Search found 2576 matches

by hicabob
Fri May 18, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Quadcopter Drone anybody? - for beginner
Replies: 15
Views: 1027

Re: Quadcopter Drone anybody? - for beginner

You might try a real cheapie to get a feel for it. I bought a $24 Eachine drone from Amazon and had a good time with it. It's only really good for indoor flight, doesn't have a camera, and the batteries last only four minutes (I bought several), yet it gave me a good feel for flying a quadcopter. F...
by hicabob
Wed May 16, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Creating Business - Help
Replies: 9
Views: 634

Re: Creating Business - Help

Nolo press at nolo.com has many good books dealing with aspects of starting a biz
by hicabob
Mon May 14, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to define "rich"?
Replies: 32
Views: 2225

Re: Best way to define "rich"?

having more than your neighbor .
https://www.youtube.com/watch?v=E_DtXf0xscI
by hicabob
Mon May 14, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Infrared Sauna at home
Replies: 21
Views: 2824

Re: Infrared Sauna at home

A sauna does bump up the heart rate a little , 20 bpm or so, so perhaps there is a little cardio benefit? I like to think so anyways. :happy
by hicabob
Sun May 13, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 925
Views: 72883

Re: To take or not to take delivery of Tesla 3

yet some systems seem to work properly with stationary objects ...
https://www.youtube.com/watch?v=C1mrHhF-kb0
by hicabob
Sun May 13, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 925
Views: 72883

Re: To take or not to take delivery of Tesla 3

Tesla has auto pilot and auto braking trouble IMO. See below. Another model S was involved in a bad car wreck in Utah and there is no indication that the brakes were ever applied. Something is certainly fishy. https://www.usatoday.com/story/news/nation/2018/05/12/tesla-autopilot-slams-into-truck-st...
by hicabob
Sun May 13, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 925
Views: 72883

Re: To take or not to take delivery of Tesla 3

Tesla has auto pilot and auto braking trouble IMO. See below. Another model S was involved in a bad car wreck in Utah and there is no indication that the brakes were ever applied. Something is certainly fishy. https://www.usatoday.com/story/news/nation/2018/05/12/tesla-autopilot-slams-into-truck-st...
by hicabob
Sat May 12, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Teen drivers and divorce
Replies: 15
Views: 2168

Re: Teen drivers and divorce

Transfer the car's title to the daughter and give her some $$ for maintenance/insurance? It removes the liability and you are a great dad.
by hicabob
Wed May 09, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Build a retaining wall ?
Replies: 17
Views: 1219

Re: Build a retaining wall ?

Here are a few drawings to see how they get built - I had one build decades ago so developed an interest in them https://www.google.com/search?q=engineered+retaining+wall+5+feet&source=lnms&tbm=isch&sa=X&ved=0ahUKEwjGyPzV-_jaAhWowlQKHUleARUQ_AUICygC&biw=2048&bih=1047#imgdii=FnmcRl4jTMiZ1M:&imgrc=qW_...
by hicabob
Sun May 06, 2018 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Why Shouldn't I Buy McDonalds Or Coke?
Replies: 66
Views: 8230

Re: Why Shouldn't I Buy McDonalds Or Coke?

Although I still have a few singletons among my indices one of the better explanations I've heard for why single stocks are not as desirable is that you are not compensated for the "single stock risk". (i.e. if mcd's has a really bad e-coli episode or similar)
by hicabob
Sat May 05, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Buying house from 1977
Replies: 20
Views: 1530

Re: Buying house from 1977

Geez, I live in a whole neighborhood that was built between 1870 and 1925. There doesn't seem to be a problem. People give a lot to be able to live here. You just learn what is involved in older homes, much of which is far superior to things built since 1980 . . . or 1945 . . . or . . . http://craf...
by hicabob
Sat May 05, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Buying house from 1977
Replies: 20
Views: 1530

Re: Buying house from 1977

Location could be significant. Seismic codes were improved in California in 1978. I don't know about other states in which earthquake resilience is a consideration.
by hicabob
Fri May 04, 2018 5:42 pm
Forum: Investing - Theory, News & General
Topic: Shorting - Can Someone Explain
Replies: 32
Views: 2172

Re: Shorting - Can Someone Explain

Asensio.com is Manuel Asensio's website in which he details his trades and critiques of the companies. He's been a very successful short up until his last one, oled, which he is short at 37 and it's now 102. The website is interesting and I bet you will know some of the companies he made $$ on.
by hicabob
Thu Apr 26, 2018 5:03 pm
Forum: Investing - Theory, News & General
Topic: White Coat Investor Interviews Paul Merriman
Replies: 37
Views: 6361

Re: White Coat Investor Interviews Paul Merriman

I'm too a big fan of Mr Merriman's podcast. His really excellent voice is always so calm and reassuring, perhaps the antithesis of Jim Cramer.
I was surprised that he said he uses a financial adviser on a recent podcast. Of all folk I would have expected Paul to do it himself.
by hicabob
Thu Apr 26, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 5846

Re: Learning to drive stick

Or rent a beater for a weekend and just drive it around on and off, giving yourself time to adjust, perhaps after a lesson. I'd suggest *not* borrowing friends' cars to practice this, if you want to keep the friends! RM Only sticks I've seen for rent in the US are exotics. A "hill holder" transmiss...
by hicabob
Wed Apr 25, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Is my computer obsolete?
Replies: 60
Views: 4225

Re: Is my computer obsolete?

Hoosier CPA wrote:
Wed Apr 25, 2018 11:19 am

Can you still upgrade to Windows 10 for free?


As of a few months ago you certainly could. I used the "alternative" mentioned at the end of this article, worked as expected.


https://www.techradar.com/news/windows- ... ng-in-2018
by hicabob
Tue Apr 24, 2018 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 10320

Re: Cashing out of the Bay Area

That transfer of low prop taxes (prop 60/90) only works between a few California counties ... Alameda,Orange,San Diego,Tuolumne,El Dorado, Riverside,San Mateo,Ventura,Los Angeles,San Bernardino & Santa Clara That is what it currently is, but we have a chance to change it later this year, from what ...
by hicabob
Tue Apr 24, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 10320

Re: Cashing out of the Bay Area

The SF Bay area housing is always in demand. Where else can you get great weather, prop 13 make you keep your house longer for more efficient property tax than out of state. Sure, it's always in demand, but we still get booms and busts like everyone else. The weather wasn't any different in 2010-20...
by hicabob
Sat Apr 14, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: New York State income tax bracket is not a marginal rate?
Replies: 30
Views: 2049

Re: New York State income tax bracket is not a marginal rate?

Actionable advice: it may be worth moving out of NYS and establishing domicile elsewhere before doing things like selling your business or other assets with a lot of appreciation. If NY tax collection is anything like the feared California Franchise Tax Board you had better move the biz to a new st...
by hicabob
Thu Apr 12, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38029

Re: Name something you bought that wasn't cheap and glad you did

A Sawstop table saw. I have twenty digits and I'm very attached to them. I'm retired, I've been around and seen a lot of stuff go down, and that's what the money's for. I agree. Buying one next week to get the free mobile base. I've still got all my digits but I'm buying it as (I think) my last tab...
by hicabob
Tue Apr 10, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: 2 basic SS questions
Replies: 6
Views: 679

Re: 2 basic SS questions

1) Yes they are in today's dollars. 2) That seems very wishful thinking.
by hicabob
Sun Apr 08, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Regrets of the frugal and dying?
Replies: 62
Views: 8834

Re: Regrets of the frugal and dying?

Everyone living is in the process of dying.
by hicabob
Sun Apr 01, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 288
Views: 20996

Re: free dinner investing seminar

maybe a dumb question.. but how do i get invited to a free steak dinner? A reasonably fat bank/investment account and being over 55 helps. The free dinner folk buy your info from the financial institution and then attempt to convince you to convert your 401k's/IRA to indexed annuities. Back in the ...
by hicabob
Sun Apr 01, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Comparison of grocery prices?
Replies: 47
Views: 3875

Re: Comparison of grocery prices?

We have it pretty good. It seems US spends the least on food as percentage of household income of any country. https://www.google.com/search?q=income+spent+on+food+by+country&tbm=isch&source=iu&ictx=1&fir=KUbWXRueAgXngM%253A%252CAScilpiu-5NBjM%252C_&usg=__DjJZc1t96tv3V21CNMarW69O3bI%3D&sa=X&ved=0ah...
by hicabob
Sun Apr 01, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Comparison of grocery prices?
Replies: 47
Views: 3875

Re: Comparison of grocery prices?

People who have spent their entire life in US never really understand how cheap food is (relatively speaking) here compared to almost every other country. Once you have reached the "BH status" aka living well below your means, then minute increase in the food purchases should be inconsequential to ...
by hicabob
Thu Mar 29, 2018 6:53 pm
Forum: Investing - Theory, News & General
Topic: Fisher Investments hard sell
Replies: 40
Views: 38684

Re: Fisher Investments hard sell

He is a billionaire so business has been good. I remember an interview where he admitted they spend a lot on marketing. Supposedly he lags the S+P 500 over pretty much any time period but someone has to pay for that billion and marketing.
by hicabob
Thu Mar 29, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Porsche 911 & Carmax?
Replies: 13
Views: 2731

Re: Porsche 911 & Carmax?

A while ago Jalopnik did an article on buying a high maintenance vehicle (Rangerover) from carmax and using their warranty. It worked out well for him.

https://jalopnik.com/my-range-rover-s-c ... 1733772237
by hicabob
Thu Mar 29, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: LG 75" vs OLED 65" TV or Wait?
Replies: 44
Views: 4017

Re: LG 75" vs OLED 65" TV or Wait?

Funny how organic is now a marketing term in TVs, like buying fruit. All the materials used in making this TV are certified natural! Does the fruit in the fruit basket displayed on the OLED TV have to be organic? It's not really marketing. The electroluminescent layer of an oled, which is what prod...
by hicabob
Mon Mar 26, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Infrared Sauna at home
Replies: 21
Views: 2824

Re: Infrared Sauna at home

Perhaps join a gym with a decent sauna then you have the exercise facilities too for a lot less than $100/mo? Nothing like a sauna after a good workout. The regulars and I frequently solve the world problems while we sweat .
by hicabob
Fri Mar 23, 2018 3:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1403464

Re: U.S. stocks in freefall

RetireBy55 wrote:
Fri Mar 23, 2018 3:56 pm
hicabob wrote:
Fri Mar 23, 2018 3:53 pm
Interestingly enough the S+P 500 is now lower than it was Nov 7, 2017, election day. So much for the "Trump Rally".
Ummmm..election day was *2016*...and the markets are up "YUGELY" since, even with the recent meltdown.
Whoopsy - Of course.
by hicabob
Fri Mar 23, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1403464

Re: U.S. stocks in freefall

Interestingly enough the S+P 500 is now lower than it was Nov 7, 2017, election day. So much for the "Trump Rally".
by hicabob
Wed Mar 21, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Most Effective Rat Poison
Replies: 35
Views: 2923

Re: Most Effective Rat Poison

Rat poisons around here have been killing the bobcats that eat the rats that ate the poison. My neighbor found 2 dead ones and one almost dead.
by hicabob
Sat Mar 17, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Paging BH Gearheads: Reasonable Net Worth for Exotic
Replies: 104
Views: 6603

Re: Paging BH Gearheads: Reasonable Net Worth for Exotic

I guess I just don’t get the allure. I cannot imagine myself ever plunking down that much for a car, especially one that I would be reluctant to drive. Of course, my first new car was a 1977 zippo lighter Ford Pinto, so what do I know? :? I don't get the exotic car thing either but most people have...
by hicabob
Fri Mar 16, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: Paging BH Gearheads: Reasonable Net Worth for Exotic
Replies: 104
Views: 6603

Re: Paging BH Gearheads: Reasonable Net Worth for Exotic

livesoft's, paraphrased as "spend what your portfolio makes or loses in a good/bad day" algorithm works for me.
by hicabob
Tue Mar 13, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: House Hunting Concerns With Well
Replies: 41
Views: 3392

Re: House Hunting Concerns With Well

We have a 400' well that gets something like 12gpm. Just replaced the well pump (about $2,000), and the well tank in the basement will eventually have to be replaced too. We have never had an issue with water pressure or the well "drying up" or anything like that, but if I had it to do over again, ...
by hicabob
Sun Mar 11, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Tax reform SALT affecting in Bay Area?
Replies: 67
Views: 9383

Re: Tax reform SALT affecting in Bay Area?

The "tax effect" appears to be starting to affect my part of the "greater bay area" aka the local rag ...
http://www.santacruzsentinel.com/articl ... /180309665
by hicabob
Sat Mar 10, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Anyone ever have success getting out of a lease?
Replies: 27
Views: 2080

Re: Anyone ever have success getting out of a lease?

My kid got out of a lease early by spotlessly cleaning the place then showing the apartment to potential renters, one of whom the landlord approved of. Obviously the landlord has the power in such a situation.
by hicabob
Fri Mar 09, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: What do you pay for your phone/cable/internet? REAL total with tax?
Replies: 48
Views: 2828

Re: What do you pay for your phone/cable/internet? REAL total with tax?

Comcast 120MB internet w/ super basic cable ... $67 / month
Obihai internet phone on google voice ... free after initial $50 purchase (great phone service too with very cheap intl calls)
republic wireless cell phone ... $20/month.

I think it's the least I have ever paid for the internet+phone.
by hicabob
Wed Mar 07, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: What if you have a poorly rated car?
Replies: 47
Views: 3295

Re: What if you have a poorly rated car?

As Jalopnik says (talking about the Mirage which is apparently the cheapest new car you can but in the US) " It's so vastly better than the entry-level cars we had years ago, it's not even funny."
by hicabob
Mon Feb 26, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: 3 layers of roof. Pull my offer??
Replies: 63
Views: 5959

Re: 3 layers of roof. Pull my offer??

The first house I ever owned had 3 layers of shingles, bought as-is and I knew the roof was crap. That was fun pulling them off when I re-roofed but apparently it was up to code at the time done. Multiple roofs in earthquake zones are not a good idea because the excess weight is at the worst possibl...
by hicabob
Sun Feb 25, 2018 10:51 am
Forum: Investing - Theory, News & General
Topic: Motley Fool and next big iPhone technology
Replies: 11
Views: 1066

Re: Motley Fool and next big iPhone technology

MF likes to pump OLED, masters of organic led patents. "talking their book" I assume.
by hicabob
Sat Feb 24, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: manual typewriters?
Replies: 40
Views: 1770

Re: manual typewriters?

My Dad had an office model IBM Selectric that he used to let me play with when I was younger and smaller and visiting him at work. At the time, it seemed to me that it was about the size of a washing machine. Probably weighed about as much, too. :shock: 2b2 Big but very functional. The fancy Select...
by hicabob
Sat Feb 24, 2018 2:28 pm
Forum: Investing - Theory, News & General
Topic: Buffett's Shareholder Letter [2017]
Replies: 47
Views: 4387

Re: Buffett - Stock to Bond ratio

If not bonds I wonder where Mr Buffett keeps the $116B he's been sitting on?
by hicabob
Fri Feb 23, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 65
Views: 5328

Re: Boglehead Flashlight?

I've had mine for 7 years now, and it's just as good as when new. It uses the same CREE-LED technology that all the top LED lights use now in this category, so you won't get any brighter/longer flashlight for the same build setup regardless of brand. Cree's best leds have improved a lot over the la...
by hicabob
Fri Feb 23, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 83
Views: 5486

Re: Favorite socks?

My uncle just wore hand knitted wool socks up until his demise a few years ago. I'm a whatever socks costco has when I run out type.
by hicabob
Thu Feb 22, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 65
Views: 5328

Re: Boglehead Flashlight?

You could always upgrade the old maglite to led (3 cell or bigger) ... https://www.amazon.com/dp/B06XV8CFJ4/ref=asc_df_B06XV8CFJ45380114/?tag=hyprod-20&creative=395033&creativeASIN=B06XV8CFJ4&linkCode=df0&hvadid=198096195532&hvpos=1o4&hvnetw=g&hvrand=14849971984460187633&hvpone=&hvptwo=&hvqmt=&hvdev...
by hicabob
Wed Feb 21, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Multiple Offer situation/should we pull our offer?
Replies: 72
Views: 5799

Re: Multiple Offer situation/should we pull our offer?

Offer $25k over asking. Pay $100 for a 7-day option period - on day 6 find something that you cannot agree with them on and back out of the contract. Worth $100. :sharebeer I'd never heard of an "option period" wrt RE purchase. A bit of googling seems to imply it's a Texas thing? Has anyone tried i...
by hicabob
Fri Feb 09, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 6696

Re: Live / work in California - Technology Career

I’m not entirely sure what you are asking. Which of your listed areas of California are least expensive, most desirable to you, have the best weather, or something else. All of CA is expensive, and the cities are the most expensive. Southern California has warmer weather than Northern California. T...
by hicabob
Thu Feb 08, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 113
Views: 7182

Re: Suggest coffee maker please

After daily use for a couple months I'm a huge "clever dripper" fan. Simple, easy to clean, infinitely adjustable strength and oh so clever. https://www.amazon.com/Clever-Coffee-Dripper-Large-Ounces/dp/B00EOM5RN0/ref=sr_1_2_sspa?s=home-garden&ie=UTF8&qid=1518131993&sr=1-2-spons&keywords=clever+dripp...