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Re: How high of an allocation to REITs?

I have to wonder if the OP would be asking about increasing a REIT allocation if they werent up 11% this year compared to TSM of ~1%. 100% REIT threads coming soon?
by barnaclebob
Fri Apr 18, 2014 10:05 am
 
Forum: Investing - Help with Personal Investments
Topic: How high of an allocation to REITs?
Replies: 18
Views: 1564

Re: Seattle trip at end of May - Any tips?

Another great place is Ray's Boathouse in Shilshole. Go in the lingering evening light, when the sailboats are coming in; the water and mountain views are amazing. The upstairs cafe has good views and atmosphere for a drink or light meal and is easier to get into than the restaurant. Rays > anthony...
by barnaclebob
Thu Apr 10, 2014 11:40 pm
 
Forum: Personal Consumer Issues
Topic: Seattle trip at end of May - Any tips?
Replies: 22
Views: 1267

Re: Was Wondering Why Windsor/Wellesley/Wellington?

I bought wellesley up to the point of admiral shares because it was my close to being my first taxable investing and I wanted one fund that was relatively stable to use as a quasi emergency fund. I've since changed the dividends to be invested elsewhere and let is sit as it is. Interesting choice g...
by barnaclebob
Thu Apr 10, 2014 3:36 pm
 
Forum: Investing - Theory, News & General
Topic: Was Wondering Why Windsor/Wellesley/Wellington?
Replies: 28
Views: 3409

Re: Was Wondering Why Windsor/Wellesley/Wellington?

I bought wellesley up to the point of admiral shares because it was my close to being my first taxable investing and I wanted one fund that was relatively stable to use as a quasi emergency fund. I've since changed the dividends to be invested elsewhere and let is sit as it is.
by barnaclebob
Thu Apr 10, 2014 2:16 pm
 
Forum: Investing - Theory, News & General
Topic: Was Wondering Why Windsor/Wellesley/Wellington?
Replies: 28
Views: 3409

Re: Edward Jones Advisory Solutions account

I also would like to know how American Funds compare with their corresponding indexes over a 25-year period, particularly when adding in the 5.75% load fee. The fact you start investing with only 94.25% of your initial investment really takes a toll Some of them may actually beat their index for aw...
by barnaclebob
Thu Apr 10, 2014 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Advisory Solutions account
Replies: 58
Views: 10174

Re: advisor advice?

hello, I was wondering if even though I like the personable Advice and constant attention of my Edward Jones advisor, if I'm making a big mistake and losing too much money with them? We only have 425k and not enough for personal advice and planning with Vanguard I was told. Thoughts and comments we...
by barnaclebob
Wed Apr 09, 2014 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: advisor advice?
Replies: 25
Views: 1439

Re: How to get parents on a better path

You can't help those that won't help themselves. You and your siblings can try to intervene but if it doesn't work then there isn't much you can do.
by barnaclebob
Wed Apr 09, 2014 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: How to get parents on a better path
Replies: 14
Views: 1094

Re: Credit Threatened By Mega Cell Carrier After Bill Disput

Personally, I do not think the wireless company is at fault. You didn't do your due diligence, became upset, and blamed the company. Like others have said, voice mail or texts are not a good medium to store important data.
by barnaclebob
Tue Apr 08, 2014 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Threatened By Mega Cell Carrier After Bill Dispute
Replies: 14
Views: 1108

Re: Gardening - asparagus in particular

Asparagus crowns are actually spider looking root systems from which the shoots that you seen in the grocery store grow. If you plant what you see in the store you would likely just be creating compost but someone may prove me wrong. Good garden stores that sell vegetable starts should have crowns a...
by barnaclebob
Thu Apr 03, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: Gardening - asparagus in particular
Replies: 24
Views: 1792

Re: Laid off today... TODO list?

I'm not sure how tight your retirement "margin" is but if you were planning on an early retirement then I'm guessing you'll be just fine with your severance package and unemployment. If you cut costs for a year or two you'll be right where you were but having "retired" earlier. C...
by barnaclebob
Wed Apr 02, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 9519

Re: Gardening - asparagus in particular

My research indicates that you can harvest the second season but only for a 2-3 weeks, 4-6 the next year, then up to 8 after that. I've got new shoots from each of the crowns I planted last year now. The first one will be harvested today.
by barnaclebob
Wed Apr 02, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: Gardening - asparagus in particular
Replies: 24
Views: 1792

Re: Receiving junk texts and cell phone messages

What's the protocol if the number keeps changing? At least once/day for the last couple weeks, I've received junk calls on my cell from different 1-800 numbers with the same automated message about qualifying for several hundred dollars' credit to my AT&T bill. The trouble is I often receive le...
by barnaclebob
Tue Apr 01, 2014 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Receiving junk texts and cell phone messages
Replies: 14
Views: 721

Re: Deleted Thread?

It was probably written by the same guy upset about his mail order wife not earning enough money...
by barnaclebob
Mon Mar 31, 2014 5:55 pm
 
Forum: Forum Issues and Administration
Topic: Deleted Thread?
Replies: 17
Views: 827

Re: American Funds?

The company should be called American Fees. Anyone that pays a 5.75% load is insane or lazy or has a crappy 401k.
by barnaclebob
Mon Mar 31, 2014 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: American Funds?
Replies: 37
Views: 2860

Re: Gardening - asparagus in particular

I've got my first few harvestable stalks that have already popped up here and they are growing very slowly. Are you saying not to pick the skinny ones because they just dont have much volume to eat or because it will hurt the plant? Personally I like the skinny ones from the grocery store but want t...
by barnaclebob
Thu Mar 27, 2014 3:36 pm
 
Forum: Personal Consumer Issues
Topic: Gardening - asparagus in particular
Replies: 24
Views: 1792

Re: Morgan Stanley A Big Mistake?

What is your complete financial picture? An annuity may or may not be right for you. For sure do not give money to Morgan Stanley unless you are completely convinced its the right thing to do. Put the money into a savings account until you know where you want it to go. The guy at MS is likely highly...
by barnaclebob
Thu Mar 27, 2014 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: I Really Would Appreciate Your Advice!
Replies: 72
Views: 2657

Re: Why does a Boglehead move to an adviser at 1.25% AUM?

Many of the things mentioned in the OP are worth paying for...by the hour not by %AUM.
by barnaclebob
Thu Mar 27, 2014 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: Why does a Boglehead move to an adviser at 1.25% AUM?
Replies: 63
Views: 4229

Re: Legal recourse for vehicle sold with undisclosed issues?

The only reasonable option is likely small claims court. He might be willing to settle for half if you become a pain in his rear. Other than that you just had to pay $600 for a life lesson.
by barnaclebob
Tue Mar 25, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Legal recourse for vehicle sold with undisclosed issues?
Replies: 21
Views: 1612

Re: $3000 to invest for 3 years

What is the consequence if your investment has losses in 3 years? Is it just that you have to wait a little longer to buy something or is the use of the money very time sensitive?
by barnaclebob
Mon Mar 24, 2014 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: $3000 to invest for 3 years
Replies: 18
Views: 1211

Re: Shark Tank

Yeah shark tank doesn't get into the dilution vs sale of equity issue, probably too complicated for the average viewer. Does anyone know if their deals are normally through dilution or sale of equity? I'd assume dilution since sale of equity doesn't really do anything for the business.
by barnaclebob
Fri Mar 21, 2014 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: Shark Tank [Equity Financing]
Replies: 6
Views: 906

Re: I need a quality lawnmower

My snapper has been great for 4 seasons so far. Pull cord is starting to show some abrasion where it goes into plastic housing.
by barnaclebob
Fri Mar 21, 2014 9:09 am
 
Forum: Personal Consumer Issues
Topic: I need a quality lawnmower
Replies: 31
Views: 1602

Re: Is it ethical to put this on your resume?

I don't see the problem with listing that you took courses concentrating on mathematics, its the truth isnt it?
by barnaclebob
Thu Mar 20, 2014 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it ethical to put this on your resume?
Replies: 27
Views: 2856

Re: How much do you make a year in Dividends?

How so? If I have 100 shares at $1 a share and receive $10 a year from those shares in dividends, assuming the price of the stock doesn't change it seems like I have $110 at the end of the year (not factoring in taxes) Why would the price not change? If you have $100 worth of stock and they pay you...
by barnaclebob
Tue Mar 18, 2014 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: How much do you make a year in Dividends?
Replies: 72
Views: 5681

Re: What premium items are least worth it?

I think most people have misunderstood the point behind this thread. Its not things you would never pay for. Its items that you have an option of buying something more expensive but find the cheap version works just as well. Teflon pans. None of them will last, cleanup isnt faster, and food not bett...
by barnaclebob
Mon Mar 17, 2014 8:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: What premium items are least worth it?
Replies: 105
Views: 5630

Re: Best place to buy backpacking and camping gear

moosejaw.com for sure. They have a really good rewards program, free shipping, price matching, and good customer service. REI caters to casual outdoor people and they rarely have good sales, 20% off one item a few times a year is not a good sale... Choose manufacturers that have good warranties, not...
by barnaclebob
Sun Mar 09, 2014 6:05 pm
 
Forum: Personal Consumer Issues
Topic: Best place to buy backpacking and camping gear
Replies: 24
Views: 1425

Re: Paying extra directly onto mortgage

No way I would stay in this situation. I cannot stand not being in control of my money.

If you refinance will the FIL keep the money he receives in an account for your wife or will that upset him and he will spend it on himself? Will FIL let you "refinance" with him?
by barnaclebob
Fri Mar 07, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying extra directly onto mortgage
Replies: 17
Views: 1590

Re: games for basement Game Room - suggestions

hicabob wrote:Foosball and/or table hockey - get decent units though.


True, nothing worse than playing on a crappy foosball table with rickety bearings. Good ones will stand up to kid abuse better too
by barnaclebob
Fri Mar 07, 2014 12:03 pm
 
Forum: Personal Consumer Issues
Topic: games for basement Game Room - suggestions
Replies: 18
Views: 1006

Re: games for basement Game Room - suggestions

If you get an air hockey table, make sure its a good arcade quality one. My dad spent $500 on a "mall quality" one for Christmas one year with light pucks and it sucked... They will likely eventually loose interest but when their friends come over they will all want to play it. For adults ...
by barnaclebob
Fri Mar 07, 2014 11:59 am
 
Forum: Personal Consumer Issues
Topic: games for basement Game Room - suggestions
Replies: 18
Views: 1006

Re: Auto trailer hitch bike racks

I have a Thule that holds the bikes from the top tube and it works well. Any that hold the bikes from the top tube are going to need padding and straps to keep the bikes from scratching and banging each other. However I don't bike very much... My friend who does bike a lot really likes his rack that...
by barnaclebob
Fri Mar 07, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: Auto trailer hitch bike racks
Replies: 21
Views: 1150

Re: Bitcoin price plunges

Another Bitcoin exchange folded. http://news.yahoo.com/bitcoin-bank-flexcoin-shuts-down-theft-231351523--sector.html Impossible. The potential problems with bitcoin are completely isolated to the mistakes made by one group of people at Mt Gox. No other problems are possible. Again, these are issues...
by barnaclebob
Wed Mar 05, 2014 7:55 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin price plunges
Replies: 246
Views: 17957

Re: Insurance for Unoccupied Home

Barnicle Bob: Great question. This is AAA. I believe it was defined loosely by a family member to be, " as long there is a bed and some furniture in the home and periodic visitation and over night stay. Again, no furniture and no one has stayed overnight in the house for over 18 months. Well t...
by barnaclebob
Wed Mar 05, 2014 7:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance for Unoccupied Home
Replies: 13
Views: 542

Re: Insurance for Unoccupied Home

What is their definition of a second home and an unoccupied home?
by barnaclebob
Wed Mar 05, 2014 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance for Unoccupied Home
Replies: 13
Views: 542

Re: Will this affect your Tipping?

If I'm standing, I'm not tipping.

$1pp if I order standing but the waitress brings the meal out and I don't have to clean my table

20% for full service.
by barnaclebob
Wed Mar 05, 2014 1:09 pm
 
Forum: Personal Consumer Issues
Topic: Will this affect your Tipping? [Suggested Tip Amounts]
Replies: 123
Views: 7548

Re: Bitcoin price plunges

Another Bitcoin exchange folded. http://news.yahoo.com/bitcoin-bank-flexcoin-shuts-down-theft-231351523--sector.html Impossible. The potential problems with bitcoin are completely isolated to the mistakes made by one group of people at Mt Gox. No other problems are possible. Again, these are issues...
by barnaclebob
Wed Mar 05, 2014 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin price plunges
Replies: 246
Views: 17957

Re: Planning first trip to Oregon and Seattle - advice sough

Don't waste your time on the mariners, the biggest excitement of the game is watching people flee around the 7th inning from the giant flock of seagulls (and their poop) that move in to clean up the seats. Capitol hill is awesome, lots of good restaurants but it can get crowded around the bar area a...
by barnaclebob
Tue Mar 04, 2014 6:34 pm
 
Forum: Personal Consumer Issues
Topic: Planning first trip to Oregon and Seattle - advice sought!
Replies: 40
Views: 1691

Re: Multiple Tax Lots from Reinvesting Dividends

I personally just reinvest dividends and use average cost basis. Is it optimal? No but I've got better things to worry about than squeezing a few more dollars from my accounts. If I ever have to make a transaction thats big enough or when equities tank I might look into specific lots.
by barnaclebob
Tue Mar 04, 2014 6:07 pm
 
Forum: Investing - Theory, News & General
Topic: Multiple Tax Lots from Reinvesting Dividends
Replies: 20
Views: 682

Re: Recharacterize Roth as backdoor Roth?

It is likely I will be in the phaseout this year too but already had made my 2014 roth contribution. I recharacterized it to a tIRA then converted it back to a Roth. I didn't have any other pretax IRA's. If you do this you'll have to pay taxes on any gains, not sure what happens if there are losses....
by barnaclebob
Tue Mar 04, 2014 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recharacterize Roth as backdoor Roth?
Replies: 2
Views: 155

Re: You know you're a Boglehead when ...

You drive a beat up 18 year old honda civic with 300k + miles. You shutter at the thought of your son or daughter helping their girl/boyfriend or fiance in any way financially. You wouldn't dream of spending $5,000 on a watch. You only cook on a cast iron skillet Your tongue gets injured every time ...
by barnaclebob
Mon Mar 03, 2014 11:12 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 86
Views: 5126

Re: Want to buy but can't find the "right" vehicle - what to

What SUV's have you looked at and what didn't you like about them?

Do you have problems with committing in general?
by barnaclebob
Mon Mar 03, 2014 11:03 pm
 
Forum: Personal Consumer Issues
Topic: Want to buy but can't find the "right" vehicle - what to do?
Replies: 74
Views: 3394

Re: VIN Etching on Auto glass

When my dad bought a car awhile ago the windows already came etched from the factory but the dealership tried to sell him on having the VIN "registered" in some kind of database. I think they wanted $100 for it, he didn't go for it.
by barnaclebob
Sun Mar 02, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: VIN Etching on Auto glass
Replies: 14
Views: 860

Re: Bitcoins as investment

This is the end of bit coin as a substitute for currency backed and regulated by sovereign governments. Why would anyone except criminals use a private currency that has no backing of its "assets" which only exist in software code as 1s and 0s? It may be the beginning of the end, but it c...
by barnaclebob
Fri Feb 28, 2014 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bitcoins as investment
Replies: 190
Views: 10549

Re: Any indoor seed starters?

I only start veggies, no point growing anything that doesn't give back to you IMO. Asthetics of flowers are great but not worth the work for me. I've got lettuce, brussel sprouts, and spinach sprouted under lights right now. Most other cool weather crops are getting planted this weekend. Hard to bel...
by barnaclebob
Fri Feb 28, 2014 4:53 pm
 
Forum: Personal Consumer Issues
Topic: Any indoor seed starters?
Replies: 30
Views: 1441

Re: Vanguard Tot Intl and Emerging Markets just got cheaper

How many Starbucks grande drips is that a year? 0.0002 x $100,000 = $20 = 10 grandes (@ $2 per). Once you have $1 million in Total International, it starts to add up. It's my biggest single holding, so my overall ER went from .096 to .091. Very noticeable. Yeah, that extra $50 per 1MM must really c...
by barnaclebob
Thu Feb 27, 2014 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Tot Intl and Emerging Markets just got cheaper
Replies: 49
Views: 4398

Re: Any indoor seed starters?

Here is a good reference for seed starting: http://www.nwedible.com/?s=seed+starting the one on grow lights vs windowsill is especially enlightening but maybe if you live further south where there is more sun the difference wouldn't be as great. I live in her region and start my vegetables under gro...
by barnaclebob
Wed Feb 26, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Any indoor seed starters?
Replies: 30
Views: 1441

Re: Vacuum cleaner advice

I like my oreck, dysons feel really flimsy.
by barnaclebob
Tue Feb 25, 2014 6:17 pm
 
Forum: Personal Consumer Issues
Topic: Vacuum cleaner advice
Replies: 34
Views: 1895

Re: Bitcoin price plunges

nisiprius wrote:The price chart at blockchain.info now shows the price as having been precisely $558 for fourteen consecutive days.


I think its more likely that something is wrong with blockchain.info. bitcoincharts.com and the newly created winkdex.com have been updating just fine.
by barnaclebob
Tue Feb 25, 2014 11:27 am
 
Forum: Investing - Theory, News & General
Topic: Bitcoin price plunges
Replies: 246
Views: 17957

Re: What do you do with index funds when...

If that is your reasoning, why did somebody make that mistake then? You said of course, so that means to the obvious person, that they shouldn't buy and hold. Yet what I am referring to is that the person who held 10,000 only got up to 12,000 in 15 years. "Buy and Hold" strategy is very p...
by barnaclebob
Fri Feb 21, 2014 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: What do you do with index funds when...
Replies: 49
Views: 1780

Re: Leaving a small amount of student debt for child to pay

As long as you let the child know what the deal is upfront I guess its fine. But if you tell them they can go wherever they want, will pay for it and then expect them to pay for it that wouldn't be fair.
by barnaclebob
Fri Feb 21, 2014 6:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leaving a small amount of student debt for child to pay off?
Replies: 45
Views: 2648

Re: What do you do with index funds when...

No I am trying to say buy and hold (meaning essentially buying and forgetting about the account) doesn't work over the long run. Meaning you never contribute to your account again. Of course it doesn't make as much money as making the correct stock picks or successful market timing, what is your po...
by barnaclebob
Fri Feb 21, 2014 6:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: What do you do with index funds when...
Replies: 49
Views: 1780
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