Search found 2591 matches

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: 169
Views: 11122

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: 833

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: 25
Views: 2226

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: 3527

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: 805

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: 4659

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: 3567

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: 3567

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: 1772

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: 2497

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: 7200

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: 2302

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: 1293

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: 7200

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: 1192

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: 1158

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: 688

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: 2393

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: 2931

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: 1116
Views: 87468

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: 1116
Views: 87468

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: 1116
Views: 87468

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: 2235

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: 1593

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: 8458

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: 1627

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: 1627

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: 2319

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: 6621

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: 6209

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: 4432

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: 10693

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: 10693

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: 2146

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: 38965

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: 704

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: 9005

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: 288
Views: 21896

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: 4001

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: 4001

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: 39860

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: 2796

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: 4373

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: 21
Views: 2931

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: 6639
Views: 1435822

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: 6639
Views: 1435822

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: 3016

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: 6857

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: 6857

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: 3543

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, ...