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Re: Newer washing machine freaks out dog

Our new top-loader vibrated like mad. I solved the problem by wedging a paperback book between the washer and the dryer, at the base. End of vibration. Odd solution, but it worked. You can change the resonant frequency by adding mass or changing the stiffness. Adding the book essentially did the la...
by barnaclebob
Tue Jan 27, 2015 10:19 pm
 
Forum: Personal Consumer Issues
Topic: Newer washing machine freaks out dog
Replies: 25
Views: 1094

Re: Newer washing machine freaks out dog

I vote for working on training with the dog. Things like comforting the dog like you would a scared child can actually reinforce the undesired behavior.
by barnaclebob
Tue Jan 27, 2015 5:48 pm
 
Forum: Personal Consumer Issues
Topic: Newer washing machine freaks out dog
Replies: 25
Views: 1094

Re: Bank adviser did some terrible advising...Help please

She can never "get that money back" all she can do is invest it properly from now on and consider it tuition paid for investing knowledge. Nobody can predict when oil prices will rise if that's what mainly effects the mutual funds she is invested in. How much money are we talking? The cons...
by barnaclebob
Tue Jan 27, 2015 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bank adviser did some terrible advising...Help please
Replies: 25
Views: 1513

Re: Ketogenic Diet anyone?

Fancy fad diets aimed at making you lose weight are a way for most people to ignore the fact that they are too lazy to exercise enough.
by barnaclebob
Tue Jan 27, 2015 10:28 am
 
Forum: Personal Consumer Issues
Topic: Ketogenic Diet anyone?
Replies: 22
Views: 999

Re: Seeking a financial adviser

I'd never trust a top 100 list of any profession in any magazine since they likely paid to get on that list.
by barnaclebob
Mon Jan 26, 2015 10:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking a financial adviser
Replies: 8
Views: 599

Re: What Experts Say about $5,000 watches

I hereby suggest this thread be merged with the other $5,000 watch thread since everyone is just repeating the same things.
by barnaclebob
Mon Jan 26, 2015 10:25 am
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 906
Views: 172766

Re: Grandfather wanting to transfer portfolio to kids. Ques

Oh brother! This hits a sore spot with me. Our kids want to tell us what we ought to be doing with our money. Yet none of them have saved even a 5th of the amount we have. They don't like our investments. Forget that they will inherit more money than they will ever make in their lifetimes. This sor...
by barnaclebob
Fri Jan 23, 2015 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Grandfather wanting to transfer portfolio to kids. Question
Replies: 67
Views: 3054

Re: I just took back my retirement $ - what should I do with

For now (and possibly forever) you can put it into a balanced fund of your appropriate risk tolerance so its not sitting out of the market for too long. If the money was in the market before you transferred it there is no reason not to put it all in the market immediately. Vanguard LifeStrategy Cons...
by barnaclebob
Fri Jan 23, 2015 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: I just took back my retirement $ - what should I do with it?
Replies: 4
Views: 1397

Re: Grandfather wanting to transfer portfolio to kids. Ques

What happens if your mother cannot demonstrate the required skill that your grandfather demands? You should be very careful to not transfer any of the actual stocks to any descendants because they wont get the step up in basis. Has your grandfather given any directions on his strategy or does your m...
by barnaclebob
Fri Jan 23, 2015 12:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Grandfather wanting to transfer portfolio to kids. Question
Replies: 67
Views: 3054

Re: Pick Your Poison [Vanguard vs. American Funds]

I find that many american funds when you look at the since inception chart there is a huge overperformance relative to the index but in the past 10 years or so their size has become so big that they have become closet index funds and matched or fallen behind. This is probably survivor bias in action...
by barnaclebob
Fri Jan 23, 2015 10:45 am
 
Forum: Investing - Theory, News & General
Topic: Pick Your Poison [Vanguard vs. American Funds]
Replies: 24
Views: 3467

Re: Why all the fuss about wash sales?

My experience with a wash sale was when trying to tax loss harvest around $3000 of losses right at the end of the year as my only losses. I only got to claim around $2900 because the fund had paid out a dividend within 30 days of the sale and the amount of the dividend was subtracted from my TLH sal...
by barnaclebob
Fri Jan 23, 2015 9:57 am
 
Forum: Investing - Theory, News & General
Topic: Why all the fuss about wash sales?
Replies: 4
Views: 659

Re: Parents transferring stock--what to do?

Are they even open to the idea of keeping it and giving it to you as inheritance? Do you actually need this money? How angry would they be if you sold it, paid the gains and invested it elsewhere? Would they take that as an insult? If the stock pays dividends would you be able to keep those or would...
by barnaclebob
Fri Jan 23, 2015 9:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Parents transferring stock--what to do?
Replies: 12
Views: 739

Re: VWINX

I predict you will gain no useful information from this thread as it involves people guessing which will do better.
by barnaclebob
Thu Jan 22, 2015 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWINX [Vanguard Wellesley]
Replies: 10
Views: 1187

Re: Ask plumber to pay for damages?

What exactly does dewinterizing normally entail for those of us aren't familiar with the process?
by barnaclebob
Thu Jan 22, 2015 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Ask plumber to pay for damages?
Replies: 12
Views: 1868

Re: Vanguard too successful?

You can't really call being deliberately slightly above average a fad IMO. Kind of like casinos taking advantage of the law of large numbers is a fad.
by barnaclebob
Wed Jan 21, 2015 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard too successful?
Replies: 13
Views: 2127

Re: Ethics of an advisor "handing you off" to a colleague

Would you be upset when your "car advisor" doesn't help you out when you aren't in the market for a new car? Its time to learn about investing for yourself and come to peace with all of the money you have paid this salesman. He likely only makes money from your sales loads, 12b-1 fees or i...
by barnaclebob
Wed Jan 21, 2015 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ethics of an advisor "handing you off" to a colleague
Replies: 38
Views: 2906

Re: Boglehead Beer

There are so many good beers on the market now that its easier to remember the ones that I don't like. Instead of picking by the label, try picking one from a city you have never heard of (or been to etc) in a style you like.
by barnaclebob
Tue Jan 20, 2015 5:43 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 475
Views: 67239

Re: Adjusted Closing Price

morningstar.com gives total returns and leaves the dividends in.
by barnaclebob
Tue Jan 20, 2015 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: Adjusted Closing Price
Replies: 29
Views: 1337

Re: First backdoor Roth. Very simple question...I think

kaneohe wrote:There is a limit on annual contributions. There is no limit on conversions so there should not be any penalties.


I may have been getting something confused with the mega backdoor roth conversion...
by barnaclebob
Tue Jan 20, 2015 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: First backdoor Roth. Very simple question...I think
Replies: 5
Views: 358

Re: First backdoor Roth. Very simple question...I think

You'll want to convert the total. You will have to pay taxes and possibly penalties on the $73, not a big deal IMO. Next year you can put the money in a money market fund to avoid having gains or losses
by barnaclebob
Tue Jan 20, 2015 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: First backdoor Roth. Very simple question...I think
Replies: 5
Views: 358

Re: How much does a large payment reduce mortgage

Don't forget to account for the loss of the tax dedcution for the mortgage interest paid. This calculation isn't as simple as it seems for a true apple to apples comparison. Many people assume that your "real" mortgage rate is (mortgage rate)*(1-marginal tax rate) for example 3.875*(1-.25...
by barnaclebob
Fri Jan 16, 2015 9:37 am
 
Forum: Personal Finance (Not Investing)
Topic: How much does a large payment reduce mortgage
Replies: 34
Views: 2674

Re: How much food to you really keep?

We probably have a 4 weeks of meat in stock right now. It gets up to 3 months right after a costco restock. Seems kind of ridiculous but they have good quality meat at decent prices. It all gets vac packed so quality doesn't suffer. There is absolutely nothing in my freezer that is saved with no act...
by barnaclebob
Thu Jan 15, 2015 12:05 pm
 
Forum: Personal Consumer Issues
Topic: How much food to you really keep?
Replies: 57
Views: 4169

Re: Visa Black card, not bad after all?

Aww man, I thought I was special. Just got my "invitiation" to spend $500 + 200 per year for the wife last night.
by barnaclebob
Thu Jan 15, 2015 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Visa Black card, not bad after all?
Replies: 8
Views: 1858

Re: Mobile check deposit from Vanguard

Has anyone else had trouble with this lately? I finally had a reason to deposit two checks. The first one worked great but the second won't go through. Tried calling the number suggested by the error message but it was of no real help. My wife gets the same error. Both were below $10k. What was the...
by barnaclebob
Wed Jan 14, 2015 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: New mobile check deposit from Vanguard
Replies: 20
Views: 3905

Mobile check deposit from Vanguard

Has anyone else had trouble with this lately? I finally had a reason to deposit two checks. The first one worked great but the second won't go through. Tried calling the number suggested by the error message but it was of no real help. My wife gets the same error. Both were below $10k.
by barnaclebob
Wed Jan 14, 2015 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: New mobile check deposit from Vanguard
Replies: 20
Views: 3905

Re: Sellers Won't Fix Leaking Roof; Fear of Additional Damag

Looks like your options are to walk and lose earnest money or be prepared to spend more every time you do a renovation in the areas that are water damaged due to possible mold mitigation. I hope this is otherwise a really nice and unique house or bought at a discount if its run of the mill. Its like...
by barnaclebob
Wed Jan 14, 2015 9:15 am
 
Forum: Personal Consumer Issues
Topic: Sellers Won't Fix Leaking Roof; Fear of Additional Damage
Replies: 50
Views: 4406

Re: Need help informing my father he is making a mistake

I think most of the "don't say anything" camp says to keep quiet because people take money decisions and mistakes personally (as they should) and people don't like admitting they have made a mistake and will attack the messenger to avoid doing so. Couple this with the fact that many belief...
by barnaclebob
Mon Jan 12, 2015 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help informing my father he is making a mistake
Replies: 58
Views: 4914

Re: Need help informing my father he is making a mistake

Your best bet may be to have a conversation about if he is satisfied with taking what the market gives. If he just says that he would be fine with that then you can bring up the costs of trying to beat the market with added downside risk. I think a lot of people just assume that high fees are part o...
by barnaclebob
Mon Jan 12, 2015 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Need help informing my father he is making a mistake
Replies: 58
Views: 4914

Re: Frontier Communications - Horrible Experiences

I never had many technical issues with Frontier, the internet was always fast and not many outages. However their customer service is the worst I have ever dealt with. Each individual CSA was fine but their system was set up by idiots. I found the best way to deal with them is via online chat so tha...
by barnaclebob
Sun Jan 11, 2015 2:36 pm
 
Forum: Personal Consumer Issues
Topic: Frontier Communications - Horrible Experiences
Replies: 9
Views: 1386

Re: Planning across 401k and Roth IRA ?

I have a good 401k that I set to auto balance and my roth money is in a TR fund. They are both treated independently. Is it ideal? I don't know but I don't lose sleep over it. I own some bonds and wellesely in taxable too though... :shock: As my wife and I need to increase bond allocation I will pro...
by barnaclebob
Fri Jan 09, 2015 1:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Planning across 401k and Roth IRA ?
Replies: 8
Views: 888

Re: What kind of financial advisor is 100% active?

Most FA's put their clients in expensive funds and programs because that's what their company tells and incentivizes them to do. In a majority of cases i'm guessing FA's are not going to be featured on American Greed anytime soon but to make their living they have to do what the company flows down. ...
by barnaclebob
Fri Jan 09, 2015 1:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: What kind of financial advisor is 100% active?
Replies: 16
Views: 961

Re: Vanguard Flagship

I believe you have to have the money invested directly with vanguard not through a third party.
by barnaclebob
Thu Jan 08, 2015 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Flagship
Replies: 5
Views: 1336

Re: What to do with my stupid losses?

I'd sell them now and move on. If you wait until the end of the year depending on how the stock is trading it can take weeks for an order to go through and you may miss the deduction for 2015. If it goes bankrupt then its even harder to sell and there are more requirements for deducting a loss for a...
by barnaclebob
Wed Jan 07, 2015 2:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with my stupid losses?
Replies: 16
Views: 1531

Re: Help with financial planning - Spouse died in Nov

Sorry for you loss. Do you have a proper emergency fund? If not keep 6 months to a years expenses in a safe money market or high yield savings account. I'm not familiar with aspects of the rest of your situation to be of any good help but to learn about investing you can read the wiki and ask some m...
by barnaclebob
Wed Jan 07, 2015 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with financial planning - Spouse died in Nov
Replies: 9
Views: 1216

Re: Would you pay for this level of (bad) service?

If they won't honor the warranty, the next thing I would attempt is a credit card dispute followed by complaints to the BBB and what not. The BBB doesn't have any real authority but some businesses will give you what you want just to not have a report on their site. After that chalk it up to one of ...
by barnaclebob
Tue Jan 06, 2015 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Would you pay for this level of (bad) service?
Replies: 26
Views: 3083

Re: Cancelled flight - Mechanical issues

If you had canceled the unused segment of your flight you might have gotten some of that money back. Read the contract of carriage, that's all that matters at this point.
by barnaclebob
Tue Jan 06, 2015 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Cancelled flight - Mechanical issues
Replies: 12
Views: 2499

Re: Back door roth issue with Vanguard

I didn't have this issue. I just exchanged the 5500 sitting in the tIRA money market to the correct funds in the roth. Using the exchange option is the right way to do it, correct? It gave me messages about conversions and taxes so I assumed so.
by barnaclebob
Tue Jan 06, 2015 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Back door roth issue with Vanguard
Replies: 19
Views: 1209

Re: Inflatable hot tub

Sounds like a pain in the rear. Is it meant to be set up semi permanently?
by barnaclebob
Mon Jan 05, 2015 8:08 pm
 
Forum: Personal Consumer Issues
Topic: Inflatable hot tub
Replies: 10
Views: 1455

Re: Vanguard sets record funds inflow, has $3.1 trillion ass

I love seeing the tide turn against expensive investment firms. I wonder how they will combat it, fear campaigns with retired NFL quarterbacks can only go so far.

https://www.youtube.com/watch?v=RqTm-Tgw0kk
by barnaclebob
Mon Jan 05, 2015 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard sets record funds inflow, has $3.1 trillion assets
Replies: 39
Views: 2845

Re: Where does someone in their mid-20s with $5000 start?

I have a friend your age who invests a few grand at a time in high risk investments because he doesn't want to invest in a "safe" mutual fund that "Grandpa Hank" uses for a safe retirement. He's had some modest wins, a couple big losses and has broken even once. He even watched o...
by barnaclebob
Sun Jan 04, 2015 5:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where does someone in their mid-20s with $5000 start?
Replies: 30
Views: 2581

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

1918.03

The good times can't keep rolling forever...
by barnaclebob
Fri Jan 02, 2015 10:53 am
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19738

Re: Vacuum Food Sealers - Love it or gimmick?

I have a Weston sealer and believe its a huge step up from a foodsaver but haven't actually used a food saver. Cabelas sells a re branded version of it but it doesn't have the clear lid anymore which is a big step down. The Weston is spec'ed at 28inHG while videos of a foodsaver show it only going t...
by barnaclebob
Tue Dec 23, 2014 1:33 pm
 
Forum: Personal Consumer Issues
Topic: Vacuum Food Sealers - Love it or gimmick?
Replies: 23
Views: 3080

Re: Disappointed with sale items

Yep, sale items were likely never intended to be sold at full price.
by barnaclebob
Fri Dec 19, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Disappointed with sale items
Replies: 22
Views: 2734

Re: Advice for Contractor Payment

No way in heck I'd pay anything without a contract signed with a start date. Also I'd only pay by credit card if the start date was within a month or two. It costs them nothing to have you on a waiting list for free for any longer than that.
by barnaclebob
Fri Dec 19, 2014 1:15 pm
 
Forum: Personal Consumer Issues
Topic: Advice for Contractor Payment
Replies: 5
Views: 561

Re: PSA: Distributions -- Why your fund dropped

I forgot to change the dividend reinvestment from a fund that I no longer own...$15-$20 in extra taxable income for me this year... How does the dividend reinvesment affect your taxable income? Gill I had a dividend set to go from one fund to a fund that I don't own anymore due to TLH purposes. I a...
by barnaclebob
Thu Dec 18, 2014 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: PSA: Distributions -- Why your fund dropped
Replies: 14
Views: 1415

Re: PSA: Distributions -- Why your fund dropped

I forgot to change the dividend reinvestment from a fund that I no longer own...$15-$20 in extra taxable income for me this year due to today's gains...
by barnaclebob
Thu Dec 18, 2014 12:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: PSA: Distributions -- Why your fund dropped
Replies: 14
Views: 1415

Re: Denver area ski in/out lodging?

A 7 and 8 year old should be able to carry their own skis 200 yards at least.
by barnaclebob
Thu Dec 18, 2014 10:42 am
 
Forum: Personal Consumer Issues
Topic: Denver area ski in/out lodging?
Replies: 22
Views: 1418

Re: Ski questions from a Southerner

I would take a half day lesson or maybe just 2 hours then spend the rest of the day falling down on the beginner hills. There are companies that rent ski clothes, not sure if they are near the resort you are going to.
by barnaclebob
Wed Dec 17, 2014 8:52 pm
 
Forum: Personal Consumer Issues
Topic: Ski questions from a Southerner
Replies: 42
Views: 4935

Re: Taking advantage of 15% tax bracket

You'll want to make sure you don't violate wash sale rules but they may only apply to a purchase and then sale within 30 days. I don't remember them off the top of my head. I'd use an S&P 500 index fund to hold the money if wash sale rules apply and be ready to pay the tax on any gains that migh...
by barnaclebob
Wed Dec 17, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taking advantage of 15% tax bracket
Replies: 6
Views: 1108

Re: Bitcoin: The worst investment in 2014

I wonder if the current exchange rate, which has been about the same since October, is the new normal or if it'll keep plummeting. $600 was "the new normal" for about 2-3 months starting in June... Wow, somebody here is not a believer in decentralized virtual currencies backed by virtuall...
by barnaclebob
Tue Dec 16, 2014 5:21 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin: The worst investment in 2014
Replies: 17
Views: 2268
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