Search found 1406 matches

by barnaclebob
Fri Aug 19, 2016 12:26 pm
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 105
Views: 7249

Re: The True Cost of Owning a Dog

My chickens don't cost much aside from the amortized cost of the coop. Maybe $25 a month in expensive feed which is partially recouped by the eggs they produce.

If they get sick before they are culled at about 4 years old they get to meet my cleaver early so no medical costs.
by barnaclebob
Tue Aug 16, 2016 1:26 pm
Forum: Investing - Theory, News & General
Topic: Someone wants to pay me to manage their finances
Replies: 46
Views: 4125

Re: Someone wants to pay me to manage their finances

Regardless of any certifications or tax hoops to jump through, the potential headaches this could cause are surely not worth what they would be willing to pay an acquaintence or friend.
by barnaclebob
Fri Aug 12, 2016 6:25 pm
Forum: Personal Consumer Issues
Topic: Vacuum Cleaners?
Replies: 25
Views: 1248

Re: Vacuum Cleaners?

Dyson feel super cheap to me. Try flexing one, feels like a kids toy. No problems with our 7 year old oreck.
by barnaclebob
Thu Aug 11, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: Try to Fix Old LED TV or Buy New
Replies: 57
Views: 2696

Re: Try to Fix Old LED TV or Buy New

Try to fix it yourself. If you are successful you will be more likely to attempt it on a more exepensive item in the future.
by barnaclebob
Wed Aug 10, 2016 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Going short to negate going long [socially responsible investing]
Replies: 59
Views: 2952

Re: Going short to negate going long

It seems like you aren't morally opposed to investing in such industries, just reaping the gains from them. Donate some extra money to those causes. Don't become too moral to function. I'm sure you don't live a 100% extractive industry free life and are fine with that. Lump investing into those area...
by barnaclebob
Sat Aug 06, 2016 11:09 pm
Forum: Investing - Theory, News & General
Topic: Taking profit off table
Replies: 6
Views: 837

Re: Taking profit off table

Nothing wrong with changing your asset allocation to be more conservative if you are already set imo as long as you don't do it too often.
by barnaclebob
Sat Aug 06, 2016 8:46 pm
Forum: Personal Consumer Issues
Topic: Peeling small carrots
Replies: 12
Views: 1291

Re: Peeling small carrots

I haven't peeled a carrot in years. Just wash them off and cut how you would with them peeled.
by barnaclebob
Fri Aug 05, 2016 10:06 am
Forum: Personal Consumer Issues
Topic: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars
Replies: 75
Views: 5115

Re: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars

Wow, you guys weren't kidding about the pilot looking like a minivan:

http://news.brannonhonda.com/wp-content/uploads/sites/8/2016/04/Honda-Pilot-vs-Honda-Odyssey.jpg

I can't tell which is which...
by barnaclebob
Fri Aug 05, 2016 9:51 am
Forum: Personal Consumer Issues
Topic: Bogus "sale" prices and savvy shoppers
Replies: 26
Views: 2573

Re: Bogus "sale" prices and savvy shoppers

Yep. Unfortunately most consumers want to always feel like they are getting a deal. Nobody wants to be the idiot that paid full price for something an companies know this so they run perpetual varying sales. JC Penny tried pricing their merchandise at low levels with occasional real sales and it was...
by barnaclebob
Thu Aug 04, 2016 11:11 am
Forum: Personal Consumer Issues
Topic: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars
Replies: 75
Views: 5115

Re: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars

The 4 runner is definitely the coolest and most capable of what you are looking at but I suspect that AWD will be just fine in the snow vs the 4 runners 4WD. If you get stuck and have the Trail version then maybe some of the crawl control and advanced 4WD features might help but that should be fairl...
by barnaclebob
Thu Aug 04, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Has Anyone Filed a Formal Complaint Against a Real Estate Licensee
Replies: 30
Views: 2187

Re: Has Anyone Filed a Formal Complaint Against a Real Estate Licensee

Oh we were very upfront about everything and the CA disclosures very thorough. There must be something like 10 pages of disclosures nowadays. But as I told my agent and the buyer, we've fixed everything we knew of but we have never lived in the house. And sometimes tenants don't tell you when thing...
by barnaclebob
Thu Aug 04, 2016 10:23 am
Forum: Investing - Help with Personal Investments
Topic: No faith in stocks/bonds - Where to park cash?
Replies: 38
Views: 3733

Re: No faith in stocks/bonds - Where to park cash?

Do you need this cash in the next year to buy a house?

If you don't trust stocks and bonds then a CD or money market would be your only option besides cash under bed.

What about short term bonds? A little bit of risk for a little bit more return.
by barnaclebob
Thu Aug 04, 2016 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Has Anyone Filed a Formal Complaint Against a Real Estate Licensee
Replies: 30
Views: 2187

Re: Has Anyone Filed a Formal Complaint Against a Real Estate Licensee

If he wanted to get you for a failure to disclose claim he would have to prove that you knew about it but failed to disclose it. You cannot be held responsible for problems that you didn't know about. This is actually very difficult if you have been honest on the disclosure. If it were me I would le...
by barnaclebob
Wed Aug 03, 2016 11:58 am
Forum: Personal Consumer Issues
Topic: The Fresh Diet closing down, owes us thousands of dollars
Replies: 32
Views: 4775

Re: The Fresh Diet closing down, owes us thousands of dollars

I'd say you are going to get nothing. It's too bad they went out of business as it sounds like a great concept. Why would you say that? He paid with credit card and services were not rendered. REFUND. It may depend if the credit card company can get the money back from the vendor or not or if there...
by barnaclebob
Wed Aug 03, 2016 11:12 am
Forum: Personal Consumer Issues
Topic: The Fresh Diet closing down, owes us thousands of dollars
Replies: 32
Views: 4775

Re: The Fresh Diet closing down, owes us thousands of dollars

Dang, $3500 for a few months of food deliveries. I hope it was filet mignon, fresh seafood, truffles, and caviar every night.
by barnaclebob
Tue Aug 02, 2016 1:30 pm
Forum: Investing - Theory, News & General
Topic: How long to turn 1 million to 2 millions for you?
Replies: 44
Views: 7967

Re: How long to turn 1 million to 2 millions for you?

Wive and I have gone from 1MM to 1.2MM in 15 months counting from the first time we hit 1MM, only 11 months from the second time. It will probably take another 3 years to get to 2MM
by barnaclebob
Tue Aug 02, 2016 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Convince me not to go to grad school
Replies: 45
Views: 3423

Re: Convince me not to go to grad school

When I took econ 101 in college I learned that an inferior good is something for which demand rises when the economy gets worse (ramen, store brand food, cheaper clothes, etc). Grad school falls into that category.
by barnaclebob
Tue Aug 02, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: Toyota care plus prepaid maintenance
Replies: 50
Views: 9591

Re: Toyota care plus prepaid maintenance

Interesting. When I went to Just Tires for some new tires, the service tech actually suggested that I continue to get my oil changed at Honda and that the car would last longer. He said that's what he does with his car. And he works at a place that does oil changes. The auto repair industry is full...
by barnaclebob
Mon Aug 01, 2016 6:22 pm
Forum: Personal Consumer Issues
Topic: Should I flip my neighbor's house to save the neighborhood?
Replies: 72
Views: 6604

Re: Should I flip my neighbor's house to save the neighborhood?

I say to go for it, especially since you have had good experience with the contractor you would be using. Since I assume you won't do a shady flip job, it might be a good idea to take a lot of pictures along the way and leave an album out showing potential buyers what you did. I personally am turned...
by barnaclebob
Mon Aug 01, 2016 5:52 pm
Forum: Personal Consumer Issues
Topic: Toyota care plus prepaid maintenance
Replies: 50
Views: 9591

Re: Toyota care plus prepaid maintenance

I do not think those plans are worth the price. There is also one other problem with dealer service departments. They take the car into the back, where you cannot see it, and do the service there. So, you are trusting them to actually do the service they say they have done. How do you know if the f...
by barnaclebob
Mon Aug 01, 2016 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports, how could you? [Investment Company Buying Guide]
Replies: 74
Views: 6415

Re: Consumer Reports, how could you?

The problem is internet reviews can't be believed. Full of fraudulent reviews by fake consumers. At least CR is objective, if often wrong. The biggest problem is they come up with a rating but don't reveal the algorithm so you could adjust it to fit your tastes. Its pretty easy to determine which g...
by barnaclebob
Mon Aug 01, 2016 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another pension question...
Replies: 12
Views: 1046

Re: Yet another pension question...

The amount you recieve may be based on when you start collecting and not necessarily when you retire too.
by barnaclebob
Mon Aug 01, 2016 3:55 pm
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 82
Views: 8554

Re: Costco rotisserie chicken

This thread inspired me. Went out and bought young chicken from Whole Paycheck ( Costco too far a drive unless also buying wine, Whole Paycheck does sell quality chicken at a price) and it is now rotating on rotisserie for home made rotisserie chicken. Thanks for the idea. If you really want your s...
by barnaclebob
Mon Aug 01, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 82
Views: 8554

Re: Costco rotisserie chicken

The FDA admitted 70% of chicken contains arsenic from the feed. Be careful with stats like this as they are likely from someone pushing an agenda. One form of arsenic naturally occurring and present in a lot of what we eat. What matters is the % of chicken that have unsafe levels of arsenic and if ...
by barnaclebob
Mon Aug 01, 2016 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports, how could you? [Investment Company Buying Guide]
Replies: 74
Views: 6415

Re: Consumer Reports, how could you?

The problem is internet reviews can't be believed. Full of fraudulent reviews by fake consumers. At least CR is objective, if often wrong. The biggest problem is they come up with a rating but don't reveal the algorithm so you could adjust it to fit your tastes. Its pretty easy to determine which g...
by barnaclebob
Fri Jul 29, 2016 11:40 pm
Forum: Personal Consumer Issues
Topic: Timeshares, again
Replies: 57
Views: 4563

Re: Timeshares, again

Timeshares are prepaid and forced vacations.

The only people on here that have been satisfied with them are those that have been happy going to the same place every year forever. Or some that are happy on the Disney money extraction machine.
by barnaclebob
Fri Jul 29, 2016 2:35 pm
Forum: Investing - Theory, News & General
Topic: Covered call scam
Replies: 10
Views: 1700

Re: Covered call scam

You have to think: Why is this FA spending his time on my small 1500 bet? Do you really think its worth his time to really do some deep research?
by barnaclebob
Fri Jul 29, 2016 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Subaru VIP program question
Replies: 16
Views: 3007

Re: Subaru VIP program question

Invoice price has no real meaning. Its like an MSRP from the factory to the dealer.
by barnaclebob
Fri Jul 29, 2016 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Putting Money down on a house.
Replies: 9
Views: 1362

Re: Putting Money down on a house.

We are buying a 450k house at 3.625% with 20% down. I want to put another 100k down because I reason that by doing that I am guaranteed a certain $ amount of savings on Interest. Is there something wrong/flawed with wanting to put that extra 100k down? Thanks! Not at all IMO as long as you arent de...
by barnaclebob
Fri Jul 29, 2016 9:37 am
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 82
Views: 8554

Re: Costco rotisserie chicken

Personally I think its insane to buy chickens raised in conditions where a $5 chicken can be profitable (yes I know it might be a loss leader). I'm guessing you are right and these are probably tortured chickens. I also read that chickens are killed for this at 3 months old. They don't even get a l...
by barnaclebob
Fri Jul 29, 2016 9:11 am
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 82
Views: 8554

Re: Costco rotisserie chicken

Personally I think its insane to buy chickens raised in conditions where a $5 chicken can be profitable (yes I know it might be a loss leader).
by barnaclebob
Fri Jul 29, 2016 9:08 am
Forum: Personal Consumer Issues
Topic: Vacation loans
Replies: 37
Views: 3268

Re: Vacation loans

I'd be tempted to leave a credit union advertising such a terrible product. The sales pitch is probably something to the effect of "why pay 18% on your credit card when you can pay us only 10%..."
by barnaclebob
Thu Jul 28, 2016 1:27 pm
Forum: Personal Consumer Issues
Topic: Diminished Value Appraisal Recommendation
Replies: 8
Views: 601

Re: Diminished Value Appraisal Recommendation

Are you sure you need an appraisal? Are the repairs well done and can you tell by looking that it was in an accident? Any frame damage? What $ amount would you be happy with? 10% or 15% of the value of the car? Have they made you an offer for the diminished value yet? I would see if the company will...
by barnaclebob
Thu Jul 28, 2016 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: asking for a higher hourly rate after interview
Replies: 30
Views: 2134

Re: asking for a higher hourly rate after interview

Sounds like you are financially independent and are just looking for some extra money. If that's the case then absolutely ask for more.
by barnaclebob
Thu Jul 28, 2016 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Disappointed with new 401k plan
Replies: 20
Views: 1261

Re: Disappointed with new 401k plan

IF the .6% really is the cost to admister the plan (about $6k per year based on 1MM balance) then the index funds themselves are not terribly expensive. .3% is 3x higher than vanguard but not quite outright robbery.
by barnaclebob
Thu Jul 28, 2016 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Think larva stage when I say "newbie" [buy an annuity?]
Replies: 25
Views: 1322

Re: Think larva stage when I say "newbie" [buy an annuity?]

Don't buy an annuity. They only really make sense for retirees with limited means that need to buy a guaranteed stream of income. There might be a few other cases where they make sense but they are more of a cover you a$$ type of product than a wealth building product.
by barnaclebob
Thu Jul 28, 2016 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Leaving "on or before work anniversary" and golden handcuffs
Replies: 30
Views: 4777

Re: Leaving "on or before work anniversary" and golden handcuffs

I'd give notice the following Monday if you trust your employer to give you the handcuffs or if they automatically vest or something like that. Make sure you have copies of all agreements. If you don't trust your employer or they have issues with this kind of thing in the past then I would wait unti...
by barnaclebob
Wed Jul 27, 2016 12:40 pm
Forum: Investing - Theory, News & General
Topic: Interesting Interaction with Edward Jones
Replies: 43
Views: 3364

Re: Interesting Interaction with Edward Jones

That's funny because the same thing happened to me at home last week. An EJ salesman knocked on the door to introduce himself as the local EJ guy. I told him I was happy where I was at but he became aggressive. Then since he was being rude I told him I had been with EJ previously and it didn't turn...
by barnaclebob
Tue Jul 26, 2016 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 16270

Re: How many folks choose to give inheritance to their children in unequal portions?

I could see giving (and receiving) unequal portions if one child chose a noble but lesser paying job such as being a teacher, social worker, etc but was still good with money and the other child chose a higher paying career such as engineer, doctor, or lawyer. My brother and I are in this situation ...
by barnaclebob
Mon Jul 25, 2016 10:09 pm
Forum: Personal Consumer Issues
Topic: Affordable Bachelor party transportation?
Replies: 26
Views: 1523

Re: Affordable Bachelor party transportation?

Wrangling that many people onto ubers would be a nightmare. The price for the bus sounds right to me.
by barnaclebob
Fri Jul 22, 2016 3:57 pm
Forum: Personal Consumer Issues
Topic: Moving to Seattle from DC
Replies: 24
Views: 1532

Re: Moving to Seattle from DC

To be honest there arent that many bad places around Seattle as long as you aren't right on 99/aurora. Ballard would work well for you I bet, especially towards the north away from where they are building all of the condos (near the bar/restaurant area)
by barnaclebob
Fri Jul 22, 2016 10:45 am
Forum: Personal Consumer Issues
Topic: Expensive car maintenance or allocate to next car fund?
Replies: 37
Views: 2260

Re: Expensive car maintenance or allocate to next car fund?

Do a search for Hondas within 250 miles of your zip code for under 10k. Sort by highest mileage first. Then do the same for Hyundai and compare the numbers. There are a little over 2.5 times as many honda's are for sale withing 250 miles of me (555 vs 210, ~2.5:1) , but number of high mileage ( ove...
by barnaclebob
Fri Jul 22, 2016 9:33 am
Forum: Investing - Theory, News & General
Topic: Recession post-election?
Replies: 40
Views: 2847

Re: Recession post-election?

Based on the media, the next recession has been coming any day now since 2009. Fiscal cliff, sequestration, Greece, Portugal, Spain, I think Iceland was in there at some point, brexit, hurricanes, sunspots etc.
by barnaclebob
Fri Jul 22, 2016 9:10 am
Forum: Personal Consumer Issues
Topic: Expensive car maintenance or allocate to next car fund?
Replies: 37
Views: 2260

Re: Expensive car maintenance or allocate to next car fund?

Oh it's a hyundai, sell it and get a new car. How do you know you need brakes btw? Did they tell you just new pads or pads and rotors. Nissans have been having cvt issues, I would avoid those until they sort it out. As someone considering buying a used Hyundai, may I ask why you say this? Thanks. D...
by barnaclebob
Fri Jul 22, 2016 8:51 am
Forum: Personal Consumer Issues
Topic: Moving to Seattle from DC
Replies: 24
Views: 1532

Re: Moving to Seattle from DC

For the traffic, do not go further north than greenlake (or maybe greenwood) if your job is downtown. Traffic downtown is absolutely terrible. Maybe light rail will help in about a decade or more...
by barnaclebob
Fri Jul 22, 2016 12:00 am
Forum: Personal Consumer Issues
Topic: Expensive car maintenance or allocate to next car fund?
Replies: 37
Views: 2260

Re: Expensive car maintenance or allocate to next car fund?

Oh it's a hyundai, sell it and get a new car. How do you know you need brakes btw? Did they tell you just new pads or pads and rotors.

Nissans have been having cvt issues, I would avoid those until they sort it out.
by barnaclebob
Thu Jul 21, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: Seattle trip at end of May - Any tips?
Replies: 33
Views: 3077

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

Resurrecting an old thread. Is the Boeing factory tour and flight of the future separate? If I need to pick one, which is more preferable? Thanks. The Boeing tour is an add on to the future of flight museum ticket I believe so they are kind of the same thing. The Museum of flight down at Boeing fie...
by barnaclebob
Thu Jul 21, 2016 4:33 pm
Forum: Personal Consumer Issues
Topic: Expensive car maintenance or allocate to next car fund?
Replies: 37
Views: 2260

Re: Expensive car maintenance or allocate to next car fund?

My first recommendation is to spend $600 on some tools (Jack, jack stands, oil catch pan, impact wrench, sockets etc) and then spend another $200 to $300 on parts and DIY except probably the AC. Fluids and brakes are pretty easy, timing belt more difficult. Second recommendation is that If you want ...
by barnaclebob
Wed Jul 20, 2016 5:15 pm
Forum: Personal Consumer Issues
Topic: Should I spend 5k annually on travel?
Replies: 59
Views: 4547

Re: Should I spend 5k annually on travel?

You wont miss the $5k per year.
by barnaclebob
Wed Jul 20, 2016 1:02 pm
Forum: Investing - Theory, News & General
Topic: Why does a massive company like Coca Cola or Johnson Johnson need money from investors?
Replies: 25
Views: 2618

Re: Why does a massive company like Coca Cola or Johnson Johnson need money from investors?

Yes a company can go private if the offer is accepted by a majority of the shareholders (or whatever the governing rules dictate) I has happened many times, usually to companies in trouble.

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