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Re: Help with Math Problem

The first responder is correct aside from the .07 instead of .7
by barnaclebob
Thu Jul 24, 2014 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with Math Problem
Replies: 7
Views: 307

Re: Gardening question

You could look into a drip irrigation system. All of the potting soil I have ever used has been very hydrophillic.
by barnaclebob
Thu Jul 24, 2014 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Gardening question
Replies: 4
Views: 228

Re: The ultimate Boglehead exercise

How about rock climbing, takes a lot of discipline to keep the right form by not overgripping, lunging for holds that look good, etc. Its good to go up but after awhile you don't care if you fall because you know the system works.
by barnaclebob
Wed Jul 23, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: The ultimate Boglehead exercise
Replies: 30
Views: 3515

Re: Intimidated by Trustee and Investment Advisor

Did you sign the papers you mention in the beginning of your post about disbursing the money into mutual funds? I assume yes. If he put you into American funds you were likely charged a ~5% load that your father did not pay, that came out of your share. If your father already owned the American fund...
by barnaclebob
Mon Jul 21, 2014 6:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intimidated by Trustee and Investment Advisor
Replies: 30
Views: 3268

401k fees listed incorrectly

Just got back from vacation and saw and email in my company email account stating that there was an administrative error and that the ER listed for one of the funds was lower than what was actually charged in a recent past year i.e. They said the ER was .30% but charged .46% Luckily it was for an ac...
by barnaclebob
Mon Jul 21, 2014 10:41 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k fees listed incorrectly
Replies: 1
Views: 214

Re: New Investor with Class A fund blues

However, I must ask the following question: If Class A shares are so awful, why do so many people invest in them? Are they just simply unaware of the cost ramifications? American Funds have billions in assets, surely there's some logic to the madness, right? I'm not being snarky, I really want to k...
by barnaclebob
Tue Jul 15, 2014 10:47 am
 
Forum: Investing - Help with Personal Investments
Topic: New Investor with Class A fund blues
Replies: 31
Views: 2036

Re: POLL: Walmart vs Amazon

I bought a can opener from Wal-Mart that broke after a year. I barely used it and I am not the Hulk or anything remotely near. That sounds more like the manufacturer's problem. Wal Mart sells all kind of brands from low to higher end. Walmart stocks the cheap items they know will break. They can fo...
by barnaclebob
Mon Jul 14, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 7996

Re: POLL: Walmart vs Amazon

I avoid Walmart like the plague, too much cheap junk in their stores.
by barnaclebob
Mon Jul 14, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 7996

Re: opening IRA, have exitsing roth

If you have an IRA then it can make doing backdoor roth conversions more difficult
by barnaclebob
Thu Jul 03, 2014 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: opening IRA, have exitsing roth
Replies: 9
Views: 617

Re: Hitting "The Number" too early

Nobody really has a static number. Its really a downward trending curve thats based on how much money you'll have to spend before you die. The longer you live, the more expenses you'll get out of the way and the less time you have to live. When the down trending curve and your assets cross then you ...
by barnaclebob
Thu Jul 03, 2014 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Hitting "The Number" too early
Replies: 49
Views: 5369

Re: Roth and House Down-payment advice needed for 23yo

Don't bother with any of the actively managed funds or the lifecycle funds if you can adjust your desired allocation every 5 or so years. If you look at the details of the particular funds (US large company fund for example) they divide the money amongst 4 or 5 different investment firms to actively...
by barnaclebob
Wed Jul 02, 2014 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth and House Down-payment advice needed for 23yo
Replies: 14
Views: 1085

Re: Trick question for new investors.

What matters is what happens after this "awhile"
by barnaclebob
Tue Jul 01, 2014 5:20 pm
 
Forum: Investing - Theory, News & General
Topic: Trick question for new investors.
Replies: 25
Views: 2068

Re: Best way to start building wealth as a teenager

Well first off, are you going to college and are your parents paying for it? Not accumulating student loans is a good way to start building wealth. This might mean investing the money conservatively to use for college expenses.
by barnaclebob
Tue Jul 01, 2014 9:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Best way to start building wealth as a teenager
Replies: 28
Views: 2316

Re: What octane gas do you use to fill your car?

I've said it before, but I find it hilarious when people who buy $40,000 cars fret over having to use premium gas. It's like a $100-$300 difference per year, depending on how much you drive. People playing semantics with language in owners manuals, like they are going to "beat the system"...
by barnaclebob
Mon Jun 30, 2014 1:09 pm
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 76
Views: 5321

Re: NY Times: Not enough younger investment advisors

I highly doubt that there is anyone that wants to be served by a financial adviser that cannot find one to take their money.

I think they meant that there are people who haven't heard the sales pitch that might bite and with more salesmen we might get more business.
by barnaclebob
Fri Jun 27, 2014 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: NY Times: Not enough younger investment advisors
Replies: 72
Views: 7269

Re: When to get an appraisal to remove PMI

I think when I was looking to refinance they said if you get PMI you can't remove it before 2 years or something like that. Maybe your contract is different.
by barnaclebob
Fri Jun 27, 2014 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: When to get an appraisal to remove PMI
Replies: 16
Views: 1368

Re: Food Dehydrator: looking for advice

My dehydrator is rated for 600 watts but the heating element isn't on all the time. .6kw*24hours*.08$/KwHr= a max of $1.15 in electricity but its likely to be less than that.

We use a 9 tray Excalibur but have only used it for making yogurt, seems to work well.
by barnaclebob
Fri Jun 27, 2014 9:30 am
 
Forum: Personal Consumer Issues
Topic: Food Dehydrator: looking for advice
Replies: 6
Views: 461

Re: Do I need an Advisor?

Those expenses are too high, you could pay vanguard to manage your portfolio but after a few years you would see how simple it is and wonder why you are paying them anything. Moving your assets isn't against the "diversify and hold" You would still be diversifying and holding, but it would...
by barnaclebob
Thu Jun 26, 2014 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I need an Advisor?
Replies: 15
Views: 891

Re: Contractor Messed up

I finally lived long enough to see my original kitchen color come back in style. So in case your wife is younger than me (most people are), I'll tell you how long it takes: 50 years. Yes, I still have my original kitchen table and chairs from that era. And they still look darn good and now the colo...
by barnaclebob
Thu Jun 26, 2014 5:40 pm
 
Forum: Personal Consumer Issues
Topic: Contractor Messed up
Replies: 45
Views: 2954

Re: How do you afford to travel?

80% of my issue is flying. even though I do it a few times a year, it still scares me. If I were to book a 10hr flight, I would be worrying about it for 8 weeks up until the flight, and there is not enough whiskey in Tennessee to calm me down during. So adding the $ amount to travel, with my 'fear'...
by barnaclebob
Thu Jun 26, 2014 11:24 am
 
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 68
Views: 6182

Re: How do you afford to travel?

What exactly do you consider the to be a hassel in traveling? Getting through the airport, being in a cramped seat, just being stuck in an aluminum tube for 18 hours of your vacation, carrying luggage around, jet lag? Or is it more about doing something thats not normal and the worrying about screwi...
by barnaclebob
Thu Jun 26, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 68
Views: 6182

Re: My investments are a disaster

Throwing nearly all of your money into relatively safe investments like stable value funds and CD's is far from the worst thing you could have done. You may be invested more conservatively than most people but its far from a disaster. I agree with the one fund approach here using lifestrategy conser...
by barnaclebob
Tue Jun 24, 2014 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: My investments are a disaster
Replies: 55
Views: 6300

Re: old 401k to IRA precludes backdoor Roth contribution??

It doesnt preclude it, it just makes it less beneficial. The way I understand it is if you have 95k in the IRA and you want to do a 5k backdoor roth conversion. If you put the 5k into the ira post tax when you go to convert it to a roth you will have to pay taxes on 95% of your conversion plus the g...
by barnaclebob
Tue Jun 24, 2014 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: old 401k to IRA precludes backdoor Roth contribution??
Replies: 5
Views: 403

Re: How I win at craps

Please close these gambling threads down, this isn't a gambling forum and these systems claim to violate the laws of probability. Its no different than someone coming on here and trying to sell us a perpetual motion machine.
by barnaclebob
Tue Jun 24, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: How I have won at craps
Replies: 20
Views: 2037

Re: Homemade Sauerkraut

I need to find a good weight this year to use in a 8 gallon bucket, anyone have any suggestions?
by barnaclebob
Mon Jun 23, 2014 4:29 pm
 
Forum: Personal Consumer Issues
Topic: Homemade Sauerkraut
Replies: 15
Views: 987

Re: Help devising winning roulette system

The law of large numbers is a cruel mistress.

And you are 100% wrong.

As far as I know the only way to gain an edge on the casino is in blackjack but casinos have ways of detecting you being a card counter so it doesn't always work because they kick you out.
by barnaclebob
Mon Jun 23, 2014 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Help devising winning roulette system
Replies: 72
Views: 3088

Re: Homemade Sauerkraut

I have fermented pickles in a plastic food safe bucket. They turned out great and didnt fill the house with pickle smell although it smelled great when I opened the bucket to skim off the pellicle.

Don't waste your money on an expensive crock, give a bucket a go first.
by barnaclebob
Mon Jun 23, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: Homemade Sauerkraut
Replies: 15
Views: 987

Re: How common are after-tax in service rollovers?

Mine has it. I will be trying the mega backdoor roth conversion this year with a few grand of after tax $.
by barnaclebob
Mon Jun 23, 2014 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: How common are after-tax in service rollovers?
Replies: 17
Views: 1256

Re: Craftsman Shop-Vac replacement filters

Does anyone know where to get an update on that class action lawsuit, I can't find anything online? I'm just curious if it still working its way through the legal system or was dismissed.
by barnaclebob
Thu Jun 19, 2014 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Craftsman Shop-Vac replacement filters
Replies: 13
Views: 608

Re: Avoiding Paypal/Ebay Scam

Don't ship the item until the money is in your bank account and you have then transferred it to an account that paypal cant touch. If you do hook a scammer then at least paypal cant take your money back, they may cancel your account through but big deal.
by barnaclebob
Thu Jun 19, 2014 4:09 pm
 
Forum: Personal Consumer Issues
Topic: Avoiding Paypal/Ebay Scam
Replies: 30
Views: 2051

Re: Courtesy of CNBC - Confessions of a Financial Advisor

So a person that pays 1% in fees would be worse off with losing 20% of gains if their portfolio averages more than 5% increase before fees.
by barnaclebob
Thu Jun 19, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Courtesy of CNBC - Confessions of a Financial Advisor
Replies: 4
Views: 1306

Re: Craftsman Shop-Vac replacement filters

Yep you can just hose it off. I took the filter off the vacuum carefully and put it in a trash bag. Then i tapped it around its rim to knock as much dust off as i could. Then gently hose it off and let it dry. If you have been vacuuming up thinset mortar or anything that sets after it gets wet then ...
by barnaclebob
Thu Jun 19, 2014 2:11 pm
 
Forum: Personal Consumer Issues
Topic: Craftsman Shop-Vac replacement filters
Replies: 13
Views: 608

Re: Craftsman Shop-Vac replacement filters

Have you tried hosing the filter off? I've done it 2 times with mine and it sucks like new again each time. Apparently drywall dust really clogs them fast. Don't blast it too hard or you might damage it. Does anyone know how they claim the HP ratings on these shop vacs? A standard outlet is about 18...
by barnaclebob
Thu Jun 19, 2014 10:50 am
 
Forum: Personal Consumer Issues
Topic: Craftsman Shop-Vac replacement filters
Replies: 13
Views: 608

Re: Need Help Investing 1 mil

What did you tell your current broker where to put your money? Did you tell them that you wanted it kept safe? If so they may have put you heavily into bonds and you may have missed this large run up in stock prices. What I'm saying is that it may not be their fault that you didnt make as much as yo...
by barnaclebob
Thu Jun 19, 2014 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Help Investing 1 mil
Replies: 15
Views: 1960

Re: My Roth is also my emergency fund. How to invest it?

I think it can be ok to use a roth for big emergencies like large medical expenses or job loss but you for sure need to have enough cash on hand for things like car repairs or smallish house repairs if you own, or something like a broken ankle. Keep what portion you consider your emergency fund in s...
by barnaclebob
Thu Jun 19, 2014 10:17 am
 
Forum: Investing - Help with Personal Investments
Topic: My Roth is also my emergency fund. How to invest it?
Replies: 17
Views: 1211

Re: Seattle Restaurants

IMO don't waste your time on steak in Seattle. I've been to the Metropolitan Grill and Daniel's Broiler and while they make a great steak its pretty overpriced. Just ate at sky city in the space needle and once you subtract $20 from the price of the entrees for the view you get what you should be pa...
by barnaclebob
Wed Jun 18, 2014 10:36 am
 
Forum: Personal Consumer Issues
Topic: Seattle Restaurants
Replies: 17
Views: 1027

Re: [can you] shop at Costco [without a membership?]

a member can take a friend to a warehouse club, but the friend can not use their own credit card. this is to cut down on charge backs - "but how can this charge be correct? i don't even belong to costco!" this per clark howard. perhaps you can get around this by using the self checkout. i...
by barnaclebob
Tue Jun 17, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 4773

Re: [can you] shop at Costco [without a membership?]

Last time I was at Costco they wouldn't let my wife swipe her card. My name is on the membership card and they said I had to pay so they might be cracking down on friend visits.

There is nothing wrong with buying a gift card from Ebay or a gift card reseller and using it to get in the store.
by barnaclebob
Tue Jun 17, 2014 10:54 am
 
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 4773

Re: What octane gas do you use to fill your car?

I think at one point the Ford Expedition manual said to use regular gas while the Cadillac Escalade said to use premium. Pretty sure they had the exact same engine at the time... Seems unlikely with them being from different manufacturers (Caddy is a GM product). I didn't catch that. I thought they...
by barnaclebob
Mon Jun 16, 2014 11:30 pm
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 76
Views: 5321

Re: Good places to live in Renton, WA?

I know someone that rents a small house in Columbia city which gives decent access to I 90 and they like it, seems like a good neighborhood. Although I've never seen it in regular traffic except for seafair.
by barnaclebob
Mon Jun 16, 2014 3:52 pm
 
Forum: Personal Consumer Issues
Topic: Good places to live in Renton, WA?
Replies: 21
Views: 675

Re: Good places to live in Renton, WA?

There is no such thing as a reasonable commute in this corridor. One of you needs to find a new job or be ready for your quality of life to suffer, honestly. if that's absolutely not possible then if one of you can work from like 5AM to 1:30 you can reduce your commute. Another alternative is to sti...
by barnaclebob
Mon Jun 16, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: Good places to live in Renton, WA?
Replies: 21
Views: 675

Re: What octane gas do you use to fill your car?

I think at one point the Ford Expedition manual said to use regular gas while the Cadillac Escalade said to use premium. Pretty sure they had the exact same engine at the time...
by barnaclebob
Mon Jun 16, 2014 3:21 pm
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 76
Views: 5321

Re: car repair ordeal

Start out by asking the manager how many different shops the car had to go to and where those shops are located. Then maybe ask him what a reasonable amount of mileage you'd expect to see on the car for this type of repair. Based on his answers you might be able to press him to fill up your tank at ...
by barnaclebob
Sun Jun 15, 2014 11:13 pm
 
Forum: Personal Consumer Issues
Topic: car repair ordeal
Replies: 21
Views: 2673

Re: engineers - please help with engineering school selectio

The absolute best thing you can do as an undergraduate engineer (besides getting a decent gpa) is to join a club actually run by other undergraduates like solar car, formula SAE, AIAA Design Build Test, etc. Go to a school that has options for things like that and you'll have plenty to talk about in...
by barnaclebob
Fri Jun 13, 2014 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 119
Views: 5252

Re: What happened if you had used CAPE to time the market?

To do a proper analysis you should really look at multiple different CAPE values and a much longer timeframe. Additionally you should be considering whether a binary switch or gradual switch is more appropriate. What about the rate of CAPE change and its acceleration? There has to be a system hidde...
by barnaclebob
Tue Jun 10, 2014 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: What happened if you had used CAPE to time the market?
Replies: 20
Views: 1729

Re: To own at least 1 stock of every company in SP500

I assume you mean 1 share of every stock in the SP500 by owning a SP500 index fund

find the max of company share price/(market cap of SP500/market cap of company) for every company.
by barnaclebob
Mon Jun 09, 2014 8:09 pm
 
Forum: Investing - Theory, News & General
Topic: To own at least 1 share of every company in SP500
Replies: 27
Views: 2228

Re: Mistake: extra dirt

I doubt she was asking you to pay for the dirt. If you need to get rid of the extra just put an add out on craigslist for free dirt.
by barnaclebob
Thu Jun 05, 2014 8:35 pm
 
Forum: Personal Consumer Issues
Topic: Mistake: extra dirt
Replies: 24
Views: 2167

Re: How active mangers are responding to index popularity

I bet instead of seeing BS names like "Diversified Income Growth Dividend Builder Freedom Fund of America" we'll see more funds with "Optimized Index" or "Index Performer" And they will be peddled with lines like "we take and index and get rid of the obvious dogs, ...
by barnaclebob
Thu Jun 05, 2014 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: How active mangers are responding to index popularity
Replies: 7
Views: 1094

Re: Jazz workshop, Dordogne, southern France

Are you a paid teacher at this workshop or an attendee?
by barnaclebob
Thu Jun 05, 2014 12:23 pm
 
Forum: Personal Consumer Issues
Topic: Jazz workshop, Dordogne, southern France
Replies: 2
Views: 192

Re: Stick Around for a 20% Gain?

I'd consider to start treating myself now with the salary earned when you could have been retired and then get the benefit of the increased pension.
by barnaclebob
Thu Jun 05, 2014 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Stick Around for a 20% Gain?
Replies: 17
Views: 2950
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