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Re: Dog food - how cheap is too cheap?

This thread reminds me of an SNL skit. Most high end dog food is marketed to make people feel bad for not buying their animals the best.

https://www.youtube.com/watch?v=bkbiJYU4CNI
by barnaclebob
Sun Nov 23, 2014 1:55 pm
 
Forum: Personal Consumer Issues
Topic: Dog food - how cheap is too cheap?
Replies: 36
Views: 1962

Re: What would be the investing strategy for a coming crash?

For how far out can you even buy options?
by barnaclebob
Fri Nov 21, 2014 10:25 pm
 
Forum: Investing - Theory, News & General
Topic: What would be the investing strategy for a coming crash?
Replies: 49
Views: 3705

Re: What were your biggest financial emergencies?

Haven't had anything too bad. Had to buy 1 way tickets home from Hong Kong after United canceled our flights home due to a typhoon. Cost about $1700 out of pocket and got about $700 back from united since it was deemed a special weather event or something like that.
by barnaclebob
Thu Nov 20, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: What were your biggest financial emergencies?
Replies: 39
Views: 3766

Re: thinking of opening a franchise

I would think the first place to start would be to get information from dunkin donuts. From what I've read about opening a franchise they will have all of the information and requirements that you need to meet. You could also try talking to other franchise owners to see how their process went.
by barnaclebob
Thu Nov 20, 2014 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: thinking of opening a franchise
Replies: 21
Views: 2744

Re: Nissan Titan 2008 - Repair Estimates

Sounds like you are a recipient of the upsell. This happens every time I go to have my car serviced and they include a "free 24 point inspection." I would get a second opinion. The OP says there are symptoms for many of these problems so its likely not a upsell to fix problems that don't ...
by barnaclebob
Thu Nov 20, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: Nissan Titan 2008 - Repair Estimates
Replies: 8
Views: 814

Re: Vanguard launches new offering ... [Vanguard merchandise

Maybe they'll start offering them for free when you get voyager select or flagship status.
by barnaclebob
Tue Nov 18, 2014 5:26 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 108
Views: 10306

Re: James Advantage Funds

Same as any other company that charges a lot and doesn't guarantee beating the market...

I'd consider investing in the balanced golden rainbow fund (GLRBX) if there was also a matching leprechaun pot fund and unicorn tears fund which concentrated in other asset classes.
by barnaclebob
Tue Nov 18, 2014 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: James Advantage Funds
Replies: 3
Views: 405

Re: Credit Card Fraud - Need Advice

I've had no issues with BoA with several rounds of fraudulent charges. They have always cancelled the account and sent me a new card a week later. I have lost a dispute over a meal that gave me food poisoning though...
by barnaclebob
Tue Nov 18, 2014 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Fraud - Need Advice
Replies: 32
Views: 2799

Re: Is buying organic worth it financially in the long term?

I'll pay extra for local food before I pay extra for organic. It just happens that my CSA and most local food is also organic.
by barnaclebob
Tue Nov 18, 2014 11:21 am
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5600

Re: Is my Tommy Lee Jones Approved Portfolio a disaster?

"Columbia Thermostat Fund" I had to look that one up lol. Seems like a market timing fund that has failed to beat the S&P for the last 10 years. "James Balanced Golden Rainbow" also a lol. I agree with what someone posted above. Get out from under the .5% AUM fee and then you...
by barnaclebob
Mon Nov 17, 2014 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is my Tommy Lee Jones approved Portfolio a disaster?
Replies: 17
Views: 2173

Re: Winter Coat

I'm guessing durability is a concern over weight? Skip the north face, their stuff is pretty cheap these days. You'll hardly ever see it on the north face of any mountain. Pay really close attention to the zipper because its what will wear out first in all likelihood. Skip jackets with a coil zipper...
by barnaclebob
Fri Nov 14, 2014 9:51 am
 
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 51
Views: 4382

Re: Not qualified for my job - what to do?

Fake it till you make it baby.

Is there any hope of you learning the skills you need or did they hire you for something that you literally have no knowledge of and it would basically take a new degree?
by barnaclebob
Fri Nov 14, 2014 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Not qualified for my job - what to do?
Replies: 42
Views: 4701

Re: Bogleheads not found easily in Google

its possible that google optimizes for what it thinks you are most likely to want to see. When I search "investment forum" bogleheads comes up first. The trick is to try it from a computer of an edward jones client.
by barnaclebob
Thu Nov 13, 2014 2:59 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads not found easily in Google
Replies: 30
Views: 2897

Re: Product subscriptions - cancel immediately for discount?

My wife has done this with tea on amazon, no problems.
by barnaclebob
Wed Nov 12, 2014 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Product subscriptions - cancel immediately for discount?
Replies: 7
Views: 556

Re: Letting go

I think I'd only use a lawyer as a last resort, but then again you have met this guy 3 times.
by barnaclebob
Mon Nov 10, 2014 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Letting go
Replies: 17
Views: 3128

Re: Increased Premium Paid for Premium Gas

I had a 500+ mile trip and used mid grade one direction and premium the opposite direction. I got over 1 mpg more with the premium. For a 20 gallon tank, the lets say $0.15 savings per gallon will save you $3 for a tank. This may not save you money in the long run depending on the price of a gallon...
by barnaclebob
Fri Nov 07, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: Increased Premium Paid for Premium Gas
Replies: 24
Views: 1849

Re: Avoid points in unsafe turn ticket!

Do not call the police station and admit your guilt. That is not going to get you anywhere and they probably wouldn't know what to do if you did that anyway. If you are truly concerned pay a lawyer to deal with it for you, that is your best bet but will cost you an extra $300-$400.
by barnaclebob
Wed Nov 05, 2014 9:49 pm
 
Forum: Personal Consumer Issues
Topic: Avoid points in unsafe turn ticket!
Replies: 48
Views: 2407

Re: Shoes for the Garden

I'll throw mine into the hat:

http://www.amazon.com/gp/product/B002D9 ... UTF8&psc=1

These have sat out in the sun nonstop for a year and show now degradation. You can cut them shorter if they are too tall too. They do get hot in the sun though...
by barnaclebob
Wed Nov 05, 2014 1:31 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for the Garden
Replies: 23
Views: 1587

Re: I bought this new mattress….

What about getting the firm and then a foam pad to put on it when the softy comes to visit?
by barnaclebob
Mon Nov 03, 2014 6:06 pm
 
Forum: Personal Consumer Issues
Topic: I bought this new mattress….
Replies: 16
Views: 2224

Re: Investing in Art, Antiques, and Collectibles and wines

There was a bizarre moment in the late 90s/early 00s when two categories of instruments were going through the roof: (1) fine archtop guitars from the 30s-50s, and (2) Gibson Mastertone banjos from the pre-war era (preferably 5-string, though converted 4-strings did ok too). These instruments would...
by barnaclebob
Mon Nov 03, 2014 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Art, Antiques, and Collectibles and wines
Replies: 53
Views: 3774

Re: Investing in Art, Antiques, and Collectibles and wines

One mistake I think a lot of collectors make is buying too many low dollar items thinking that a collection of 200 items that sell for $50 each is worth $10,000 when in reality its worth much less under most scenarios.
by barnaclebob
Mon Nov 03, 2014 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Art, Antiques, and Collectibles and wines
Replies: 53
Views: 3774

Re: Strategy of 6M trusts meeting tonight. Few Q's

John Hancock is high expense garbage. I use to own one of their funds but sold it after a few years of underperformance and discovering this method of investing. The fund was eventually merged with another fund after chronic underperformance always nearly exactly equal to their expense ratio.
by barnaclebob
Fri Oct 31, 2014 9:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Strategy of 6M trusts meeting tonight. Few Q's
Replies: 64
Views: 5797

Re: A Little Common Core Math problem

My child is in fifth grade and has similar problems in his math book (the school follows the common core). Based on standardized testing (NWEA) he is currently at the 99th percentile for 11th grade , but is struggling with the common core curriculum. How is this possible, your fifth grader figured ...
by barnaclebob
Thu Oct 30, 2014 3:02 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2693

Re: AA canceled flight: premium seat fee not refunded

Here's a tip: Don't ever pay for a premium seat, but still sit in a premium seat without paying. Here's how I do it: I buy my ticket for cheap seat, then the day before the flight, I look online and change my seat assignment to a premium seat at no charge. What airlines does this work on? I know it...
by barnaclebob
Wed Oct 29, 2014 1:15 pm
 
Forum: Personal Consumer Issues
Topic: canceled flight on AA: premium seat fee not refunded
Replies: 30
Views: 2318

Re: A Challenge for Bogleheads - the market has changed

That poster says it with such confidence, provides some graphs, anecdotes, and makes it seem so simple that you must have missed something and would be stupid to not follow his advice right? How long does a trend have to be a trend before you can decide if you are above or below it? a day, week, mon...
by barnaclebob
Wed Oct 29, 2014 9:27 am
 
Forum: Investing - Theory, News & General
Topic: A Challenge for Bogleheads - the market has changed
Replies: 53
Views: 6757

Re: fleeced by an adviser, is there a recourse?

It sucks to be taken advantage of but it doesn't sound like this adviser is guilty of any crime.
by barnaclebob
Mon Oct 27, 2014 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: fleeced by an adviser, is there a recourse?
Replies: 104
Views: 9001

Re: Dubai trip

Definitely recommend the dessert tour. I was surprised by the good service everywhere, made me edgy that I was always walking into somewhere where I was going to pay way more than I wanted to.
by barnaclebob
Fri Oct 24, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Dubai trip
Replies: 9
Views: 1045

Re: Should I Sue?

Have you offered them to settle for 2k?
by barnaclebob
Fri Oct 24, 2014 9:07 am
 
Forum: Personal Consumer Issues
Topic: Should I Sue? [couch damaged in garage of rental]
Replies: 39
Views: 3288

Re: Planting garlic

To get big bulbs you need to plant big cloves so if you don't get anything good this year you might want to start with new stock next year
by barnaclebob
Thu Oct 23, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Planting garlic
Replies: 10
Views: 1182

Re: Planting garlic

Planted 120 heads here in the Pacific northwest about a month ago. Tops of the cloves were 1.5 - 2" below the top of the soil and many of them have sprouted. I recommend Music or other hard neck porcelain varieties because they have fewer but bigger cloves which means less effort peeling. Seed ...
by barnaclebob
Thu Oct 23, 2014 11:24 am
 
Forum: Personal Consumer Issues
Topic: Planting garlic
Replies: 10
Views: 1182

Re: Putting Active Management to the Test

What is the average ER for these funds, Im guessing its close to .5 to .9%... Good guess! Overall average is 0.6%; many funds are close to this. Vanguard average is 0.4% (investor shares), T Rowe Price average is 0.7%, Fidelity Low Priced FLPSX is 0.82%, Sequoia SEQUX is 1.0%. Due Diligence It wasn...
by barnaclebob
Mon Oct 20, 2014 11:33 am
 
Forum: Investing - Theory, News & General
Topic: Putting Active Management to the Test
Replies: 108
Views: 13111

Re: Mega bus vacation with toddlers.

How much cheaper are we talking here? at 20mpg for 960 each way and $3.50 gas your talking $~340 in gas.
by barnaclebob
Fri Oct 17, 2014 1:45 pm
 
Forum: Personal Consumer Issues
Topic: Mega bus vacation with toddlers.
Replies: 27
Views: 2069

Re: Be careful if you get this email

Do we really need to post every phishing, scam email, or phone call here? Its clear that no notice to appear in court would ever come through email (but watch someone correct me on that). Unless it directly involves vanguard or another popular investment company or is some truly new way of scamming ...
by barnaclebob
Fri Oct 17, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: Be careful if you get this email [scam, infected with virus]
Replies: 12
Views: 1972

Re: First investment strategy meeting with new FA, $6M trust

Stick to your guns about indexing. The guy gets paid the same either way if he doesnt collect loads or commissions as you say. If you want less stress this is the way to go, no worrying about how dumb you were for not listening to the bogleheads when 5 years from now you are 3-5% under where you sho...
by barnaclebob
Fri Oct 17, 2014 8:32 am
 
Forum: Investing - Help with Personal Investments
Topic: First investment strategy meeting with new FA, $6M trusts
Replies: 80
Views: 4832

Re: Putting Active Management to the Test

What is the average ER for these funds, Im guessing its close to .5 to .9%...
by barnaclebob
Wed Oct 15, 2014 4:40 pm
 
Forum: Investing - Theory, News & General
Topic: Putting Active Management to the Test
Replies: 108
Views: 13111

Re: Ebola preparation

Short the health sector?
by barnaclebob
Tue Oct 14, 2014 1:06 pm
 
Forum: Personal Consumer Issues
Topic: Ebola preparation
Replies: 55
Views: 2287

Re: Renting a car at St. Louis Airport

I've rented a car from a local small used car lot, Jim King Motors. It pretty cheap, $20/day but a really crappy car. They told me to bring it back with the tank empty because people siphon the gas out at night in their lot...
by barnaclebob
Mon Oct 13, 2014 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Renting a car at St. Louis Airport
Replies: 11
Views: 693

Re: When people put all their eggs in the wrong basket

Here is another forum where people seem to gamble with their money. This one has even less intelligent analysis and I'm convinced it has many bot posters too.

http://investorshub.advfn.com/GT-Advanc ... Start=2550

The news hits at post #2549
by barnaclebob
Fri Oct 10, 2014 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 28791

Re: Wine - how to keep it from not spoiling?

I've never used this exact product but the Platypus drinking systems don't impart any taste on water that I can tell. [url] http://www.bobwards.com/PLATYPUS--PlatyPreserve-Wine-Preservation-System-800mL-49570&kid=242352&gid=040818070581?utm_medium=shoppingengine&utm_source=googleproducts...
by barnaclebob
Fri Oct 10, 2014 12:15 pm
 
Forum: Personal Consumer Issues
Topic: Wine - how to keep it from not spoiling?
Replies: 57
Views: 3015

Re: Invested Windfall and Now Market Is Down

How much do you think 15k will influence your retirement?
by barnaclebob
Thu Oct 09, 2014 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invested Windfall and Now Market Is Down
Replies: 34
Views: 5223

Re: Headed for a 300+ point loss today?

At least my standing in the bogleheads contest has improved... Also I got paid today which means my order executes at the end of the day.
by barnaclebob
Thu Oct 09, 2014 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 461
Views: 34341

Re: Why are my funds negative if stock market setting new hi

Have you had dividends paid out in this time period? If so you may show a negative market price return but you have to add your income return to that. In my plan the monthly numbers only update once a month so they could be behind too.

Also for the past month the S&P has been down
by barnaclebob
Wed Oct 08, 2014 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: Why are my funds negative if stock market setting new highs?
Replies: 21
Views: 3215

Re: When people put all their eggs in the wrong basket

Its amazing how few of them know the rules of the game they are playing. People talk about selling and then getting in on class action lawsuits ( i thought you had to keep your shares to do that) and then not knowing who gets paid first in BK. Non of them talk about the technical issues with these s...
by barnaclebob
Wed Oct 08, 2014 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 28791

Re: Taxes on Over Priced Prize?

I think if you printed out a copy of the ebay auction that would be good enough. I doubt the IRS would take you to court over that.
by barnaclebob
Mon Oct 06, 2014 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxes on Over Priced Prize?
Replies: 10
Views: 1803

Re: Should I include [banked vacation days] in my net worth?

~500 hours is 3 months pay. I doubt that would make much of a difference besides retiring 3 months early if you arent already planning to retire at some minimum age to get benefits. I count my net worth as if I sold my house and investments and paid all debts and a reasonable assumption on taxes wha...
by barnaclebob
Fri Oct 03, 2014 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I include [banked vacation days] in my net worth?
Replies: 40
Views: 3072

Re: manipulating Amazon reviews

For the products I buy I don't see much manipulation of reviews. The areas that you'd want to worry about seem to be for items that the top reviewers review or that companies give swag to reviewers. Their goal is to keep their reviewer ranking high which means they are writing reviews to get the mos...
by barnaclebob
Fri Oct 03, 2014 7:59 am
 
Forum: Personal Consumer Issues
Topic: manipulating Amazon reviews
Replies: 33
Views: 2995

Re: Lakefront property with small children?

So I am going to ask a few questions. You say you're single. Are you involved with someone who has kids? You don't have to answer, obviously, but my first thoughts were.....are you buying a mini van because someday you'll meet a girl and get married and have kids? If I were single, uninvolved and c...
by barnaclebob
Tue Sep 30, 2014 6:12 pm
 
Forum: Personal Consumer Issues
Topic: Lakefront property with small children?
Replies: 44
Views: 2194

Re: Lakefront property with small children?

I would think the risk of drowning in a lake is less than in a pool if you can put a gate on the dock and the lake doesn't get deep very quickly. I don't have kids yet but the risk of drowning wouldn't keep me from buying a lake house. The rule at my uncles lake house was life jackets on when in the...
by barnaclebob
Tue Sep 30, 2014 10:50 am
 
Forum: Personal Consumer Issues
Topic: Lakefront property with small children?
Replies: 44
Views: 2194

Re: My paycheck.

What difference does it make if you spend from savings or you save less and spend from a checking account? Money In - Money Out = Net Money Saved

But if you are using tax advantage accounts then maybe its better to save inside of those than save in a checking account.
by barnaclebob
Tue Sep 30, 2014 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: My paycheck [all to Roth 457, living off savings]
Replies: 12
Views: 2281
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