Search found 2531 matches

by hicabob
Thu Feb 22, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 40
Views: 2207

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: 71
Views: 5024

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: 5895

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: 110
Views: 6344

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...
by hicabob
Wed Feb 07, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Dad gave me money before filing bankruptcy
Replies: 24
Views: 4308

Re: DAD GAVE ME MONEY BEFORE FILING BANKRUPTCY

BeginnerInNYC wrote:
Wed Feb 07, 2018 6:07 pm
You may also want to take a look at 11 U.S. Code § 548(a)(1)(B)(ii)(IV).
That's an excellent link! - not a lawyer here but it seems to this layman that if it (the credit card debt BK I suppose) was planned then 2 years else 90 days?
by hicabob
Wed Feb 07, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Dad gave me money before filing bankruptcy
Replies: 24
Views: 4308

Re: DAD GAVE ME MONEY BEFORE FILING BANKRUPTCY

seems like 90 days according to this reference ...
http://www.alllaw.com/articles/nolo/ban ... sfers.html

I'm surprised it's not a longer time period.
by hicabob
Tue Jan 30, 2018 6:12 pm
Forum: Investing - Theory, News & General
Topic: Technical Analysis of the Financial Markets (Kindle eBook)
Replies: 0
Views: 225

Technical Analysis of the Financial Markets (Kindle eBook)

$2.00 instead of $110. At least the price is boglehead approved. I'm tempted to add to my collection. I love one of the comments ... "Murphy's work is timeless. And useless...." https://slickdeals.net/f/11215643-kindle-ebook-technical-analysis-of-the-financial-markets-a-comprehensive-guide-to-tradin...
by hicabob
Sat Jan 27, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Commission Rates around Metro D.C.
Replies: 6
Views: 425

Re: Real Estate Commission Rates around Metro D.C.

Another poster was mentioning they bought Redfin stock. Interesting company. Perhaps check them out for listing , 1 to 1.5% apparently.
https://www.redfin.com/home-selling-gui ... -explained
by hicabob
Mon Jan 22, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Considering solar on my home
Replies: 18
Views: 1571

Re: Considering solar on my home

letsgobobby wrote:
Mon Jan 22, 2018 6:16 pm
TravelGeek wrote:
Mon Jan 22, 2018 6:11 pm
letsgobobby wrote:
Mon Jan 22, 2018 5:33 pm
Average electric usage: 35 kWh per month
per day?

(my solar system one state south of you produced 21.8 kWh just today and the day isn't over)
Yes, sorry. Per day. Fixed that.
That's pretty good Bobby! How many square feet of panels is that nowadays?
by hicabob
Fri Jan 19, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Learning Swimming @ 40+
Replies: 37
Views: 1864

Re: Learning Swimming @ 40+

Using a swimmer's snorkel helped me. It removes the breathing problem I always had and lets me relax and concentrate on what I'm doing. Most of the swimmers where I swim use a snorkel.
by hicabob
Mon Jan 01, 2018 4:55 pm
Forum: Investing - Theory, News & General
Topic: What the experts say about Bitcoins?
Replies: 114
Views: 8000

Re: What the experts say about Bitcoins?

No expert here but from what I've read blockchain is a distributed ledger contained in a doubly linked list. I suppose the distributed part is sort of clever but doubly linked lists, although quite elegant, are considered basic computer science and not exactly earth shattering new technology. Am I m...
by hicabob
Thu Dec 28, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Think Home might have Asbestos (what to do?)
Replies: 20
Views: 1200

Re: Think Home might have Asbestos (what to do?)

If the material is falling apart, flaking, etc. then you will need professional help removing it. But, depending on state and local laws, you might be able to cheaply remove it yourself as the owner if the material is not friable. Really? I have heard that it is unadvisable to attempt to remove it ...
by hicabob
Fri Dec 22, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 21397

Re: Do you see a meaningful change in your income with new Tax Bill?

Yup - it just may get me off my butt and do my long planned move from California to an income tax free state for a few years.
Bainbridge Island in Washington seems nice.
by hicabob
Sat Dec 16, 2017 6:41 pm
Forum: Investing - Theory, News & General
Topic: Is anyone putting money aside into Gold?
Replies: 107
Views: 8606

Re: Is anyone putting money aside into Gold?

surfstar wrote:
Sat Dec 16, 2017 12:45 pm
I keep my gold and bitcoin allocations equal...

0%
Bitcoin has indeed been a great investment recently, unlike gold, but I think the gold to bitcoin equivalency paradigm you sometimes see nowadays is rude to gold.
by hicabob
Sat Dec 16, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 17339

Re: Save all this money, what do you splurge on?

I also buy some new to me type of tomato seeds every 3 years or so which can be a pricey thing to do because of shipping costs. You can blow 10-30 bucks a year easy on seeds. I mean is there really a point, outside of sheer enjoyment, to growing 20-60 varieties of tomatoes? Much less my snap pea, r...
by hicabob
Fri Dec 15, 2017 7:49 pm
Forum: Investing - Theory, News & General
Topic: 2nd million is easier!
Replies: 123
Views: 23930

Re: 2nd million is easier!

Each additional million is easier yet adds less. Averaged of course.
by hicabob
Thu Dec 14, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: How to find a good realtor that negotiates well
Replies: 21
Views: 1501

Re: How to find a good realtor that negotiates well

When it comes to selling I have previously looked for the "hot shot" realtors who sell the most homes in the particular market. Worked well for me. The local board of realtors can tell you who they are.
by hicabob
Wed Dec 13, 2017 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Play money individual stocks, which ones?
Replies: 49
Views: 3153

Re: Play money individual stocks, which ones?

TXGymGuy84 wrote:
Tue Dec 12, 2017 4:06 pm
OLED!
oled for me too - I have owned for the last decade or so and now it's by far my largest single stock holding. Patience paid off on that one.
by hicabob
Wed Dec 06, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Vegas on a budget
Replies: 49
Views: 3898

Re: Vegas on a budget

3 day trip to Vegas to relax, do we need a rental car? are everything in the walking distance? Completely depends upon where you are staying and what you consider "everything" and "walking distance" to be. I'm not sure why but walking can be deceptive in Vegas. Things look much closer than they are...
by hicabob
Mon Dec 04, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Vegas on a budget
Replies: 49
Views: 3898

Re: Vegas on a budget

Ellis Island. They have their own brew pub with good but cheap beer. 2 very decent but priced for a boglehead restaurants . The bbq restaurant there is excellent.
by hicabob
Tue Nov 28, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: selling stock to an individual
Replies: 6
Views: 715

Re: selling stock to an individual

If you have stock in an online brokerage account - can you sell it to an individual? Thinking of selling some stock at cost basis to an individual family member (70% discount to market price). How can this be done? Tks That would be nice but unfortunately the gift recipient inherits your basis. (pr...
by hicabob
Mon Nov 27, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 157
Views: 18342

Re: Chromebooks- What is the lure?

I'm on the verge of ordering a Chromebook for my spouse. A requirement, however, is the ability to Skype. I find information claiming that Skype can be made to run on a Chromebook, but it sounds awkward and unreliable. Can anyone comment on this? There also seems to be a Google equivalent of Skype....
by hicabob
Tue Nov 21, 2017 1:15 pm
Forum: Investing - Theory, News & General
Topic: How long does it take a losing company to shutdown?
Replies: 16
Views: 1333

Re: How long does it take a losing company to shutdown?

There are public companies that have been losing money for decades.They stay alive by selling their stock . PRKR and REFR come to mind since they have never had a profitable quarter in their existence. I suppose it depends how good at selling the stock the CEO is.
by hicabob
Mon Nov 20, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: service life of (walk behind) lawn mower?
Replies: 45
Views: 3182

Re: service life of (walk behind) lawn mower?

Supposedly little engines start polluting a lot more before they expire if that's a consideration for you . This, from https://www.bobistheoilguy.com/forums/ubbthreads.php?ubb=showflat&Number=1399179 is interesting ... "Today, there is a really easy to determine new small engine lifespan. The EPA ha...
by hicabob
Mon Nov 20, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Do you record customer service interactions?
Replies: 23
Views: 1392

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: 43
Views: 2277

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: 2846

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: 108
Views: 13636

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: 1391

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: 108
Views: 9555

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: 1789

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: 1789

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: 2168

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: 2168

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: 44
Views: 5736

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: 5452

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: 5452

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: 1091

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: 6635

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: 58
Views: 5363

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: 58
Views: 5363

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: 58
Views: 5363

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: 58
Views: 5363

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: 7018

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: 7018

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: 1857

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: 1208

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: 385
Views: 28591

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....