Search found 893 matches

by barnaclebob
Mon Aug 31, 2015 1:02 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 238
Views: 26237

Re: What are Costco's best deals?

I'm going to put off this year's renewal just in case the same deal comes around again. B Beware that your new membership start date will be retroactive to the expiration date of the previous year's membership. Otherwise everyone would just wait to renew until their next visit after the previous on...
by barnaclebob
Sat Aug 29, 2015 1:41 pm
Forum: Personal Consumer Issues
Topic: Lawn Mower Repair
Replies: 30
Views: 1416

Re: Lawn Mower Repair

What was the specific problem and what did they do to fix it. When you search for ethanol and small engines you get all kinds of responses from it will destroy them in weeks to no problems in XX years. Most newer engines should be ok to handle the ethanol so don't believe the stories until you do s...
by barnaclebob
Fri Aug 28, 2015 12:01 pm
Forum: Personal Consumer Issues
Topic: Cheap Single Security Camera
Replies: 3
Views: 432

Re: Cheap Single Security Camera

I have 4 foscams that I can view on my cell phone (yay for grandfathered ATT unlimited data plans) and am satisfied with them. They can be configured several different ways and the models that i bought have SD card slots for storage. I'm not sure if they HAVE to be plugged into a router to record to...
by barnaclebob
Fri Aug 28, 2015 11:47 am
Forum: Personal Consumer Issues
Topic: Lawn Mower Repair
Replies: 30
Views: 1416

Re: Lawn Mower Repair

I heard synthetic oil causes your seals to start leaking too... :oops: You guys are rolling over too easy. If the mower is still under warranty for the type of repair that was performed the the manual or warranty would need to say that no ethanol gas or an additive is REQUIRED to honor the warranty....
by barnaclebob
Fri Aug 28, 2015 9:50 am
Forum: Personal Consumer Issues
Topic: Lawn Mower Repair
Replies: 30
Views: 1416

Re: Lawn Mower Repair

What was the specific problem and what did they do to fix it. When you search for ethanol and small engines you get all kinds of responses from it will destroy them in weeks to no problems in XX years. Most newer engines should be ok to handle the ethanol so don't believe the stories until you do so...
by barnaclebob
Thu Aug 27, 2015 8:38 am
Forum: Investing - Theory, News & General
Topic: Anybody questioning use of an advisor at this volatile time?
Replies: 19
Views: 2009

Re: Anybody questioning use of an advisor at this volatile time?

One role of an advisor is simply to prevent us from making emotion based behavioral mistakes at times like this. Myself, I think I'm quite disciplined with investing. Nonetheless, I use an advisor and have found that there has been some psychological benefit to the additional roadblock between me a...
by barnaclebob
Wed Aug 26, 2015 8:20 am
Forum: Personal Consumer Issues
Topic: Floss aversion
Replies: 44
Views: 5085

Re: Floss aversion

Get one of the Reach flossing things that looks kind of like a toothbrush.
by barnaclebob
Fri Aug 21, 2015 2:55 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 10145

Re: anyone treating this as an RBD (really bad day)

TLHed total international, should save me $300-$400 come tax time.
by barnaclebob
Thu Aug 20, 2015 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: A couple more questions....
Replies: 4
Views: 422

Re: A couple more questions....

I'm not sure how the dow index itself handles dividends but your share price of total stock market will not have to double because you will have more shares through dividends by the time your money doubles. Also Total stock market more closely follows the S&P 500 I think and the S&P only has...
by barnaclebob
Thu Aug 20, 2015 1:39 pm
Forum: Personal Consumer Issues
Topic: 2008 Honda Accord with only 10K miles. Any major service needed?
Replies: 47
Views: 3357

Re: 2008 Honda Accord with only 10K miles. Any major service needed?

This is faulty and dangerous thinking. Everything may be fine and dandy under normal driving and braking conditions. But there may be a time when you use your brakes in an emergency situation that causes the fluid to heat up far higher than normal. And then your brakes don't work and you crash. Thi...
by barnaclebob
Wed Aug 19, 2015 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Joining The Market
Replies: 5
Views: 639

Re: Joining The Market

How much is your savings relative to how much you expect to earn? If its small then invest it all at once since your savings rate is what is important.
by barnaclebob
Tue Aug 18, 2015 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving money in stocks
Replies: 18
Views: 2278

Re: Leaving money in stocks

If I had 7 figures that I truly didn't need it sure as heck wouldn't be sitting as a number on a computer screen, I'd be spending it. The problem with stocks is that you always need to be vigilant. If you think you can park it in Exxon, GE, P&G etc you could be in for some pain should those comp...
by barnaclebob
Tue Aug 18, 2015 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Company Directors Acquiring Stock
Replies: 12
Views: 1050

Re: Company Directors Acquiring Stock

There is no such thing as good news with a penny stock. One that my friend bought into (only a few hundred dollars) announced a reverse split after going no bid. People on its message board were saying that this was a good thing because it would bump the price up from .0001 to .05 and it would look ...
by barnaclebob
Mon Aug 17, 2015 6:29 pm
Forum: Personal Consumer Issues
Topic: Gardening 2015
Replies: 11
Views: 1194

Re: Gardening 2015

If the asparagus has been nice and bushy then that is probably normal. The stalks die off every year, when they turn completely brown you can cut them down to ground level.

Unless other things have being stolen from the garden I'd suspect animals before people.
by barnaclebob
Fri Aug 14, 2015 1:09 pm
Forum: Personal Consumer Issues
Topic: 2008 Honda Accord with only 10K miles. Any major service needed?
Replies: 47
Views: 3357

Re: 2008 Honda Accord with only 10K miles. Any major service needed?

Oh don't be a chicken little. Test the brakes somewhere by slamming them. This is standard procedure when evaluating a used car. I'll bet they are ok. This is bad advice, slamming on the brakes tells you very little about the state of the brake fluid, or even the pads and rotors in most cases. In f...
by barnaclebob
Fri Aug 14, 2015 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Where to Put a new car fund?
Replies: 8
Views: 883

Re: Where to Put a new car fund?

I keep my car fund in total bond market. If it drops a few % by the time I need it, big deal. I have to wait one or two more paychecks to replenish it. If the amount is larger relative to your income then you might want to dial down the risk to short term bonds at most.
by barnaclebob
Fri Aug 14, 2015 10:50 am
Forum: Investing - Theory, News & General
Topic: Backdoor Roth: How Long To Wait For Conversion?
Replies: 14
Views: 1512

Re: Backdoor Roth: How Long To Wait For Conversion?

I do it the next day. Do you really think 3 business days will give you additional safety?
by barnaclebob
Fri Aug 14, 2015 9:31 am
Forum: Personal Consumer Issues
Topic: Carry on luggage
Replies: 87
Views: 7072

Re: Carry on luggage

pezblanco wrote:I went with REI .... great return policy and guarantee.


not any more...
by barnaclebob
Fri Aug 14, 2015 8:46 am
Forum: Personal Consumer Issues
Topic: 2008 Honda Accord with only 10K miles. Any major service needed?
Replies: 47
Views: 3357

Re: 2008 Honda Accord with only 10K miles. Any major service needed?

Now, for brake fluid, yes, it's hygroscopic, meaning it absorbs water. However, I have an '05 with original brake fluid and the brakes feel fine to me. Not spongy at all. My inner mechanic wants to find reasons to do things to the car, but there's no evidence that the brake fluid has absorbed any w...
by barnaclebob
Fri Aug 14, 2015 8:29 am
Forum: Personal Consumer Issues
Topic: 2008 Honda Accord with only 10K miles. Any major service needed?
Replies: 47
Views: 3357

Re: 2008 Honda Accord with only 10K miles. Any major service needed?

For sure replace those tires. I'm suprised the place that rotated your tires didn't tell you to get them replaced. Also I'd have the brakes bled. Brake fluid absorbs water over time whether the car is in use or not. You could have the fluid tested for corrosion inhibitors and boiling point though......
by barnaclebob
Fri Aug 14, 2015 8:22 am
Forum: Personal Consumer Issues
Topic: Is Anybody Here An Ornithologist?
Replies: 29
Views: 2139

Re: Is Anybody Here An Ornithologist?

I had one of my chickens killed by a suspected hawk last year. Chickens are too big for them to fly off with so they just eat them where they kill them. All but the smallest pets are probably safe from the average hawk who isn't desperate for food. Dogs and Cats can put up more of a fight and are ri...
by barnaclebob
Thu Aug 13, 2015 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Your First Job
Replies: 113
Views: 6565

Re: Your First Job

I started working voluntarily after I was able to drive and got a car for my birthday. First as a bagger at a grocery store then as a checker when I turned 18 for $1/hour raise. I think if a kid has a car (or can get around with public tranportation/walking), even if they don't pay for it, they shou...
by barnaclebob
Thu Aug 13, 2015 4:46 pm
Forum: Personal Consumer Issues
Topic: Flower Garden/Landscape Bed Help
Replies: 8
Views: 563

Re: Flower Garden/Landscape Bed Help

Give a vegetable garden some thought, highly rewarding but can also be frustrating while you get the hang of it.

At the very least you could look into some edible landscaping like blueberries.
by barnaclebob
Thu Aug 13, 2015 10:10 am
Forum: Personal Consumer Issues
Topic: Maximizing space in a small house
Replies: 39
Views: 4071

Re: Maximizing space in a small house

Copious shelves in the garage are a huge help. I even built some that hang from the ceiling. I also refuse to not be able to park 2 cars in a 2 car garage in lieu of storage.
by barnaclebob
Thu Aug 13, 2015 9:09 am
Forum: Investing - Theory, News & General
Topic: 12yo son's investing class at school driving me nuts
Replies: 46
Views: 8548

Re: 12yo son's investing class at school driving me nuts

This is a great thread.

The true test is if the average student portfolio beats the total stock market. Of course that could backfire as well...
by barnaclebob
Tue Aug 11, 2015 1:01 pm
Forum: Investing - Theory, News & General
Topic: Front-End Loads: Are They Really THAT Big of a Deal?
Replies: 60
Views: 4523

Re: Front-End Loads: Are They Really THAT Big of a Deal?

There are many services such as betterment, wealthfront, or whatever vanguard has that provide allocation advice and rebalancing for much less than an advisor. Some advisors bundle tax advice and estate planning which can be value added if they are good but its much better to pay for those services ...
by barnaclebob
Tue Aug 11, 2015 12:45 pm
Forum: Personal Consumer Issues
Topic: Car Steering shakes when I put on Brake
Replies: 41
Views: 2617

Re: Car Steering shakes when I put on Brake

Not sure what this means. Something is wrong with this? Surely a boglehead would recognize the difference in length of training, cost of training, and risk. Back on topic, my comment was not a comparison of jobs, but to point out how medical advice for some reason is a no-no on the forum, while thi...
by barnaclebob
Tue Aug 11, 2015 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Six Sigma
Replies: 17
Views: 2034

Re: Six Sigma

Irrelevant grumble. I lost all respect for Six Sigma when I discovered that "Six Sigma" is really only 4.5σ. Someone just decided to add 1.5 to everything for no good reason other than to make it look or, more likely, sound better. I didnt know that, I always thought sigma referred to sta...
by barnaclebob
Tue Aug 11, 2015 10:40 am
Forum: Personal Consumer Issues
Topic: Good Solo Vacation
Replies: 15
Views: 1959

Re: Good Solo Vacation

Thailand?
by barnaclebob
Tue Aug 11, 2015 9:04 am
Forum: Personal Consumer Issues
Topic: Interesting comment from a gold/silver dealer today
Replies: 27
Views: 2321

Re: Interesting comment from a gold/silver dealer today

What % of the silver market is consumers buying coins? It could just be that there are plenty of gloom and doom fools willing to buy the coins but the ETF markets and banks are just such larger volume players that it doesn't matter.
by barnaclebob
Tue Aug 11, 2015 8:32 am
Forum: Personal Consumer Issues
Topic: Car Steering shakes when I put on Brake
Replies: 41
Views: 2617

Re: Car Steering shakes when I put on Brake

I had the same issue with my car. I measured both front rotors with a micrometer accurate to .0001. One side had thickness variations of about .0006 (right at the limitation in the manual) and the other was about .0012, twice the manufacturers recommended limit. Took the worse rotor to O'Reilly's an...
by barnaclebob
Mon Aug 10, 2015 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Buy a house that is registered under a sex offender[?]
Replies: 36
Views: 4181

Re: Buying a house that is registered under a sex offender

tomtoms wrote:
You can't erase the Internet.



This is an irrational fear based in ignorance.
by barnaclebob
Fri Jul 31, 2015 11:27 am
Forum: Personal Consumer Issues
Topic: [looking] for car suggestions
Replies: 60
Views: 4020

Re: look for car suggestions

I'm still waiting for a car thread on any topic whatsoever where the Subaru fanboys don't show up. I'm imagining I could start a thread saying I'm shopping only vehicles that cost at least $500K with gold inlay trim and there they'd be trying to pitch that I should get a Subi instead because "...
by barnaclebob
Fri Jul 31, 2015 9:03 am
Forum: Personal Consumer Issues
Topic: Amazon reviews
Replies: 22
Views: 2352

Re: Amazon reviews

One problem is people use product reviews to rate seller policies. I think you can flag reviews like that as inappropriate. I would do anything in my power to make a seller regret hassling me over a review. I'd they offered an incentive to change a review and they did not correct the original issue ...
by barnaclebob
Thu Jul 30, 2015 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Sell American Funds?
Replies: 6
Views: 501

Re: Sell American Funds?

Yep, dump American funds. Then you don't need to consistently worry if you should sell this year or the next when it underperform by about 1%
by barnaclebob
Thu Jul 30, 2015 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Big mistake
Replies: 13
Views: 2482

Re: Big mistake

I hold bonds in taxable and don't lose sleep over it. A lot of that attitude came from when bonds were paying high rates. That could happen again in the future and if you have a lot of gains on your bonds (might not be possible in a raising rate environment) then you'd be stuck with them or forced t...
by barnaclebob
Thu Jul 30, 2015 10:26 am
Forum: Personal Consumer Issues
Topic: [looking] for car suggestions
Replies: 60
Views: 4020

Re: look for car suggestions

snackdog wrote:If I wanted to squander money on an embarrassing clown car "just in case it snows", I would get a Daimler-Chrysler product.

700 hp Grand Cherokee ($65K) or ML63 if we were feeling truly vulgur ($98K)



I can't hear you from the top of that horse...
by barnaclebob
Thu Jul 30, 2015 10:12 am
Forum: Personal Consumer Issues
Topic: [looking] for car suggestions
Replies: 60
Views: 4020

Re: look for car suggestions

For those not from the area, 1500 ft on the west side of the mountains probably gets hit with snow or icy conditions a couple times a year with some big dumps possible. It's for certain not the rocky mountains. The snow that does fall will likely be wet, heavy, and compacted to ice shortly since sal...
by barnaclebob
Thu Jul 30, 2015 8:47 am
Forum: Personal Consumer Issues
Topic: [looking] for car suggestions
Replies: 60
Views: 4020

Re: look for car suggestions

In your price range I'd be looking at the Lexus LX, GX, a Range Rover, or Land Rover. The Lexi have real rear locking differentials which is useful in the snow. I assume range/land rovers do as well but haven't checked. I'm a huge fan of the 4runner and it has a large online forum presence which is ...
by barnaclebob
Thu Jul 30, 2015 7:25 am
Forum: Personal Consumer Issues
Topic: Cowpea weevils took over my pantry
Replies: 9
Views: 1124

Re: Cowpea weevils took over my pantry

Try spraying a permethrin based product. It's good for killing most insects including weevils I believe. It's pretty safe as far as I know and is used in lice and flea treatments. It is poisonous to cats though.
by barnaclebob
Wed Jul 29, 2015 3:37 pm
Forum: Personal Consumer Issues
Topic: Claiming diminished value on car accident
Replies: 19
Views: 2170

Re: Claiming diminished value on car accident

Don't pay for a report until after you file the claim with Amica. Who knows they may have changed since diminished value claims are becoming more ubiquitous.
by barnaclebob
Wed Jul 29, 2015 10:53 am
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 6990

Re: wife got in wreck with Honda CRV - no collison coverage

Unfortunately in today's traffic that doesn't work, because as soon as you leave the space someone else will pull into it. Why doesn't that work? Leave a three-second buffer. Someone cuts in. Slow down and reestablish the buffer. Rinse and repeat to maintain a safe following distance. You won't be ...
by barnaclebob
Wed Jul 29, 2015 9:49 am
Forum: Investing - Theory, News & General
Topic: Audit over backdoor Roth
Replies: 9
Views: 1495

Re: Audit over backdoor Roth

Even if you are audited, so what. I presume most of us pay our taxes correctly. The backdoor Roth maneuver is legal, I believe I have seen documents from the IRS stating so.
by barnaclebob
Wed Jul 29, 2015 7:26 am
Forum: Personal Consumer Issues
Topic: Mandatory vehicle collision avoidance systems are coming
Replies: 43
Views: 3037

Re: Mandatory vehicle collision avoidance systems are coming

It's a good thing the ntsb has no real power to require it's recommendations in this case. The technology isn't ready IMO. Also I wonder how much has been done to study the feedback between cars if they all have these systems. In heavy traffic one person braking could set of a huge chain reaction if...
by barnaclebob
Tue Jul 28, 2015 3:21 pm
Forum: Personal Consumer Issues
Topic: Gardening 2015 pt 2
Replies: 48
Views: 5627

Re: Gardening 2015 pt 2

In the Pacific Northwest... We harvested over 9lbs of garlic (post cure weight) this year from 120 heads. The average head size was smaller because we probably planted them too close but still good size. Always assume about 20% to save for see garlic. Onions did ok for our first try from seed. They ...
by barnaclebob
Tue Jul 28, 2015 9:39 am
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 6990

Re: wife got in wreck with Honda CRV - no collison coverage

Personally I wouldn't think a defensive driving class would do much for anyone but the very worst drivers. I'd guess they are offered by companies that bank on the fact that courts make people take these courses. I think an honest discussion about the accidents is needed. Could be something as simpl...
by barnaclebob
Tue Jul 28, 2015 9:14 am
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 6990

Re: wife got in wreck with Honda CRV - no collison coverage

I have two small children as well so if I were to place myself in your wife's shoes. (Because my wife has the better driving record.) 5. I do not like other's commenting on my driving so my spouse better tread carefully when recommending a defensive driving class. This is a terrible attitude and if...
by barnaclebob
Tue Jul 28, 2015 9:12 am
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 6990

Re: wife got in wreck with Honda CRV - no collison coverage

Do you have the name of the construction company? Was the driver cited for having an unsecured load? If so, I would sue them for the loss of your vehicle. The wife rear-ended someone. It probably doesn't matter why they stopped, she was following too closely. My understanding is that if you rear en...

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