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Re: Which debt to tackle first?

If it were me I'd knock out the car loan and start saving what you would be paying for your next car. Then tackle your student loans so you are down to just your mortgage and the deferred loans. Then start tackling the deferred loans with what you were paying on your student loans.
by barnaclebob
Wed Sep 17, 2014 4:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which debt to tackle first?
Replies: 19
Views: 899

Re: Converting Taxable Account Assests to Roth

If doing the transaction on vanguard you do it as an exchange. Its all one operation. Its taxed no differently than if you sold $5500 worth of mutual funds from a taxable account, deposited it to your checking account, and then contributed it to a roth IRA.
by barnaclebob
Wed Sep 17, 2014 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Converting Taxable Account Assests to Roth
Replies: 4
Views: 252

Re: Roth help

Thank you all, you are most helpful. In answer to your question(s) the current TIRA is split into 4 different funds. The plan is to liquidate all of them (1 at a time). The other part that I believe you answered is that even my current American fund is loaded and there is no going around it. 2 addi...
by barnaclebob
Wed Sep 17, 2014 2:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth help
Replies: 14
Views: 499

Re: Do you plan trips on your own or use a TA?

TA is probably a more common acronym for TripAdvisor.com these as travel agents die off with the rest of the baby boomers. I highly recommend using TripAdvisor. I used a travel agent once for my honeymoon and probably wont again. I ended up using tripadvisor for most of my research and she just ende...
by barnaclebob
Wed Sep 17, 2014 1:10 pm
 
Forum: Personal Consumer Issues
Topic: Do you plan trips on your own or use a [travel agent]?
Replies: 32
Views: 1010

Re: Roth help

Buying an American Fund (or any loaded fund) is no better than burning your money. I'm guessing you bought the fund through a salesman like Edward Jones? If so he is required to put you into these high load funds so he and the company get a kickback.
by barnaclebob
Wed Sep 17, 2014 10:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth help
Replies: 14
Views: 499

Re: EJ Gadflies [Edward Jones]

My mom/stepdad's Edward Jones scumbag showed up at my grandfathers funeral...he knew my mom was about to get a mid 6 figure inheritance...Luckily I think I convinced them to keep it out of Edward Jones' claws by showing them what the 5.75% front load would cost them.
by barnaclebob
Wed Sep 17, 2014 9:49 am
 
Forum: Personal Finance (Not Investing)
Topic: EJ Gadflies [Edward Jones]
Replies: 50
Views: 4405

Re: Buying a bounce house for personal use?

Does that work as well as a professional one? After reading the reviews it seems like it might be pretty good.
by barnaclebob
Tue Sep 16, 2014 10:35 am
 
Forum: Personal Consumer Issues
Topic: Buying a bounce house for personal use?
Replies: 19
Views: 1108

Re: Should I step in to help my in law pay off credit card d

If this is a one off event for your mother in law, then paying off the CC for her is merely an act of kindness. It is always good to show kindness and compassion. Pay it off for her. Pets are children to some people. I'd bankrupt myself to help one of my pets. It's not like she blew it on jewelry. ...
by barnaclebob
Mon Sep 15, 2014 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I step in to help my in law pay off credit card debt
Replies: 31
Views: 2454

Re: Good hobby for a bright/obsessive 9 year old?

Radio controlled airplanes, built from a kit. He may need a parent to help with that though. Learning how to build anything is a good life long skill.
by barnaclebob
Mon Sep 15, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 73
Views: 2832

Re: Tiny house movement.

I think the tiny houses really only work if you can be where the weather is good. You and your kids will go nuts if the weather is too terrible to go outside for any length of time. Also i can't see how there would be much privacy for anyone in one of these things. They would work great for a couple...
by barnaclebob
Mon Sep 15, 2014 10:44 am
 
Forum: Personal Consumer Issues
Topic: [can my family live in a] Tiny house
Replies: 53
Views: 3106

Re: How would you handle this situation ?

She could just say "I can't commit to 14 additional nights out but will attend as my schedule allows"
by barnaclebob
Fri Sep 12, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: How would you handle this situation ?
Replies: 33
Views: 2430

Re: Refrigerator problem

Have you cleaned the dust off the coils recently? Cleaning coils of the refrigerator is a myth. Do a google search. It does nothing to save energy or to make the refrigerator run more efficiently. It does help, there is no doubt about that. But depending on how dirty your fridge is and how much pow...
by barnaclebob
Fri Sep 12, 2014 10:56 am
 
Forum: Personal Consumer Issues
Topic: Refrigerator problem
Replies: 14
Views: 957

Re: Is there a "catch" in this Xfinity offer ?

You really shouldn't have a comcast.net or att.net email address for this very reason. Get out of the stone age and get a gmail account.
by barnaclebob
Fri Sep 12, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: Is there a "catch" in this Xfinity offer ?
Replies: 23
Views: 1542

Re: invest in this 401K or not

Why are you freaking out about $54 a year in fees? The real concern is: Participant MA Morningstar(MS) Fee* 13.00 bps Advice Track Fees Annually charged monthly Participant MA Wells Fargo(WF) Fee* 50.00 bps Advice Track Fees Annually charged monthly Do you know if you are paying these? Also in your ...
by barnaclebob
Thu Sep 11, 2014 4:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: invest in this 401K or not
Replies: 22
Views: 942

Re: Hiring your kids

I get what you are saying but that does bring up an interesting point. Can the government really dictate what you can pay someone? As long as you are paying all the payroll taxes and the person is issued a W2 it seems you should be able to pay them what you want. The government isn't dictating what...
by barnaclebob
Wed Sep 10, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hiring your kids
Replies: 34
Views: 2076

Re: The daddy of all grill islands

Just pick the one with the biggest knobs.
by barnaclebob
Mon Sep 08, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: The daddy of all grill islands
Replies: 35
Views: 2715

Re: Where can I go to get a signature guarantee or Medallion

Call another branch, if they wont do it, switch banks.
by barnaclebob
Fri Sep 05, 2014 4:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where can I go to get a signature guarantee or Medallion sig
Replies: 21
Views: 1222

Re: Principal Protection

You may be trading investment risk with inflation risk? What % inflation did you assume when determining if you have enough money?
by barnaclebob
Fri Sep 05, 2014 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Principal Protection
Replies: 44
Views: 2025

Re: Thailand/Cambodia Travel Recommendations

younginvestor wrote:Kho Phi Phi


Kho Phi Phi isn't as good as Railey. Went to both and I wouldn't go back to Kho Phi Phi. Would definitely go back to Railey though. I guess maybe Kho Phi Phi is better if you are on a Bro trip.
by barnaclebob
Fri Sep 05, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: Thailand/Cambodia Travel Recommendations
Replies: 22
Views: 1331

Re: Own individual stocks? Advisor recommends 20% in blue ch

Ask your advisor how they plan to get you out of the market at the high and back in at the lows and what the consequences are for being wrong. How much of a dip does it have to be before they act? 5%, 10%, 20%, or is it 50%? My guess is that they will say its based on a complicated set of factors, y...
by barnaclebob
Fri Sep 05, 2014 9:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Own individual stocks? Advisor recommends 20% in blue chips?
Replies: 38
Views: 2645

Re: Home Depot Breach - zip codes revealed

This really isn't the fault of the CC companies or banks. They aren't the ones responsible for your card data being stolen and are actively trying to prevent you from being inconvenienced by fraudulent charges. Believe me, banks want to stop this more than anything else right now. They are the ones...
by barnaclebob
Thu Sep 04, 2014 6:10 pm
 
Forum: Personal Consumer Issues
Topic: Home Depot Breach - zip codes revealed
Replies: 36
Views: 4673

Re: Home Depot Breach - zip codes revealed

When will US credit card companies learn and start requiring PIN numbers? It so stupid that consumers eventually end up paying for this nonsense.
by barnaclebob
Thu Sep 04, 2014 10:44 am
 
Forum: Personal Consumer Issues
Topic: Home Depot Breach - zip codes revealed
Replies: 36
Views: 4673

Re: does this (gardening?) tool exist?

How big are the trimmings?
by barnaclebob
Wed Sep 03, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: does this (gardening?) tool exist?
Replies: 9
Views: 1119

Re: Saving for Down Payment

I keep my general house maintenance/ car replacement money in total bond market. I wouldn't go any riskier than that and would probably lean closer to short term bonds only. Many here will say to go with CD's or just a money market, nothing wrong with that either. If you are ok waiting a few years l...
by barnaclebob
Tue Sep 02, 2014 6:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for Down Payment
Replies: 11
Views: 911

Re: Colleague being fleeced by insurance agent / Ponzi Schem

Its not a ponzi scheme, your colleague is just taking the agent's word for how good the investment is without reading the details. "term life is just paying another bill, whole life is something that gains value over time and leads to financial security"
by barnaclebob
Tue Sep 02, 2014 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Colleague being fleeced by insurance agent / Ponzi Scheme?
Replies: 54
Views: 5122

Re: Fantasy football debt owed

leonard wrote:Makes no sense. Betting on the underlying game - football - is gambling. But, betting on a game derived from stats from that game isn't gambling? Sorry.


I believe the spread or odds takes the "skill" out of it in betting on the game.
by barnaclebob
Tue Sep 02, 2014 3:31 pm
 
Forum: Personal Consumer Issues
Topic: Fantasy football debt owed
Replies: 27
Views: 1969

Re: Is a college degree really worth what it costs?

Not sure I really trust those numbers. For instance the ROI assumes you don't reinvest your "dividends"
by barnaclebob
Tue Sep 02, 2014 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is a college degree really worth what it costs?
Replies: 33
Views: 1816

Re: Fantasy football debt owed

Get over it. Don't join leagues with poor money controls unless you know that teams that don't pay get suspended after a certain deadline. Anyone that "owes" the $50 is never going to pay if they haven't yet and the commissioner isn't going to hound them for the money this late. Your best ...
by barnaclebob
Tue Sep 02, 2014 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Fantasy football debt owed
Replies: 27
Views: 1969

Re: Zwilling Cookware (non-stick)?

This forum is very pro cast iron and anti non stick...lol (but I agree)

Get ready to have people lose all respect for you and question your life choices due to your selection of cookware.
by barnaclebob
Tue Sep 02, 2014 10:03 am
 
Forum: Personal Consumer Issues
Topic: Zwilling Cookware (non-stick)?
Replies: 10
Views: 803

Re: If you had an extra $100,000

I'd buy you an exotic pet (Like a llama or an emu)
by barnaclebob
Fri Aug 29, 2014 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 68
Views: 7181

Re: What's "The Herd" doing today?

I think a lot of the herd got the mentality that the stock market is rigged and didn't want any part of it after 2008. Now that feeling is wearing off as people see the massive gains they have missed out on. The evidence is the "I've had 500k sitting in the bank afraid of getting into the marke...
by barnaclebob
Wed Aug 27, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: What's "The Herd" doing today?
Replies: 52
Views: 3505

Re: Husband rear-ended, driver ignoring his insurance

Will the repair place make you pay up front or do they just not give you the car back until you pay? If so then you have a bit of a buffer. In any case there is nothing stopping you from getting estimates at the state farm recommended repair places. If the estimates are high enough they could just t...
by barnaclebob
Tue Aug 26, 2014 2:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5059

Re: Zegna Suits

Guys and gals, no one has even asked the op the right question yet to figure out if he is spending too much on his outfit. OP, How much will the watch you will be wearing cost? I wouldn't want to be seen in with anything less than a 5k watch in a 5k outfit to be honest. Otherwise it would be like pa...
by barnaclebob
Tue Aug 26, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 9478

Re: Is it me, or are "collectibles" worthless in 2014?

Another mistake people make is thinking that a collection of 250 items that actually resell for $20 each is worth $5000 when it is actually worth much less in most cases unless its a complete set or something like that. Ebay is no longer lucrative for most people because you are competing with peopl...
by barnaclebob
Mon Aug 25, 2014 10:22 am
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6142

Re: Good place to buy eyeglasses without insurance?

i know zenni optical (online) has some cheap options. Edit: Warby Parker was who had the try at home option. Can you wear your old pair until your insurance cycle starts over? Just got new glasses from lenscrafters, it was about $350-400 per pair before insurance reimbursement but they were running ...
by barnaclebob
Thu Aug 21, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Good place to buy eyeglasses without insurance?
Replies: 39
Views: 2508

Re: When did you hear of Bill Miller and Legg Mason Value Tr

Along with this kind of poll i wish there was some kind of way to see a funds performance over time along with the market cap of the fund. It would be huge ammo to use in the arguments about funds that outperform over long periods of time if you can show that in reality very few investors were on bo...
by barnaclebob
Wed Aug 20, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: When did you hear of Bill Miller and Legg Mason Value Trust?
Replies: 32
Views: 2345

Re: Would you buy these funds that were recommended?

He charges an upfront fee to do yearly financially planning. We are trying to decide if we want to pay it and move ahead. He also charges an overall low percentage to manager the funds about 1% vs someone who pretends to charge less and then picks all the most expensive funds on the market to maxim...
by barnaclebob
Wed Aug 20, 2014 11:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Would you buy these funds that were recommended?
Replies: 30
Views: 1512

Re: Reducing time spent paying bills

All on automatic payment. Billing mistakes are uncommon and you can go back and check if you see an unusual charge.
by barnaclebob
Wed Aug 20, 2014 10:31 am
 
Forum: Personal Consumer Issues
Topic: Reducing time spent paying bills
Replies: 25
Views: 1747

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: 102
Views: 8082

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: 4170

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: 3947

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: 1011

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: 1245

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: 472

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: 472

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: 472

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: 2217

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: 3066

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: 1034
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