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Re: Your biggest "Missed Money" event that still kills you?

I really considered buying trip adviser when it had its split/IPO from expedia at $35/share. I had used the website before and will pretty much only use it when planning vacations. I rationalized that the market had accurately priced trip adviser into expedia... But I would only have put 5k in so wh...
by barnaclebob
Mon Aug 18, 2014 11:27 am
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 68
Views: 4446

Re: In-Law Financial Issues (long)

The OP isn't saying that he doesn't want them spending now because it will reduce his wife's inheritance. He is saying that every dollar they spend now is another dollar that him and his wife will likely have to spend supporting them later. I have a fear that I will also be put in this situation, th...
by barnaclebob
Mon Aug 18, 2014 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: In-Law Financial Issues (long)
Replies: 44
Views: 3932

Re: Bankrolled Her Brother, Regrets It (article)

I have found that people rarely have money problems because they don't make enough of it...
by barnaclebob
Mon Aug 18, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: Bankrolled Her Brother, Regrets It (article)
Replies: 24
Views: 3653

Re: Deck - Best Method of Treatment

Finally something I can contribute to on this wonderful forum, I tend to learn more than I can share...anyway. I have tried Behr, Cabot, Thompson's, clear, tinted, semi-transp...etc...but the one I've tried and will keep using is One Time Wood http://onetimewood.com/ . I just applied my second app ...
by barnaclebob
Mon Aug 18, 2014 10:21 am
 
Forum: Personal Consumer Issues
Topic: Deck - Best Method of Treatment
Replies: 15
Views: 912

Re: VTSMX vs VTSAX

I know the VTSAX is the Admiral shares with a larger initial investment. Are there any other reasons for choosing one over the other, if the minimum is not an issue? It seems the Admiral had slightly better gains than the VTSMX. I also noticed the VTSMX doesn't show up under the Vanguard Stock Fund...
by barnaclebob
Fri Aug 15, 2014 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTSMX vs VTSAX [Total Stock Market, Investor vs. Admiral]
Replies: 11
Views: 1169

Re: Would you ask for diminish value (diminution of value) h

I'm not hopeful there wouldn't be a carfax ding for my car. The other insurance company will verify that your car has this accident on its report before giving you a diminished value settlement. Many times the carfax ding is the only thing that really diminishes the value if the repair is done well.
by barnaclebob
Fri Aug 15, 2014 3:44 pm
 
Forum: Personal Consumer Issues
Topic: Would you ask for diminish value (diminution of value) here?
Replies: 10
Views: 426

Re: Would you ask for diminish value (diminution of value) h

When I talked to the dealer (in person) they basically told me to look up the value of comparable used cars and take 10% off. There was no formal appraisal in my case. My repair bill was 7k, all superficial damage and I couldn't tell there had been any work done afterwards. You may also want to chec...
by barnaclebob
Fri Aug 15, 2014 3:42 pm
 
Forum: Personal Consumer Issues
Topic: Would you ask for diminish value (diminution of value) here?
Replies: 10
Views: 426

Re: Would you ask for diminish value (diminution of value) h

Absolutely, I received $2000 for a 2011 with 40k miles on it in great condition. This was about 10% of the pre accident value. They offered $1500 right off the bat based on their "internal formulas", I countered with 2k and they accepted. You may have to get the car completely fixed first ...
by barnaclebob
Fri Aug 15, 2014 2:56 pm
 
Forum: Personal Consumer Issues
Topic: Would you ask for diminish value (diminution of value) here?
Replies: 10
Views: 426

Re: Would you tip this tour guide?

Trying to cram 3 adults into minivan third row isn't acceptable in my book.
by barnaclebob
Tue Aug 12, 2014 4:27 pm
 
Forum: Personal Consumer Issues
Topic: Would you tip this tour guide?
Replies: 22
Views: 2168

Re: I...I don't even know where to begin.

Savings accounts have been yielding next to nothing for years, why the stock market now? You will have to be ok with the fact that you could be buying in right before we take a 50% shaving. Or it could double in the next 2 years, nobody knows.
by barnaclebob
Mon Aug 11, 2014 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: I...I don't even know where to begin.
Replies: 19
Views: 2954

Re: Home Siding Options

I like my hardi plank siding. It came with the house so I didn't pay the bill directly...
by barnaclebob
Fri Aug 08, 2014 9:54 am
 
Forum: Personal Consumer Issues
Topic: Home Siding Options
Replies: 14
Views: 1017

Re: Neighbor's Tree

Related story:

A neighbor's tree lost a branch that punched a hole in my grandma's new roof, the neighbor's (or their insurance) paid for it. Not sure if that's the law or that they were just nice about it.
by barnaclebob
Thu Aug 07, 2014 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Neighbor's Tree
Replies: 44
Views: 3008

Re: Recommendation for a 2 man tent

Dutch wrote:The Sierra Designs Clip Flashlight 2 is a good quality backpacking tent, lightweight and a reasonable price. I've been using one for 6 years now. It gets a lot of use and shows no signs of wear.


Had all of the seam tape on a clip flashlight CD 2 crumble after about 5 years...
by barnaclebob
Thu Aug 07, 2014 2:08 pm
 
Forum: Personal Consumer Issues
Topic: Recommendation for a 2 man tent
Replies: 23
Views: 1104

Re: Moving Average Backtest destroys Buy/Hold. Try for yours

backtesting bitcoins for 5 years destroys just about any investment method.
by barnaclebob
Thu Aug 07, 2014 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: Moving Average Backtest destroys Buy/Hold. Try for yourself.
Replies: 59
Views: 4345

Re: Potato Barrel

One of the prominent bloggers around here (Pacific Northwest) has tried many different potato techniques designed to produce huge yields an not much beats the compost pile or just planting them in the ground at a proper depth.
by barnaclebob
Thu Aug 07, 2014 10:53 am
 
Forum: Personal Consumer Issues
Topic: Potato Barrel
Replies: 18
Views: 2028

Re: Recommendation for a 2 man tent

I'm a huge fan of big agnes tents (I have 3), they have dozens of models to choose from. Can you give the type of conditions you will be using them in? Above treeline in windy conditions or down in hot humid forests? Who will be sharing a tent with you, your significant other or another hiking buddy...
by barnaclebob
Wed Aug 06, 2014 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Recommendation for a 2 man tent
Replies: 23
Views: 1104

Re: How to give advice when you don't know much.

Evoking the feeling of missing out on a good deal is a huge tactic that high pressure salesman use. There is no such thing as a deadline to buy stocks or mutual funds (at least not any that I would recommend, and even most I wouldnt) The entire point of the bogleheads philosophy is that you don't ne...
by barnaclebob
Wed Aug 06, 2014 11:00 am
 
Forum: Investing - Help with Personal Investments
Topic: How to give advice when you don't know much.
Replies: 33
Views: 1357

Re: Attitudes toward inheritances.

My Mom received an inheritance that pretty much doubled her net worth (to mid 6 figures) and took her from being able to scrape by to having a decently comfortable retirement if she didn't engage in lifestyle creep and her and my step dad could unhook my loser leach of a stepbrother. Welp at least w...
by barnaclebob
Tue Aug 05, 2014 5:21 pm
 
Forum: Personal Consumer Issues
Topic: Attitudes toward inheritances.
Replies: 110
Views: 9215

Re: Gardening 2014 mid summer update

in the PNW hot weather plants have been doing awesome (relative to the PNW norm) but i still haven't harvested tomatoes...lots of green ones though. We've made 3 quarts of pickles already and will have another 1 or two by the end of the weekend. Peppers are at least double the size of last year. Bus...
by barnaclebob
Wed Jul 30, 2014 10:22 am
 
Forum: Personal Consumer Issues
Topic: Gardening 2014 mid summer update
Replies: 8
Views: 613

Re: Please help me fight for index funds!

Ask if the salesman can guarantee that his fund choices will outperform the index over the next 10 years...
by barnaclebob
Tue Jul 29, 2014 11:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help me fight for index funds!
Replies: 37
Views: 2446

Re: How to handle a company that won't honor a warranty?

I'd first call back and try again being more firm that their answer of "it was probably a power surge and it cant be a defect since defects show up quickly" isn't acceptable and there is no evidence of that happening. They could have had a bad batch of switches or cheap ones that are prone...
by barnaclebob
Tue Jul 29, 2014 6:22 pm
 
Forum: Personal Consumer Issues
Topic: How to handle a company that won't honor a warranty?
Replies: 23
Views: 1480

Re: Cell phone control devices for teen drivers?

How your daughter responds to this type of monitoring depends on what kind of person she is...
by barnaclebob
Mon Jul 28, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: Cell phone control devices for teen drivers?
Replies: 36
Views: 1685

Re: Girlfriend moving in, lots of student loan debt

BEFORE she moves in, give her an itemization of her first month's "share" of the expenses. Insist that she give you this "up front" before moving in. Another example of relationship advice not to take on this forum... If one is willing to risk moving in together in a serious rel...
by barnaclebob
Sun Jul 27, 2014 10:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend moving in, lots of student loan debt
Replies: 69
Views: 8727

Re: Advice needed for $825,000 nest egg

It sounds like it wasn't a good idea for you to have any ownership of the account just to help place trades if the money wasn't yours since you may not get a step up in basis on your share of it... I know there is nothing you can do about it now but it might serve as a good warning for others thinki...
by barnaclebob
Fri Jul 25, 2014 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice needed for $825,000 nest egg
Replies: 15
Views: 2314

Re: Verizon Issue advice

Why don't you just dispute the charges or is it too late for that? If its too late thats always the second thing to try after trying to straighten it out with the company.
by barnaclebob
Fri Jul 25, 2014 9:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Verizon Issue advice
Replies: 16
Views: 1270

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: 584

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: 6
Views: 686

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: 3817

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: 32
Views: 3916

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: 219

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: 2156

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: 8460

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: 8460

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: 624

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: 5427

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: 1150

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: 2074

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: 2367

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: 77
Views: 5666

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: 7486

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: 1402

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: 464

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: 896

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: 2966

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: 6379

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: 6379

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: 6368

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: 408

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: 2053

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: 1006
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