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Re: Opinions on living in Jacksonville FL?

I've heard Jacksonville is just South Georgia...
by barnaclebob
Mon Mar 02, 2015 11:05 am
 
Forum: Personal Consumer Issues
Topic: Opinions on living in Jacksonville FL?
Replies: 7
Views: 721

Re: No heat

A furnace motor is likely pretty easy to replace DIY. Do some Googling. I'm betting the only tools you'll need are screwdrivers and wrenches.
by barnaclebob
Mon Mar 02, 2015 10:11 am
 
Forum: Personal Consumer Issues
Topic: No heat
Replies: 20
Views: 1079

Re: Foodsaver use

We use an attachment for ours along with Ball widemouth jars to prepare soup for freezing. We make large pots of veggie and bean soup and freeze 15 or so jars each time. We also make large pans of lasagna and vacuum seal meals. This works great for a quick diner, throw the frozen pouch in boiling w...
by barnaclebob
Sun Mar 01, 2015 9:29 pm
 
Forum: Personal Consumer Issues
Topic: Foodsaver use
Replies: 27
Views: 1474

Re: Long-term gain (or loss) held less than a year?

Did your partner hold the same fund within 30 days prior to 1/10/2013. If so wash sale rules might be something to look into but they may not apply. No, it was her first purchase with Vanguard. Then it sounds like everything should be classified as a short term loss. However like I said before, thi...
by barnaclebob
Fri Feb 27, 2015 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long-term gain (or loss) held less than a year?
Replies: 17
Views: 864

Re: Long-term gain (or loss) held less than a year?

When were the shares purchased, and when were they sold, its not clear from your post how long the shares were held. It sounds like they were only held for one day but I want to confirm. They were purchased 01/10/2013 and sold 01/06/2014, so just under a year. Did your partner hold the same fund wi...
by barnaclebob
Fri Feb 27, 2015 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long-term gain (or loss) held less than a year?
Replies: 17
Views: 864

Re: Long-term gain (or loss) held less than a year?

When were the shares purchased, and when were they sold, its not clear from your post how long the shares were held. It sounds like they were only held for one day but I want to confirm. I'm not sure whether there is any real difference between short term and long term losses since they both get ded...
by barnaclebob
Fri Feb 27, 2015 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long-term gain (or loss) held less than a year?
Replies: 17
Views: 864

Re: 2005 Nissan Altima - car issues [kicks back]

try posting your problem on the nicoclub forums. Can you describe what you mean by "kicks back" Have you checked the suspension bearings and shock absorbers? Does the ride feel bouncy?
by barnaclebob
Fri Feb 27, 2015 12:32 pm
 
Forum: Personal Consumer Issues
Topic: 2005 Nissan Altima - car issues [kicks back]
Replies: 20
Views: 1442

Re: Father / Son Deep Sea Fishing Trip

I was a charter captain and I disagree with this one. Few things are worse feeling than severe seasickness (I know). Whenever I had a passenger that was seasick and wanted to go into smooth water we turned around and went back. Best wishes. Taylor Not getting a chance to catch fish is definitely wo...
by barnaclebob
Fri Feb 27, 2015 10:49 am
 
Forum: Personal Consumer Issues
Topic: Father / Son Deep Sea Fishing Trip
Replies: 21
Views: 1279

Re: Car Accident in Front Yard

OP says he doesn't mind the ruts and they don't look too bad. Pick up the plastic and move on, life happens. Having someone to come out and fix the issue has the possibility of making the current problem worse or creating a new one.
by barnaclebob
Fri Feb 27, 2015 9:59 am
 
Forum: Personal Consumer Issues
Topic: Car Accident in Front Yard
Replies: 30
Views: 2281

Re: Father / Son Deep Sea Fishing Trip

Have you both been offshore fishing previously? You would not believe how many charters go out but turn back after a couple of hours because someone that is unexperienced has gotten seasick. Go with a captain that wont turn around for a seasick passenger...at least not until they are in danger of d...
by barnaclebob
Fri Feb 27, 2015 9:54 am
 
Forum: Personal Consumer Issues
Topic: Father / Son Deep Sea Fishing Trip
Replies: 21
Views: 1279

Re: Subaru and Consumer Reports ratings

Lived in serious snow country in the western mountains at 6000+ feet, owned two Subarus. One needed a new engine at 14,000 ( bad piston rings, but covered by warrantee) plus the same vehicle had the infamous CV joints replaced twice, not covered by warrantee. The other Subaru had parts falling off....
by barnaclebob
Thu Feb 26, 2015 6:10 pm
 
Forum: Personal Consumer Issues
Topic: Subaru and Consumer Reports ratings
Replies: 87
Views: 6578

Re: Need outside advice on new truck

I have spoken with different dealerships and they all say once my truck hits 100k miles the value will drop a good bit for my trade in. Very easy to verify whether this is true or not. Search for used Tundra's (or any car in general) and see if there is a significant drop from 90k to 110k miles. I ...
by barnaclebob
Thu Feb 26, 2015 4:56 pm
 
Forum: Personal Consumer Issues
Topic: Need outside advice on new truck
Replies: 23
Views: 1111

Re: IRS Called and Asked for Personal Information

I think Bogleheads is now discouraging threads about common scams such as this. Perhaps one of the mods will weigh in on this... I'm normally the first one to roll my eyes at posts like this but it is tax season and it wasn't a "watch out for emails from the UK department of reimbursement"...
by barnaclebob
Thu Feb 26, 2015 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Called and Asked for Personal Information
Replies: 16
Views: 1642

Re: How does one increase their typing speed and accuracy?

We had to learn with a folder over our fingers, man that was annoying. We used a program called typing tutor that started out having you type nonsense words with the home row and eventually adding all the key's as you get better. It tracks your progress too.
by barnaclebob
Thu Feb 26, 2015 3:46 pm
 
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 58
Views: 2234

Re: IRS Called and Asked for Personal Information

I'd wait for something in writing or a visit in person. Good catch. You can probably try to use google to find out how the IRS will contact you when they need something.
by barnaclebob
Thu Feb 26, 2015 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Called and Asked for Personal Information
Replies: 16
Views: 1642

Re: Convincing older relative to open online savings account

I know $2000 isn't a lot, but I feel bad because it's like leaving free money on the table. The money isn't exactly free though. It has the cost of change and uncertainty for your relative. To you the cost is negligible but to them it may not be. It sounds like they just want you to make sure the b...
by barnaclebob
Thu Feb 26, 2015 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Convincing older relative to open online savings account
Replies: 34
Views: 1452

Re: "The world's largest non-commercial financial forum".

jebmke wrote:Where else can you get good advice on kitchen knives, $5,000 watches and what to do with a $5 million windfall?


Don't forget about Subarus, cast iron skillets, and costco.
by barnaclebob
Thu Feb 26, 2015 12:05 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: "The world's largest non-commercial financial forum".
Replies: 29
Views: 2165

Re: Father / Son Deep Sea Fishing Trip

What about salmon or halibut fishing in the northwest or alaska?
by barnaclebob
Thu Feb 26, 2015 11:21 am
 
Forum: Personal Consumer Issues
Topic: Father / Son Deep Sea Fishing Trip
Replies: 21
Views: 1279

Re: Managing a Small Inheritance

How is your 401k invested? If by "savings" you mean a taxable investment account and if you have chosen a proper asset allocation you'll just need to adjust the holdings to account for the new taxable account. Have you considered a Roth IRA?
by barnaclebob
Thu Feb 26, 2015 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Managing a Small Inheritance
Replies: 5
Views: 517

Re: Raise was only 2.44%?

Organize?
by barnaclebob
Thu Feb 26, 2015 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Raise was only 2.44%?
Replies: 49
Views: 4535

Re: Tax Quiz

leonidas wrote:I got 9/10. I missed the IRS question about filing.


Me too. I didn't infer that not filing by 4/15 was different than not filling at all
by barnaclebob
Wed Feb 25, 2015 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Quiz
Replies: 22
Views: 1304

Re: Inheritance/New Investor Guidance

When you say IRA's do you mean backdoor roth's? Have you researched that yet? A roth is better than a non deductible traditional IRA contribution so there is really no reason to not do it assuming you don't have other IRA's laying around. I'd have paid of the debt too vs refinancing and hoping the m...
by barnaclebob
Wed Feb 25, 2015 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inheritance/New Investor Guidance
Replies: 13
Views: 929

Re: Chinese Drywall (Remediated) - Financing the purchase

All other things being equal I'd rather buy a house with a good quality remediation certification/report or whatever and know what was done to fix it than buy a house with unknown drywall/asbestos/mold, whatever.
by barnaclebob
Wed Feb 25, 2015 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chinese Drywall (Remediated) - Financing the purchase
Replies: 12
Views: 1139

Re: Subaru and Consumer Reports ratings

Is there any way to look up what consumer reports rated cars in the past when they were new? For example a 2001 4runner?
by barnaclebob
Wed Feb 25, 2015 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Subaru and Consumer Reports ratings
Replies: 87
Views: 6578

Re: Is it actually impossible to time market crashes?

I understand that market timing is effectively impossible in terms of trying to predict lows / highs to make quick short-term gains. However, does this also apply to systemic risks? Things that would affect the entire economy / stock market to the point where it's not so much trying to predict the ...
by barnaclebob
Wed Feb 25, 2015 10:45 am
 
Forum: Investing - Theory, News & General
Topic: Is it actually impossible to time market crashes?
Replies: 56
Views: 2980

Re: Inheritance/New Investor Guidance

Questions: 1. I would like to fund our 2014 IRAs, and HSA ASAP. I've been holding off until I can figure out allocations for "getting in" to the market. If I am aiming to have the full $500,000k in my portfolio invested by the end of 2015, how do I even start to get my allocations correct...
by barnaclebob
Wed Feb 25, 2015 10:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Inheritance/New Investor Guidance
Replies: 13
Views: 929

Re: Inheritance/New Investor Guidance

You got here just in time then. 1% is a lot of money to spend on investment advice, especially for someone who will soon have a very large balance it sounds like. Your "friend" isn't telling you about the high expense ratio funds he was going to place you in and he cannot waive those fees....
by barnaclebob
Wed Feb 25, 2015 10:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Inheritance/New Investor Guidance
Replies: 13
Views: 929

Re: [Newbie] Can I open a new Vanguard Roth IRA with VTSAX f

If it wont let you invest directly in the admiral shares, just buy the investor shares and convert them when your balance is over 10k.
by barnaclebob
Tue Feb 24, 2015 5:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Newbie] Can I open a new Vanguard Roth IRA with VTSAX fund?
Replies: 5
Views: 314

Re: Thoughts on investing in Uber

For the folks that are saying Uber is over valued... Isnt the general BH philosophy to accept the market returns, and valuations? So while Uber is not a public traded company, if based on investments its valued at $x, shouldn't we agree with it? BH philosophy doesn't necessarily mean agreeing with ...
by barnaclebob
Tue Feb 24, 2015 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on investing in Uber
Replies: 18
Views: 1416

Re: Should I shut off water in a vacant home in winter?

If the choice is shutting off water and heat or having both on, I think I'd leave them both on. Have you asked the owners what they want or presented them with some of the monitoring options in this thread?
by barnaclebob
Tue Feb 24, 2015 3:12 pm
 
Forum: Personal Consumer Issues
Topic: Should I shut off water in a vacant home in winter?
Replies: 15
Views: 1370

Re: 401k Max-out Strategy

Are you allowed to do after tax in service withdrawals? If so then the mega backdoor roth ira rollover might be right for you.
by barnaclebob
Tue Feb 24, 2015 2:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Max-out Strategy
Replies: 16
Views: 1824

Re: Thoughts on investing in Uber

40 billion is a huge valuation and, as Bogleheads, we invest wisely. However, Uber is such an intriging company. At the 40 billion valuation, who would invest in Uber at this time and why or why not? Uber is not yet public, but is currently raising more money and I'm considering an investment. Than...
by barnaclebob
Mon Feb 23, 2015 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on investing in Uber
Replies: 18
Views: 1416

Re: Cross Country Ski Gear Tips/Destinations

If you are wanting to try backcountry, go to a resort and try Tele first. better to get the feel for the turn with hard boots and strong edges... fyi it is much harder on the quads, than typical cross country Tele isn't needed for BC skiing. AT bindings are the binding of choice for anyone who isn'...
by barnaclebob
Mon Feb 23, 2015 1:03 pm
 
Forum: Personal Consumer Issues
Topic: Cross Country Ski Gear Tips/Destinations
Replies: 31
Views: 1042

Re: Cross Country Ski Gear Tips/Destinations

Winthrop and Mazama Washington are apparently very good cross country ski areas. You can also go out for a day or two with North Cascades Mountain Guides for some backcountry experience. However this year the snowpack is pretty lean so check that first.
by barnaclebob
Mon Feb 23, 2015 11:59 am
 
Forum: Personal Consumer Issues
Topic: Cross Country Ski Gear Tips/Destinations
Replies: 31
Views: 1042

Re: I need a recommendation for a pressure washer.

Having used an electric pressure washer and a honda 2600PSI gas pressure washer, I would never buy an electric for anything but small jobs.
by barnaclebob
Fri Feb 13, 2015 3:18 pm
 
Forum: Personal Consumer Issues
Topic: I need a recommendation for a pressure washer.
Replies: 26
Views: 1381

Re: Rooting for stock to go down to sell?

If the following assumptions are true: All stocks will generally go up on average You intend to hold what you want to buy until retirement Your tax bracket will be lower in retirement You are relatively far from retirement You have no other tax situations that could cause your tax bracket to go down...
by barnaclebob
Fri Feb 13, 2015 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Rooting for stock to go down to sell?
Replies: 22
Views: 1684

Re: Day trading and capital gain tax nightmare

okay then, stock1 at 100k, win 5% = 105k stock2, lose 5% = 99.75k stock3. win 5% = 104.73k net income 4.73k. I'll be paying 25% of 4.73k as my tax? The fact that you are day trading without knowing the rules is a huge red flag to your ability to generate excess returns. Assuming this is your only c...
by barnaclebob
Thu Feb 12, 2015 12:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Day trading and capital gain tax nightmare
Replies: 37
Views: 2956

Re: Where is John C. Bogle's Presidential Medal of Freedom?

LeeMKE wrote:(Solar Roadways -- google it).


Please don't. Solar roadways are a terrible idea...
by barnaclebob
Wed Feb 11, 2015 12:46 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 165
Views: 9222

Re: am I mess?

Reddit sends a lot of people this way too, there are beacons of hope for millennials.
by barnaclebob
Tue Feb 10, 2015 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I a mess?
Replies: 31
Views: 3803

Re: Budget for family of 4

At first glance using the low end of your husbands earnings you have about 16k leftover at the end of the year. This is a pretty good start for retirement savings. Do you both need to go back to school? Have you calculated how much you would expect to make after school compared to now to see how fas...
by barnaclebob
Mon Feb 09, 2015 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Budget for family of 4
Replies: 24
Views: 2974

Re: Car issues. Would like some Boglehead insight please.

Nothing is more expensive than a cheap luxury car. I would fill it with oil, and trade it in while it's still running. This is what I would do. Also do future you a favor and don't waste money on luxury cars if you can't pay for them with cash. Do you really need a NAV system for directions or do y...
by barnaclebob
Mon Feb 09, 2015 11:22 am
 
Forum: Personal Consumer Issues
Topic: Car issues. [2009 Cadillac CTS - fix or sell]
Replies: 56
Views: 3512

Re: How to make this fair: gifting to kids with different me

Seeming as you know enough about your kids finances you may want to just ask what they would prefer. Kid A is probably smart enough to know that its better to inherit the money to get a step up in basis.
by barnaclebob
Fri Feb 06, 2015 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to make this fair: gifting to kids with different means
Replies: 108
Views: 8894

Re: Worthless stock help

So if this transaction happened in 2014 then you deduct the loss in 2014. There are no tax "credits" for capital losses, you can deduct capital losses against capital gains plus to $3000 in losses from your taxable income
by barnaclebob
Thu Feb 05, 2015 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Worthless stock help
Replies: 15
Views: 1034

Re: Worthless stock help

What exactly do you mean by "got it off my brokerage account" did the brokerage buy it from you for the trade fee or did it meet the IRS definitions of a worthless security or did you just sell it outright?
by barnaclebob
Thu Feb 05, 2015 5:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Worthless stock help
Replies: 15
Views: 1034

Re: garbage disposal installation

If you can't replace a garbage disposal yourself*, you shouldn't own a house. *assuming you are able bodied Not necessarily, if you can hire someone, why not ? Basic economics is that, even if the surgeon can type faster than his / her secretary, surgeon should not do the secretary job. He / she sh...
by barnaclebob
Wed Feb 04, 2015 3:39 pm
 
Forum: Personal Consumer Issues
Topic: garbage disposal installation
Replies: 33
Views: 1292

Re: garbage disposal installation

If you can't replace a garbage disposal yourself*, you shouldn't own a house. *assuming you are able bodied
by barnaclebob
Wed Feb 04, 2015 12:09 pm
 
Forum: Personal Consumer Issues
Topic: garbage disposal installation
Replies: 33
Views: 1292

Re: Vanguard Frequent trading policy

I had a similar issue to the OP where I sell from a bond fund in taxable to do my backdoor Roth then want to start replenishing the bond fund for next years roth but I have to wait 60 days to do that. I think vanguard could allow for one Sell/Buy combo before locking you out for 60 days and it would...
by barnaclebob
Tue Feb 03, 2015 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Frequent trading policy
Replies: 55
Views: 3534

Re: Tax implications of selling a condo furnished

How much have the appreciated items appreciated approximately? Unless you have something that could be on antiques roadshow I wouldn't really worry about having gains. Are you pricing the pieces individually or as a lot?
by barnaclebob
Mon Feb 02, 2015 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax implications of selling a condo furnished
Replies: 11
Views: 1065

Re: Tomahawk Steak

People love to say things like "the bone is for flavor" and "sear it to seal in the juices", or "frozen fish is inferior" and other anecdotes that don't always have basis in science or testing. In this case unless you cook this steak for a very long time and thereby rui...
by barnaclebob
Mon Feb 02, 2015 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Tomahawk Steak
Replies: 29
Views: 3411

Re: Met a Vanguard basher TransAmerica Insurance pusher

Its a really good strategy to make the mark second guess themselves about the available options. Most people wouldn't be so confident they were only paying .18% in expenses and when told that couldn't possibly be true they may assume that they have missed something or had been tricked by their curre...
by barnaclebob
Mon Feb 02, 2015 10:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Met a Vanguard basher TransAmerica Insurance pusher
Replies: 41
Views: 4656
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