Search found 2621 matches

by hicabob
Wed Sep 19, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 205
Views: 13204

Re: What is your single most expensive mistake?

Majoring in Chemistry/Biochemistry. Every time I hang up on a recruiter wanting to pay me $15 an hour (with an MSc and 10 years experience) with no or crap benefits reinforces that. Chemistry used to suck way back when. I switched to computer science in the 70's. Ended up doing some analytical dete...
by hicabob
Wed Sep 05, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: New microwave or seek service options?
Replies: 17
Views: 722

Re: New microwave or seek service options?

I just replaced the magnetron on my built-in combo oven/microwave last month. It was a bear to access, so much sheet metal! The new equivalent magnetron was only $75 and fixed the problem. Replacing the unit would be $3000+. (lesson learned ... don't get builtins) Verify it's the magnetron with an o...
by hicabob
Tue Aug 21, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Holding mortgage notes in an IRA
Replies: 5
Views: 360

Re: Holding mortgage notes in an IRA

Davistax wrote:
Tue Aug 21, 2018 5:30 pm
This would be a transaction with disqualified individuals as defined in Internal Revenue Code section 4975 and, consequently, be a prohibitive transaction. DO NOT DO IT!!!
Thanks! Bummer but thank-you.
by hicabob
Tue Aug 21, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Holding mortgage notes in an IRA
Replies: 5
Views: 360

Holding mortgage notes in an IRA

My kids are at the time in life when they want to buy real estate. I'd like to help them as my parents did for me. I am wondering how feasible it is to finance their mortgages and have the payments go to my IRA to avoid paying tax on the income. I know I'd need a self-directed IRA for this and I'm c...
by hicabob
Sun Aug 19, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 121
Views: 12736

Re: Tips on Buying a Class-B RV

I thought these looked interesting. I haven't seen one in person but the design seems sensible and the price reasonable relative to others.

https://www.modvans.com/
by hicabob
Fri Aug 17, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Best (most practical, low cost) Luggage for Airline Travel
Replies: 56
Views: 3804

Re: Best (most practical, low cost) Luggage for Airline Travel

Travelpro. Great bags at a reasonable price. Lots of flight crews use them. ^ This. I travel alot on business and I'd say the vast majority of pilots and flight attendants I see in airports are toting Travelpro bags. Thirded. I bought them for this reason. Outstanding quality for the price. I bough...
by hicabob
Fri Aug 17, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: physics/math major looking for programmer/analyst job?
Replies: 89
Views: 5554

Re: physics/math major looking for programmer/analyst job?

Maybe a physics/math intensive software field such as motion control, image analysis, signal processing, instrumentation, etc. where his math/physics background would be an advantage?
by hicabob
Wed Aug 15, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Time for new phone, Buy or Lease?
Replies: 30
Views: 2099

Re: Time for new phone, Buy or Lease?

I'd buy an entry/mid phone. You can get a Motorola from Costco for about $120 and any of the newer phones at places like Cricket are about $100-150. They are all equivalent to "high end" phones from a couple years ago. For reference I just received a Samsung J7 Star from my employer. It has better ...
by hicabob
Sun Aug 12, 2018 10:44 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe:Don’t Go “Mad Money”
Replies: 22
Views: 3382

Re: Larry Swedroe:Don’t Go “Mad Money”

I installed some stuff in the Cramer/Kudlow studio many years back. Jim was loved by the staff and a nice guy. Other one not so much. I love this quote from Larry's article....Cramer himself provides a fitting conclusion: In a 2007 issue of New York magazine, he stated: “God knows why, but there see...
by hicabob
Fri Aug 10, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: First time taking kids to airport..
Replies: 28
Views: 2373

Re: First time taking kids to airport..

Long-term parking is around $80. A shuttle is about $55 (no waiting, no stops). Park at the airport. Agreed. Probably less an issue on the way out, but you'll likely not want to mess with a van ride making other stops on the way home. Kids and simplicity go hand in hand. Or use Skypark (or similar)...
by hicabob
Tue Aug 07, 2018 6:52 am
Forum: Investing - Theory, News & General
Topic: HELP!!!!! Need to find documentation of index superiority
Replies: 32
Views: 2900

Re: HELP!!!!! Need to find documentation of index superiority

perhaps straight from the "horses mouth"? http://jpm.iijournals.com/content/40/5/42 "Among all of the fine articles published in that inaugural edition, one struck me like a bolt of lightning. It was Paul Samuelson’s “Challenge to Judgment.” In a mere four pages, this distinguished Nobel Laureate in...
by hicabob
Mon Aug 06, 2018 4:36 pm
Forum: Investing - Theory, News & General
Topic: Jamie Dimon: Higher rates are coming
Replies: 42
Views: 6741

Re: Jamie Dimon: Higher rates are coming

Hey there fellow Bogleheads! For discussion purposes, at what yield would you be content with putting all your eggs into one basket? 7%, 10%, 15% or higher? Or would you stick to a bond / stock allocation based on age? J.M Depends on inflation - 7% would seem great now but back in the Carter days ....
by hicabob
Wed Aug 01, 2018 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: How long have you been retired and how much have you spent on health out of pocket?
Replies: 18
Views: 2064

Re: How long have you been retired and how much have you spent on health out of pocket?

5 years retired - biggest health expense by far is unsubsidized ACA bronze health insurance which is now 724/mo @ 62yo w/ kaiser. Second biggest expense, but with a nice tax-advantaged eventual payback, is my HSA, which I always fully fund and have in an s+p500 fund so its done well. Are you allowe...
by hicabob
Wed Aug 01, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: How long have you been retired and how much have you spent on health out of pocket?
Replies: 18
Views: 2064

Re: How long have you been retired and how much have you spent on health out of pocket?

5 years retired - biggest health expense by far is unsubsidized ACA bronze health insurance which is now 724/mo @ 62yo w/ kaiser. Second biggest expense, but with a nice tax-advantaged eventual payback, is my HSA, which I always fully fund and have in an s+p500 fund so its done well.
by hicabob
Tue Jul 24, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: Daughter wants to travel on her own to Montreal
Replies: 105
Views: 7130

Re: Daughter wants to travel on her own to Montreal

Pretty much everything is in French so she better have a plan for that. What would one do for 4-5 days in Montreal? Can think of plenty of better places, but to each his own Is the Jazz Festival or the Comedy Festival still on? Then I can't think of a better place*. * New York. Of course. Practical...
by hicabob
Sat Jul 21, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Unpermitted structure - options?
Replies: 27
Views: 2677

Re: Unpermitted structure - options?

I have an un-permitted detached garage that the tax assessor noticed after an extensive main house remodel (which involved making previously un-permitted stuff legal). I was up front and said yeah, my contractor needed some work, offered me a great deal, and had built 2 identical units before so we ...
by hicabob
Wed Jul 18, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: Possible Knob & Tube in an older home.
Replies: 29
Views: 2513

Re: Possible Knob & Tube in an older home.

mouses wrote:
Wed Jul 18, 2018 5:57 pm
I lived in a house with knob and tube wiring for over thirty years, and here I am to tell the tale.
A ground being available is generally considered an excellent idea. 2 prong sockets are a little more dangerous.
by hicabob
Wed Jul 18, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 7472

Re: Anyone not have a Budget?

Never had a budget, but since I was a little kid, I've always been good at keeping a tab in my head which I suppose acts in a similar manner as a budget. I suspect many Boglehead types do the same.
by hicabob
Wed Jul 18, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Possible Knob & Tube in an older home.
Replies: 29
Views: 2513

Re: Possible Knob & Tube in an older home.

Just taking the cover plate off the sockets and switches would indicate if the wiring has been redone. Look for modern romex type wire instead of 150 year old stuff.
by hicabob
Thu Jul 12, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Grandpa's 88 and has term life insurance
Replies: 39
Views: 3083

Re: Grandpa's 88 and has term life insurance

He certainly doesn't need it but it might be a good bet actuarially if he likes that sort of thing. At 88 he has a life expectancy of a little under 5 years aka social security table.
https://www.ssa.gov/oact/STATS/table4c6.html
by hicabob
Thu Jul 12, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5922

Re: Anyone take naps at work?

Google, which appears to be a reasonably well run company with hard working employees, has nap pods.
https://www.geek.com/gadgets/google-use ... d-1264430/
by hicabob
Tue Jul 03, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Prime Money Market vs. 'Brick & Mortar' Savings Account
Replies: 18
Views: 2769

Re: Prime Money Market vs. 'Brick & Mortar' Savings Account

I just bought quite a bit of VMMXX. It seems to be a decent place-holder choice at the moment if liquidity is desired.
by hicabob
Sun Jul 01, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: bike helmets
Replies: 82
Views: 5021

Re: bike helmets

That MIPS "sliding layer" is interesting. Thanks for mentioning it.

https://www.bellhelmets.com/mips/
by hicabob
Sat Jun 30, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 13903

Re: What are your property taxes?

Santa Cruz Ca, $8400/yr prop tax on 1.4M home, 9% sales tax. The CA state income tax on long term cap gains (taxed as ordinary income) is what gets me ... but it is nice here in many respects.
by hicabob
Sat Jun 30, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Bogleheads approach to hair loss?
Replies: 15
Views: 1047

Re: Bogleheads approach to hair loss?

No worries, hair will start sprouting from your ears and nose to compensate :happy
by hicabob
Thu Jun 28, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: what to use to patch small holes in plaster(?) ceiling?
Replies: 10
Views: 724

Re: what to use to patch small holes in plaster(?) ceiling?

lightweight spackle resists gravity better than the cheaper heavy stuff

https://www.amazon.com/3M-Patch-Primer- ... merReviews
by hicabob
Wed Jun 27, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: CNBC: Social Security buying power has slipped by a third for retirees
Replies: 95
Views: 7250

Re: CNBC: Social Security buying power has slipped by a third for retirees

I'm going to call partial BS on the original article. Among the top items they have "home heating oil" - how many people use home heating oil as a primary source? Most people use natural gas or coal which have increased modestly over time due to fracking boom. Do people really still heat their home...
by hicabob
Wed Jun 27, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: CNBC: Social Security buying power has slipped by a third for retirees
Replies: 95
Views: 7250

Re: CNBC: Social Security buying power has slipped by a third for retirees

Impartial or not, they aren't wrong. I've long argued that the way the government measures inflation is underreported. I thought we had a good convo about it in the below thread. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=252130 They just don't include the things that get more expensive.
by hicabob
Tue Jun 26, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Reason for Airlines horrible ticket policy
Replies: 32
Views: 2289

Re: Reason for Airlines horrible ticket policy

I too am a Southwest fan. It seems that Alaska recently went away from a similar to Southwest policy to a fee required for itinerary changes policy. Their OR people must have thought it would be a proitable move - we shall see.
by hicabob
Sat Jun 23, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 34779

Re: What is/ was your career and would you recommend it now?

Mechanical Engineer (ME) here with an emphasis on the fluids and thermo-physics side of the house. Ending up specializing in explosives technology. I can tell you the field is really booming! I would certainly recommend ME to anyone, but I went the path of getting a PhD and working at a government ...
by hicabob
Fri Jun 22, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Fixing drip irrigation line
Replies: 13
Views: 1002

Re: Fixing drip irrigation line

The connectors are "barbed" on the ones I'm familiar with - a one way push fit is the idea. Cut them off by slicing thru the hose with a knife then clean the hose end up. Youtube is your friend. Experiment with a bit of hose and some fittings. It's easy and all kind of cool parts are made. Animals c...
by hicabob
Fri Jun 22, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Complain or Negative Review for Rip-off Plumber?
Replies: 29
Views: 3133

Re: Complain or Negative Review for Rip-off Plumber?

My feeling is that a negative review might make one feel better but accomplishes little other than leaving you open to litigation albeit unlikely.
by hicabob
Fri Jun 01, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 3903

Re: Sherwin Williams paint

I was getting paint at HD the other day and while waiting at the counter chatted to another customer about paint of course. He told me our landfill recycles old paint that is still good and has white, a grey/green and a brown exterior paint available to anyone that wants it. He used it to paint his ...
by hicabob
Thu May 31, 2018 8:02 pm
Forum: Investing - Theory, News & General
Topic: Entreprenuerial opinions/advice
Replies: 7
Views: 882

Re: Entreprenuerial opinions/advice

for some businesses going to the relevant trade shows and perhaps exhibiting/selling works well. You will meet all manner of other folk in the same biz too.
by hicabob
Wed May 30, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: My mind exploded
Replies: 79
Views: 5103

Re: My mind exploded

I did much worse at that age. Perhaps it's time to stop looking at her account?
by hicabob
Tue May 29, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: New roof - does this ridge vent look right?
Replies: 40
Views: 3785

Re: New roof - does this ridge vent look right?

I am considering having an inspection done after they "correct" the ridge vent. Would you all recommend another roofing contractor or a general home inspector? Most places in the US you are supposed to get a permit which then involves the county inspector coming around a couple times. No inspector ...
by hicabob
Tue May 29, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: New roof - does this ridge vent look right?
Replies: 40
Views: 3785

Re: New roof - does this ridge vent look right?

I am considering having an inspection done after they "correct" the ridge vent. Would you all recommend another roofing contractor or a general home inspector? Most places in the US you are supposed to get a permit which then involves the county inspector coming around a couple times. No inspector ...
by hicabob
Sun May 27, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Remote temperature monitoring
Replies: 22
Views: 1913

Re: Remote temperature monitoring

I'm sure there is a purpose built cheap option, but how about a cheap remote access security camera looking at a thermometer? That said, I like the Nest thermostat that was just installed on Friday. The cheap camera looking at a thermometer is a good idea! I just installed a Wyze V2 ($26) that work...
by hicabob
Sat May 26, 2018 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Leave Traditional IRA to Grandkids?
Replies: 21
Views: 2615

Re: Should I Leave Traditional IRA to Grandkids?

It seems to me that if a savvy person inheriting a traditional ira does better or worse than the same ira converted to a roth depends on the tax bracket of the decedent and the inheritor at the time of taxation.
by hicabob
Sat May 26, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 7950

Re: Tesla Autopilot, worth it?

I would skip it. Not just the 'safety issues', but I wouldn't wanna deal with the perpetual software updates and it's new quirks after every update. I can barely keep up with my computer and phone updates. I would keep it as close to basic no frills spec as possible and get a AAA membership just in...
by hicabob
Sat May 26, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Brick pavers on the edge of my porch are already falling off
Replies: 31
Views: 2482

Re: Brick pavers on the edge of my porch are already falling off

I have a few thousand sq feet of pavers including many with "glued borders" . You need the proper glue, I use Loctite 500 landscape, surfaces should be clean and dry as in scrubbing them first with tsp or similar and removing old loose glue, and when you apply the new glue use big "blobs" (2 per pav...
by hicabob
Thu May 24, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Buying Crypto tokens in private sale prior to ICO
Replies: 21
Views: 1409

Re: Buying Crypto tokens in private sale prior to ICO

There are an infinite number of possible crypto's. Maybe pay a penny per coin for a few coins for laughs but otherwise I'd pass. At best crypto's are speculative and not investments but the new "ico's" are too little too late so tend to be classified as scams even though one could argue they have as...
by hicabob
Wed May 23, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 7950

Re: Tesla Autopilot, worth it?

All of the serious self-driving cars currently have an ugly bump on the top for LIDAR. Tesla has a story about why they don't use LIDAR and don't think it helps, but it doesn't sound convincing to me. I think the omission of LIDAR is perhaps for cost saving? I've seen the mapping produced by a lida...
by hicabob
Wed May 23, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Root canal/Crown for a tooth that was worked on 6 months ago.
Replies: 11
Views: 1304

Re: Root canal/Crown for a tooth that was worked on 6 months ago.

I had similar decades ago on a "heavily worked" tooth. Dentist said if you beat on a tooth enough you can kill the nerves in it which sounded reasonable. Dead nerves = root canal.
by hicabob
Fri May 18, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Quadcopter Drone anybody? - for beginner
Replies: 15
Views: 1295

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: 744

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: 2585

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: 3228

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: 1326
Views: 109417

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