Search found 2558 matches

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: 1877

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: 37288

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: 646

Re: 2 basic SS questions

1) Yes they are in today's dollars. 2) That seems very wishful thinking.
by hicabob
Sun Apr 08, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Regrets of the frugal and dying?
Replies: 62
Views: 8607

Re: Regrets of the frugal and dying?

Everyone living is in the process of dying.
by hicabob
Sun Apr 01, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 287
Views: 19698

Re: free dinner investing seminar

maybe a dumb question.. but how do i get invited to a free steak dinner? A reasonably fat bank/investment account and being over 55 helps. The free dinner folk buy your info from the financial institution and then attempt to convince you to convert your 401k's/IRA to indexed annuities. Back in the ...
by hicabob
Sun Apr 01, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Comparison of grocery prices?
Replies: 47
Views: 3642

Re: Comparison of grocery prices?

We have it pretty good. It seems US spends the least on food as percentage of household income of any country. https://www.google.com/search?q=income+spent+on+food+by+country&tbm=isch&source=iu&ictx=1&fir=KUbWXRueAgXngM%253A%252CAScilpiu-5NBjM%252C_&usg=__DjJZc1t96tv3V21CNMarW69O3bI%3D&sa=X&ved=0ah...
by hicabob
Sun Apr 01, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Comparison of grocery prices?
Replies: 47
Views: 3642

Re: Comparison of grocery prices?

People who have spent their entire life in US never really understand how cheap food is (relatively speaking) here compared to almost every other country. Once you have reached the "BH status" aka living well below your means, then minute increase in the food purchases should be inconsequential to ...
by hicabob
Thu Mar 29, 2018 6:53 pm
Forum: Investing - Theory, News & General
Topic: Fisher Investments hard sell
Replies: 40
Views: 37681

Re: Fisher Investments hard sell

He is a billionaire so business has been good. I remember an interview where he admitted they spend a lot on marketing. Supposedly he lags the S+P 500 over pretty much any time period but someone has to pay for that billion and marketing.
by hicabob
Thu Mar 29, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Porsche 911 & Carmax?
Replies: 13
Views: 2645

Re: Porsche 911 & Carmax?

A while ago Jalopnik did an article on buying a high maintenance vehicle (Rangerover) from carmax and using their warranty. It worked out well for him.

https://jalopnik.com/my-range-rover-s-c ... 1733772237
by hicabob
Thu Mar 29, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: LG 75" vs OLED 65" TV or Wait?
Replies: 44
Views: 3759

Re: LG 75" vs OLED 65" TV or Wait?

Funny how organic is now a marketing term in TVs, like buying fruit. All the materials used in making this TV are certified natural! Does the fruit in the fruit basket displayed on the OLED TV have to be organic? It's not really marketing. The electroluminescent layer of an oled, which is what prod...
by hicabob
Mon Mar 26, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Infrared Sauna at home
Replies: 15
Views: 1543

Re: Infrared Sauna at home

Perhaps join a gym with a decent sauna then you have the exercise facilities too for a lot less than $100/mo? Nothing like a sauna after a good workout. The regulars and I frequently solve the world problems while we sweat .
by hicabob
Fri Mar 23, 2018 3:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371635

Re: U.S. stocks in freefall

RetireBy55 wrote:
Fri Mar 23, 2018 3:56 pm
hicabob wrote:
Fri Mar 23, 2018 3:53 pm
Interestingly enough the S+P 500 is now lower than it was Nov 7, 2017, election day. So much for the "Trump Rally".
Ummmm..election day was *2016*...and the markets are up "YUGELY" since, even with the recent meltdown.
Whoopsy - Of course.
by hicabob
Fri Mar 23, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371635

Re: U.S. stocks in freefall

Interestingly enough the S+P 500 is now lower than it was Nov 7, 2017, election day. So much for the "Trump Rally".
by hicabob
Wed Mar 21, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Most Effective Rat Poison
Replies: 35
Views: 2820

Re: Most Effective Rat Poison

Rat poisons around here have been killing the bobcats that eat the rats that ate the poison. My neighbor found 2 dead ones and one almost dead.
by hicabob
Sat Mar 17, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Paging BH Gearheads: Reasonable Net Worth for Exotic
Replies: 104
Views: 6437

Re: Paging BH Gearheads: Reasonable Net Worth for Exotic

I guess I just don’t get the allure. I cannot imagine myself ever plunking down that much for a car, especially one that I would be reluctant to drive. Of course, my first new car was a 1977 zippo lighter Ford Pinto, so what do I know? :? I don't get the exotic car thing either but most people have...
by hicabob
Fri Mar 16, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: Paging BH Gearheads: Reasonable Net Worth for Exotic
Replies: 104
Views: 6437

Re: Paging BH Gearheads: Reasonable Net Worth for Exotic

livesoft's, paraphrased as "spend what your portfolio makes or loses in a good/bad day" algorithm works for me.
by hicabob
Tue Mar 13, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: House Hunting Concerns With Well
Replies: 41
Views: 3313

Re: House Hunting Concerns With Well

We have a 400' well that gets something like 12gpm. Just replaced the well pump (about $2,000), and the well tank in the basement will eventually have to be replaced too. We have never had an issue with water pressure or the well "drying up" or anything like that, but if I had it to do over again, ...
by hicabob
Sun Mar 11, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Tax reform SALT affecting in Bay Area?
Replies: 67
Views: 9243

Re: Tax reform SALT affecting in Bay Area?

The "tax effect" appears to be starting to affect my part of the "greater bay area" aka the local rag ...
http://www.santacruzsentinel.com/articl ... /180309665
by hicabob
Sat Mar 10, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Anyone ever have success getting out of a lease?
Replies: 27
Views: 2024

Re: Anyone ever have success getting out of a lease?

My kid got out of a lease early by spotlessly cleaning the place then showing the apartment to potential renters, one of whom the landlord approved of. Obviously the landlord has the power in such a situation.
by hicabob
Fri Mar 09, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: What do you pay for your phone/cable/internet? REAL total with tax?
Replies: 48
Views: 2735

Re: What do you pay for your phone/cable/internet? REAL total with tax?

Comcast 120MB internet w/ super basic cable ... $67 / month
Obihai internet phone on google voice ... free after initial $50 purchase (great phone service too with very cheap intl calls)
republic wireless cell phone ... $20/month.

I think it's the least I have ever paid for the internet+phone.
by hicabob
Wed Mar 07, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: What if you have a poorly rated car?
Replies: 47
Views: 3219

Re: What if you have a poorly rated car?

As Jalopnik says (talking about the Mirage which is apparently the cheapest new car you can but in the US) " It's so vastly better than the entry-level cars we had years ago, it's not even funny."
by hicabob
Mon Feb 26, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: 3 layers of roof. Pull my offer??
Replies: 63
Views: 5878

Re: 3 layers of roof. Pull my offer??

The first house I ever owned had 3 layers of shingles, bought as-is and I knew the roof was crap. That was fun pulling them off when I re-roofed but apparently it was up to code at the time done. Multiple roofs in earthquake zones are not a good idea because the excess weight is at the worst possibl...
by hicabob
Sun Feb 25, 2018 10:51 am
Forum: Investing - Theory, News & General
Topic: Motley Fool and next big iPhone technology
Replies: 11
Views: 988

Re: Motley Fool and next big iPhone technology

MF likes to pump OLED, masters of organic led patents. "talking their book" I assume.
by hicabob
Sat Feb 24, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: manual typewriters?
Replies: 40
Views: 1715

Re: manual typewriters?

My Dad had an office model IBM Selectric that he used to let me play with when I was younger and smaller and visiting him at work. At the time, it seemed to me that it was about the size of a washing machine. Probably weighed about as much, too. :shock: 2b2 Big but very functional. The fancy Select...
by hicabob
Sat Feb 24, 2018 2:28 pm
Forum: Investing - Theory, News & General
Topic: Buffett's Shareholder Letter [2017]
Replies: 47
Views: 4304

Re: Buffett - Stock to Bond ratio

If not bonds I wonder where Mr Buffett keeps the $116B he's been sitting on?
by hicabob
Fri Feb 23, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 65
Views: 5173

Re: Boglehead Flashlight?

I've had mine for 7 years now, and it's just as good as when new. It uses the same CREE-LED technology that all the top LED lights use now in this category, so you won't get any brighter/longer flashlight for the same build setup regardless of brand. Cree's best leds have improved a lot over the la...
by hicabob
Fri Feb 23, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 83
Views: 5335

Re: Favorite socks?

My uncle just wore hand knitted wool socks up until his demise a few years ago. I'm a whatever socks costco has when I run out type.
by hicabob
Thu Feb 22, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 65
Views: 5173

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: 72
Views: 5705

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: 6406

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: 113
Views: 6959

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: 4384

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: 4384

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: 259

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: 451

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: 1620

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: 1926

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: 8355

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: 1270

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: 22351

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: 147
Views: 13709

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: 18049

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: 24439

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: 1569

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: 3339

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: 4019

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: 4019

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: 739

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...