Search found 2635 matches

by hicabob
Thu Oct 18, 2018 5:42 pm
Forum: Investing - Theory, News & General
Topic: Forever Stamps as an Investment?
Replies: 32
Views: 3498

Re: Forever Stamps as an Investment?

PoppyA wrote:
Thu Oct 18, 2018 9:50 am
I just bought $125.00 worth stamps at a collectors show. I paid between 30% and 45% off face value. I love old space themed stamps!
You got a 40% discount for usable USPS stamps? If so that seems like it could be a mini-business.
by hicabob
Thu Oct 18, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 234
Views: 18786

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I had a CD with them already and opened a savings account, but I don’t recall seeing any 3-5 business days message or anything about credit check. As far as I can tell the account opened immediately. I’m concerned I might have done it wrong? Same here and I have my credit freezes all intact.I belie...
by hicabob
Wed Oct 17, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Maserati Experiences
Replies: 47
Views: 5270

Re: Maserati Experiences

My neighbor leases a GranTurismo. An absolutely beautiful looking and sounding car. He recommends a lease and not a purchase for those so inclined.
by hicabob
Sat Oct 13, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbor discussing finances with me
Replies: 64
Views: 5917

Re: Neighbor discussing finances with me

Bond funds have been returning about zero recently so perhaps that's the definition of zero risk?
by hicabob
Sat Oct 06, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Faucet filter to remove Chloramine?
Replies: 22
Views: 1341

Re: Faucet filter to remove Chloramine?

I don't know about "powerful" but you need a filter with activated charcoal, aka activated carbon to remove chloramines.
by hicabob
Wed Oct 03, 2018 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Tesla Class Action Lawsuit..... Should I Join ?
Replies: 18
Views: 2365

Re: Tesla Class Action Lawsuit..... Should I Join ?

In my early days on investing when I was more naive I participated in one once against a semi company that was clearly fraudulent in what they told investors. In fact the CFO personally told me lies when I talked to him on the phone. I was one of the three named plaintiffs. Problem with that was if ...
by hicabob
Thu Sep 27, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: cell phone plans--google fi?
Replies: 22
Views: 1933

Re: cell phone plans--google fi?

I saw this "free sprint for a year" ($12.99 up front) if you bring your own unlocked phone.
My local costco has a nice unlocked moto on sale so I'm considering trying it.
https://www.whistleout.com/CellPhones/C ... -Promotion
by hicabob
Wed Sep 26, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA prices out
Replies: 47
Views: 4806

Re: 2019 ACA prices out

I was chatting to a quite high income friend this AM and he mentioned his wife just turned 65 and signed up for medicare. Her payment will be $700/month so perhaps my current $700 , soon to be $800 is not too bad.
by hicabob
Tue Sep 25, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: When do you need a hearing aid
Replies: 47
Views: 2787

Re: When do you need a hearing aid

Indeed high frequency loss happens as we get older. Online hearing tests are sort of interesting - here's a quickie that gives an approximation as to frequency you can still hear depending on how good your sound card is and other factors. I haven't heard that hearing aids slow down loss though. Sou...
by hicabob
Tue Sep 25, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: When do you need a hearing aid
Replies: 47
Views: 2787

Re: When do you need a hearing aid

Indeed high frequency loss happens as we get older. Online hearing tests are sort of interesting - here's a quickie that gives an approximation as to frequency you can still hear depending on how good your sound card is and other factors. I haven't heard that hearing aids slow down loss though. Soun...
by hicabob
Tue Sep 25, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA prices out
Replies: 47
Views: 4806

Re: 2019 ACA prices out

A plan that pays $200/day for a hospital room isn't a short-term plan, it's a limited-benefit plan. There are short-term plans that work exactly like regular health insurance plans. For 2019, some companies will be offering 364-day short-term plans. Not sure what you mean by "regular health insuran...
by hicabob
Mon Sep 24, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA prices out
Replies: 47
Views: 4806

Re: 2019 ACA prices out

Just got my notice from Kaiser. Unsubsidized bronze for myself, a 62yo male, will be $791/month up from $700/mo this year. Not as bad an increase as I was expecting. Interesting that a measly 12% increase elicits gratitude! I wonder why the prices keep going up? Supposedly the new cheaper "short te...
by hicabob
Mon Sep 24, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA prices out
Replies: 47
Views: 4806

2019 ACA prices out

Just got my notice from Kaiser. Unsubsidized bronze for myself, a 62yo male, will be $791/month up from $700/mo this year. Not as bad an increase as I was expecting. Interesting that a measly 12% increase elicits gratitude!
by hicabob
Mon Sep 24, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Where are the hybrid or fully electric two seater commuting vehicles?
Replies: 44
Views: 1926

Re: Where are the hybrid or fully electric two seater commuting vehicles?

Every now and then I look to see if someone is making an electric motor scooter, a Vespa or similar, that would be street legal and could keep up with traffic, but all I can find are Limes and Birds and such like. I don't know if the problem is my searching skills or if there's just no one making t...
by hicabob
Wed Sep 19, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25231

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: 789

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: 372

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: 372

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: 13177

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: 3908

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: 5750

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: 2136

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: 3413

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: 2401

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: 3001

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: 6770

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: 2077

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: 2077

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: 7197

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: 2699

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: 2537

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: 7636

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: 2537

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: 3113

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: 5975

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: 2940

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: 5150

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: 14258

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: 1087

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: 747

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: 7421

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: 7421

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: 2352

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: 35505

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: 1032

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: 3186

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: 3940

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: 894

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: 5130

Re: My mind exploded

I did much worse at that age. Perhaps it's time to stop looking at her account?