Search found 2719 matches

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: 28
Views: 1763

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: 1706

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: 1111

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: 55
Views: 1819

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: 3255

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: 2952

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: 2951

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: 301

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: 2754

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: 2272

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: 67991

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: 2382

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: 6306

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: 1359

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: 11378

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: 3919

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: 883

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: 2886

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: 7878

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: 7878

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: 7878

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: 1248

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: 2772

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: 8816

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: 1371
Views: 72274

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: 2064

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: 1219

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: 1579

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: 954

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: 1448

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: 1162

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: 1956

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: 5412

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: 567

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: 449

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: 3506

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: 510

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: 510

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: 70
Views: 10750

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: 7139

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...
by hicabob
Sun Feb 03, 2019 2:18 pm
Forum: Personal Investments
Topic: Besides your core.. anyone also hold a play account?
Replies: 61
Views: 3186

Re: Besides your core.. anyone also hold a play account?

I have a couple IRA's that were balanced to exactly equal $$ about 10 years ago. One is straight US index, the other I pick the stocks. The winner varies but right now my picks have an 11% lead over the index account :happy I consider managing it a hobby and it's certainly educational. The "play acc...
by hicabob
Sun Feb 03, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: How: cross-country shipping/moving
Replies: 17
Views: 742

Re: How: cross-country shipping/moving

Hi, I need to ship one room worth of stuff (table, few chairs, few suitcases) from Texas to New York. I am in Texas and my friend can receive the items at his address in New York. Can someone please suggest some ways to do this? At a reasonable price. Thank you ... Uhaul U-boxes are not too bad fro...
by hicabob
Sat Feb 02, 2019 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Is roth conversion worth it in all cases?
Replies: 64
Views: 4838

Re: Is roth conversion worth it in all cases?

If you live in super high income tax state such as California, Hawaii, Oregon, Minnesota, Iowa, New Jersey , Vermont, District of Columbia ,etc. convert or not gets more interesting.
by hicabob
Sat Feb 02, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Building a house in rural mountains
Replies: 70
Views: 7139

Re: Building a house in rural mountains

This thread prompted me to look at rural vs urban life expectancy. In the US urban dwellers live longer, in the UK rural dwellers do. This quite interesting article looks at why ... the poverty in many US rural areas seems to play a big role. I guess we read a different article because i got this o...
by hicabob
Sat Feb 02, 2019 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Building a house in rural mountains
Replies: 70
Views: 7139

Re: Building a house in rural mountains

This thread prompted me to look at rural vs urban life expectancy. In the US urban dwellers live longer, in the UK rural dwellers do. This quite interesting article looks at why ... the poverty in many US rural areas seems to play a big role. https://www.citylab.com/environment/2018/02/why-rural-bri...
by hicabob
Sat Feb 02, 2019 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Building a house in rural mountains
Replies: 70
Views: 7139

Re: Building a house in rural mountains

Which rural mountains? Eastern/Southern states with deciduous trees or Western states with pine trees and forest fires? If a Western state then you need to either hire the area around your house to be cleared and fire resistant landscaping put in or learn to run a chainsaw and do it yourself. I had...
by hicabob
Fri Feb 01, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: Strategy for renting a car with modern active safety/assist packages?
Replies: 24
Views: 952

Re: Strategy for renting a car with modern active safety/assist packages?

"driver assistance package" seems to be current nomenclature. A few months ago I rented a VW passat that theoretically had it - but the front radar didn't work which makes it not so useful. "Fullsize or premium" cars seem to be most likely to have driver assistance and often cost only a few percent ...
by hicabob
Thu Jan 31, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?
Replies: 151
Views: 9607

Re: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?

Dog door is the answer. He will keep the neighborhood cats out but might bring in a treasure, so a dog door with restricted access once he gets in? My sister has 2 mini-dachshunds, one of them a semi-incontinent 15yo. The doxies have quite an elegant and very comfortable box (fancy crate?) next to t...
by hicabob
Wed Jan 30, 2019 12:45 pm
Forum: Investing - Theory, News & General
Topic: FIRECalc, do you accept their assumption?
Replies: 91
Views: 7080

Re: FIRECalc, do you accept their assumption?

Firecalc seems a lot better than sailing blind but as a famous person once said
“It is very hard to predict, especially the future.”
by hicabob
Wed Jan 30, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: Frost on outside edges of vinyl windows?
Replies: 12
Views: 673

Re: Frost on outside edges of vinyl windows?

At certain temperatures there is no solution to the frost on the windows issue. The humidity inside your house cannot get low enough when the outside temp is very cold. We have a "Frost Control" setting on our thermostat. Even then, we still get frost inside the window. These are triple pane window...