Search found 2654 matches

by hicabob
Mon Dec 17, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: Friend looking at land to build, but will probably have naturally occurring asbestos
Replies: 29
Views: 1899

Re: Friend looking at land to build, but will probably have naturally occurring asbestos

I used to have a house on the peninsula in the bay area, Redwood City hills specifically. When they were putting in sewers and digging there was a warning to avoid the dust due to the serpentine rock which is kind of pretty green rock but contains asbestos. Other than the sewer digging no-one seeme...
by hicabob
Sun Dec 16, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: Friend looking at land to build, but will probably have naturally occurring asbestos
Replies: 29
Views: 1899

Re: Friend looking at land to build, but will probably have naturally occurring asbestos

I used to have a house on the peninsula in the bay area, Redwood City hills specifically. When they were putting in sewers and digging there was a warning to avoid the dust due to the serpentine rock which is kind of pretty green rock but contains asbestos. Other than the sewer digging no-one seemed...
by hicabob
Sat Dec 15, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Potential New Home - Planes and Trains Noise
Replies: 35
Views: 2527

Re: Potential New Home - Planes and Trains Noise

One thing to be aware of with respect to plane noise is the Nextgen program the FAA is implementing. Under nextgen planes landing/departing follow the same exact gps path one after another instead of being spread out as they were previously which can be very annoying to those affected. flightradar.c...
by hicabob
Thu Nov 29, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 8733

Re: How did YOU choose your career?

I was a not so enthusiastic chemistry major then took an intro to computer science course. I loved it, was very good at it, and the timing was excellent.
by hicabob
Wed Nov 21, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Floodlight with motion sensor
Replies: 17
Views: 1103

Re: Floodlight with motion sensor

My motion sense floodlight which is 2 stories above the ground which it covers works fine from that height. Remember that the body height of someone will be a few feet less than the ground height. Thanks. What brand ? Also, can floodlight security motion sensors be tested in the daylight (does one ...
by hicabob
Tue Nov 20, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: How long does an ACH transfer to checking usually take?
Replies: 21
Views: 673

Re: How long does an ACH transfer to checking usually take?

For a datapoint, my Cap1-360MM to Wells Fargo checking ACH took 2 days a few days ago. Not bad - I always figure 3 days to be safe.
by hicabob
Tue Nov 13, 2018 12:15 am
Forum: Personal Consumer Issues
Topic: Any space heaters that automatically maintain a temperature in a room!
Replies: 37
Views: 3239

Re: Any space heaters that automatically maintain a temperature in a room!

Some space heaters have thermostats. Check out your local electric pricing first though. Heating with electricity can cost many times more than heating with natural gas (if available). Electricity costs about 10 times more per btu than nat gas in California.
by hicabob
Sun Nov 11, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Looking for computer suggestions
Replies: 17
Views: 1408

Re: Looking for computer suggestions

A nice chromebook with Crostini (linux)?
by hicabob
Thu Nov 08, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 4037

Re: aerobic exercise: rower vs. treadmill and elliptical

Try before you buy if possible (free trial at local gym?) . Some people like rowers, some not so much.
by hicabob
Tue Nov 06, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for 87yo widowed Mom.
Replies: 13
Views: 1026

Re: Portfolio for 87yo widowed Mom.

Whoops - sis forgot to include income taxes, which my Dad prepaid for this year. $17,000 total for the year. I will update the original post - this puts her slightly in the red but we were liberal with spending and there is plenty in IRA+taxable for taxes. Good idea about emergency fund to Vanguard ...
by hicabob
Tue Nov 06, 2018 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for 87yo widowed Mom.
Replies: 13
Views: 1026

Portfolio for 87yo widowed Mom.

My Dad recently passed and my siblings and my Mom have some questions about portfolio allocation. She and my sister were talking to a Vanguard rep and the rep was horrified at her equity percentage! My Dad always treated pensions and SS as bonds so he liked heavy equity allocations. Mom is 87 and in...
by hicabob
Tue Nov 06, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 15074

Re: How much money are you leaving your kids after you die?

I'm starting to believe in the old saying ... “It is better to give with a warm hand than a cold one.” meaning it's better to give when you are alive and can see the benefit of your gift rather than waiting until you are dead.
by hicabob
Fri Nov 02, 2018 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?
Replies: 180
Views: 11192

Re: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?

LOL. You've obviously never been to Kansas City. You have MORE of all those things, but how much better is 24,000 restaurants over 5,000 restaurants? Large metropolis's have their own problems, but KC in no way compares to the quality of restaurants, or entertainment in general, to SF, DC, NY, etc....
by hicabob
Fri Nov 02, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: HealthCare 2019 - No ACA Subsidy
Replies: 55
Views: 4047

Re: HealthCare 2019 - No ACA Subsidy

There are non-ACA compliant plans that can be sold to individuals in 2019 via Associations. You can also buy "short-term" plans and string them together for all of 2019 for your needs. You don't need to string them together anymore, there are 364-day options in most states now. Some states like Nev...
by hicabob
Wed Oct 31, 2018 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Replacement for BND
Replies: 6
Views: 683

Re: Replacement for BND

How about BSV (short term bond) or VMMXX (Vanguards very good money market fund)?
by hicabob
Sun Oct 28, 2018 5:00 pm
Forum: Investing - Theory, News & General
Topic: Barron's Making the Case for Gold
Replies: 153
Views: 12533

Re: Barron's Making the Case for Gold

Problem 1: Who cares about the Dow? It's not a good proxy of US stocks as a whole. Dow actually has a pretty good correlation to the S+p 500 - dow gets bashed all the time but it was one of my first indexes when I saw the light so I get a little defensive :happy https://finance.yahoo.com/chart/%5EG...
by hicabob
Sun Oct 28, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: When to get a new toilet?
Replies: 52
Views: 3909

Re: When to get a new toilet?

I think the water makes a huge difference. Hard water crusts up the valve and flapper, sediment from old pipes can clog things, etc.
The few moving parts are easy to replace so a toilet should last a lifetime if desired.
by hicabob
Mon Oct 22, 2018 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 7756

Re: For those who paid off house - how did you do it?

I used my first stock option grant to pay off the first then the next were cash buys.
Stock options in tech companies often flame out but sometimes they hit nicely.
by hicabob
Thu Oct 18, 2018 5:42 pm
Forum: Investing - Theory, News & General
Topic: Forever Stamps as an Investment?
Replies: 32
Views: 3758

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: 493
Views: 49640

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: 5547

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: 6127

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: 1423

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: 2455

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: 2007

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: 4958

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: 50
Views: 3476

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: 50
Views: 3476

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: 4958

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: 4958

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: 4958

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: 1977

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: 25806

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: 811

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: 381

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: 381

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: 125
Views: 14997

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: 4028

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: 6063

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: 2180

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: 3464

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: 2467

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: 3089

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: 6844

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: 2129

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: 2129

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: 7394

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: 2761

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: 2626

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.