket to Switzerland and first class round trip for companion.
8 figures made me stop worrying, which is ridiculous and more than I ever expected, but nice.
by hicabob
Thu Feb 28, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: 30 year old water heater, should I be worried?
Replies: 73
Views: 3991

Re: 30 year old water heater, should I be worried?

I have a side question on this. I have a 50 gallon gas water heater. If it fails do I have to worry just about the 50 gallons or will it continue to flood my basement when it fails? It would continue to run assuming the water wasn't shut off. The only water tank failure I've had was a stainless ste...
by hicabob
Wed Feb 27, 2019 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for advice in selling a business
Replies: 14
Views: 902

Re: Looking for advice in selling a business

wrt option 1 … The 2 working could outvote the non-working party, assuming the stock in the company is divided in 1/3rd's. This can affect "distributions" vs salary . I was in a 3 owner company where 2 of us worked - You get some "interesting" discussions.
by hicabob
Tue Feb 26, 2019 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Man plans to live at Holiday Inn instead of nursing home because it’s cheaper
Replies: 18
Views: 2918

Re: Man plans to live at Holiday Inn instead of nursing home because it’s cheaper

At a holiday inn I used to stay at frequently there was an older fellow that lived there. He would often be in the breakfast area in his robe and slippers and sometimes came to the "happy hour" they had. He even had a suite with double doors (fancy for the inn) ! Manager said it worked out well for ...
by hicabob
Tue Feb 26, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: How often do you and your friends change engine oil?
Replies: 167
Views: 7980

Re: How often do you and your friends change engine oil?

I can't speak for my friends, as I don't have any of those, but I just top off the oil whenever it's a quart low. 177k miles on current car, no oil related issues yet. 177k with never an oil change is impressive! Years ago the CEO of the place I worked had a 944 turbo, which was super-car territory...
by hicabob
Tue Feb 26, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: How often do you and your friends change engine oil?
Replies: 167
Views: 7980

Re: How often do you and your friends change engine oil?

For those of you that change your own oil so that you "don't waste time at the shop", where do you dispose of the used oil? Don't you have to take it to a shop anyway to dispose of it? Here the county recycling program provides 2.5 gallon containers and empties them when left at the curb on trash/r...
by hicabob
Tue Feb 26, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: How often do you and your friends change engine oil?
Replies: 167
Views: 7980

Re: How often do you and your friends change engine oil?

with the invention of synthetic oil? Just to make sure I'm understanding what "synthetic oil" isn't, it isn't "fake oil" created in a lab out of beet juice or watered down Campbell's soup. It is oil that is pumped out of the ground and then highly processed so that its molecules are very uniform in...
by hicabob
Sun Feb 24, 2019 5:30 pm
Forum: Personal Consumer Issues
Topic: Switching schools for part of the year - bad idea?
Replies: 22
Views: 1274

Re: Switching schools for part of the year - bad idea?

I got bounced thru a few countries as a kid. I think I would have preferred not to have been ( although Canada for a year was excellent) . A year is bad enough, 3 months would be horrible.
by hicabob
Thu Feb 21, 2019 9:30 pm
Forum: Investing - Theory, News & General
Topic: Whats up w/ Vanguards website?
Replies: 18
Views: 2796

Re: Whats up w/ Vanguards website?

seems AOK here chief!
by hicabob
Thu Feb 21, 2019 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Side gig ideas with minimal requirements?
Replies: 124
Views: 8992

Re: Side gig ideas with minimal requirements?

LiterallyIronic wrote:
Thu Feb 21, 2019 11:58 am
I'm a software developer by trade. ….. And I'm not remotely good enough to do a development job by myself - I can't make someone a website by myself, let alone write someone a program. …..
Seems like you are perhaps in the wrong profession?
by hicabob
Thu Feb 21, 2019 11:49 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 1611
Views: 100416

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

jaj2276 wrote:
Thu Feb 21, 2019 11:38 am
Ooof, today is not a great day for this trade. Currently down > 2% as TMF is down 2.66% and UPRO is down 1.11%!
"It works until it doesn't."
by hicabob
Wed Feb 20, 2019 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Generational Wealth Transfer
Replies: 19
Views: 2094

Re: Generational Wealth Transfer

ohai wrote:
Wed Feb 20, 2019 1:17 pm
leeks wrote:
Wed Feb 20, 2019 10:03 am
Haha, this guy just called himself leeks. Sorry, I didn't read the comment, but this was pretty interesting to me.
Parts of the world take their leeks very seriously
https://www.historic-uk.com/HistoryUK/H ... the-Welsh/
by hicabob
Sun Feb 17, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: Thinking about getting back into archery
Replies: 12
Views: 1235

Re: Thinking about getting back into archery

I liked archery as a kid and had a nice recurve bow, fletched my own arrows, etc. After not shooting for decades I recently tried a compound bow. Horrors! Incredible power but completely seemed to lack the elegance of a nice recurve.
by hicabob
Fri Feb 15, 2019 9:43 am
Forum: Personal Consumer Issues
Topic: Rental Car Company Preferences
Replies: 26
Views: 1605

Re: Rental Car Company Preferences

Enterprise owns National and Alamo. They use the same cars and same employees at some locations.
by hicabob
Thu Feb 14, 2019 7:54 pm
Forum: Personal Consumer Issues
Topic: Where to go over the long weekend?
Replies: 12
Views: 962

Re: Where to go over the long weekend?

DrGoogle2017 wrote:
Thu Feb 14, 2019 5:35 pm
I was thinking of natural mineral hot springs, but they are mostly in California or West Coast. I like one in Utah, but it’s too far of a drive for you.
Saratoga Springs have been around for a while
by hicabob
Thu Feb 14, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: Car rental - full size vs premium
Replies: 15
Views: 1460

Re: Car rental - full size vs premium

I got a Nissan Maxima from Alamo last week as a "premium". Nice car.
by hicabob
Tue Feb 12, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: Black Fly Protective Head Gear
Replies: 16
Views: 1171

Re: Black Fly Protective Head Gear

You need super fine mesh to keep them out if they are like the Adirondack black flies (aka no-see-ums)

https://www.outdoorresearch.com/us/en/d ... 3770999222
by hicabob
Mon Feb 11, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: On demand electric water heater
Replies: 34
Views: 1982

Re: On demand electric water heater

The other concept is a hot water recirculating pump. In most cases, a fixture near the end of the run has a special bridge valve that connects the hot side to the cold side to allow the pipes to form a loop. Another valve and pump near the water heater sends hot water down the hot line and gets sem...
by hicabob
Mon Feb 11, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: Wasting Electricity for Fun and Profit
Replies: 58
Views: 5437

Re: Wasting Electricity for Fun and Profit

String a long extension cord to my house in California and I'll pay you double your rate! :)
by hicabob
Sat Feb 09, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: Home radon detectors - which is best
Replies: 5
Views: 575

Re: Home radon detectors - which is best

My kid bought a house that had high levels. He has a Corentium which is a nice little device. After mitigation we compared the corentium to the radon mitigation folk's $1000 device and it had the same readings. It's a nice little device. The company that makes it, Airthings, is in Norway. I know Fin...
by hicabob
Thu Feb 07, 2019 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo Alternatives for free trades?
Replies: 6
Views: 463

Re: Wells Fargo Alternatives for free trades?

merrill edge with over 50k. good signup bonus too https://www.merrilledge.com/zero-dollar-trades?cm_mmc=GWM-SelfDirectedBrokerage-_-Google-PS-_-free%20trades-_-Trading%20Phrase%20Free%20Phrase&ds_rl=8411&gclid=CjwKCAiAy-_iBRAaEiwAYhSlA_K6KD_afrwQTbAKzp6s0HoHDjJpeymONWWBxDXFY7lwnn2gK11_FhoC7HEQAvD_Bw...
by hicabob
Mon Feb 04, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: Auto Battery Prices
Replies: 40
Views: 3565

Re: Auto Battery Prices

Surprisingly enough, Amazon can be very competitive for car batteries. They had the best price I could find on a slightly unusual battery, free shipping, and the fedex guy didn't seem to mind the impressive density of the package.
by hicabob
Mon Feb 04, 2019 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do for healthcare coverage if you retired before 65?
Replies: 10
Views: 525

Re: What did you do for healthcare coverage if you retired before 65?

Hello, I know you can collect Medicare 24 months after you claim Social Security which I plan on claiming at 62 which would make us 64. I don't think so - unless you are on social security disability - that would be nice though. "Obamacare" is the current solution for me . Yes, you are correct. Wha...
by hicabob
Mon Feb 04, 2019 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do for healthcare coverage if you retired before 65?
Replies: 10
Views: 525

Re: What did you do for healthcare coverage if you retired before 65?

mevans154 wrote:
Mon Feb 04, 2019 4:18 pm
Hello,



I know you can collect Medicare 24 months after you claim Social Security which I plan on claiming at 62 which would make us 64.


I don't think so - unless you are on social security disability - that would be nice though.
"Obamacare" is the current solution for me .
by hicabob
Mon Feb 04, 2019 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 75
Views: 11685

Re: The Best HSA

I have 60K invested with Health Savings Administrators. It is all in VTSAX. These are their fees: Administrative Fee: $45 per year. Fee deducted from account balance. Custodial Fee: 6.25 basis points per quarter (i.e., $0.625 per $1,000 every three months). Fees will be deducted from the account ba...
by hicabob
Mon Feb 04, 2019 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Building a house in rural mountains
Replies: 70
Views: 7179

Re: Building a house in rural mountains

Has anyone built on a large amount of rural, mountain acreage? I found a lot I like and would build a modest home. I would need to consider things like septic, well water, electricity, barn for horses, snowcat etc etc Has anyone successfully done this from scratch? (ie empty land -> developed house...