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by barnaclebob
Wed May 27, 2015 1:19 pm
Forum: Personal Consumer Issues
Topic: Saving on large purchases
Replies: 12
Views: 803

Re: Saving on large purchases

fatwallet.com to save a few % on online purchases.
by barnaclebob
Tue May 26, 2015 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Starbucks stock from Computershare to Vanguard?
Replies: 5
Views: 347

Re: Moving Starbucks stock from Computershare to Vanguard?

I would have had to get a medallion signature garauntee and fill out some other paperwork to transfer from computershare to vanguard. Wasn't worth the $30 savings I would have gotten to transfer to vanguard and then sell. Computershare's sales fee was $35 + some other small amount when I sold some.
by barnaclebob
Tue May 26, 2015 10:16 am
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 119
Views: 5921

Re: Once in a life time trip.

8 year old me would probably rather go on a safari than to australia or europe. I'm not sure though at 7 or 8 if you can really appreciate the magnitude of trips like this though.

What do the kids like to do?
by barnaclebob
Mon May 25, 2015 9:58 pm
Forum: Personal Consumer Issues
Topic: Do-it-yourself handy person: How did you learn?
Replies: 33
Views: 3257

Re: Do-it-yourself handy person: How did you learn?

Grew up watching my grandpa make and fix just about everything and he would let me help with things. That gave me the DIY mentality. Any new skill is learned from youtube videos and internet forums. Once you get over the fear of messing things up and know when you have done enough research to not me...
by barnaclebob
Fri May 22, 2015 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Might sell house to a friend. What is fair?
Replies: 30
Views: 2076

Re: Might sell house to a friend. What is fair?

Unless you are truly close friends and not just good acquaintances I will guess that there is a 50% chance you will no longer be friends with these people after the transaction is complete. Those odds are even higher if they about 10% short of being able to afford your house and you don't cut them a...
by barnaclebob
Thu May 21, 2015 8:51 am
Forum: Personal Consumer Issues
Topic: Being an Uber driver
Replies: 15
Views: 2756

Re: Being an Uber driver

I think you should do a lot of research. Uber banks money on the fact that their drivers don't accurately account for the cost of extra maintenance, wear and tear, or even gas. Here is an article where a reporter went "undercover" as an Uber driver for a month and made an hourly wage of $9...
by barnaclebob
Mon May 18, 2015 5:04 pm
Forum: Personal Consumer Issues
Topic: Trip Insurance
Replies: 35
Views: 1556

Re: Trip Insurance

I bought it once, probably never will again. Calculate how much you will actually lose if your trip has to be cancelled last minute. Its probably not as much as you think.
by barnaclebob
Mon May 18, 2015 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: How to deposit a large check long distance?
Replies: 20
Views: 1607

Re: How to deposit a large check long distance?

I've deposited checks by mail before, it just takes a couple days. Make a copy beforehand and send it priority if you are really concerned.
by barnaclebob
Mon May 18, 2015 11:57 am
Forum: Personal Consumer Issues
Topic: Huge Problem With First Home
Replies: 28
Views: 4837

Re: Huge Problem With First Home

Another place to start: call local termite companies, ask if they have any records for your address. Get all records, if available. Do this. I had a coworker who sold a house with a crack in the oil tank or something like that. When the new owners had the oil refilled they used the same company as ...
by barnaclebob
Sat May 16, 2015 10:21 am
Forum: Personal Consumer Issues
Topic: Roof Replacement, upgrade or not?
Replies: 15
Views: 1125

Re: Roof Replacement, upgrade or not?

Today I learned that I have architectural shingles on my house...they are 21 years old and nearing the end of their life. Could that be normal or are they supposed to last 30?
by barnaclebob
Thu May 14, 2015 1:10 pm
Forum: Investing - Theory, News & General
Topic: CNBC Article...Active managers beating the market! (Well, almost)
Replies: 6
Views: 667

Re: CNBC Article...Active managers beating the market! (Well, almost)

Lol, what idiot approved this article. OMG, just under half of active managers are beating the indexes, thats really good right? 47%, thats like a big number or something right? Maybe he thought 47% are outperforming meant that on average they were beating the market by 47%. Another way to spin it: ...
by barnaclebob
Thu May 14, 2015 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Networth question
Replies: 54
Views: 4443

Re: Networth question

The problem with real estate is liquidity. In terms of retirement portfolio I don't include anything I can't convert to food in a reasonable time (one business week?). Would you really drain yourself down to a weeks worth of money before selling your house? Does it take a week to take out a home eq...
by barnaclebob
Tue May 12, 2015 5:25 pm
Forum: Personal Consumer Issues
Topic: Ideas for a Week in Hong Kong?
Replies: 3
Views: 350

Re: Ideas for a Week in Hong Kong?

Don't go to the giant floating restaurant, complete waste of money. We went to the horse races, it was pretty sweet being at the race track in the middle of a huge city. Took about 10 tries before a cab driver would agree to take us there from the water taxi drop off area, probably due to traffic. T...
by barnaclebob
Tue May 12, 2015 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Should we purchase home without permits?
Replies: 70
Views: 4245

Re: Should we purchase home without permits?

Why would you remove these contingencies? Is this a house you really want and are afraid of losing it? It would have to be a pretty new house in good condition for me to remove a general inspection contingency. If you know you are going to get a loan and can make up for appraisal deficiencies with y...
by barnaclebob
Tue May 12, 2015 9:54 am
Forum: Personal Consumer Issues
Topic: Mechanics fails to fix problem
Replies: 17
Views: 1408

Re: Mechanics fails to fix problem

Barnaclebob -- They had replaced the tierods, but as to what's really causing the problem, I still don't know. At different times the owner, who was who I was talking to, said it was the struts, then the drive train, and then when I suggested maybe it was a seized caliper he said it was that. We ta...
by barnaclebob
Mon May 11, 2015 12:49 pm
Forum: Personal Consumer Issues
Topic: Mechanics fails to fix problem
Replies: 17
Views: 1408

Re: Mechanics fails to fix problem

Doctors, for some reason get a pass on this. You can go to a clinic with the same problem and they get paid no matter how badly they perform. They can mis-diagnose, non-diagnose, mis-treat or no-treat and you always get a bill that has to be paid! :annoyed The human body is a bit more complicated t...
by barnaclebob
Sat May 09, 2015 11:34 am
Forum: Personal Consumer Issues
Topic: Brand Loyalty
Replies: 60
Views: 3992

Re: Brand Loyalty

Michelin tires
Outdoor research gloves and hats
weber grills
black Diamond skis and skins
by barnaclebob
Fri May 08, 2015 12:46 pm
Forum: Personal Consumer Issues
Topic: When to junk a car?
Replies: 27
Views: 1911

Re: When to junk a car?

I'm not really much of car person but here goes: it includes structs, gasket, spark plugs, and a bunch of fluids. I don't even have a pre-approval for a mortgage at the moment. I lost my pre-approval when I switched jobs last year. Hmmm, thats a tough call. Pretty much everything on that list is ju...
by barnaclebob
Fri May 08, 2015 12:34 pm
Forum: Personal Consumer Issues
Topic: When to junk a car?
Replies: 27
Views: 1911

Re: When to junk a car?

What does this quote include. If its things like tire, brakes, belts, and fluids, then maybe its worth it to pay it if the car is otherwise mechanically sound and reliable. You can also look into DIY for many things. Replacing brake pads, belts, and fluids is pretty easy. However if it were me, i'd ...
by barnaclebob
Thu May 07, 2015 1:29 pm
Forum: Personal Consumer Issues
Topic: New car vs used car -- what's your approach?
Replies: 57
Views: 2850

Re: New car vs used car -- what's your approach?

You MUST do your homework. D NOT assume that used is cheaper than new. For example: I was in the market for a Wrangler. I was not looking for a "lexus" Wrangler, I wanted a Wrangler. I looked at used back to 2012, when they made major engine changes. Nothing was cheaper than new. To give ...
by barnaclebob
Wed May 06, 2015 8:58 am
Forum: Personal Consumer Issues
Topic: Frugal car maintenance - Lexus serviced by Toyota
Replies: 49
Views: 3537

Re: Frugal car maintenance - Lexus serviced by Toyota

After my "free" oil change, called my Lexus dealer for a 30k mile service estimate, about $500 before taxes. So I got my 2012 RX350 CPO serviced in a next door Toyota (different owner) dealership for a quote of $199 for regular oil, without wiper blade insert replacement. The synthetic an...
by barnaclebob
Mon May 04, 2015 2:52 pm
Forum: Personal Consumer Issues
Topic: Used vehicle purchase disaster
Replies: 37
Views: 3794

Re: Used vehicle purchase disaster

When buying a van with 150k miles you should have expected and budgeted for major powertrain repairs at some point in the near future anyway. So in that sense you are getting half off on a transmission replacement that you would have had to do anyway...
by barnaclebob
Fri May 01, 2015 10:12 am
Forum: Personal Consumer Issues
Topic: Powerwall: The Arrival of Home Battery Backup System
Replies: 53
Views: 5020

Re: Powerwall: The Arrival of Home Battery Backup System

There really isn't much point to this as a money saver unless you aren't on net metering.
by barnaclebob
Fri May 01, 2015 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Value of personal time
Replies: 24
Views: 2002

Re: Value of personal time

My time is the primary reason I have amazon prime. It has saved me dozens of hours driving and wandering around stores for an item that they probably don't carry anyway. I now do almost all car maintenance myself and grass cutting even though on a $/hr basis that might not make sense. Car maintenanc...
by barnaclebob
Fri May 01, 2015 9:28 am
Forum: Personal Consumer Issues
Topic: Oh Hail! [fix hard to see hail damage to car?]
Replies: 24
Views: 1626

Re: Oh Hail!

What if you just have the hood replaced and forget about the damage to the roof? Or whatever combination makes the most sense cost wise.

I'm proud of the Genuine Missouri hail dents on one of my cars...
by barnaclebob
Thu Apr 30, 2015 3:15 pm
Forum: Personal Consumer Issues
Topic: Karate for kids—Thoughts?
Replies: 47
Views: 2502

Re: Karate for kids—Thoughts?

I took it for a summer as a kid and didn't really learn anything useful but it was the cool thing to do at the time...

Do you have a rock climbing gym nearby with a team or kids program? That is a mostly individual sport. You could work out at the same time killing 3 birds with one stone...
by barnaclebob
Thu Apr 30, 2015 11:41 am
Forum: Investing - Help with Personal Investments
Topic: How should I save for a house???
Replies: 17
Views: 1404

Re: How should I save for a house???

Personally I'd reduce retirement savings down to any employer match to get out of my parents house.
by barnaclebob
Thu Apr 30, 2015 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Saving ideas for road trip
Replies: 7
Views: 870

Re: Saving ideas for road trip

How long is this trip? This is a shot in the dark but after getting a feel for the price of a rental you could go to some small used car lots and see if they will give you a very short term lease for the length of the trip for cheaper. I once rented a car from a tiny used car dealer (that advertised...
by barnaclebob
Thu Apr 30, 2015 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Advice with $6600
Replies: 16
Views: 881

Re: Advice with $6600

Here is the one kicker...I'm 28....does this change your advice? Not really. You mention you have a fairly serious relationship right now. That could mean a house in the next 5 years. If having a house is a mid term goal for you then you'd want to have fairly conservative investments, (60-80% bonds...
by barnaclebob
Thu Apr 30, 2015 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Advice with $6600
Replies: 16
Views: 881

Re: Advice with $6600

Personally I would start splitting my excess income between a Roth IRA and increasing the emergency fund to the levels you will need when you are living on your own. That way you have a good buffer as soon as you move out. Thats why I'm posting this, I can't open an IRA right now I'm unemployed cur...
by barnaclebob
Thu Apr 30, 2015 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Advice with $6600
Replies: 16
Views: 881

Re: Advice with $6600

Personally I would start splitting my excess income between a Roth IRA and increasing the emergency fund to the levels you will need when you are living on your own. That way you have a good buffer as soon as you move out. Don't invest in a taxable account right now. Although does your income right ...
by barnaclebob
Wed Apr 29, 2015 12:19 pm
Forum: Personal Consumer Issues
Topic: to repair 2002 subaru or replace it
Replies: 15
Views: 907

Re: to repair 2002 subaru or replace it

No way I'd spend that much on the car. For used cars I prefer something with less than 50k miles before most factory maintenance items come due unless there are trustworthy maintenance records to go with it. Depending on your location and the car, buying a lightly used car may not save you much over...
by barnaclebob
Wed Apr 29, 2015 9:41 am
Forum: Personal Consumer Issues
Topic: Backyard patio - should I invest?
Replies: 39
Views: 2638

Re: Backyard patio - should I invest?

Financially very few if any home improvements are good investments.

That being said, I'd never own a house without a deck or patio to grill and eat outside on. We have a 3 tier, 600+ square foot wood deck and it is a pain to refinish.
by barnaclebob
Tue Apr 28, 2015 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Your First Credit Card
Replies: 23
Views: 1435

Re: Applying for Your First Credit Card

You have a job, the best place to get your first credit card is the bank that has your direct deposit since they see your wages. I've never had a credit card verify my wages and I used to inflate them greatly on the applications. Even if my credit union gets my direct deposit I don't think they giv...
by barnaclebob
Tue Apr 28, 2015 11:26 am
Forum: Personal Consumer Issues
Topic: Need tips on taking HS student on college tour
Replies: 34
Views: 2001

Re: Need tips on taking HS student on college tour

If you want to tour some engineering labs contact people in a specific engineering dept and ask if there is a student that can show you around them. For example if I wanted to see what Stanford Aerospace Engineering had to offer I would search for Stanford Aerospace Engineering Dept. Click on the fa...
by barnaclebob
Mon Apr 27, 2015 4:14 pm
Forum: Investing - Theory, News & General
Topic: Spoke with a Schwab Representative...
Replies: 9
Views: 1853

Re: Spoke with a Schwab Representative...

You cant expect him to be an expert in every brokerage's pricing strategy. Flagship, admiral, green jacket, gold jacket who gives a ....
by barnaclebob
Mon Apr 27, 2015 9:32 am
Forum: Personal Consumer Issues
Topic: Been invited to wedding in Disney World. My cost?
Replies: 58
Views: 5962

Re: Been invited to wedding in Disney World. My cost?

I'd probably actually give less of a gift to a couple who wasn't a good friend when I didn't attend their destination wedding. No, meal or open bar for me...
by barnaclebob
Fri Apr 24, 2015 3:40 pm
Forum: Personal Consumer Issues
Topic: Cocktail Hobby
Replies: 11
Views: 1919

Re: Cocktail Hobby

I always like cocktails that are shaken with an egg white. Nice and healthy way to make a frothy drink.
by barnaclebob
Fri Apr 24, 2015 3:37 pm
Forum: Personal Consumer Issues
Topic: Best touristy places to live in the world?
Replies: 36
Views: 4603

Re: Best touristy places to live in the world?

Breckenridge, Vail and other popular ski areas in Colorado. I once went to Beaver Creek ski resort with a friend. He and I had a season ski pass. We only paid $300 for the pass. I met and talked with a guy on a lift who was there for a week with his family. He spent five figures for the week long t...
by barnaclebob
Fri Apr 24, 2015 9:53 am
Forum: Personal Consumer Issues
Topic: Car Dealership Credit Report
Replies: 34
Views: 2486

Re: Car Dealership Credit Report

http://www.edmunds.com/car-buying/car-dealership-credit-report-scams-and-the-patriot-act.html Thanks for that article. When I bought my last car using a personal check they gave me the patriot act BS about needing to run a credit check and I didn't push back because it was a good deal on a used car...
by barnaclebob
Thu Apr 23, 2015 3:33 pm
Forum: Personal Consumer Issues
Topic: Is this a reasonable request for broker?
Replies: 13
Views: 1217

Re: Is this a reasonable request for broker?

Do you really need every statement from every account? What about 1 per account per year?
by barnaclebob
Thu Apr 23, 2015 3:14 pm
Forum: Personal Consumer Issues
Topic: cleaning plastic eyeglass lenses
Replies: 30
Views: 1748

Re: cleaning plastic eyeglass lenses

My glasses get wiped down by my T-shirt. The lenses seem to last a few years before the coating starts peeling.
by barnaclebob
Thu Apr 23, 2015 1:20 pm
Forum: Personal Consumer Issues
Topic: How much should a small tile floor (3' X 5') cost? $2000?
Replies: 47
Views: 3480

Re: How much should a small tile floor (3' X 5') cost? $2000

How about just doing the grout yourself to save the guy a day off his labor? Grout is really easy.
by barnaclebob
Thu Apr 23, 2015 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Giving Vanguard VTSMX as a Wedding Gift
Replies: 34
Views: 2932

Re: Giving Vanguard VTSMX as a Wedding Gift

This is a terrible wedding gift unless spefically asked for (which would be tacky in itself). It would be better to sell the shares and give them the proceeds less taxes. Don't make recipients jump through hoops.
by barnaclebob
Wed Apr 22, 2015 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: What age did your Net Worth first equal 10,000x your Weight?
Replies: 48
Views: 3575

Re: What age did your Net Worth first equal 10,000x your Wei

In adult male should weight no less than 200lbs equaling 2mil. I'm pretty sure weight is a function of height. I would say a 6 foot tall or taller adult male should be no lower than 180 lbs. Anywhere between 180-200 is fine in my opinion, depending on how much of that is muscle mass. If you're Shaq...
by barnaclebob
Wed Apr 22, 2015 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: What age did your Net Worth first equal 10,000x your Weight?
Replies: 48
Views: 3575

Re: What age did your Net Worth first equal 10,000x your Wei

I'm at 5,400x my body weight right now, was at 5,200x my body weight before I started using MyFitnessPal 2.5 weeks ago to track my weight and calories. Turns out a 1500 - 1800 calorie diet isn't that hard to maintain if you eat the right foods.
by barnaclebob
Wed Apr 22, 2015 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Friend's house burnt, Helping him start new financial life?
Replies: 20
Views: 2303

Re: Friend's house burnt, Helping him start new financial li

Any photos you may have of them (with or without you!) would probably be the most appreciated. You can replace possessions, but if photos get burned, they are basically gone. Of course, many are all-digital at this point... My photos are the only real irreplaceable thing I own. They are backed up o...
by barnaclebob
Wed Apr 22, 2015 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Should I paint the house next door?
Replies: 17
Views: 2305

Re: Should I paint the house next door?

Have you checked to make sure they aren't violating any ordinances or covenants if you have an HOA?
by barnaclebob
Wed Apr 22, 2015 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Wire money to Crimea?
Replies: 6
Views: 766

Re: Wire money to Crimea?

bitcoins would work if the developer was amenable. I second this suggestion The price has been relatively stable recently so you aren't at as much of a risk loosing it all overnight. If you do pay in bitcoins, agree to the price in bitcoins and a drop dead date on which they will be transferred to ...
by barnaclebob
Wed Apr 22, 2015 9:42 am
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 43
Views: 2920

Re: Broken Oxygen Sensor on Car

depends on the car. On some BMW's the O2 code is usually an indicator of another problem "upstream" and not the O2 sensor itself. I have personally seen this happen and the fix was absurdly cheap and the dealer wanted $3k... It really depends on the code because there is no "O2 code&...

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