Search found 2605 matches

by hicabob
Wed Jul 18, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: Possible Knob & Tube in an older home.
Replies: 26
Views: 1905

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: 114
Views: 6316

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: 26
Views: 1905

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: 2852

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: 5359

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: 2345

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: 4601

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: 12855

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: 957

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: 666

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: 6969

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: 6969

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: 2136

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: 32323

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: 949

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: 2984

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: 3641

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: 817

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: 4788

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: 3617

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: 3617

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: 1803

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: 2514

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: 7362

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: 2325

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: 1319

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: 7362

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: 1211

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: 1186

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: 698

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: 2482

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: 2999

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: 103952

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: 1326
Views: 103952

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: 1326
Views: 103952

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: 2249

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: 19
Views: 1623

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: 8534

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: 1652

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: 1652

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: 2369

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: 6720

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: 6535

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: 4523

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: 10964

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: 10964

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: 2220

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: 39387

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: 723

Re: 2 basic SS questions

1) Yes they are in today's dollars. 2) That seems very wishful thinking.