Search found 3060 matches

by hicabob
Tue Sep 29, 2020 5:25 pm
Forum: Personal Consumer Issues
Topic: how do you make your home smell good?
Replies: 36
Views: 2157

Re: how do you make your home smell good?

UpperNwGuy wrote: Tue Sep 29, 2020 5:14 pm I cook delicious food, and the smell of onion, garlic, celery, bell peppers, rosemary, thyme, cumin, oregano, smoked paprika, etc make my home smell wonderful.
Food is the best smell. A picnic roast cooked for 8 hours at 250 prior to crackling it gives the house a delectable "porky" smell.
by hicabob
Tue Sep 29, 2020 10:28 am
Forum: Investing - Theory, News & General
Topic: Share your story of needing to withdraw during accumulation years
Replies: 10
Views: 950

Re: Share your story of needing to withdraw during accumulation years

Divorce - pulled out about 1M. Ouch!
Made it back within a few years and quite a bit more by being self employed and working my butt off.
Being a tech-worker and almost broke at 49yo, except for the house I kept, was a huge incentive for me to work harder and smarter than ever before.
by hicabob
Tue Sep 29, 2020 8:58 am
Forum: Personal Consumer Issues
Topic: Cross country auto transport
Replies: 7
Views: 522

Re: Cross country auto transport

I've done it a couple of times. I called a few brokers up, they put the car , dates, locations "on the board" then various trucking companies bid on the job. Worked out fine but you do get a large variation in prices and have to deal with some curt folk sometimes who spend their day wheeling and dea...
by hicabob
Mon Sep 28, 2020 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay for healthcare (50-65 year olds)
Replies: 40
Views: 4120

Re: How much do you pay for healthcare (50-65 year olds)

64 yo male, $780/month for ACA bronze w/ an HSA and $4900 deductible. You need to figure about $15k/year per person for unsubsidized pre-medicare aca.
by hicabob
Mon Sep 28, 2020 3:13 pm
Forum: Personal Consumer Issues
Topic: Kindergartner who is 1-2 grade levels ahead but don’t want to skip a grade. Options?
Replies: 20
Views: 1269

Re: Kindergartner who is 1-2 grade levels ahead but don’t want to skip a grade. Options?

I wouldn’t skip ahead. When your child gets into high school they are physically less developed and that has lots of implications socially and athletically that are not desirable. Additionally studies outside of the curriculum both now and later is what people do if they want to do well on standard...
by hicabob
Mon Sep 28, 2020 12:41 pm
Forum: Investing - Theory, News & General
Topic: CALPERS Needs 7% Return
Replies: 96
Views: 11569

Re: CALPERS sees the light

CyclingDuo wrote: Mon Sep 28, 2020 12:26 pm
Why do they keep doing it? Why do pension fund trustees keep doing this, and falling for one of the oldest games in the business?


Because they get taken out to really nice meals I expect.
by hicabob
Sun Sep 27, 2020 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Premiums on gold bullion purchase
Replies: 6
Views: 535

Re: Premiums on gold bullion purchase

“ 3% or so in my test, but is a good method for determining what you should expect to get“ So you are saying as a seller, you should get The value of the silver, plus 3% of that value? In my case I was selling a few 1oz .9999 Canadian maples and prices offered to buy them were from 1960 to 2020 - a...
by hicabob
Sun Sep 27, 2020 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Premiums on gold bullion purchase
Replies: 6
Views: 535

Re: Premiums on gold bullion purchase

When I sold a few gold coins I called around a few places. It's quite surprising how much prices vary, 3% or so in my test, but is a good method for determining what you should expect to get.
by hicabob
Sat Sep 26, 2020 5:10 pm
Forum: Personal Consumer Issues
Topic: Oil change disaster
Replies: 54
Views: 5592

Re: Oil change disaster

this reminded me when i was adding oil to car, i forgot to put cap on, and drove 3 days without it, lol, well 3 years later , my car still going strong I think cars vary as to if it would be bad or terrible based on the engine. Once, when I seeing someone off in an old Cessna plane at a little airp...
by hicabob
Sat Sep 26, 2020 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding Estate Tax
Replies: 39
Views: 3004

Re: Avoiding Estate Tax

Interesting that virtually no-one actually pays the estate tax ... from taxpolicycenter.org "For decedents in 2018 (with an exemption of $11.18 million), the Urban-Brookings Tax Policy Center estimated that only about 4,000 estate tax returns were filed, of which only 1,900 were taxable. Estate tax ...
by hicabob
Wed Sep 23, 2020 3:17 pm
Forum: Personal Consumer Issues
Topic: Smoker next door
Replies: 79
Views: 4349

Re: Smoker next door

Ask them politely to smoke somewhere else because you're allergic to tobacco smoke. If this doesn't work, bring it up with your HOA people and see what they suggest. If they can't do anything then move. We live in a bottom floor apartment. We have heel stompers above us we've been dealing with for ...
by hicabob
Wed Sep 23, 2020 11:11 am
Forum: Personal Consumer Issues
Topic: Smoker next door
Replies: 79
Views: 4349

Re: Smoker next door

I know I can’t ask them not to smoke, I put out a fan but it’s doing very little. Looking for any solutions, Thanks. Why can't you talk to them and ask them to smoke elsewhere? The condo CC&Rs may address smoking but even if they do the HOA probably can't do much more than send a warning note. If t...
by hicabob
Tue Sep 22, 2020 12:16 pm
Forum: Personal Consumer Issues
Topic: Do items magically appear in your Amazon cart?
Replies: 27
Views: 1685

Re: Do items magically appear in your Amazon cart?

Once I ordered something in a slightly inebriated state, forgot about it by next morning then had a nice surprise when the mailman delivered it!
by hicabob
Sun Sep 20, 2020 1:48 pm
Forum: Personal Consumer Issues
Topic: Retiring to Canada
Replies: 54
Views: 4286

Re: Retiring to Canada

Has anyone looked into retiring in Canada? If you have, what are the pros and cons? Con: Cold. Literally the entire country. Fifty two years ago, my father was serious about retiring to Canada. Even got the permanent resident visa approved and was ready to go. Went to Vancouver, British Columbia an...
by hicabob
Sun Sep 20, 2020 1:43 pm
Forum: Personal Consumer Issues
Topic: Google voice device ?
Replies: 25
Views: 1505

Re: Google voice device ?

The price went up but polycom appears to support GV still per the "questions"
https://www.amazon.com/Obihai-Technolog ... 270&sr=8-6
by hicabob
Sat Sep 19, 2020 11:19 am
Forum: Personal Consumer Issues
Topic: Cats and Sunbrella-covered sofas
Replies: 11
Views: 914

Re: Cats and Sunbrella-covered sofas

I found microsuede to be the optimal cat resistant furniture covering. It's a weird fabric to cats, they like to lounge on it but don't attack it.
by hicabob
Thu Sep 17, 2020 5:00 pm
Forum: Personal Consumer Issues
Topic: Google Voice number
Replies: 15
Views: 1132

Re: Google Voice number

1) Yes, if you get a new G Voice number, it will not get tied back to you... unless you use your name and the phone number together somewhere that gets scraped into a directory, etc. 2) Zero costs, I have had G Voice for many years. I only paid twice, but that was well known and for particular situ...
by hicabob
Thu Sep 17, 2020 7:53 am
Forum: Personal Consumer Issues
Topic: what do others pay for umbrella insurance, and is it needed?
Replies: 58
Views: 4624

Re: what do others pay for umbrella insurance, and is it needed?

$343 for $4 million through Amica bundled with home and auto.
by hicabob
Tue Sep 15, 2020 5:34 pm
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 111
Views: 6789

Re: Coping with Wildfire smoke

When we “evacuated” last week to avoid the smoke, the AQI (depending on the site) was between 400 and 500 for our town. It looked like a post-apocalyptic scene out there. Would you mind sharing a little more what it looked like? Was the sky unusually colored? Could you actively see large amounts of...
by hicabob
Tue Sep 15, 2020 2:30 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio's Bridgewater
Replies: 24
Views: 2081

Re: Ray Dalio's Bridgewater

I don't have enough money to invest in hedge funds. Few have enough to invest in a Bridgewater fund. I think they want an about 8 billion investment to be interested in a client. It's a strange company ... I have a distant relative employed there, their returns vs boglehead returns are a delicate s...
by hicabob
Tue Sep 15, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: codakids for coding lessons
Replies: 22
Views: 1289

Re: codakids for coding lessons

Does the now ubiquitous use of the terms "coding/code/coder" instead of the proper terms, "programming/program/programmer" irritate other old CS types as much as it does me? Both coder and programmer are equally offensive to software engineers. Almost as bad as referring to them as being in IT. Bil...
by hicabob
Tue Sep 15, 2020 2:02 pm
Forum: Personal Consumer Issues
Topic: codakids for coding lessons
Replies: 22
Views: 1289

Re: codakids for coding lessons

Does the now ubiquitous use of the terms "coding/code/coder" instead of the proper terms, "programming/program/programmer" irritate other old CS types as much as it does me?
by hicabob
Tue Sep 15, 2020 1:55 pm
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 111
Views: 6789

Re: Coping with Wildfire smoke

I might suggest building a couple of box fan filters. (Get a couple of 20" box fans for $20 a pop, get a couple high perf 3M filters rated for allergens, bacteria, and viruses, and tape a filter onto each fan) People with particle counters have tested them and found that they're quite effective at ...
by hicabob
Fri Sep 11, 2020 6:50 pm
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 245
Views: 14902

Re: What is the single best piece of exercise equipment you bought for your home?

I have a powermeter on my non-electric bike so I know full well exactly how many watts it requires to climb even small hills, and I routinely see 250+ watt efforts even for short roller hills. For the non-bike-nerds out there, 250 watts is probably the upper limit of what recreational cyclist who i...
by hicabob
Fri Sep 11, 2020 5:32 pm
Forum: Personal Consumer Issues
Topic: My shrub tree dying?
Replies: 32
Views: 1663

Re: My shrub tree dying?

They look pretty dead. Gophers or similar perhaps?
by hicabob
Fri Sep 11, 2020 4:23 pm
Forum: Personal Consumer Issues
Topic: Wood burning inserts
Replies: 21
Views: 1478

Re: Wood burning inserts

But that coal stove was awesome A friend of mine has a coal stove in PA that he raves about. I think it's hard to get it most places in the US. I used to live in a house with a coal fireplace and a coke stove as a kid in the UK. An open coal fire has to be about the most beautiful fire possible alt...
by hicabob
Fri Sep 11, 2020 2:17 pm
Forum: Personal Consumer Issues
Topic: Used Car issues Ohio
Replies: 37
Views: 1763

Re: Used Car issues Ohio

Sounds like the dealer disconnected the battery for a couple minutes to turn the dash lights off. Easy but sleazy. A scan would have shown the errors.
by hicabob
Fri Sep 11, 2020 12:47 pm
Forum: Personal Consumer Issues
Topic: Wood burning inserts
Replies: 21
Views: 1478

Re: Wood burning inserts

One thing to be careful of if you split with a sledgehammer and maul is getting "golfer's elbow" which seems to not disappear completely. I'm not the only person I know who got the affliction from splitting. I enjoy the exercise and stress relief from splitting wood but use a lighter sledge and don'...
by hicabob
Fri Sep 11, 2020 9:57 am
Forum: Personal Finance (Not Investing)
Topic: So how does CA track residency for tax purposes?
Replies: 37
Views: 2699

Re: So how does CA track residency for tax purposes?

Google tracking (google location history) would seem to be an efficient way to prove one's location nowadays for better or worse.
by hicabob
Mon Sep 07, 2020 6:11 pm
Forum: Personal Consumer Issues
Topic: Dental Insurance
Replies: 36
Views: 2228

Re: Dental Insurance

This year was the first time I ever paid for dental insurance then corona-virus hit and I still have not been able to get the anticipated work done. Bad timing. They don't want to refund me the payments (just $48/mo but some principle involved) for the months when it was/is unusable surprise, surpri...
by hicabob
Mon Sep 07, 2020 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Rice & Beans [limiting food expenses]
Replies: 96
Views: 13921

Re: Rice & Beans [limiting food expenses]

Swee'pea wrote: Mon Sep 07, 2020 10:31 am I hope the OP is doing well.

For anyone interested in low cost healthy meals, this cookbook received good reviews and the pdf is free.
https://books.leannebrown.com/good-and-cheap.pdf
Nice book, thx. It renders so well on my large display which is too uncommon. Contents are good too!
by hicabob
Wed Aug 26, 2020 8:46 pm
Forum: Personal Consumer Issues
Topic: Recommendations for wheat beer
Replies: 43
Views: 2750

Re: Recommendations for wheat beer

Widmer Hefe is decent and readily available in CA.
by hicabob
Sat Aug 22, 2020 4:07 pm
Forum: Personal Investments
Topic: shorting gold (blasphemy, I know)
Replies: 19
Views: 1203

Re: shorting gold (blasphemy, I know)

I have a few coins from way back when, 1978 or so and I'm thinking it might be a good idea to sell them soon. My excuse is I used to work with a convincing gold-bug. Personally I wouldn't short gold though. Many stocks seem way more overvalued than gold if you are really looking to walk on the wild ...
by hicabob
Sat Aug 22, 2020 2:05 pm
Forum: Personal Consumer Issues
Topic: Thoughts on sewage lift station in new home?
Replies: 37
Views: 2751

Re: Thoughts on sewage lift station in new home?

sergio wrote: Sat Aug 22, 2020 2:02 pm I'd rather put in a septic system than deal with a lift station. Also, you've got gravity working against you. I don't even want to think what would happen if the sanitary sewer backed up...
From what I have seen most places with public sewer available don't allow new septic tanks + fields.
by hicabob
Sat Aug 22, 2020 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Should I become a Professional Gambler?
Replies: 84
Views: 8310

Re: Should I become a Professional Gambler?

For those of you commenting on card-counting Bringing Down the House is an older book, but I remember it being a fun read. Worth checking out. "Beat the Dealer" is a really good read too, if you like a little bit of statistics and the writer's following adventures in Vegas. Written by Dr Thorpe of ...
by hicabob
Thu Aug 20, 2020 8:12 am
Forum: Personal Consumer Issues
Topic: Gravel Bike Recommendation
Replies: 98
Views: 5707

Re: Gravel Bike Recommendation

caffeperfavore wrote: Thu Aug 20, 2020 7:59 am
Have you tried a Trek Checkpoint? I was impressed with a carbon fiber/105 model I tried. Felt nearly as light as their Domane endurance bike with more versatility.
How well does the Trek "isospeed decoupler" work? Sounds interesting and appropriate for a gravel bike if it works well.
by hicabob
Wed Aug 19, 2020 6:28 pm
Forum: Investing - Theory, News & General
Topic: Cannot Get Myself To Index
Replies: 29
Views: 2991

Re: Cannot Get Myself To Index

One really nice thing about an index stock is that can be a permanent holding since it's "self cleansing". The average lifespan of a company is not very long. "Technology killing off corporate America: Average life span of companies under 20 years. The average age of an S&P 500 company is under 20 y...
by hicabob
Wed Aug 19, 2020 11:04 am
Forum: Personal Investments
Topic: Fisher vs Cetera [choosing a firm to work with]
Replies: 43
Views: 2771

Re: Fisher vs Cetera [choosing a firm to work with]

Fisher's new ads claim they are a fiduciary too. You'd think at some point the onerous management fee would exclude them being able to use the fiduciary label?
by hicabob
Mon Aug 17, 2020 9:35 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving Seattle or Vancouver, WA
Replies: 88
Views: 6255

Re: Thinking of moving Seattle or Vancouver, WA

I don't scuba. However, friends who do seem to prefer doing so in other locations. They do a little diving up here, but I get the impression it is mostly to practice for their vacations to regions with clearer water and warmer temperatures. I snorkel a little, but again, that's an easier past time ...
by hicabob
Mon Aug 17, 2020 12:22 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving Seattle or Vancouver, WA
Replies: 88
Views: 6255

Re: Thinking of moving Seattle or Vancouver, WA

Portland is way nicer and more interesting than its neighbor Vancouver but there is that pesky state income tax but no sales tax.
by hicabob
Sun Aug 16, 2020 11:27 am
Forum: Personal Consumer Issues
Topic: Cleaners for washing machine, dishwasher, disposal, etc.
Replies: 31
Views: 1785

Re: Cleaners for washing machine, dishwasher, disposal, etc.

Citric acid, aka "sour salt", is food safe and effective for hard water deposit removal . A teaspoon in the dishwasher (do not let mix with detergent or it just fizzles) works very well with super hard well water and for deposits on granite etc. Available from Amazon of course.
by hicabob
Thu Aug 13, 2020 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: My kid scratched my neighbor's new car
Replies: 115
Views: 7277

Re: My kid scratched my neighbor's new car

My understanding is that once you claim on your homeowners you are on the S-list. Amica will not insure you and others will make the $$ they spent back asap, but then I've never claimed. My Dad did once though. The neighbor obviously should be made whole.
by hicabob
Thu Aug 13, 2020 5:24 pm
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 162
Views: 8282

Re: What Car Maintenance Do You Do?

oil/filters/other fluid replacement, tire rotation, headlight lens replacement, hitch install, engine replacement a long time ago, etc. I enjoy it, youtube has made info finding much easier, it's a good excuse to buy tools which I like to do, and is convenient & frugal, especially for an old enginer...
by hicabob
Thu Aug 13, 2020 4:59 pm
Forum: Personal Consumer Issues
Topic: Products that last forever
Replies: 238
Views: 15601

Re: Products that last forever

led light-bulbs, well maybe not forever but I have yet to burn one out. My blacksmith cousin has a 100 year old 700 pound or so anvil that I expect will last a few hundred more years and they actually appreciate in value.
by hicabob
Thu Jul 30, 2020 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: In Search of Part-Time Work While Still Working Full-Time
Replies: 23
Views: 1803

Re: In Search of Part-Time Work While Still Working Full-Time

My uncle, who was a pilot also (ended career with 747's) ,used to do clock repair on the side for a hobby and hopefully profit. Worked well for him but it got noisy at his house when it was 12:00. He told me that antique clocks generally ended up being not such a great investment though.
by hicabob
Wed Jul 29, 2020 6:01 pm
Forum: Investing - Theory, News & General
Topic: I'm not getting why all the love for gold. here's why.
Replies: 87
Views: 4609

Re: I'm not getting why all the love for gold. here's why.

I don’t get it either. Gold has a very few industrial uses, and that’s about it. It has lose to zero actual utility. People buying it are relying on the greater fool theory..... Gold is useful stuff. It's a magnificent non corroding electrical conductor (an iphone has a few bucks of gold inside), m...
by hicabob
Tue Jul 28, 2020 10:33 am
Forum: Forum Issues and Administration
Topic: Bogleheads type forum for discussion of current events?
Replies: 14
Views: 1611

Re: Bogleheads type forum for discussion of current events?

Finance is math and statistics , current events are opinion and emotion. It would seem near impossible to have discussion of current events be as civil as discussion of finances if participation was open. A glimmer of hope is the podcast left,right and center which is a civilized discussion of polit...
by hicabob
Mon Jul 27, 2020 3:38 pm
Forum: Personal Consumer Issues
Topic: Walking OK with sun exposure?
Replies: 87
Views: 6014

Re: Walking OK with sun exposure?

Ive had a lifetime of working outdoors on job sites with thick leather gloves and dark tan on the back of my hands. But I have sensitive skin I guess.😃😃. Aloha J🌺 I would expect the back of hands are somewhat like the top of heads for those of us who are follically challenged. Hands are exposed so ...
by hicabob
Mon Jul 27, 2020 11:41 am
Forum: Personal Consumer Issues
Topic: Walking OK with sun exposure?
Replies: 87
Views: 6014

Re: Walking OK with sun exposure?

Did you know that UV goes through leather gloves? :?: No kidding. You can get sunburn on the back of your hands with leather gloves on. Wierd. j :happy If the gloves have holes in maybe? I think it's pretty safe to say that if visible light can't get through a substance neither can UV. https://www....
by hicabob
Sun Jul 26, 2020 1:38 pm
Forum: Personal Consumer Issues
Topic: Buying a new or used piano - advice needed
Replies: 41
Views: 1931

Re: Buying a new or used piano - advice needed

Larry Fine's "The Piano Book: Buying & Owning a New or Used Pianos" is a classic . https://www.amazon.com/Larry-Fine/dp/1929145012/ref=asc_df_1929145012/?tag=hyprod-20&linkCode=df0&hvadid=312138007830&hvpos=&hvnetw=g&hvrand=7230985104284468833&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvloc...